davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
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. (NJ)

Company responded on XX/XX/XXXX as a result of their investigation through the CFPB. 
Account # XXXX was " UPDATED '' and according to the credit bureaus the account is still reporting discrepancies. that I will attach below. 

{ XXXX } { XXXX } Errors & Inconsistencies Found : The date of last activity is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of date opened is inaccurate. Equifax is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Credit limit, balance, high credit, payment history is also inaccurate. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. unless you want to be held {$1000.00} per violation.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/XXXX, I received an estimate and paid for a new HVAC system. {$3500.00} went on an established credit card, and {$10000.00} was financed through Synchrony. I have been watching to see when the charge would show up on the new Synchrony account, and to see when my due date would be. 
Today, I went in and saw {$10000.00} PLUS a {$29.00} " activation fee '' that I was never told about. I spent time on chat as well as the phone with Synchrony agents, and when I finished my calls with them, not only was the {$29.00} NOT taken off - MORE WAS ADDED ON. ( I have attached before and after account summaries. ) The HVAC account with Synchrony is through XXXX XXXX??? I have no idea who that is- we don't have a " XXXX XXXX in nor around my city. Also, when signing the tablet from XXXX ( the HVAC installer ) I was told my interest rate would be 7 %, BUT on the literature I got with the " Home Improvement '' credit card Synchrony sent me it said 26.99 %. I mentioned this to the XXXX Sales Rep, and he told me not to worry, XXXX would send me the complete sales contract once the system was installed. The system is installed, and I have yet to receive anything from XXXX. 
I understand this complaint is just about the extra fees attached to the credit card, but misrepresentation about the interest rate appears to have happened as well. I have attached 3 pdf ( s ) in total. The interest rate enclosure from Synchrony as well as the " before '' my call to Synchrony, and " after '' my call to Synchrony.
Consumer complaint received 2022-07-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (TX)

The company Carmax auto finance repossessed my vehicle with 1 day notice. Once I was offered a payment plan I made the payment and they still took my car. I made the payment of XXXX XX/XX/2022 and my vehicle still was taken from my possession.
Consumer complaint received 2024-02-12
Product: Credit reporting 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-16
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. (MD)

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/22 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 the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$500.00}
Consumer complaint received 2022-07-16
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. (OH)

There are XXXX hard inquiries on my equifax credit file that I have not applied for credit with any of the companies. I have reached out to equifax and the companies who reported inquiries and neither have removed these XXXX hard inquiries from my account
Consumer complaint received 2022-07-16
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. (AL)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$77.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion Consumer Relations I am writing to request the addition/update of my phone number for any active Security Alerts associated with my credit report. My previous phone number is XXXX or XXXX ( old mobile number ) is no longer valid due to recent changes in my personal circumstances. As I value the security and privacy of my credit information, it becomes necessary for me to update this detail accordingly. Please add/modify the following new contact information : Phone Number is XXXX ( new phone number ). In light of this communication, I would appreciate if you promptly activate/modify any existing Security Alerts linked with credit report and ensure that future suspicious or important account activities are duly communicated via new contact details. It will be highly beneficial in safeguarding me against identity theft incidents while monitoring any unusual activity affecting my credit score or personal data. Thank you for your immediate attention and cooperation regarding this matter.

Please acknowledge receipt of this notice and confirm the implementation of these changes within seven working days. Failure to appropriately act on this matter may result in further legal action or lodging a complaint with relevant authorities such as Consumer Financial Protection Bureau ( CFBP ), Federal Trade Commission ( FTC ) or other applicable bodies. 

I am highlighting the old disconnected phone numbers to be removed from my Security Alert. They will be highlighted in Yellow under CREDIT REPORT MESSAGES Sincerely, XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting 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)

I have disputed this information on my credit report they stated they verified and I have letter from the agency stating they dont report this information and requested it to be deleted. It was removed from XXXX and the other XXXX bureaus have yet to comply
Consumer complaint received 2022-07-16
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. (OK)

My mortgage was sold to XXXX mortgage in XXXX who in the first year did not put the right amount for my escrow and at the end of XXXX, I was told I am over 5k short and I need to make up my payments. I had to take a loan from a friend to match correctly their Issue. 

XXXX XXXX added an enforced insurance policy on my mortgage changing my payments & asking me to make payments for not having insurance when my insurance agent & had uploaded/ faxed & posted the proof of insurance documents. 
Then they started charging me late fees because the forbearance had ended. I showed them again that I have never missed a payment but the forbearance was being used as a safety precaution because my business was suffering due to covid, but I had never missed any payments, But I have always made XXXX payments a month. XXXX & XXXX on autopay since those were the days I got paid. 
Then again they did not escrow my account correctly and creating me to make a larger payment at the end of the month. 


Now XXXX It has been 5 months I have been trying to get my mortgage company to correct posting XXXX lates on my account when I have my account set up on auto-pay as I stated on the XXXX & XXXX. They have posted XXXX late on my credit report for XXXX & XX/XX/XXXX. I have provided them the proof that my account is set up on auto-pay every XXXX weeks. I have sent them the proof from my bank validating my statement & I have matched the payments against my mortgage payment history in their portal which is also showing every month I make XXXX payments that are received by them for that calendar month. I am being told by agents that my lates are because I make XXXX payments and the second payment gets to them a few days after the XXXX so I am late! If I want to keep making XXXX payments a month I should apply for Mortgage assistance to not be considered late. I also did loose my job in XX/XX/XXXX due to COVID and I did get a great job offer with a financial institution and they saw that I have this comment on my credit report and they would like something from the mortgage company stating its a mistake or an error which they won't. They finally sent me a generic reply where they state they decline my request and the reason is according to Fair credit reporting all payments must be received before the end of the month, which means they have to remove it but they haven't. 
I have tried every way to get them to correct this before I made this complaint. I just don't know what else to do. I have seen over 100 reviews on XXXX from other customers complaining about the same thing! I did not choose them as a lender & I am stuck with a company that is running my credit & jeopardized my employment.
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (AL)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : XXXX XXXX XXXX XXXX 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.

15U.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. 
These inaccuracies are stopping me from getting a house for my family and car for kids.
Consumer complaint received 2022-07-16
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. (MO)

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however you have closed it on the same day. I sent a letter to the 3 Credit Bureaus last XX/XX/22 to update this suspicious accounts. 
I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Please see the accounts that are reporting inaccurately on my credit profile : XXXX XXXX XXXX XXXX Balance : {$60000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-16
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. (MO)

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however you have closed it on the same day. I sent a letter to the XXXX Credit Bureaus last XX/XX/22 to update this suspicious accounts. 
I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Please see the accounts that are reporting inaccurately on my credit profile : XXXX XXXX XXXX XXXX Balance : {$60000.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX  XXXX Balance : {$12000.00}.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

XX/XX/2020 PayPal - negative {$6300.00} XX/XX/2020 Transfer P PayPal - negative {$6300.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$6300.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6300.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Consumer complaint received 2022-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

I am being sued for foreclosure by a group of companies : Selene Finance/Selene Holdings and XXXX XXXX XXXX and XXXX Bank and possibly others that have joined the suit I have not had a hearing. My lawyer and I have - filed in court requesting for discovery - tried to negotiate, submitted offers only to receive outrageous responses, - never once been offered the option to refinance, or do a loan modification The plaintiffs ' lawyers have buried the court in hundreds of papers- many false or falsified, or misrepresentative of the actual facts None of these companies have ever once sent a piece of mail, made a phone call, or tried any in way to collect the " debt '' they are pursuing in the foreclosure. As the defendant I have never received any relevant information to make a payment or attempt to negotiate new loan terms. There are no documents with account numbers, or amounts owed, or payment process and submission guidelines ever received. There is a hearing for summary judgment this month I would like additional defense assistance against the illegitimate business practices of these companies. Please publish my information so that others may be aware of the unscrupulous practices of these companies. XXXX XXXX XXXX is an off shore division of XXXX XXXX that was specifically set up to acquire and foreclose on homeowners as a part of its {$5.00} XXXX settlement with the US Justice department for faulty mortgage practices. XXXX XXXX actually gets " credit '' for curing the loans it defaults on and the homes that are foreclosed on through this arm of its company. Never once has XXXX XXXX XXXX contacted me or my lawyer in good faith to " cure '' the loan and get it in good standing. The last time they said they were willing to " negotiate '' was during Covid shutdown when everyone had lost their jobs and nothing was possible. I had lost all 3 of my jobs within 5 days and could not negotiate anything in good faith. 

Now XXXX Bank has joined the lawsuit saying they are now the " servicer '' of the loan in question. However I have never received on phone call or piece of mail from XXXX Bank and would never know that they would like to service my loan had they not recently joined the lawsuit. I would think that as the " supposed owner '' of the loan with the " supposed authority '' to collect a debt they would be very interested in negotiating to bring the loan current. However, their only interest from what I can see is to foreclose on the home.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Apparently I received a XXXX file stating money charged to my account for some reason that I never authorized or ordered. Obviously a scam or plot to steal or forge my name and information usually I complain To FTC... I still receive these unusual emails... it appears they use XXXX as a cover up ... here 's the text copy : XXXX You sent a payment of {$390.00} USD to XX/XX/2022 XXXX XXXX XXXX. 
XXXX XXXX : XXXX Hello, You've received an invoice. This charge will appear on your bank statement as payment to XXXX " XXXX XXXX XXXX. 
Transaction Merchant : XXXX XXXX XXXX : XXXX Drder Status : Confirmed Summary of this Invoice : Sent to : XXXX XXXX XXXX. 
Invoice No : XXXX Amount : {$390.00} Date : XX/XX/2022 Invoice XXXX Please keep this receipt number for future reference. You'l need it if you contact customer service at XXXX. 
You have XXXX hours from the date of the transaction to open a dispute. 
For assistance Call XXXX ( XXXX ) XXXX XXXX Please do not reply to this email. 
This mailbox is not monitored and you will not receive a response. For Call XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2022-07-16
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: EQUIFAX, INC. (MO)

I sent my Complaints # XXXX, XXXX, XXXX last XX/XX/XXXX but when I checked my Complaints, it seems that you have closed it on the same day. I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove these items not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX