davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MN)

XX/XX/XXXX chime authorized over XXXX transactions on my account for XXXX which is a merchant that should of been blocked in XXXX when I contacted them the first time. On the XXXX they drained {$500.00} in less then XXXX minutes. I called chime that night they blocked the merchant they said and the transactions were pending so none should have gone through. The next day they went through so I filed a dispute. They only authorized I get {$20.00} back from XXXX of the transaction but not all my money that was taken from the many more transactions, I called to have them open the dispute again today and it was denied again. They have done nothing to help me over several months of trying to get a new card and get that merchant blocked and now refuse to give me back the money they allowed to be stolen.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (IN)

First, the company ( Sendwave ) claimed that my bank ( XXXX XXXX  ) had charged them because I filled a complaint with XXXX about the actions of Sendwave. 
I contacted my bank. My bank ( XXXX said they do not have a policy like what Sendwave is claiming. Still, they would not refund my money after they assured me that they have the money. ( per their email of XX/XX/2023 ) So, I took the matter to court, ( XXXX XXXX, Indiana  Small claims court ) The judgement was in my favor. Still, up to now, Sendwave has not refunded my money to my bank account as they promised in their email ( XX/XX/2023 ) The money involved before the court case is {$2900.00}. 
I am hoping that this department can help me collect the money without having to spend on collection fees.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MA)

I applied for the XXXX XXXX XXXX issued by Synchrony Bank on XX/XX/2024 and XX/XX/2024. Both applications were denied due to a security freeze at XXXX. I contacted XXXX and checked my credit report to confirm that no security freeze was in place at the time of applying.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

This company went and placed a collection account on my credit report but has never sent me a bill or even reached out to me. I have filed multiple disputes with all 3 credit reports and they just send back that they verified it yet they don't show me proof of the verification like I have asked them too. I have written the company multiple times with the little information I have on my credit report about the account and I have never heard a thing from them. I have even written the CEO of the collection company and no response.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (GA)

I contacted company ( CCS Collections ) about an {$870.00} debt and they told me that they spoke to my spouse and she told them that she was goin to pay the debt. On two separate occasions, and when I asked my spouse she told me she felt threatened thats why she told them that.Its come to my knowledge that its against federal law to speak to someone or ask someone to pay on someones debt. I will need action swiftly to take this off my credit report and if not done I would be taking legal action against this company. Im embarrassed that this company has spoken to someone about debt that belongs to me. I would like this issue to be taken care of promptly.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX is reporting an account ( Auto Loan ) to the credit bureaus ( XXXX, Transunion and XXXX ) in which is a fraudulent account. The reported balance is XXXX. This account should be removed from my credit report. 

XXXX XXXX XXXX XXXX is reporting an Auto Loan in the amount of XXXX ( XXXX, Transunion and XXXX ) in which is a fraudulent account. This account should be removed from my credit report.. 

XXXX XXXX XXXX is reporting a collection in the amount of {$600.00}. ( XXXX, Transunion and XXXX ) in which is a fraudulent account. This account should be removed from my credit report. 

XXXX XXXX XXXX is reporting a collection account the amount of {$1200.00} ( XXXX, Transunion and XXXX ) in which is a fraudulent account. This account should be removed from my credit report.. 

Credit was fraudulently applied for and The following hard inquiries are on my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Visa has told me for the past five months not to make any payments until the issue is resolved and not to worry about interest or fees, and now they tell me its been resolved but the balance plus fees and interest and negative marks on my credit report say otherwise. 
Its showing the full balance, late fees and interest on my card along with derogatory marks to my credit and all they can say is we dont know why its not showing XXXX balance and no one is doing anything about it. I have given them everything they asked for and have not gotten anywhere. 
Please help as its affecting my health.
Consumer complaint received 2024-05-07
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XX/XX/XXXX, I contacted Mr. Cooper to request a reinstatement figure so that I can make the decision to reinstate the account. I spoke with XXXX and she advised that the request was submitted and i would receive my request within 3-5 business days. On XX/XX/XXXX, i called back since I had not received anything, and XXXX advised that it was actually re-ordered with the Attorney Fees that same day and I would need to wait another 3 days. Again, I called on XX/XX/XXXX since I still had not received anything and XXXX shared the reinstatement amount with me verbally, however requested that I still get it in writing because I wanted to compare to the post petition payments I had been paying on under the Chapter XXXX. I received nothing. Yet again, I called on XX/XX/XXXX and spoke with XXXX, who then informed me that the request had to be submitted in writing and i would need to fax it to a direct fax number in which i did the very same day. As of XX/XX/XXXX Mr. Cooper has confirmed to have received my fax and my  verbal request. Today is now XX/XX/XXXX and I still have not received anything. At this point, my account is just accumulating and I just want to be able to get this taken care. I really need your assistance in getting this information. No one there seems to be able to help.
Consumer complaint received 2023-05-01
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. (AZ)

