davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Please help us. I have a Walmart Credit Card. I opened it because I had no money and I am in wheelchair and no one wants to hire me. I needed computer to try to find a job. So two years ago I got a Walmart Card and I bought a Laptop for over {$1000.00} from Walmart. I got cheated and the computer broke three months after that and I am still paying for that computer. 

The Walmart Card is from Synchrony Bank. For two years I paid the bill on time and never late. Most often they do not even send you a bill, but I still remembered and paid it. 

Now, I live in XXXX, we had the Hurricane Harvey, I lost my apartment, my clothing and another old computer. I lost everything. Plus I had no shelter, no car, and no electric.weeks later when I was able to check my email, I did not find a Walmart bill,  and I was so ill that I was 5 days late paying it. But I had no reminder from them and no bill. 

Still they charged me {$27.00} late fee and now they destroyed my credit. 

Think about it. If they on purpose do not send a bill for JUST 1000 customers a years, than means they will make over {$270000.00} just profit. That does not include the high interest rate of 23 % on the credit card they collect each year. 

Please help! Do not allow to destroy my credit and give me back my {$27.00}. The {$27.00} I can eat with it. I have no money at all. 

Thank you very much XXXX
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX XXXX, I disputed an address and balance on my credit report. A background check was submitted for employment on XXXX XXXX, XXXX and the same incorrect address appeared several times. 

Due to this incorrect info, I was denied a application for housing. 
The address in dispute is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX, apt XXXX, XXXX XXXX I never resided at any of these addresses
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-08-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (NY)

I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
Consumer complaint received 2024-08-27
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-09-09
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. (CA)

When I was purchasing a vehicle in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit
Consumer complaint received 2017-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (FL)

Printed my credit report and noticed i had a bill for a medical debt. Wrote the 3rd party collector and asked them to valida te the debt .They sent a letter with a bill that includes my name and no proof. I have asked them to validate and verify the debt but all they did was send a itemized statement provided by the medical provider. A bill is not validation. It is hearsay. I need them to send me the contract I signed? Where is the full accounting? Where is the contract showing that you have been giving the right to collect on this alleged debt from the original creditor?
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed on my credit report medical bills that were placed on my files with XXXX, XXXX, and TransUnion that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.
Consumer complaint received 2017-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Incomm Holdings Inc. (AE)

On  XXXX   XXXX    XXXX  , I purchased a Reusable PayPal MyCash C ard ( PPMC  ), with a value of {$500.00}, for a {$3.00} purchase  fee. I visited paypal.com/cash, per the card instructions, to load the {$500.00} to my PayPal account. After entering the PPMC PIN and providing my PayPal account login credential s, the website returned a " My Cash Error  Code = 203 '' ( see atta chments ).     I immediately called the customer service number at  XXXX . The customer service representative  ( CSR ), op ened a ticket ( #  XXXX   XXXX  to have the issue investigated. The  CSR requ ested I send a photo of my driver license with th e PPMC,   and the purchase receipt to  XXXX  XXXX  XXXX  '. I sent the requested documentation on  XXXX   XXXX    XXXX  , asking for an email response with confirmation the email and attachments were successfully received. I did not receive a response.     From  XXXX   XXXX  through  XXXX   XXXX    XXXX    ( 11+ weeks ), I  ca lled PayPal at le ast 2 times per wee k ( ~25 times ) to  inquire about the status of my ticket.     The first response was the error could not be resolved and I would be issued a refund. The next set of  CSR respo nses was to refuse to send a refund check to an  XXXX   XXXX   XXXX   XXXX  ( AP O ) address, claiming PayPal does not ship to International addresses. I informed PayPal this is not th e first time I 've had this problem, and on the previous occurrence ( previous ticket #  XXXX  )  PayPal mai led a check to the very same address I provided for this ticket.     Sometime during the first week of  XXXX    XXXX  , a  CSR agreed that a refund would be issued and sent to my APO address. From that point to the  present, each time I inquire about the status of my ticket I receive the same response. " The refund is being processed and the check will be mailed  in 7-10 days.  '' By the end of  XXXX    XXXX  , no refund check had been sent and the CSRs stated, the "  Compliance  Department '' was responsible for issuing checks and this department can only be reached via email. Each  CSR apologized for the delay and stated they would send an email to the " Compliance Dep artment '' asking for them to send me an update on the status of the refund check. I never received any updates.     Beginning in  XXXX    XXXX  , I demanded to speak with a supervisor. I explained the delay and my frustrations with the unresponsiveness of the  " Compliance Department. '' The supervisor ( s ) told me they would send emails to the "    Compliance Department '' marking my ticket as " High Priority. ''  They also requested updates be sent to me via email. I was told this exact same thing, at least 6 times in the month of  XXXX . My refund check has not been sent and I have never received any updates.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-19
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. (KS)

