davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

according to this account XXXX  account # XXXX. There seems to be serval inaccuracies on this account between the three credit bureaus reporting. The credit bureaus stated my account was accurate but how could that be possible if the data last active is inaccurate, date last reported ins not accurate, and the length of the alleged delinquency is in accurate. This is grounds for removal. According to 15U.S.code 1681i- procedure in case of dispute accuracy. Also The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to highlight that a consumer reporting agency that does not implement reasonable internal controls to prevent the inclusion of facially false data, including logically inconsistent information, in consumer reports it prepares is not using reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-02-12
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. (ME)

Transunion is illegally reporting XXXX  months of late payment history on my credit report for a XXXX  XXXX account. Late payments are illegal to report on my credit report according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions as transactions or experiences between myself and the person or credit reporting agency making the report should be excluded from my credit report. I filed a dispute online on XX/XX/XXXX requesting them to remove the illegal late payment history information or the account altogether in my dispute and in less than 5 days they stated they completed my dispute investigation, however, the late payment history and the account still remain on my Transunion credit report.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (NE)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nebraska XXXX XXXX XXXX Date : XX/XX/23 Dear First Progress, I am writing to file a complaint regarding my secured card account with First Progress. I recently reviewed my credit report and was disturbed to find several inaccuracies and violations related to my account that are having a negative impact on my credit standing and financial well-being. 

I have enclosed a copy of my credit report for your review, and I have highlighted the inaccuracies and violations in question. Specifically, I have found the following issues : Multiple charge-offs for my secured card account in the same year, despite the fact that the account was closed over two years ago. 

A fee for opening the secured card account that I was not informed of beforehand. 

Violations of my rights as a consumer, as protected under the FDCPA. 

I request that you conduct a thorough investigation into these inaccuracies and violations and take appropriate action to rectify them as soon as possible. I believe that these issues are a result of errors on First Progress 's part, and I have not authorized the reporting of this information.

I would also appreciate a written explanation of how these inaccuracies and violations occurred, and what measures First Progress has taken to ensure that these errors do not occur in the future. I am providing this information in accordance with my rights as a consumer, as protected under [ insert relevant consumer protection laws ]. 

I look forward to hearing from you soon about the resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (TX)

XXXX XXXX  has violated a few consumers laws in regards to my credit report. I have asked XXXX XXXX  to vary my address because I have not received any information on my account and they are reporting late. My address is also incorrect in their systemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I want to move into an apartment I can not get approved bc of the inaccuracies on my consumer report. They have violated 15 USC 1681s-7 ( A ) ( i ), 15 USC 1681a , and 15 USC 1666B . The accounts are also closed accounts.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/23 prior to sending my request for credit with XXXX XXXX XXXXXXXX XXXX I placed a call to inquire whether the the credit request would be a soft or hard inquiry and received confirmation that it would be a soft inquiry with whom ever I was speaking with., now the very next day XX/XX/23 at about XXXX XXXX XXXX while checking on my credit profile I see a hard quiry from XXXX XXXX XXXX on my credit file, I'm very upset of the misleading effet they generate with me and consumers as a whole, I then placed another call to them to now been told that it was to be a hard inquiry and I then request that it be immediately removed for the misleading information generated and harm it caused to my credit file ... ..they proceeded in giving me the run around by transferring me from one person to another without resolving my issue thus my complaint.
Consumer complaint received 2023-02-12
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. (GA)

XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2019-04-19
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hi, I got a check for XXXX  $ and deposited from ATM.Amount got posted to my account next day.I have sold my items to party by seeing the amout in my account. Later bank debited XXXX  saying funds are not available on other bank. 
They shouldnt make funds available if they havent checked with Bank. atleast they should say check is processing. 
I am victim of this scam and bank is bank of america.
Consumer complaint received 2020-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

The credit card issuer, Elan Financial Services, uses an arbitrary cutoff time of XXXX XXXX  central time to determine whether a payment is considered on time or late. This information is buried in the fine print of their member agreement yet their payment system, when submitting a payment, indicates that the payment will be processed on time when submitted on the due date but after the arbitrary cutoff. 

