davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-31
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)

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt of XXXX XXXX with a balance of XXXX, acct. # XXXX   with Credit Control LLC, acct. # XXXX listed is not deleted immediately from your file and my credit report.

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending  litigation provided you fail to comply with this offer of settlement. 

To my knowledge, I never done business with your company and I have no legal binding contract. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA because I have no contract with XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if Credit Control XXXX XXXX with a balance of XXXX is not deleted immediately from your file and my credit report. 


This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. 
I hereby request that you provide a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). Again, do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law within this letter date. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CT)

Purchased mattress from Mattress Firm through Synchrony Was told the first 12 months would be 0 % I was locked out of my account and not receiving paper statements, so didn't realize I was paying interest after 6 months at a XXXX  % rate I contacted them multiple times, and they finally said they would extend it to 12 months 0 % interest, even though that was the initial agreement. They said I would see this on next statement I finally recieved in mail This showed I was still paying interest. Every time I call they say they will look into it, and I never hear back.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

I deposited a check on XXXX, I contacted the bank and they stated they could remove a hold if they verified the maker. I contacted the bank on XXXX, they stated the funds will be released on XXXX. On XXXX they stated they could not verify with the bank to call back. On XXXX I called the person said he would call. The loan financial company was closed at that point and could not verify it. They told me to call on XXXX and they should be able to call during business hrs. On XXXX I called chase and was told they were not going to release anything, that there is nothing I could do. The decision is final. Mind you, XXXX was never released at any point. The other issue is that, they said it was flagged. I obtained proof from the bank the check was from, showing the check cleared on XXXX. It is now XXXX and they will not release the hold until XXXX. I have done everything to verify it to have it released. They held the check in the entirety.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (PA)

Reporting a higher balance and utilization wrong since XX/XX/XXXX saying I owe {$1000.00}, however a payment in the amount of {$800.00} was posted on XXXX XXXX and another payment in the amount {$25.00} posted on XX/XX/XXXX with a remaining balance of {$180.00}.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been sending letters to the bureaus because I have inaccurate items on my credit. My husband and I have yet to hear anything back and we really need these items fixed. I have attached the letters we sent that are the most recent but there have been more. Please fix accordingly.
Consumer complaint received 2018-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focused Recovery Solutions, Inc. (VA)

On XX/XX/XXXX, I sent Focused Recovery a " Validation of Debt letter that my attorney gave to me. I would like to see the proof that I actually owe these debts as the credit report shows the original creditor to be named only as " Medical ''. I have no idea who " Medical '' is. I also don't recognize having accounts with those balances. I also don't recognize the date of services that the credit bureau shows for these accounts. There are so many things that are confusing about this. 

Account # XXXX {$330.00} and Account # XXXX {$1000.00} What my attorney has told me is that this is not a legitimate debt. So I re-sent the request to validate the debt, and they refused to respond. I don't understand why they did that. I am very concerned about my rights being violated and am going to pursue all legal action to get justice.
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (NY)

I submitted a few disputes to Equifax and ask that they do a proper investigation into said items on my report and they accused me of using some kind of credit repair service like I am not capable on writing my own complaints through the CFPB. 
I have never ever used any kind of credit repair service and I never will. 
So please stop with the stall tactics and do a proper investigation into my disputed items. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX/ XXXX XXXX. 2. XXXX/ XXXX . - 3. XXXX DO A PROPER INVESTIGATION
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX  and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX  has not contacted them for any information.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Ive called Experian multiple times regarding this matter. Ive submitted proof. Old information is reappearing on my report. I disputed it and Experian still doesnt want to delete it. XXXX XXXX has invalid information and this account was reinserted. I already disputed with the Original creditor. I have another account XXXX XXXX, its been paid in full and it still shows as unpaid. I still have late payments on XXXX XXXX and XXXX XXXX that have been taken off of my XXXX and XXXX reports. XXXX late payments reporting on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX  has late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I need all my inquiries deleted as well, I never signed off on any of whatever is reporting on Experian.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I have frozen my account with XXXX  and I have paid for another service {$300.00} dollors to Montor my account yet addresses and phone numbers and places and stuff r still being added to my account I don't u understand this at all and I don't even have a XXXX XXXX card and yet it's charging me late fees every single month cause of this women XXXX XXXX XXXX whom over never in my life seen nor met got a old phone number of mine and decided to become me and had made my life a living XXXX four years now and all the police do here in XXXX New Mexico is right a report about it she changes everything my utilities my health insurance hacks everything I have my phone emails social media sites I have nothing that's mine too myself anymore I mean complete physco case her obbssed steals my pictures or of my phone steals me know every place I move every time I change my number she gets it's written a freaking day we've switched phone services 4 times already and she has found my number written 2-3 days now if that's not as little wat to much idk wat is and the police just write a report and she's just destroying my credit and getting away with it she tried 8 days ago to steal {$36000.00} dollors out of my checking account and XXXX off my credit card that's why I don't list it on here cause she still gets on XXXX  and changes my information thxs for ur time her number is XXXX XXXX XXXX if you have any way of helping me get rid of this person
Consumer complaint received 2019-03-07
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX  ( Original Creditor : XXXX XXXX XXXX  ) $ ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2021-09-10
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. (OH)

