davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish These accounts
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

This complaint is in reference to XXXX, SUBMITTED ON XX/XX/XXXX It is currently XX/XX/XXXX - I called CareCredit and they informed me that they attempted to call me twice, however I believe my phone line took these to be scam calls, so i did not receive notification. 
Carecredit claimed they were ready to offer me a way out by negotiating allowing me to pay the principal amount, and would remove the interest charge, but because I was " too late '' to the " 60 day grace period '', they had to take the deal off the table. 

This is again very similar to their former claim that they were ready to offer this remedy for me within 30 days of the interest charge, but because I was " too late '', they would not do so. 

This is once again deceptive trade practices, and it feels as if they want to give the perception that they gave me notice and options, however I can assure you they did not give me any such ability to remedy the situation. 

These supposed offers and deals were also never made in writing to me, and were only referred to when they were supposedly " too late '' to be made anymore. 

As it stands, I now am being charged {$170.00} in additional interest EACH month, on top of the nearly {$2500.00} i was charged. 

The company through all of this continues to make it extremely hard to communicate with them claiming " we do not have email, please use mail or fax to make corporate level complaints '' They also claim that the secure messages service I used to even file this complaint in the first place is " offline while we move it to a Remote workflow '', so as of right now I have no reasonable means to communicate with corporate. 

I have been on the phone for hours with their customer support, and they wont provide me with 1. a phone number to contact corporate 2. an email to contact anyone in the company To conclude, I sincerely ask for your help in putting this company on notice for its continued deceptive trade practices as it attempts to keep me dragging along forced to pay monthly interest payments when the company gave me no reasonable option out of this. 
I am a student, and I simply can not afford these interest charges.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

I made a purchase for specific items ( collectible high end figures ) and used PAYPAL CREDIT to purchase said items. Under using PayPal they have a guarantee of safety. It turned out the seller scammed me and instead of sending me what we agreed to, seller admitted to scamming me by name calling me and sent a completely different bogus item once I opened a claim with PayPal Credit. I dont understand how PayPal denied my claim when I sent them exact proof that I was scammed. I have the entire message conversation with the scammer and I video recorded the fake package he sent me. Im literally speechless as to their decision for siding with an obvious scammer.
Consumer complaint received 2024-06-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

I recently pulled my credit and saw that I had XXXX inquiries on my XXXX report that I didnt authorize. I dont have an account on my profile nor have I applied for any credit from synchrony bank or XXXX XXXX. I have tried to reach out to the credit bureaus and the companies to no avail. Please advise
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TN)

I am not liable for the debt with XXXX XXXX XXXX. I have no contract with XXXX XXXX XXXX account # XXXX. They did not provide me with the original contract as I requested
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

On Sunday, XX/XX/year>, I deposited XXXX dollars into my SOFI checking account from XXXX. I transferred XXXX dollars to another checking account of mine, and spent an addition XXXX dollars on my debit card through SOFI. A day later, I received an email telling me I have a temporary restriction on my account. Since that email, I have tried speaking to their security team and they have given me no information or timeframe on when I can receive my funds. They refuse to let me speak to the internal review team, the team that is investigating my account. They have also been extremely vague with the term that I allegedly violated that restricted my account. Another representative hung up the phone on me, which was a first.
Consumer complaint received 2023-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (CT)

I noticed on my credit report a collection account listed for {$860.00} from CKS Financial. I did not recognize this account nor received any notice regarding the validity. As I went to their website, it directed me to another named Velocity Investments. When I attempt to enter information to pull up this account from their website using my phone and social, no account could be found. I submitted this with a screenshot to the credit reporting agencies disputing this account as I could not verify the account on the velocity investment website. All attempts to contact via their phone number listed on my credit report just sits with a busy signal or on hold. 

Somehow the credit reporting agency says the debt has been validated.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX agent for solar panels approached us and assured us to install solar panels and that we were not going to pay to the electric company. Installation of solar panels was completed on XX/XX/year> and I made XXXX payment {$150.00} on XX/XX/year>. Same time I keep getting very high bills from XXXX 's electricity provider. I approached XXXX XXXX and XXXX till today NO response. 
I am suffering because of false statements there no response at all fastrac emailed me that fastrac was just an installer I approached XXXX and it emailed me a contract that I had not signed or even seen before. 
XXXX report to credit company and my credit dropped it's not appropriate, its not the way to do business kindly help me
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-31
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. (NJ)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY (NY)

Tried to get a consolidation or home equity line of credit with TD Bank 's Loan Dept. on XX/XX/XXXX, XXXX Credit scores were XXXX in XX/XX/2023. Submitted every paperwork they asked for in a timely quick manner. Have worked for 45 years and owned credit cards paid always on time. Need loan to pay off credit cards and do home improvement. Was told not to pay off credit cards pending loan approval. I asked to have my house which has no mortgage since it is paid off used as collateral. No one from TD Bank mentioned you can't use a home as collateral until 6 months after owning it to use half its equity. Waited and waited till 6 weeks until a loan processor for TD Bank told me he needed a Closing Disclosure statement from me and my closing attorney when in fact if you do not have a mortgage you do not need this disclosure statement. At which time at 6 weeks, my loan was denied and my credit scores have plummeted as I am having a hard time paying them off.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Did not consent to unauthorized items the items was not authorized. 
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/year>
Consumer complaint received 2024-05-31
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)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-31
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. (AZ)

I have NEVER been in a XXXX  XXXX store. Never applied for a XXXX XXXX account. But last year I realized there was a XXXX XXXX / XXXX XXXX  account on my credit. AND a Collection company ( XXXX XXXX ) trying to collect on the bad XXXX  XXXX account that I NEVER applied for. 

I've called XXXX  XXXX several times, and they told me that this has happened to MANY people and they promised to fix it. But they only removed the INQUIRY ( see uploaded doc. ) Disputed XXXX  XXXX through the credit bureaus on XXXX, see uploaded letters Disputed the Collections XXXX XXXX XXXX ( for the XXXX XXXX account ) through all XXXX bureaus on XXXX. 

The lady I spoke with at XXXX XXXX on XXXX confirmed that this was fraudulent but then ended up hanging up on me. 
This has decreased my scores terribly and I can not buy a house. 

Can you PLEASE help me get XXXX  XXXX AND XXXX XXXX off my report.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-06-01
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. (IL)

Please deelete th misleading items, .. i attached the letters, my id, and proof of address, and the FTC REPORT. These items are misleading, not mine.. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-31
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. (FL)

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 ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-31
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. (NJ)

15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (OK)

I submitted a complaint on XX/XX/XXXX which is today. Now the bank has retaliated against me because I just got word from XXXX XXXX that XXXX XXXX  took off the 120 days late status and marked my account as charged off. How XXXX XXXX  can this account be charged off if I'm in a payment plan with them? I want this fixed immediately and I tried to reply to the current complaint and it wouldn't let me so I've had to submit another complaint. It needs to say account current not charged off how hard is that? I've made 5 consecutive payments in a row. Charged off would mean I haven't made any payments but I've made payments every single month since XX/XX/year>. I even have a letter proving I'm in a payment plan.
Consumer complaint received 2021-01-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX is not supposed to charge interest, make collections and report to credit reporting agencies any information that jeopardize the student credit. Now XXXX is reporting installment behind and pending to TransUnion. This situation lower my credit score in a discriminating action for being XXXX. 

They did not do this before and now to add pressure for payment under the new federal government request, they are forcing students to pay by reporting students to credit reporting agencies.
Consumer complaint received 2021-01-22
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (PR)

Navient is not supposed to charge interest, make collections and report to credit reporting agencies any information that jeopardize the student credit. Now Navient is reporting installment behind and pending to XXXX. This situation lower my credit score in a discriminating action for being XXXX. 

They did not do this before and now to add pressure for payment under the new federal government request, they are forcing students to pay by reporting students to credit reporting agencies.
Consumer complaint received 2024-06-01
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacted XXXX XXXX XXXX XXXX about reporting an invalid bankruptcy to XXXX XXXX Transunion and didnt receive any documents or validation of these claims also requested that they put a security freeze on my file and nothing has been done
Consumer complaint received 2024-05-31
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. (VA)

I am writing to formally demand the prompt removal of fraudulent accounts that have been wrongfully included on my credit report without my written authorization or wet signature, as required by law. These inaccurate listings, which are the result of identity theft, have caused me significant emotional distress and financial harm by misrepresenting my true credit history and obligations.

Despite previously notifying your organization about this unlawful issue, the fraudulent accounts remain on my report. This is unacceptable. I am now demanding that you block and permanently delete these specific items from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. Copies of my driver 's license and social security card are enclosed to verify my identity.
Consumer complaint received 2024-05-31
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. (VA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.