davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

I got a personal loan with XXXX XXXX /syncronic bank , about 2 years ago. 
I called on XX/XX/2018 asking for an extension to make my payment because I got sick, I was at the hospital and with the XXXX and with multiples doctors. I am still in really bad situation. I have the copies of all my medical records. 
This company announce sales of furniture with zero interest and I got a room set about two years ago .Until XXXX my debt was {$880.00} and they added an amount of {$1100.00} for Interest charge on XX/XX/2018. They did back date charge interest of 29.99 % adding in my account this interest an now my new balance in {$2100.00}. 
l 've been calling customer service. I spoke with XXXX and other ladies and nobody wants to help me. How come they increase my balance when I am calling for help because my health conditions? 
Please I need your help. As I wrote before I have copies of all my medical records. 
please do not add such amount of interest on my account and in this moment when I really need help. Please send this letter to the Manager or Directors of the company. 
I really need somebody who can help me read my letter. 
Thank you I appreciate your help
Consumer complaint received 2023-07-26
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

I had 2 credit cards with XXXX XXXX, these were 5 years ago. They were charged off, another company got them, originally Ive was {$500.00} and one was {$300.00}, this collection agency called LVNV went to court behind my back did not serve me that I even had a court date and was successful in gaining a judgement t against me for XXXX and XXXX for a total of {$2700.00}. Not only did they do this but XXXX XXXX sheriff served my bank XXXX and took money from my XXXX XXXX XXXX high school checking account. I called XXXX and complained and they said we served you the paperwork and I said yes you handed me a judgement t that was already signed by a judge but thats it. Its criminal what they did. They have other names too so its hard to track them down. They operate from several states including XXXX XXXX Nevada, XXXX Calif and North Carolina. It has been a nightmare. Im going to be homeless soon if I can not get my credit score up. These are the only debts I have. Im XXXX, have a XXXX XXXX XXXX. Our lease ends in XXXX and Ive tried to apply for rentals and Im not qualified because my score is XXXX because of these XXXX XXXX collectors. Please help me.
Consumer complaint received 2023-07-26
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)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-07-26
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-26
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3200.00}
Consumer complaint received 2023-07-27
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. (DC)

XXXX XXXX is ran as a charge off on my report. There was not a 1099c cancellation of debt form received which makes the account inaccurate with reporting and needs to be deleted.
Consumer complaint received 2023-07-26
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (CA)

XXXX XXXX and equifax as well As XXXX XXXX continue you report negetive info about my report without my written consent they keep allowing 3rd party debt collectors report and they infringed on my privacy15 us code 1681 a also n 18 us code 8 I mean I am my own creditor I have unlimited Credit yet its the law that they inform me about reporting on my report then they have to have my consent to do So but they never have
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC (NY)

UHG I LLC, d/b/a United Holding Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Phone XXXX XXXX UHG I LLC is trying to collect {$3100.00} I have never had any financial or contractual relationships with UHG I LLC d/b/a United Holding Group. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is Invalid, Fraudulent ( Scam ) or an Accounting / Data Entry or Mistaken Identity.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

To whom it may concern : The XXXX XXXX is a fraud and you know it. I have sent in an audit report to the IRS regarding the assurity bonds taken out on my Social Security number and you used my birth certificate every year I was in school ( XXXX XXXX ) as well as when I received my Drivers license this corporation put an ( XXXX XXXX ) assurity bond on that. My right as a free woman has been stolen from me as well as my family and children. I do not consent. Make it right! You are committing fraud and you know it. Also the XXXX mortgages that we took out on our homes needs to be repaid to us. This needs to be rectified immediately. 

By : XXXX XXXX XXXX Beneficiary Done in good faith
Consumer complaint received 2019-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I closed on my condo XX/XX/XXXX... I applied for and received a 30 year fixed rate mortgage of {$130000.00} with 4.5 % interest ... Taxes and insurance were NOT to be escrowed as I'd made this clear and have email regarding my closing as confirmation of this. XXXX XXXX was my first mortgage holder, .. it was later transferred to Dovenmuehle Mortgage. My mortgage payments were to be a fixed rate of {$660.00} monthly ... which I'd been paying on time for just over one year. I've payed my insurance and property taxes directly and always on time. 
On Friday XX/XX/XXXX I received notice that my payments were going up to {$770.00}, related to an escrow account ( which I was not supposed to have ). I contacted a representative of Dovenmuehle Mortgage, XXXX ( XXXX ), to discuss this. She informed me that the company sent in money for taxes of XXXX.. and later they were refunded XXXX.. ( the same amount I'd previously paid ). She said they were still owed {$670.00}. I contacted the XXXX county tax  office and spoke with XXXX XXXX, tax supervisor. She informed me that I was the contact on record, and that no bill went out to Dovenmuehle. They received my quarterly payment first and on time ... but later received a check from the mortgage company and so they refunded them my payment and placed the remainder towards the next installment in XX/XX/XXXX. On my instructions, she did issue a check back to Dovenmuehle Mortgage for the remaining {$670.00}. I'm submitting an email with her testimony that I have been paying all tax installments on time, .. that the mortgage company never requested a tax bill, and that they were being refunded the remainder of the payment ( {$670.00} ) they made. 
I did make another call to XXXX XXXX  XXXX, and spoke with a XXXX ( XXXX ), however, the issue could not be resolved to my satisfaction. She did not have the authority to resolve this, nor was she able to connect me with someone higher up with the authority to correct this, as I had requested. She did say the company uses another agency to look into matters of taxes. 
I do not fully understand why any mistake was made regarding an escrow account in the first place. I do not know if there were errors between the different mortgage companies in relation to transfer of the mortgage. I do not know why the mortgage company took it upon themselves to look for and pay the property taxes without notifying me. I do believe I've done everything within reason to make it clear that I'd be paying the taxes and insurance myself ... and that there is not to be changes in the monthly rate of the mortgage due to an escrow account. I would like to have the situation remedied with my monthly payment of {$660.00} reinstated. Also, I do not want any sort of penalties related to late payments or anything else related to this incident to effect me.
Consumer complaint received 2019-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2019 I was lied to about shoes. A man on XXXX was saying XXXX   for XXXX dollars. I texted the number he gave me his XXXX app name and disappeared. He stop responding and blocked me from everything. I have screenshots of everything we talked about. I went to XXXX app and they said there was nothing they could do and to contact my bank. I called Capitol One and they told me to wait until it clears and then dispute the charges. I dispute the charge but they tell me there is nothing they can do either because I transferred the money already.
Consumer complaint received 2023-07-27
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: Spring Oaks Capital, LLC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to SPRINGOAKCAP which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/XXXX. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. Lastly, you are reporting that the date last active was XX/XX/XXXXXXXX  which is untrue. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney. I will attach the dispute letter that was sent 6 months ago which is dated and time stamped.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a business checking account with Bank of America for year with no fees. 

