davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about XXXX years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with Transunion ... XXXX points with XXXX ... and XXXX points with XXXX. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to Transunion ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (FL)

I discovered my Avant credit card issued by XXXX missing from my wallet after I logged into my online account and saw six unauthorized transactions. I immediately called Avant customer service on XX/XX/XXXX to report my credit card lost, and to have a claim filed for the unauthorized transactions. I told the customer service representative that the card was lost, but I didn't remember the last time I saw the card, or, at what location the card was lost. The claim was made and submitted to Fraud Management Services. I then received a letter dated XX/XX/XXXX, which informed me that I couldn't be reached by phone, and that I needed to call the Office of Fraud , Research, and Investigations at XXXX Ext. XXXX. The letter stated that information was needed to investigate the alleged fraudulent use of the credit card. I left a voicemail for the representative investigating my case at the extension above, and the voicemail greeting said my call would be returned within 24 hours. However, I didn't receive a call. Nevertheless, I did receive a second letter dated XX/XX/XXXX, which stated Avant had begun a review of the fraud claim, and I would be contacted if additional information was needed to resolve the disputed charges. A third letter dated XX/XX/XXXX was received, and had the same wording as the XX/XX/XXXX letter informing me that I couldn't be reached by phone, and that I needed to call the same phone number and extension as above. Also, the letter stated that I needed to respond by XX/XX/XXXX. I left two voicemails, and I did receive one voicemail from the case worker on XX/XX/XXXX. I returned the call on XX/XX/XXXX, and then made numerous calls through XXXX, leaving a voicemail each time, but never received a return call. The last letter I received from Avant was dated XX/XX/XXXX, which indicated I had notified Avant of suspected unauthorized transactions on the account in the amount of {$480.00}. The investigation was completed, and there was a determination that the transactions were authorized and valid based on the information received in the investigation. Therefore, the transactions would be re-debited to the account and appear on the next statement. Since receiving that letter, I've left four voicemails at the same number and extension, but haven't received a reply. I've enclosed all the correspondence letters received from Avant, and the statement showing the disputed transactions.
Consumer complaint received 2015-12-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (CT)

I have been trying to access my synchrony bank account through amazon for weeks. they say my bill is late and when I try to pay it I can not open my account. this has happened several times they are the worst company I have ever worked with, they are completely non-communicative and seem to take measures to keep one out of ones account. Please help, this effects my credit rating. XXXX
Consumer complaint received 2017-04-29
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. (DC)

XXXX   XXXX     2017  I mailed a certified letter to  XXXX  and Equifax disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.
Consumer complaint received 2020-06-01
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. (WA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2017, I reviewed my credit report with Transunion and noticed several accounts and inquiries were removed off my report. Not only were they added back on, they are reporting negative. I did not receive a notification of any kind that all of this was going. I called and spoke with XXXX supposedly the supervisor in the special handling department. She was very rude and determined that I fax in proof. I 'm in the process of repairing my credit to buy a home, and I can not afford them picking and playing with my credit.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my BMW accounts XXXX letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you
Consumer complaint received 2022-08-15
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)

Equifax credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Equifax has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Equifax has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. XXXXXXXX XXXX XXXXXXXX XXXX XXXX " Closed '' XXXX XXXX XXXXXXXX " Closed '' XXXX. XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX " Closed '' XXXX. XXXX XXXX XXXX XXXX " Closed ''
Consumer complaint received 2022-02-07
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. (TN)

I have been a victim of idenity theft. the following items are reporting on my credit profile and they do not belong to me. a collection account from XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the following INQUIRES do not have my authorization XXXX  Card services XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX via XXXX Bank XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX via XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Wrong Names such as XXXX XXXX all of this information is incorrect! ad i demand this be removed from my credit profile i have reached out to each beures several times and they still continue to report these inacuracies on my credit report this is completly unfair. I have filed a Identity theft report on XXXX and I will attach this file with this complaint.
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (TN)

I have been a victim of idenity theft. the following items are reporting on my credit profile and they do not belong to me. a collection account from XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the following INQUIRES do not have my authorization XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX via XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX such as XXXX XXXX all of this XXXXnformation is incorrect! ad i demand this be removed from my credit profile i have reached out to each beures several times and they still continue to report these inacuracies on my credit report this is completly unfair. I have filed a Identity theft report on Identitytheft.gov and I will attach this file with this complaint.
Consumer complaint received 2015-03-25
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (CA)

I tried to get a refund on {$4500.00} worth of cards. I called reloadit and they said that if I would send them a copy of the receipts I would receive my money in 20 days. This was on the XXXX of XXXX. Then they asked for a copy of the reloadit cards with the numbers on them and they said it was approved.=, but they wanted me to send them a copy of my drivers license and my utility bill. Than they said they sent the check out on XXXX XXXX. I still have n't received nothing so far and i told them if I did n't received my check by the XXXX XXXX I was going to call the FBI and the FBI said that I should contact you. I
Consumer complaint received 2022-02-07
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. (TX)

I made contact with tranunion on XX/XX/22 and again on XX/XX/22 after submitting numerous disputes on their site. 
Ive provided them with documentation proving that the account reporting on my credit report is forged/ fraud. Ive provided them with an identity theft report as well. 
Ive requested all steps and procedures on how they verified the information that they are reporting. 
Transunion told me that they dont verify anything. They send the details to the company that is reporting and if they confirm my social, date of birth, and address, they allow them to continue reporting and the information I send in is not sufficient. 
Transunion informed me that because of my previous dispute, they were able to make a fast decision based off of the previous result. I was never given a proper investigation and they arent accurately furnishing my credit report.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested a block on some reports based on identity theft, request was denied. i never received or gained any goods or services as a result of the credit. 
I dispute these items on my credit report by the reporting agencies and request they be removed because i have reported an identity theft case.
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Monterey Financial Services LLC (CO)

I contacted this debt collector to disp [ ute the account and they have yet to validate the debt according to the mandatory processes provided by the FDCPA consumer protection law. They have failed to respond to my dispute within 30 days and have failed to note on my report that I have issued a dispute which is required the FDCPA Section 807 ( 8 ). They Are breaking the federal law and need to comply by removing the negative and erroneous information that is not in compliance to the reporting process of the FDCPA.
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (OH)

On or about XXXX, 2014. I noticed that a XXXX phone bill had appeared on my credit files. I requested that XXXX validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now Jefferson Capital Systems is coming after me. I have continued to request that they validation and they continue to allow this to report on my files.
Consumer complaint received 2024-02-16
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. (OH)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (VA)

On XXXX XXXX, XXXX my car was repossessed at XXXX. I commute from XXXX to XXXX daily, and subsequently had to take off work. My work computer and room keys were in my vehicle. I was told the vehicle was being taken XXXX hours away. The XXXX repossession specialists charged me XXXX dollars cash to get my items from the vehicle. I was exactly 60 days late on a partial payment. My car note was XXXX dollars a month with a 22 % interest rate. The car was purchased XXXX XXXX, XXXX.At the time of the loan, I had a credit score of XXXX. I believe that Honda Financial/XXXX XXXX XXXX XXXX discriminated against me as an XXXX woman and charged me excessive interest, and also ran my credit numerous times, which actually lowered my credit score. The dealership was attempting to get a loan that was thousands above the car value and was refused by several banks. I was told that my " low '' score was the reason the interest rate was so high, and that I could refinance when my credit score went up again. I was not aware of the large negative equity until after the vehicle purchase when the credit denial letters came in the mail. I was not able to refinance the vehicle because of this negative equity situation. Now, Honda Financial is reporting a repossession on my credit, and the past due balance as XXXX dollars, which is two payments ... when the car was repossessed for a past due amount equal to one payment and a little less than half of a payment ( XXXX dollars ). I paid them thousands of dollars for over a year. I received a letter on XXXX XXXX XXXX dated XXXX XXXX, XXXX stating their intent to sale the vehicle in a private sale and seek the remainder of costs which currently equal XXXX more than the value of the car. I am also a military spouse. This is my third XXXX ; but the first purchased in XXXX. I believe Honda Financial has a history of discrimination, and dealer markups directed at minority consumers in this area. I am also certain that the repossession was also discriminatory. I believe the Department of Justice abd the Consumer Financial Protection Bureau, along with other regulatory agencies should investigate the pattern of Honda Financial Repossessions and predatory lending practices. After, I told XXXX in the recovery department about the completly unprofessional manner in which my car had been repossessed, and my belief that I was discriminated against ; he asked that I fax proof of insurance/pay stub. I did this, but heard nothing for weeks. On XXXX XXXX I received a phone message stating that they were making a last attempt to return the car to me??? Still ... nothing in writing besides the letter about the private sale and a notification of 60 days to collect any of my possessions from the vehicle. There were multiple layers of problems with Honda Financial/XXXX XXXX from the sales tactics/pressure, to the taking out the loan, to the repossession.
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello Dear, My name is XXXX, XXXX from XXXX, XXXX. 
last week, on XXXX XXXX & XXXX someone use my debit card multiple times in XXXX, XXXX. I was still in possession of my card at that moment. they withdraw {$1100.00} in cash at different ATMs and made purchases for {$1200.00} at XXXX in the same city. I received some messages from Bank of America telling to verify some recent transactions. I reported those transactions as fraudulent. i filled a claim for this fraud and I was waiting since yesterday. 
They denied my claim and told me there is no fraudulent pattern. 
When I asked them what that mean they told me I have been to the state of XXXX couple of time I used sometimes none Bank of America ATM 's I withdraw often a large amount of money. 
i asked the lady can a person be present at XXXX location a the same time? because i was in XXXX, XXXX at the moment. 
I called the police yesterday filed a police report so the bank will do further investigation. I 'm an international student the money is for my tuition I really need it. 
Best,
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps (MD)

I found a XXXX channel that is loaded with information about credit repair. There is a woman I would think may be on probation running the website from a supposed office in XXXX XXXX, XXXX. I was contacted for a credit consultation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX sent me an online contract to and a link to make payment for a credit repair program she had designed. I had to also sign up for a credit monitoring software package at XXXX. I have made several attempts to contact XXXX XXXX and she has not returned phone calls or texts or emails. Luckily I researched to find out that XXXX XXXX XXXX is also XXXX XXXX XXXX a former resident of XXXX XXXX, NY that was a felon charged with stealing peoples social security number and information and selling the information in XXXX. I immediately realized I had been scammed and I shut my debit card down so that no further charges can be made. XXXX XXXX XXXX had me send her a copy of my drivers license and social security card. On XX/XX/XXXX Internet research at XXXX and XXXX provided me information to show that XXXX XXXX XXXX is actually XXXX XXXX XXXX who was arrest and charged in XXXX XXXX, NY for selling people 's identity. Once you view her XXXX  and website you are convinced that she is a reputable credit repair XXXX when actually she is a crook and most likely on probation since sine she was arrested in XXXX and facing a XXXX year sentence. Looks like she has resumed her previous career by posing as a credit repaid specialist. This allows her to gather personal information from innocent people who have suffered through some credit challenges with the use of XXXX and her website. I'm sure it is too late for me but perhaps the XXXX and CFPB will be able to shut her down so that she is unable to take advantage of anyone else. In research her on the internet I was taken for a small amount of money compared to some of her victims from whom she has stolen thousands of dollars. 

Here are internet sites that may help with this complaint. 

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