davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to file a formal complaint against XXXX Bank for improperly reporting a balance on my credit report that was supposed to be covered by GAP insurance. This balance should never have been assigned to me, as my GAP insurance provider was responsible for covering the outstanding amount due to an insured incident. Despite my efforts to resolve this matter with XXXX Bank and to inform them of their error, they have continued to inaccurately report this balance, causing undue harm to my credit. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) as it constitutes a misleading representation of my debt obligations. It is XXXX Banks duty to verify the accuracy of the information they report and to refrain from representing any balance as due when they know, or should have known, it was supposed to be paid by GAP insurance. The reporting of this balance as a legitimate debt violates the FDCPA 's prohibition against using unfair or deceptive means to collect a debt.
Consumer complaint received 2019-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MI)

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found t

he following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found
within the consumer protection laws.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2018-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
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: Mobiloans, LLC (MI)

I applied for a loan through Mobiloans to help improve my credit score by making regular payments. I was approved and made every payment on time and paid in full successfully. I noticed that they had not reported any information to XXXX or XXXX. I called Mobiloans customer support on XX/XX/XXXX to inquire about why it has not been reported to all three agencies and also to ask them to report it. They told me that I would have to send them an email with the request to XXXX - I sent the email request on XX/XX/2018. In the email I clearly stated that I would like my loan account and all payment information reported to all three credit bureau 's ( XXXX, XXXX & XXXX ). I also indicated my name, email address, phone number and my loan account number. I never received a response indicating that they had received the email or if they were investigating my request. I called mobiloans customer support line again on XX/XX/XXXX to inquire about my request and to ask why I still have not had a response. They told me to send the request again and also copy the support email box and they would make sure the information was going through and the request was being handled. On XX/XX/XXXX I forwarded my original email and also included additional information and sent it to XXXX and XXXX. As of today, XX/XX/XXXX I have still not had any response from Mobiloans. They have not acknowledged that they have received my email requests and they have not made any attempt to contact me with any information regarding my request
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

I reviewed my Consumer Reports and noticed that I had late payments on an account. I was always on time for Consumer Reporting Agencies, which have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. This account already shows paid in full in my credit report with late payments that never were late : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof of statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated on time as they should be, as I was NEVER be late. Thanks.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : Chase Business Credit Card XXXX
Consumer complaint received 2024-11-08
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)

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681 ( 5 ) the Fair Credit Reporting Act. 



Account Information : Account Name : XXXX CARD Account Number : XXXX Date of Charge Off : XX/XX/2019 Amount : {$770.00} Despite providing clear evidence of the inaccuracies in the above-reference account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information. 


The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 


I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.
Consumer complaint received 2024-11-08
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. (GA)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$19000.00} INQUIRIES : XXXX XX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to urgently request the removal of an incorrect late payment entry from my credit file for XXXX last year. This entry had been previously removed but has reappeared, despite the account being fully paid off at that time. I consistently make my payments on time and use this card specifically to build my credit. 

This error is critically affecting my credit score and my current effort to purchase a house. Please remove this late payment entry immediately to correct my credit report. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2018-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.
Consumer complaint received 2019-04-06
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: EQUIFAX, INC. (GA)

Equifax was my monitoring service until I got frustrated with them for having the address information. They showed me living at an address I hadnt lived at in 4 years. Because of that I lost ability to secure a product that used Equifax. 

So, I dropped them. Once I dropped them and went to XXXX  -- Equifax dropped my credit from XXXX to XXXX. 

Changes to my credit has been positive noted by XXXX and XXXX. 

I paid of three accounts in full and reduce the balances on my accounts average 20-25 %. 

When I was with Equifax my credit scores were higher even with my credit cards much higher/maxed out and had 3 additional accounts with high balances. 

I do think that credit reporting agencies are unethical. In this case, note the significant decline in credit scores despite my credit improvement.
Consumer complaint received 2019-04-06
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: ALLY FINANCIAL INC. (IL)

On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, Ally Finan  I, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-08
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. (NV)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and XXXX be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I XXXX suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (IA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7700.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-11-08
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. (FL)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2019-04-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/XXXX, I opened an account with Synchrony bank with the following accounts and also signed up for Credit Protection during the same time period with : 1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX I also informed Synchrony Bank that we encountered a major extenuating financial circumstance with our daughter who was hospitalized for over 34 Days including XXXX and XXXX due to her XXXX XXXX XXXX illness and XXXX due a XXXX XXXX which occurred at the end of XX/XX/XXXX and I had also lost my employment at the end of XX/XX/XXXX as well. I We attempted to keep up with all of our payments for each account listed above through XX/XX/XXXX. We could not keep up and had to continue to care for our daughter and look for employment at the same time. We incurred over {$50000.00} in medical expenses and I, in turn, notified Synchrony bank via phone and via mail with a letter in XX/XX/XXXX explaining our situation and did not receive any true support or help from Synchrony Bank and have since been harrassed by all of their Assigned Credit Collection Agency whom they sold the account to and numerous law suits which should not have occurred, due to the false and misrepresentation when I called on several occasions regarding our extenuating medical and financial circumstances. I also reached out via their online Customer Service Complaint portal regarding my concerns surrounding the Credit Protection Plan which I thought was completed and implemented as part of our Credit Card Agreements ... .I would not have signed up for 5 Credit Cards without inquiring or signing up for a Credit Protection Plan especially with unforeseen matters which may occur and did occur when our daughter was hospitalized for over 34 Days including XXXX and XXXX. We have gone through so much XXXX, XXXX  and XXXX distress since the end of XX/XX/XXXX and am still trying to get back on our feet financially. Synchrony Bank was made aware of our circumstances and refused to honor a Credit Protection Plan even if it were their oversight which it was. We have been harrassed with over 200 calls per Credit Collection Agency and have had Marshalls and Sherriffs come to our home over these accounts which is very demeaning and harassing and has caused severe mental anguish for both my husband and I and this is also another extreme form of XXXX discrimination. We also informed Synchrony Bank that we were U.S. Veterans and that my husband is a XXXX XXXX XXXXXXXX Vet. Synchrony has been very heartless, pious, and uncaring to us as U.S. XXXX XXXX Citizens who has Served the Country who have unfortunately experienced unforeseen extenuating Medical & Financial circumstances. This is also another form of Financial Greed with no heart for anyone except their own pockets of profit.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (NJ)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.