davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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 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 XXXX party. They in fact did not come from a XXXX 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 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PR)

Somebody make 3 transactions on my Sams Master card I call the company they take outs the charges and later bill me again the 3 transactions This afect my credit Acount # XXXX Synchrony Bank
Consumer complaint received 2024-04-16
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. (PA)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2023-04-12
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. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updated as soon as possible. I have not nor authorized the receipt or distribution of any goods and/ or materials under my name. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting an updated copy of my report and all pertinent information regarding this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP (FL)

Back in XX/XX/2023 XXXX XXXX, XXXX XXXX XXXXXXXX, illegally took XXXX out of my checking through a court order. I called the firm to let them know that I knew nothing about the account theyre referring to and requested that I get my money back, but the law firm has been refusing to give me my money back. I have been going back and forth the them since XX/XX/2023, but they been refusing to refund my money. I just would like to get my money back.
Consumer complaint received 2024-04-16
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. (NY)

I recently viewed my credit report and noticed an account that's isn't accurate. I have late payments on the account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments and I have attached a copy of my report to this complain on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). XXXX now requesting you to investigate and provide verifiable proof of records showing that I had late payments. if this information can not be verified I demand these payments to be updated to ( paid on time ) immediately. Thank you for your understanding & help in advance.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (CA)

I am writing this to let this company aware that I know my rights as a consumer! Under FCRA law 15 USC 1681s ( 2 ) this company is in violation from furnishing inaccurate and an improper use of my consumer file.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

After reviewing my XXXX, XXXX and Equifax credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below
Consumer complaint received 2024-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (GA)

Reference CFPB Complaint XXXX Considering this company 's history of not disclosing information appropriately to consumers as noted in the finding of the consent order issued by the CFPB in XX/XX/year>, I am shocked that further review wasn't completed to assess the issues involved in this case in which the actions, lag of response, lack of proper communication, and lack of any attempt to rectify the issue and allow me a good faith effort to become current. 

SLS has also added undiclosed fees every month, which only adds to the difficulty of catching up. 

Not only that, it seems that this company made has made it extremely difficult to understand how to procede with any of its proposed processes. I challenge any normal, non-finance person to understand the statements. I also challenge anyone to understand why the company can't reply to an online message with simple instructions. 

The actions and non communication by SLS has directly caused me stress and harm. 
The denial for assistance states that it was not accepted due to the account being over 90 days past due. Your application states that you require proof of change in income, which I provided. I submitted multiple requests in writing for clarification with no answer until it was canceled. I am not asking for anything outside of a good faith attempt to put my mortgage in a forbearance and I've offered to get the loan within 90 days over time, or reset the amortization to that point in XXXX when this started. I would not have filed this dispute of you had not sent a letter saying you may foreclose no matter what payments I send. 

As far as I know the company did not acknowledge my grievance until I filled this case with the CFPB. Iknow the representative documented it but she simply said it didn't mean anything. he company did not explain why I was never told there was a 90 day requirement for assistance. I can not determine what the process is for a successful forbearance. I applied for assistance because of a hardship. but had I known the requirements or had guidance I would have made different arrangements and would be in a easier position to manage. 

I can tell by the previous CFPB findings and the XXXX  complaints that this company does not care about cusotmers making a good faith effort to keep their home. I do not think it's unreasonable in these economic times to request a modification that would allow me a resonalble payment and to keep my home.
Consumer complaint received 2024-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, On XX/XX/XXXX, I was charged an amount of {$530.00} by the XXXX XXXX. I have no idea what this company is or was until the fraudalent charge was placed. 

I called capital one to dispute this charge and was denied XX/XX/XXXX. I confirmed every other charge around that date and confirmed other purchases. This charge was not one of them. I'm not sure what proof I can provide since I do not know what this company is or did not recieve a text or confirmation from the app that I made this purpose. If there is anything I can provide proof for, I will but this was definitely not my charge. I am quite upset since I tried to offer anything I could but all they could do is tell me to wait and just deny me the charge without any proper explanation. I would greatly appreciate your help since I am only a student with limited time. If there is anything that I can provide for proof I would be happy to. I just don't know what to do since I have never heard of this company before or done business with a company named Thank you.
Consumer complaint received 2023-10-31
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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: Southwest Credit Systems, L.P. (FL)

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness.

