davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-26
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: SYNCHRONY FINANCIAL (CA)

SYNCHRONY FINANCIAL / GE Capital Retail Bank / Care Credit I had opened an account through my XXXX office with Care Credit in XXXX, I also co-signed for my wife 's account with for the same purpose at the same time. During the course of payments in XXXX GE posted pymts to my wife 's account, as opposed to mine, in the months of XXXX, XXXX & XXXX of XXXX. 

In XXXX of XXXX I spoke to them and they had in fact seen the error. I paid the account ( XXXX ) off in full XX/XX/XXXX to avoid any further issue. I was told by their rep, at that time, that I would receive a credit of XXXX for the late fees placed on the account due to their error ( which they applied on XX/XX/XXXX, and that the late payments showing on my credit report would be corrected. Actually, they said that the account would be bulls-eyed and that I should no longer see the account on my credit report after XX/XX/XXXX. I don't know what Bulls-eyed meant, but I was assured it would be corrected. The account had not been reported to the three major credit bureaus after that time as the last reporting was in XXXX. 

Unfortunately, after paying for credit monitering with XXXX, I noticed the account was still showing incorrectly on my credit reports and asked for an investigation. Now after 2 investigations, and a whole lot of the blame game and which entity is responsible ( I was told - call the creditor - no - call the credit bureau ). And after showing proof of my claim, I still can not get the information to get corrected and Synchrony Finanancial, whose rep 's have been extremly rude, and XXXX, whose rep 's seem to read off a pre-talking point memo, are refusing to correct the information. 

This is severely affecting, my otherwise, perfect credit, through no fault of my own.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

**This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

PayPal sent me an email on X/X/18 that said they were sending me an " Annual Error Resolution '' notice and how to proceed with handling errors or unauthorized charges on my account. I have not used PayPal for money transfers recently, so this was an alarming email to get ; I interpreted this email to indicate there may be identity theft or someone was using my account without authorization. They included a link to their website ; I tried finding answers on their website but it was not easy to use. I called several times, and finally had the option of leaving my number for a callback. When my cell phone rang it said the call was from XXXX NE, but when I answered the phone I did not understand what the other person was saying, but she did indicate she was in the XXXX. I believe this is a highly misleading business practice, and I have only become more concerned knowing that someone on the other side of the globe has access to my account information. I want PayPal to immediately close any accounts I have with them, delete any and all of my information and never contact me again for any reason. They need to be much more clear and upfront about exactly why they are sending emails, and if they are going to do business with Americans they need to get some American customer service so we can have trust in exactly who we are talking to and why. I am suspicious if PayPal was hacked and ID thieves have access to sensitive information?
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX I was made aware of the XXXX data breach and was given compensation and free credit reports for the credit bureaus. I have not been able to acquire any free credit reports nor unable to to log into TRANSUNION free service to dispute or follow up or my requests for removal. 

My consumer rights and privacy have been violated. 
I did not authorized these companies to pull my credit report. 
I want these removed immediately or I will sue for the lost time and headache dealing with this. I have attached an FTC Affidavit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-10-27
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. (WA)

Currently all three credit agencies XXXX, transunion, and XXXX   have on my account that I have had a real estate foreclosure. This is incorrect as I still own this property and the bank has not been able to successfully foreclose threw court. The mortgage has a lot of issues and is currently in legal proceedings. I find it that reporting I have a forecloser is purposely damaging my credit report. They have been asked to remove this from my report. Until they receive court documents from the state hawaii that verify in fact that this property has been foreclosed on this should not be on my record or listed as a forecloser. The court has not made a decision on this matter since being in court since XXXX till current. It is not the credit reporting agencies right to report false information due to the request of a third party and has for the last couple years adversely effected my credit score and credit decision and has cause damage to my credit worthiness. This matter has been brought before and asked to be removed and hasn't. This mortgage debit is also over seven years old and payment hasn't been made since XXXX due to banks failure to provide information on who payments where being made to and other issues outside of a credit reporting agencies business of reporting credit related items. This violates credit fairness and truth. That a third party having nothing to do with the mortgage and loan was allowed to make this request and it be included on my report.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-11
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. (CA)

I have multiple times have set up a dispute for items on my credit report with Equifax and XXXX regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1.  XXXX XXXX {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On Equifax & XXXX XXXX XXXX XXXX for {$2800.00} 4. XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police report.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (WI)

