davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
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. (CA)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security number. 

XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have a previous complaint in on syncrony bank/care credit card. I wish to add additonal information. Today I received a statment. Upon reviewing the statement I noticed I was charged {$83.00} in fees. I immediately contact sycrony bank to discuss this. I was told that I am past due on my payment. I explained to them that I only made 1 purchase on this card back in XXXX. It is a no interest card if paid in full by XX/XX/XXXX. XXXX. From day 1 monthly payments are {$160.00} However the past few months the monthly payment is going up I explained how can this be if the balance is going down why is the monthly payment going up? On top of this I don't receive a statement every month from them. I call on the due date or 2-3 days prior to make the payment on the phone. They have no right to tell me that I'm not making the full miminum monthly payment that is required. As I stated prior from day 1 the minimum monthly payment is {$160.00}. Now they reported me to the 3 credit reporting agency 's as being 30 days late. This is completely wrong. The customer service rep was unable to go back the prior months to see why this is happening. To me this is not an answer. How can you not view the whole history from when the account was opened? And now i'm being charged late charges. I myself tried to view the account from 8 months ago and the system will not allow me to do so. I've had nothing with problems with this bank.
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security number. 

XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Got scammed thru wire fraud {$10000.00} on XX/XX/2022 from my bank account all in one transaction. Reported fraud, and now they are denying to refund me my money. I have sent in my police report of my identity being stolen and my other banks got scammed as well. They all gave me my money back in a XXXX! But nooo, not Bank of America. Its ALWAYS a hassle to get them to protect their clients from bank fraud.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MA)

There is a medical charge card, Care Credit, there is no selection for this type of card provided. I opened this account back in XXXX at my doctor 's office through their receptionist. The terms that the woman described when I opened the account and the actual terms were completely different ; as she opened my account on the computer at the reception desk with only my name, ss # and birth date. The receptionist at the doctor 's office mentioned there was a promotional interest rate with all new purchases and/or medical procedures done on the card, so I decided to apply and use it. No one ever showed to me or told me that if I didn't pay off the full balance before the end of the deferred interest rate period, that my percentage rate would go up an exorbitant rate ; this is criminal and should not be allowed. Case in point : my balance went up by {$2600.00} on XX/XX/XXXX, and I never even purchased that amount of charges in XXXX ; that was just interest from previous charges on a deferred interest rate, so they said. 

I called the Care Credit XXXX owned by Symphony Bank ) and they said these are valid interest charges they adding to my balance since I did not pay the entire balance before the special interest charge deferment period ended. Therefore, they added {$2600.00} to my TOTAL BALANCE on XX/XX/XXXX saying that is what I owe now ; which has made my minimum payment double and I am currently on unemployment since I lost my job in XXXX. THIS IS DECEPTIVE and wrong! I never agreed to this!! This terminology used by the doctor 's office is misleading, and when the receptionist opened my account, this stipulation on the interest free period was NEVER given to me or relayed to me ; therefore, I had no idea about this until I received this huge bill all of a sudden from Care Credit. 

I feel that Care Credit purposely does this so they can get people to charge services at medical facilities without the suspecting customer knowing the deceptive, tricky, underhanded way Care Credit deceives their customers into thinking this is a viable way to pay for any medical services not covered under medical insurance. I have read online that Care Credit has a habit of doing this in the past and was fined for it ; it seems that they have not changed at all and still performing these deceptive business practices because the fines are negligible and the US Govt. doesn't seem to want to stop them. No company should be able to trick and deceive their consumers, especially when there is medical procedures and practices involved with the credit.
Consumer complaint received 2020-03-03
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: Penn Credit Corporation (KY)

I had a call from XXXX. They asked if was the resident, immediately asked for personal information without saying their name or who the company was. I had to asked for her name and the company name.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-03-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Scott Fetzer Financial Group Inc. (OH)

Purchased a XXXX vacuum system billed through XXXX XXXX XXXX XXXX. 

I had missed a payment over a year ago and the company started attaching late fees to my account every month because I did not date my payment for the due date ( I had paid multiple payments BEFORE the required due date and in many case paid a few dollars more. ) I have all bank statements that show a payment every month. 

Every time I attempted to speak with customer service I was told there is nothing they could do to stop the late fee from becoming so high and continue to add fees even though I pay my monthly due amount. So essentially, I will NEVER pay this off. 

I offered to return the item and repeatedly asked to terminate the agreement and all requests made to UCFS were not granted due to original product contract. 

I continue to pay the monthly amount due per contract agreement and I'm STILL receiving calls regularly that state I need to get my account current to avoid further action but every time I ask to speak to a manager or supervisor, I am told there is nothing they can do.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is reporting that I have and open account. I do not have an open contract with XXXX XXXX XXXX. I do not have a collection Im requesting that the account be permanently removed from my credit file as it is damaging my scores to buy home.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (FL)

In accordance with the FAIR CREDIT REPORTING ACT XXXX # 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Consumer complaint received 2022-12-27
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (GA)

Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXXXX Balance {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00XXXX XXXX XXXX XXXXXXXX Balance {$300.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. I have also attached a notification from Experian that this item is deleted from my credit report however, it is still being reported. ) I was searching for a place to live while I was in XXXX and I saw an advertisement for 2bed/2bath apartment. I spoke with Ms. XXXX over the telephone and she showed me the apartment unit on XXXX so I trusted she was showing me the apartment I agreed to rent. I sent her a deposit of {$2500.00} and signed the lease agreement. As it turned out, the apartment she actually wanted to rent to me was a 1bed/1bath unit. ( I have attached a copy of the add she sent me along with a copy of the text message from her. ) I told XXXX I have a family and required a 2bed/2bath unit and that I wanted the unit we had initially agreed upon which was the 2bed/2bath unit. She informed me that this unit was not available. I decided not to rent the place simply because ( 1 ) it was not large enough, and ( 2 ) I was completely misled. Ms. XXXX would not let me out of the original lease that was signed and she would not return my security deposit either. This is fraudulent advertising and Ms. XXXX willfully took money from me under false pretenses. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-11-29
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. (ND)

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 u.s.c 1681.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... 15 u.s.c 1681 section 602 A. states i have the right to privacy..

15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I had previously looked into this account with false information, and after reviewing my report, I realized that the identical account continues to be false, with a confirmed status. Please update the enumerated account below : XXXX XXXX XXXX  XXXX XXXX : {$8400.00}
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (NY)

I pulled my credit report and notice a charged off account from ( XXXX XXXX XXXX XXXX for XXXX ) according to the FCRA 15 U.S. Code 1681 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have a right to privacy and have not given you permissible purpose to report. Also 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; this was a transaction that shouldn't have been reported again i never give any written permission to report 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any 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. with this information you have violated my right as a consumer and i want this account deleted off my account.
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Hello i've sent dispute letters to XXXX, Equifax, and XXXX this is the fourth round of letters i've sent out and disputed without any results. My last round was sent out XXXX XXXX. It's been over 30 days and nothing has changed. These items are not mine and are hurting my credit status as im trying to purchase a new home in the near future, thanks. 
Creditor : XXXX XXXX, Account : XXXX Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Credit Inquiry from XXXX XXXX  XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXXXXXCredit Inquiry from XXXX XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX  XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX, XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX, XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : XXXX - XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordante wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account opened- XXXX XXXX credit limit {$1100.00} I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX  XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX