davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-16
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. (CT)

On XX/XX/XXXX I called Experian to dispute information on my credit report and was put on hold and had the call disconnected. I spoke with XXXX from Experian and she told me she would need to transfer me to the Customer Assistance Special Services ( CASS ) I then got transferred to an automated machine that could not process my dispute.
I called back and spoke with XXXX over the phone and he said he could not transfer me to CASS dept XXXX XXXX because he does not have the capability to do so. XXXX transferred me to the dispute department which I waited on hold for another 20 minutes.
Then I spoke with Team Instinct XXXX on or about XXXX and she said she processed my dispute. I hope that Experian can help solve the hold and wait time because consumers should be able to dispute information online without calling.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX XXXX sent account XXXX, which was supposed to be closed to Transworld Systems for collection. 

The XXXX  account is for XXXX XXXX XXXX XXXX, XXXX Georgia. 

Originally, I applied to be a rental tenant at XXXX XXXX XXXX XXXX, XXXX Georgia. Ultimately, the landlord couldn't uphold the move-in date so I was forced to move elsewhere to XXXX XXXX XXXX XXXX XXXX GA . 

XXXX never communicated that there was a claim or any usage at XXXX XXXX XXXX XXXX, XXXX Georgia, in addition, they told me they'd been mailing letters to XXXX XXXX XXXX XXXX, XXXX Georgia I didn't receive those letters, again cause I never lived there. 

In Short, there was no actual XXXX  usage and XXXX sent this account to collections over a disconnection fee... 

This is bringing down my credit and I shouldn't have to pay {$300.00} for an account I've never used, at a place I never lived at, that seems very unfair and seems like bad business. 

I'd like to have XXXX XXXX XXXX, XXXX Georgia taken off my credit reports ( XXXX, XXXX ), I'd never lived there at all! 

Thanks for your help and understanding. Please let me know if there is anything else I can give to help resolve this situation. 

Companies involved : XXXX XXXX XXXX sent account to Transworld Systems sent this to XXXX and XXXX and other credit bureaus.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Found out once I got a notification of payment due by a monitoring company I use. XXXX XXXX allowed my ex spouse access my account via phone in XX/XX/year> and defer payments for XXXX months. Judge signed decree he's excluded from loan. Nothing in email or mail or attempt to notification of this by XXXX XXXX. My online account was locked, unable to recover account. I finally got a notification about account and it's due. This payment was autopay to one of my bank accounts. Ex spouse had stopped payments to all of his debt in my name. That's a legal issue I'm waiting for garnishments to begin local court order. 
Long story short, after stop payment by former spouse, he withdrew last of funds & closed that bank account that I had. At the time I had 2, one of which he wasn't aware of so no potential access. Called XXXX XXXX advised them I was unaware of this deferred XXXX  months, just found out about bank closure. Asked what was due and how quick to pay to avoid credit reporting negative and repo. Advised XXXX due. Asked if I could pay the following week, note account payment to be made by x date. Agreed on that and told no negative reporting unless non payment beyond the date agreed. Flawless credit history never a negative mark. This bank closure without knowledge caused me so far over XXXX in open unused credit lines to be revoked for this 1 bad mark when paid as agreed. Plus another account different creditor who applied payment incorrectly to wrong account of the 2 I had with that company reporting XXXX days late when it never was, actually paid more than minimum. Anyways due to this 1 bad mark, and another my credit score went down XXXX or so points from never missing payment in XXXX years of building credit. Now two credit lines with 1 creditor closed by creditor even though XXXX balance on one, and XXXX balance on another that I had just put less than a week previous plus XXXX days prior paid off the XXXX balance I did have. In attempt to stop this snowball for wrong reporting, paid off XXXX in debt immediately making several accounts XXXX owed. Lost 2 of my longest cards so lowering credit again as of last week since average decreased by XXXX years from those XXXX yr active accounts gone. I paid as agreed. XXXX XXXX will not allow password recovery online by sending self email. Ex spouse didn't ever have a log in, but accessed and said right things to defer without my knowledge. No notification of said access by mail. I can see exactly why one would say nah I'm not paying just bankrupt make it go away, which can be done due to income however I put my credit above anything else after watching loved ones lose everything from addictions. Same with former spouse also filed previously to marriage, and is soon to file again the one who gained access to this.
Consumer complaint received 2024-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (IA)