I worked really hard to repair my consumer reports, It took me about a year to correct most of the errors on my reports and I got it to a good point before it got destroyed again due to identity theft and unauthorized use by the consumer reporting agencies. I have submitted numerous documentation showing that alot of errors on my report were a result of others using my information although that is the case I never game consumer reporting agencies permission to furnish this information on me regaurdless of how fraudulent or factual the information is, it is a direct violation of my privacy and im tired of it, its giving me headaces and causing actual damages to my life
Consumer complaint received 2018-01-29
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pathfinder Credit Services (FL)

False Alligation claiming that I attended a school in that they have evidence showing that I attended this school which indeed is false I live in a whole different County!!!! I have proof that I never live in that county they stating I attended school at. I have been a victim of identity theft And willing to seek legal reputation if this matter isnt drop. I never attended The XXXX school before they have been harassing me for years they call me a few years back stating I had also attended a program in XXXX XXXX Florida before im sick of being harassed by this company and want them stop.
Consumer complaint received 2016-06-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (AL)

I have a loan on my credit report that has been sold to XXXX from a company called SPEEDY CASH. I contacted XXXX and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MA)

I requested a loan modification in XXXX due to financial constraints and have provided numerous documents to the 3rd party representative as requested. This company failed to make any determination about the modification request for greater than 12 months. I was offered as a deed in lieu option with a payout " cash for keys '' in XXXX XXXX. I completed the form and faxed to the mortgage company in early XXXX XXXX under the assumption if this was being offered to me it must be valid. Upon returning from viewing colleges with my son I received notice that my home was being foreclosed upon with a sale date of XXXX/XXXX/XXXX.
Consumer complaint received 2021-09-01
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: Southwest Credit Systems, L.P. (MI)

I have sent two letters of dispute in which validation of this debt was requested. The only thing that was returned to me was copies of statements from XXXX with an address where I have never lives. The FCRA guidelines have not been followed. This debt was originally disputed with XXXX but was sold to a collections agency without resolution.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

ISSUE # 1 XXXX is billing me for services NOT received. 
My service was disconnected XX/XX/2020. 
I switched service in order to work from home, due to the coronavirus, XX/XX/2020. 
XXXX has not credited my account for the XX/XX/2020 payment of {$250.00}, even though the check was cashed ( Check # XXXX, cancelled XX/XX/2020 ). 
XXXX XXXX records show service through XX/XX/2020. 
I have communicated this dispute in writing to XXXX on 4 occasions. 
XXXX has sent this debt to collections and it is on my credit report. 

ISSUE # XXXX XXXX has credited my other account {$140.00} XX/XX/2020 and sent me a XXXX card for the same amount. 
On XX/XX/2020, I received a notice from a collection agency on behalf of XXXX, for the amount of {$140.00}. 
I have communicated this dispute in writing to XXXX and the credit collection agency on 3 occasions.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

I received a letter that they were forgiving part of my student loan because it was over XXXX XXXX XXXX. I called them to verify this was true and they said that it will be removed from my credit report in 90 days I pull up my credit report and find it says I owe more that I initially owed. So I go on there website pull up my account and there are all of these charges that I have never seen before. Please please please. I am thinking I owe XXXX and they have XXXX something. XXXX. I literally can't breath. How can they make crazy mistakes like this I have read hundreds of comments from people having issues with this loan servicer. As for dates and all of that I have the letter I have the screen shots from my credit report and from their website. Where do I send it?
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I wrote to them requesting an investigation into items that I believed were Inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Flexible Finance, Inc. (TX)

A few days prior to the XXXX of XXXX i enrolled in the app Flex Rent to assist in paying my rent. What they advertised was that they split your rent payment up over the course of the month allowing you to not have to pay all at once. I went ahead and paid more than half of my rent to them. A little over {$1100.00}. They said they would pay my rent in full. This never happened and there is absolutely no way to contact anyone at this business. Now they have my money and my rent is late and im incurring fees. I have done everything i can to reach these people. I have even contacted the bank they use thats listed on their site. NOTHING WORKS!! This is so awful and now im so desperately looking everywhere for help. I just want my money back and the fees paid so i can pay my rent and move on from this. I have done my own research and have found that this is an habitual thing for this business. They are hurting people so badly and have no care in the world.