davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
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: SYNCHRONY FINANCIAL (FL)

I had taken opened a credit account with SYNCRONY BANK / CARE CREDIT for the purpose of having a dental implant done at XXXX XXXX XXXX XXXX XXXX   with the owner and practitioner XXXX XXXX XXXX. I made one agreed upon purchase with the CARE CREDIT card for {$2200.00} which was for a complete implant procedure. XXXX XXXX would tell me that I needed additional procedures to continue with the XXXX  only after the original charge was made. He charged for " XXXX XXXX '' which was only a XXXX. XXXX  XXXX placed my XXXX  incorrectly, removed it, charged me {$500.00} for a XXXX XXXX, replaced the XXXX  and told me he needed an additional {$1700.00} to complete the procedure with the XXXX  and XXXX. I called CARE CREDIT and disputed the transaction as I no longer trusted or had confidence in XXXX XXXX. He was also refusing to finish the procedure for the agreed upon price. CARE CREDIT investigated my dispute and released the dispute in the doctors favor citing a patient ledger XXXX XXXXI sent them stating that he completely finished the procedure including XXXX and XXXX. I never received an XXXX  or XXXX. XXXX XXXXI did not finish the procedure and sent CARE CREDIT a falsified ledger showing that he did. CARE CREDIT told me there was nothing I could do about it. My credit is ruined, I have been XXXX  on by XXXX XXXX numerous times with bad results and no completed XXXX XXXX.
Consumer complaint received 2019-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I have submit the CFPB complaint XXXX-XXXX  to request the evidence. 
However, XXXX XXXX XXXX Director Customer Service Freedom Mortgage Corporation said " We have reviewed your complaint and researched the issue regarding your request for documentation. Since you are in litigation with a third party, we would need a subpoena from you before we can release the requested information ''. 
So I filed a subpoena and use process server to served. 
However, till now neither the court clerk nor I received the documents. 

Thanks a lot XXXX XXXX
Consumer complaint received 2024-09-11
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. (FL)

I have disputed the following accounts with the credit bureaus, they are the product of identity theft, I have already provided an FTC report to the bureaus, I have called the creditors directly but they have not provided me any documents proving that I applied with them. The items in question, account number, balance and date they were open are as follows : XXXX XXXX {$3000.00} XX/XX/XXXX XXXX- XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX {$740.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX {$2600.00} XX/XX/XXXX XXXX- XXXX {$580.00} XX/XX/XXXX XXXX- XXXX {$740.00} XX/XX/XXXX XXXX- XXXX {$7100.00} XX/XX/XXXX XXXX- XXXX {$2700.00} XX/XX/XXXX XXXX- XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX- XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-09-11
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. (GA)

To whom may concern : I am a XXXX XXXX XXXX XXXX the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Fraudulent Accounts : XXXXXXXX XXXX  - # XXXX - {$1900.00} XXXX XXXX - # XXXX - {$50000.00} XXXX - # XXXX - {$10000.00} Thank You
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Between XXXX and XXXX, and on numerous occasions, I was pushed towards refinancing options that would have eliminated my rights as a federal student loan holder. 

Navient suggested that refinancing all my student loans to one " average rate '' would save me money, which is simply not true. I fortunately did not pursue this option, because I learned that I would no longer be eligible for forebearance or deferment of my loan. 

I feel the need to report this misleading practice because Navient may target other unsuspecting young individuals in a scummy attempt to line their pockets with more money.
Consumer complaint received 2024-09-05
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX Balance : {$30.00} XXXX XXXX  XXXX XXXX : {$76.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-01-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau Equifax, XXXX, and XXXX. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my XXXX   account and they refused. This is causing major issues in my personal life and need these items removed immediately.
Consumer complaint received 2024-09-11
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-05
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. Please update my address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to XXXX XXXX XXXX My only social security number is My only correct date of birth is My only employer is N/A I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, Enclosed is my Drivers License and Proof of Resident.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2021-01-15
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I chatted with HSBC on XX/XX/XXXX around XXXX GMT, asking them to close my account and refund the remaining {$1.00} in the account via check. The agent on chat agreed to do this, and the chat ended. 

On XX/XX/XXXX, I realised I still had not received my check for the balance and logged in to see what the deal was. My account showed as still open, and had a {$15.00} " account maintenance fee '' charged against it, putting me in a - {$14.00} balance. I chatted with another HSBC rep on  XX/XX/XXXX at XXXX GMT telling them to fix the negative balance, close my account, and refund the {$1.00} that was supposed to be left in there. 

The rep assured me they would and it would all be completed in 7-10 days. I logged back in on XX/XX/XXXX around XXXX EST, and found the account STILL open, with a negative balance. 

I have had it with HSBC. They are not abiding by my wishes to close my account, charging me invalid fees, and holding my remaining money hostage.
Consumer complaint received 2024-09-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx, XXXX Dear Debt Collector, I recently received a debt collector notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information.

1. The name and address of the original creditor and current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. 
I dispute your right to do so. 

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2019-01-14
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. (IL)

After not being able to resolve my issue with Experian, regarding my credit score, I submitted a complaint via the CFPB. Experian did respond, but with a generic letter confirming my score should NOT have been impacted. Please review my previous complaint, along with the feedback notes. Since the " rules of what does not impact a credit score '' clearly states " where I live '' ( I have lived at the same address 10 years ) should not impact my score and nothing has changed other than paying my bills on time, my score should have been corrected accordingly. I spoke to a CFPB representative after seeing the response and she agreed I should resubmit, since Experian has verified my score should not have been impacted, yet failed to correct the matter.
Consumer complaint received 2019-01-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

I am XXXX XXXX, I did wir transfer from my account in XXXX XXXX XXXX to buy car from a company in USA this company has an Account in Wells Fargo bank I transferred money to them account but they was not trust so I called my bank to cancel the operation and they did request that but Wells Fargo not accept until this day I did receive my money or the car now it is 3 year just trying to do anything to return my money please help me please I am in bad and I have XXXX children. 
Best regards XXXX
Consumer complaint received 2024-09-11
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. (NY)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 record of conventions 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-11
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)

Today, as I was checking my credit report XXXX cant help but notice that there's an inquiry in it that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc. (OK)

In XX/XX/XXXX I contacted XXXX XXXX XXXX to close my credit card account. I received the attached letter confirming this request also in XXXX. I always check my accounts to ensure they were closed so in XXXX I saw the account was not closed and contacted them by phone, I do so again in XXXX and again in XXXX. I finally wrote an e-mail and received the attached response that the account was closed in XXXX and yet today I logged in and found the below ( please notice the XXXX XXXX date of today : Welcome, XXXX! Thanks so much for being our customer! Update your account, track orders, make payments and more right here, anytime you want. 
XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/XXXX Available Limit {$1300.00} Balance {$0.00} Credit Limit {$1300.00} I want the account closed with no credit limit. I simply do not understand their failure to so after repeated requests and continually telling me the account has been closed. See attached letter and e-mail. This is a travesty and increases the chance that someone could get hold of this account and commit fraud. XXXX XXXX