XXXX - XXXX Mortgage XXXX - Divorce XXXX - Quit Claim deed XXXX - Signed replacement Mortgage Documents ( Lost Note Affidavit XXXX ) XXXX - Loan Modification XXXX XXXX XXXX XXXX XXXX- Not recorded XXXX - Loan Modification XXXX ( XXXX sold by XXXX ) XXXXnot recorded XXXX - XXXX shut down by FDIC XXXX - XXXX XXXX buys all assets XXXX XXXX- XXXX XXXX  Foreclosure XXXX - XXXX  XXXX XXXX - Converted and discharged XX/XX/XXXX, XXXX XXXX  sold mortgage and Lost Note to XXXX XXXX. Recorded XX/XX/XXXX. 
XXXX - XXXX recorded transfers to XXXX XXXX XXXX XXXX - XXXX to XXXX XXXX XXXX forecloses XXXX then does mod ( Not recorded ) transfers to Selene ( XXXX XXXX ) XXXX Quiet Title Action Selene transfers to ( XXXX XXXX  XXXX XXXX ) 5 days before default hearing, my attorney passed away XXXX. I can not find a lawyer, too late too much, robo signers, fictitious VP signs assignment from XXXX to XXXX. 

All transfers VIA XXXX XXXX was taken out of XXXX  by XXXX XXXX XXXX  in XXXX. 

Currently SELENE ( XXXX XXXX  XXXX XXXX is asking for Summary Judgment for Foreclosure, SELENE was served the Quiet Title Action and was to come forward by XXXX. STILL no Original Note since XXXX. 

SELENE and all after XXXX have NOT HAD THE NOTE - Scared me into making higher payments. REASON for QUIET TITLE ACTION
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

My account was hit with fraud. A check which was sent to my landlord for rent was stolen, altered and cashed. The fake check should have never been paid through my bank since there was not enough funds to cover, not consistent with my routine transactions, the signature on the check was not mine and even spelled my name wrong. US Bank is refusing to give me a time frame as to when this will be completed. Its been a month already.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

CARMAX AUTO FINANCE BREACH OF PRIVACY ACCOUNT 4003 ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information CARMAX has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy CARMAX did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2022-10-26
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-19
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. (PA)

In XXXX my score with Equifax was XXXX. I received some money and immediately payed off/down credit card debt. I also had a old medical debt removed due to age of debt. It is now XXXX and my score dropped to XXXX. When I tried to find out the reasoning in XXXX for my score dropping instead of rising due to the significant decrease of credit card debt, customer service at Equifax said it was due to the " formula '' they used. 

My score with XXXX XXXX is XXXX and has been in that range since paying down my debt. 

Please investigate the so-called formula that Equifax uses .
Consumer complaint received 2022-03-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Ive been disputing the inaccurate and Incomplete information for 5 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified
Consumer complaint received 2022-08-26
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX 2020 I XXXX XXXX myself XXXX from my bank of America account because of my identity stolen I could get two forms of ID. XXXX held on to the money order and claim they would refund well as of today no refund has been given... I need my money
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I have set up an autopayment of XXXX dollars a month for Synchrony Bank to pay down my care credit card. The reason is because the APR is insane around 29 %. However, even though I've brought up the complaint three separate times, they have not fixed it and instead keep having me pay the minimum amount to cover the credit card of around XXXX dollars and have for months. This is a huge issue as I am getting charged for interest constantly, and I should have way more of the card paid down. They simply do not care enough to fix it, and it is a bit ludicrous.
Consumer complaint received 2022-03-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive been disputing the inaccurate and Incomplete information for 5 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (FL)

