davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (WA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated immediately : 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 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 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 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 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 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
Consumer complaint received 2019-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (NC)

XX/XX/XXXX : Received paper mail ( dated XX/XX/XXXX ) from Synchrony reminding me that I have a PayPal credit Account. I do not recall ever opening this credit account and it was never used. I called Synchrony to cancel said credit account. The Synchrony rep was very helpful and closed the account. He confirmed that there was XXXX balance and zero charges. He indicated that the credit account was opened on XX/XX/XXXX. My PayPal account shows that I joined PayPal in XXXX. I closed my PayPal account due to this discrepancy. 

My complaint is associated with the discrepancy between the XXXX and XXXX dates and the appearance that credit accounts are opened without the consumer 's awareness. I do not know whether this is an issue with PayPal, Synchrony or the previous service provider prior to Synchrony.
Consumer complaint received 2017-07-21
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: Seterus, Inc. (ID)

On X/XX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender Seterus. I received responses from the credit reporting agencies but not from Seterus. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.
Consumer complaint received 2022-07-27
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Experian on XX/XX/2022 requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX  XXXX ) is reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous account and have it corrected. 

XXXX XXXX  XXXX Late Dates XXXX
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

Comenity Bank applies payments in a fashion that is not disclosed to the consumer in order to create a balance subject to finance charges. Specifically when paying off a 0 % promotional purchase balance by the due date specified on their statement they have applied a portion of that payment to a monthly minimum payment prior to its due date. It is unfair and not clearly stated on their statement. Their customer service agents were unwilling or unable to explain it until escalated to a supervisor. The scenario they create by misapplication of payments allows them to unfairly charge interest/ finance charges. I have enclosed attachments that document what has happened in my case.
Consumer complaint received 2017-07-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

On, XX/XX/XXXX XXXX XXXX XXXX ordered an appraisal of a property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) in preparation for closing of a loan on this property slated for XX/XX/XXXX. I paid for the appraisal on XX/XX/XXXX in the amount of {$500.00} to XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX notified me that they would not be approving my FHA loan. On XX/XX/XXXX, I applied for a FHA mortgage loan with XXXX XXXX. XXXX XXXX requested that XXXX XXXX XXXX forward the appraisal that was completed on the property so that they could include it in the loan package. XXXX XXXX XXXX provided XXXX XXXX a case number, and did not forward the appraisal. I also did not receive a copy of the appraisal that was supposed to be completed on the property, as agreed upon in the payment stipulations. Because XXXX XXXX XXXX did NOT forward the appraisal, a second appraisal was ordered and performed by XXXX XXXX XXXX on XX/XX/XXXX. As the consumer, I should NOT have paid for two appraisals on the same property and I am requesting a full refund of my {$500.00} from XXXX XXXX XXXX  for an appraisal that was not provided.
Consumer complaint received 2022-10-06
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had completed nothing to correct my Credit Report and eliminate the XXXX XXXX totally from my Credit File. I have been sending uncountable letters appealing to Transunion to confirm the disputed accounts and take out them if unable to show that the accounts are mine. I have been a victim of Identity Theft and the accounts I am disputing do not narrate to any business that I have made or approved. I talked to the banks and they agreed to DELETE all the accounts from my file but TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When being asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I need these accounts deleted based om FCRA laws only : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-09-27
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. (FL)

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.
Consumer complaint received 2017-07-21
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. (TX)

I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

Yesterday ( Wednesday XX/XX/XXXX ), I bought a debit card from Netspend from XXXX. I put {$40.00} in the card. I tried activating it multiple different ways, one of them being through the website, the number, online, every number they provided for customer service and when I tried activating it over the phone they asked for my social security number, my gmail, my date of birth, my name, my address, and the number of the card. Right after I provided all my information, I was told I had to submit my personal documents like my social security number and my identification card to their email. I didnt understand what the reason was behind asking for my information and then saying that I had to submit my personal documents to their site right after I had provided all my information to the lady and had already payed for the card.
Consumer complaint received 2019-09-27
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. (CA)

Again, I have attempted several times, with and without the assistance of the CFPB to have Equifax perform a PROPER investigation into the public record on my credit report. They state, directly on my credit report, that they used XXXX as the source of verification for this bankruptcy. 

I have proof from XXXX, via my Consumer Disclosure File, that no such public record exists on my file. Equifax continues to assert that they verified this public record with XXXX, which is false. 

I know this is false, because I have personally reached out to XXXX and asked them to verify to me if there was a public record, more specifically a bankruptcy on my consumer file, and they said no. 

Equifax, I am requesting that you do your due diligence and contact XXXX. You will find that there is no such public record on my consumer file. And when you confirm this, you shall remove this immediately from my credit report.
Consumer complaint received 2022-10-06
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)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : - ; XXXX  : Discharged XXXX Reference # : XXXX ; XXXX XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX XXXXdischarged Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-27
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. (TX)

on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting XXXX are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX, XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX, XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX Balance Owed : XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-10-06
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. I talked to the furnisher and they agreed to remove the fraudulent account but Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I need this account deleted from my file ASAP : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (FL)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : EXPERIAN : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-06
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I have had a freeze on all 3 reporting agencies for 25 years. I only open them if I need to purchase a house, car, etc. I wanted to increase my credit line with my visa at my credit union bank. I successfully opened XXXX XXXX and XXXX  for a month. I could not open Experian - which is the only credit reporting agency all credit unions use, so I was not able to up my credit line. I had successfully opened Experian in 2017 for 2 months and they gave me a pin number they don't recognize now. All of the ways of opening it are on-line and one of the phone numbers they list sends you to a person who tries to get you to purchase a plan which costs {$290.00} to open at your freeze at will and monitor your credit. I told them no. The other number puts you in a hold and drops you off the call. They also tell you to write to them at a P.O. Box and give your information so they can be sure who you are, which I did with a request they unfreeze my credit for a month. I never received anything back.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Hello- I had my card on auto draft with XXXXXXXX XXXX  XXXX XXXX . My account went late for 30 days and I did not know until they called me since I assumed my account was on auto pay since I had the problem before and tried to resolve. The gentleman on the phone told me that the late payment would be taken off and I paid the balance over the phone to have that removed. to my understanding it would be taken on my credit report. It is still showing so I called again to see the issue and the new customer service rep told me the previous rep told me the wrong information that it would not be removed off my repot but XXXX my account. So I am not understanding if I was told in accurate information why the late payment was not taken off my report as the first agent stated. 

Thank you!
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

I had an American Express Serve Card with a balance of {$55.00} on it and a Bluebird card ( also from Amex ) with a balance of {$6.00} on it.American Express " froze '' both cards and refused to give me my money back.I wrote them a letter a month ago to : American Express XXXX. XXXX XXXX XXXX, Ga. XXXX. 
I asked for my money back. I have had no response from American Express.