davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MA)

I am having XXXX XXXX A/C units installed in my home by XXXX of XXXX XXXX  whom recommended I use an 18 month no interest loan ( interest deferred if paid off in 18 months ) to have the units installed. The loan is serviced by Synchrony Bank whom considers it a credit card. They claim as part of my online application I agreed to pay {$190.00} for a {$29.00} activation fee and a {$160.00} " card security fee. They say these fees are needed to protect my credit card. I didn't know it was a credit card and i never would have agreed to pay {$190.00} for security for a credit card that A ) i don't even have and B ) will never use. Its part of a XXXX promotion, not a card to run around using with a 27 % interest rate. When I talked to the two representatives on the phone, they refused to transfer me to a manager claiming none exists. 
This is a scam and I feel in violation of the interstate commerce laws. I will also be filing a complaint with the State of XXXX consumer protection office. 
Futhermore, I had to request my loan statement as Synchrony didn't even send me a bill. 
This is a huge scam. Not sure who's behind this scam whether it is the contractor or XXXX or Synchrony Bank, but this is a huge scam meant to dupe consumers.
Consumer complaint received 2022-06-06
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: Credit Systems International, Inc. (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX has a debt from XXXX XXXX XXXX amount of {$580.00}. They ( XXXX XXXX XXXX XXXX ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit report.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (CA)

The Credit Bureaus never did a proper " investigation '' on XXXX XXXX  Account # XXXX according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, because everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, high credit balance amount, credit limit, last date reported, comments, date last active, date of last payment and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.
Consumer complaint received 2022-06-06
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. (FL)

I sent all 3 credit bureaus My FTC REPORT, I.D, SS, And utility bill as well as a cover letter explaining the unauthorized inquiries and fraudulent account that are reporting to all 3 credit bureaus. They still have not removed these accounts on my report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-06-06
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. (CA)

The Credit Bureaus never did a proper " investigation '' on XXXX XXXX  Account # XXXX according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, because everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, high credit balance amount, credit limit, last date reported, comments, date last active, date of last payment and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NC)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (OH)

I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXXXXXX XXXX  XXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Hello, We came out of a loan modification with Caliber Home Loans end of XX/XX/XXXX. 

XX/XX/XXXX When I called XXXX in XX/XX/XXXX to make my first payment after completion of the loan modification. The person I was speaking with was all confused about what I needed to pay. They finally gave me an amount of XXXX. I made the payment through XXXX XXXX on XX/XX/XXXX. 

XX/XX/XXXX I was ready to make another payment in XX/XX/XXXX and the person I was speaking with at Caliber said the amount to pay was XXXX. I was annoyed with them because they did not get it right the first time in XX/XX/XXXX. I made the payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I checked Caliber website and noticed that my payment for XX/XX/XXXX did not show up as paid. I called Caliber and asked them to correct the problem. They said they would look into it and see what they could do. I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX, I check Caliber website again and problem with XXXX still not corrected. 
I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I check with Caliber webite again and no change. I called Caliber and the said that the XXXX I paid in XX/XX/XXXX went into suspense. That I needed to pay an additional XXXX to make XX/XX/XXXX correct. I made the payment on XX/XX/XXXX. I called a few days later and they said they would fix it. I made XXXX XXXX on XX/XX/XXXX. 

XX/XX/XXXX I check with Caliber to see if they fixed the problem. Not fixed yet. I made a payment for XXXX on XX/XX/XXXX. 

XX/XX/XXXX I made a payment on XX/XX/XXXX for XXXX payment. Caliber website still show me behind a month. I called and spoke with a customer service person and now they are saying payment for XXXX was declined. I can not get them to straighten out my mortgage payments. Caliber Home Loans does not know what they are doing. Please help. 

XXXX
Consumer complaint received 2022-06-08
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: National Credit Systems,Inc. (GA)

The credit bureau never did a proper investigation according to the FCRA. 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. 
They did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in disupte letters to dispute inaccurate information regarding my credit report. These accounts XXXX XXXX, XXXX XXXX and orignal creditor plus more accounts were showing multiple inaccursies across the board for each account from date opened, acct number, account status and remarks. Since FCRA law states I can dispute any information I feel is inaccurate i sent to all bureaus my reasoning for my removal request. I also sent in letter the FCRA law explaining their responsibility of maxium possible accuracy reporting and how they failed to follow the law, I have not heard or seen any type of repsonse to the letters I've submitted over 30 days ago. So i sent out another and made them alert that I was notifying you all.
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

XXXX is the orginal company and they became XXXX. The collection agency now is Source Receivables MNGMN. I have disputed owing {$720.00} to the three credit reporting companies. XXXX keeps reporting " Verified and Updated ''. So, XXXX or Source Receivables just keeps repeating that the money is owed and past due. XXXX 's account services told me via a telephone call on XXXX that I did not owe any more money because I had been paying a month in advance. They also said all phone calls are recorded so I requested they listen to that XXXX phone call several times. That call would backup my claim. I was always told my request was being escalated and they would call me back in 5 to 10 business days. Never got a call back and they kept increasing the amount they said I owed. On XXXX, I paid {$390.00} for the bill due XXXX, which is the same day I was told I did not owe anything further. I had 5 devices and four were paid off and one was returned. All lease terms were completed. XXXX unlocked all phones and I was able to change to XXXX. I want my past due {$720.00} to be removed and I want to listen to that phone call along with a XXXX representative. I think they do not record all phone calls and that is why I did not hear back from them.
Consumer complaint received 2022-06-08
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 have disputed a bankruptcy being reported on my credit report. XXXX had deleted it upon not being able to verify but XXXX and Transunion updates it without deleting. I contacted the courts who stated they do not report to credit agencies being it is a violation of privacy laws. Attached a letter will be included. My consumer rights state you can not obtain information from a third party but rather the original party only. Being I have proof the courts did not supply this information I have a right for removal.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Avant Holding Company, Inc. (PA)

I got an alter from XXXX XXXX on XX/XX/2022 that a new inquiry was made on XX/XX/2022 at WEBBANK/AVANT LLC . I called WEBBANK/AVANT on or about XX/XX/2022 to get more information and they said that an application for a loan had been made. they said that they stopped the loan application and sent me notice to make a formal complaint at this website. I believe that the loan was for the amount of {$50000.00}.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act Account 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 an account without my written instructions.
Consumer complaint received 2022-05-27
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. (LA)

XXXX XXXX  has a debt from XXXX in the amount of {$580.00}. They ( XXXX XXXX  and XXXX  ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit report.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (KY)

My payment is {$1000.00} per month and I have a monthly income of only {$800.00} and they will not work with me to refinance or lower my payments. Ive inquired with them for 6 months or more. They offered to pay me {$1000.00} for my home and property instead of trying to help solve the problem. They say I'm approximately {$4000.00} behind and will not give me time to pay it, nor will they offer to even work out a better payment plan. I'm XXXX and on XXXX and I'm a single lady. I've tried and applied for any and every assistance program and grants via the government and our local Community Action Program.
Consumer complaint received 2022-06-08
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act Kansas XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX, have 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
Consumer complaint received 2022-06-08
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. (AK)

Back on XX/XX/2021 XXXX XXXX for XXXX XXXX, was removed from my credit report due to fraud issues. They have since changed there name or sold the item that was removed to XXXX XXXX XXXX. I have disputed the item on Experian due to the fact that it goes against credit reporting guidelines because I was not notified of any additional documentation to have the item placed back on my report.
Consumer complaint received 2022-04-28
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.