davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank DBA Walmart Credit Services opened a fraudulent account under my name twice this year. When I called to tell them the second time, I spent over an hour on the phone and escalated three times to get the card ( that had already been mailed out ) canceled immediately. I was told there would be an investigation that would take up to 60 days and I would get a notice in the mail in 30 days that the account was closed. I told them to delete me from their entire database since they are complicit in opening these fraudulent accounts ( their own internal " processes '' failed which included leaving me a message that I needed to call back within three days to open the account ; I did not call back yet the account was opened anyway and the card was mailed out. INSTEAD OF CANCELING THE CARD AND REPORTING THE CARD AS FRAUD, SYNCHRONY BANK REPORTED THE CARD AS LOST/STOLEN TO THE CREDIT BUREAUS AND ALSOREPORTED A NEGATIVE ACTIVITY WHICH COULD ADVERSELY IMPACT MY CREDIT SCORE!!!!!!! This is twice this year the same bank has fraudulently opened an account under my name and I have no recourse. I ca n't even get it closed/canceled and reported as fraud to the credit bureaus. When I called again today to demand that they fix the false credit reporting and they reverse the negative activity. I escalated to the highest person who was named XXXX who said he was the floor manager and he was the highest person available. XXXX told me that the company could only send credit bureau updates every thirty days and the last statement closed XX/XX/XXXX. This is a lie because the credit reports they filed on my credit account with bureaus was published XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. So I can not believe they are not able to restore my credit more efficiently than waiting for a thirty day ficticious billing cycle ( since I never opened an account with Walmart there can be no " billing cycle. '' ) Given the urgency and victimization of this identify theft situation, I can not wait for them to passively send an update in thirty days and meanwhile my credit is negatively affected. This is absolutely fraud and they are complicit in fraudulently opening accounts twice this year under my name so they need to be held accountable. I WANT MY CREDIT RESTORED AND MY NAME PERMANENTLY REMOVED/DELETED FROM ALL SYNCHRONY BANK DATABASES SO THIS WILL NOT HAPPEN TO ME AGAIN. I OWN MY OWN DATA AND DEMAND THEY DO NOT USE MY PRIVATE/PERSONAL CREDIT INFORMATION ANYMORE. I have now spent hours on the phone with their toll free number, put on hold for long periods when I demand to talk to a supervisor who can actually do the right thing instead of read me company talking points. I NEED MY CREDIT REPORT RESTORED, ALL SYNCHRONY ACCOUNTS IMMEDIATELY CANCELED UNDER MY NAME, AND MY SOCIAL SECURITY/CREDIT FILE PERMANENTLY REMOVED FROM ALL SYNCHRONY DATABASES. I HEREBY DENY THEM PERMISSION TO EVER USE MY CREDIT INFORMATION IN ANY WAY AT ALL.
Consumer complaint received 2023-05-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-23
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)

This is in response to the CFPB complaint XXXX. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove or update them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be updated or removed from my credit report. Please see the attached letter that is dated, and time stamped. Please send me everything you have on these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My real estate property tax was not paid by either mortgage company, Specialize Loan Services ( OLD Acct # XXXX ) or XXXX XXXX XXXX ( NEW Acct. # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XXXX XXXX XXXX XXXX, 2016. 
My mortgage was transferred XXXX XXXX, 2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to XXXX XXXX XXXX. Neither mortgage company paid the property taxes. My last Specialize Loan Svcs annual escrow statement shows a payment of {$410.00} paid out but to whom? 
Specialize Loan Service or XXXX XXXX XXXX has to pay the taxes out of the escrow. The mortgage payments I made included the Property tax payments already. Where did that money go? 
I called Specialize Services Tax Dept. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. 
I called XXXX XXXX XXXX and was told to call Specialize Services. I am given the run around. 
Please make them pay my NYS Property tax. I already paid through mortgage payments. 
Specialize Loan Svcs ( old Acct # XXXX ) TRANSFERED TO XXXX XXXX XXXX ( New Acct # XXXX ).
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (MA)

In XXXX 2016 I turned in a leased car for a new lease.Acura Financial Services XXXX XXXX XXXX, Pa XXXX billed me for twelve months Massachusetts excise tax on the old car, and I unwittingly paid though I am only liable for one month
Consumer complaint received 2023-08-28
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. (TN)

i am a victim of identity theft. my id was used to get loans and credit. I filed the correct paperwork and sent it into the credit reporting agencies per the FCRA. I have asked for copies of the verification process and still haven't received the paperwork. 