Without notice I was charged $ XXXX. As I had never had fees before, I didn't see this fee until 4 months in. As I didn't have a a high balance, B of A stole over 25 % of my balance. B of A would only credit one month, leaving me on the hook for almost {$90.00} in junk fees.
Consumer complaint received 2023-07-27
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: TRUIST FINANCIAL CORPORATION (DE)

I had a joint account with Regional Acceptance Corporation that was charged off XXXX. 

Per my credit report, it states the debt owed is {$3000.00}. This debt is not reported on my spouse 's credit report It was a joint loan ), and they are not responding to calls at XXXX to obtain a copy of the debt so I can try to settle the debt. I have left messages on the general voicemail and a message with XXXX XXXX, the XXXX  XXXX. 

This is not my first time trying to settle this debt. I tried to resolve this debt in XXXX, XXXX. 

I have tried to dispute the debt, and they report back to the credit bureaus but not to me. 

I want them to respond to my inquiry and see if an arrangement can be met. 

My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX Acct # XXXX last XXXX XXXX Joint with XXXX XXXX XXXX XXXX Any assistance or guidance is appreciated.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NV)

on XX/XX/2023, Wells Fargo bank allowed an unauthorized charge of {$690.00} to be taken from my checking account. They have left me overdrawn by - {$350.00}. The charge was unauthorized and reported immediately. They have not issued a provisional credit and they are telling me to wait 10 business days for their investigation to complete. They should not have allowed this charge to go through as every other charge on my account now is going to face a fee and will be declined. They have declined smaller charges on my account for insufficient funds but yet they allowed an unauthorized charge when I did not have the funds. I was denied a request to speak with a supervisor in the fraud department to address this issue regarding why they allowed this charge to go through.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS ON THERE THAT WERE ARE NOT MINE. REFER TO BELOW DISPUTED ACCOUNTS AND THE IDENTITY THEFT POLICE REPORT. 
PLEASE REFER TO ATTACHED XXXX  REPORT. PLEASE FOLLOW SUIT AND DELETE THESE ACCOUNTS FROM MY CREDIT FILE AS THEY ARE NOT MINE. THIS IS AN OBVIOUS CONTRADICTION SO PLEASE ADHERE TO THE FCRA LAWS. 
A XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS REGARDING THE GIVEN INFORMATION. THESE MAKE FIVE 30 DAY DEADLINE DATE VIOLATIONS UNDER FCRA GUIDELINES.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint against the consumer reporting agency Experian because they refuse to remove incorrect information that is listed on my credit report ; namely, an inaccurate address. According to 15 U.S. Code 1681i ( 5 ) ( i ) the bureau shall " promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; '' Furthermore, 15 U.S. Code 1681i ( 4 ) states, " In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. '' I have sent letters to Experian, XXXX and XXXX about incorrect personal information on my reports, and the only CRA to not remove the inaccurate address is Experian. I have contacted Experian about this particular address by mail a total of three ( 3 ) times. The first letter I mailed to the bureau was in XXXX. I no longer have a copy of this letter, but I am attaching the dispute results I received from Experian which include the report number assigned by Experian, and the date the report was generated. Along with this letter I sent a photo of my valid driver 's license and a bank statement as supporting documentation of the correct address. The screenshot also shows that all incorrect address information was removed from my credit report EXCEPT the inaccurate address of XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I sent a second letter for removal of ALL inaccurate personal information to Experian on XX/XX/XXXX, and I have attached a copy of that letter as well. The results of this dispute were the deletion of all inaccurate personal information except for the above referenced inaccurate address. The third letter I sent to Experian requested only the removal of the inaccurate address. It was mailed on XX/XX/XXXX, and I have attached a copy of that letter. In addition to a copy of my valid driver 's license and bank statement, I also provided a paycheck stub from my employer as additional documentation of the correct address. I have included attachments of all documents sent to Experian. After all these attempts Experian still refuses to remove this inaccurate address from my credit profile, which puts them in violation of the above mentioned FCRA regulations since they willfully refuse to remove inaccurate information from my report, as well as disregard the supporting documentation proving the correct address that should be listed on the credit report.