davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
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. (SC)

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX  and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. 

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX  and Transunion and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. Transunion did reflect some updates but not all.
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (UT)

I see a collection amount of {$410.00} on my credit report that, I believe, is not owed by me. XXXX XXXX XXXX has continuously billed me and indicates my original account number as ending in XXXX indicating also the original creditor as " SYNCHRONY BANK TJX ''. I sent a written letter to Synchrony Bank asking for details on charges incurred when the original purchases were made indicating the information I got from XXXX XXXX mentioned above. The response I got from them however, says they are researching their account " ending in XXXX, a BananaCard account ''. Then they apparently forwarded a letter to XXXX ( I received a copy of the supposed communication from Synchrony to XXXX ) saying their TJX account ending XXXX was indeed delinquent, and that the amount owed at the time of sale to XXXX was {$410.00}. Since I didn't receive a satisfactory complaint from Synchrony, and am back where I started, filed a complaint with the CFPB via their agent. Synchrony then responded with a message stating the delinquency is correct. However, the detail attached to their response shows a person name XXXX XXXX for an Old Navy account ending in XXXX. This is clearly for a different person and account. 

My name AGAIN, is XXXX XXXX, not XXXX XXXX. The account shown on my credit report is TJX ending in XXXX. I need a response as indicated below : 1. Copy of original credit card application 2. Statements indicating the exact charges for purchases, location of the purchase ( online or physical store ) 3. Dates purchases were made 4. Clear detail for the method used to arrive at the amount owed of {$410.00}. 

I have attached two files. The first shows the latest information uploaded as evidence of " resolution '' in response to my last CFPB complaint. The second, is the history so far, showing the XXXX claim, my letter to Synchrony trying to get to the bottom of it, and their response about some random other account ( ending in XXXX ) which is not mine. 

Once I receive the CORRECT information, I will respond appropriately and promptly. 

Thanks. 

XXXX XXXX
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called Capital One on XX/XX/20 to have my payment and interest waived due to being out of work as a result of the COVID-19,  which has been ongoing since XX/XX/20. I spoke with a CSR who waived payment and interest forXX/XX/2020 and advised that my payment was not due until XX/XX/2020. When I proceed to ask about interest ( XXXX and XX/XX/2020 ) on my account that I requested to be waived due to being out of work as a result of the COVID-19, she advised that she had to transfer me to a supervisor. I was transferred and spoke with XXXX-supervisor ( ID # : XXXX ) onXX/XX/20at approximately XXXX XXXX  CST, who advised interest could not be waived for XX/XX/2020 or XX/XX/2020, but she stated that customers who had not paid their XX/XX/2020 payment had their interest and payments waived.  Inadvertently, since I had already made my XX/XX/2020 payment ; I was penalized and was not extended the same courtesy as other customers. All I asked was that my XXXX and XX/XX/XXXX interest be waived since ( as the courtesy had been extended to other customers ) I had already made my XXXX   payment. My interest for XX/XX/2020 is {$64.00} and interest for XX/XX/2020 is {$57.00}. I attempted to resolve the issue by asking the supervisor to take a complaint and have someone in Upper Management reach out to me with a resolution. She advised that she could not make make any promises that anyone would call be back with a resolution.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX
Consumer complaint received 2022-08-17
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I have hospital debts that are not mine. I remember two instances when I went to the hospital with my mom and I took my brother also for an injury. But I personally never went for myself. I've reached out to the credit bureaus and debt collectors themselves but they haven't responded in 60 days. It pains me to have these incorrect items on my credit report that are causing me distress.
Consumer complaint received 2021-06-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (VA)

At first, when I paid the monthly payment, I thought that the whole money I am paying for would go to the Car, it turns out that I owe less money for the Car even though they put my statement as I owe them more. Instead that they lower the amount for the car, they steal it! They use just a little part from Interest but use most from both Interest AND PRINCIPAL FOR THEMSELVES! It is supposed to be less than {$7500.00} but they are stating it still as {$10000.00}. I have been paying my payment on time, so they have never been taking any Late fees.
Consumer complaint received 2021-06-18
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. (NV)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. 

Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

We are currently refinancing with another company and need a pay off from our current mortgage company called Freedom Mortgage ( phone # XXXX ). They keep lying to us for the date of pay off delivery and we can loose our rate and refinance, where we are saving {$250.00} per month. Our closing attorney requested it on XX/XX/20 and we have proof it went through- now they say they can not find it. Then we directly made a request on Friday as borrowers and they promised 3 days turn around, this morning they say it will be another 2 days or more. they are not ready to serve their clients in the case of disaster, though we hAVE NO idea how that effects them as the calculation is done by a computer. As far as we know they are the only ones that people are having problems with. They also tried to force us into refinancing while giving us 0.625 % higher on the rate we would be getting currently. Please help us!!!! XXXX and XXXX XXXX.
Consumer complaint received 2021-06-18
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)

There is one account and one inquiry on my credit report that is not mine I have sent letters to the bureaus as well as the furnisher reagrdign this and nothing is being done for this I need help please. 

XXXX XXXX - Account XXXX Date opened XX/XX/XXXX Amt {$0.00} Inquiry XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-03-19
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. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-03-19
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: LEXISNEXIS (OH)

Called XXXX  and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that XXXX  has not reached out to them and that they have not verified any information. I was informed that XXXX  uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files
Consumer complaint received 2021-06-18
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I was a victim of identity theft, I filed a report with the FTC and sent the documentation to XXXX XXXX XXXX XXXX, but they are still reporting this to the credit agencies. XXXX XXXX is trying to ruin my reputation.
Consumer complaint received 2020-03-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (AR)

ON Saturday XX/XX/2020 I agreed to purchase a truck from XXXX. She has an account with Ally Financial who hold the title for the truck ( XXXX XXXX XXXX. The truck had a payoff as of XX/XX/2020 of {$7500.00}. On XX/XX/ XXXX and I sent a cahiers check to Ally financial via XXXX XXXX for that exact amount with a letter directing Ally to send the title to XXXX XXXX/ XXXX and my address. On a phone call with Ally on XX/XX/XXXX we were told that getting the title would take about 3 weeks and we should include a letter directing them what to do with the title. It has now been over six weeks and Ally has not sent the title even though Ally sent a text indicating they were processing the title/lien release on XX/XX/2020.
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland credit called before XXXX mountain standards time. I called back and informed XXXX who is dealing woth my account that if he was licensed in CO he would know he cant call before XXXX. That per the CFPB guidelines that is not allowed. He just kept saying mmhmm and that I called him. I stated I'm calling you because you called me at XXXX and I have rights as a detor and they can't call me before XXXX mst. 

I've already deputeded this debt with the company due to I have paid off my balance XXXXXXXX XXXX.
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for how many days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I had Equifax put a credit freeze on my account in early XXXX because of a number of hacking attempts. This month -- XXXX of XXXX -- we bought a new car and the salesman said he encountered a credit freeze. I explained the situation and told him I would contact Equifax to have it removed. I spent nearly four hours on the phone and online trying to get this corrected with no result. I wound up talking with two different men somewhere in XXXX, whom I largely could not understand and who questioned me about credit cards and other items I had 10 years ago. The online effort was just one continuous round and round with no positive result. I contacted our local U.S. Representative 's office who directed me to you. The car dealer wants to know when I can get this situation fixed, but I can not make contact with anyone at Equifax in XXXX. Please help! 
Thank you.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (ME)

The XXXX website makes it appear that when you apply for their Credit Card you will get a {$200.00} discount immediately off the the ticket price from the flight. What it does not disclose in a transparent manner is that it is a statement credit. Based off the appearance of the information bellow the ticketing information it is deceiving to the consumer. This is very misleading.
Consumer complaint received 2020-03-19
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. (FL)

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-03-19
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. (CA)

I've reached out to XXXX XXXX several times regarding this fraudulent account that I didn't open. My identity was stolen and this account was opened as result of me being a victim of ID THEFT. I contacted XXXX XXXX numerous times and provided Police Reports and other documentation supporting that I've never opened any account with them and that this was a result of my Identity being compromised. I wasn't even in the country during the alleged time this account was open and this information used to open the account doesn't match my Drivers License number or address, phone numbers or email. XXXX XXXX continues to ignore the matter and this complaint has fell on deaf ears. If resolution isn't resolved then I will begin to take legal action against XXXX XXXX and Credit Bureaus for reporting erroneous fraudulent information.
Consumer complaint received 2020-03-19
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 first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}
Consumer complaint received 2020-03-19
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 first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX XXXX XXXX {$60000.00} US DPT ED XXXX {$2600.00} US DPT ED XXXX {$3700.00} DPT EDXXXX XXXX {$3700.00} XXXX  XXXX XXXX {$400.00}
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

Last year I discovered a false account with Discover Bank reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover Bank denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover Bank refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2021-06-18
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.