davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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. (NC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-10
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. (IN)

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 2024-10-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I am a XXXX  staffer to XXXX  Attorney General XXXX XXXX. After conferring with the Chief of our Consumer Protection Bureau, she recommended that I file this complaint. 

On XX/XX/XXXX, my wife and I purchased a new oven and stovetop from XXXX in XXXX. They were running a promotion that provided 12-month, interest free financing if you made the purchase with XXXX  credit card processed through Synchrony Bank . I signed up for the card and made the purchase ( approximately {$3500.00}, I believe ). I also provided my bank account information to Synchrony so that the monthly payments could be auto-deducted. 

Fast forward to yesterday when I was about to purchase a new washer and dryer from XXXX. There is a similar promotion running right now that I wanted to take advantage of and the XXXX customer service representative advised that I would need to call Synchrony to confirm the purchase before she could process it. I called Synchrony and was informed via automated message that I have a balance of {$2100.00} from the XXXX purchase. This, of course, was startling as I thought the XXXX purchase was paid off at the end of XX/XX/XXXX. At that point, I enrolled my account in Synchronys online services so that I could see what happened.

I eventually was able to speak with someone through Synchronys online chat portal. She confirmed that they had the wrong address on file explaining thats why Ive never received a statement. Additionally, she advised that the account was set for minimum monthly payments and, because of this, there was a balance at the expiration of the 12 month promotional period resulting in interest accruing ( approximately {$500.00} to date ). When I inquired as to why and when the account was signed up for minimum monthly payments, she simply asked if I would like to change the monthly payment amount. I also asked that in the event that I were to use the card again for the newest purchase, would the new charge need to be paid off in the promotional period ( from todayXXXX  ) or would the entirety of the balance need to be paid off during that time. She again asked if I wanted to change my monthly payments. 

I then posited that I believe that, unlike other credit cards, new accounts are automatically set for minimum monthly payments in an attempt to ensure that a balance exists at the end of a promotional period resulting in interest owed to Synchrony. When I asked her to confirm this, she disconnected the chat.

I dont think an average consumer would suspect that a credit card company would simply enroll them in minimum monthly payments in order to ensure the expiration of a promotion of which the consumer wanted to take advantage as a means to collect future interest payments. Also, as an aside, this never would have occurred if Synchrony set the statements to the correct address as I would have reviewed the statement and caught the practice.
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account 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. (PA)

I am writing to urgently follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable and reflects poorly on your agency 's compliance with legal obligations under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America inappropriately closed my account and I am quite disappointed by it. I have had this account for 20 years with a perfect payment history. My utilization was always 10 % or less. I believe Bank of America made an incorrect decision to break up with a great customer like me and I would like to request they reconsider my account closure and re-open my account.
Consumer complaint received 2024-08-10
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. (IL)

Hello- there have been tremendous errors in my credit report and they are greatly affecting my interest rates. I have reached out to the credit bureaus but none of them are properly responding. 

Upon reviewing my annual credit report, I see instances of some late payments reported, but in reality, I made on-time payments. These consumer reporting agencies have a crucial role to play and they must conduct a thorough investigation and get these sorted right away. 

I made timely payments for all these accounts : XXXX. XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) I would like to have a thorough investigation of the discrepancies and ask you to provide evidence of these late payments. If you can not furnish, please convert all these to " Paid On Time '' to reflect their true status. 

Please note that the information is very inconsistent among all the 3 reporting bureaus. Please take immediate action and update the reports with the next 1 week as I have been requesting to correct this information from the past 2 months and there was no proper response.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (SC)

VALIDATION AND CEASE AND DESIST Account number : XXXX XXXX XXXX Your NAME : XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (AR)

I am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. I would highly appreciate if you assist me to removed these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (CA)

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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. (GA)

I am writing to formally dispute inaccurate items on my credit report. These negative items are erroneous, and I request that they be thoroughly investigated and removed from my report. It is imperative that these errors be corrected to reflect accurate and positive information. 

Please treat this matter with urgency, and take immediate corrective action. If I do not receive a timely and satisfactory response, I will have no choice but to pursue legal action due to the significant harm these inaccuracies have caused in my life. 

Attached, you will find the necessary documentation, including dispute letters, identification, and other relevant information for your review.
Consumer complaint received 2024-08-10
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. (KY)

XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following Account NameXXXX  Account Number_ XXXX Original Creditor_ XXXX Date of Alleged Late Payment_ XX/XX/year> This account was closed and paid in full on XX/XX/year>. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
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. (FL)

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. 

The unauthorized inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention and review of this document as part of the investigation. 

I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation.

Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them. 
Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report. 

I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation.
Consumer complaint received 2024-08-10
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. (GA)

My information has been exposed in the XXXX data breach. The following accounts, and inquiries XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$4800.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out for your assistance with the incorrect entry on my credit report. This matter has XXXX affected my XXXX, and I need your help to resolve it. The way you have handled my XXXX XXXX has caused significant damage, leaving my XXXX in XXXX due to your inaccurate reporting. I urge you to correct these issues so that I can XXXX peacefully with my XXXX.