davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report and I noticed I had data breach and fraudulent account on my consumer report. These accounts that I have listed is in accurate and false information consist of personal credit cards account and closed auto loans account and third-party account I never seen before. I disputed these accounts with Trans Union and I never received the response or removal of third-party fraudulent account fraudulent auto loans fraudulent credit card account and hard inquiries I have reporting I disputed these accounts on XX/XX/year> dispute ID number # XXXX I request all fraudulent accounts will be removed immediately. Consumer credit law.pursuant to FRCA at 605B ( 15u.s.c.s 1681c-2 )
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.
Consumer complaint received 2024-10-17
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: SYNCHRONY FINANCIAL (MI)

After several attempts of contacting the credit bureaus and synchrony XXXX  XXXX  Lowe 's to add the account to my credit profiles the account was never added to my XXXX XXXX or XXXX. The account number is XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern, I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. 

XXXX XXXX XXXX XXXXXXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXXXXXX XXXX XXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXXXXXX XXXX XXXX XXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXXXXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Consumer complaint received 2024-09-26
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. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Synovus Bank (IL)

I am writing to file a formal complaint regarding 1st Progress Credit Card, which has failed to honor the provisions of the Servicemembers Civil Relief Act ( SCRA ) in relation to the reduction of interest rates on outstanding debt while on XXXX XXXX. As a XXXX on XXXX XXXX XXXX, I requested an interest rate reduction to XXXX XXXX  as allowed under the XXXX, but [ Credit Card Company Name ] stated they do not support this interest rate reduction. 

This lack of compliance directly contradicts the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX under the XXXX, which is designed to ease financial burdens during active service. I am able to provided all necessary documentation to 1st Progress proving my XXXX XXXX XXXX, but they have refused to adjust my interest rate accordingly. 

I respectfully request that the CFPB investigate this matter and ensure that 1st Progress Credit Card complies with federal law to provide the proper interest rate reduction for servicemembers. I appreciate your attention to this matter and look forward to a timely resolution.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are companies that are reporting me as late even though I'm not that's why I need you to look at the attached documents to understand what happened.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to bring to your attention the discrepancies in my credit reports regarding late payments. Specifically, the payment information across all three credit bureausTransUnion, XXXX, and XXXX inaccuracies. For instance, XXXX indicates that my May payment was not made, while XXXX shows that it was paid, along with additional payments made ahead of schedule. 

I have contacted the company multiple times to request the removal of these late payments, as I was participating in the XXXX XXXX XXXX XXXXXXXX through my mortgage company. Once the assistance was provided, the program made payments not only to bring my mortgage current but also to pay ahead through XXXX, which is not reflected in any of the credit reports. 

Additionally, I submitted a XXXX letter requesting the deletion of these late payments, but I received a response stating that company policy does not allow for such action. After conducting further research, I have reason to believe this response is incorrect. Furthermore, I would like to highlight that my mortgage was sold to a new lender in XXXX, yet the previous company continues to report this inaccurate information. 

I would also like to draw your attention to the requirements under 15 U.S.C. 1681s-2 ( a ) ( 7 ), which pertains to the Notice of Negative Information . This statute mandates that a lender must provide notice to the consumer when negative information is reported to a credit reporting agency. Given the inaccuracies in my reports regarding late payments, it is crucial to determine whether the reporting company has adhered to this requirement, as the failure to provide proper notice may further support my case for correcting the erroneous information on my credit reports.

I kindly request your assistance in resolving these discrepancies to ensure that my credit report accurately reflects my payment history and complies with the requirements set forth in the FCRA. Thank you for your attention to this matter.
Consumer complaint received 2024-09-24
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. (NY)

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. 

Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2024-09-26
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. (FL)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

(

3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (HI)

To Whom It May Concern, I am contacting you about my social security number being compromised. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an attached FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, clearly violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this from my report immediately! 

