davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

Two weeks ago I placed an order with a company that did not provide the address ; after paying for the products via PayPal, I found out the company was in XXXX not the US. I immediately cancelled this order online as this company, XXXX, has a 24 hour window to cancel the order. The company attempted to make me accept a " cash coupon '' and I continually refused. This account is now in dispute with PayPal but they are still asking for a payment to be made on this account even though this is in dispute. 
Dispute Case ID : XXXX Transaction Amount {$110.00} Dispute Amount {$110.00} Transaction ID : XXXX Transaction Date : XX/XX/2018 XXXX attempts to force me to keep this purchase by continuing to send the items even though I cancelled this order immediately. 
PayPal Disputes keep saying conflicting statements : we will refund you the money since you cancelled this order ; no, we will not refund you the money as we do not deal with buyer 's remorse ; FAX your emails to the company to PayPal at XXXX ; then no we do not accept fax. 
Thus, PayPal continues to request that I make payments on time when there are two ( 2 ) disputes that equals the balance. I am refusing the packages on these disputes ; however, it will take forever to get back to XXXX. 

PayPal continues to misrepresent the truth, will not give the correct fax numbers ; can not contact PayPal via the portal. This is an absolute mess. PayPal is horrible. It is far better to only purchase via XXXX not directly with PayPal.

It seems that PayPal knows many of the goods are defective and poor quality from XXXX and it is so very hard to secure a refund or return the products. 

Second Dispute XXXX XX/XX/2018 {$24.00} This item arrived on XX/XX/2018, I am refusing this item and giving it back to the post office unopened to send back to XXXX.
Consumer complaint received 2023-11-20
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-05-11
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. (GA)

This is my 7th 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 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AV XXXX XXXX GA XXXX XXXX D XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX FIN XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} XXXX  XX/XX/XXXX XXXX 'XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I have been trying to contact Experian to cancel an account I never authorized with them. They are charging my credit card {$23.00} per month. I tried to cancel online and can not see how. I tried calling on the phone and there is no operator to speak to. I have sent numerous e-mails and tweets and have not heard back at all. 

I am severely disappointed.
Consumer complaint received 2023-11-20
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)

There are some fraudulent inquires and fraudulent account opened under my information which was a result of ID Theft. I contacted XXXX to dispute the info, and one of the supervisors advised to file ID Theft report through FTC and send them the report along with my ID, Social Security Card, and Utility Bill. All the requested documents were provided via USPS Priority Mail. They confirmed that the items were received and state that it is not enough. I asked them what else do they need to resolve the issue, and they said contact FTC to know more. No concret answers. Their representatives provide different answers every time I call. They have no knowledge about consumer protection and FTC procedures, barely speak XXXX and could not clearly state what they want.
Consumer complaint received 2023-05-11
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. (OH)

I sent a letter last XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00}
Consumer complaint received 2023-05-11
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. (AR)

After I asked to not be referred to as formerly XXXX on my TransUnion file, the company sent a letter stating that they did not understand the nature of my request. Or it was illegible.? Then goes on to request examples of other complaints that I may have.
Consumer complaint received 2023-11-20
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)

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 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (SC)

According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT under the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT law and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
Consumer complaint received 2015-11-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Mortgage Servicing Company refusing to initiate loss mitigation options, never sent modification forms out as stated in the beginning stages of notifying the lender of a financial hardship. My last payment posted to the account was XXXX XXXX, 2015. I have equity in my home and now have no options but to loss my home and equity per FHA, XXXX XXXX and NationStar. My Realtor contacted NationStar and was told the system would n't allow them to open loss mitigation options. Even when there was plenty of time to consider options.
Consumer complaint received 2020-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (CT)

Good morning, Thank you for taking the time to look into this issue that I have with my private student loan company Sallie Mae.

Enclosed you will find a letter that sent to them regarding the drastic drop of 75 points in my credit report due to a derogatory remark. In addition to the letter I also provided my bank statement showing the Sallie Mae withdrawals that had to be made in order for me to continue with the 1 ) No derogatory remark on my credit report and 2 ) Money to be put down so I can get into the deferment plan due to my job loss from Covid 19. As you can see this letter was sent to them on XX/XX/2020, and still have no response from them. 

