davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

In XXXX of XXXX I purchased heating and air conditioning equipment, financed by Synchrony Bank. I agreed to make monthly payments for 24 months, interest free provided the promotional balance was paid prior to the expiration date. The promotional amount I borrowed was {$6300.00} and was paid in full prior to the expiration date, XXXX or XX/XX/XXXX. However, a balance of {$730.00} remained that I did not recognize. The discrepancy is a Card Security fee that Synchrony has charged me, and that Synchrony claims I purchased by clicking on an on online offer. Until XXXX of XXXX I was unaware of a Card Security '' fee associated with my Synchrony account. I do not recall Card Security being properly disclosed, nor do I remember purchasing Card Security. I have been told a welcome package was emailed at the time of purchase with the full terms and conditions of the Card Security Program. I can find no such email. I have not paid these Card Security fees Synchrony has charged me while trying to resolve this and Synchrony continues to add interest. Currently my balance is about {$6000.00} all of which is interest levied on the original unpaid card security fee of {$730.00} of XX/XX/XXXX. 

I have asked Synchrony repeatedly to produce the online form that indicates I purchased Card Security, with no success. Additionally, I question the amount Sychrony claims that I owe, {$6000.00}, and request an explanation of how Synchrony arrived at this number.
Consumer complaint received 2022-09-04
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)

lam a natural person, I am a living human being, I have rights under 15 USC 1681. 
Transunion, XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX nor Transunion written permission to furnish these accounts. 
Removed the accounts or look forward to future litigation.thank you. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is XXXX XXXX submitting this CFPB Complaint requesting to the Credit reporting Agencies to please remove the disputed accounts from my Credit File. I am submitting this CFPB complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to fix. Here is the list of accounts and information that should be removed from my Credit File : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-11-24
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)

After providing Experian with information showing three accounts didn't belong to me they still refuse to remove them. This is getting very frustrating because i have provided documentation and they are still failing to remove these items. I have provided a police report stating XXXX and XXXX XXXX accounts were both opened by someone else and are results of identity theft. I have also provided information that XXXX XXXX XXXX have an address reporting on the account that i have never lived at. At this point if Experian continue to report these unverified accounts, I will have no choice but to take legal action. I will be using the complaints I have filed, along with all the documentation that I have already sent to the company.
Consumer complaint received 2020-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (WA)

Do to multiple situational challenges it was requested to consolidate certain loans to move out of the situation. US Bank XXXX XXXX XXXX XXXX XXXX WA described the denial due to underwriting choosing one of their contracted credit reporting agencies which had the lowest score. In other words discrimination specifically by choices they choose for who reports your credit. Not all three only one of the three. The bank Manager XXXX confirmed this as well as the loan intake individual XXXX XXXX. Dates initial intake of which I have no idea what was put into the application as I was not given a copy of the application even though I was in person XX/XX/2019. Denial XX/XX/XXXX, but informed am of XX/XX/2019. First conversation was with XXXX on XX/XX/2019 and second conversation was with XXXX on XX/XX/2019.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I first opened the credit card I had a higher limit. They dropped my limit which caused my credit to drop as my account appears now maxed out. They said I have to do another credit check in order to increase it again. Now I had a fraud on my account and card. I called to change the bank account. My account was passed due and they never told me on the phone. I have a bank account set up to take it out every month its NEVER LATE!! My auto pay was not set up. Im not working I pay only {$30.00} min payment. The account is over the limit. $ XXXXThey expect me to pay double the min payment plus another {$85.00} to make the account not over the limit. When they dropped my credit limit to begin with. They are not going to correct their incorrect credit reporting unless I do this. I spoke to supervisor on the phone. They have no courtesy to fix for a customer who has never been late. The calls are recorded. I called to make sure my new account has auto pay set up. They didnt do it over the phone. Now my credit shows 60 days past due. Plus late fees!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My score has been going up dramatically because of my hard work, it seems everytime it goes up XXXX add false info that affects my score. I have 1 of 2 student loans due for cancelation under corinthian college lawsuit still on my credit and XXXX is treating it like it is a credit card and credit usage. My loan is current. But the bureau states that I am using credit and saying the limit is decreasing!!
Consumer complaint received 2023-06-27
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. (FL)

