davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (OH)

I applied for and was approved for a Lane Bryant credit card on XX/XX/2021. 

I used the card and purchased XXXX worth of clothing. I never received a bill or credit card from them and called XX/XX/XXXX or close to that date asking where my statement and card was. They were supposed to remedy the situation and I have been waiting for the replacement card and a new statement. 

They did reverse the late fees and interest because I did not receive either. I told the clerk at the store my correct address including the po box number and street address. At my first call to the company I told them again my po box and street address. I have not received an updated statement or credit card from the first XXXX telephone call. 

Today I called and asked about the replacement card and statement and they said I would have to send in a current utility bill with my address and name on them. This was never told to me at any time when I applied for the card or when I called and asked for a replacement card. I am trying to pay the bill on my banking site, but I don't have an account number to put on the payment site. I am never late making payments on any account that I owe. This makes me look bad and I don't appreciate the run around I am getting since I did give them the correct information. The contact at Lane Bryant gave the post office and holiday excuses. I went to the Lane Bryant site after hanging up from the representative and was going to pay my bill. She told me they could get my number with the last XXXX digits of my Social Security number. Not right, it doesn't work that way. They want to know the card number and I don't know the card number because I don't have the card.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my 3rd time trying to fix this with XXXX. My next action will be to hire a lawyer and report them to my States Attorney General and the Federal Trade Commission. This account was closed in XXXX due to charge off status. XXXX is reporting a last payment in XXXX which would change the first date of delinquency. ( ACCOUNT HAS BEEN REAGED which is a FCRA violation ). This account has reached it 7 year mark and should not be reporting on my credit report. This is my last attempt to get you to remove this charge off that has caused emotional damage etc. to me. You are to remove this account immediately.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We have an account with Bank of America merchant services XXXX ( account number XXXX ) for our XX/XX/2022 invoice we got a charge of {$59.00} this charge is not in our agreement since we didn't process any transaction during this period, the original agreement was a percentage per transaction volume with XXXX maintenance. 

Please refund or cancelled our processing agreement/account. 

Thank you.
Consumer complaint received 2022-10-13
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (SC)

Two problems. First : I paid off my home mortgage with Synovus Bank on XX/XX/2021. I contacted Synovus the following week to ascertain when my funds remaining in escrow ( for property taxes and insurance ) with Synovus would be refunded to me. I emailed back and forth with a woman named XXXX at Synovus who told me the banks policy is to refund escrowed monies 22 business days after the loan is paid off. 22 business days is far too long for Synovus to hold my monies, but the bank would not agree to do it sooner. 

Second and main problem : I finally received a check from Synovus for the above funds on XX/XX/XXXX and, using my mobile banking app, deposited same in my XXXX XXXX Bank checking account. On XX/XX/XXXX I received notification from XXXX XXXX via text and email that they had placed a hold on this deposit and deducted the full amount from my checking account. I immediately contacted XXXX XXXX to determine what the problem was. I spoke via phone with XXXX who told me XXXX XXXX was not able to verify availability of funds with Synovus and therefore we put a hold on the deposit. 

I then called Synovus and spoke with XXXX who, after looking at the Synovus account the check was drawn on, told me there were no issues with the account and no reason for XXXX XXXX to hold the deposit. 

I called XXXX XXXX back on XX/XX/XXXX speaking with XXXX and then XXXX in the Client Advocacy Dept. who told me XXXX XXXX had received notification from Synovus that there had been suspicious and/or fraudulent activity in the Synovus account the check was drawn on and thats why XXXX XXXX put a hold on the deposit. 

I promptly called Synovus back, spoke with XXXX again and relayed the information regarding the Synovus account given to me by XXXX XXXX. XXXX said she would check with her Payments Dept. about this and call me back. She called me back after checking with her Payments Dept. And said there were no problems on Synovus end and that XXXX XXXX should have no issues with clearing my deposit. XXXX also told me I could take the check to any Synovus branch and they would cash it. Unfortunately, there are no Synovus branches anywhere close to where I live. 

Frankly, I dont know whats going on between Synovus and XXXX XXXX XXXX I feel like Im caught in the middle of something I cant fix. Please help me get my money.
Consumer complaint received 2022-04-12
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. (MS)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX - has violated my rights. 

15 U.S.C 1581B Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

DID I GIIVE YOU WRITTEN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT? 

FUTHER MORE THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 I HAVE NOT GIVING TRANSUNION, XXXX, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT. 

This Agency is in violation of 15 U.S.C 1681
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (NC)

In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX acct # XXXX, XXXX XXXX  acct XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, original creditor monthly payment acct # XXXX, XXXX acct # XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-28
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. (OH)

The issue has been ongoing since XX/XX/XXXX. There was XXXX negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX _ original debtor ( XXXX XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX $ XXXX XXXX _ original debtor ( XXXX Rental ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX debtor ( Surge ) I contacted Experian, XXXX and XXXX and XXXX a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however Experian did not, Experian state that the creditor meet XXXX guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the XXXX XXXX XXXX collection were from a company call Acceptance rental, I phone Acceptance rental and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, Acceptance use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over XXXX XXXX XXXX. but the Collection agency is reporting as this debt occurred in XXXX. I contacted Experian with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the XXXX XXXX. 

