davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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)

my wallet was lost with all of my personal information in it and never found and now I have accounts on my credit report I never applied for, also some inquires, I need them to be remove immediately XXXX XXXX XXXX XXXX ( closed account ) XXXX TRANSUNION XXXX inquire ) XXXX  XXXX XXXX XXXXTRANSUNION ( XXXX ) XXXX  ( Hotel and travel ) - TRANSUNION ( inquire )
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AZ)

A former friend opened a credit card with Discount Tire through Synchrony Bank and fraudulently used my phone number as well as her own on the account. She has not paid into the account and it's past due so now I get automated calls from Synchrony 3-6 times per day on various numbers as they attempt to collect a debt that is not mine. The card is not in my name thankfully but my phone number is on her account when it has no right to be as I did NOT give my permission to do so. 

I called Synchrony and they claim they can not remove it. That the cardholder herself has to call to do so despite that its MY number. She will never call as she owes them money. They refuse to stop calling me on a debt that is NOT mine. 

It interrupts my work and personal time and if this continues, I will be forced to change my number.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & XXXX! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. 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. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT XXXX : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX
Consumer complaint received 2022-10-03
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. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & XXXX! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. 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. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT XXXX : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX
Consumer complaint received 2022-10-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed with TransUnion about XXXX XXXX Act # XXXX where the account was to be removed as it was agreed upon for payment in full ; however, INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. It was changed to Not Specified.
Consumer complaint received 2022-10-03
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. (CA)

XXXX XXXX Account # XXXX Is claiming everything on my report is 100 % and they did a thorough investigation well everything is not 100 % accurate they failed to obey the law i have rights to privacy and there violated it. All 3 bureaus are inaccurate and reporting wrong information. 

Last active Last reported Balance Comment section Please review upload and youll find all inaccurate
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 10. Validate Account XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TN)

BSI never removed a XXXX put on my property after loan ( XXXX ) was paid/satisfied in XXXX of XXXX. Property was in escrow and now can not be sold whereby I am losing hundreds of thousands of $ $ $ daily. I have contacted their CS Dept who has acknowledged that BSI dropped the ball on this. BSI CS has advised they are dealing with their " shadow '' internal " ROL Dept (? ) '' to get this resolved. However- the ROL Dept supervisor XXXX XXXX states she is actively working with their " vendor '' ( who also seems to be a shadow entity ) to get this resolved. Yet this tells me nothing more. No ETA - where they are at - NOTHING. I will not standby and have this happen to me and have retained legal counsel on standby if this does not get resolved ASAP. I have also contacted ( 6 ) of BSI 's Leadership/Sr Mgmt officers of the company with formal complaints as of today. I also will be reporting them to the Consumer Affairs & to the XXXX. In addition - I have COntacted XXXX XXXX XXXX XXXX who is the end client of BSI 's. They have advised they too are not getting anywhere with them. I also see that BSI was sued back in XXXX of XXXX for poor loan servicing practices to name a few. It seems that new leadership needs to be at the helm with all these poor reviews and having had a subsequent lawsuit that will no doubt result in more.
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing Inc has reported I owe {$2100.00} on XXXX of 2022 from a XXXX account which has been reported as fraud and closed. I have written proof it was a fraudulent account. The day after reporting this, Convergent raised the amount by XXXX dollar, which was another hit to my credit. Previously the collections was XXXX XXXX, I believe for the same amount of {$2100.00} which was reported here a couple of years ago and closed. I have never done business with XXXX and I feel Convergent Outsourcing has my information and is using it for nefarious means. Raising the amount by XXXX dollar after being reported to XXXX, even stating that my documentation was verified as true and accurate. I have attached said paperwork and a picture of my correspondence with XXXX stating the account has been closed and to cease all collections.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (NC)

Ever since my loan was transferred to Loancare , LLC ( Myloancare.com ) I have had nothing but trouble. I find it appalling that I have no choice over the company who resides over my mortgage, especially when my personal information is put at risk. The first mistake this mortgage company made was send bad web links in emails detailing the transfer of my services. I had to call customer support to get the correct web address to register online. The second issue I have is that they have not bothered to pay my tax bill for this year which was due on XX/XX/2023. I pay a considerable amount in escrow so they can make those payments on my behalf, and they didn't bother to pay my bill on time. The third issue is that now a cyber-attack has rendered my account unusable for over a week and counting. I can't even get them to pay my over-due tax bill and I can't pay my mortgage because the accounts have been frozen due to the attack. They never even sent out a notification that the attack occurred and have not updated anyone on their plans to protect our data. They have completely left us in the dark about the cyber-attack. I called customer support, and they couldn't tell me anything except that they are working on fixing the issue. They couldn't provide any information regarding whether my bank information is safe or not. This service provider doesn't deserve anyone 's business and I wish I could switch back to my old loan service with XXXX XXXX XXXX.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (FL)

