davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (MI)

LCI Consumer Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI XXXX, ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

For the last  five ye ars we ( myself and another person in my household ) have been unable to get Equifax  '' s free cr edit report online. We have never had such a problem with the o ther  XXXX  credi t agencies. My notes from  two ye ars ago indicate that when I called Equifax about the problem the person I spoke with was able to fix something so I could access it and print it out. Last year I called and was told to log onto my Equifax account, access the tabs on the left and access it that way. It worked last year.     In  XXXX  of this year I again could not get the info online ( the last screens states they can not provide it online and that I need to request it by mail ) so I called them and was told that they could only provide it by mail. The solutions that worked t he prior two years would not work - even though I was able to access my online Equifax personal   account! Equifax then took my info over the phone and I received the free report in the mail about 10 days later.     I called Equifax again a few minutes ago and was tol d two stories : 1st : To get it online I would need to pay a fee. I responded that their screen said nothing about  such and the other agencies provide it online for free. I asked "  XXXX  '' to verify her response with someone else.      2nd :  When she came back on the phone "  XXXX  '' said that they thought the problem is with  XXXX  and not them ; hence, they ca n't help me. I advised her that the site works fine with the other credit agencies so the problem must lie with them. I could get no satisfactory reason for the problem. I told her I would file a formal complaint with you.     I would like to get this resolved so we can get future Equifax reports online rather than risk their being lost in t he US Mail.  Your help will be appreciated.      XXXX   XXXX
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute the information related to the collection account reported by XXXX XXXX, appearing on my credit report with a balance of {$1000.00}. This account, reported as opened on XX/XX/year>, and listed under the original creditor as XXXX XXXX XXXX XXXX XXXX '' is inaccurate and should be deleted from my credit report for several reasons. Firstly, under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that a collection agency claims I owe. In this case, XXXX XXXX has failed to provide sufficient evidence that this debt is valid and legally enforceable. Specifically, they have not provided an assignment transfer from XXXX XXXX XXXX XXXX to validate that XXXX XXXX has the legal right to collect this debt. The absence of this critical document raises serious concerns about the legitimacy of this debt and its reporting. Secondly, the reporting of this debt may also be a violation of Section 623 of the FCRA, which requires that furnishers of information ensure the accuracy and completeness of information reported to consumer reporting agencies. Given that XXXX XXXX has not provided a detailed account history, including a clear chain of title proving that the debt was properly assigned or sold to them, the accuracy of this information is highly questionable. Moreover, under XXXX XXXX. XXXX ( a ) ( Section XXXX of the FCRA ), I have the right to dispute the completeness or accuracy of any item on my credit report. If, after investigating, the information is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete the disputed information. The lack of a proper assignment transfer document and the absence of other necessary validation renders this account unverifiable. Therefore, it should be deleted from my credit report. Given these strong defenses, I respectfully request that XXXX XXXX delete this account from my credit report immediately. I expect to see the deletion of this item from my credit file at the earliest possible opportunity, as it does not meet the legal standards for reporting under the FDCPA and FCRA. Please provide written confirmation that this account has been deleted from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

Bankruptcy XXXX XXXXXXXX Filed on XXXX XXXXXXXX XXXX Reference number : XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I received an offer in the mail from Citibank for 4.75 % promotional interest for 3 months. The instructions were to visit a physical branch open a saving account between XX/XX/year> - XX/XX/year> and deposit the required " New to Citi '' funds within 10 days to receive the promotion. 

I have never had a Citibank product before. 

I visited a local branch on XX/XX/year>, with the flyer in hand and opened a savings account. 

On XX/XX/year>, I transferred {$74000.00} to the recently opened account. 

On XX/XX/year>, I received an interest payment of only {$3.00} which prompted me to call Citibank customer service. The representative stated they needed a code to identify the promotion and I told the representative there was no code, just the flyer with instructions. The representative told me I would have to visit a local branch for help with the promotion. 

Approximately the first week of XX/XX/year> I visited the branch with the flyer and inquired why I'm not getting interest at 4.75 % interest. I was informed the interest comes at the end of the 3-month promotion. 

I returned to the branch XX/XX/year> with the flyer and spoke with the branch manager who submitted a ticket regarding the issue. Unfortunately, I used the flyer to kill a bug on the managers desk. He said I wouldn't need it anymore and I tossed it. Luckily another promotion came in the mail with identical instructions so still have a copy of the criteria. 

I returned to the branch XX/XX/year> and spoke with both the branch manager and the banking employee that opened the account. I walked in and literally said, " Where's my money '' to which the branch manager stated you got it. I shook my head while saying aloud " No, I didn't. '' After checking the computer, they said it was denied because the {$74000.00} I deposited was not " New-to-Citi '' funds. I stated that's not true, and they both agreed. 

The branch manager and banking employee kept tag-teaming the computer and ended up submitting what sounded like two different tickets for the promotional interest issue. 


XX/XX/year> I discovered a letter in my Citibank account regarding this issue. 

The letter is suspect because it contains discrepancies and false information. 