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : Unauthorized Accounts XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiries XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

When I made payments regarding my account, the money was never taken out in time which caused me to have a overdraft, and then I had to pay an overdraft fee in hundreds of dollars. I would call the bank an complaint they would credit some but not all. I eventually open another account somewhere where elses. I keep this account open but not as my main account
Consumer complaint received 2022-04-18
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. (SC)

in accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX XXXX XXXX- {$560.00} XXXX XXXX XXXX- {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 XX/XX/XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On Monday the XXXX of XXXX My roommate and I found a beautiful home so she messaged the guy ( XXXX ) to tour the home. We get to the home and call the number that was provided. He ( XXXX XXXX answered and walked us through the lockbox to be able to get into the home and see it. We love the place and wanted to put a down payment so it could be ours and we could start moving in. We paid the man ( XXXX ) {$800.00} for the deposit, through Wells Fargo XXXX, on the XXXX of XXXX, because we fell in love with the home. The very next day we received a call from the REAL renters of the home stating we should be wary of scams. That's when we knew this guy ( XXXX XXXX had just scammed us out of {$800.00} dollars. We now need that {$800.00} dollars to put towards a real place to live. We called Wells Fargo to submit a claim, but was then told that the bank made " no errors ''. Like yeah, duh. We got scammed we voluntarily gave someone money to be able to live at a place we thought would be our next home. We asked the guy ( XXXX ) to give us our money back but he now wont respond to our messages ( GO figure ). Our lease is up soon and we now have no money to put towards a down payment for a place to live.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX 15. USC 1681 section 602A states I have the right to privacy.

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

15. USC 1681c ( a ) ( 5 ) -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 information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (GA)

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. 

US DEPT OF EDXXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-09-04
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: CarMax, Inc. (NC)

Per CarMax, On XX/XX/2020, CarMax and I opted for a financial contract ; per this contract, CarMax took my information and reported to third-party companies, i.e., XXXX, XXXX, and XXXX, without my permission. In this process, I was unaware I could have the option to opt out of having my information report to these third-party agencies, XXXX, XXXX, and XXXX. It has been brought to my attention that I can opt and not have my information reported to the third-party agencies per 15 USC 6802 : Obligations with respect to disclosures of personal information. 



( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

I was notified by Collection Bureau Hudson Valley , Inc. of a debt allegedly owed. I mailed out a debt validation letter seeking such debt owed to this collection agency. Collection Bureau Hudson Valley XXXX Inc. responded with an account summary/details. I also sent dispute notice to all three credit bureaus. This is not sufficient enough to validate debt.
Consumer complaint received 2022-04-18
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. (AL)

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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

Attention : Wakefield & Associates reported me to the credit bureaus and the medical had been paid 6 months ago. 

This medical bill was paid to XXXX XXXX, after XXXX paid their share leaving a balance of XXXX. The bill was paid entirely XX/XX/XXXX. I was instructed by XXXX to pay my share of the bill, only after they paid theirs. 

I received my portion of the bill and paid it within 30 days, after I received my portion of the bill. XX/XX/XXXX. 

XXXX  emailed Wakefield & Associates, that the bill had been paid in XX/XX/XXXX. This could have been devastating if I were refinancing my home. 

When I contacted Wakefield and Associates, I was treated like a criminal and harassed because they made a mistake. They lowered my credit rating by 40 points causing a very high interest rates. 

All of the staff at Wakefield and Assc, should take courses on communication. I would highly recommend XXXX XXXX XXXX course in XX/XX/XXXX, in XXXX XXXX or a XXXX XXXX course. 

As always, the Golden Rule applies : Luke 10:27 - " ... Love your neighbor as yourself ... '' Sincerely, Reverend XXXX XXXX