davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent out a dispute to the credit bureau and creditor about this proclaimed debt i owe that is negatively affecting my life. still as of today i still have not received any response from neither the credit bureau nor creditor to validate or verify this account nor the proper documentation they took to validate or verify this account prior to placing this on my report. As stated under 15 u.s.c 1681i method of verification was not supplied!!!
Consumer complaint received 2024-04-07
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: Experian Information Solutions Inc. (DC)

hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. who's studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-12-01
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

I notified American Express of my situation with the merchant XXXX regarding an order I made for XXXX on XX/XX/XXXX I attempted to reach out to the seller upon receiving the wrong items which I will provide receipt and actual items I received were provided to amex they were glasses and a backpack I had not ordered which is insane how they mixed that up. I contacted American Express to handle this issue for me as I feared of being left with nothing after 60 days of my order being placed which is outside of the chargeback rule. Amex originally sided with me which was the logical case as XXXX made no attempts to communicate with me or try to mediate and for some reason reversed the decision? I am baffled as to why as according to the law they cant make me pay for something I didnt order or return the merchandise they sent ( which I was as Im acting in good faith ) I explained to them that I will gladly return the items so long as Im not responsible for shipping and duties as American Express said the company requested me to. I reached however and they told me it was outside of their return window? So Im just left with nothing? Thats not how the law works and American Express isnt acknowledging that. They were supposed to take care of this for me which is why I involved them in the dispute as the merchant never reached out. I had to reach out because American Express told me they told me to return them and nothing. They provided their return policy which doesnt apply to me because they didnt respond to me within that timeframe?!? So I got Amex involved to provide me help and they sided with them? Theres countless other horror stories on their reviews as well. Please help this is a lot of money to me I got an American Express card because of the reviews of how they help their customers and Im over here out of XXXX because of the merchants fault hopefully this can cause them to reverse their decision and act according to the law. They clearly acknowledged Im in the right but their hands are tied? Im including the letter. Thank you for your time
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Dear XXXX XXXX XXXX, I have made 3 purchases with my paypal account - PAYPAL AMOUNT - PAYPAL BALANCE - ( paypal debit card ) on XXXX XXXX, of {$35.00} each, however, I do have a paypal credit as well, associated with my paypal balance. 
On that credit balance I was charged {$35.00} XXXX as well on XXXX XXXX, which makes it 6 charges of {$35.00} ( 3 from my paypal balance- which I authorized- but another 3 from my paypal credit balance - I ONLY AUTHORIZED 3 CHARGES - NOT 6 ). 
I have contacted Paypal various times in the last 2 weeks, by phone, chat, email, online through the website and my app, but they refuse to respond and address this issue. 
When I call, they send me a link to chat with them, when I chat with them, they send me a link by email, then they say to go through the app., etc. nobody wants to be in charge nor address the issue, everybody points the responsibility to somebody else.
Consumer complaint received 2024-04-08
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Giggle Finance Inc. (AZ)

I applied for a loan and I was approved I was even sent the paperwork to sign. After signing I was instructed to send a text to this number XXXX. I was told I just had to confirm my information. I waited till Monday and was not contacted by anybody I was denied even though I was approved. I requested information as to why and got no response. I informed them this was not ok and that I would be filing a complaint. After this I tried to login to view the documents I had signed since I wasn't allowed to print them I figured I would screenshot them and I was now unable to view anything. No documents were showing. I still have not received a response back for the reason of the denial after being approved.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/2017 XXXX XXXX  reported a delinquency to XXXX for a valid debt of {$1100.00} with the account # ending in " XXXX ''. Years later when I attempt to negotiate a settlement Midland Credit Mgt, the collection agency they turned the debt over to. Midland said that it was " two '' accounts roughly for the same amount of money and I vehemently objected! Stating that I only rec 'd service from the dental company one time and one time only. I've asked Both XXXX XXXX Midland to provide me valid proof of the 2nd account and name of the dental company here in XXXX Tx so I can go and prove this error yet they both refuse to do so! I finally got XXXX to delete both entries off my credit profile only to have Midland turn right back around and put them both on my XXXX XXXX XXXX credit reports! I mailed a certified letter to XXXX requesting proof of 2nd " bogus '' account and name of the dental company that I rec 'd service from to no avail. In the meantime Midland wants me to settle 50 % on both accounts w/o any proof or justification. I will send you all the documentation I have dealing with these two very unscrupulous companies! As they are directly stopping me from purchasing a home for my family, because I simply refuse to pay for the same account twice!!
Consumer complaint received 2024-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

My loan was placed into administrative forbearance by Mohela- which per the government and MOHELA counts towards PSLF. I made 120 payments as of XX/XX/2024, submitted the employer certification form, and called Mohela to place me in a pslf processing forbearance. I was told on 3 separate occasions I would be placed into the forebearance, and nothing has been submitted. There are 3 payments listed as ineligible payments from the administrative forebearance placed by Mohela, and so my count is XXXX. Because of their error and lack of ability to update the payments as eligible, I can not get a processing forebearance. I have spent over 9 hours on the phone, and the representative is unable to assist and then transfers me to voicemail. I am now late on the payments- payments that I do not owe. They have been unable to assist and tell me there is nothing I can do. I called Federal Student Aid, who states that Mohela has to switch the counts. This is illegal and predatory.
Consumer complaint received 2024-01-11
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2023 I purchased a leather jacket branded by XXXX XXXX from the merchant XXXX  XXXX in the amount of XXXXXXXX XXXX tracking was XXXXXXXX XXXX XXXXXXXX received on XX/XX/XXXX. Upon opening the package I realized it was not what I had ordered and promptly contacted the merchant to return the item or reach a solution. Despite an effort to contact the merchant they never responded and I waited until XX/XX/XXXX to submit my claim Dispute # XXXX giving the merchant enough time to respond and give me a solution which they didnt. Upon submitting the claim I realized I wasnt asked for any information and asked and said theyd ask for it if needed so I let the dispute process take its course until XX/XX/XXXX that I realized that they still hadnt asked me for any information. The rep I spoke to told me they hadnt requested any information because the merchant never replied so I assumed I was going to win the case but still sent them evidence to substantiate my claim. On XX/XX/XXXX a week after I had raised my concerns my dispute was ruled in favor of the merchant because of the evidence they provided. Not only did they lie to me saying they didnt respond but they did not take my evidence I immediately raised my concerns to the Goldman Sachs supervisor who admitted fault that the reps had misinformed me and messed up and they said my only option was to reassert the claim. I have sufficient evidence which I will be providing along with the conversations with the Apple Card reps to show the missteps that they took with my claim and hopefully I get my money back as its blatant that I never recieved what I ordered. The new dispute claim number is XXXX if you need anymore information do not hesitate to reach out thank you for listening.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 
XXXX XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 

I have sent the credit bureau XXXX separate letters over the last XXXX  days. I requested statements showing a late payment. To this date the error has not been removed from my report. Nor have I received the requested statements.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AL)

I signed up for CareCredit that was promoted as 0 % APR for optional time frames. At some point I signed up for automatic payments where I paid over the minimum payment in order to pay off the balance in an accelerated time frame. I looked over my recent statement and saw there were interest charges. After contacting Synchrony I was informed that they were claiming this to be a " deferred interest '' agreement. At no time did I ever see such terms explicitly outlined. I was capable of covering the costs of the procedure both out of pocket or with many other credit avenues. I only chose CareCredit based on their promotional material that appeared to be 0 % APR for an extended period. I do not believe that I owe Synchrony any further payments and have requested an adjustment of my statement to reflect a XXXX balance along with past statements. I noticed that prior to by promotional period ending Synchrony quit sending physical statements even though I never agreed to paperless billing. I believe all of the statements made thus far either reflect a mistake on Synchrony 's part, or possibly predatory lending practices.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FB FINANCIAL CORPORATION (SC)

If you look in my my file with CFPB for the one other complaint I filed again the same mortgage company , the problem started then. I thought we finally had this resolved but then the are repeating the same mistakes over and over again.

We have TWO ( 2 ) flood insurance policies on our property and they are with 2 different companies. We have our " main house '' flood policy and then we have a detached garage that has an apartment on the second floor, so that is our secondary flood policy. 

FirstBank 's underwrites, or computer systems, or humans who work is the department responsible for managing our escrow, CAN NOT FIGURE THIS OUT. I have been on the phone with the many times for XXXX  years. XX/XX/XXXX, they just did not even pay the second policy and we got dropped. This was even after I spent two hours on the phone with someone there saying they were creating a second property plot file to show we have two flood policies. That did not work. We finally decided to just pay the second policy out of pocket late XX/XX/XXXX. THEN FirstBank paid in on XX/XX/XXXX when it was originally due for them to pay in XX/XX/XXXX. 

In the year of XXXX, FirstBank kept sending us threatening letters saying we were not carrying enough flood insurance, because the computer system kept defaulting to the smaller flood policy. We carry the XXXX we are allowed to carry on our Main house. 
This montage company is ridiculous and I am so tired of having to deal with them, over this same matter every 6 months. I just want another company to have our mortgage, but feel stuck because we are not going to refi just to get away from them. 
What are our rights?
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX balance XXXX account number XXXX this account has been proving to be fraudulently open and the bureaus refuse to remove them I supporting ftc and police reports proving this are fraudulent and the bureaus will not remove this account it says closed and still actively reporting missed payments I dont understand I have the proof its fraudulent they will not remove it
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IA)

I received notice today, XXXX, from XXXX that " I C SYSTEM INC '' has reported a derogatory mark on my credit for the amount of {$130.00}. I have no knowledge of this debt nor have I received any communication from I C SYSTEM INC. 

I have started a dispute through XXXX today XXXX.
Consumer complaint received 2024-03-30
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: World Acceptance Corporation (TX)

I have sent this company a letter to validate the alleged debt. The company failed to do so. I have disputed this account numerous times, but the reporting agencies do not seem to be investigating these reports on my behalf. Since they have not responded to my letter of validation, I have sent them a letter requesting a removal.
Consumer complaint received 2023-06-26
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. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$5900.00} XXXXXXXX XXXX  XXXX Balance : {$25000.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NM)

For over a year I have tried to resolve issue with company making false claims on my credit report. I do not have any contract with company that continues to put a claim on my credit reports. I have asked credit bureaus to supply me with the contract I supposedly have with my original signature, etc. but they advised me to file a complaint with your organization. 
This company is making false claims which has caused me harm and financial hardship. I tried to make contact and asked for proof of claim ( contract with original signatures, etc ) and they have not responded. They have continually misrepresented the nature of the debt, the amount, etc. and are using unfair and deceptive practices by harassing me through my credit reports. 
This company is guilty of UNFAIR PRACTICES. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed. 
I demand that this company remove any claims that are on my credit report immediately.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX RESIDENT VERIFY Inquired on XX/XX/XXXX.