2. XXXX XXXX XXXX, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, XXXX XXXX XXXX has once again place the negative item on the XXXX and Experian report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Mortgage division charged us an excessive fee of {$510.00} for a desktop appraisal completed on XX/XX/XXXX, amount corresponding to a full walk-through appraisal. When complained about the type of appraisal performed causing undervaluation of the property and requesting to re-perform a full Walk-through appraisal, Wells Fargo consultant XXXX XXXX XXXX XXXX XXXX expressed on XX/XX/XXXX via email that " if only a desktop appraisal was completed, there indeed is a cost difference and it would be returned to you. '' and denied the option of completing and additional appraisal. 

XXXX XXXX XXXX Wells Fargo Mortgage Sale Supervisor, contacted us on XX/XX/XXXX via phone to inform us that there will not be any fee refund. 

It is our firm belief that Wells Fargo is profiting from over-charging excessive fees to customers and misleading them to believe fair appraisals ( full walk-trough ) are completed on properties, these unfair and deceptive practices caused us not only loosing the fee ( s ) charged but the possibility to complete a business transaction. 

Evidence of all communications is available upon request.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (NV)

I had been in the process of moving from my Hawaii address in XXXX. Prior to leaving I had dropped off my service equipment to the store in XXXX. The equipment was just dropped off and no paperwork was given at time of drop off. 
I moved to XXXX XXXX XXXX. The equipment was dropped off at the later part of XXXX before the month was over. 
I had done so because I had already began to pack up my personals for shippping at the same time. My personals were also sent to my XXXX address at the end of XXXX my planing to move was all in the process at the same time. 
I never received any phone calls or bills in regards to the equipment. 
Further more an email address of XXXX was given in regards to this bill I received. Spoke to the rep and advised her that was not my email. Not sure where that email came from. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2021-05-15
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. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2017-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kramer & Frank, P.C. (MO)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1100.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt,
Consumer complaint received 2021-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (AZ)

I paid off my balance in full one day past the due date due to login issues with the company. I had 0 % promo. Paid off early and because the company doesnt have autopay and an unreliable website/app I was assessed back interest for being late 1 day and they are assessing fees now on top of that interest. Ive tried to settle and they refuse to waive the fees or explain why interest was charged when I paid it off in full prior to the end of the agreement. They are compounding fees and making it appear as if Im a negative payer of against the debt I paid ahead of plan.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Navient is reporting late payments on 9 accounts stating I was 90 days past due as of XX/XX/2016 when in fact I wasn't. They advised me that these late payments would be removed and it is still on my credit report.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I pulled a copy of my credit report and found the following items to be in error : Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX XXXX account ; Payment history is incorrect for XXXX XXXX XXXX  account ; Payment history is incorrect for XXXX XXXX XXXX account ; 30 date late is incorrect for XXXX XXXX XXXX account ; Per the Fair Credit Reporting Act, I demand that these items be investigated and corrected as individually requested from my report. I understand that you will verify these items with the creditor who has posted them. Please delete or correct any information that the creditor can not verify as I have instructed. I understand that you must complete this reinvestigation within 30 days of receipt of this letter and have results returned to me within 45 days. Please send a COMPLETELY UPDATED copy of my credit report to the above address. According to the FACTA act, there shall be no charge for this updated report.
Consumer complaint received 2017-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

I have not received a phone call or a letter from a collection company called " XXXX '' indicating that I owe a debt for medical bills. I came across this information when I received alerts from the credit reporting agencies. This completely shocked me because I am working extremely hard on my credit so that I do n't have any negative information. I filed Bankruptcy chapter XXXX and was discharged in XX/XX/XXXX and ever since, I have never been late with any of my payments. I want them to remove this information from my credit file immediately. They have not sent me any notification what so ever or else I would have called to determine what it 's for and if I owe to pay it. No communication from this company. I disputed it with the CRAs and they have not removed it until they verify/confirm the debt with me! They need to remove it until proper notification has been sent and the proper time limit for debt dispute. They reported 2 accounts on XX/XX/XXXX, in the amounts of {$260.00} and {$830.00}. They need to provide notification to people before putting something on their credit! Absolutely nothing was sent! No phone calls or VOICEMAILS for that matter! What happened to contacting people?? They should be investigated for more customers that they have done this too, in fact, my next step will be to find an attorney who will be able to file a class action lawsuit against XXXX. I 'm sure there are many more out there and we will fight! I have copies of my phone bills and I have a list of the majority of voice mail left and none are them! Please have them remove this from credit report!
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit reports all have freezes applied. However, in speaking to a company with which I applied for credit, I was informed that TransUnion does not have a freeze on my report. And, that the the information on my report was partially the reason my application for credit was denied. This is a blatant violation of my right to protect my credit history from inaccurate information being released. This breech has caused me to lose credit and I demand that the freeze be reapplied to my report. And, that TransUnion be made to pay punitive damages for this breech! 

The documents ( s ) proving my claim have already been submitted via this portal.