davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to dispute several items on my credit report that contain errors and inaccuracies. Specifically, I am concerned about the following violations : Incorrect personal information : My name is XXXX XXXX XXXX, and my name is incorrectly listed as XXXX XXXX XXXX on my credit report. 

Incorrect personal information : My previous address is listed incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Incorrect personal information : Another previous address is listed as XXXX XXXX XXXX XXXX XXXX, TX XXXX, which is also incorrect. 

Unauthorized inquiries : I did not authorize the following inquiries on my credit report : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX XXXX 

Inaccurate account information : Several accounts on my credit report contain incorrect information, including an incorrect high balance, an inaccurate date of last activity, re-aged accounts, a charge off listed as open, and a collection account with a limit. These errors are present in the following accounts : XXXX with account number XXXX, XXXX with account number XXXX, XXXX  with account number XXXX, and XXXX with account number XXXX. 

I want to emphasize how important it is for these errors to be corrected as soon as possible. My credit report is essential for many aspects of my life, including obtaining loans, renting an apartment, and even applying for certain jobs. The inaccuracies in my report are preventing me from achieving my financial goals and negatively impacting my life. 

In addition to the inaccuracies and errors mentioned above, I also want to share a personal story of how this has affected my life. Last year, I applied for a loan to purchase a car, and my application was denied because of the errors on my credit report. As a single mother who commutes long distances to work, having a reliable car is essential for me to support my family. Not being able to obtain the loan and purchase the car I needed was a significant setback for me and my family. 

Therefore, I am requesting that you enforce the legal obligation of the creditor to provide accurate and verifiable information on my credit report. I also want to request that you remove the unverified accounts mentioned above from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (GA)

There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from XXXX reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from XXXX that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.
Consumer complaint received 2023-05-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to Transunion regarding incorrect information being reported. They asked me to provide proof of the incorrect informtion. I provided that. They responded the inforamtion they reported is verified to be correct. Even tho the address is not correct they still refused stating the source verified the address was correct. So i reached out to the source and asked them to provide me the information transunion paid for and just as I thought the address is not mine. I followed up again with transuion and this time I was told to contact CFPB. 

Attached is the letter i sent DL Prooff of residency SS card Document from source listing the incorrect information Response 's from Transunion for the few times I disputed the information
Consumer complaint received 2023-05-10
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. (FL)

I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. Can you please clear this up as quickly as possible.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There are serveral accounts and inquires that I didnt initate. One of being XXXX XXXXXXXX XXXX XXXX this debt is NOT MINE I have never had a bill like that and have not paid it. The account XXXX XXXX XXXX XXXXXXXX is indeed a fraudulent collection account. The following are inquires for credit that I didnt apply. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. All Of the accounts, inquires listed above are not mine and I DID NOT APPLY FOR CREDIT ETC. AT ANY OF THESE ESTABLISHMENTS.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

I applied for a Lowe 's Credit Card to use for a few home remodeling projects. I made my payments, always on time, and I opened an online account to monitor my account balance, purchases and payments. Just recently, I noticed that my payments were either being applied late or were not be applied at all. And this was after I had made payments at the place of purchase using a debit card. Because of these concerns, I cancelled my XXXX 's card. I can still access my XXXX 's account online, which has a link to the Synchrony Bank, where I believe the problem exists. I honestly believe that Synchrony Bank may be purposely trying to deceive customers by not being more transparent. My Synchrony account online, does not reflect a complete ledger of payments, purchases and balances on the same page. As a customer, I have to manipulate through several pages online in order to figure out which payments have been received, what purchases have been made, and what the current overall balance is on my account. Synchrony too, is deliberately waiting several days before applying my payments to my account and in doing so increases the amount of interest payments I am forced to make. Over the past two months I have made three separate payments to my account, but as of today, only one payment is reflected in my account balance. When I called Synchrony Bank recently to complain about their online ledger format, the operator told me that there was nothing she could do. Please understand that Synchrony Bank, which provides credit card services to XXXX, is not being transparent to XXXX customers and may be purposely deceptive in their business practices. I feel quite certain that all of my payments are not being applied by Synchrony Bank to my XXXX account and that Synchrony Bank is deliberately hiding all of my transaction history, based on their online ledger format which actively hides or confuses purchases, payments and account balances, which are deliberately kept on separate online pages and makes no sense to customers who are actively trying to monitor our accounts. It is bad enough that Synchrony Bank charges predatory interest rates, but their way of doing business is horrible, if not inherently dishonest. I have other online banking accounts, and their formats are easy to understand, where I have all the information I need, on XXXX page, to monitor my account, but Synchrony Bank is the only banking organization that is actively concealing account information and thus deceiving customers. 

Respectfully, XXXX XXXX XXXX XXXX, Missouri
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

Helvey and Associates are harassing me for an unverified debt of {$340.00}. Helvey and Associates flagged my credit files with unverified information and have damaged my credit scores. Helvey and Associates are debt collectors demanding a debt on behalf of XXXX XXXX of the XXXX. 
I have not received goods or services from Helvey and Associates. I am formerly requesting XXXX XXXX of the XXXX to provide contractual agreements stating the exchange of goods or services to me ; along with a permissible purpose to Helvey and Associates releasing my private information. 
Present contractual agreements supporting Helvey and Associates and I have agreed to honorably conduct business. I do not agree to pay/tender anything to Helvey and Associates on behalf of XXXX XXXX of the XXXX. 
As of XX/XX/2023, Helvey and Associates received a validation notice via certified mail and have not replied. Helvey and Associates do not have a permissible purpose to contact me in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. 
I am not a party to current/past agreements Helvey and Associates may or may not have with XXXX XXXX of the XXXX I am not responsible for Helvey and Associates purchase / transfer from XXXX XXXX of the XXXX I have not agreed to pay/tender anything to Helvey and Associates . 
I have contacted XXXX XXXX of the XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Helvey and Associates.