urchased a XXXX XXXX XXXX from XXXX XXXX with my auto loan going through their loan company XXXX AKA XXXX XXXX. On XXXX XXXX XXXX my neighbor hit my car while it was parked in our driveway. A claim was filled with her insurance company. 2 days after the car was hit the transmission started to slip. The next day it completely stop running. XXXX ( neighbors insurance carrier )  refused to cover the transmission damage if I could not find a mechanic who could verify that the transmission issue are due to the accident. I though this would be common sense since I 've had no issues with my car until it was hit. I brought the car to my dealership since they did the maintenance services and could verify that there had been no previous issues with the car and that that accident caused the transmission problems. They were not able to prove that the issues was due to the accident. A check was issued for the body damages in the amount of {$2000.00}. It was issued in both mine and the lien holder name. I voluntarily surrendered the car back to the lien holder as I did n't not have the money to fix the transmission. they wanted to take the insurance payment and apply it to my balance but I have refused to sign the check because I am still with out a car to drive. In XXXX XXXX sent me a letter advising that they had sold the car at an auction for {$300.00}. they continye to contact me asking me to sign over the check to them but I refused. The check eventually expired. On XXXX XXXX XXXX I received an email from XXXX stating that the check had been reissued. I called in and was told that XXXX requested that the check be reissued. The XXXX rep advised me that the request was originally denied until they could submit proof that they still owned the vehicle. Per XXXX XXXX sent them a title as proof. I called XXXX and spoke with XXXX who is the general manger and asked how they have a title if they sold the vehicle. XXXX stated that he did not know anything about the situation and that he would look into it and call me back. I never got a call back. I called and spoke with a XXXX who hung up in my face after I refused to get off the phone until she told me who XXXX supervisor was. I called back and spoke with a XXXX who told me they did n't have to provide me any information. I called back and left a voice mail on XXXX phone asking for proof of sell. I still have not received a response. Either they sent a invalid title to XXXX trying to collect the insurance money or they never sold my car. I can not get anyone there to talk to me.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion, XXXX and XXXX have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector that they illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not XXXX of the XXXX reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} XXXX company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have XXXX different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.
Consumer complaint received 2023-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX Balance : {$300.00} XXXX XXXX  Balance : {$24000.00}
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXXI purchased airline tickets to fly on XX/XX/XXXX with XXXX XXXX for {$810.00} using my Chase credit card. On XX/XX/XXXX I went ahead and disputed {$61.00} for a billing error made by the merchant. A few months went by and I called Chase to find out what 's happening with the dispute. I was informed that the merchant had not yet contacted Chase. I was advised by the representative to close down the dispute in order not to risk the tickets being canceled and to reopen post travel. I was assured this wo n't be an issue. On XX/XX/XXXX XXXX XXXX declared bankruptcy and canceled all future flights mine inclusive. On XX/XX/XXXX I contacted Chase to dispute the charge in full and I provided full documentation supporting the claim. My case was closed for no reason and reopened twice with Chase not providing any information for the reasoning of this not being dealt with. The last time the case was reopened was on XX/XX/XXXX. Today XX/XX/XXXX I was informed by Chase that my claim had been closed permanently on XX/XX/XXXX this time explaining that to much time went by since the purchase was made and I will be held accountable for the full amount of {$810.00}. Please can you help me with this as it 's highly unjust for me to have to pay this sum in vain as I never received any services or goods. The dispute case number is : XXXX.
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I got a Loan with GMAC 14 years ago for XXXX. After 7 years ocwen bought them out and I modified my loan. I am actually losing my house now to a short sale or worse foreclosure. We had a short sale set up and the 2nd, my equity line if XXXX decided to foreclose. The sale was set fir yesterday. However they cancelled the sale and now I think the short sale will take place. But ocwen has said my payoff after all these years of paying is {$610000.00}. The original amount of my loan. Please excuse my ignorance but I do n't know what to do. I 've called them at least 20 times and they always say I 'm right, this does n't make sense. Then they transfer me. I never get anywhere.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I  have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit
Consumer complaint received 2018-01-10
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. (MS)

TransUnion and XXXX XXXX XXXX was sent an initial dispute letter in XXXX 2017 of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being delivered certified by mail letters in which XXXX XXXX never responded and TransUnion claimed to do an investigation and stated information was verified and updated. After asking for a reinvestigation from TransUnion and demanding for detailed documentation of an original signed contract and the persons first and last name of whom TransUnion spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps TransUnion took to investigate this collection, in return all I keep getting from TransUnion is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me 3 ) Last Payment Date listed as XXXX/XXXX/2017 is inaccurate and does n't exist. 4 ) Listed as an open account. TransUnion has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I requested an interest rate reduction from the credit card company for the 2 credit cards I have from Capital One.They put me on hold said no and I asked for a supervisor. I then was told no again and I had to do a few things in order to request an interest rate reduction successfully. 1. Continue to pay on time, 2. pay more than the minimum amount due, 3. Reduce my overall debt with both cards and 4. Increase my credit score ( XXXX XXXX XXXX ). The supervisor apologized because she saw my loyalty, on time payments and offered me a {$50.00} credit on one of my cards. This can been seen on my statement. 

I then did as was recommended, called back Monday, XX/XX/XXXX and told the cust service rep the situation she transferred me to a supervisor, she said they do n't do that and we got " disconnected ' or what seemed a hang up to me. I called again did the same procedure this sime spoke to another supervisor she also said no and they would not have told me to do the above instructions of give a credit. I told her to check the statement and she said " it does n't matter whether it 's true, we do n't do that ''. And they only offer interest reduction occasionally as offers and I have to keep checking. So basically, never. I checked online and saw many others had the same issue. I feel lied to and mistreated by them. I want the interest rate reduced and of course an apology for misinformation and being hung up on.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX last 4 of my SSN are XXXX date of birthXX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. Experian needs to get proof this is my judgment or remove from my credit