davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Atlanticus Services Corporation (AZ)

On XX/XX/year> My remaining balance of XXXX for the Fortiva Retail Credit was transferred to a Fortiva Credit Card within the same company. I did not authorize this balance transfer or additional line of credit to be opened. 

My Credit limit for the Fortiva Retail Credit is {$4000.00} dollars and this new line of credit is {$2000.00} - the balance transfer is now making the credit usage on this new line of credit that I did not authorize high and effectively lowering my credit score. 

I called Fortiva to try and reconcile this issue on XX/XX/year> at XXXXXXXX XXXX Arizona Time, as I had not authorized an additional credit card being opened or a balance transfer they stated that this was a " promotion given to their best customers '' and that I would just need to pay off the remaining balance on the new card. 

I asked them why they changed me to this new card as I had not authorized it and they stated " According to the terms and conditions the company can change the terms of the agreement when they like '' They also stated that they were doing this across the board with all their customers. 

There was no resolution they just told me I needed to pay off my balance.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NC)

On XXXX I went to a XXXX XXXX gas station at XXXX XXXX, XXXX, XXXX  XXXX XXXX get diesel gas for my XXXX XXXX truck. I attempted to get gas at the first pump but the pump stopped, wouldn't generate a receipt as well declined the transaction however, there were funds in the account. I attempted to try again but the same thing happened so I moved to another pump and used a different card which allowed the {$72.00} transaction to go through. I checked my account to see why the card didn't work and noticed XXXX pending transactions of {$100.00}. I went inside to tell the cashier about the pending transactions of {$100.00} each and was told that was the amount of the hold however, I explained both transactions were declined so the cashier said I needed to contact the bank. My truck can't hold {$270.00} so I called Navy Federal Credit Union to report the error but was told the transactions were pending and I would have to wait for it to drop off before the funds would be released. I called back XXXX days later when I noticed the charges were posted and was told by the customer service rep that there was nothing they could do so I would need to go back to XXXX XXXX I've got gas from that gas station multiple times and never was the pending hold for {$100.00} but only a pending charge of {$1.00}. The pumps never provided receipts for either transaction. Navy Federal Credit Union will not investigate the transactions. I don't have {$200.00} to give away.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. $ 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. $ 1681c ( a ) ( 4 ) ), Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history that shows monthly and late payment as well. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you kindly.
Consumer complaint received 2023-05-06
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: V and H Portfolio (MO)

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 an 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 any purpose.
Consumer complaint received 2024-09-12
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. (IN)

Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that I have disputed and called each company to resolve this problem.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (GA)

I believe I should be in the lawsuit with Wells Fargo but I never received a letter that I recall of. 
I know there was times I got hit with a overdraft fee when the money was there. Sometimes the monet would come out and then go back in. This st times lead me to believe I had e tra money. In turn this lead to a non payment resulting in a bounce fee.
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Collectors International, Inc. (OH)

I am writing to file a formal complaint against Debt Collectors International , Inc. ( DCI ) regarding their aggressive and threatening collection tactics. Today, I received a phone call at approximately XXXX PM EST from DCI, informing me of a {$340.00} debt allegedly owed to XXXX XXXX, a local photography shop. 

During the call, the representative immediately pressed me to resolve the matter by making a payment over the phone, despite my explanation that I am currently unemployed and unable to make a payment at this time. Despite this, the representative continued to insist on payment and threatened legal action and negative credit reporting if I did not comply. 

I reiterated multiple times that I am not in a position to make a payment today, which was met with further intimidation and pressure to provide my credit card information for future charges. The representative even suggested charging my card without my consent at a later date. 

I want to emphasize that this debt stems from unpaid photography services due to my recent medical leave and subsequent termination of employment. Given my financial circumstances, making a payment today is simply not feasible.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Im really frustrated with how my credit scores are turning out because of mistakes in my credit report. These errors are dragging my scores down and making it super hard for me to get the credit I need. Its been a constant source of stress and is seriously messing with my finances. Ive tried to get this sorted out before, but nothings changed.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Data Mortgage Inc. (MD)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-09-12
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. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (WA)

