davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received your written response dated XX/XX/2024. 

Why did the system even allow me to select 10 Months ( 5.30 % APY ) during the non-renewal period? 
This option SHOULD NOT HAVE BEEN THERE for me to select. 

Additionally, Your next APY will be calculated on your maturity date could easily be misunderstood to mean that the next APY would be 5.30 %. 

Very disappointing, and nothing short of misleading the customer. 

Also you did not answer the most important question why is there NO WARNING ON THE RENEWAL SCREEN THAT THE INTEREST YOU SEE IS NOT THE RATE YOU WILL GET. 

Capital One needs to update its system for CD renewals and WARN ALL CUSTOMERS ABOUT THE ABOVE ISSUE if they happen to renew their CDs during the NON RENEWAL PERIOD. 

THE WARNING SHOULD BE IN BOLD, RED FONT. 

I am sure there are others customers like me who have been tricked into thinking they were going to get a good rate, and ended up with a much lower rate.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (AZ)

Company had scheduled foreclosure sale for XX/XX/XXXX. Sale was cancelled due to my filing of suit in federal court and filing of a les pendens. Inconsistencies were found with time barred debt among other issues. Our congressional Office sent a request for more information and responded with letter ( see attached ). This response letter was not even signed by an officer of SLS in response to a congressional inquiry, canned signature by XXXX a teller, no title or official office. This shows to me the lack of seriousness with which they assign these type of issues. This is all a continuance of a ZOMBIE mortgages that SLS is trying to foreclose on utilizing a fraudulent deed of trust.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently discovered I have unauthorized accounts that i did not open. I've been trying to build my credit score and once I discovered the problem I knew something was off. I would like for these unauthorized accounts removed expeditiously! This is my life and future on the line and I would like for this to be resolved.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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.

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!
Consumer complaint received 2023-12-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/XXXX I was double billed XXXX, or billed twice. I spoke with XXXX XXXX id # XXXX ) who said she could not remove the charge off of my account for at least 60 days. She explained that was the amount of time it took to dispute the charge. 

I did on XX/XX/XXXX purchase a shed from Lowes, but I did not want to be doubled billed for the cost. And it is not fair to me that this amount sats on my credit. They are sloppy. I want this credited back to the account as quickly as possible.
Consumer complaint received 2024-09-25
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. (CA)

I am reaching out for your help regarding the account inaccurately reported on my credit report. This issue has been harmful to my reputation, and I need your support. The way my credit report has been treated has left me in a difficult position, as the incorrect reporting has damaged my reputation. You need to clear this misleading information from my credit report.
Consumer complaint received 2024-09-25
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)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXXXXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, ACCOUNT # XXXX, XXXX  ACCOUNT # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing , Inc. has wrongly increased my monthly mortgage payment from {$1300.00} to {$1400.00}. That they issued my Annual Escrow Account Disclosure Statement the end of XXXX when I always get it issued in XXXX. There was no valid reason to do this as I did not request this nor was there a significant change in my tax or insurance amount to update out of the typical annual cycle. That they stated in writing that my monthly mortgage payment would increase by {$15.00}. This would make my monthly payment {$1300.00} not the {$1400.00} they are requiring me to pay. That they have acknowledged my letter dated XX/XX/2024 informing them of the mistake and have done nothing. I issued another letter and made phone calls, but they have done nothing. I would like to pay the difference, if there is legally one, of any shortfalls to keep my monthly mortgage the same, but can not because if I paid the {$15.00} as they state, I would still be short {$13.00} since they show the actual payment increase is {$140000.00}. Select Portfolio Servicing, Inc. is displaying a total disregard for current state and federal laws concerning mortgage payments and appears to be totally disregarding the facts concerning my account.
Consumer complaint received 2024-09-18
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. (AR)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-18
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. (AL)

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. 

and list of Inquiries. 

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.

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 2024-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Columbia debt management and or Genesis credit management is a collection agency representing a creditor that committed a breach of contract agreement. A part of the requirement to pursue was to contact Code enforcement of the City. An officer responded to my request made for mistreatment and in habital conditions. He stated this matter would need to be settled in court. Columbia debt management and or Genesis credit management assumed debt owed in XX/XX/XXXX. I called Genesis Credit Management in XXXX stated to them I have and would be pursuiting legal rights for this matter. Furthermore, I discuss that this agreement between landlord and tenant came as a failure to meet owner duties in maintenance and safety for health conditions for the place I reside in. The statues of law are within limitations for me to recover for punitive damages. I stood in front of a judge in XXXX XXXX XXXX magistrate court and was told that the original entity requesting debt owed wasn't the entity to bring in this matter of justice. The original creditor or entity is doing business as the sister company to XXXX property management, who is the parent company. The matter was never brought to court for eviction for due process. stance does not meet FCRA and FDCPA. As of XX/XX/XXXX, Collection agency is aware that I can bring legal action against them for abusive and harm tactics on my credit report. Below are some of the documentation working towards legal remedy.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-04
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX
Consumer complaint received 2024-09-25
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-18
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Violation of FCRA 15 U.S. Code 1681b Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the permissible purposes of consumer reports, specifically under 15 U.S. Code 1681b, by TransUnion, XXXX, and XXXX. 

On XX/XX/year> I discovered that my consumer report was accessed by XXXX on XXXX, XXXX, XXXX  without my written consent. Also XXXX, accessed my report on XXXX, XXXX, XXXX  without my written consent as well. These companies are clearly in violation of the Fair Credit Reporting Act. As per the FCRA, a consumer reporting agency may furnish a consumer report only under specific permissible purposes, which do not include access without the consumer 's consent. 

I would like to emphasize that I did not authorize any of these inquiries, nor did I provide written consent for my credit report to be accessed by these parties. This breach of my rights under the FCRA is concerning, and I request that you investigate this matter promptly. 

I would like response to this letter and an update on the actions taken regarding this violation. 

Thank you for addressing this important matter. 

Sincerely,
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted this company over 2 years ago and opted out of them sharing my information and now I am still receiving denials based on their fraudulent unauthorized information. They are providing risk analysis to landlords without my authorization and they have yet to show what is in my report and why.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING is a third-party debt buyer and I have never contracted with this company. They have obtained my information without my consent and are reporting to the credit reporting agencies without my consent as leverage to force payment even though I am not legally obligated to. Due to LVNV FUNDING reporting to the credit reporting agencies my ability to obtain credit and the necessities for my household has been hindered, damaging my financial progress. I have been denied credit due to this collection account. This is an adverse item of information being reported without my permission which is a violation according 15 USC 1681c ( a ) ( 5 ).

I am a federally protected consumer per the FCRA. I am opting out of reporting per 15 U.S.C 6802 and 16 C.F.R. 313. Any authorizations whether it be verbal, non-verbal, written, implied or otherwise is hereby revoked. I know that I can opt out at any time and that demand shall remain in effect until I revoke that order in writing per 16 C.F.R. 313.7 ( f ) ( g ).

I have the right to make sure my private information isn't shared which is according to 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I demand that this item is removed immediately from my credit report and I am compensated for the damage caused by the reporting of this adverse information on my credit report.

I have attached a copy of the letter I sent which was neither replied to nor acted upon.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and 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 reported to be removed/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.

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!
Consumer complaint received 2024-09-17
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. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-04
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. (MD)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered XXXX XXXX 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-03
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. (NY)

Another person was using my information for open credit card accounts and another account, please remove this from my credit report XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX XXXX - # Account # XXXX XXXX - Account # XXXX