XXXX and Trans Union have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date.
2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XX/XX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

Since I have got loans with navient. i have acumilated XXXX in intrest. I have had job the hole time I have been out of college. I did not start making a ok salary till 8 years after being in college. When I was makin XXXX dollars a hour first out of college there was no Income base repayment plan, if I had to pay rent I some times missed a payment. Now I have acumilated so much interest affecting me from being able buy a house navient / XXXX XXXX has made my life difficult for a very hard for me a working citizen When I got the loan for college I was told that college loans are the easiest to repay that is the farthest from the truth. When I was half way done with school I had to take a private loan to finish school or else I would have been kicked out of college.
Consumer complaint received 2017-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

my name is XXXX XXXX XXXX  residing in XXXX Ga. on the XXXX/XXXX/XXXX i sent money to my wife in XXXX, specifically to cross river state, XXXX. the amount was {$800.00}. through MONEYGRAM WITH THEIR AGENT, THE XXXX STORE AT XXXX XXXX XXXX XXXX, GA XXXX. THIS TRANSACTION HAS BEEN DONE ON A REGULAR BASIS, MONTHLY, AND THE MONEY WAS ALWAYS PAID AT XXXX XXXX  XXXX XXXX IN THE CITY OF XXXX. ON THIS PARTICULAR TRANSACTION, THE MONEY WAS NOT PAID TO MY WIFE WHEN SHE WAS IN THE BANK ON XXXX/XXXX/XXXX BECAUSE THIS TRANSACTION DID NOT EXIST AT ALL. THE CASHIER AT THE XXXX XXXX XXXX XXXXXXXX CALLED MONEYGRAM AND LEFT AN ERROR CODE WITH THEM. I THEN RUSHED ON THIS SAME DAY ( XXXX/XXXX/XXXX ) TO XXXX TO REPORT THE PROBLEM. I WAS TOLD THAT AN INVESTIGATION WAS STARTED THAT WOULD TAKE 90 DAYS TO RESOLVE. OVER THE COURSE OF THIS PERIOD I HAVE CALLED MONEYGRAM UP TO 40 TIMES FOR A RESOLVE WHICH THEY ALWAYS TOLD ME THAT THE CASE HAS BEEN RESOLVED BECAUSE MY WIFE HAD COLLECTED THE MONEY. I INSISTED THAT IT IS MY RIGHT TO KNOW THE LOCATION WHERE THE MONEY WAS PAID, WHAT BANK AND THE NAME OF THE CASHIER WHO PAID THE MONEY AND TO WHOM. JUST ABOUT LAST WEEK THEY NOW TOLD ME ON THE PHONE THAT THE MONEY WAS PAID TO MY WIFE 300 MILES AWAY FROM THE USUAL CITY, AND PAID FROM A BANK THAT MY WIFE THOSE NO HAVE AN ACCOUNT IN, AND THEY REFUSED TO GIVE THE NAME OF THE CASHIER THAT PAID THE MONEY OR TO SEND ME THE INFORMATION IN ITS ENTIRETY. THE MONEY THEY SAID WAS PAID FROM XXXX XXXX IN XXXX XXXX, IN THE CITY OF XXXX, THE ADDRESS BEING XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. MY WIFE IS 300 MILES AWAY. SHE IS IN XXXX XXXX. HER BANK IS XXXX XXXX XXXX XXXX AND THIS IS WHERE SHE USUALLY RECEIVES THIS MONEY ON A MONTHLY BASIS. I THEN PROVIDED MY WIFE WITH THE INFORMATION MONEYGRAM GAVE ME AND SHE CONFRONTED AN XXXX XXXX IN XXXX WHERE THEY TOLD HER TO GET THE NAME OF THE CASHIER WHO PAID THE MONEY AND THAT OF THE RECEIVER. THIS IS THE CRUX OF THE MATTER. MONEYGRAM HAS REFUSED TO GIVE ME THIS INFORMATION AND ALL THEY TELL ME IS THAT THE CASE HAS BEEN CLOSED. THEY LAUGH AT ME ON THE PHONE AND END CONVERSATIONS ABRUPTLY.PLEASE I NEED HELP TO RESOLVE THIS MATTER BECAUSE MY WIFE AND OUR XXXX CHILDREN ARE SUFFERING. MY PHONE # IS XXXX
Consumer complaint received 2017-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (MS)

My care was stolen on  XXXX / XXXX / XXXX  and when it was found on  XXXX / XXXX / XXXX  it was considered a total loss by the insurance  adjuster  with the insurance company  (   XXXX  ) .At the time of my lost I owed {$21000.00}. My insurance company  (   XXXX   )  paid {$11000.00} with left a balance of {$9000.00}. I purchased GAP protection  XXXX   XXXX . I received a letter in  XXXX   XXXX  stating that GAP will not be responsible for paying the remaining balance and that will be my responsibility. I called on several occasions t o Santander Financial trying to see what I need to do take care of this balance. I was instructed that there was nothing I could do but  pay this remaining balance. I called GAP with  XXXX  spoke with several adjusters and was informed because of the high interest, daily fees and late fees they have the right to deny paying off my remaining b alance. I spoke with one claim adjuster whom informed me to cancel my GAP claim ( which I did ) to lower my monthly payment. Canceling the GAP on the vehicle I no longer had did n't lower my payment. My financial agency ( Santander ) lowered my {$620.00} monthly note to {$450.00} a m onth with a daily interest of {$5.00} per day. Keep in mind, I am paying {$5.00} daily on a car I no longer have in my possession still till this day. The insurance company  (   XXXX   ) r equested all keys and to turn all rights of the vehicle over to them vi a UPS before prior paying a payment they was gon na pay to Santander. I sent everything via UPS as instructed to solve this matter. The insurance company (   XXXX   ) p aid Santander  XXXX / XXXX / XXXX . While waiting on the insurance company and GAP to pa y Santander, I was accumulating additional late fees with daily interest and penalties which affected my credit score tremendou sly while waiting to finalize the incident. As of  XXXX / XXXX / XXXX  the amount I now owe is {$10000.00}. Other words, I 'm stuck with a monthly note on a vehicle I do not own anymore that 's constantly accruing high interest rate and daily fees still this day. This is not fair nor what I signed up for when I purchased the GAP Protection and the  XXXX   XXXX . I need help resolving this issue. I was current on both my insurance and car note at the time of the incident.
Consumer complaint received 2017-09-09
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. (FL)

I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX XXXX onXX/XX/XXXX then I see another one from a XXXX XXXX XXXX also onXX/XX/XXXX and I see another one and XXXX XXXX alsoXX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.
Consumer complaint received 2017-09-09
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. (OH)

Equifax was hacked due to negligent security measures, and all of my personal information was stolen. I am now facing potential identity theft and all of my personal information could me made public on the internet, leaving my identity free to be stolen at any time for the rest of my life.
Consumer complaint received 2017-09-19
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. (NY)

Equifax had a data breach that compromised my information, but did not notify me or provide any adequate solutions. I found out through media reporting, and it is unfair that they have compromised such sensitive information with no compromise other than to create another account with them with no reassurance whatsoever.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Do you have any idea how stressful it is to be constantly worrying about your credit score? I have been thinking about how negatively this affected my life during emergencies, only to find out that there are errors and inaccuracies being reported on my credit file.