davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Date opened : XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Date opened : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1700.00} ; XXXXXXXX XXXX XXXX XXXX Date opened : XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : - Balance : {$34000.00} ; XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-20
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. (CA)

XXXX XXXX XXXX XXXX Account : XXXX has been paid and closed since 2007 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2023-01-20
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. (TX)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that this information is an inaccurate.
Consumer complaint received 2020-10-11
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. (GA)

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud  alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ), while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Service Finance Holdings, LLC (CO)

This is in response to XXXX The documents that you provided do not show what I am requesting. 

I am requesting a detailed work scope. Our issue is that the contract we have shows materials and room dimensions that were not completed. The contract that XXXX supplied to Service Financial is different from what XXXX provided me with. We need to see what XXXX supplied to Service FinanciaXXXX in respect to detailed work. 

I am also requesting the signed agreement with service financial between the homeowner, myself and service financial. 

Also, just to confirm, Service Financial is claiming they left a voicemail on XX/XX/16 to approve the funding of the loan? I never received a voicemail and only called Service Financial once I received the first bill. I was confused as to why I was being sent bills while the contractors were still in my house. It was around this time that XXXX became very hostile and threatened multiple times to quit. 

Is there a recording of this voicemail that was left on XX/XX/16? What phone number was called? 

At the end, XXXX was unable to complete the project based on the agreement the I had signed with them. ( Ie room sizes, ceiling heights, custom mirrors, shower bench, shower nooks, toilet placement, lighting fixtures, etc ) There were to be major adjustments at the end with everything they failed to do ( as mentioned on the XX/XX/XXXX, XXXX email ). I expected a substantial refund from XXXX as the contract, building specification, and time deadlines were not followed and they knew we were going to have to hire another company to complete the project to our specifications. 

I stopped talking to them when they had the audacity to show up at my house, after dark and start demanding money. If XXXX truly believed that I owed them for the sub-par work, they could have easily put a mechanics lien on the property. They know they did not complete the job as promised. They owe me and the homeowner money.
Consumer complaint received 2020-10-22
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. (CA)

It comes to my attention that there is multiple credit inquiries that I did Not recognize nor authorized consenting to. Please verify these credit inquires from XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX as well from XXXX XXXX. These are Unauthorized inquiries, please verify and provide proof of authorization of original signature of its owner within 5 business days in compliance with FCRA.
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

Below is the letter I have emailed and submitted by online complaint. 
I have also explained this and much more on many phone calls as well. 
GM has a very serious problem with communicating with a customer once a problem is identified. 
A month or so back I made a verbal complaint and I have a case # of XXXX. 
I have not had any luck at all with these methods. 
Please review this and let me know how we can resolve this. 
Thank you, GM FINANCIAL, XXXX. # XXXX I am contacting your because I want to resolve the problem with my account and have always been willing to do so. 
I paid off this account on XXXX XXXX 2020. I printed a confirmation at that time. The next day I received an email confirmation stating that no further action is required your words not mine, I printed that as well. 
On XXXX XXXX 2020 on received the Title to vehicle in question in the mail. It is a clear title in my name with no lien. 
On XXXX XXXX 2020 I received an email stating you had great difficulty contacting me which is not true- this is the first notice I had that there was any kind of problem and it did not state what the problem was. 
I called to see what the problem was and your agent told me that my check bounced. I will not put up with an accusation like this from anyone, especially when it is not true. 
My bank always calls me if there is a problem with any of my accounts because they do not want to make me mad. 
Since then I have called several times to try to get this resolved. Your people are not trained very well and are not willing to report this to someone who can help resolve this problem. 
I will be glad to pay you the {$6200.00} that you did not get the first time if you will produce 3 things.

1 A letter guaranteeing that GM Financial will not report any negative information about me and this account to any and all entities and persons and guaranteeing that GM Financial will remove any negative information that has been reported to any and all entities and persons about me and this account.

2 An explanation of how this happened why you waited so long to contact me. 
3 Some kind of credit for my damages. I have not been able to use and enjoy my vehicle because you have informed me that my vehicle would be repossessed and I have had 2 repo companies contact me regarding this issue. 
I am always negotiable and am willing to live up to my part of this thing. 
It will take reasonable communication from GM Financial to do so. 
Thank you, XXXX
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

There was a late payment of 30 days late on my CAPITAL ONE AUTO Financial XX/XX/2019. I had made the payment as I always do with the Capital One app and for some reason my payment didn't process as it stated that it did. I went into the branch and also called and showed the payment history and they stated they can't help me being it was a error with the app payment. They stated I was have to contact the credit bureau to fix this error.
Consumer complaint received 2020-10-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: KEYCORP (OR)

In XXXX, through Key Bank 's online credit card point service, I bought 3 plane tickets for a vacation trip I was planning for in XXXX. I called for a refund of the points and the {$200.00} I spent on the tickets and was told that a check was being mailed out to me fore the total value. I have called every month since then and they always say it is on the way, they have double and triple checked my information and mailing address multiple times and everything is correct, but it has been over 5 months now and I still have not received my money.
Consumer complaint received 2020-10-22
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. (CA)

This is to notify you that I have tried to submit letters to the three credit bureaus so they can look into an account which is not reporting correctly as it is not mine. None of the credit bureaus has responded to me. I know it  takes time but I submitted the letters on the second of XXXX and we are now on XX/XX/XXXX. I just feel like it's been long enough even including the time it takes for mail to arrive to Georgia, Texas, and Pennsylvania and then sent back to California. I don't know if there is a problem but I am very concerned as I submitted my social security card and a bank statement with the letters and now I am concerned somebody may have stolen the mail. If the credit bureaus did receive my disputes then can they please tell me already and send me something back. I would hate to think of what else could be happening with my personal information.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On or about XX/XX/2020 I notified PayPal of a dispute I was having with a Seller who failed to provide the services for which I paid {$3000.00}. PayPal opened up a dispute case and requested a response from the Seller. On or about XX/XX/2020, PayPal decided in the Seller 's favor and closed my case. That same day I contacted PayPal asking them to reopen my case and to give me an opportunity to submit documentation supporting my case. PayPal had told me they would request documentation but never did before closing my dispute case. PayPal has not responded to my concern.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (TX)

Around XX/XX/XXXX, I applied for and received a XXXX XXXX XXXX XXXX XXXX XXXX sponsored by Synchrony Bank. It included an offer to obtain a large statement credit on my furniture purchase ( maybe 20 % of the purchase price but I don't fully remember ). I paid off the credit card and closed it with the first card statement. A few years later on XX/XX/XXXX, I received a credit card statement from Synchrony Bank stating that I had a credit balance on the closed account XXXX. I called Synchrony Bank 's XXXX number ( XXXX ) and they explained that I did have a credit balance and asked me if I would like it refunded via check totaling {$2100.00}. I received and cashed that check on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from Synchrony Bank stating that I had missed payments on this cash advance, and fees were accruing. I'll call this the Sychrony XXXX XXXX XXXX. Please help me resolve this.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (MA)

I had some illegal use of my credit card around of XXXX of XXXX and called up to dispute .The credit card company put three charges that I had not disputed into a dispute. I received calls from these vendors, In house Cleanout at XXXX for XXXX and XXXX XXXX XXXX at XXXX for XXXX. Barclays told that they were going to pay these vendors. I received repeated calls from XXXX XXXX XXXX   and after about 3 weeks I paid them in full from my XXXX XXXX credit card on XX/XX/XXXX and called up Barclays and told them I had paid the Vendor.. On my XXXX Statement they charged me for the XXXX XXXX bill again. I have made repeated calls and they keep telling me there is nothing they can do as it is to old ( but they put it back on XXXX On the In house clean out I paid the XXXX dollars on XX/XX/XXXX on my XXXX XXXX credit card as I received a call that they were not paid, Right after I paid them along came another XXXX dollar charge from Barclays that they would not take off.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I have sent over a dozen emails and made numerous telephone calls to Fedloan to have them update the number of PSLF qualifying payments that have been made since XX/XX/XXXX. This correspondence has taken place over the last 18 months. Fedloan has acknowledged that my Employment Certification Form beginning XXXX XXXX has been approved, although I have never received it. As of today, XX/XX/XXXX, my approval letter should be sent via mail in 7-10 days, but I have been told that before as well, and did not receive.

Fedloan states that the payments made to my previous servicer have not yet been assessed. When my loans transferred to Fedloan, my previous payment history was sent to them in a way that their system was not able to automatically review the previous payments and update the the PSLF qualifying payments. This prompted their system to submit a request to have the qualifying payments reviewed manually. The review is still underway and there is no update available. 
I believe that 18 months is a sufficient amount of time to accomplish this task. It is not appropriate that they can not update me with any information, I receive the same response each and every time. Thus far, my PSLF qualifying payments is eight, that only reflects the Employment Certification form that was sent again from the same employer last year.

Fedloan documents each and every telephone call, they have the number of times I have called and inquired. I have many of the emails saved and printed, they were sent directly through my account in " contact us '' section of Fedloan.
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (VA)

This complaint involves Robinhood stocks. I have an account that Im trying to close. Robinhood wont release my money. The website say to email me - but they wont respond. When I try to call, theres a message directing callers to email - which they wont respond. Ive filed a XXXX  complaint - and they wont respond to that.

I closed my original bank account - XXXX XXXX - for personal reasons. Robinhood wont release my money because I closed that bank account. I have another verified bank account - but system wont allow me transfer to that. 

So I cant talk to anyone to verify who I am, I cant verify myself online to set up the transfer, and they wont respond to service. So in the meantime my money sits there being held XXXX. 

I need my money.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

My husband opened a small estate act at wells fargo on XX/XX/20 at the time wells fargo said our paper work was all correct after they sent in to the legal dept and that's all they needed the check was deposited and then got cashiers checks out to send to family members and we left money in the act to keep it open every thing was good until banker XXXX XXXX XXXX at branch XXXX XXXX called me and said wells fargo flagged the act and they would close our act on XX/XX/XXXX due to no paper from judge stating my husband as the administrator XXXX and XXXX branch manager sent in complaints on our behalf and my husband called and made a complaint with XXXX her direct line Is XXXX ref number is XXXX as he stated to her in a small estate there is no court or judge only family members a point a administrator witch they did my husband and had the letter notarized I have been told by numerous attorneys that we are correct and have everything we need to open a act so this is our problem with wells fargo thank you
Consumer complaint received 2019-10-31
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: Experian Information Solutions Inc. (GA)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX   XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX : XXXX XXXX/XXXX : XXXX XXXX XXXX/XXXX : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/XXXX XXXX : XXXX XXXX : XXXX Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX : XXXX XXXX  : XXXX XXXX/XXXX XXXX Dept of Ed : XXXX XXXX   XXXX/XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX.