davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$59.00} -This is not my account.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

I had a Banana Republic Visa card issued by Synchrony Bank. In a month of high usage, where I need to buy construction materials and make multiple payments to keep my card balance available, Synchrony bank abruptly terminated my account. 

While I do not contest Synchrony Bank had the right to close my account ; Synchrony bank acted in bad faith as my account was terminated right before the XX/XX/2020 statement was generated ; which in turn would have earned me approximately {$200.00} in reward points. 

My approximately {$200.00} points were forfeited with the account closure. This was a bad faith act. I was also not notified electronically about this action until I checked my online account ; this even though all my statements are electronic.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IN)

This is in follow-up to my complaint XXXX Experian 's XXXX/XXXX/15 response to my CFPB dispute, Experian specifically states " ... To request a security freeze, log on to www.experian.com/freeze ... ... " But after trying online several times over the past month, Experian instead continues to not accept my security freeze request - UNLIKE EVERY OTHER CREDIT REPORTING AGENCY. Experian apparently is continuing to make the process as burdensome as possible to discourage implementation, and maximize their profit opportunities. 
. 
Once again, by way of this complaint, and as a likely victim in the XXXX XXXX XXXX XXXX breach, I am notifying Experian that I will hold them strictly liable for any damages I incur from their failure to implement a timely Security Freeze, including their lack of a clear, concise problem resolution.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (WI)

XXXX XXXX Account XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Doing business as XXXX XXXX, refuses to provide any explanation as to why it has not disbursed the money for the claims that I submitted on XX/XX/2022. I called on XX/XX/2022 to inquire why the money had not been disbursed. I was told it would take up to 5 business days. I called again on XX/XX/2022 and they would not disclose why the funds had not been disbursed or even give me any timeframe for the resolution. I have not been allowed access to the funds that the plan with this company establishes for 2022. 

I submitted a reimbursement request for {$30.00} and another one for {$150.00} on XX/XX/2022.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP (WA)

My card was lost/stolen around XX/XX/2020. I reported it to key bank and requested that my card be closed and a new one sent since this was the preferred method of payment for my unemployment insurance. However It has been over six months now and after multiple times contacting the company listed above they had only just closed my card down within the last few months well after a huge portion of my benefits have been spent by someone other than myself and it's now well into the XXXX dollar margin of loss that I have now been taken for and they have not been able to get back to me one time with an answer or resolution to the issue not have they even attempted to contact me leaving it to me to be the only side of our agreements that has followed through and continued attempting to reach out to them in hopes that we may solve this issue in a civilized manner. I now find it most difficult to get in contact with this company there for I am now reaching out to a third party in hopes that I may have some assistance in getting the issue at hand resolved so that I may finally be able to receive the benefits that are not only owed to me but that are most definitely needed and very much the difference between life or death with the importance of these funds when it comes to my living situation and  honestly how much I've been deprived due to the lack of these funds!!! Thank you for taking time out of your day to read this and hopefully there will be immediate action taken so that I may be able to continue my life as close to what it was like prior to the mishaps of losing my income In the first place! Have a great day and I look forward to hearing from you as soon as possible.
Consumer complaint received 2015-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credence Resource Management, LLC (NC)

i have an account that is fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Vehicle returned to XXXX on XX/XX/XXXX ( as acknowledged on letter attached ). 
XXXX XXXX issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my XXXX XXXX account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by XXXX XXXX. 
I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with Equifax, XXXX and XXXX still show this account as late payment ( see equifax as an example ).
Consumer complaint received 2017-05-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On my   XXXX   report it still shows that I was late fo r five or six months  with my Bank of America mortgage loan when I was not late. I received a letter stating that they will change it on my credit report but it has not changed yet
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (CA)

I received collections form this company before and I notified them several times that I filed bankruptcy in  XXXX - XXXX  and this old debt was included in that bankruptcy. Recenty I have been getting calls from this  NCB c ollections agency and now letters regarding the  XXXX   XXXX   XXXX  I had a while ago. I need the collections to stop and the calls and letters as it is illegal to try to collect a debt that was included in my bankruptcy that w as discharged al ready
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (MS)

I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in 7 business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt. The company has never owned the debt nor have they provided proper verification as they can not provide documentation.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (LA)

On XX/XX/XXXX I wrote a letter to the company requesting validation that bear my signature showing that the debt that the company is reporting on my credit report belong to me. I have not yet receive any communication from the company. The amount that the company claims is XXXX for XXXX XXXX. I didn't have an account nor did I open an account in XX/XX/XXXX.
Consumer complaint received 2020-09-11
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. (CA)

Vehicle returned to XXXX on XX/XX/XXXX ( as acknowledged on letter attached ). 
XXXX XXXX issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my XXXX XXXX account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by XXXX XXXX. 
I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away XXXX date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with XXXX   Transunion and XXXX  still show this account as late payment ( see XXXX as an example ).
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Accounts Management, Inc (SD)

I disputed this with you in XXXX 2015 Case number : XXXX. This debt is not mine but continues to remain on my credit reports. The company 's only response to my dispute through you was TEST. I have heard nothing and received nothing since.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXXXXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-02-11
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. (PA)

I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (PA)

I called sometime last year because my credit file disappeared from my credit report making my credit non-existing with Experian. I was told my credit file should reappear within 24-72 hours. I thought the problem was resolved until a week ago I applied for a mortgage loan. My loan officer informed me that she was not able to pull my credit report with experian because it comes up as ***no record found***. So I called them ( experian ) at about XXXX XXXX and was on the phone with them on and off until about XXXX XXXX  on the same day. On the final call I was told that I need to send them my updated information the fix the problem at experian.com/upload ; well the website does not work. I tried to upload my information numerous times EXACTLY how they explained to me unsuccessfully. Now here I am on Sunday, XXXX, still trying to upload my information and it keeps telling me that I need to upload a black and white copy, or tiff or pdf. Both documents ARE black and white and they ARE tiff. When I upload tiff it asks for black and white. So I called again and they told me that I needed to mail them a copy instead and will be informing experian that the website is not working. 

My issue is that I already selected a house and just need to get preapproved for my mortgage loan. But without the experian file being pulled, I can't. My information has not changed at all and experian is telling me that all credit reports have to match all across. Well my credit report never matched all across and I never had an issue before. My experian credit report disappeared XX/XX/2021 and I haven't been able to have it pulled since. I begged them to please fix it and they refused.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (LA)

my name is XXXX XXXX my ss and im having a hard time disputing several accounts with equifax and i also havw had several accounts removed from both XXXX and equifax and all of the sudden keep reappearing, idont understand and several accounts are from several years ago or the accounts are closed one account is from 2008 this is ridiculous and i need to find out howm to have these permentatley removed as o thought was to happen anyway i was on XXXX and for some reason equifax keeps saying my information does not match which is bologna its a ; ways a rat race with these credit companies
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

Sunrise has failed to send me the requested verification of this debt when asked when they called me 3 months ago! I told them I was unaware of the debt and also never lived at the address they reported where service was connected. My address is XXXX XXXX XXXX ... XXXX was NEVER connected HERE as my apartments XXXX XXXX will verify INTERNET is included from XXXX XXXX. They said service was connected at a XXXX address. Instead of sending me whatever documentation they had or closing this account, they instead reported this debt to my credit.
Consumer complaint received 2015-03-20
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (FL)

A loan for a motor home was taken out in my name at Green Tree Servicing LLC. Payments were made for a while but stopped leaving a {$2200.00} balance. Over the last year I have spoken to various company representatives about this problem repeatedly telling them this is not my debt, who took out the loan and how to contact that person. To date they have refused to pursue the proper party and they continue to threatening me if I do n't pay this balance. They have been reminded many time that they do n't have my signature on anything.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage has reported on XX/XX/2020, " Between XX/XX/2020, and XX/XX/2020, the following remark was added to this account : Affected by natural disaster. '' This statement is neither authorized nor correct.