davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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. (TX)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I just discovered that I have been charged for a monthly subscription ( {$24.00} ) from Transunion that I never signed up for! This has been going on for months, every XXXX of the month.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/year> I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-17
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)

Account name XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$2200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$10000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$800.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$670.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$450.00} written off. 
Important note Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$680.00} written off.
Consumer complaint received 2023-02-17
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. (WI)

On XX/XX/2023 I requested a free copy of my credit report at XXXX, upon receiving this report, I noticed quite a few addresses amongst other that were either outdated or places that I have never lived. I contacted XXXX and Experian to address these matters. XXXX basically indicated they won't remove and/or update the information as it was reported to them and I should contact the companies that provided the invalid and/or inaccurate information. I did advise the agent that according to the FCRA my rights are being violated by them reporting invalid and inaccurate information. I also attempted to resolve the matter by submitting dispute requests on both bureaus websites only to receive information either the same day or next day that the information was verified or updated. In such case I am unsure how an address that I have never resided could be updated or verified.
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 — Investigation took more than 30 days
Company: EQUIFAX, 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-02-17
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Disputed final bill amount with XXXX XXXX, for a service activated in XXXX 2015 and cancelled at the end of XXXX 2015 for not providing the services that were promised. This was simply 'bait and switch ' tactic!! 
Contacted XXXX on social media to settle the account. Also sent email to technician that set up the account. XXXX sent a general response but no follow up. 
Supplied evidence to XXXX collection agency on XXXX XXXX with email/ complaint on social media etc. advising them the account was in dispute. 
Supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. That was rejected. 
This is unfair and I should not be penalized for services not provided. I am still willing to resolve this matter. I will not pay for the services not provided to me. 
Thank you
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act DPT ED/XXXX # XXXX, # XXXX and # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act DPT ED/XXXX # XXXX, # XXXX and # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act DPT EDXXXX # XXXX, # XXXX and # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act DPT EDXXXX # XXXX, # XXXX and # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, # XXXX and # XXXX has violated my rights. 

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
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been paying this student loan for years. Last year I reacached out to XXXX to inform them that due to financial difficulties I would like to request my due date chaged to the XXXX of each month since I was an educator and the date of my check was the XXXX of each month. The agent informed me that they can't do the XXXX but they was able to do the XXXX, I said perfect. I have made my payments on the XXXX of every month since the event as agreed. There were months where 2 payments were made. 

XXXX has caused significant damage to my credit report by reporting my payments late and charging a late fee. The payments were never 30-days late but they illegally reported my account as late/deliquent. As a result of this I was unable to help my daughter obtain a parent plus loan to continue her education. This is unfair to me and my family as the damages are setting my family behind.
Consumer complaint received 2017-01-03
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION (CA)

Today I received a call from a lady at an agency who claims they were hired by Check N Go to notify that I had defaulted on a load. The agency number is XXXX. She said the loan was established on XX/XX/XXXX and charged off on XX/XX/XXXX. I can say without a shadow of a doubt that I did not apply for said loan. I have the XXXX app and to date this loan has never appeared.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : CFPB Case XXXX CreditAccount Number Ending in XXXX XXXX XXXX : On behalf of Synchrony Bank, I am responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ) . I appreciate you bringing this matter to my attention.I sincerely regret any dissatisfaction this matter may have caused you. Your concerns are important to us, and we strive to serve our customers in a timely and satisfactory manner. Synchrony Bank has complied with the terms of the PayPal Credit account. Therefore, your request fordebt forgiveness has been denied.The last payment Synchrony Bank received was on XX/XX/XXXX for {$13.00}. On XX/XX/XXXX, your PayPal Credit account was charged off as a loss in the amount of $ XXXX a result of non-payment. We understand certain circumstances may prevent our accountholders from fulfilling their minimum payment obligations. Additionally, we remain compassionate and understanding to the needs of our customers, and we will work with you directly in order to resolve your financial situation. If you wish to discuss customer assistance plans available to you, please contact our recovery department at ( XXXX ) XXXX.Alternatively, you may also have the option of utilizing a consumer credit counseling service ( CCCS ) . A CCCS is a non-profit community organization supported by voluntary contributions made by participating area businesses. A CCCS helps consumers who need advice on how to handle money, develop a budget or use credit wisely. These services are strictly confidential. CCCS counselors are professionals trained to help people deal with consumer credit problems. Customers can locate the nearest CCCS office by calling ( XXXX ) XXXX or visiting XXXX you for the opportunity to respond to your concernsraised through the CFPB. If you have additional questions regarding this matter, contact me at ( XXXX ) XXXX, extension XXXX. I welcome the opportunity to assist you.Respectfully, XXXX XXXX Senior XXXX Corporate ConsumerRelationsSynchrony BankAttn : IID XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Consumer Financial Protection Bureau
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NE)

Syncrony has single handedly destroyed my credit. i had a pay pal mastercard from syncrony, disputed an obvious duplicate charge, two mos later i paid this card in full to a XXXX balance. this same day they did a chargeback of 150 and closed my account. i had never been late on a payment but i requested paper copies of all my statements when i paid off the balance, they were never sent of course and have tried several dozen times to contact syncrony but none of their cs reps can do anything with a closed acct, which now has a balance of 577 due to all the penalty fees they continue adding after it was closed. then they sent mye to collections and i was hopeful it would be resolved. The man investigated what i told him had happened and i got a letter from him to call but when i called the collection company yesterday i was informed they no longer could help me and said syncrony had recalled my debt due to error so i could contact them..it is impossible to speak to anyone who has any knowledge or authority at syncrony,. every phone call is an hour long and all they do is give u a different phone number to call and same person answers. this morning i got XXXX  notification they are now reporting a new delinquent acct on my report. im very upset. this is the only company i have issues with and every acct i have with them is terribly wrong
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BHA Services (NY)

On XX/XX/23 I received a text message from phone number XXXX. The message indicated XXXX XXXX from BHA Services was contacting me about a debt. I texted back with a message not to text my number anymore. The person texted back and asked if they were speaking to XXXX XXXX. I texted back and stated again not to text my phone number and the next time I would file an official complaint. The person texted back again and asked if they were speaking to XXXX XXXX. I texted back to let the person know I'd now be filing a complaint. The person texted me back again and asked if they were speaking to XXXX XXXX. I attached a screenshot of the conversation.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (CT)

It is showing I am late on my student loans. I have not been late. It also has 4 closed accounts under dept of ed/XXXX  I do not know who this account is. I did try calling XXXX XXXX, and they directed me to Mohela whom said I would have to speak with XXXX and could not assist me.
Consumer complaint received 2023-02-17
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. (OH)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 2023-02-17
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. (NJ)

I am a victim of identity theft and Im writing to you LET YOU KNOW THEY ARE NOT TAKING MY DISPUTES SERIOUSLY! Dispute the fraudulent accounts in my file that I did not make or authorize. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 2017-01-17
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (AR)

In XX/XX/XXXX my husband, a veteran, passed away. We shared a home together in which he was the only person on the Note for the home, I was just on the deed. This is a VA home loan. Last XX/XX/XXXX the home foreclosed and went to auction. Since I had never opened his estate and was never on the note I allowed the property to foreclose because without opening his estate I could n't do a deed in lieu of foreclosure. XXXX the lender would never speak with me concerning the loan because I was not authorized on the account. XX/XX/XXXX I got a notification on my credit check monitor that a foreclosure had hit my credit report when the loan itself was never even on my credit. After contacting XXXX XXXX, the debt collection agency, they had deemed this an error and told me that they would expedite the process of removing it from my credit. After two weeks I followed up and XXXX XXXX told me that another company had reported it to my credit, Dovenmeuhle. XXXX XXXX explained to me that their research team had sent information to this company 's research department. After contacting Dovenmeuhle and them refusing to give me any information on how or WHY it is on my credit I felt at a loss. I finally reached out to XXXX who said they would look into the issue, but because I was not authorized on the account that they could only give me limited information, but would look into the issue and get back with me by Friday XX/XX/XXXX. Why is it reporting to my credit? I feel this is an error, however I can not get anyone to explain anything to me. If I had " assumed '' the loan how could I have not been contacted in this process? And if in fact I assumed the loan, how am I still not authorized to speak to anyone regarding the account? This has been an ongoing issue for the past year and a half and not only is truly affecting my life, it has taken a huge emotional toll on me. I can not get anything accomplished without proper communication.