davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX  XXXX Date Opened : XX/XX/2003 Balance : {$10000.00}.
Consumer complaint received 2020-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

i have submitted multiple investigation requests to verify and validate this debt with XXXX XXXX as well as all 3 credit bureaus and they say they completed and investigation and it is verified ... .how can they have conducted a full investigation if they are reporting inconsistent across all 3 bureaus? they didnt and that is a major violation of my rights..they are ruining my credit with the reporting of this inaccurate account,,, ,i am attaching a snip of my 3 bureau report ... ..there are too many to point out but look at thhe snip ... look at the 2 year history, this account has been re-aged, they are reporting a credit limit on a charged off account, the high credit is inconsistent, etc .... i need this removed immediately due to the lack of a proper investigation with all 4 parties i disputed to
Consumer complaint received 2020-12-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have submitted multiple investigation requests to verify and validate this debt with XXXX XXXX as well as all 3 credit bureaus and they say they completed and investigation and it is verified ... .how can they have conducted a full investigation if they are reporting inconsistent across all 3 bureaus? they didnt and that is a major violation of my rights..they are ruining my credit with the reporting of this inaccurate account,,, ,i am attaching a snip of my 3 bureau report ... ..there are too many to point out but look at thhe snip ... look at the 2 year history, this account has been re-aged, they are reporting a credit limit on a charged off account, the high credit is inconsistent, etc .... i need this removed immediately due to the lack of a proper investigation with all 4 parties i disputed to
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Hi, On XX/XX/XXXX I had carpet installed by XXXX XXXX in XXXX CA. When I went in on XX/XX/XXXX I was going to pay using my debit card or XXXX  credit card for a total of {$5000.00} on carpet and installation but the sales representative sold me on getting it financed at 0 % through Synchrony Bank XXXX XXXX. He said he could quickly run my credit for approval and I got approved. My receipt of actual purchase is dated XXXX XXXX which is the date they installed the carpet and I signed the purchase which I decided to go ahead and put on the Synchrony card I approved for. 
There was a promotional balance that according to my receipt and contract from Synchrony Bank would expire on " XX/XX/XXXX. '' Having been told I have a 30-day grace period for the full payment to be received before the deferred interest hits, I attempted to mail payment in XXXX after the portal was not working for a couple days. Payment hit on automatic instead of full amount and upon noticing I called Synchrony to explain and they said my promotional balance ended in XXXX and not XXXX. But I have proof in the contract that it says XXXX. They said there is nothing at all they can do even though this mistake made me lose time in sorting out the payment issue. Had I known it was XXXX I would have started to resolve much earlier. Statements were in junk mail and I was going by my contract and had payments set up. The bank insists I should have noticed and therefore there is nothing that can be done. " My time passes. '' It means that although they made a mistake, it was my bad for not catching them on time and they can't do anything at all. This is simply predatory behavior. I called to have my amount owed paid in full and request the {$2300.00} dollars on interest charge on a {$5000.00} purchase waived. I've never been late and have been their customer for over 15 years and they can't be accountable or even show apologies for the error made and lack of accountability. I spent {$5000.00} and {$2300.00} is almost 50 % in interest. This is unethical to say the least.
Consumer complaint received 2022-09-17
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. (NY)

I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
. 1XXXX XXXX ( Bank ). XX/XX/XXXX 2XXXX XXXX ( finance ). XX/XX/XXXX 3.XXXX XXXXXXXX ( finance ). XX/XX/XXXX 4XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-01-09
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: EQUIFAX, INC. (OH)

I previously submitted a complaint regarding identity theft and provided a Police Report and an FTC Report. The fraudulent items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? These accounts do not belong to me. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Consumer complaint received 2022-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

This is my 2nd Compliant, which I have also filed with the Civil Rights Justice, regarding the Home loan modification completed by Bank of America, which was predatory and caused financial injury, as it caused my home to go into foreclosure, as it was ultimately not sustainable, due to the excessive fees, high interest mortgage, which I believe was higher due to my race, as well as the forced insurance which was not needed, as I already had insurance. Bank of America, I felt did not attempt to work with me, but instead sold my mortgage yet to another company. The dates are roughly between XXXX  to XXXX I would like this investigated. Thank you in advance for your assistance.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2022-09-11
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. (GA)

In accordance with the Fair Credit Reporting act Equifax has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-09
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: Experian Information Solutions Inc. (NJ)

I have sent many letters to all 3 bureaus and final they have removed the false information from my consumer report since 2010. This account particular XXXX/XXXX- ( XXXX ) is in violation of 15usc 1692d. They have ruined my reputation for many years.
Consumer complaint received 2020-12-22
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: CITIBANK, N.A. (WA)

I had booked and placed two cruise bookings on XX/XX/XXXX with a deposit of XXXX each on my Costco Citi Card. These bookings were for two cabins on XXXX XXXX for a 7 day sailing from XXXX to Alaska on XX/XX/XXXX. There were two charges on my credit card of {$350.00} because of the two separate cabins. In XX/XX/XXXX I cancelled one of the cabin bookings and received a credit on XX/XX/XXXX for my XXXX deposit. That left only XXXX cruise booking charged on my Costco Citi Card. 

Subsequently the XX/XX/XXXX cruise was then cancelled due to Covid. XXXX XXXX did not provide a full refund after they cancelled the cruise. Therefore, I filed two separate dispute to get a full refund for the cruise which was the XXXX deposit and XXXX cruise balance ( charged on XX/XX/XXXX ). I was successful in getting the {$2400.00} refunded but still have been unable to get the XXXX refunded from Citi. 

