davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

They are inaccurately dictating my XXXX XXXX and not giving me proper increase nor score, even when I paid off a few accounts and had a few fraud accounts removed they did not grant my proper increase and stuck me back at the same number within XXXX  days after those listed briefly accounts. They tried to correct it and somebodys XXXX yet again illegally jumped in my personal business and tried to illegally take advantage of me and my human rights and wont fix what my credit is about. You give credit for a person to represent their self through XXXX  and integrity and where you come from verse what you do with your life and business.
Consumer complaint received 2020-11-13
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: EQUIFAX, INC. (GA)

I have filed a dispute and also supplied them with supporting documents in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2023-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove. 

On the Capital one I want the late removed and closed account On the XXXX XXXX XXXX XXXX Capital one They all said it would be soft inquires on my report and they were all hard. I want them removed
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I contacted Capital One concerning my automobile loan. I asked for a deferment due to being recently unemployed due to the pandemic. I was denied. I am currently one day past the 10 day grace period. This is the first time since opening this loan that I have been late or needed help. In fact since XXXX I am well ahead of my loan payments. 
Original loan amount : XXXX Opened on : XX/XX/XXXX Current amount owed : XXXX, XXXX Monthly payment amount : XXXX I received an alert congratulating me for the projection of my loan that was to end XX/XX/XXXX to XX/XX/XXXX. 
I plan on making my car payments as soon as I can return to work and plan on finding other work until then. When I asked the representative why I was being denied the deferment she said " I don't know the computer won't let me '' several times. I asked to speak to a supervisor. Literally, the supervisor was on the phone less than 30 seconds to say the same exact thing the representative said. I will attempt again tomorrow, hopefully I will get a different response.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2022 I ordered a used phone from XXXX user name ; XXXX in the amount of {$710.00}. I received the phone and found it had a defective battery. The battery would lose power by the minute without use. I contacted the merchant he told me I could return if I paid the postage, he would reimburse me. I sent the phone back on XXXX XXXX. 
I used PayPal synchrony bank to pay the merchant. I have been a long time customer. The last four digits of my account number is XXXX. I contacted Paypal for the first time in XXXX for a reimbursement of my money. The first case was found in the favor of the merchant. On XX/XX/XXXX, the merchant said he had not received the phone. At that time I provided tracking number, I confirmed with my postmaster that the phone had reached his locked box in XXXX Hawaii on XXXX XXXX synchrony bank was supposed to do an investigation. That never happened. The first case was ruled in favor of the merchant saying he had not received the item. At that time I provided faxed emails from the merchant saying that he had received the phone and would pay me back. He did not want to pay me back the tax. I contacted synchrony bank to escalate the case. # XXXX upon investigating the second case, it was found in the merchants favor. They said I had provided a wrong tracking number. I called PayPal synchrony bank and spoke with XXXX a supervisor. She was able to verify the tracking number was indeed correct and that he had received the package. The supervisor, XXXX told me that there was all sorts of supporting evidence that she was looking at. I contacted the attorney generals office in New York State. The attorney general told me that he would be willing to refund some of the amount less the taxes. When I tried to contact him through an email he had blocked me and was no longer talking with me. therefore, I can not trust him to reimburse me. Period synchrony bank should have done their job. They should be the ones reimbursing me. I have now escalated the case for the third time. They have all the emails that confirm the merchant says he received the phone. 
I am XXXX XXXX XXXX and this has stopped me from shopping on XXXX or using PayPal since XXXX. My credit score has always fluctuated between XXXX and XXXX. I returned a defective item! at this point there should be no question as to whether I deserve a full refund of the money I spent. In the amount of {$710.00} I fear this is going to ruin my excellent credit rating. I can not tolerate that after having an excellent credit rating for over 30 years Best regards XXXX XXXX
Consumer complaint received 2023-01-12
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. (TN)

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. Experian, XXXX, and XXXX are reporting fraudulent information.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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)

FCRA Violation : name and address not XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX XXXX  FCRA Violation : collection not mine XXXX XXXX XXXX XXXX  FCRA Violation : hard enquiry not mine XXXX XXXX
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Foursight Holding LLC (AZ)

First let us talk about the response by Foursight Capital to you on this same issue in a prior complaint. 

They claimed that they had a problem reaching me by phone. XXXX XXXX XXXX XXXX cell phone number has not changed and I have never received a voicemail from them with any pertinent information. 

The stop payment was called in on XX/XX/2022 XXXX day before the payment was due, butthey had already processed the payment XXXX day before the due date, apparently so that they had it on the due date via theXX/XX/XXXXou can verify this date by contacting XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, because I was there on an appointment to call Foursight and get a pay -off of the loan ' Then they appear to clam that I had to make payments for XX/XX/XXXXmonths at XXXX percent and had no option to pay off the loan sooner, however in 2022 I got XXXXXXXX XXXX quotes as I went from refinancing the vehicle to sell off an investment and paying them off in cashiers check on XXXX XXXX in the amount of {$25000.00}. On XX/XX/2022 they showed the loan as closed on my credit report with a XXXX balance due, but have since claimed that I still owe for a late charge of {$410.00}, apparently for the payment due XX/XX/2022, when they were paid in full XXXX days prior. It is now in month XXXX after they reported the loan paid in full with a XXXX balance. Last week, I went to the Arizona XXXX office and asked about how to get a replacement title. The agent said if all else fails I can pay for a bonded title, but it is expensive, so she suggested I send them a Lein Release first, and so I did that via fax and explained that the return document had to have a wet ink signature, and suggested they return it in the prepaid and pre-addressed Priority Mail envelope that had accompanied the certified check in XXXX. The fax was received, and no XXXX XXXX has been received this week. 