The use of an arbitrary cutoff rather than a transparent cutoff like 'midnight ' on the day payment is due is clearly an attempt to confuse consumers with a 'gotcha ' policy that results in more revenue from late fees and preys on consumers who think they are being responsible by making payments on the due date only to find out the arbitrary cutoff was missed by a matter of minutes. The use of an obscure and arbitrary payment cutoff deadline is predatory behavior and should not be allowed.
Consumer complaint received 2023-02-12
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. (FL)

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 : XXXXXX/XX/XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX# XXXX, XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX# XXXX, Account name : XX/XX/XXXX# XXXX, Account name : XX/XX/XXXX # XXXX, Account name : XXXXXX/XX/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 then 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 2020-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MD)

I was notified by my credit monitoring that I had an account that was open by Midland Credit Management. I never heard of this company. Never opened anything with them. I found out they purchased a debt from a creditor XXXX XXXX XXXX  XXXX that had already charge off my account with them. Midland have been reporting on my credit report that I have not paid them every month or even twice a month. They never reached out to me by mail or phone. Now they are trying to sue me for something I never opened with them. They never tried to contact me. I found out about them through my credit monitor report.
Consumer complaint received 2020-03-08
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-06-29
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. (MI)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-03-08
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Bridgecrest Acceptance Corporation (NV)

Tried to get information on my loan a account ledger from Brigecrest financial in which I was told the sold my loan to a 3 party company and have no information of my account when I asked how did you even pull my account up or is you sold my account why dont you have a day of sale to the 3 party and dont you have to have a receipt for your im companies auditing they were rude and was hung up on many of times
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: WELLS FARGO & COMPANY (FL)

Wells Fargo will not remove late payments reporting incorrectly by Wells Fargo 's fault. The tradeline for furniture was not late and paid in full. The account closed in XX/XX/XXXX. The Credit Report that was pulled for my mortgage states that I was late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can you be late on a paid in full, closed account? I have submitted disputes and called numerous times to get Wells Fargo to fix this error. No action has been taken by Wells Fargo to fix their mistake while my credit score is being punished and penalized. This is unfair to the public consumers and limits borrowing/buying power. Also, this disaster of a service from Wells Fargo negatively affected the interest rate I was able to obtain for my mortgage. Wells Fargo should be punished and fix the errors immediately.
Consumer complaint received 2020-03-08
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. (FL)

I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA ; s. On XX/XX/2019, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 
there were fraudulent accounts open in my name I did not give them permission to use my info I am victim of identity theft
Consumer complaint received 2024-03-15
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. (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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-01-18
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)

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 2023-01-18
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-02-22
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-18
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. XXXXXXXX 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 XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. Please update these immediately : 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
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

This loan is regarding the class action law suit against XXXX XXXX I bought a used vehicle from XXXX and they used credit acceptance as there finance company and I believe that they knowingly used this financial company without regards to the comsumers and credit acceptance unethical dealings.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I did not file bankruptcy in Texas because I live in Virginia, I disputed TransUnion, XXXX, and XXXX  by submitting my husband 's military PCS orders, proof of residency since 2010, driver 's license, a letter from Texas court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with Texas court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.
Consumer complaint received 2022-08-20
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: S&S Physician Services, Inc. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Harley Davidson Financial Services Inc (CA)

My daughter and I both purchased Harley Davidson gift cards as XXXX gifts for my son. When my son went to the Harley store to use his gift cards, 2 of the 6 cards would not work. We have called XXXX  and Harley and have been told that XXXX ( a third party company ) is responsible for making it right. We have called and emailed XXXX, sent them copies of the 2 cards and the receipts for the cards and XXXX responded by telling my son that they were aware of an issue but " would not refund the money ''. We paid {$25.00} per gift card and still have all of the proof of purchase. We either want WORKING cards or a full refund! This is fraud and is unacceptable!! XXXX is located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO XXXX. Phone : XXXX. Email : XXXX.