I first filed my dispute for the XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter erroneously stating that XXXX had credited my account for XXXX. I told them the credit was for a different booking. After numerous phone calls trying to have the dispute re-opened, they requested I file a new claim. I filed a new claim on XX/XX/XXXX. I subsequently was told on XX/XX/XXXX that too much time had elapsed between when the XXXX charge was made and the opening of the new dispute claim. 

Citibank made an error on my initial XXXX dispute sent on XX/XX/XXXX when they closed a valid claim on XX/XX/XXXX. Now Citibank is claiming I was late in making the claim when they were at fault for closing my valid XX/XX/XXXX claim. 

I have attached all the documents to provide a history of what has occurred.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

I used to have a sears card ( citi bank ) and sears went XXXXWhen sears went out of buisness my sears card was transferred to " Shop Your Way '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to citi bank XXXX citi bank is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.Citi bank ( Shop Your Way/SEARS ) closed my account with out any knowledge or paper work sent.Because of Citibank closing my account, it has caused a negative on my credit report
Consumer complaint received 2021-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Crown Asset Management, LLC, Duluth, GA Branch (IN)

Starting back in XX/XX/XXXX I started disputing XXXX with them themselves and the credit bureaus. XXXX XXXX and XXXX  removed the XXXX account ending in XXXX. I sent a Validation of Debt letter to XXXX and it was never answered. as well as 4 other factual dispute letters to XXXX. Plus 2 other CFPB Complaints about XXXX. XXXX and XXXX. XXXX  All documents are attached to the prior complaints. On XX/XX/XXXX I was served with a law suit from Crown Asset Management , LLC. I have never heard from them before nor have they tried to make contact with me about this alleged debt. Court Summons and supporting documents attached. On the Complaint from the Summons from Crown Asset Management , LLC Paragraph 1 states the account was opened XX/XX/XXXX, This is false. Paragraph 8 says I owe {$1200.00}. This is not what XXXX is reporting. Paragraph 6 says I do not object to any errors. This is false. I have the last 6 months of paper trail through XXXX and XXXX showing I am disputing errors. They would know this if they contacted me. They delivered the summons to my house, but the summons had the wrong address on it. It's an address I have never had, never seen or knew it ever existed. And not listed on my credit report. On the affidavit of the records they say they have purchased the account from XXXX it says date opened is XX/XX/XXXX. Last payment XX/XX/XXXX. The amount owed is {$1200.00}. The charge off date says XX/XX/XXXX. All 4 of these items on the affidavit do not match my credit report with XXXX  who has Certified Verified this account with XXXX through a rigorous investigation of 6 months. The Legal Document Specialist for Crown Asset Management , LLC certified these documents as accurate XX/XX/XXXX. This was during a CFPB Investigation with XXXX  and XXXX. XXXX can not be giving out information about an account that is in dispute. I also called XXXX on XX/XX/XXXX twice and said I am disputing this account. From all the errors on the documents that Crown Asset Management , LLC is using to sue me with I do not believe they really own the debt or if they do own the debt it was sold " as is '' and the validity of the debt is not guaranteed. I believe this is gross attempt to collect a debt that either does not belong to them and or is extremely inaccurate. No real proof the debt is collectable by them. Several pieces of the documents are severely redacted, missing and illegible and contact information to verify the sale is missing. Please help me against this wrongful debt collection. I am not posting my XXXX  'XXXX  Credit report on here because I don't want Crown Asset Management , LLC to fraudulently parrot my information to use against me in Court. I also looked up their XXXX, a rating of 1. I know that this may not be important, but I'm XXXX % XXXX and live on XXXX. I could really use the help from them going after my Social Security XXXX.
Consumer complaint received 2021-01-09
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 set up the paper bill from XXXX 's app, but never receive any paper bill from XXXX  XXXX XXXX. because of no receiving paper statement, I miss one payment in XX/XX/2020. XXXX 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted XXXX, and they told me they have no error, and never investigate their application. by the way, XXXX cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2021-01-09
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: EQUIFAX, INC. (FL)

I have submitted numerous complaints regarding the same accounts. I have provided the evidence that they have to remove the accounts. Equifax in particular has opened the accounts back up which is 100 % ILLEGAL. They had the accounts as closed and charged off. Some accounts have other debit collectors with the same accounts as closed. How can you let them get away with this? 

Equifax has the items on my report but the other bureaus have removed the accounts because they found in the investigation to not have the information to verify the items. How can they remove them but equifax still have them as verified? Now XXXX  has opened closed accounts up and my score has dropped 90 points because of this. How can you open a closed charged off account? How can you have a debit for 3 different company 's on the same account? They have repeatedly posted inaccurate information on my report and at this point I think they should be fined.. I will provide the proof once again in the attachment. 

1. The disputes letters 2. The removal of the accounts from the other bureaus ... 

Please remove the items and send me the confirmation letter. If not a law suit will follow. This is my last attempt to fix this situation. Its been almost 5 months since I notified you on the matter..
Consumer complaint received 2020-12-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Our mortgage application was brokered out to Carrington Mortgage located in XXXX, CA. File was submitted clean, underwriting provide underwritten approval in XXXX. All conditions were submitted numerous of times to underwriting to be signed off. Lender never provided clear to close. Final closing disclosure was signed by us on XX/XX/XXXX. No loan docs at title within the 3 days. Lender requested more conditions that was not necessary. Lender didn't close our file on time after 3 extensions. Close of Escrow was schedule for XX/XX/XXXX. Lender had our file for 3 months. We even went with a different lender because of this. The new lender has provided a new loan approval ina week. We lost our XXXX earnest money because of them. Seller walked away from sale because she didnt want to reinitiate our contract. 

Our realtor and our loan officer have emails documenting everything from the Account Executive from Carrington Morthage. They failed us.