davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing once again to dispute the account appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent account being opened in my name without my knowledge. While the bank has acknowledged this account as fraudulent and agreed to remove it from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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
Consumer complaint received 2024-03-19
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 not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested.
Consumer complaint received 2024-03-19
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. - XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-03-19
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. (NC)

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. Its my understanding that several credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. Account number : XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.
Consumer complaint received 2024-03-19
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. (AZ)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX
Consumer complaint received 2024-03-19
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. (NC)

XXXX XXXX XXXX XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report immediately.
Consumer complaint received 2023-09-19
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-19
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-19
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. (CT)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
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 (MI)

XXXX XXXX XXXX XXXX XXXX, MI, was where I bought 2 couches that were supposed to be power recline couches on XXXX XXXX XXXX The couches had to be ordered and were suppose to arrive around XX/XX/XXXX, initially, but received a call on XX/XX/XXXX that my couches would not be in for another week and no phone call that the couches were another week out. I had to go in on XX/XX/XXXX, and find out that my couches were finally in and they called me later that day to schedule delivery. I received my couches on XX/XX/year> but not at the time of day that was talked about on the phone and I was not there when both couches were delivered. I came home from work to discover I had received the WRONG couches. I went to the store at XXXX XXXX on XX/XX/XXXX. The store sales man said the manager would get back with me the next day but never did. I was told the manager was out of town and would not be back for a week. I never received a call from the manager.i filed a dispute after 3 straight days to get ahold of a manager to no avail. I still have the couches because I have no way of getting the couches back to the store or the manpower to lift and move the couches back out to a truck to take them back. Sychrony bank has closed the dispute without ever contacting me about the problem with the couches. I sent pictures to show that the couches are not power recline couches. I receive a letter from Sychrony bank that my dispute was denied because XXXX XXXX says they delivered the correct couches but never corrected the issue. The manager refused to talk to me about it before or since the incident started. It is now XX/XX/XXXX, and allni want is these 2 couches to be gone and the money back on my credit card so I can go somewhere else to get my couches.i will NEVER deal with either company again.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had a credit card for 7 years with Bank of America. A few months ago, my financial situation reversed and I started experiencing financial hardship. All my credit and loan accounts were notified. 
The rest of my credit cards ( {$12000.00} and {$15000.00} respectively ) are at 99 % utilization and behave as expected, you pay the minimum and the monthly payment goes down. This is not happening with Bank of America. My auto pay is set for the XXXX  of every month and has been since I opened the card. In the last three months, the payment for the XXXX doesn't process on time, so the card keeps assessing a late fee on the XXXX, rolls in the financing fees for the next cycle on the XXXX  and then processes the payment on the XXXX. This is the XXXX  month this has occurred in a row. I have reached out to them 3 times to fix this because the payments keep increasing. This month the payment is {$33.00} over the sum of its parts. 

{$100.00} was due on the XXXX. 
+ {$35.00} late fee assessed the XXXX, which they claim was not assessed. 
+ {$160.00} finance charge assessed on the XXXX. 
The total amount should be according to what thier customer service rep told me, {$260.00}, not {$330.00}. 
I can upload photos taken today on my Bank of America app with proof they lied to me on the phone telling me that it processed on time and I wasn't assessed a late fee. If that was true it would have not included the next cycle 's finance charges in my payment which is currently being processed today, XX/XX/. It would have processed on XX/XX/XXXX and posted to the app on XX/XX/XXXX. Leaving the new cycle 's finance charge to be paid on XX/XX/XXXX.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I believe that Chase is inflating credit card balances. I monitor my balances very closely, pay regularly and keep it at around {$500.00}. With this particular card, I stopped using it for a few days to test this out, and on Sunday paid a large sum so that the balance came back down to around {$500.00}. Specifically, this past Sunday XX/XX/XXXX my balance was {$2500.00}. I paid {$2000.00}. On Monday after the payment was processed the balance was {$620.00} dollars and there was only a new charge of {$53.00}. Every other charge was was older, had already been included in the {$2500.00} balance and there were no pending charges. Still the numbers dont add up. Today the balance is {$670.00} and there are no new charges. Small increments, yet I cant tie them to any charge. 

This happens regularly. Perhaps people dont notice and when they do l, Chase always chalks it up to in transit or pending charges. There are none of those in this example. Whatever was on the balance was already reflected and stated. Ill say it again, theres nothing new charged on the card. 

This is concerning and you should look into it. If true, the scale of fraud would be immense, and this has happened before at other banks as you know. 

I truly hope you are a serious agency.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found late payments from my credit card that were reported to all 3 bureaus. 
XXXX  XXXX : Late fees : XXXX ; Charge off : XXXX. 

I've attempted to get the late payments removed due to the hardship during the pandemic, and each bureau is violating my consumer rights.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-10-27
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.XXXX XXXXXXXX Balance Owed : {$71000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX Balance Owed : {$3300.00}.
Consumer complaint received 2023-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

XX/XX/ interest was XXXX XXXX Interest is XXXX some XXXX  have the same remaining balance I paid over XXXXXXXX XXXX I dont have warranty USA auto sales closed down westlake management took over we dont have a contract with them.
Consumer complaint received 2023-06-22
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. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (GA)

Subject : Cease Unauthorized Credit Reporting Immediately Citations from Georgia FCRA and Identity Theft Laws Dear AVANT, I am reaching out to address a concerning issue regarding unauthorized credit reporting, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), in conjunction with Georgia 's Financial Identity Fraud Act and Georgia Code Title 10 - Commerce and Trade . 

It has recently come to my attention that AVANT has been reporting information to my credit report without obtaining my explicit consent, which is a clear violation of both federal and state laws. The FCRA explicitly states in Section 1681b ( a ) ( 2 ) that consumer consent is a prerequisite for such reporting activities, a requirement that AVANT has failed to adhere to. 

Furthermore, Georgia 's Financial Identity Fraud Act, along with relevant sections of Georgia 's Code, reinforces the importance of consumer consent in credit reporting and outlines the severe consequences of unauthorized access and misuse of personal information. 

I want to stress that I have not provided consent for AVANT to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights and could potentially harm my creditworthiness, in direct contravention of federal and state laws. 

I demand, unequivocally, that AVANT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Georgia state laws pertaining to financial identity fraud. Failure to comply within the stipulated 30-day timeframe will be considered a deliberate act of noncompliance and may incur penalties as per applicable laws.

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Georgia state law, established to protect consumers like myself from unauthorized and detrimental credit reporting practices. 

I expect AVANT to address this matter promptly and rectify these violations without delay, in accordance with federal and state regulations, thereby respecting my rights as a consumer. 

This communication is made in good faith, with the expectation of swift and appropriate action. 

Sincerely,
Consumer complaint received 2023-10-27
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)

This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2024-06-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (LA)

On or around XX/XX/XXXX I applied for XXXX separate cards with synchrony bank. One ( secured card ) of which I was approved and another ( amazon store card ) which I was not. Upon approval I attempted to find my debit card in order to make a deposit. When I opened my phone up I had been logged out. Shortly after that I logged back in to the account to try and fund it, but there was no such place to do that. So my first step was to reach out to XXXX, which I did. I spoke with several people who claim to have no idea how to fund the account and said that it was synchrony who I should be speaking with in order to fund my account. Shortly after that I reached out to synchrony and they could see the approval but was unable to fund me on there site which lead me back to XXXX.. who lead me back to synchrony. These people are the worst ... XXXX  should cut ties.
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.