davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (MD)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-01-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-14
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. (OH)

This is the second time I have a complaint about this account XXXX  XXXX  XXXX  # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (PA)

Applied for a credit card that I never received. Called company to ask about status of card and was told there were unauthorized transactions on the card. Told that account was closed and new card was sent to me but never received card. Neighborhood has had complaints of people stealing mail and packages. Spoke with Discover multiple times told me they would fix the situation only to put me through financial hardship for about two years. This has hurt my chances on getting new credit with fraudulent delinquency on credit report. This has hurt me for two years I havent been able to get a house because of this. Discover opened the account without my consent I wasnt the one who initiated the original activation of the card.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

This is in regard to my credit card XXXX, XXXX violated visa rules and FCRA, I start XXXX disputes with wellsfargo, XXXX was declined and XXXX was resolved to make thing sample i Prepay the claim amount of {$100000.00} XXXX {$36000.00} XXXX ) After dispute was resolve, XXXX case was denied, they refund {$36000.00} XXXX ( {$72000.00} ) They issue a check, XXXX month later, wellsfargo return the check, reverse the dispute. and recharge my account of $ XXXX XXXXmonth later, They own policy is to resolve the dispute in 60 to 90 days. and visa policy is 90 days or less. and the case, dispute was prepaid in the first place of {$100000.00} to resolve any issue. still return, reject they own check, recharge my account. unbeliveable
Consumer complaint received 2021-01-14
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: VEROS CREDIT, LLC. (CA)

your making my credit score terrible and the info you have is incorrect and not true i was in XXXX  during those years wrong person my info was used before also i just recently found out for multiple things that are not me .that are affecting my credit negatively please erase your remarks on my report thankyou
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

I tried to fix this and contact the company on Monday XX/XX/XXXX, XXXX. I tried three months ago. I honestly, had forgotten about the bill as-well. But, they won't let me pay it directly from my bank because they say it's been denied. Than how am I supposed to pay it? I don't have an alternate bank account I can pay it with and that's hyper unreasonable to ask.
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Upon exiting forbearance, I applied for the Homeowners Relief Fund and received an escrow payment from the state of Florida. However, I have recently been informed that my payment projection for this year includes over {$4000.00} in escrow fees that I apparently owe. I attempted to address this issue in XXXX of last year by contacting the responsible party, but have yet to receive a response as of today, XX/XX/2023. Unfortunately, I am currently unable to make a payment of {$1700.00} due to the fact that the funds from the state of Florida were applied incorrectly. As a result, I have spent numerous hours attempting to resolve this matter, but every time I manage to speak with someone, I am placed on hold and the call eventually drops. It is unacceptable that I have had to invest so much time in resolving an issue that was caused by their mistake. I am seeking assistance in resolving this matter and reclaiming the time and effort that I have lost due to this situation.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to SYNCHRONY BANK/CARE CREDIT along with Exhibits stating violations per USC 1692d ( 1 ) .SYNCHRONY BANK/CARE CREDIT is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Consumer complaint received 2023-06-21
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: Simon's Agency, Inc. (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhard v. gravens ( mo ) 281 SW 715,719 I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-01-14
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. (CA)

I've filed a dispute by mail to Transunion on XX/XX/2020 regarding alleged collection account creditors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Transunion has not properly investigated this creditor as they claim it has been verified. Pursuant FCRA 623 I'm demanding this account be properly reinvestigated and removed from my credit report and file.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have been denied credit several times from different vendors who use Experian. I have been told I have no credit history. I recently attempted to refinance my home and was told no score from Experian. 

On XX/XX/2021, I called Experian and was on hold for over 20 minutes. When an overseas customer service person came on the line, she was adamant that I had no credit because the only credit card I had was closed. I told her I am a XXXX-year-old male who has had 3 different mortgages, new car purchases, several credit cards, and decent credit ( XXXX ). She said she would look into it and then said she could not figure out why it wasn't showing my creditors infromation. She said she would get the DATA department to speak with me and placed me on another 15 minutes hold. A second person answered ( also overseas not DATA department ) and I had to explain my issue again - he too couldn't figure out why. MY frustration was getting too high and I asked him for a representative in the US. He said he would get one on the line right away, and put me on another 20-minute hold until I hung up. I called another number for Experian and got transferred to a customer service representative, overseas of course. This person had no idea why either, the rep offered to send me a copy of my credit report, not fix my issue- ridiculous. This is ridiculous that Experian is reporting incorrect information and I get the runaround and placed on hold by unknowledgeable customer service representatives. Sadly Experian is the worst in customer service and is the only bureau that is reporting my credit incorrectly. This is an important issue as this affects my family 's livelihood and mine!!!! Fix it!!!!
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

We have called several times for arrangement on our car payment and setup a deferment signed and dated XX/XX/XXXX and returned through email like requested. Fifth third claimed they did not receive so we resubmitted another document on XX/XX/XXXX. XX/XX/XXXX I spoke with XXXX at Fifth Third Bank about Covid hardships and they setup us up for a 3 month deferment. I signed and dated all paperwork the same day and emailed it back. I was assured that they received the email and We were told that our payment would not be due again until XX/XX/XXXX. I have all documents. They then sent out a repo truck and repoed our vehicle XX/XX/XXXX.
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (IL)