These are the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NY)

To whom it may concern, AFNI has decided that I owe XXXX XXXX XXXX {$270.00}. XXXX XXXX XXXX has said they have no knowledge if this account and this is fraud. I received no communication from them and the bill juts appeared on my report. I have had the same XXXX  phone number for 22 years and my account is current.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

Debt was acquired under an inaccurate/false charge. 
I disputed this debt XX/XX/2012, XXXX resubmitted it two years latter without my being given the opportunity to dispute the XXXX collection submittion. 
Debt is in collection and effecting my credit.
Consumer complaint received 2023-07-12
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 (TX)

XXXX Case : XXXX XXXX have provided sufficient evidence about this dispute for " item not as described '' I have provided chat support screenshots showing how XXXX  was not accurate about the hotel search feature. The hotel I booked with XXXX  also agreed with this statement. 

However, Paypal has denied my dispute. Again, I have provided sufficient evidence to show the item was not as described.
Consumer complaint received 2023-05-23
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. (PA)

The Credit bureaus have infringed my rights as a consumer, and violated multiple times on my behalf The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) : the credit bureaus have to update/modify any and all accounts reporting accurately According to 15 USC 1681b ( 1 ) : the credit bureaus have provided written permission According to 15 USC 1681 : I have the right to privacy According to 15 USC 1681s-2 : 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.

( B ) Reporting information after notice and validation of incorrect reportings ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Consumer complaint received 2023-05-23
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 this item 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 2023-05-23
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. (MD)

This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XX/XX/2022, XXXX XX/XX/2022
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One denied an " End of Lease Buyout '' financing loan to me due to " Previous delinquent account ''. Company never stated what the account was so I contacted them to find out. They also refused to work any type of deal regarding the supposed debt meaning to consolidate the debt into the car loan. They did mention that it was NOT denied due to credit score.
Consumer complaint received 2023-11-26
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. (CA)

On Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from XXXXXXXX XXXX. Suspecting fraud, I called XXXX, the company which issues XXXX XXXX and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the XXXX XXXX XXXX XXXX. I requested that the account be closed and the unauthorized inquiry be removed, however, XXXX refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is XXXX.
Consumer complaint received 2023-11-26
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. (MA)

Someone has attempted to fraudulently use my social security number open credit card accounts without my knowledge or consent. I kindly request that all credit bureaus take immediate action to remove all inquiries associated with these fraudulent attempts. All XXXX credit bureaus- please scroll and look for your company 's inquiries. 

XXXX -- -- -- -- - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX TRANSUNION -- -- -- -- - XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX ) XX/XX/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 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
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. However, to my dismay, the process of removal has been unduly prolonged, causing me significant XXXX  and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : 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
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was made aware of a collection account on my Transunion credit report showing an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. First and foremost, I was never sent a notice to my physical address before they sent it to collections which is a violation. I was applying for a house in the middle of the year when I was made aware. I sent verification letters to XXXX XXXX XXXX as well as a validation letter to Transunion on XXXX certified XXXX. I also sent another letter to Transunion on XXXX to dispute inaccurate information from XXXX XXXX XXXX as it was showing all kinds of different data on my other reports from the other XXXX agencies. 
1 ) Transunion is reporting a high balance while the other XXXX credit agencies are reporting no high balance. 
2 ) Transunion is not reporting a Date of Delinquency of XX/XX/2019 while the other XXXX agencies are reporting which is a violation 3 ) Transunion is reporting XXXX XXXX XXXX as a ( Open Account ) which is incorrect as this collection agency can not report an account as open as I do not have a contract/loan with them. 
Per the Fair Credit Reporting Act Section 611 any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Consumer complaint received 2024-04-13
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-11-15
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-30
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-05-23
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX