davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4300.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$960.00}.
Consumer complaint received 2022-07-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TN)

So for the past 4 months now I have been actively trying to work with freedom mortgage loss mitigation department in trying to find a way to get back on track with my mortgage and every time I call it's always a different excuse I have been working with my regional veterans affairs mortgage representative that I was assigned and on XX/XX/2022 I resubmitted there packet as instructed and the VA representative got a 30 day extension giving the lender ample time to review the packet and correct the mortgage loan but instead of them doing there jobs they never reviewed the packet which the VA representative has all the correspondence between them where the extension was approved for this purpose but instead of them reviewing the packet and moving forward with fixing the mortgage loan they just ignored the packet and the extension and went through with the foreclosure sale inside of the 30 day extension that was approved and they never sent out the letter stating the date and time of the sale to me so I feel that I am being discriminated against and unlawfully treated on the grounds that I am a XXXX veteran
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-10-20
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. (CA)

THIS IS NOT A DUPLICATE REQUEST. EXPERIAN IS NOTHING MORE THAN A BUNCH OF CRIMINALS AND MORONS. THE COMPLAINT IS THAT YOU DID NOT RESPOND TO ME ABOUT MY COMPLAINT IN 30 DAYS, TO WIT ... ..

YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. I DARE YOU TO RESPOND TO THE ACTUAL COMPLAINT. RESPOND TO THE FACT THAT YOU DID NOT INVESTIGATE IN 30 DAYS. REFRAIN FROM YOUR LENGTHY, FULL OF XXXX  RESPONSES, THAT ARE INTENDED TO CONFUSE.

RESPOND ONLY TO THE FACT THAT YOUR INVESTIGATION WAS NOT CONDUCTED IN THE LEGAL FAIR TRADE CREDIT REPORTING ACT 30 DAYS.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

We had a home mortgage with Suntrust that was paid off on XX/XX/XXXX. I was told that the balance of the escrow account ( approx. {$16000.00} ) would be returned to us in 2 weeks. 
I have made multiple phone calls to the mortgage department where I received different stories on almost every call. 
On XX/XX/XXXX I was told the refund check had been cut on XX/XX/XXXX and mailed from Virginia. 
When the check had not arrived on XX/XX/XXXX I called back and was told the check had been cut on XX/XX/XXXX but not mailed until XX/XX/XXXX. I was explained to me that if I did not receive the check in 30 days I could call back to start the process to received a replacement check. 
I called the mortgage department on XX/XX/XXXX and insisted that I be put through to a supervisor. I was passed on to Mortgage Client Services ManageXXXX XXXX ( XXXX ). He informed me that there was no way to speed up the process of obtaining a refund and that he would not and could not be of any assistance. 
On XX/XX/XXXX I eventually found my way to Escalation Resolution Team and explained my situation opening a case ( case number XXXX ). Despite repeated calls to the resolution team ( XXXX XXXX ) I have not received any information about what has gone wrong with this process and when we might receive our money. 
Are you able to assist us in obtaining the refund of our money in a timely fashion
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

I was making a transaction thinking I was working with my bank which is PNC but it was a scam and the person I was talking to was a scam artist and took {$1600.00} from my account on XX/XX/XXXX. I immediately spoke with my local PNC branch and was assured by management everything would be done to assist me in getting my money bank. Unfortunately, PNC has done nothing to help me and their customer service has been terrible as they never return my calls and never call when they say they will. I was also told by a high level PNC manager at the corporate office who refused to let me speak to his boss and nastily said to me that we can give people money back but he refused to give me back anything. It has been the most frustrating and unprofessional institution and people I have ever had to deal with.
Consumer complaint received 2022-09-16
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. (CA)

My name is XXXX XXXX and I have been a victim of Identity Theft. There is an account that does not belong to me. I have sent a letter to the companies trying to get the information removed. XXXX XXXX XXXX does not belong to me and I would like it to be removed from my report immediately as it is causing my financial hardship.
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

I contacted my mortgage servicer to inquire about the CARES act Covid-19 National Emergency Partial Claim second mortgage as I have read about on ConsumerServices.gov and HUD.gov. My servicer would not even acknowledge the existence of such a program and only wanted to force me into options that would require immediate repayment. The customer service told me he has the final say on this matter when I asked who else I could speak to since he apparently didnt know of this.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (PA)

We were unable to activate the card. The card was purchased so that my teenage son could safely purchase items/services online ( XXXX, digital content, etc. ). It wasn't until my son attempted to register the card that he encountered issues because he is not 18 or older. We have purchased cards before that did not require this age requirement. The packaging on this card did not indicate on the outside of the packaging that it required the purchaser to 18 or older. 