XXXX XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, clearly violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this from my report immediately!
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo knowingly and intentionally engages in civil and criminal violations with respect to the mismanagement of my account and assets. 
XXXX. ) Wells Fargo knowingly and intentionally, in bad faith, blocked my ability to dispute transactions online which would provide a paper trail of the dispute. 
XXXX. ) Wells Fargo knowingly and intentionally destroyed, subverted, or conceals disputes because of some type of criminal alliance it has with with one or more branch via federal government itself and/or one or more private parties/entities. 
XXXX. ) XXXX XX/XX/year>, as a result of the foregoing, I was forced to incur the costs of mailing a written complaint to Wells Fargo regarding the criminal and civil misconduct occurring on the XXXX XXXX as provisioned for Visible.com for which I paid a monthly premium. 
XXXX. ) This is the second time disputing separate matters with Visible.com neither of which has been investigated by Wells Fargo but rather Wells Faro misrepresented the heart of the matter to one or more government agencies which is both a civil and criminal offense. 
XXXX. ) The facts show that the CFPB itself is involved directly with this civil-criminal misconduct. 
XXXX. ) See the attached with respect to the foregoing. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Upon reviewing my credit report, I noticed that there are hard inquiries that I never authorized. Below are the inquiries listed. 

XXXX XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX. XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX. XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX  Date of inquiry : XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX. XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XXXX
Consumer complaint received 2024-09-24
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. (PA)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks,
Consumer complaint received 2024-09-26
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. (GA)

I am requesting investigation to a Bankruptcy that is on my credit report, I was never notified of a bankruptcy reporting which is a violation of my FCRA right..Bankruptcy is not Reporting on My other reporting, I requested information from the bankrutcy court of reporting to credit agencies below I will attach necessary paper work..i ask that this bankruptcy be removed from my credit report
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Just recently, my credit score was greatly impacted from an inaccurate balance increase on my capitol one credit card this is causing me hardship and a stressful experience. 
This is the law and i want this resolved from reporting on all XXXX of my credit profiles from each bureau. Iv'e been charged interest rates that's been showing on my credit report as well. According to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information solely as to Transactions or Experiences between the consumer and the person making the report. These bluntly remarks are causing me denial of credit.
Consumer complaint received 2024-10-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Previous Complaint Number : XXXX Debt Collection Agency, Genisis, continues to violate and engage in unfair practices that violate the Fair Debt Collection Practices Act ( FDCPA ), including : Misrepresentation that they was contracted to collect on an alleged debt / joint account by XXXX XXXX XXXX XXXX XXXX. ( This contract must comply with relevant laws, particularly the Fair Debt Collection Practices Act ( FDCPA ) According to XXXX, XXXX, XXXX XXXX, there are no such contracts and there would be no collection agency hired by XXXX XXXX only by their XXXX XXXX XXXX  . The Rental agreement was fulfilled on XX/XX/XXXX. 

on XX/XX/XXXX Complaint Number XXXX was filed. On XX/XX/XXXX the Collection Agency Responded stated : However, the debt still exist on your ALL XXXX Bureaus and XXXX  Thiis appears to be another unfair practice and attempt to collect.
Consumer complaint received 2024-10-14
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, I applied for the Chase XXXX XXXX XXXX Credit Card through the following link : XXXX XXXX XXXXchase.comXXXX  At the time of my application, the advertised sign-up offer was for 5 free nights. 

However, upon receiving the credit card, I noticed that my sign-up bonus was incorrectly listed as XXXX points instead of the 5 free nights that I applied for. Since XX/XX/XXXX was the final day before the previous offer expired, I believe there was an error in processing my application.
Consumer complaint received 2024-07-07
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. (DC)

In accordancewith the Fair Credit Reporting Act ; the list of accounts below has violated myfederally protected consumerrights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account name : XXXXXXXX XXXX  XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : States that a consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681c. ( A ) ( 5 ) : States that consumer reporting agencies can not include adverse items of information ( other than records of convictions of crimes ) that are more than seven years old.

15 U.S.C 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.