davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/20 I paid total amount due on my credit card {$2200.00} in cash. The next month I was charged an additional {$20.00} for interest. I called Bank of America and was told that Total amount due was not Total amount due because it didn't include interest posted on the XXXX of each month? I am also concerned about the new Total amount due for my next billing. Is there interest on the interest? Is this a black hole that can never be satisfied? TOTAL AMOUNT DUE should be just that - unless there is some tricky financial advantage in hiding actual amounts.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

All of my positive credit history was completely deleted from my credit report. 
Sunday, XX/XX/XXXX, I got a notification from several platforms notifying me that my credit score has dropped drastically, from XXXX to XXXX. I called Equifax, ( on XXXX XX/XX/XXXX ), around XXXX and spoke with a young lady who stated she was unable to help me with any information. I called back around XXXX and spoke with XXXX. I provided all of the security answers for him and advised him of the change on my report. He was very kind and helpful. He told me that on his side, he was able to see all of my positive accounts such as credit cards and car loans paid on time. He told me there was nothing to worry about and mailed out a copy of my credit report, confirmation XXXX. 
Monday morning, XX/XX/XXXX, I check the Equifax website myself. My score is now showing at XXXX with NO POSITIVE INFORMATION. I called Equifax again at XXXX and spoke with XXXX XXXX He was kind at first, but was not understanding what i meant. He kept telling me that Equifax and MyEquifax are two different sites and that Equifax can be incorrect. I advised him that i am a paying consumer who demands my accurate information be updated as i have been denied credit due to their lack of consistency. I asked to speak with a manager, XXXX hung up on me. 
I called back at XXXX and was transferred to a manager, XXXX XXXX Employee ID XXXX. He proceeded to ask me security questions. I reported to him everything that was possible to be on my report, but he refused to give me access to my information. I have gone through this security test EACH time I've called. The one time I get through to a person that should be able to provide me with the assistance I am requesting, then all of a sudden, my answers are incorrect. This is a poor excuse of management. I find it funny how all of my positive accounts have been removed, yet, there are remaining negative accounts. How is this possible? They refuse to correct my credit report even though it is clearly their negligence. The irresponsible, inaccurate, and defamatory reporting of PAYING consumers ' personal credit information is illegal and i will seek public justice and compensation if this is not corrected immediately. 
I previously had a XXXX  complaint filed on this company in XXXX of XXXX. This seems like retaliation and my lawyers will be notified immediately. 
This is absolutely unacceptable. I demand all of my positive credit history/current accounts be placed back on my credit report immediately. 

I am requesting all of my positive information be placed back on my credit file immediately. Also due to your negligence, I was denied approval for a new line of credit. Therefore, I am requesting you have the XXXX XXXX inquiry of XX/XX/XXXX removed from my credit report.
Consumer complaint received 2021-01-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCA Financial Services, Inc. (GA)

BCA Financial Services Inc. took it upon oneself to post reputation destroying information to all three of my consumer credit reports concerning an alleged debt without contacting me prior to this attempt of XXXX of my character and well being. Upon calling this debt collector in attempts to correct the inaccurate location information the debt collector proceeded in attempts to coerce me into paying on an alleged debt along with giving incentives like offering a settlement for less than the alleged debt. This account was posted to my XXXX, XXXX  and XXXX Credit Reports XX/XX/XXXX for the alleged balance of {$400.00}. I, the consumer, sent a letter to BCA Financial Services in XX/XX/XXXX and received a response on XX/XX/XXXX. I responded with a cease and desist, affidavit of truth, invoice of violations, exhibits of those violations in a certified mail return receipt on XX/XX/XXXX.
Consumer complaint received 2024-09-07
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. (PR)

Remove the following accounts from my Credit report because the payment history in the se accounts are continuos reporting a charge-off after these account was closed.Also these accounts are not showing the date of last activity and the date closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-07-22
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$95.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$680.00}.
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (NJ)

On XXXX XXXX XXXX XXXX XXXX XXXX  Ive reach out to both equifax and XXXX in regards to inquiries that I did not authorize in my credit report. Both via phone and Us Mail
Consumer complaint received 2022-09-21
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)

