davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

Payment of {$95.00} was made on time on XX/XX/year> ( Closing date ). A report went out to the credit bureaus before the payment was applied on XX/XX/year> ( Causing the ending balance to go over the credit limit ). Ending balance reported to the credit bureaus was {$3100.00} ( above credit limit of {$3100.00} ). The correct ending balance after on time payment should be {$3000.00} ( Below credit limit ). Attached to this letter please find a copy of my Citi Credit Card XX/XX/XXXX statement. Notice on page XXXX where it says : Crediting payments other than by mail. Cut off time for online bill payments, phone payments, and XXXX mail payments will be midnight eastern time. My records show I made my {$95.00} payment at XXXX on XX/XX/year> ( well before the cut off time ) and the payment was still applied on the next billing cycle. This late posting made my account to go over my credit limit. Citi reported to all credit bureaus that I was over the credit limit {$3100.00}. That information is inaccurate. Not only are they doing false advertisement on my monthly statement, but they are also reporting inaccurate information to the credit bureaus. This inaccurate reporting violates the Fair Credit Reporting Act. The correct ending balance after payment and interests for the month should be {$3000.00}. Please help. Thank you.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, XXXX XXXX XXXX definitions state : rules of construction ( XXXX ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. TransUnion is reporting late payments on several accounts : XXXX 's XXXX - XXXX loans and/or utilization is an experience created by credit usage. XXXX XXXX XXXX ( a ) ( XXXX ) states any consumer reporting agency XXXX furnish a consumer report XXXX the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave TransUnion written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to XXXX XXXX XXXX XXXX congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states 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 method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (NV)

Please see the attached files for the Security Freeze form and Consumer Report Request Form. 

MicroBilt Violated copyright law and trademark law by using XXXX XXXX XXXX XXXX without a written consent per 15 U.S. Code 1681b ( a ) ( 2 ). 

If federal lawsuit is needed, Consumer Financial Protection Bureau ( CFPB ), U.S. Securities and Exchange Commission ( SEC ), Federal Trade Commission ( FTC ), and UNITED STATES Corp will be included with the Federal Lawsuit.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Dear Sir/Madam, I am writing to file a complaint against RC/RESURGENT RECEIVABL regarding a debt that has been inaccurately reported and pursued for collection. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, I believe that my rights have been violated, and I request your assistance in resolving this matter. I have recently been contacted by RC/RESURGENT RECEIVABL regarding an alleged debt in the amount of {$1300.00}. However, after careful review of my financial records, I can confidently state that I do not owe any such debt to RC/RESURGENT RECEIVABL or any other entity. According to 15 U.S. Code 1692c, if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communication regarding the debt to cease, the debt collector shall not communicate further with the consumer with respect to such debt. I have sent written notifications to RC/RESURGENT RECEIVABL disputing the validity of the debt and requesting that they cease all communication with me regarding this matter. Despite my written requests, RC/RESURGENT RECEIVABL has continued to contact me regarding the alleged debt, which has caused undue stress and XXXX Furthermore, they have reported this debt to credit reporting agencies, negatively impacting my credit score and financial standing. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against RC/RESURGENT RECEIVABL for their violations of the FDCPA. Additionally, I ask for your assistance in having the inaccurate debt removed from my credit report, as it is causing significant harm to my financial reputation. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt action to rectify this situation and uphold the rights of consumers under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC (TX)

On XX/XX/2024 I called Revvi Card to report my card lost I found out the card was not reported lost by the representative until XX/XX/2024 which delayed me getting a card by the XXXX or XXXX of XX/XX/2024 which I asked for it to be expedited and they charge me for that instead of making it right. As far as i know, when i as a customer report a card lost that card is supposed to get shut down and another one re-issued the same day or shipped which takes XXXX business days that did not happen Revvi did not shut down and put in lost status until XX/XX/XXXX XXXX days after i reported it lost over the phone
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Airtm Inc. (FL)