Trans union reporting agency failed to remove unauthorized inquiries on my report and I informed them they were fraudulent. They are unlawfully and illegally reporting inaccuracies and when I informed them to remove them they told me I had to file a report with FTC which directed me to CFPB. I need the company to remove the inaccurate information they are reporting Ive tried to file disputes over the phone they refused to do so I tried to file it online and it would not let me kept getting an error message to call instead and when calling they still refused to remove the fraudulent info
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-01-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (SC)

I bought a watch at XXXX 's Jewelers, they use Synchrony Bank for their in store financing offers. I was given the option of selecting either a 0 % interest for 12 months offer or a 9.99 % interest for the term of the payment plan offer. I selected the 9.99 % offer because I was not planning on paying the watch off in 12 months and all acrued interest would hit my account if not paid in full in 12 months. I purchased the watch and started receiving the electronic bills from Synchrony. I paid several months worth of payments without checking the statements- the intial balances was exactly what I expected and the payments were not outrageous ( a little higher than I expected but I chalked it up to my mental math on the day of the sale ). 
I finally logged in to the synchrony app, 6-7 months after the initial purchase and I noticed that I was being charged 29.99 % interest on my card, rather than the 9.99 % I had requested at the time of purchase. I reached out to Synchrony and they told me that the time to dispute interest had passed and I had no recourse. I told them that this was obviously a mistake because the 9.99 % rate is advertised on XXXX XXXX 's website and it's a standard promotion that they ALWAYS offer. I asked Synchrony to escalate this issue internally as there is current proof on XXXX 's website of the valid promotion that I should be eligible for. They escalated and returned with " The store did not apply the promo when they submitted your file- reach out to the store for further assistance. '' I went back to the store where I purchased the watch and I was told that they could not do anything with regards to getting Synchrony to fix my APR and I would have to work it out with Synchrony. Synchrony should not be allowed to charge me an interest rate almost 3 times higher than what I thought I signed up for, just because a store associate made a mistake. 
My inital purchase was made on XX/XX/2022 in the amount of {$4000.00}. after 13 months of payments, I still owe {$3400.00} and I've been charged almost $ XXXX in interest when it should have been closer to $ XXXX.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have an hard inquiry from XXXX on XX/XX/year> that was not initiated by me. 

I have an inquiry from XXXX XXXX XXXXXXXX on XX/XX/year> that was not initiated by me. 

I have an inquiry from XXXX XXXX on XX/XX/year> that I'm not familiar with. 

I have 2 inquiries from XXXX XXXX XXXX XXXX, one on XX/XX/year> and another on XX/XX/year>. I didn't authorize neither. 

I had an hard inquiry from XXXX XXXX and XXXX XXXX both on XX/XX/year>. Not familiar with neither. It appears that someone was trying to finance a vehicle with my information.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( Experian, XXXX XXXX XXXX XXXX. Consistency across bureaus is essential for accurate reporting. 

XXXX. **Date Reported : ** The date reported is different for XXXX compared to the other bureaus, which could affect the interpretation of the information and might need clarification or correction. 

XXXX. **Account Rating and Description : ** While two bureaus report the account as " Paid, '' one bureau lists it as " Derogatory. '' Ensuring consistency in the account rating across all bureaus is crucial. 

XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and account status, especially with remarks like " Account has been closed due to inactivity '' and " Payment after charge off/collection. '' 5. **Creditor Remarks : ** The remarks provided by the creditors vary across the bureaus. They should accurately reflect the actual status of the account for consistency and clarity. 

XXXX. **Payment History : ** There are different late statuses ( 30, 60, 90 days ) reported across the bureaus for specific months. Consistency in reporting these late statuses is essential. 

XXXX. **Credit Limit : ** While the credit limit is reported consistently across all bureaus, it's mentioned in the remarks for one bureau, which might cause confusion. 

XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies, it might be necessary to dispute these entries for correction.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I started an account when I moved to Nebraska in XXXX  near XX/XX/23 with a check that was sherrif issued from child support. XXXX was withheld and never paid to me. When I inquired about this with holding I got transaction records that stated my account was set up in XXXX which is not correct and the money was withdrawled from the account before I even stepped foot in Nebraska. More of the money was laundered through etf transfers to XXXX XXXX to my XXXX XXXX account or XXXX XXXX XXXX XXXX XXXX. I tried to file disputes because some purchases were made in XXXX XXXX while I was here. The bank would not rectify these transactions because one of their bankers put in a pre dated transaction through my savings account and stole more money. They told me they had to close my account instead because XXXX XXXX knew where I banked. I reported near XXXX loss but the bank said they didn't want to pay it back nor do they want to talk about the account being opened before I moved to Nebraska and while I was in a different state on XX/XX/23. My online banking information did not match what they printed out for me in XXXX so I caught the XXXX too late they said but if the account had been set up a month before XXXX then how could I have caught it when I wasn't aware they did fraud on my account and set it up early on XX/XX/23.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.