I am making a formal complaint that XXXX, Equifax, and XXXX  are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following addresses do not belong to me nor have they ever belonged to me : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX I am so confused as to why they continue to NOT erase these addresses from my credit file, even after I have sent in notarized proof of my address. this is how other erroneous information can be attached to my credit file. I have written them on 2 separate occasions asking them to correct this very serious error in reporting. However, all they have done is stated that my file is Updated without deleting the other false addresses. Can you please help Please delete this misleading information, and supply a corrected credit profile.
Consumer complaint received 2021-01-14
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. (IL)

I am making a formal complaint that Transunion, XXXX, and XXXX  are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following addresses do not belong to me nor have they ever belonged to me : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am so confused as to why they continue to NOT erase these addresses from my credit file, even after I have sent in notarized proof of my address. this is how other erroneous information can be attached to my credit file. I have written them on 2 separate occasions asking them to correct this very serious error in reporting. However, all they have done is stated that my file is Updated without deleting the other false addresses. Can you please help Please delete this misleading information, and supply a corrected credit profile.
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC, XXXX XXXX XXXX, XXXX, VA XXXX. Claims I owe {$230.00}. but when I asked them to further verify the debt since I believe I paid the original creditor in full
Consumer complaint received 2021-01-14
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)

This is the second time I have a complaint about this account XXXX XXXX XXXX # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
Consumer complaint received 2021-01-14
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. (CA)

I've filed a dispute by mail to Experian on XX/XX/2020 regarding alleged collection account creditors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Experian has not properly investigated this creditor as they claim it has been verified. Pursuant FCRA 623 I'm demanding this account be properly reinvestigated and removed from my credit report and file.
Consumer complaint received 2021-01-14
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: EQUIFAX, INC. (SC)

I am unclear why my equifax score is below 800 but my XXXX XXXX score is over 800. I pay my bills ahead of time and have no late or missed payments. My fica score is around 833. I dont know how equifax came up with this score.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I am reporting a highly predatory practice from Synchrony bank and hope you can assist to get the issue resolve to eliminate or moderate the high interest rate. Synchrony provided a credit account with low interest grace period. I have been paying more than adequate amount monthly on time during that period. When the end of grace period was approaching, Synchrony XXXX sent any notification letter as reminder. Now, XXXX weeks after that period, it charges me XXXX XXXX XXXX interest of the entire balance starting from XXXX months ago. Ive called the support service multiple times and its customer account service individuals were not helpful and demonstrated no interest in getting the issue resolved in terms of lowering the rate and alternative way as I am willing to pay what is appropriate. Then I immediately paid off the remaining principal to show my good faith. However, when I asked the support individuals if there is any person/department who can help this again several times, the answer is big cold NO. All of those show the company has no interest to taking into account consumers interest. I can understand company would like to grow business by making more money, but I also believe in todays environment the company should also behave ethically to take some social responsibilities to build mutual beneficial relationship with customers instead of grabbing the money in ways it sees convenient, especially I am willing to work with them to get it resolved in this case. I really appreciate your time reading this message and hope you can help me to resolve this matter by lowering or eliminating high interest rate to protect consumers interests as I am paying more than {$11000.00} interest for a {$35000.00} loan ( currently all principals paid off )
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

My mortgage was originally handled with XXXX XXXX XXXX with the first payment due by us on XX/XX/XXXX XX/XX/XXXX Payment for {$2700.00} using XXXX account number XX/XX/XXXX I received an AmeriHome statement that they had not received payment. I immediately realized that I needed to use the AmeriHome account # and that my bank had returned my XX/XX/XXXX payment XX/XX/XXXX I sent 2 payments for {$2700.00} each for XXXX and XXXX. I also called AmeriHome ( XXXX # XXXX ) to let them know of the situation. She told me to wait until the end of the week to see if the payments posted. 
XX/XX/XXXX Both payments cleared XXXX ( proof of payment from XXXX attached ) XX/XX/XXXX Payments still not posted on my AmeriHome account. Was told to send proof to XXXX. I did and received an email back that I would need to communicate via their secure website. ( Both emails are attached ) XX/XX/XXXX Sent proof through their secure website as instructed which was confirmed by them on XX/XX/XXXX ( Communications are attached ) XX/XX/XXXX @ XXXX called AmeriHome and spoke to XXXX she transferred me to finance to check the encrypted communications and gave me their number XXXX in case we were disconnected. Spoke to XXXX who confirmed receipt of my correspondence. We confirmed the proper account number was noted. She did not see the payments posted. We discussed me calling XXXX to again confirm and verify payments. The call was dropped and I did not have time to call at that time. 
XX/XX/XXXX I called XXXX XXXX spoke to XXXX who confirmed that payments had cleared. She explained that meant it was in AmeriHomes system now. We confirmed account numbers. She also offered to set up a direct call with AmeriHome. 
XX/XX/XXXX called AmeriHome XXXX Spoke to XXXX ref # XXXX. He stated that they had not received any payments from us and that there was no communications from us and that our mortgage was in default. I asked for his supervisor after waiting another 30 minutes he told me that no one was available. He also reiterated that they had no correspondence from me. I asked him to look back at my call from XXXX on the XXXX and he said she had wrote the same thing. I told him I was looking at the confirmation on his website and he just repeated they had nothing from us. 
XX/XX/XXXX Called XXXX XXXX spoke to XXXX case # XXXX. She respectfully listened made notes and gave me suggestions on how to proceed and that they
Consumer complaint received 2021-01-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.