Helvey and Associates do not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me.

Helvey and Associates reply outside of the XXXX XXXX, must be delivered via the XXXX postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. 
Helvey and Associates., are not Holders in XXXX XXXX with contractual agreements to support goods or services provided to me. 

All calls are recorded for my safety. Kindly Cease and Desist.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (OH)

I submitted a dispute to Experian. I have two department of education student loan accounts. These were paid off with the Public Service Loan Forgiveness program in XX/XX/XXXX but the company servicing my loan went defunct. When my loans ( with {$0.00} balance ) were transferred to XXXX, they were still listed on my credit report as having balances. I tried multiple times to get XXXX to report this to Experian, XXXX, and XXXX ; they did not. 

So I went the route of disputing these two loans with each of the three reporting agencies ( so XXXX in all ). Five of the accounts are now correct on my credit reports : account closed, paid in full, {$0.00} balance. ONE balance remains on Experian ( {$47000.00} ). This is NOT correct -- the account was paid in full, the balance is {$0.00} ; yet this is still being calculated in my total debt. 

I submitted a dispute with Experian. I received the results on XX/XX/XXXX. However, they only removed one of the two student loans. I submitted documentation again showing {$0.00} balances on my XXXX student loans, but on XX/XX/XXXX they came back saying they rejected the dispute because I submitted the same documentation. Well, yeah, I did because they didn't make it right the first time with that documentation that clearly shows a {$0.00} balance. 

Finally, there is no way to get in touch with Experian. The numbers they provide for contact information if you need further help do not work. There is no way to connect to a real person or the recording says they are not able to take calls right now. Yes, I am calling during their business hours. 

XXXX and XXXX got this right -- Experian needs to do the same.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Sent a wire transfer on XX/XX/2023 for {$4800.00}. 
Cancelled the transfer on XX/XX/2023 thru BOA Customer Service that afternoon. 
Was told that the transaction was cancelled and there would be a {$25.00} service fee charged back to my account. To me this was a confirmation that the transaction was cancelled as requested. 
Called on XX/XX/2023 and was told it would take a few days for the money to be returned. 
Called on XX/XX/2023 and was told it take 4 to 5 days for the money settle. 
Called on XX/XX/2023 and was told that there is no time frame. 
Called on XXXX and was given the XXXX XXXX  phone # and was told to call them Called XXXX and they could not give me any information. 
Called back on XX/XX/2023 and was told that the case was being escalated. 
Called back on XX/XX/2023 and was told that my initial call to customer service was not correct. The initial associate should have told me that nothing was guaranteed. This was told to me by Supervisor XXXX, she told me the Compliance Department would call me by XXXX that day. No one called. 
Called back on XX/XX/2023 and requested that Compliance call me. 
As of today, no results.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Called CapitalOne today and spoke with a Rep name XXXX ID # XXXX and asked for any proof that this is my account. Stated that I need to fill out another fraud form ( which I have done on three different times over the 4years been dealing with these issues. In their last letter which I have attached stated that they investigated, ( The contact information used to open the account ( listed below ), has been linked to you by public records : XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX ) Which I never lived there and never had this phone number.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (OH)

XXXX : I opened a 24 months 0 % interest account was XXXX in XX/XX/2022 for a XXXX present I was buying. Two payments were paid directly XXXX from my bank for XXXX and XXXX and then suddenly in XXXX they stopped making the auto withdrawals. Nothing was changed with my banking and nothing was changed in the portal with them for payment. This was a glitch through their system. I was never informed that the payments were late or that the payments were stopped from withdrawal standpoint, and noticed on the account was already 60 days past due that there was an issue on their end.
Consumer complaint received 2023-05-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-11
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. (FL)

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. 

Account name : XXXX XXXX XXXX  - account number : XXXX Account name : XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Account name : XXXX XXXX XXXX These accounts have violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 for 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 2017-11-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (NV)

I went into the store on Friday, XX/XX/XXXX and informed the manager that I would not be able to make the proper payments for my loans and needed to set up a payment. She said that the store does not allow payment plans unless in default of your loan. I asked how long that takes and she said I would have to wait no less than 30 days after the day of my first missed payment in order be considered in default status of my loan. She said she turned off automatic payments for my loans and to call customer service to follow up with setting up payments. On Saturday, XX/XX/XXXX I spoke with Customer Service and confirmed that automatic payments were no longer being authorized, which was on a recorded line. I told them that I come into the store to make a partial payment of {$25.00}. They told me that collection calls will continue. They attempt money from one of my bank accounts without my consent, which is clearly an FDCPA violation and breaking anti-trust laws. If they continue to break the law and violate such regulations I will be forced to take this to proper authorities and file sanctions against this company. It is always breaking the law when charging a persons account without their consent. If they want this debt to eventually be settled, then will stop attempting to charge my account without my consent. I still have yet to speak with any district level management or regional management to settle this dispute in very diplomatic way, but to no avail. I do not wish or have any intentions to taint or tarnish this companies name in any way, shape, or form. However, I am only trying to set up a form of payment schedule to pay my debt off as fast as possible.