davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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. (GA)

I have been contacting XXXX, TransUnion, and XXXX since XXXX XXXX about the incorrect items on my credit report. I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX, XXXX, pertaining to my credit report. I have recently discovered several discrepancies that I believe to be in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX, XXXX Account Open Date : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Last Verified Date Discrepancy : The last verified date on my credit report is stated as XX/XX/XXXX for TransUnion, whereas XXXX shows a last verified date of XX/XX/XXXX. This disparity raises concerns about the accuracy and consistency of the information reported by XXXX XXXX, as it suggests that the information has not been consistently and uniformly updated across all credit bureaus, as it should be. This may violate the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy, fairness, and consistency of consumer credit reports. 

Date of Last Activity Discrepancy : The date of last activity is significantly different between TransUnion and XXXX. This inconsistency is also a red flag, as it implies that the account may not have been properly managed and reported. Such discrepancies may potentially infringe upon the FCRA, which requires creditors to report the most accurate and up-to-date information on consumer credit reports. 

Date Open Discrepancy : The account open date discrepancy between TransUnion and XXXX further suggests inaccuracies and inconsistencies in XXXX XXXX 's reporting. This misalignment may hinder a complete and accurate understanding of the account 's history, which is contrary to the FCRA 's stipulations for the fair and accurate reporting of consumer credit information. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX, XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from both TransUnion and XXXX, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

On XX/XX/23 I received a text from Bethpage Federal Credit Union that someone was trying to charge {$99.00} to my card from an XXXX XXXX. I said NO I did not authorize and they said card was blocked. I called bank next day and disputed other charges made at XXXX in XXXX - one for {$77.00} another for {$30.00} and another for {$150.00}. I also went to the branch in XXXX in person. 
They refunded my money pending an investigation. Last week the bank denied the claim for {$77.00} and for {$30.00} and sent a letter with a phone number and email to ask why. I have called and called and have not received a response. 
XXXX  XXXX they said they are denying my claim for {$150.00} because I didnt file the dispute within 60 days of finding out. But it is not even 30 days! I have all the documentation. Noone calls me back and noone answers the email. My mom went to the branch and spoke to the manager and no help there.
Consumer complaint received 2023-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NJ)

i want to dispute all of this debt. I canceled my gym membership a while back and now im getting a letter that a owe them money when i was never noticed of this. The letter claims XXXX fitness retained a law firm called Aldous & Associates to collect the total amount as a result of my defaulted contract with the company. which makes no sense to me because you cancel my membership months ago and now im receiving this letter.
Consumer complaint received 2017-12-26
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)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2017-12-26
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. (CA)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2018-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : US DEPT ED Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2023-10-20
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. (MN)

The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXXXXXX XXXX, Account number XXXX, Date opened XX/XX/2021. This account does not belong to me.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

CRA placed a fraud alert on my credit report without asking me or obtain8ng my approval. Likewuse, the alert tells creditirs to call me but provides no phone number to contact me. As such, i have been denied credit, specifucally from XXXX XXXX XXXX  for this issue alone. They aporoved and were going to open my account but declined. Ecause if this alert and no way to contact me. I have tried numerous times to have it removed to no avail. This includes emails, faxes and letters vial mail with the proper request and required identification difyments. I again tried last week by facing, mailing, and trying to upload online as directed. Their online submission keeps gaving internal errors ampnd will not finess processing and submitting. I have also been hung up when trying to reach someone by phone and now can not access my online account.
Consumer complaint received 2018-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Qualey Law Group, Inc. (PA)

XXXX XXXX XXXX XXXX has yet to refund me for the debt that I have paid me. XXXX XXXX from XXXX XXXX talks crazy and does not return any answers to the debt. I had an attorney by XXXX XXXX XXXX in which could not get documents for months and had the run around game by XXXX XXXX. I have text messages from my attorney stating the issues with XXXX XXXX XXXX XXXX. 
Now XXXX XXXX XXXX XXXX has hired or By XXXX XXXX XXXX to Qualey Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX In which nothing has been done and 2 US Registered Letters have gone out to XXXX XXXX XXXX in regards to the court documents XXXX copy that the money is paid. As to that XXXX XXXX did not give the correct credit as stated by XXXX XXXX XXXX XXXX shows as a credit. 
There has been since XX/XX/XXXX this bill has been paid it is now XX/XX/XXXX and I still show active on this Garnsihment and money is owed to me.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Total Card, Inc. (NE)

I do owe a past balance on my account but it is only 1 month late. I don't mind the phone calls to my cell phone, but on XX/XX/2019, Total Card Visa called my employer and harassed them about where I was and when I was going to be paid. That, in my opinion, is unethical. Never have I gave Total Card permission to contact my employer, let alone harass them.
Consumer complaint received 2019-11-13
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. (AL)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.
Consumer complaint received 2019-11-13
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. (GA)

Please assist me in getting the following items corrected on my credit report : XXXX  and Equifax is reporting my birth year incorrectly as XXXX. My correct birth year is XXXX. My birth date is XX/XX/XXXX. 


Incorrect Address : XXXX XXXX XXXX, Incorrect Address : XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Employment : XXXX  XXXX  XXXX Correct Employment Name : XXXX XXXX  XXXX The following Accounts does not belong to me. Please remove from my credit file : XXXX  - XXXX that was opened XX/XX/XXXX XXXX  XXXX  - XXXX with a balance of {$33000.00} ; Incorrect Balance : {$33000.00} Incorrect State : XXXX  XXXX XXXX  Incorrect Monthly Payment : {$11.00} Incorrect Status : Late 120 days XX/XX/XXXX - XX/XX/XXXX ( Please tell me how this is possible..120 days every month..would the days late increase? ). This is not my account. All of a sudden since I have been disputing that this account does not belong to me and all of the information is incorrect, now it is showing I am up to date. 

Correct Balance : {$11000.00} Correct State : North  Carolina  Correct Monthly Payment : {$120.00} Correct Status : I was never late between XX/XX/XXXX - XX/XX/XXXX Unauthorized Inquiries reporting on my credit file : - XXXX  - XXXX XXXX XXXX  - XXXX - XXXX-XXXX  - XXXX - XXXX 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 - XXXX  XXXX XXXX  - XXXX  XXXX - XXXX  - XXXX - XXXX  XXXX  - XXXX/XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA is re-aging and fraudulently reporting incorrect information on all three of my XXXX 's and directly impacting my ability to obtain a mortgage. USAA is reporting the date first major delinquency reported as XX/XX/XXXX. USAA is also reporting major delinquency XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. None reported as XX/XX/XXXX. Second, the account is not late 189 days. The account is not in collections. USAA charged the debt off after they were advised the charges were based upon fraud and forgave the debt. This conduct is retaliation on the part of USAA.
Consumer complaint received 2019-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (IN)

I have mailed dispute letters to credit bureaus and directly to GLA, which GLA never answered? According to the AG 2015 settlement agreement, all medical collections not updated within 6 months must be deleted. Since this collection has never been updated, this means a real investigation has never happened, so according to FCRA laws, this must be deleted now.
Consumer complaint received 2018-04-08
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: Early Warning Services, LLC (FL)

early warning credit systems or ealry warning is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its XXXX they must purge my account or legal action may take place
Consumer complaint received 2019-11-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

On XX/XX/2019 I submitted an application on XXXX website to open a Citi Accelerate Savings Account. The application included an authorization for a {$1000.00} ACH debit to my checking account at another bank to open the Citibank savings account. After I submitted the application, I had some questions about the account, so I tried to call Citibank to ask those questions. After going through many automated phone options, I couldnt reach a human. I became quite concerned about putting my money in a bank where I couldn't readily reach a human and wanted to cancel the application ( most of our savings is currently at XXXX XXXX, paying a lower interest rate than Citibank, but at XXXX  a human answers right away ). After finally reaching someone, I was referred to a couple other 800-numbers. I finally reached XXXX at XXXX. I told him to cancel the application. He assured me the application would be cancelled and my checking account would NOT be drafted for the {$1000.00} opening deposit. 
My checking account was drafted for {$1000.00} on XX/XX/2019. 
On XX/XX/2019 after being transferred many times at Citibank, supervisor XXXX told me the account was indeed opened. She assured me she was closing the account and a check for {$1000.00} would be mailed to me within 5 7 business days. She did give me the option of using yet-to-be-sent debit cards to empty the account. I told her I did not want to do that because of ATM fees, etc., and that Citibank would probably come after me and damage my credit rating over unpaid account fees, etc. I told her to close the account and send the {$1000.00} check. 
Today is XX/XX/2019, 10 business days after XX/XX/2019. I have not received the {$1000.00} check promised by supervisor XXXX. 
I called Citibank this morning, XX/XX/2019. After being transferred a couple times and being on-hold for 12 minutes, supervisor XXXX, Team # XXXX, told me the account had NOT been closed. He transferred me to New Account Servicing Group representative Semper, Team # XXXX. Semper put me on hold for 3 minutes and said she put in another request to close the account, and that a check should be mailed in 7 10 business days. I told her I had waited long enough to get my {$1000.00} back and that I wanted it ACHd back to my checking account at the other bank. She refused.

Its now been over 3 weeks and Citibank still has my {$1000.00}. Im retired. That {$1000.00} is a lot of money for me. I was originally told it would not be drafted from my account in the first place. I need that money back sooner than 7 10 business days ( two weeks in real days ). Citibank has lied to me at least two times over my {$1000.00} and I have very little confidence that theyre currently telling the truth about closing my account and sending my {$1000.00} back. Can CFPB help me get M
Y money?
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NV)

After an eventful year, filled with moving to a new state after having our XXXX  child, buying a new home, having my identity stolen and going through an unexpected family loss. My husband and I had been working hard to bring our credit utilization down so that we could improve our overall credit score and refinance our home/other debts to take advantage of the lower interest rates. Our plans were completely halted, when less than 2 weeks after completely paying down the balance of two of my Chase Credit cards ( I paid {$4500.00} on the Chase XXXX card on XX/XX/19 and {$3500.00} on my Southwest Rewards Chase card XX/XX/19 ) my limit was decreased to {$500.00} on both cards ( that is a difference of nearly {$7500.00} dollars ). When I called Chase to ask why my credit limit had been decreased so drastically, I was told it was due to a couple of late payments and credit utilization being high. I explained the situation of the crazy year we've had and asked that since we clearly were making strides in paying down our debts, if they d consider re-evaluating my limit to take into account my overall credit history, as appose to the this one transitional point in our lives. Their reply was that although the " periodic '' credit check was clearly at a bad time, given the significant payments made, they couldn't reverse the decrease without re-running my credit, which come to think of it now, wouldn't do much good given the damage they've already caused by lowering my limit so drastically. Also I explained that due to my identity being stolen, Id frozen all of my accounts w/all the credit reporting agencies. So in order for them to re-run my credit history, I'd need to unfreeze all of my accounts and pray that the person who stole my identity doesn't try opening a new account, as they review the same credit history they saw a month ago. Not to mention that my credit score takes another hit. Overall this was an incredibly punitive process for what I think they ( ironically ) called a " valued long standing Chase card holder.