davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (UT)

I have been a holder of the Verizon credit card issued by Synchrony for over a year, diligently using it to pay my monthly Verizon account charges. According to the card 's terms, I am entitled to receive 2 % back in Verizon rewards on my payments. Despite having spent over {$5000.00} with the card, which should equate to more than {$100.00} in rewards, I have yet to receive any reward credits. 
I have attempted to resolve this issue by contacting customer service on two separate occasions, yet the matter remains unresolved. This situation not only fails to honor the advertised card benefits but also undermines the trust and value of using the card for Verizon payments. 
I am writing to formally request the immediate crediting of the overdue rewards to my account based on my past spending. Furthermore, I seek assurance that the rewards program will function correctly going forward, ensuring that I receive all entitled rewards promptly for future payments. This resolution is crucial for maintaining the integrity of the Verizon credit card program and the trust of its users.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (MI)

XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed off of my credit profile. IN know that factual information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit and has caused great financial harm because I can not obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off of my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. inquires listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. If they aren't removed, I will be filling an IRS form XXXX reporting them for unreported income, false/altered XXXX unsubstantiated income, and KICKBACKS, since these companies are paying XXXX to do XXXX with them. I'm also demanding that XXXX pay me {$1000.00} for violation for failure to properly investigate! I will also be filling a small claims lawsuit in court and willing to take the case all the way to federal court for defamation of character because it looks like XXXX is refusing to remove these fraudulent inquiries due to their business relation with these companies if they don't remove them I'll file attached paperwork!!
Consumer complaint received 2024-08-06
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. (NY)

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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with EQUIFAX 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 

EQUIFAX 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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Dear CFPB Representative, I am writing to file a complaint regarding inaccuracies on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies, the incorrect information persists, and I am seeking your assistance in rectifying these errors.

I have identified the following inaccuracies on my credit report : Incorrect Name ( s ) : Name ID # XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX XXXX, Name ID # XXXX XXXX XXXX Incorrect Address ( es ) : Address ID # XXXX Incorrect Phone Number ( s ) : ( XXXX ) XXXX - XXXX ( XXXX ) XXXX Incorrect Employers : XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), credit reporting agencies are required to ensure that the information they report is accurate and up-to-date. Specifically : FCRA Section 1681i : This section mandates that consumers have the right to dispute inaccurate or incomplete information, and the credit reporting agency must investigate and correct or delete the information if it is found to be inaccurate.

FCRA Section 1681e ( b ) : This section requires that credit reporting agencies follow reasonable procedures to ensure the accuracy and integrity of the information they report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the claimed balance of {$1100.00} on my account, as per complaint number XXXX, and to address the unlawful reporting of these disputed charges to credit bureaus, which I believe violates my consumer rights under federal and state law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : As previously stated, my apartment suffered from severe infestations and mold, making it uninhabitable. Despite numerous requests, these critical issues were not resolved, breaching the implied warranty of habitability as guaranteed under [ Your XXXX ] XXXX XXXX ( specifically, [ cite relevant statute ] ). 

Improper Use of Security Deposit : The security deposit should cover any claims for damages due to conditions that were beyond my control and responsibility. The request for additional payments is unjust, especially when considered against the backdrop of your failure to maintain the property as legally required. 

Illegal Credit Reporting : Furthermore, the action taken by XXXX XXXX XXXX to furnish this disputed debt to credit reporting agencies prior to the resolution of this dispute may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report only accurate and fully verified information to credit bureaus. Under the FCRA, I have the right to dispute inaccurate information, and creditors are obliged to refrain from reporting disputed amounts until such disputes are resolved. Additionally, [ Your XXXX ] XXXX XXXX XXXX ( [ cite specific statute ] ) also provides protections against unfair billing and credit practices. 

Request for Immediate Correction and Account Review : I request an immediate retraction of the debt reported to the credit bureaus until our dispute is formally resolved, in accordance with the FCRA and state law. I also insist on a thorough review and adjustment of my account, considering my detailed objections to the charges and the propertys failure to meet legal habitability standards. 

I urge XXXX XXXX XXXX to address these concerns promptly and in compliance with all relevant laws to correct any inaccuracies in my credit report and resolve this financial dispute fairly. 

Thank you for your attention to these serious matters. I anticipate your cooperative resolution and await your detailed response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-08-06
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. (MI)

XXXX XXXX XXXX- Account number : XXXX This account isnt mine. Please provide the description of the procedure of the investigation used to verify this account if you cant please delete this account immediately. 


I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

I received a letter from you stating that the account was verified but I never signed up for this it even says " joint? '' I would like to know what was verified as this is incorrect. Please remove from my credit report.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

My wife name is listed not mine they put tradelines under both our names for 1 account that has been closed since 2020 I have disputed at euifax, and XXXX  neither will fix it
Consumer complaint received 2019-12-23
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Onity Group Inc. (AZ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b.
Consumer complaint received 2024-08-07
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. (RI)

I reviewed my consumer reports, and I noticed that I had some inquiries on a bureau that I was never applied for XXXX XXXX XXXX have assumed a vital role and I have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been applied for t ( he XXXX XXXX XXXX XXXX/XXXX/2023, XXXX XXXX XXXX XX/XX/XXXX2023 and Td Auto Finance XXXX/XXXX/2022, In accordance with the Fair Credit Reporting Act, the list of accounts I already mentioned has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1581. 
DELETE THE ACCOUNT FROM MY CONSUMER REPORT TRANSUNION
Consumer complaint received 2024-09-08
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)

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them that i ve been living outside the united states for over 10 years and no one responded
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

The following is response to complaint ID 's XXXX XXXX The following hard inquiries were not added on those reports EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-08-06
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)

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 XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX XXXX XXXXXXXX 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 in those account to be removed. 

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. 


XXXX XXXXXXXX XXXX  XXXX 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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-06
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. (TX)

XXXXXXXX XXXX XXXX XXXX is reporting negative on the credit report without even giving the consumer an option of relief or deferment on the credit account based on a national declared disaster that tie XXXX Texas back to back, a tornado in XXXX of 2024 and then a hurricane in XXXX of 2024. This creditor never have an option of relief on the account or payment arrangement seeing how the account was used without authorization during that time when the card was stolen during home displacement. Transunion and XXXX continues to report the account despite the fraudulent activity being reported which is against federal laws. An investigation was never done into the account
Consumer complaint received 2024-08-06
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 Reporting act Convergent account name XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-07-07
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.