davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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. (VA)

On XX/XX/XXXX I send a letter to the credit company 's standing that my bankruptcy was placed on my credit, not by the courts, and need to be removed. The letter attached from the US court stating they do not report to the credit companies.
Consumer complaint received 2021-05-17
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. (TX)

I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Consumer complaint received 2024-08-23
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 2021-05-18
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.
Consumer complaint received 2021-05-18
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Finance of America Holdings LLC (TX)

Finance of America loan # XXXX for XXXX XXXX My Father passed away on XX/XX/2021. We have been trying to contact these people for over 1 month, only to be put on hold. and no one answers. We have emailed them the death certificate, affidavidat of heirship. listing agreement, and Letter off intent, etc. per their certified letter stating we have 30 days from XX/XX/XXXX, ( XXXX XXXX ) to cure the default, or foreclosure. Their Phone number ( good luck ) is XXXX, and their fax number is XXXX. We just want to know if all the information is received, if they need more information, and when we could get any answers from them or HUD. The house is listed to be sold, but obviously we need more time to sell, collect funds, and pay them off. It should be noted that the letter was sent on XX/XX/XXXX and did not not even get received by us until several days later. Once again, If have tried to get someone to return my call at three different email addresses, and even XXXX XXXX, the original salesman, at XXXX. All have not called back! Please, please, get these people to respond Thank you, XXXX XXXX XXXX, email XXXX XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (TX)

Prior to XX/XX/2019, I cancelled our XXXX account, this was over the phone. I was about to have surgery & knew that I would be at home recuperating for an extended time & wanted to have more choices along with Internet. We paid the final bill off & thought all was O.K. A month or so later we received another bill & thought maybe we had not received a final bill. we paid it & now we are receiving another bill. 
We have spoken with them numerous times with multiple representatives, and have been assured that this would be corrected.
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (IL)

XXXX erroneously charged me an amount after instructing me NOT to pay it. They then sent the debt to a collection agency. I have a chat transcript with XXXX instructing me not to pay the amount. 

I opened a dispute with AFNI ( the collection agency XXXX and provided documentation. I have paid this amount in full to avoid credit complications and await a refund from the collection agency. 

In the meantime, this error is now damaging my credit. This is the result of XXXX 's error and I need it removed from my credit. I'd also like a refund from XXXX or the collection agency.
Consumer complaint received 2021-05-17
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: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX, 2019 ( 2 yrs, 1 mos ) I did not do this 2 years ago
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I used XXXX to send money to my sister in XXXX on XX/XX/XXXX. Money was not delivered as of XX/XX/XXXX. I filed multiple complaints with XXXX  and every time they come up with new excuse and ask me to wait. Please resolve this as money is urgently needed in XXXX to to COVID impact ( food and medicines )
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MA)

Hi XXXX ; XXXX confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Louisiana Recovery Services Inc. (TX)

I just went back to work, and a debt was sent to Louisiana Recovery to collect said debt. Theyve repeatedly called my phone after I ask them not to, and they have used abusive language and ive asked them to cease further phone calls. They told me they will keep calling until I pay my debt. Then hung up on me.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OH)

No action to restore my JCP store credit card has been taken to date ( XX/XX/XXXX ). 

Synchrony Bank sent me an upgraded store credit card to include MasterCard services without my request or consent. I confirmed ( XXXX ) with a Synchrony Bank supervisor that JCP store card holders are randomly selected to receive MasterCard services and new cards are automatically sent without request. Synchrony Bank does this because the MasterCard is rarely offered in the store, according to the supervisor I was speaking with on XX/XX/XXXX. I explained that I thought what I received was a replacement card for my store card and wanted master card canceled and the store card credit account restored. Synchrony informed me that because the card was activated, this was no longer possible at the time of the request. I would have to go into the store and re-apply for the store credit card. This was unsatisfactory to me because the store credit card won't issue a new card for up to 1 year after closing the store credit account - which is what happens with the JCP MasterCard authorization I did in error thinking it was just a replacement card for the store credit card. The account numbers between store credit card and JCP Mastercard services addition remain the same account numbers, which is why we think I thought I just got a replacement card, when in fact JCP Mastercard is opened when we activate the unsolicited card. They will need to look at the account history closely because a replacement card was issued after the switch to include MasterCard occurred in XXXX due to removal of an authorized signer that required I report the card lost/stolen to get a new account number. They need to review the XXXX card history.
Consumer complaint received 2024-11-15
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)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2021-05-18
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: CITIBANK, N.A. (NJ)

I have made a purchase at Best Buy for new computer, it was not working, I returned computer to a store and was issued credit, but that credit was never applied to my credit card. I have contacted Citi Bank numerous time, they issued the best buy card and was denied credit, despite I have a credit slip from store.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Facts : 1. In XX/XX/XXXX, I was displaced from my Chicago home because of COVIDs global pandemic. 
2. As a result, I was not receiving statements therefore, I was not able to keep an eye on the details of the statement. 
3. Three purchases were made under my account. 
a. Exhibit A i. XX/XX/XXXX two queens for {$980.00} 1. 12-month promotional purchase b. Exhibit B i. XXXX King size mattress for {$1000.00} 1. 6-months promotional purchase ( amount financed XXXX ) 2. This purchase was returned to the store for a defective item. 
c. Exhibit B i. XXXX- New King size mattress for {$1800.00} + Tax - 1. 18- month promotional purchase ( amount financed XXXX ) 2. This purchase was not correctly calculated as it kept the balance for the return on six months promotional and applied this amount to the new purchase. This is incorrect. 
4. Exhibit C The disproportionate impact on me from Covids Global Pandemic created hardship to minorities and a negative financial situation. There are clear and improper accounting errors made with the returned purchase which created the issue where more funds were applied towards a shorter expiration on the promotional offer and less towards the longer one. I wish the email would have read Promotional expiring shortly. But it does not! 
5. Exhibit D Since the payment was being made automatically, it continued to accrued interest and literally taking my limited funds during this very unfortunate time, due to Covid, on minorities as myself.

6. Exhibit E I caught the issue when I added an account and received the new bill at my new address. I uncovered this issue and called to ask for a full return of my disproportionate impact this is having on me as a XXXX 
7. Exhibit F I politely request a full refund as it could be viewed as a predatory lending practice to charge {$440.00} on a {$200.00} balance. 

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2021-05-17
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. (MA)

XXXX XXXX XXXX reflected on report was deleted due to identity theft. Account was later resubmitted without my knowledge or consent. I then resubmitted identity theft documents and TransUnion is refusing to block the entry from report bearing my Social Security XXXX despite lack of verificationXXXXvalidation by alleged creditor and without complying with 15USC 1681a ( e ) consumer reporting procedures. Also, they are in violation of 1681a ( 2 ) ( i ) for reporting information solely based on transactions between the consumer and person making report.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MO)

I am refinancing my loan with Newrez, they said the loan process should take about XXXX  days, but they are almost at the XXXX day mark. I have been conditionally approved for XXXX  months now, I have signed paper work that said the loan would be done on XX/XX/21. I have tried to contact multiple people from the company including their team leader, which I assume is management. No one is calling or emailing me back and on my loan page they keep changing the estimated closing date, without out notifying me for a reason or that they are doing it. They have changed the estimated closing date XXXX times already.
Consumer complaint received 2021-05-18
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. (MS)

There are incorrect hard inquiries reported on my credit profile to Equifax. I did not authorize those inquiries. They are as follows : 1. XXXX/XXXX  date XX/XX/2019 2. XXXX XXXX date XX/XX/2019 3. XXXX XXXX/XXXX  date XX/XX/2019 I want these inaccurate and unauthorized inquiries removed immediately.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

XXXX I initiated a wire transfer from my bank to Binance.US using their wire transfer instructions and reference code XXXX - I received a confirmation of my wire transfer of {$10000.00} from my bank to Binance.US XXXX - I received an email from Binance.US confirming that they would process my wire transfer within XXXX business day : Wires Deposits submitted after this time will be processed on the next available business day. 
XXXX - I received an email from Binance.US claiming that they have forwarded my reference code to their payments partner, who would email me once payment is confirmed : " XXXX ( Binance.US ) XX/XX/2021, XXXX XXXX Thanks for your message. I forwarded your XXXX code to our payments partner. 

You will receive an email once they credit this wire to your account. Thanks again! 
Best regards, XXXX Binance.US support '' XXXX - I have still not received my {$10000.00} in funds to my Binance.US account, nor have I received any email from Binance.US or its payments partner, XXXX XXXX XXXX. 

After repeated emails to Binance.US  support team, I have still not received my funds nor resolution of my inquiry.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MN)

I have discovered a debt on my Credit Report, reported by IC Systems Inc. I have disputed it, and it has come back as a valid debt. I have tried to call the company 12 times over he last week to resolve/pay/and get information on this debt, and I can not get a hold of the company. Every number I've tried, an answering service answers and hangs up on me, or they say they are not open, ( I called at XXXX on a Monday, and they are open during that time ). 

I do not believe this is fair reporting if I can not reach the company to resolve the issue on my credit report. I have exhausted all other options to get a hold of this company. 

Thank you.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I sent a request to the collection agency requesting under but the Fair Debt Collection Practices Act, 15 USC 1692g stating I am requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I requested them to provide me with competent evidence that I have any legal obligation to pay them. 
I requested the Name and address of alleged creditor 1. Name on file of alleged debtor 1. Alleged Account number 1. Address on file for the alleged debtor 1.Alleged Account number 1. Amount of alleged debt. 
1. Date ( this alleged debt became payable ). 
1. Date of original charge or delinquency 1. Was this debt assigned to a debt collector or purchased? 
1. Amount paid if debt was purchased 1. Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt. 1. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector 2. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor 3. All statements while this account was open 4. Have any insurance claims been made by any creditor regarding this account? They never sent the documents requested and updated the credit busreas stating " Account information disputed by consumer, meets FCRA requirements ''
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc. (AL)

HI i tried contatcing the credit union that had this issue on my report on them. I written in complants and I disputed it numerous amounts of times. I never was addressed the issue and they never did try to update or fix the problem that I was having .I got a paper sent to my address saying that it has been sent to an attoney and they sent papers the documents on this. It comes from comentity bank and it is XXXX XXXX XXXX XXXX is the number account that is all I can view based on the issue that is presented to me at the time prior to me having XXXX  this issue needs to be resolved I can not XXXX and uses XXXX and can not be bothered in this way and their has not been anything done about this at all just got worse and sent lertters to me. They also never helped me address the situation and get it fixed and removing this off my credit causing it to fall lower and lower durning the breech i was afffectted and my data was hacked I never checked it around the time but these days when I do i can see that it has some shocking items under it that is now mine.
Consumer complaint received 2021-05-17
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)

The XXXX  inquiry on XX/XX/XXXX was initiated in error. XXXX allows individuals to check their rate without affecting their credit. I checked my rate on XX/XX/XXXX and received an alert of a new inquiry. After contacting XXXX  via their online chat, I informed them of the new hard inquiry. They sent a letter stating they were investigating the matter and would have a resolution soon. I later received a letter via usps stating they were going to remove the inquiry. However, it is still present on my report. Please see the attached letter from XXXX. 

Experian refuses to investigate my dispute in accordance with the FCRA.