When we communicated the problem to NETSPEND we receive an automated email response stating that we would be contacted for follow up ( received XX/XX/2020 ). We have submitted follow up correspondence ( XX/XX/2020 ). We have not received a response.
Consumer complaint received 2021-10-15
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: CITIBANK, N.A. (NY)

MACYS I already explained many times about this credit card back in 2016 and never used credit card. 
This balance doesn't belong to me.The address on this account is not my address as well! 
Almost 8 years old accnt
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

I have an account with Hyundai Motor finance account # XXXX this account was set up on Automatic payments. For some reason the payment for XX/XX/2020 was not processed. 
Since I had moved previously the mail never got to me to inform me of the issue. I was ill with Covid-19 in XX/XX/2020 and since I was under the impression that this was on auto-pay I was not even looking out to see if any issues occurred.
Consumer complaint received 2022-09-16
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: Global Lending Services LLC (VA)

My problem is with XXXX I have disputed two Company Credit acceptance they put false information on my report and the other one is Globe Lending I have written a letter on the disputed both because I call credit acceptance XX/XX/2022 and talk with them and the ss number was XXXX on the account my last XXXX is XXXX and I was told I had co sign for a XXXX XXXX and I do not know this person at all and XXXX all all number on there report and my XXXX XXXX have not change in months and I do not know why some of my creditor has been reporting to them and they are not on my credit at all and I have ask XXXX to investigate several time over the years and nothing was do with this problem and on XX/XX/2022 I report Credit acceptance and they was reporting late for and they took down all but one and they both using false information to destroy my credit please help me with this matter I have written the credit bureau with the issue and my score has not changes in months XXXX I call them this month and by me calling XXXX points yesterday XXXX points the credit is not doing there job I am a consumer that pays her bills on time each month but the scores never changes on Exquifax or XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act, XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (AZ)

The PayPal Credit overview page on the internet, which is run by Synchrony bank has misleading information that leads to shady practices and them collecting interest on balances that I thought they were helping me avoid. First, the PayPal credit overview page makes it very difficult to understand the regular purchase accrued interest balance from the deferred interest balance. Then it shows an " Amount to AVOID Standard and Deferred Interest '' which makes one think that the amount will then be split between the expiring special financing purchase balance from that month and the regular purchase interest accrued, so that I can avoid paying standard interest balance. Wrong! The representative I chatted with stated that any payment beyond the expiring special financing purchase balance gets applied to other special financing purchase balance that is expiring at later dates unless I specify how to split it. By doing this, they then continue charging interest on regular purchases that I was trying avoid ( and that they were leading me to believe I was avoiding ) and defeats the purpose of highlighting Amount to AVOID standard and deferred interest as I am not really avoiding any interest if they are IMPROPERLY applying my payment beyond the expiring special financing balance to other deferred interest and not how they are making you believe its being applied. Case in point, my deferred interest balance expiring in XXXX is {$440.00}. The " Amount to AVOID Standard and Deferred Interest '' shows as {$550.00}. If I send that payment, they don't automatically allocate the extra {$100.00} towards my standard interest balance unless I tell them, instead they would apply all the balance to deferred interest balances, thus continuing to charge standard interest on the balance of {$100.00} that they had led me to believe I was going to avoid. I have been paying the " Amount to AVOID Standard and Deferred Interest '' for years thinking that I was avoiding interest, when in reality I have not. If this is not shady, I don't know what is. In contrast, the XXXX XXXX Credit card will apply balance first to any deferred interest that is expiring that month and any over payment to the standard interest balance, thus truly helping me AVOID standard interest.
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (IA)

XXXX XXXX accepts only google pay for a membership that allows longer than 12 second security recordings.

XXXX XXXX can not get their payment which leaves my family at risk of our dangerous stalker we do have as we can not record more than 12 seconds nor use my card to pay for our membership this month google pay wants me to verify a card i have not had in along time. 
that card also does not show in my active list of payment options as a card to remove. my current debit card does show. it is the only card i now use.. 

google pay said to send a photo of the card i do use in place of the one they requested to verify. 
as well as to send a photo of my drivers license to verify my identity. 

i did that twice. both times my information has been declined this month. 

google pay called me 3 times when i found how to search and find the call me button. it is very very difficult to find that. 

1st call the woman said send info i did have.

it was declined twice.

2nd call the robot system hung up on me.

i was so upset i waited a day to try again.

3rd call XX/XX/2021 someone with an extremely thick accent answered and said not that he could fix anything but to " watch for an email from google pay '' 4. i have received several emails from google pay, all with instructions on how to verify my identity, how? by sending proof via their camera system, of my i.d . and credit card i no longer have. not helpful as if they are rubbing it in and never even listened at all. 

i am extremely frustrated and worried they are allowing my info to be used fraudulently possibly as well as NOT fixing the issue which is putting my family at risk and i am unable to pay for longer security recordings via our wyze cameras. 

any assistance would be truly appreciated. 

i do not feel google pay is going to correct this issue. it has been ongoing for over a month now. 

also XXXX XXXX does not have any phone nunber to call either nor any other payments accepted. 


.both companies have very poor customer service and it is near impossible to find how to reach them. for wanting my money they need to be easily accessible to reach.
Consumer complaint received 2020-06-03
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. (NY)

I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to Transunion, XXXX  and XXXX  I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.