I reached out to all 3 credit bureaus ( XXXX, Equifax, and XXXX ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), 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 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX FRAUDULENT ACCOUNTS : XXXX XXXX Opened XXXX. XXXX, XXXX {$12000.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX {$5500.00} XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX {$2900.00} XXXX Opened XX/XX/XXXX. {$2400.00} XXXX XXXX  XXXX. OPENED XXXX XXXX, XXXX {$640.00} XXXX OPENED XXXX XXXX, XXXX {$1000.00} XXXX XXXX XXXX OPENED Sep. XXXX, XXXX {$1000.00} XXXXXXXX XXXX XXXX OPENED XXXX XXXX, XXXX {$2800.00} XXXXXXXX XXXX OPENED. XXXX XXXX, XXXX. {$2900.00} XXXX XXXX XXXX XXXX OPENED XXXX. XXXX, XXXX {$390.00} XXXX XXXX XXXX OPENED XXXX. XXXX, XXXX {$1400.00} XXXX. OPENED XXXX. XXXX, XXXX {$13000.00} XXXX XXXX XXXX. OPENED. XXXX XXXX, XXXX {$1900.00} XXXXXXXX XXXX  OPENED XXXX. XXXX, XXXX {$2300.00} These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Consumer complaint received 2021-12-09
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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  charged me for some device ( a XXXX I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, XXXX  continues rating my credit at XXXX, XXXX  XXXX and Experian XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

Hi and how are you doing? How's COvid-19 treating you - safe? I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (MA)

Hi & how are you doing? I'm reaching out and letting you know that this account is still reporting on my credit with incomplete, and unverifiable information. I paid this account already and i was told that it will be removed. Please see the attachments for detail. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. I am writing to request that you please DELETE this account from my credit and provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3.  What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (MD)

On XX/XX/XXXX, this company contacted me via phone for the 1st time. I asked for written notifications of said debt, as the amount started was wrong and I wanted to dispute said debt. The rep state that a email was sent to me, I asked the rep to hold while I reviewed email which I was unable to locate at this information was never sent to me. The rep hang up the phone and when I returned to inform then of this information. The next day XX/XX/XXXX, this items was added to my credit report without me having the opportunity to dispute said charge. Which is not an accurate amount. Charges include items that were returned to direct tv. I would like to have my 30 days to dispute this charge. While I dispute this charge it should be removed from my credit report.
Consumer complaint received 2024-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am filing this complaint against USAA regarding my inability to access my account due to their flawed identity verification process and poor customer service response.

1. Account Locked : My account was locked, and I was instructed by USAA to visit usaa.com/XXXX  ( https : //www.usaa.com/XXXX  ) and usaa.com/XXXX ( https : //www.usaa.com/XXXX  ) to upload my identity documents for verification.

2. Submission of Valid Documents : Following their instructions, I uploaded both my passport booklet and passport card multiple times, ensuring the images were clear and complete. However, their portal repeatedly states, Unable to validate ID or Were having trouble validating your ID photos. Please upload and submit new photos. Despite trying multiple devices, including phones and a computer, the issue persists, making it clear this is a fault on USAAs end.

3. Failure to Verify Using Codes : I also provided the only codes associated with my account : PIN : XXXX Alternate code : XXXX Phone number password : XXXX Despite providing these details, USAA stated they could not verify my account. These are the only codes I have associated with my account.

4. Failure to Resolve the Issue : When I reached out to USAA, they redirected me back to their identity verification portal. However, the portal is clearly faulty and can not validate my identity, even though my documents are valid. This has left me unable to access my account entirely.

Resolution : I need immediate assistance to unlock my account and access my funds. USAA must address and resolve the issues with their identity verification portal, as it is unfair and unacceptable for customers to be locked out due to technical faults on their side.

Please help me ensure that USAA takes prompt action to resolve this issue and provide me access to my account without further unnecessary delays.
Consumer complaint received 2022-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC (TX)

I am a victim of a Predatory Lender using the guise of a XXXX arrangement. I am XXXX XXXX XXXX and a Veteran. The tribe  utilized here is called the XXXX XXXX XXXX. The name they used here for my loan is Uprova, but there are 4 other company names they use with this same address and same tribal  loan format. My {$1000.00} loan had an APR of 684.83 % and a total payment of {$4300.00}. This was based on their taking {$290.00} twice a month in payments. They violate Truth in Lending by claiming to be an Alternative to PayDay Lians, yet far exceeding even those in the Interest Rate the charge, hiding beyond this Tribal  immunity claim. The cases against the Predatory Lenders also cite possible RICO violations for the actual Predator behind these loans.
Consumer complaint received 2020-07-05
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.