davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (PA)

I recently pulled a copy of my credit report and seen the following inquires I do not recognize. As per FCRA Section 609 605 and 623 Please Provide record of consent for this inquiry and record of accuracy. 

1.XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4.XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-07-07
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MA)

I purchased a wall oven from Lowes in XXXX of 2022, {$4100.00} it was a store pickup for XXXX, NH, I received an email that the item had been picked up however I didn't pick it up so I called the store in XXXX, NH multiple times with no resolution so i filed a dispute with Lowes credit XXXX Synchrony Bank ) The bank told me to deal with Lowes and Lowes told me to deal with the bank. Lowes states that the item was picked up and they keep sending me a mobile ticket with no signature and the wrong name " XXXX XXXX '', since I am unable to resolve this with either Lowes or Synchrony I am asking for help to get someone's attention, I have been trying to get resolution since XXXXXXXX XXXX XXXX
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC (OH)

I have had several Bank accounts and credit cards that was opened in my name. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are Consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, as noted in 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' American Express is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : following the written instructions of the consumer to whom it relates. '' American Express, the financial institution, and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information, and they do not have my written permission. All acquiescence to XXXX, XXXX, and XXXX, American Express, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) declares that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is elucidated how the consumer can exercise that nondisclosure option. '' They never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) discloses, '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is a negative item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A reveals, " A person shall not furnish any information relating to a consumer to any Consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services. ''
Consumer complaint received 2023-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (IN)

I've already filed a complaint about erroneus amounts that this company has taken for interest. Last months payment they took the full {$900.00} I paid for interest. My rate is already incredibly high at 18.13 % I make multiple payments a month and before the payment is due. Even if I didn't pay the XXXX until the due date. The daily interest would have been {$19.00} per day, times that by 30 days in a month, the interest for the whole month should have only been around {$570.00}. I contacted them multiple times before filing complaint and still have not been contacted, and just being told accounting is aware and " looking in to it ''. 
I at least do biweekly payments. I just paid {$450.00} of my {$890.00} payment due on XX/XX/18. It's only been 10 days since my last payment of {$450.00}, ( which, as I already they applied that and 2 other payments, totalling {$900.00} for interest ) {$290.00} was taken for interest. Since they kept my whole monthly payment last month my total principle was still XXXX. So where did they come up with that number it would still have been a daily interest of {$19.00} 10 days since last payment. Would only be {$190.00}. I have know clue how they come up with the numbers they do, and they don't even contact back to offer some type of explanation. I contacted them again on the XXXX and told them I've already filed one complaint and that I will be contacting a lawyer if I did not hear from them. Its been over a month since I initially contacted them about the previous situation! Still nothing not even a reply besides the automated email saying they recieved my complaint message. I'm a single mom with a mortgage and other bills, i have XXXX jobs and work XXXX a week to cover them. I'm pretty decent with math and the only payments that are correct if you break down the calculations where the first 2. It's very frustrating feeling that my hard earned money is just being taken and not understanding where it is going. Please help.
Consumer complaint received 2018-09-15
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. (GA)

XXXX XXXX XXXX  is not reporting correct information to the credit agencies. XXXX  is reporting that the mortgage is closed. They are also reporting an incorrect balance. My account is still active and has been current since XX/XX/2018. I spoke with XXXX   on a recorded line in XX/XX/XXXX they advised that it would begin to report correctly. XXXX has since not updated my information with any of the credit agencies. I spoke with XXXX on a recorded line again in XX/XX/XXXX and they advised they are not reporting because I have a dismissed bankruptcy, and if I wanted it corrected I would need a reaffirmation document. I reached out to the attorney the represented me in my bankruptcy filing and they advised that reaffirmations are only for chapter XXXX   cases. I had chapter XXXX  reorganization and they should be reporting accurate information. XXXX  reported my account as closed and past due in XX/XX/2018. At that time it was the plan of XXXX to foreclose on my property. I was able to gain assistance and mortgage reinstatement through a state funded program that paid all of my missed payments. With this complaint I want for XXXX to begin to report my mortgage on my reports as active and current dating back to XX/XX/2018. I have filled a previous complaint on XXXX because I felt I was a victim of racial discrimination. I still feel this way as evident in their unwillingness to provide assistance during my hardships, and currently by reporting information that destroys my credit rating.
Consumer complaint received 2018-09-15
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: Experian Information Solutions Inc. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (IL)

In XX/XX/2018, I received a latter from A.R.M. Solutions stating I owe a debt of {$12.00} to XXXX XXXX. I have never had a XXXX XXXX subscription ( or received a newspaper delivery from them ) and when I contacted the XXXX XXXX, they were unable to locate me in their system. I then wrote to A.R.M.  Solutions asking for proof of the debt. They have refused to provide proof of the debt but continue to send me letters demanding payment or they will report it on my credit reports. I do not owe this debt and demand proof of the debt. They refuse to provide this proof.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Experian is reporting several unauthorized inquiries on my account. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22
Consumer complaint received 2023-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

On XX/XX/XXXX  there was an account opened under my name for the amount of {$2200.00}. I was contacted by the creditor regarding payment. I explained that the account was opened fraudulently under my name and that the loan was not mine. They mailed me papers requesting a lot of personal information that should already be in their possession if this loan was in fact mine. I was not comfortable sending back these forms with all my personal information including birth date and social security number. The account was charged of and placed in collections. I am now being sent collection letters from a different creditor that bought the debt.
Consumer complaint received 2023-02-07
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. (CT)

My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from XXXX, Transunion, OR XXXX. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - Reporting on Transunion XXXX XXXX I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX  XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
Transunion : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX XXXX XXXX : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX  ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX ) I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.
Consumer complaint received 2018-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

This is an extension/addendum to complaint XXXX I have filed here and was closed by CFPB before its completed resolution. In essence, it seems that due to Chase Mortgage operational inefficiency and internal miscommunication between departments, the process completion of my mortgage loan recast case has been stuck in limbo since mid XXXX. Following are the specific details : 1. Ms. XXXX XXXX, a Home Lending Executive Office specialist, Ph. XXXX, ext. XXXX, was communicating with me by phone concerning my original complaint XXXX. She was my single and only contact, handling my case with the Recast Department, and updating me on my case status. ( Customers have no direct access to the Recast personnel. ) 2. The intended resolution stated on a letter Chase sent me on XX/XX/XXXX was that Chase will honor the recast agreement I executed with Chase on XX/XX/XXXX, which will reduce my mortgage payments from {$220.00} to {$200.00} retroactively, and credit/refund me the accumulated difference in payments. 
3. On XX/XX/XXXX I XXXX  back to Chase this XX/XX/XXXX letter with its enclosed Recast Acceptance Form as instructed. 
4. I alerted Ms. XXXX on one of our initial telephone conversations in XX/XX/XXXX that I will be leaving the country and my mail will be held from XX/XX/XXXX until XX/XX/XXXX, therefore all documents Chase requires me to execute must be delivered to my home address by XX/XX/XXXX, or by email after my departure date. Ms. XXXX assured me that the procedure will be done prior to my deadline, and I am to receive the new agreement by mail within a week. The first documents from Chase were actually Fedexed to me nearly a month later. 
5. I contacted Ms. XXXX upon receiving the letter with the acceptance form on or about XX/XX/XXXX to remind her about my overseas trip and to raise my concern about a second set of documents I expect the Recast Department to send me to complete this procedure, ( which I have previously required to execute on XX/XX/XXXX ). Ms. XXXX assured me there is no other documents to be sent to me, and that any further communications from Chase will be sent to my email address. 
6. My XXXX and XXXX mortgage statements have already been closed with no sign for the application of the recast terms. 
7. Two weeks ago, on XX/XX/XXXX, I left Ms. XXXX a voice message to let her know that Chase has not executed my recast terms yet, that she misinformed me about the process completion with the return of my Recast Acceptance Form, and that I am certain there is a second set of documents sent to me by Chase after my departure, which holds the process stuck in limbo until my return, and that I didn't receive any emails from Chase Mortgage or Recast departments. 
8. As of this day I did not hear back from Ms XXXX.
Consumer complaint received 2019-04-22
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. (MD)

EQUIFAX CREDIT BUREAU - My credit file information has not been updated since XXXX 2018. I didn't pay much attention to this when I would pull up on XXXX XXXX. I Thought because of the security breach etc. that it was just on sites like XXXX XXXX. 
Recently i went to apply for a mortgage, and the Equifax Report came back reporting outdated information from XXXX 2018 ; and had my overall credit card debt recorded at over {$4000.00} higher than what it was and compared to what XXXX and XXXX should of been. In addition they had a collections on there, that had been canceled. When I contacted the Company they stated they sent Equifax a letter back in XXXX to delete off my credit. 
I have reached out to Equifax on many occasions even by confirmed priority mail and my account is still not updated. I have called several times and each time i get an inept person telling me ; they can't verify my information and i'm not who i say i am. I have sent copies of my SS Card, Drivers ' License and all correct balances. 

I am so frustrated as this has affected my overall interest rate and mortgage application and they are taking their good old time with no Actions to correct and had. Equifax had not updated any of the information ; therefore making my overall monthly debt to income ratio look bad, as well as my overall score lower than what it update.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

XX/XX/2019 received a letter from the XXXX XXXX XXXX. I called to inquire, gave them some information then stopped before they could do anything.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (KY)

XXXXreported to lexis nexus a credit beureau that i was an at fault driver in a XX/XX/23 car.wreck.when i was not at fault. i wrote a.letter a year ago asking for the information to be corrected. They did not reapond Finally after.researxhing what to do i filed a dispute and it was removed. I have suffered civil.penalties and paid higher insurance and qouted higher insurance then i could afford for a.trucking company this violated for violating title 15 of the fcra
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CURO Intermediate Holdings (MD)

So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my XXXX  credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX   ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt owed.
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (SC)

Adding on to complaint # XXXX ... today I have made numerous calls trying to resolve this issue without it escalating. Customer service is absolutely horrible. I was put on hold on every call with every representative all stating that they work with consumer protection and the fraud department. I asked to speak with the investigations department and was told that there is no number to call them that I would have to wait for them to contact me. I was also told that investigations will not be back until Monday. The names of some of the representatives are XXXX and XXXX.I was told that I can go to the store to make a payment. I live in South Carolina and the store is currently closed due to hurricane Florence. The representatives cared less.