Please help me get this matter resolved so I can get gradually get back on track. 

XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This complaint is in regard to a reinvestigation done by EXPERIAN INFORMATION SOLUTIONS. According to the most recent reinvestigation that was commenced on XX/XX/2024, involving XXXX XXXX  loan accounts, upon review of my consumer disclosure report given by EXPERIAN INFORMATION SOLUTIONS on XX/XX/2024, the reinvestigation was finished. I noticed that the updated the account s that were in dispute but did not correct the inaccurate information being reported from those accounts. The inaccuracies consisted of missing payments classified as 'No data ' and random late payments that reflect as one '90 day ' late payment. The accounts that I disputed still remain inaccurate with the same issues showing. These accounts remains both incomplete and inaccurate. XXXX XXXX XXXX ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (FL)

In accordance with the Fair Credit Reporting Act, XXXX FORD INC has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In accordance with the Fair Credit Reporting Act, XXXX has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Take a look at the documents attached. I would like the bureau to commence an examination of these accounts, as I have never been tardy with payments, yet they are erroneously marking me as overdue.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX  the 3 major credit bureaus had a hard inquiry for a credit card from XXXX XXXX. I called XXXX saying I did not authorize any credit pulls or hard credit inquiries, and they mentioned that banks do not need any permission to submit any hard inquiries to anyones credit report ( even if it hurts the score ). 

I called XXXX XXXX  and they denied pulling a hard inquiry and they claimed they have no records of such pulls on my SSN. Despite the fact that all 3 major bureaus mentioned it.
Consumer complaint received 2023-11-20
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. (GA)

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 2023-09-23
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. (TN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items 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 calls to believe that the information is inaccurate
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I am writing to express my deep dissatisfaction and frustration regarding an unresolved issue with my Hilton branded credit card, ending in XXXX. The entire experience has been incredibly inconvenient and confusing, leaving me feeling dissatisfied as a loyal customer. 

On my last statement, which closed last month, I had a remaining balance of {$41.00}. Seeking options to downgrade my card, I contacted one of your agents who informed me that if I chose to keep my card open, I would receive a credit of {$100.00}. Considering this offer, I accepted it and was pleased to see the credit posted to my account within a few days. However, the credit resulted in a negative balance of - {$59.00}. 

I requested a refund of the credit balance, which was thankfully provided. However, to my dismay, I recently discovered, on XX/XX/XXXX, that my statement balance still showed as {$41.00}, despite my total balance reflecting as {$0.00}. Perplexed by this inconsistency, I contacted your customer agent for clarification. Unfortunately, I was forced to pay the {$41.00}, even though I had a zero balance, with the assurance that it would be refunded to me subsequently.

Regrettably, I complied with the request and made the payment as instructed. Now, I find myself in a situation where I am being asked to XXXX American Express once again, after a few days, in order to obtain the refund that was promised. This ongoing back-and-forth and the lack of resolution are not only inconvenient but also deeply frustrating. 

As a valued customer, I expect a higher level of service and transparency from American Express. The series of events surrounding this issue has caused unnecessary confusion and inconvenience on my part. I strongly believe that this situation should have been handled more efficiently and professionally. I hope that steps will be taken to prevent such issues from occurring in the future, as they undermine the trust and confidence I have placed in American Express. I trust that you will give due attention to this matter and provide a satisfactory resolution at the earliest possible time. I value my relationship with American Express and look forward to your prompt response and appropriate action.
Consumer complaint received 2023-11-20
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. (SC)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has federally protected consumer rights to privacy and confidentiality under 12 UDC 1681. 

Accounts Account # XXXX XXXX XXXX... 
XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 

12 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 con not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting may make any consumer reposts containing any of the following items of information, other than records of convictions of crimes with antedates the report by more that's seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Consumer complaint received 2023-11-20
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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.