I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 

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 the following items 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( XXXX ). 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2024-01-08
Product: Debt collection — Rental debt
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 (HI)

I was contacted on XX/XX/XXXX by a representative from Columbia Debt Recovery LLC by phone claiming I had a debt that was placed into collections. The debt was for a total of {$12000.00} for rental charges from an organizational named XXXX. This debt was based in XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I identified that this could not be accountable to me, as I have never resided in California, nor had any financial connections to California. I currently reside in Hawaii, and have done so for the duration of the debt identified. I also have had my credit locked during the identified time through XXXX. I emailed the following statement to Columbia Debt Recovery : XXXX XXXX XXXX Columbia Debt Recovery XXXX XXXX XXXX XXXX, WA XXXX Re : XXXXAccount # XXXX Dear debt collector, I am responding to your contact about collecting a debt. You contacted me by phone, on XX/XX/XXXX and identified the debt as {$12000.00} ORIGINAL CREDITOR : XXXX PLACED FOR COLLECTIONS ON : XXXX I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

on XXXX i deposited a check for XXXX dollars they immediately put my account on freeze and funds on hold and did not say why! i received an email saying the funds would be available on XXXX on XXXX i received an email stating that my funds were put on hold for another 90 days! this is unacceptable! I am now late on rent and might get evicted! the lady that wrote the check was going to write another one but when she called the bank said the check had already been cashed! I dont understand this?! why cant i just close the account and cancel the deposit? why cant anyone tell me more information?! i also did not relize that i was signing up for an online only bank and also would not recieve a debit card! this bank ( citizens ) should be shut down for doing this! i am not the only one that this has happened to!
Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/30, XXXX gave me a {$40.00} gift on Venmo for my birthday as listed in the transaction memo. As he had not transferred money to me before he was asked to verify his intent to send money to me twice, first by verifying my Venmo ID, and second, by listing the last four numbers of my phone number. The next day I received notification from Venmo that the transaction was reversed, because XXXX claimed that he did not receive the item and therefore no purchase was made. As I stated and noted in the memo, this was a cash gift. There was no item, and there was no purchase. Venmo said I would be contacted for the investigation and could provide details. Deciding not to wait, I wrote to Venmo and provided the above information. Some days later I received notification from Venmo that the investigation was complete and that the {$40.00} transfer they had made into credit was removed from my account. I wrote back to Venmo to complain and get information on the case. The only response I received was a threat to close my account if I tried that transaction again. I called several times after that, was placed on hold long periods until I hung up, and the last time I called, the agent hung up on me. So I dont know what happened or what they were told because no one ever responded to my request for information nor was any of the information I provided considered in the investigation. What I do know is I was given {$40.00}, it was intended as a gift as noted in the memo of the transaction, and it was intended for me as twice verified by the sender. After the fact, the sender misrepresented the transaction and the intent with unknown details and my money was removed. I am due the {$40.00} and I want it deposited back into my account. I did nothing wrong or illegal. 

Dispute Id : XXXX External Payment Id : XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED
Consumer complaint received 2019-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: KEYCORP (OH)

I made 1st payment before receiving a billing statement in the amount of {$170.00} 2nd billing statement payment due {$170.00}, {$79.00} interest, {$91.00} principal. 
There is a problem with this interest the rate is 6.09 %
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

It is disheartening that the Credit Bureaus, namely Experian, XXXX, and XXXX, have failed to remove the persisting fraudulent items from my credit reports over the past three months. The absence of any deletions during this period is particularly concerning as I anticipate another update to my credit report within the next 15 days. Regrettably, there is a sense of apprehension that I might encounter yet another instance of failure to delete these items from my file. I would like to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft within four business days of receipt. Additionally, as per Section 605b, Credit Reporting Agencies are required to expeditiously remove any items listed on an identity theft report, specifically under reference # XXXX, pertaining to my case. The items outlined in my earlier complaint dated XX/XX/XXXXXXXX  have been reiterated here per bureau, as this complaint serves as a follow-up : XXXXEXPERIAN : XXXX XXXX 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 2024-04-16
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. (TN)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED
Consumer complaint received 2023-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one bank on XX/XX/2023, ran my credit as a hard inquiry with all three credit bureau without my consent. I have not yet received a letter with my consent from Capital one that I authorize them to run my credit. I need this hard inquiry removed from XXXX, XXXX and XXXX its hurting my credit score.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (DC)

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 XXXX step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.