davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc. (AL)

Company has called everyday for the past week ( XX/XX/2020 - XX/XX/2020 ). They have called 4 times today XX/XX/2020. They also call in another name - Americredit. I do not have an account with them. My account is with GM Financial. I tried to submit a complaint online but it stated that I had to call. When I attempted to call they stated that they have a very high call volume and to call their remote customer service agents. They call my cell phone and my job. I want them to stop calling me at all times.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (AL)

I was scammed by a company and had to cancel my card and get a new one. That was on XX/XX/20. The way to go company said they mailed it to me on 2 different occasions by regular mail. My address has changed and I told them that plus their customer service people changed it supposedly but it has not changed on their end. I was charged XXXX for 2 replacement cards. I never received either card so I called back and they were to send it express which would mean I would get yesterday. They charged me XXXX to express it. Still no card. My big problem is that I cant talk to anyone about it because I dont have an activated card. The menu options just hang up once it give me the details of when it was mailed to me. There is no way for me to talk to anyone. I am beyond livid. Consumers should be able to talk to someone when it concerns their money regardless. Under no circumstance should a calller be automatically disconnected without the options to speak to someone. If u never get the card then Im XXXX. I paid for all the replacements and no card and no way to discuss it with anyone.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

Thank you for your help. I have a hard inquiry on my credit report from Syncb on XXXX XXXX 2019 listed as : XXXX XXXX - XXXX. I do not have any knowledge of authorizing this inquiry and when I called Sycnb they couldnt give me any information to this inquiry. I didnt authorize this inquiry and Id like it removed from my credit however Syncb is not helping with this matter. Can you please assist me in this process? 

Thank you!
Consumer complaint received 2020-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CT)

I have tried on several occasions to move funds from my XXXX vault and XXXX vault to my wallet in order to sell the crypto-curriencies and remove my funds from XXXX. The most recent attempt was on Wednesday, XX/XX/XXXX. I have tried from several different devices over the past forty-five ( 45 ) days in hopes that it would successfully transfer, to no avail. I have contacted customer support twice XXXX XX/XX/XXXX and XX/XX/XXXX ). They were unable to provide the help I needed, and stopped communication with me.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

PHH Mortgage acquired our mortgage several months ago. In early XXXX, we received an email to prove that we had homeowners insurance. This was done via fax on XX/XX/20. Additionally, we submitted the information through their portal. We also called PHH and our insurer. At the same time, we received notice that our homeowners insurance from XXXX XXXX was going to expire on XX/XX/20. It was due XX/XX/20 but it had not been paid by PHH. 
After multiple phone calls, a fax and online sumbission - PHH issued payment on XX/XX/20. On XX/XX/20, I contacted our homeowners insurance agent and was told that the payment was still not received. In order to prevent cancellation of the policy, I paid {$2200.00} to XXXX XXXX. As of XX/XX/20 - XXXXXXXX XXXX still has NOT received the payment from PHH mortgage. Obviously, PHH collects money monthly for our insurance. How can they be allowed to not pay the insurance in a timely fashion? And it cost us and extra {$2200.00}. Thank goodness we were able to do so - what about people who would be unable to double pay thousands of dollars?
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I recently went online to the Equifax website and as I was logging in I got till the end of login page it gave me a number to call I called the number, it ask to enter in all the correct information as I entered in all the correct information it told me that it would send a code to my phone the code never came, so it sent me to a questionnaire that had nothing to do with my report information/all information was wrong and incorrect so then it sent me to an agent as I spoke with the agent the agent told me that he couldn't do anything until I send in my 3 pieces of identification. When at the end of the day it clearly verified me over the phone and said it was going to send a text message to the phone on file which is my primary phone number my initial reasons for even going online was too dispute some items, I'm pretty skeptical about Equifax and sending them my information because it was stolen/ breached from this company in the past
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

My bankruptcy was dismissed by choice and judge. I didnt qualify. The case was dismissed in XX/XX/XXXX days after incomplete file. 


I didnt need to pursue this case why you sought dismissal. And addition the Judge the case was thrown out. 

I soon recovered and paid all necessary items to current. 

I m Request to have the credit bureaus to remove the bankruptcy from my credit report. 
It was dismissal meaning that the bankruptcy never occurred. 

This is effecting my life and credit. I requested to have item deleted and was unsuccessful.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

My, Business-credit, report, with ; equifaxXXXX XXXX , ga ; has 3-fraudulent, credit cards, open & in-gd standing, on my report. They ARE NOT mine! I have done, 1 round of disputes, with them. Im working on a 2nd. Also ; they will not, tell-or-disclose 2me, the customer & business-owner ; the names & addreses, of the creditor, merchant, the company issuing the cards ; billing addresses, etc. I can not even, defend, myself ; against, 3, card accounts ; that are listed there. I dont know who they are ; who the banks, or, companies are. I have ; {$5000.00}, in debt, against my XXXX, in, MI ; ( XXXX ). Its not, mine.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer containing any of the following items of information Any adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 XXXX # XXXX, XXXX XXXX # XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer containing any of the following items of information Any adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( A ) ( 1 ) A Person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2020-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (WI)

Contacted them due to the fact my student loans are for XXXX XXXX   They informed me that because the school closed after I dropped out, that I would not qualify for loan forgiveness. 

I had mentioned to them 3+ times that the school was shut down for fraud which concludes my student loans are fraudulent. They sent off my account to a different department and I've never heard back and keep getting run around. 

They are not holding up on the holder law with my fraudulent loans
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TX)

Discover Financial Services is in violation of 15U.S.C 1681b ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX  Consumer Report on ( XX/XX/2022 ) without my authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, Two charges dated XX/XX/XXXX and XXXX, 2020 to XXXX for {$40.00} and {$100.00} are fraudulent and should be removed from the account. These charges were never authorized by me nor by the primary account holder. These charges were removed two months prior by chase following my complaint to chase, and then again appeared on the credit card current statement. The phone number listed next to the so called merchant does not even work [ XXXX ]. It took me over a dozen calls to Chase, each time after i : repeated the same complaint over and over again and again. Eventually about a month ago, someone by the name of XXXX from the executive office of Chase, tell number XXXX XXXX XXXX X XXXX called me and said 1 : ) that they will remove both {$100.00} and {$40.00} charges from the account, 2 ) will remove the interest charges, 3 ) and will give me {$100.00} courteousy credit due to this inconvenience Chase caused me. About 10 days ago, i : checked the account and only found out that {$100.00} was credited back to the account labeled as so called courteousy credit when it was my own money. Please note that i : had previously send to chase fraud department prove of the merchant 's acceptance of returning my monies, see attached. When i : found that, i : called XXXX and left her a message to call me back, XXXX at or about XXXX XXXX  XXXX on XX/XX/2020 called me and told me that she never agreed to give me {$100.00} courteousy credit plus return of two charged of {$100.00} and {$40.00} as well as the interest charges. i : objected and i : said if this thing gets to a court or to CFPB, the phone conversation that Chase advised me that was being recorded, will be subject to subpoena. i : don't know what happened nor is it important as to what happened that Chase changed its mind, perhaps and most likely, they feed off the misery and frustration that they cause the people of this Republic. i : expect CFPB to get all my monies back from Chase plus compensation for my time and frustration with this so called Bank. 
Thanks, XXXX XXXX Tel : XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Unauthorized and Fraudulent Credit Inquiries Dear XXXX XXXX, I hope this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to address a concerning matter regarding my recent credit report provided by TransUnion XXXX. 

Upon reviewing my credit report, I discovered several unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX - Date of Inquiry : XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XXXX XXXX XXXX  - Date of Inquiry : XXXX XXXX XXXX - Date of Inquiry : XXXX I want to emphasize that I did not provide authorization to anyone employed by these companies to access or view my credit report. Moreover, I did not grant TransUnion XXXX permission to include this information on my credit report. Such actions not only violate the Credit Reporting Act Section 1681b ( c ), but they also represent fraudulent activity and a serious breach of my privacy rights. 

I request your immediate attention to this matter. I urge TransUnion XXXX to take swift action to rectify this situation by removing the unauthorized and fraudulent credit inquiries from my credit report promptly. Additionally, I expect a written confirmation of the removal and an explanation of the actions taken to prevent similar occurrences in the future. 

Please consider this as an urgent matter, and I trust that you will handle it with utmost diligence. Your cooperation and prompt resolution will be greatly appreciated. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate and the date last reported is not accurate, this is ground for removal. they also violated my rights under 15USC1681 section 602A. states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. also the credit bureas took more than 30 days to complete my investigation which is clearly against the laws and against my rights.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

XXXX XXXX Repeated calls daily ( sometimes up to 3 times a day ) since XX/XX/XXXX. They consistently are calling from a different phone number. 

I have attempted to block their phone number to make the calls stop ; Ive blocked at least XXXX phone numbers but they use a new one every time they call.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Simon's Agency, Inc. (NJ)

3 accounts from my Doctors office were sent to this company for collection, I spoke to a very pleasant representative that agreed with me to delete the account on collections for a full payment, she used of verbiage tactics to agree with me and the account was never deleted. When I called for a follow up I spoke to a manager named XXXX who kept repeatedly using confrontational language and trying to talk me out of what I had originally agreed with the Representative to whom I had made payment to. He multiple times suggested that he wouldn't listen to the recording of the call because he already " knew his employees would never do that '', despite me kindly asking him for a review. 

The way he spoke to me was more stand offish than the debt on my credit file itself. 
I felt lied to and manipulated by this company using abusive tactics.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TX)

I signed up for the XXXX XXXX XXXX XXXX on XXXX/XXXX/2020. This card is issued by Synchrony Bank. One of my main reasons for signing up for it was due to the advertised benefit of Price Protection. The benefit is listed as current on the XXXX website ( https : XXXX # XXXX  ) and is even stated in the guide of benefits that accompany the card received from Synchrony Bank XXXX However, when I try to call and inquire about the benefit from the benefits administrator, they state that the card is ineligible for Price Protection. Nevertheless, Synchrony Bank customer service affirms that the benefit still exists but could not provide an exact path to how the benefit can be used. No phone number or website that will direct me exactly to this benefit. I have tried every route of contact on the guide of benefits, but the benefits administrator keeps stating this card does not have the Price Protection benefit. Therefore, I am writing to complain about Synchrony Bank customer service that is incompetent about its products. In addition, I would like to bring to attention the misleading advertising that Synchrony Bank uses on its website and its mail prints. This bank is advertising benefits that have no basis and are, in reality, not available to consumers.