This original bill was with XXXX XXXX in Texas, it is result of identity theft. It has been disputed, and resolved, this past XXXX. I never lived in Texas, never visited Texas. 
Now it seems another collection agency picked up this account and its on my credit report again. I tried calling the number for this collection agency, the call will not connect and voice says its not a valid phone number. The number is : XXXX. 
The agency name is XXXX XXXX XXXX. Address is : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX, NY, XXXX. 
The account number associated with this is XXXX I have lived in Florida for past XXXX  years.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fidelity National Financial, Inc (CA)

My home mortgage is through Fidelity National Financial, and their XXXX site has been down all week ( I've been trying to access the site since Monday, XX/XX/2023 ). Their website is the only way to make my monthly mortgage payments. I have a payment due tomorrow ( XX/XX/2023 ), and no way to make the payment. 

From what I've been reading, they received a cyberattack and shut down their site for a couple of weeks now. I have received no communication from the company.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

I opened a XXXX Credit Card at a XXXX outlet on XX/XX/2021. I order a refrigerator, and convection oven microwave, with delivery and warranty. I spoke to my wife and she wanted to go with me in person to purchase the fridge, so I called the next day and cancelled, that was done. That Friday XX/XX/XXXX they were delivering the Convection microwave, my wife stayed home to receive the delivery. They called me later in the day around XXXX I was told he was on his way ( 50 minutes away ). XXXX the same guy told me his truck broke down in XXXX XXXX XXXX He gave me his word and promised he would deliver the microwave the next day ( He lied ), no calls - nothing. The next week a managers calls me and asks when do I want to reschedule the delivery saying I cancelled ( I explained to him the situation ). I knew for a month my families schedule was packed, so I couldn't give him a date. I have 1 month to return the item so 2 weeks later I called to return/cancel the convection microwave ( returned over the phone very difficult I had to go in person and call 5-6 times, but it was returned around XX/XX/2021, 2 weeks following the initial try ). Everything including the warranties were to be taken off. 
They took off the fridge warranty, but never the Convection microwave warranty I have requested it be taken off 10+ times and opened 1 dispute and if call the store they hang up on me, XXXX corporation tells me they will have the store reach out to me, instead of them taking care of it. The amount has never been taken off and I received a payment request for {$220.00} for the warranty that still has not been taken off, as of XX/XX/2021 for nothing. Sorry for the long explanation, will you please help, they have wasted 5-7 hours plus of my life. Thank you
Consumer complaint received 2022-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (CO)

On XX/XX/2022, I purchased a XXXX XXXX gift card through their official business partner XXXX. On XX/XX/2022, my wife and I attempted to use that gift card to make a delivery order from the XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Despite our instructions to the restaurant including our apartment number, the delivery driver briefly placed our order at the base of the stairs to our building ( we live on the third floor ), took a picture so he could claim he had delivered it, and then left. I went to the ground floor less than XXXX minutes after receiving the notification and the order was not anywhere around our building. My best guess is that he took it back to his car and left with our food immediately after taking the picture. I immediately called the XXXX XXXX location and they said they would refund the {$41.00} cost of the order within XXXX business days. They did not do so, and they have been incredibly unresponsive every time I've tried to reach their customer support over the last XXXX months. I also contacted XXXX, and they simply referred me to XXXX XXXX support since they apparently don't handle refunds. XXXX XXXX has offered me a gift card for {$25.00}, about 60 % of the value of the stolen order. I want to get all of my money back since I did not receive any part of the order. I currently have a XXXX complaint open against XXXX XXXX, but I want there to be some accountability for XXXX as well since they are complicit in this customer service runaround. Both companies are using deceptive tactics and jointly dodging responsibility for the atrocious service they are offering, as well as aiding each other in ripping off would-be customers.
Consumer complaint received 2022-10-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

To whom it my concern, I was recently report for 90 days late payment by Bank of America. I have not been late for any of my payment in the last 10 years. Please advise, ..In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15USC1681 section 602 states, I have a right to privacy. 15USC1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15USC166B a creditor my not treat a payment on a credit card account under open consumer plan as late for any purpose. 

Thank you
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I sent the payment coupon that was attached to the statement that they send me every month. I endorse it and sent it back certified mail. I received my green card back stating that the company received the payment coupon. I called today Monday XX/XX/XXXX and see what going on with my payment. I was told that they didnt receive my payment coupon also that it was not a form of payment. I asked if they can send my original payment coupon back and I was told they couldnt but could send a copy of the billing statement. I even stated this law 15 usc 1693o-1 along with public law 106-229
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (GA)

The account listed below was opened fraudulently without my consent and is against consumer law to report fraudulent accounts. 


Experian Fraudulent Account XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-10-03
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: WELLS FARGO & COMPANY (GA)

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 6o2 states i have the right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a vehicle under an open consumer credit plan as late for any purpose. I finance my vehicle through Wells Fargo. 

I also have a credit card through XXXX XXXX. They are also giving my information away as well