davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I have been experiencing an ongoing issue with Experians XXXX XXXX services for several months. Despite my attempts to opt for the free service option, I have been forced to pay the {$24.00} monthly fee without being provided with any alternative. This issue has persisted despite my efforts to resolve it directly with Experian, leading to a significant financial burden. I believe this is an unfair and deceptive practice, and I am seeking assistance in addressing this matter.
Consumer complaint received 2023-06-11
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. (TX)

These inquiries were done fraudulently and unauthorized without consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach, and fraudulent accounts have been opened in my name. In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete all fraudulent accounts and inquiries from my credit report as soon as possible. 
The following account is fraudulent and should be blocked and deleted : XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$370.00} Additionally, I request that the following inquiries, which were not authorized by me, be blocked and removed from my credit report : RESIDENT VERIFY Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-07-31
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. (CA)

Subject : Request for Removal of Incorrect Collection Account from TransUnion under 15 USC 168i-5 - FCRA Laws Dear Sir/Madam, I hope this message finds you well. I am writing to request your assistance in resolving an issue concerning an incorrect collection account that has been reported on my TransUnion credit report. I believe that this account has been inaccurately reported and is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681.

Account Information : Creditor : XXXX Account Number : XXXX Date Reported : XX/XX/2021 I have already disputed this collection account with TransUnion, but it was verified and continues to appear on my credit report. Under the FCRA laws, I have the right to request verification of the disputed item, and I firmly believe that this collection account is not valid and should be removed from my credit report immediately. 

I request that the Consumer Financial Protection Bureau intervene in this matter and ensure that my rights as a consumer are protected. I kindly request the following actions : Investigate the accuracy and validity of the reported collection account by XXXX  on my TransUnion credit report. 
Verify that all necessary procedures were followed by TransUnion during their investigation of my initial dispute. 
Direct TransUnion to promptly remove the collection account from my credit report if it is found to be invalid or inaccurately reported. I do not owe any debt to XXXX, and therefore, the collection account should not be affecting my credit standing. 

I understand that the FCRA requires you to acknowledge receipt of this dispute within five business days and to complete your investigation within 30 days. I kindly request that you provide me with regular updates on the status of your investigation and any actions taken to rectify this issue. 

I appreciate your prompt attention to this matter and your efforts to ensure fair and accurate credit reporting practices. Thank you for your time and assistance in resolving this matter.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The school cited multiple reasons for closing, includingincluding declining numbers of XXXX students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all XXXX campuses. 
XXXX loans were taken out from XXXX  and they are now called EdFinacial Servicee and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all 3 credit bureau 's and this matter. 
Nothing has been resolved as far as to removing this account.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( Rooms 2 Go ) Account number XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy. 
15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions. 
15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting
Consumer complaint received 2023-07-30
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (GA)

I was at the XXXX XXXX XXXX dealership in Georgia when I was purchasing a new vehicle. However after I had an agreement with these sales team that I was going to purchase a vehicle, they ran my credit more than once and then sold the vehicle to someone else which was the only one in stock, after reserving this particular vehicle for me. I checked Experian and it did in fact affect my Credit Score and will not fall off for another year. I tried to resolve this with the dealership and they said sorry there is nothing we can do. 

Address to the establishment is XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (VA)

AmRent reported incorrect information to XXXX XXXX which resulted in denial of my application for housing. Ive attempted to reach out to this company, but have received no response ( violation of FCRA - file disclosure ). The adverse action letter provided by XXXX XXXX advises that they received their information from a third party credit reporting agency ( AmRent ), who claims to use XXXX XXXX as the source of their information. I was denied for derogatory past/present obligations, but havent had a late payment in almost 5 years. Additionally, I have 100 % payment history and NO DEROGATORY CREDIT WHATSOEVER! I also have NO evictions, bankruptcy, public judgments. So Im unsure where they actually got their information from because XXXX XXXX has no such information. XXXX XXXX also claimed to have thoroughly reviewed the information, but left the XXXX XXXX credit score and date of credit score blank ( which is another violation of the FCRA/Dodd Frank Act ). This company and their constituents HAVE NOT provided any information to have the issue resolved properly and have caused me damages as a result. 

