davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/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, My current address is XXXX XXXX  XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NC)

Barclay : On XX/XX/2021 I submitted a cashiers check to Barclay. After speaking with them over multiple occasions over disputes I was arguing i decided to pay the full amount of XXXX. The cashiers check was cashed and they refuse to make the adjustment on my credit report. On my currently credit report they are showing I settled the account and I DID NOT SETTLE. The account was paid in FULL and was told the account would be deleted off my record for the charges that were made while I deployed while on XXXX XXXX. I agreed with the terms to pay in full as long as the account would be deleted. And my current problem is I sent them one amount and they are showing another amount. And another reason Im concerned over this matter is because initially they wanted me to settle the account. So requesting the account be deleted off my record since they are and have been reporting false information that Ive disputed for years and now finally paid them in full to get the account deleted or even marked or written up appropriately. Just tired of dealing with individuals that just dont care and all I was doing was what I thought was right. Please, look into my account and make the appropriate changes as I can give evidence of the account getting paid in full.
Consumer complaint received 2021-02-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MN)

We financed flooring at XXXX XXXX with a 24-mo. Interest free promotional period. Financing was through : SYNCHRONY BANK XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX When we reached the end of the interest free period we were told our monthly payments were late every month - even though we were never told until the end of the promotional interest free period. We made payments via auto-draft of {$170.00} every month to completely payoff our balance only to find a {$40.00} draft was assessed each and every month on our account plus now 29.99 % interest going back to day 1 - even though we more than paid the balance in the time frame.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

An company called XXXX XXXX XXXX XXXX scammed me out of XXXX $ back in XX/XX/2021. Lying to me saying we are affiliated with the department of education. And Student loan forgiveness, they continue to lie again saying your loan company XXXX sent us your information. Which is not true, my loan was 6 months ago paid in full and closed. They put a XXXX $ on my bank account. Contact the FTC and Fasfa back in XXXX. I looked for attorney, to try help file an lawsuit
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (OH)

I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA609/611/623 violation. The Following accounts are listed : BEST BUY/CBNA # 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 2018-02-13
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. (NY)

I am uploading documentation that XXXX  is still reporting my XXXX XXXX account as having a late payment the month of XX/XX/2015 which is reporting as a negative account on my XXXX credit report. I am also uploading proof from my XXXX  credit report that it has been confirmed that this account was never paid late. I have disputed this several times with XXXX   but they will not fix this error.
Consumer complaint received 2018-02-12
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: EQUIFAX, INC. (WA)

On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX XXXX XXXX acquired the mortgage from XXXX XXXX. 

On XX/XX/, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
Consumer complaint received 2022-08-17
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)

The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that XXXX credit bureaus would take a step to update that wrong information from my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

In XX/XX/21 I opened a checking and savings account online with Citi Bank. After receiving the checks and debit card in the mail I tried to login online to activate debit card. I no longer had access and I called in and was told they could not verify my identity. Makes no sense as I have 2 credit cards with them and bank at multiple financial institutions. I wasnt going to argue about it. I asked for my funds to be sent back to me and that never happened. I waited until mid XXXX and called in again and asked for my funds to be returned and that what they were doing is illegal. Was transferred several times again and told what happened was a mistake and I would get a new debit card in the mail and my account was reopened. That has not happened and they have not returned the funds. Im extremely frustrated and there is no Citi Bank location near me to go to.
Consumer complaint received 2021-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (OK)

I was denied credit for a credit line I applied for and was denied. Once I was made aware I pulled my report and there was a collection in the amount of {$180.00}. I did not receive a 30-day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt was sent.
Consumer complaint received 2020-12-12
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: EQUIFAX, INC. (TN)

I INFORM EQUIFAX THAT THIS IS NOT MY ACCOUNT AND NOW ASK THAT THEY REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2021-02-06
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. (IL)

Despite several written requests, the unverified bankruptcies listed on my report still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a COPY of the ORIGINAL documentation on file to verify that this information is mine and is correct. Your company have not sent me any documentation that verify the information they are reporting. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Your company have said the courthouse verified the public record which is a lie, I contacted the bankruptcy court and I sent a letter directly from the courthouse stating they do not verify with 3rd parties. Which I have attached to this complaint. It is also illegal to report inaccurate information on my report that has not been accurate verified. You have NOT provided me 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 ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). Your company have failed to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-04-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX account # XXXX amount {$580.00} open date XXXX XXXX last activity 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 a account without my written instructions
Consumer complaint received 2020-06-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX XXXXXXXX {$350.00} XXXX  XXXX {$360.00} XXXX XXXX XXXX {$830.00} XXXX DEPT OF ED XXXX {$1000.00}
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

i use paypal for recive money from customer ( my website service XXXX XXXX XXXX XXXX  XXXX since XXXX XX/XX/XXXX my paypal account permanently limited i try to read " PayPal Acceptable Use Policy '' https : //www.paypal.com/th/webapps/mpp/ua/acceptableuse-full but i still have no clue what am i doing wrong i think my website are legit and this might be automated suspensions faulty. 

this not fair to me
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

I'm on unemployment and went to pull out cash for bills and my payment for the week was gone literally 3 minutes after it posted to my account. Someone ( this is what key bank told me ) made an account at key2benefits and changed the pin number on my card from there also. I had my taxes stolen from a ex friend who put there banking information on XXXX XXXX instead of using my account so maybe it was this person that stole my identity. I have sone information in her if it helps but honestly I don't know if it was her. Ill file a police report if need be and grant yous any permissions you may need on my end to further your investigation to catch whomever did this to me. Also all banking information on taxes are wrong and were illegally put there by a person named XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX ny XXXX. Again I will prosecute so please let me know what if anything on my end needs to be done to help! 
I have been a victim of identity theft and want to get the funds that pertain to me, as I receive them from unemployment benefits. I would like a history of all the transactions on my account.
Consumer complaint received 2018-02-13
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: SYNCHRONY FINANCIAL (FL)

Greetings, I have a credit card for XXXX ( XXXX XXXX ).  approximately back in XXXX 07, I was charged for the authorized amount of {$950.00}. After I received the statement I called the credit card to inform about the unauthorized transaction. They proceed with the cancellation of the credit card and posted a temporary credit until doing the investigation. Few days later, they assessed the charged back on my account without giving me the proper results from the investigation where it shows that I was the person or consequently I signed an authorization for this parties to use my credit card. Therefore, I called and initiated another request. They apologize because the first request it was opened under a wrong category. They again closed my account and sent another credit card. To my surprise, the charge was posted back on my credit card. At this point and totally frustrated I called back to have them proof that as a cardmember I have made or authorized the purchase. They have neglected to provide any f the following : 1 ) The creditor don't have the receipt of the transaction signed by me where I take responsibilities for the amount. 

2 ) The creditor don't have any documents where I shown that i have signed any contracts with the legal office and where there is an amount due under my name for {$950.00} 3 ) The creditor is lacking of any documentation where I have authorized a third party to use my credit card with my signature stamped and date. 

In other words, the credit card company represented by Walmart -XXXX XXXX neglected from providing any documentation where I have made or authorized the use of my credit card to anyone for the amount of {$950.00}. 

This company has broken there values and standards where they claimed to protect the cardmembers from fraudulent or authorize charges. I am a clear example that they have no taken their promises seriously and they have ignored my multiple phone calls where I have begged to have a resolution and have them proceed my interests as they should have.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$1100.00}, XXXX - CARD SERVICE XXXX Date opened XX/XX/XXXX Balance {$38.00}, and XXXX XXXX BANK, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complaint is in response to XXXX XXXX response letter documents regarding complaint XXXX sent on XX/XX/XXXX attached where XXXX  pretends that it does not understand the nature of the claim filed where I, XXXX XXXX asserted that 1. I do not owe this debt and do not know who XXXX XXXX is and have never done business with this company. 
2. Requested that XXXX XXXX validates the claim of debt owed. 

However, instead of addressing my above assertion and request of proof of debt owed, XXXX XXXX decided to offer communication sent to me in XXXX and XXXX which were deemed perpetration of fraud since I did not recognize the company by name nor did any business with them. Moreover, XXXX XXXX claims that they purchased the so called debt from XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX and never did any business with such company. I checked today on XXXX XXXX XXXX website, the company does not offer consumer finance and only offers business finance. Thus, XXXX XXXX XXXX could not have offered any consumer finance to XXXX XXXX since XXXX XXXX is an individual consumer. 

XXXX XXXX knows full well that as a debt buyer they claim they are, in order for them to validate a debt purchased from XXXX XXXX XXXX, they need to provide a. Proof of debt assignment from XXXX XXXX XXXX. This does not exist. 
b. The original written debt agreement between XXXX XXXX and XXXX XXXX XXXX with XXXX XXXX 's signature for the debt claimed. This does not exists. 
c. 7 statements and payments made by XXXX XXXX to XXXX XXXX XXXX as required by law. They are none. 

Without presenting any of the above documents, XXXX XXXX claim of debt owed is not valid and must be deleted from my consumer record with TransUnion. It is an act of abusive conduct that XXXX XXXX can maliciously add a debt that they can not prove is owed by me, yet added it to my credit file with TransUnion several years ago and just learned about last month when I ordered and received a copy of my credit report from TransUnion to see what is in the report. 

The US is country of law and the Fair Debt Collection Act must be adhered. It is unethical conduct and unethical business practice for any creditor or debt buyer or collection agency to claim a debt is owed without any legal proof and the consumer and credit reporting agency should somehow trust their word because they say so. 

Creditors, Collection Agencies and Debt Buyers are known to be abusive in their practices and have hurt consumers with no impunity which is why so many laws have been put in the books to curtail the abuses.
Consumer complaint received 2023-02-16
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-30
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. (TX)

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and They keep charging my almost {$60.00} INTEREST EVERY MONTH. Equifax is still showing this account as open and it should be showing paid/closed, This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.