The letter states that I didn't have " New-to-Citi '' funds which is false. 
The 4.75 % promotion required a minimum of {$100000.00} which is false A minimum of 6 months balance to receive the promotion which is false I believe I'm strung along and lied to.
Consumer complaint received 2024-08-25
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-30
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ECMC GROUP, INC. (CA)

I was sent a correspondence from ECMC, attempting to a collect an alleged debt, also threatening to defame my name and character by falsely reporting to the credit bureaus as defaulted loans in collections. On XX/XX/year>, I sent via certified mail a notarized affidavit ( which will be attached to this complaint ) to ECMC addressing this matter. None of what I presented and requested in the affidavit was responded to or addressed by an authorized representative of ECMC. Also, I previously filed CFPB complaints on XX/XX/year> ( XXXX ) and XX/XX/year> ( XXXX ) addressing this matter. Since there wasn't a response/rebuttal by affidavit from an authorized representative verifying and validating the alleged debt, the facts were established that there is no debt and this matter was closed.
Consumer complaint received 2024-09-02
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. (SC)

In accordance with the Fair Credit Report Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 
1681. 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, 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 an account without my written instructions. 15 U.S.C. 1681 c ( 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 7 years, 15 U. S.C. 1681 s-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 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (GA)

Discover bank open a credit card in my name through the pandemic with out my knowledge this credit card does not belong to me I have called multiple times and ask them to take this off my credit report they have committed fraud and identity theft afoant me by using my information to open this credit card in my name, I want this card removed from my credit report immediately, I will sue this company for damages and keep these complaints as proof that discover bank will not provide evidence to me as I requested they have refused, this discover bank needs to be investigated because this card was open when the coronavirus started and this has caused e problems with finding work and has did damage, Im demanding that discover bank removed this off my credit report, I have spoke to them on the phone problem is they have sent me to several different departments nobody wants to speak to me about the issue and problem, they hang up on me, all there doing is using my identity to try and keep my information, they have sent things through the mail wanted me knowing I do not stay at that address which it is my girlfriends address not mine shes fixing it file a complaint for harassment because my information was leaked on the web with all my information because other credit cards were open in my name and those credit card companies took me serious I done showed discover bank the amount of identity theft that had happen to me and they will not take this serious this is my last straw I will sue this company for actual damages, Im tired of this completely this card was not open by me now leave me alone for I call XXXX XXXX and give this information to an XXXX XXXX to put this on national television, and expose discover bank has used the pandemic to open up fraudulent accounts in my name and is refusing to take it off my credit reports, I am now at a point that I will hire an XXXX to help resolve this matter Im tired of talking and being nice at past that point now take it off my credit report and CFPB need to investigate discover card because I know Im not the only one thats going through this, I sent dozens of pieces of information to XXXX XXXX  showing what I have been through Im asking for the last time I dont care how big this company is I have won for the same reasons against bigger companies and won my cases, take this off my credit report I will sue and expose this on national television please dont text me this information is now in the hands of a XXXX XXXX  and soon to be XXXX, take it off and leave me alone Im also XXXX XXXX veteran and feel like XXXX XXXX is taking advantage of me not taking this off my credit report and they know this this credit card does not belong to me Im sending a letter the the va showing Im a XXXX veteran stop taking advantage of and leave me alone
Consumer complaint received 2024-08-26
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. (GA)

AFFIDAVIT OF DISPUTE AND NON-CONSENT XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/year> To : TransUnion XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Unauthorized Information on Consumer Report Dear Sir/Madam, I, XXXX XXXX XXXX XXXX hereby submit this affidavit regarding a matter of urgent concern. It has come to my attention that [ specific account or item ], identified by [ account number or reference number if available ], has been reported on my consumer credit report. I contend that this information was furnished without my consent and is therefore in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( b ). 
1. Statement of Facts : * I did not provide any authorization or consent for the reporting of the aforementioned information on my credit report. 
* The inclusion of this information on my consumer report is a violation of my rights under 15 U.S.C. 1681a ( b ), which stipulates that consumer reports must only include information relevant to the consumer 's creditworthiness, and that such information must be reported with the consent of the consumer. 
2. Request for Action : In accordance with 15 U.S.C. 1681i, I am requesting that the disputed information be investigated and removed from my credit report immediately. Please provide written confirmation that this information has been deleted and that my credit report has been updated accordingly. 
3. Supporting Documentation : Enclosed are copies of my recent credit reports from your respective agencies highlighting the disputed entry, as well as any other documentation that may support my claim. 
4. Contact Information : Please contact me at XXXX or XXXX should you require any additional information or documentation to expedite this matter. 

Thank you for your prompt attention to this serious matter. I trust that you will address this issue in accordance with the provisions of the Fair Credit Reporting Act and ensure that my credit report is accurately and fairly maintained. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

I had agreed to a promotional offer on a purchase of no interest charged for a period. I selected autopay to pay the minimum amount to avoid interest. After the promotion expired, the balance was not automatically paid in full. Instead only the minimum continued to be applied. Synchrony bank also added all interest accrued during the promotional period because the amount was not paid in full. This feature was not made clear in the promotion advertising. Due to this error, my account has accrued XXXX XXXX XXXX in interest and synchrony bank refuses to waive any of the interest charges.
Consumer complaint received 2024-08-25
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. (FL)

Attn : To whom it may concern, Greetings! 

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

Acc. Name. Acc. Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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.