The other issue Im having is the fact that I feel Ive been racially profiled and discriminated against which resulted in a premature denial for housing as the requirements of the XXXX XXXX ( help to buy a new home ) are all met by me and should have been approved. I pointed this out to them per the information on their website and they responded ( again with the same notice that points to violation of FCRA/Dodd Frank Act. As such, I will also be filing a formal complaint and requesting investigation and damages for violating the Fair Housing XXXX.
Consumer complaint received 2023-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (FL)

Dear Sir/Madam, I am writing to raise a serious concern regarding the services provided by Synchrony Bank . My complaint centers around the wrongful application of a promotional financing period to my account and the absence of financial statements in my online portal. 

In XX/XX/XXXX, I agreed to a promotional financing period with Synchrony Bank, expected to last until XX/XX/XXXX. Regrettably, the bank initiated this period two months earlier than agreed, thereby shortening the duration I was promised. This unexpected alteration has caused financial strain and a clear violation of our agreement 's terms. 

Additionally, I have not received any financial statements related to this account, nor can I access them through my online portal. The absence of these crucial documents further exacerbates the issue, preventing me from fully understanding the implications of the changes made to my account. 

I have made significant efforts to address this issue directly with Synchrony Bank. I have spoken to several representatives, namely XXXX ( Employee ID XXXX ), XXXX, and XXXX, but my concerns remain unresolved. 

I respectfully request the CFPB to investigate this matter. My expectation is for Synchrony Bank to honor the original terms of our agreement, adjusting my promotional financing period correctly, and reversing any additional charges incurred due to their error. Furthermore, I seek assistance in obtaining access to my financial statements, either through postal delivery or via my online portal. I don't even have access to an account number, XXXX is all I have. 

Thank you for your attention to this matter. I trust in the CFPB 's commitment to consumer protection and look forward to a prompt resolution that will restore my faith in the banking sector. 

I have also attached a picture showing my account and a lack of statements that specify any terms.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet utilizing your services.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

These Accounts : 1XXXX BANK . 2 XXXX XXXX BANK. 3 BANK OF AMERICA. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2023-06-11
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. (NV)

XXXX XXXX XXXX  Account XXXX XXXXXXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 more than 7 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 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (TX)

These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) XXXX XXXX XXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, EQUIFAX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 items 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 : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-06-11
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. (GA)

15 USC 1681 Section 604, " States rights to consumers privacy ''. Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! The account listed below are in voilation of this law, XXXX XXXX was opened on XXXX  by TransUnion and on XX/XX/XXXX by XXXX and XXXX. 
XXXX XXXX was opened on XX/XX/XXXX by TransUnion and on XX/XX/XXXX by XXXX and XXXX. 
XXXX XXXX was opened on XX/XX/XXXX by TransUnion and on XX/XX/XXXX by XXXX and XXXX. 
I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.
Consumer complaint received 2020-11-18
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: CITIBANK, N.A. (KS)

XX/XX/2020 In the XX/XX/2020 bill from ATT Universe I was charged with something I did not buy or authorize to be purchased from a Best Buy store XXXXThe bill came online so I attempted to delete this charge but could not do so.I called the card company and told them I did not purchase the item or service.Whoever I talked to said a new card would be sent with a different account number but said nothing about removing the charge. I received the replacement cards and checked the account on line only to learn that in addition to the first there was a second charge in the same amount on the statement but had been placed on the replacement card account even though both charges were fraudulent. This process has continued in subsequent billings. I called phone number on the card talked with some without a name for over half an hour but nothing was resolved.At that time I told whoever I was talking to to cancel the account. I receive harassing emails and daily phone messages from-XXXX. I have done nothing wrong yet I am harassed and threatened. Please help.
Consumer complaint received 2020-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

I have no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery Co as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice