davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (NJ)

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

Account Name : XXXXXXXX XXXX XXXXXXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX. Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. Account Number : XXXX. 

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 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.

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 reasonable cause to believe that the information is 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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$1800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$12000.00}, {$1000.00}. 
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 onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2024-05-18
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/year>, I received a letter from Bank of America ( BoA ) regarding a claim associated with my account ending in XXXX. This letter indicated that BoA was working on my claim and requested that I provide additional information to support my dispute within the next 10 days. The communication advised that while the claim was being researched, I was not required to pay any part of the disputed amount and should continue making payments on the remaining balance to avoid interest charges or late fees. 

However, the letter lacked critical details necessary to properly address my dispute, including : The specific claim number, which is essential for submitting further documentation. 
The transaction date related to the disputed amount. 
The merchant 's name involved in the transaction. 
The amount in question for the disputed transaction. 
These omissions have significantly hindered my ability to respond appropriately to the request for additional information.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Benuck & Rainey, Inc. (NH)

I had 4 accounts in collections due to hospital bills with Benuck and Rainey ( a collections company ). In 2020 I was financially able to call the collections company and pay off all the debt. Today I received an email from my credit reporting agent ( XXXX XXXX ) that my score had gone down and that I have four delinquent accounts. The accounts were now back on my credit report as delinquent. I have included a screen shot showing my credit report and showing the payments that I made back in 2020 to Benuck and Rainey from my bank. I have worked really hard to fix my credit and this issue is really upsetting.
Consumer complaint received 2019-11-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

A collection account listed with an original creditor of XXXX XXXX XXXX in the amount of {$1800.00} was added to my XXXX credit report by Portfolio Recovery Services on XX/XX/2019. The opened date of the account is listed as XX/XX/2019. I have never heard of this bank and have NEVER opened a credit card or account with them. I have not opened any new accounts in the last year. This is a fraudulent account that belongs to someone else and should be removed from my credit report immediately. I have never received any type of written communication or verbal communication from this either of these companies regarding this debt.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

THE ACCOUNT WAS CLOSED WITH XXXX XXXX AND THEY ACTUALLY OWED ME A CREDIT WHICH WAS AGREED UPON BY XXXX.THEN THEY SHOW AN OUTSTANDING BILL FOR EQUIPMENT NOT RETURNED AND EQUIPMENT WAS RETURNED AND THEY CONTINUED TO BILL FOR 2 MORE MONTHS AND THERE ALREADY NEW XXXX XXXX SERVICE THAT STARTED AY MY ADDRESS WHEN THE OTHER ONE WAS CANCELLED SO YOU CANT HAVE 2 SERVICES RUNNUING AT SAME TIME AND THEY REFUSE TO ANSER ME BACK
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I sent two dispute letter to Equifax credit bureau showing my name, address, ss #, and job information.They keep sending me this stall letter saying that were unable to locate a credit file in there database with the information I provide.I sent them everything they need for them to assist me.So, I need your help now in this situation.Please help
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

Funds wasn report as a fraudulent transaction based on a contract that was breached and initially reversed back to my account. Several days later even after providing proof of claim the bank sent my funds back to the woman that fraudulently scammed the money from me. A police report was made as well as complaint filed with the FTC
Consumer complaint received 2020-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

I lived at an apartment complex in XXXX, NC called the XXXX located at XXXX XXXX XXXX XXXX, NC XXXX. I lived there for 2 years, and my official move out day was XX/XX/2020, of this year. On XX/XX/2020, I recieved a letter from National Credit Systems , Inc, in XXXX located at XXXX XXXX XXXX XXXX, GA XXXX saying that my {$81.00} balance has been paid in full. Mind you, XX/XX/XXXX is not even one entire month from the move out day from these apartments. I never received an email or notification that I still had a balance on my account. The creditor reported me, and I paid immediately. It is now XX/XX/2020, and the delinquency is still showing on my credit report. I want to file a dispute with the apartments primarily, and the collections agency.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Capital One, I was actually shocked today when i reviewed my accounts and noticed several late payments among the 3 capital one accounts - I was never late on any of those. I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late. 

If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late.Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Best Regards,
Consumer complaint received 2020-10-22
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. (MI)

I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XX/XX/2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XX/XX/2020.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

On XX/XX/20 I received a purchase confirmation from XXXX  for XXXX.I never made the purchase so I immediately called XXXX who put me in contact with the bank.The bank closed the account and supposedly the purchase was cancelled.I called the bank on XX/XX/XXXX to verify I wasnt charged the rep said I wasnt charged.On XX/XX/XXXX I received an email confirming shipment to the fraudulent address.I again called the bank to make sure I wasnt charged and the charge was on my account.They started a fraud claim and I again called on XX/XX/XXXX and the bank had no knowledge of a fraud claim so they supposedly started one.I checked my account today XX/XX/XXXX and the charge is still on my account I really dont know what to do at this point to have it removed this is the worst company I have ever dealt with.
Consumer complaint received 2017-12-25
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. (IN)

I had a credit card with XXXX XXXX/XXXX for a couple years and closed it earlier this year. I paid the full balance due and closed the card. Now, they are reporting to all credit bureaus that the card is charged off and paid after closing. This card has never been late and was closed in perfectly good standing. I 've contacted the company and was told to mail a request to correct the credit bureau information. I 've mailed the company a copy of my credit report showing the negative reporting and nothing has been updated.
Consumer complaint received 2020-10-22
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. (MI)

I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XX/XX/2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XX/XX/2020.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

PennyMac Mortgage has {$3400.00} in excess Escrow which they received as a part of XXXX XXXX XXXX tax payment which has already been made. I have contacted them 5 times asking for sending me refund. They twice told me that Refund would be sent yet no refund is being sent. 

Last communication I had was on Friday XX/XX/2020 with their customer service manager/supervisor XXXX who also gave me her direct phone number XXXX X XXXX. She assured me that check for {$3400.00} will be sent on Tuesday XX/XX/2020 and she will personally follow up with me by giving me a phone call. 

NO CHECK HAS BEEN RECIEVED till today XX/XX/2020 and I have not heard from XXXX during since then. I have tried to call her 3 times and left voicemail each time with no response. Her number is correct but she or anyone from PennyMac doesn't call back. I am out {$3400.00} which they wouldn't refund
Consumer complaint received 2020-07-25
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. (GA)

I have advised TransUnion on several occasions that the account reporting from XXXX XXXX XX/XX/2019 is not my account and may be a result of identity theft. I have provided proof that the account does not belong to me, and TransUnion has failed to plea their case on how they where provided this inaccurate information. Please help me resolve this matter.
Consumer complaint received 2024-05-20
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (MO)

On XX/XX/XXXX of XXXX I made a paypal credit purchase from the website mechanicsspace.com. The transaction was processed and the vendor never sent me a confirmation or tracking number for the shipment. I tried contacting the vendor numerous times and was never successful. In the meantime, the website was taken off line and the contact email address was no longer reachable. 
I filed a dispute with PayPal credit and they initially refunded my purchase price back to my account. On XX/XX/2023 paypal credit billed the purchase price back to my account under their name instead of the original vendor. 
I have filed XXXX subsequent disputes with PayPal credit and they have declined to pursue the dispute. I have tried multiple times to obtain the investigation info from them to no avail. I have records of the original dispute and have never received any info from the original vendor.
Consumer complaint received 2020-10-09
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. (WA)

I had a lease from XXXX XXXX XXXX and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called XXXX XXXX, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date. 

All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, XXXX  changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of XXXX.
Consumer complaint received 2021-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

I opened a personal loan with XXXX XXXX through Comenity Bank for XXXX XXXX XXXX of XXXX. I made regular payments on the loan until my family hit significant financial hardship. I worked with XXXX XXXX XXXX and they were able to make a payment arrangement with XXXX XXXX. I made payments on the balance and XXXX on the amount agreed upon. My credit report shows as the amount is unpaid and charged off and never addressed. I called Comenity, with whom XXXX made the arrangements with and sent payments, and they said they terminated the relationship with XXXX XXXX, they didn't take my money, and they could provide me no information on how to get in touch with XXXX XXXX. The website that is out there for payments is broken, you can't contact anyone. I have no recourse to fix this item. I paid the full amount and I can't get them to even talk to me. Help!
Consumer complaint received 2020-08-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (CT)

I have ask numerous time for the credit Beurus/ Collection Agency to Show proof as this being my account as the FCRA requieres. With no success this account does not belong to me. Unless it can be proven otherwise I need this account deleted. XXXX/XXXX deleted the account as the collection agency did not provide proof as requested but this account continues to be in my XXXX.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/2020 I closed my Visa Credit Card Account. I sent a final payment which bank never received. Now my credit report with XXXX is reflecting and increasing the amount of deficit I owe. I called Synchrony Bank/Gap Visa and made a final payment again, registered mail. The problem here is that there are at least 5 different mailing addresses for this credit payment. I forwarded all this info to XXXX, filled out their dispute form and would like to include XXXX in this complaint as XXXX and XXXX had no problem handling all of this credit XXXX over the phone and resolved it. 
I believe Synchrony Bank/Gap Visa has a major problem with keeping track of credit card payments and handling its customers thru XXXX. XXXX seem to relish all the paperwork and hoops that they make their XXXX-rated consumers have to jump thru to get a simple job done.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the Gramm-Leach-Bliley Act ( GLBA ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, Nelnet has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, XXXX, and XXXX. Consumer reporting agencies are non-affiliated third parties with which Nelnet has shared my NPPI. XXXX, XXXX, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the Gramm-Leach-Bliley Act. My rights have also been violated in Nelnet as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.
Consumer complaint received 2021-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX  XXXX and XXXX XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

recently learning recently about Transunion computer glitches they experienced this year and last year I called Transunion to explain to them that I was aware of the glitches they had in there system that caused inquires to be deleted and added back on to my report in doing so I was never informed by mail or phone that they would be added back onto my report illegally without my knowledge. All in all this misfortunate was not my fault. Transunion told me it was nothing they could do about this knowing that it was there fault they even mention knowing they had glitches but the inquires had to be added back. These inquires added a hardship and as a citizen my rights were violated by Transunion. I 'm writing in hope that you can make Transunion stop victimizing me. I ask that as a resolution that all my inquires be deleted from Transunion permanently as a violation took place illegally.