PayPal Credit Card added me as an authorized user on XX/XX/XXXX on an account when I was a XXXX. The account holder was the father of my former boyfriend. I just found out I was an authorized user when my credit was checked in XX/XX/XXXX. I reached out to PayPal Credit Card and they said they could not remove me as an authorized user only the account holder. I have messaged the account holder on XX/XX/XXXX and he has not replied, I then left a letter on his door on XX/XX/XXXX and he still has not replied or removed me from this account that I never authorized. I am unable to remove myself because the account holder is ignoring my requests and PayPal Credit Card says I have no ability to remove myself.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, I've been attempting to contact the appropriate channels about the errors on my credit report, but I haven't had any success- my requests to remove these inaccuracies are either getting ignored and/or disregarded. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted to login to their website since they submitted their response, and I still can't login. I chatted with an agent ( XXXX XXXX XXXX, and she didn't even bother to ask me for my name. She just said that they were still working on getting it corrected. I advised her that her company provided a response to the CFPB on XX/XX/XXXX and indicated that the issue had been corrected and she asked me if there was anything else that she could assist me with. I advised her that I was going to file another complaint and she didn't respond. She just responded and advised me to send an email to XXXX and include my name, address, last XXXX of XXXX and a brief description of the file you are sending. I called the phone number in their response on XX/XX/XXXX ( XXXX ) and spoke with XXXX. She is asking me to try to reset my password to see if that will resolve the issue. I was able to login, but I received the same error message, and it would not allow me to lift the credit freeze. I received the following error message " Sorry, we're having trouble showing the status of your credit freeze right now ''. I just tried to login again today and I received the same error message. I do not have these issues with the other repositories, and this is extremely frustrating because I can't access my credit freeze.
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (CO)

The original loan is for {$500.00}. They are charging me amn interest rate of 648 % and expect me to pay {$2600.00} if i take it out for THEIR terms required. I have made 2 payments already of XXXX and they are still quoting me XXXX pay off for today. This does not seem legal. Thank you
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CO)

I added money to my mobile Venmo debit card wallet. The funds were entered on XX/XX/XXXX and taken from my bank account on XX/XX/XXXX, the next business day. The funds are still not available even though the company promised access by XX/XX/XXXX, today. This is one example. Every time you send money to the card it debits the next day and holds the funds for days. I understand if this is to protect against fraud or overdrafts but then say that. This appears to me that they're holding the funds and using them for float. I don't want or need a response from this. I'll take my money when its available and never use venmo again but I wanted to warn you about them. Venmo got bought out by Paypal and it has become as difficult to deal with as paypal. Please investigate the reasonableness of their transfers.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2024 I requested that a fraudulent ACH transfer in the amount of XXXX be cancelled and returned to my account. These funds were destined for an XXXX account to pay for my Gestational XXXX for our surrogacy journey. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has been defrauding Intended Parents, Given the XXXX was done less than XXXX weeks ago and Bank of America refused to even reach out to the other bank ( XXXX  XXXX ) that had already flagged the account as fraud until I waited for 4 days for them to check their own processes to ensure that they did nothing wrong. Bank of America should have immediately reached out to XXXX XXXX and they would have found the accounts flagged as fraudulent and the money would be returned. The supervisor confirmed that they would not do this until I signed a form stating it wasn't their fault. When prompted about their refusal to follow XXXX guidelines until I signed that they weren't liable was equivalent to coercion the supervisor confirmed and acknowledged. I just want my money to pay my surrogate back and Bank of America has so far failed to protect me as a client.
Consumer complaint received 2023-04-21
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. (MS)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX approximately XXXX in the afternoon I went to Bank of America drive-thru ATM to deposit {$600.00} in cash. When I inserted the cash the machine turned green and started resetting itself. It did not give me a deposit receipt or anything. 
Bank of America first gave me your credit for {$6.00} XXXX but then after their investigation they said my claim was denied based on that investigation
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

Around XX/XX/XXXX, I moved into a home with my mother to help her out. I moved to XXXX around the beginning of XX/XX/XXXX due to her Irresponsibility and her erratic and dangerous. I couldnt handle the workload myself so I left. I just received a letter in the mail saying that I owe around {$2600.00} to XXXX XXXX. I reached out to the debt collection company and explain the situation and I was told that the account with XXXX was made under my name. This was done without my knowledge, especially since everything was supposed to be under her name. When I called XXXX, They explain to me that the account was made under my name in XX/XX/XXXX. XXXX directed me to start this fraud claim in order to resolve the debt.
Consumer complaint received 2024-09-12
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. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. As the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2.