They also admitted that they continued to process the auto pay payments for XXXX more months, until XXXX of 2022, and were applying the payments first to the unapaid late charges and NSF fees created by the failure to stop the auto payment in XXXX, thereby leaving me to pay the charges they created when I paid off the truck in XXXX. Most of the charges were therefore illegal because they were churning a checking account that had been blocked by the bank.
Consumer complaint received 2023-01-12
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. (TX)

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 Have both 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
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I looked at my Equifax Credit report today and found information that is hurting me financially and is also false information. I have several account being listed as " charged off '' meaning these companies should have issued me a 1099C form for tax purposes as the debt has been canceled out and is reporting as income to the Internal Revenue Service. I never received such forms from any of the creditors listed below. Since income can not be reported on my credit report then I demand these false, negative items be deleted at once as per the F.C.R.A. 


XXXX Bank Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-01-12
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. (OH)

In accordance with the fair reporting act the list of the accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2020-11-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (MD)

I entered into a repayment agreement with Franklin Credit Management Corp about XX/XX/XXXX. Which I agreed to send the company a lump sum payment of {$8000.00} to be received by mid XXXX XXXX, to bring my delinquency current. After receipt of this lump sum payment, I was to resume regular monthly payments of {$270.00}. To honor this agreement I acquired a personal loan for the amount of the lump sum payment ( resulting in a monthly payment of {$230.00} ) and forwarded the payment to the mortgage company. Unfortunately, my lumpsum payment reached Franklin XXXX day past the payment deadline. Because the payment arrived XXXX day late, another {$4000.00} in fees was added to the original {$8000.00} requirement. The company accepted the {$8000.00}. And I agreed to a new monthly payment amount of {$540.00} for the following XXXX months to satisfy the {$4000.00} in new fees, and to bring my delinquency current. Unfortunately, COVID happened, which left me unable to maintain the $ XXXX  monthly payment. I explained the circumstance to the mortgage company, but they are unwilling to help find a resolution. As a result, an initial second mortgage monthly payment debt of {$270.00}. Resulted in a new payment of {$770.00} XXXX {$540.00} payment to Franklin plus {$230.00} payment for the personal loan ). Which leaves me in a worse financial position than i began. I was forced into making an irrational financial decision in a desperate attempt to save my home. I need help. I don't know what to do.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

Today XX/XX/XXXX, I checked my XXXX credit report to see if there were any updates on my credit report. Last week I had started some disputes on some of the accounts on my credit report since some of the information on them was inaccurate. I did notice one big problem that has made me really worried. There is an account on my report that I don't believe is mine. I noticed that this account had similar information as another account on my report. Both accounts reflect the same date, XX/XX/XXXX as their date opened. Both accounts have the same write off amount of {$1800.00}. The account that I don't believe should be on my report is listed as an auto loan. I do have pictures that I will download. Now, I have that same information reflecting on my other credit reports and I have a feeling that the company BB & T that is reporting this information to my credit reports has written off my account more than once.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX  I received an email from Wells Fargo that there were fraudulent XXXX transfers made from my account. They were in the following amounts : {$100.00} Ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Wells Fargo immediately and was informed by a representative that they would be locking my online access to prevent more fraudulent charges. I also deleted XXXX from my account, as I had never used this ETF service before. I reported that my phone was out of my possession the previous day and could have been accessed by someone else. ( Despite my face ID being activated on my cellphone ). I also filed a police report to report the online fraud. 
I filed a claim XXXX XXXX XXXX XXXX, which was denied on XXXX. I contacted Wells Fargo on XXXX XXXXo ask why it was denied and was told that research showed the charges were made from the same IP address and could not be fraud. The rep would not provide me any further information upon my request. At this time, I repeated that my phone was out of my possession the day before the charges were made. 
I went into a Wells Fargo branch on XX/XX/ to file a complaint ( # XXXX  ) regarding this issue, as I was told I could not appeal the decision. I was then contacted by a complaint representative who looked into the claim denial more and was told that the transactions occurred from fingerprint access to my phone. I have never used this security feature on my phone, so this is not accurate. This is also inconsistent with the previous rep telling me that it was used from the same IP address.
Consumer complaint received 2020-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (IL)

I took out this loan in 2017 and been paying early every month and I still nearly owe what I borrowed! 
Look at amount borrowed and what has been paid. 
I didnt even take out the whole amount I was approved for, do you show that? Or are you charging me as if I had? Because for what I borrowed this would have been pain 3xs over!