davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc. (GA)

I am writing to formally dispute a negative account that is currently appearing on my credit report. The account in question is attributed to Mid-Atlantic. I believe that this account is inaccurately reflected, and I kindly request its immediate removal from my credit report. In support of my request, I would like to reference specific provisions within the United States Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

FCRA - Fair Credit Reporting Act : Under the FCRA, it is stipulated that consumers have the right to accurate and fair credit reporting. Specifically, section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of information contained in consumers ' credit reports. Any information that is unverifiable, incomplete, or outdated should not be reported. 
Furthermore, section 609 ( a ) ( 1 ) of the FCRA grants consumers the right to request and obtain a free copy of their credit report once every twelve months. In accordance with this provision, I have obtained my credit report and have identified the inaccurate information attributed to the Mid-Atlantic account. 

FDCPA - Fair Debt Collection Practices Act : Although the FDCPA primarily regulates the practices of debt collectors, it can still be pertinent in this context. Section 808 ( 2 ) of the FDCPA states that debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. If the information reported by Mid-Atlantic is indeed inaccurate or misleading, it may be in violation of this provision. 
In light of the aforementioned statutes, I respectfully request the following actions : Thorough Investigation : I urge you to conduct a comprehensive investigation into the accuracy and validity of the Mid-Atlantic account currently appearing on my credit report. This investigation should include verification of the account 's details, including its validity, amount, and timeliness. 

Prompt Removal : If it is determined that the account is inaccurate, unverifiable, or misleading, I request that you immediately remove the Mid-Atlantic account from my credit report, as per my rights under the FCRA. 

Written Confirmation : Once the investigation is complete and any necessary corrections have been made, I kindly request that you provide me with written confirmation of the actions taken, including the removal of the Mid-Atlantic account from my credit report. 

I appreciate your prompt attention to this matter and your adherence to the provisions set forth in the FCRA and FDCPA. I understand that accurate credit reporting is essential for financial well-being, and I am committed to resolving any discrepancies to ensure the integrity of my credit history. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Tried to unlock my credit report using the XXXX XXXX XXXX application on my smart phone but the application threw an error stating " Please give us a call! '' ( Attached Error ). I then called the number listed and was on the phone a total of 2 hours and 31 minutes. I was transferred 15 times. Each time, the rep would ask have to verify my identity by asking a series of questions about my credit file to proceed. 10 minutes or so later, they would inform me that even though they validated me, they were not the right person to resolve my issue. I was told by some that the application isn't working for anyone and they would transfer me to a person who could help. Only to have to go through my problem over and over and no one able to help. Transferred offshore/onshore/offshore/onshore so many times. Finally I got a female who stated she was in the USA ( I specifically asked for a USA rep to help me ). She was nice but after asking me the same series of identifying questions I'd answered 14 times earlier, she tells me that my answers didn't match and that I'd need to provide my drivers license / social security card ( or other documents ) in order to have the freeze/lock removed. Again, comical at this point, but she agreed to send me an email and I'd could provide the documents instantly. A matter of minutes later, I got the email and replied with the documents requested. She then inform me that this would all be done electronically and I'll need to give it 15-30 minutes. I asked how could she be sure it will get resolved after all, no one else seemed to have the capacity or skillset to do so and kept telling me it was a system issue preventing them from removing the lock. She stated that's not true and she will take care of shortly. Equifax continues to be a pain in the side of so many consumers. I actually pay for a product to monitor and check my credit report daily. It hasn't worked in 2 weeks and I was told a few days ago it would be escalated and resolved " shortly ''. No such thing. I wish consumers had another option.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/year>, I disputed a 30-day late payment on my Transunion credit file in the month of XXXX reported by XXXX XXXX  XXXX I provided my mortgage and bank statement for XXXX. Transunion did an investigation and determined that the information from XXXX XXXX  was correct. I disputed the information a second time with the same results. When I received the results of my second dispute, I called Transunion, and I spoke with a supervisor who removed the negative Information. The following month it was placed back on my report. I did not receive a notification that the information would be placed back on my report per the FCRA. 

I called Transunion again and the negative item was removed again then the supervisor said that if it was placed back on for the third time Transunion could not do anything and that I need to reach out to XXXX XXXX. I said to the supervisor that the CRBs are supposed to investigate disputes, he told me that Transunion only reports what the furnisher gives to them, and I quote, " Transunion does not do investigations. ''
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2023 I sent two payments, via Bill Pay, from XXXX XXXX XXXX XXXX XXXX XXXX ) to a USAA auto loan. One for {$1800.00} and one for {$420.00}. I can see in my XXXX account summary that both payments left my account. USAA claimed that there were insufficient funds. I can see in my USAA account summary that both payments were received and reversed. Then the money disappeared. I am missing {$2200.00}. I have called both entities seventeen times almost weekly since XXXX and neither of them will claim responsibility or give me the money thats missing. In addition to the numerous phone calls I have uploaded documents and thorough notes proving my case and had a three-way phone call with both entities to no avail. This is causing extreme stress and each time I call I have to start the story over again and end up with the same result. My XXXX checking account # is XXXX My USAA auto loan account # is XXXX. On XX/XX/2023 I submitted a CFPB complaint against XXXX ( Complaint ID XXXX ) to seek resolution and they, again, claimed that it's not their responsibility on XX/XX/2023.
Consumer complaint received 2023-08-07
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. (IA)

When I reviewed my credit report, I discovered that these items were 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 that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I have been in a constant battle with my bank Wells Fargo on a credit for charges I did not do for XXXX. They came with the conclusion that I did the transactions because I had the credit card with me.It is not possible for me to be at home and go swipe my credit card mindlessly at two stores.i wouldnt be pushing the issue I had made those transactions but I did not.I will not be paying for something I did not spend I won't catering to thiefs
Consumer complaint received 2023-10-05
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. (LA)

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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I requested validation from XXXX, XXXX XXXX TransUnion that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NV)

My American Express business card has a {$20000.00} limit and is used to make almost all of my business purchases. My current APR is 13.49 % and I generally carry a balance month to month. On XX/XX/19, my statement had a notice of APR increase an additional 5 % effective XX/XX/2019. This increase would be on all future purchases, and retroactive to my ENTIRE BALANCE at the new rate of 18.49 %. 
I immediately called Amex and told them that I believed this to be in violation of the CARD Act of 2009, since I am not and have never been late in payments, and I know my credit score is well above 800 points. The customer service representative said that it was due to my credit scorXXXX and what other accounts are paying. All he could do was to file an appeal. I did appeal and somehow immediately won the appeal, so this change will not go into effect on my account. The representative assured me that American Express would not act illegally. 
How many accounts are they doing this to? Are less informed people getting duped by American Express?
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (OH)

I have had a credit card with Citi Bank for 3 to 5 years now. About 3 or 4 weeks ago I received a non-discript credit card in the mail from Citi Bank that WAS NOT the current card that I used. I did not submit a request for a card, I did not fill out an application for a card, I did not want another card. My credit score around that time was XXXX. I did not activate the card, there was no explanation as to why I had the card, and I didn't want it if it was a new card. 

On Friday XX/XX/XXXX I received the following : To activate your Citi credit card txt the last 4 digits of your card within XXXX. Txt HELP for info, reply STOP to opt out. Msg & Data Rates May Apply Afraid that my account was going to be closed I texted the number, shredded my current card thinking this was a replacement, and started using the new card. I now have 2! Credit cards through Citi Bank because they created a new account without my consent and tricked me into opening it via text message.

I just called them today and attempted to get clarification. The woman on the phone was very hard to understand, had a very bad connection, and sounded like she was talking to me through a tunnel. When I asked her if my old Double Cash account was being closed she said " it depends on you and how you use the account. '' Not a straight answer but it does tell me that this account is not slated for closure. She also informed me that I had set up a security code which I had not. When I told her that I wanted the new account closed she told me that if I did that my current charges would not process. This was a VERY unhelpful phone conversation that wasted a LOT of my time.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Reviewed my experian credit report saw that XXXX XXXX is showing several late payments in XXXX and XXXX. Reviewed my XXXX credit report XXXX XXXX is showing no late payments 100 % payment history.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (MD)

Dear CFPB, I have Apple Credit Card which is managed by Goldman Sachs. This year, several times I sent payment for my balance due, well before the due date. My Bank confirmed that check was sent several days before due date. For no reason, I was charged almost {$330.00} in fees this year. As an example I have attached payment that was sent and was delivered to Goldman on XX/XX/XXXX. Today is XX/XX/XXXX, they still have not processed my check. AND, they have been charging me unfair fees! Shouldn't they fix their process? This probably true for millions of accounts. All these fees are not fair. If payment was delivered before or on due date, then there should be no charge.
Consumer complaint received 2019-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (MI)

I had a debt with XXXX XXXX The amount owed is indispute based upon XXXX 's rejection of prior returns, without any notification of what the returns concerned. 
I also was charged an amount in excess of the quoted XXXX amount. I would like a current balance so I can timely make payments as I always have and that the 3 Credit Reporting Agencies be advised payment is current or disputed.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (TX)

" Per 15 USC 1681g this letter is my request for a copy of the complete contents of the file you maintain on me as of the date of this request. Enclosed please find a copy of my id... '' I have requested a complete copy of my credit profile and report from EWS yet now action or document has been recieved
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number 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 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 2023-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OH)

Every Day I receive a Letter Stating to pay this Debt That This Debt Collector States that i owe I contacted Resurgent 0n XX/XX/2023 telling them to not contact me still i receive letters 15 USC CODE 1681c My rights as a Consumer has been violated 15 USC CODE 1692 FDCPA I am a Victum of Idenity Theft My SS Number has been used Twice with the IRS and My Consumer Report has been Greatly Affected
Consumer complaint received 2019-05-15
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. (GA)

I went to my bank to see apply for a loan to purchase a home for my family and my mom. My banker told me that I did not qualify because of my credit. She gave me a copy of my report and I also went a pulled it myself and there are items on my credit that are not mine. Please remove from my credit XXXX XXXX. XXXX XXXX XXXX XXXX  system. XXXX. Ere. XXXX. XXXX XXXXt and XXXX XXXX. I have contacted the FTC and my local police. Im doing this on my own behalf.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/XXXX, I wrote the Internal Revenue Service ( IRS ) a check for {$2500.00} to clear up a debt owed. 
I received a notice from the IRS dated XX/XX/XXXX, that I still have an outstanding debt. 

I asked the IRS Representative was the {$2500.00} check received. The Representative gave me a list of checks that had been received by the agency, however check # XXXX for XXXX was never received. 

I went to my bank, ( TD Bank ) on XX/XX/XXXX and filed an affidavit of forgery and received a copy of the alter check and unauthorized withdrawal of {$2500.00}. 

Check # XXXX was altered and made payable to XXXX XXXX. This person made a mobile deposit to her account at XXXX XXXX. 

My bank denied my claim because this transaction was over XXXX old. However, my bank extended my claim to 1 year. 

On XX/XX/XXXX, I filed a police report with XXXX XXXX Police Department with XXXX. XXXX XXXX # XXXX. He assigned me a case # XXXX. For questions please contact XXXX. XXXX XXXX on ( XXXX ) XXXX or on his XXXX I am requesting that TD bank investigate this matter thoroughly, and I would like the end results to be an reimbursement of the funds that was stolen form me.
Consumer complaint received 2023-08-09
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. (SC)

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 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 2023-08-06
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. (MA)

I am writing to formally lodge a complaint against Equifax for inaccurate information present on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain details that I believe to be incorrect. However, I have yet to receive any response or resolution from Equifax. I am providing the following details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} I kindly request Equifax to promptly remove the account with XXXX XXXX from my credit report as it is not associated with me. 

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} I believe that the account XXXX XXXX contains inaccuracies that require examination. The reported balance exceeds my recollection, and the account was labeled as closed, implying that the Past Due amount should not be presented. I intend to resolve this matter directly with the creditor. To facilitate this, I kindly request Equifax to label the account as disputed while I work toward a solution. 

Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} The account with XXXX is inaccurately reported with an inflated balance of {$1100.00}. This amount does not align with my records, and the stated Past Due amount contradicts the account 's closed and charged-off status. I intend to liaise with the creditor to rectify this discrepancy. Until a resolution is achieved, I kindly request Equifax to label this account as disputed. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} The account with XXXX XXXXXXXX was never late, and I urge Equifax to promptly correct/update this erroneous information on my credit report. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} The account with XXXX XXXXXXXX also maintained a record of being never late. I kindly request Equifax to rectify/update this inaccurate information on my credit report.