On XX/XX/18 i placed an order with the company XXXX with order # XXXX in the amount of {$640.00} I never received the items. I contacted XXXX and attempted to contact the merchant but found it very difficult to speak with a human. After several unsuccessful attempts I contacted my bank PNC and told them I wanted to dispute this charge. They gave me a provisional credit of the funds. I NEVER received a document in the mail asking for more information or telling me that they were going to collect the provisional credit back because my investigation didn't have enough information. Almost 90 days later, I contacted bank when I saw funds were missing they said I could re-dispute charge again. I did and went to bank to fill out form and was not permitted provisional credit this time. My claim was denied again within the week. For the length of time that has been passed since being originally charged. This is unfair and unjust. I was told I was allowed to dispute charge up to three times. So I attempted one last time and claim was denied for same reason. Too much time has passed. I was told to contact merchant so I did and an investigation was held I was told I could receive a possible store credit. At this point, I really wanted my money back but would be satisfied with something. All I was granted was a {$50.00} gift card.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (SC)

I sent a opt out notice to some credit reporting agencies because I do not want 3rd party companies having my private information such as financial information, address etc. I haven't received anything back to let me know that they have followed my order to remove my information from their database. This information that these agencies are sharing is preventing me from obtaining personal household good for my family.
Consumer complaint received 2022-08-26
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX   : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NY)

I opened a U.S. airways credit card about a year and a half ago. 

1. I never received my original card. I never activated my original card. I forgot I ordered the card because I never received it or activated it. 

2. I received an overdue bill for the credit card. I accrued a late payment charge because the card had an activation fee of around {$100.00} dollars, and thus started with a balance. 

3. Upon receiving the overdue account notice, I immediately called Customer Support, and told them I never received the card. I pay the orginal {$100.00} activation fee to clear the balance. They sent me out a replacement card, and I was assured that the late fee would be reversed. 

4. I receive my card in the mail in the mail and decide not to use it because of the poor experience. 

5. A few months later, I check my mail and find another late fee on the account. It turns out they never reversed the original late charge! I now realize, I have been racking up late payments for a credit card that I never even activated, and had spent {$100.00} out of pocket for the privilege. 

6. I call customer support for a second time I document the customer support call record this time : & lt ; NUMBER & gt ; They apologize profusely and tell me they 've successfully reversed the charges. I have her check the credit bureau to see if this dinged my credit history. She insisted that she talked to her team member and fixed my credit, by retracting their report. 

7. I check my old e-mail account and see ANOTER LATE PAYMENT e-mail buried in my inbox. This could have was from a 'Barclays card ' which, apparently, my old U.S. Airways card had magically turned into. 

8. I am livid, I escalate this request and reference the customer number, I am connected with a senior specialst and I stay on the line with her while she reverses is all of the charges. She is astounded when she finds out that these late payments were generated by an account balance of XXXX cents. How that XXXX cents got there, I have no idea, because I was told that all charges were reversed and there was a XXXX balance. She is angry that one of her customers has to deal with this, and is confused as to how or why the XXXX cents was in my account as I had a zero balance after the last horrible experience. 

9. The customer service agent reverses each charge one by one and closes my account. I think I 've finally resolved it. 
10. Now, months later, I check my e-mail and see ANOTHER LATE CHARGE NOTIFICATION FROM them. I have lost, time, money, and maybe even my credit score. 

11. This is my story. I posted this to the Consumer Protection Bureau and social media so the public may be aware of the abhorrent business practices.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items 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 XXXXXX/XX/XXXX - REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Consumer complaint received 2022-03-19
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. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent information in 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 nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$7600.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$400.00}, XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$170.00}, ACCOUNT RESOLUTION SERVI XXXX Opened XXXX. XXXX, XXXX Balance {$780.00}, XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$60.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.