davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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. (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 account # XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXXDept of Ed account # : XXXX XXXX U.S.C XXXX section XXXX A. XXXX 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 an 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 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Systems International, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synerprise Consulting Services, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, 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. (TX)

I contacted experian regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: All State Credit Bureau, Inc. (MI)

I never owed {$420.00} to XXXX XXXX XXXX, but paid the " debt '' anyway because they threatened to send it to collections. I paid the debt in XXXX of XXXX. My credit report shows the collection account was opened in XX/XX/XXXX, a full year AFTER I paid the debt. Not only is he date of the collection incorrect, this debt is too old to be on my credit report.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Experian should be investigated for fraud. On their system, our credit score is significantly lower than XXXX  and XXXX  ( the score is similar on those two ). The exact same information is reported to and on all three systems. Experian however, offers to boost our scores if we pay them {$50.00}. So, my score is intentionally posted significantly lower on their system with promise that it will be increased if I pay their bribe? 

If you look at the other reporting agencies through Experian, the scores are close. If you look at all three independently, our scores are significantly higher on the XXXX  and XXXX  sites.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

During the pandemic I had trouble keeping up with credit card payments. I enrolled with a non profit credit counseling agency ( XXXX XXXX XXXX XXXX XXXX  XXXX aka XXXX ) in XX/XX/XXXX. XXXX Representatives reached out to all of my Credit cards enrolled in their program to reach a terms of agreement and payment agreement. Note this was not a settlement. Full account balance payments would be paid but negotiations were made on lowering interest rates and amount due every month. My problem lies with one of my credit cards from Synchrony bank XXXX XXXX XXXX XXXX account. 
Synchrony agreed to XXXX agent proposal for no interest and a specific amount to be paid monthly and I have been making those payments regularly every month as agreed to XXXX who disperses payments to the creditors. Now in XX/XX/XXXX XXXX notifies me that Synchrony bank for XXXX XXXX XXXX account is charging me an extra $ XXXX. The XXXX agent and myself called on a conference call to inquire about the charge. Synchrony said that a promotion on the card ( which I knew absolutely nothing about and was NEVER discussed in XX/XX/XXXX or time of purchase in XXXX ) expired and since I didnt pay the full amount by XX/XX/XXXX XXXX 3 months after I enrolled in XXXX  Program ) I have to pay full interest for the balance. I expressed that I knew nothing about this and this was not discussed with me or the XXXX agent at the time of our new agreement in XX/XX/XXXX. They are now breaching the new contract we made in XX/XX/XXXX to charge me interest. This was lack of communication on Synchrony end and very deceitful. They agreed to have me pay the full amount with NO interest and now decides to charge me full interest on the balance. That is completely wrong. I would like the XXXX charged to my account removed as they failed communicating this with their customer and to the XXXX agent and are breaking an agreement. Regarding account ending in XXXX
Consumer complaint received 2023-03-31
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 updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my free report and all information related in this matter. 

The fraudulent accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TN)

Im attempting to refinance a $ XXXX mortgage with Better.com. My credit score is XXXX. I have over {>= $1,000,000} in liquid assets and over {>= $1,000,000} in other real estate. They keep asking for unneeded documentation. I believe it is because I got a good rate and the rates have since moved up. 
EXAMPLE : They ask for my XXXX XXXX. Its not due till XX/XX/XXXX but I had it so I sent it to them. Their next correspondence asked for my XXXX XXXX. 
EXAMPLE : They ask for proof that I had paid my outstanding tax debt for XXXX. I have no outstanding tax debt. I sent them a copy of the check where I had paid my taxes for XXXX by XX/XX/XXXX. Their next correspondence asked for proof I had paid my outstanding tax debt. 
I could go on. If you want more I got it. But bottom line very frustrating to deal with a shady company with obviously not good intentions. I strongly advise other consumers not to go anywhere near Better.com.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I was ask to switch my XXXX by Coinbase. They would not allow me to move my funds unless I did. When did complied and I tried to move my funds they Restricted my account not allowing me to move or sell my funds to retrieve my funds. No reason was given No Customer Support No path to resolution. Nothing. That was over a month ago.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I have been assessed a {$100.00} fee that I am not responsible for. 

Mr Cooper Mortgage of XXXX, TX has charged me {$100.00}, accusing me of changing my bank account number. 

The details are in the attachment.
Consumer complaint received 2021-03-18
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: EQUIFAX, INC. (MO)

I obtained my 3 in 1 credit report from Equifax Complete Premier Plan on XXXX XX/XX/XXXX. I was informed on the website that I could cancel at any time. I canceled after I obtained the report by calling XXXX. They had overcharged my card and they did refund my money at that time. I continued to be charged {$19.00} per month. I called on XXXX XX/XX/XXXX and spoke to XXXX to get the refund for the previous months and he stated that they must investigate this. He wants me to agree to a cancellation today. I have asked that they back date the cancellation to XXXX XXXX when I first called. I repeatedly requested for them to listen to the calls to verify my claim of cancellation and they will not do this over the phone. They have placed an escalation on this. I do not trust they will do the proper follow through.
Consumer complaint received 2024-01-30
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. (NJ)

I am writing to formally dispute several hard inquiries that have recently surfaced on my credit report, which I obtained from your agency. Upon a careful review of my credit history, I have identified specific hard inquiries that I believe to be inaccurate and request their prompt removal.
Consumer complaint received 2023-03-09
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. (PA)

This is my follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian notified me of a medical debt. I never was a patient at the facility and I reached out to the medical debt collector to provide documentation to me. This documentation was never received. I asked Experian to also provide documentation that this debt belongs to me. No one has given me any documentation for this debt and it still remains on my credit report. I have sent certified letters and multiple requests and still no response with any verification.
Consumer complaint received 2023-03-31
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXXXXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-23
Product: Credit 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: BARCLAYS BANK DELAWARE (NJ)

I write to follow up on Complaint No. XXXX of XX/XX/XXXX which remains without a written response from Barclays, and now it appears Barclays has taken action which puts my health insurance coverage at risk. I have repeatedly called the direct line included in Barclays letter of XX/XX/XXXX and have been unable to speak to anyone despite the now urgency of the matter. 

The issue, first reported on XXXX XXXX, XXXX, is an overcharge in the amount {$280.00}. Barclays has gone back and forth between temporarily reversing such amount and then reapplying it to the account. Since my last complaint of XX/XX/XXXX, it appears that Barclays contacted the merchant, cancelled its original XX/XX/XXXX payment to the merchant, and then paid the merchant an amount {$280.00} less than the original payment amount all of this without my knowledge, consent, nor any communication with me. Now, the merchant is contacting me for payment of the {$280.00}. Thus, I am still being overcharged in the amount of {$280.00}, since I paid Barclays an amount of {$280.00} above the amount which Barclays paid the merchant. The merchant happens to be my health insurance provider. Thus, Barclays now has put my health insurance coverage at risk. 

When Barclays explained in its XX/XX/XXXX letter referenced-above that its contract stipulated a XXXX  % foreign transaction fee and provided me with a copy of such contract, I proceeded to pay the approximately {$400.00} fee which I had originally questioned even though I found it very excessive. I mention this, because ( i ) it was a second issue included in an earlier complaint, and ( ii ) as example of an issue that was resolved once Barclays provided information in response to my complaint. 

Since XX/XX/XXXX, Barclays has not yet been able to provide an explanation of the apparent overcharge. I simply do not understand how I charge one amount on my account and Barclays charges me {$280.00} more. Nor do I understand how in its effort to handle this matter, Barclays now reverses the XX/XX/XXXX transaction with the merchant to now pay it {$280.00} less than the original payment, while Barclays received a higher amount from me. If there is an explanation for this, I ask that Barclays provide it. If there is no explanation, then Barclays should correct the overcharge. 

Lastly, I reiterate how extremely difficult it is to have any communication with or response from Barclays. Since XX/XX/XXXX, I have been attempting to resolve this issue. I am very interested in resolving it once and for all and closing my account with Barclays as soon as possible. 

Thank you.