Many days ago my AIRTM account was limited, said account was already verificated, one day I wanted to withdraw my funds and they simply restricted it without giving me any reason, I have tried to communicate with them many times by support emails because it is the only form of communication that gives the platform but they don't offer me solutions, they only answer automatic messages saying that I should wait, they don't allow me to have my money and this has caused me many problems. I have many days without withdrawing my funds by any way and the company does not offer me any solution, with each passing day they harm me more, in fact the price of the currency exchange has dropped significantly and I have let them know through multiple emails that I need to have my money but it has been in vain because I have not received a timely solution.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is the unable to provide certification and official documents to validate accuracy to the XXXX Bankruptcy XXXX XXXX # XXXX shows on my Public Records from TransUnion and XXXX credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is 100 % accurate on there file. Multiple individuals, under my name shows on records, and XXXX XXXX or LCI are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022, I was told by a representative from Transunion to file a report for unauthorized inquiries even though It's not required in the FCRA. Please remove all inquiries starting from XX/XX/2022.
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Received auto loan through Credit acceptance. Made several payments to which no payments were ever reported. Original loan amount raised years later from approximately {$5500.00} up to {$8500.00}. Car was full of issues, and dealership refused to fix. Became unable to drive. Car was totaled out, I turned it in, it was sold and no proceeds were ever put towards the original amount owed, instead they added on {$3000.00} and my credit report states I never made one payment. Yet I paid on the car for almost at minimum a full year.
Consumer complaint received 2023-03-26
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. (PA)

In accordance with " The Fair Credit Reporting Act XXXX  '', XXXX XXXX XXXX reference number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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 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 2022-11-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

On XX/XX/2022 I sent Equifax Information Services a hand written letter disputing five items on my credit report. This letter was sent via certified mail with signature receipt requested. I received the signature receipt back with a stamped date of XX/XX/2022. Equifax had thirty days from this date to review and verify the information being disputed, which they did not. As of XX/XX/2022, I had not received any correspondence from them. I sent another certified letter on XX/XX/2022, explaining that they did not respond within the thirty days allotted to them and that I was requesting the items under dispute be immediately removed from my credit report. I finally received a report of their initial investigation several days later but well after the thirty day time frame. After receiving my second letter requesting removal of all disputed items, they simply opened a reinvestigation and ignored my request to have them deleted. As of today, these items remain on my credit report from Equifax Information Services.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

To whom it may concern, It appears that Capital One is reporting previous late payments on my consumer report. Per the XXXX XXXX, I am requesting an update to paid as agreed because these payments were furnished after XX/XX/2020 during XXXX. 

I appreciate your cooperation and timely response to assist me as a loyal customer.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After recently pulling my credit report from your Bureau XXXX I, in accompany with my XXXX, instantly pointed out that I have been reported as XXXX XXXX late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). I also see that according to the reports I was late XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( XXXX ) # : ( XXXX ) AND ( XXXX ), has violated my rights. 15 U.S.C 1681 section 602  A. states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! AT THIS TIME I AM SEEKING LEGAL ACTION AGAINST THE BUREAUS.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I am writing to express my concerns regarding a recent issue with my account related to the spending requirement for the XXXX bonus points promotion associated with my card. I opened my account and paid the {$390.00} annual fee, understanding that I needed to spend {$10000.00} within a specific timeframe to earn the bonus points. 

Upon reviewing my account, I noticed the total new charges reached {$10000.00}, which indicated that I had met the spending requirement. Relying on this information, I was under the impression that I had successfully qualified for the bonus. However, when I did not receive the bonus points, I contacted their customer support for clarification. The agent did not inform me that my spending was inadequate but instead advised me to wait for XXXX weeks for the bonus to be credited. Now, after the eight-week period, I was informed that I did not meet the spending threshold of {$10000.00} as the annual fee was included in the calculation. 

This inclusion of the annual fee in the spending total, without clear separation or explicit communication, is not only misleading but deceptive, leading me to believe I had met the spending requirement when, in fact, I had not. Furthermore, the failure of their agent to notify me of the actual spending discrepancy during my initial contact represents a significant lapse in customer service, which has resulted in unnecessary confusion and disappointment on my end. 

Given these circumstances, I request the following actions be taken : A re-evaluation of my account activities and the misleading representation of charges that counted toward the spending requirement. 
Clear and explicit disclosure going forward on how charges are categorized and calculated toward promotions. 
Due consideration to grant the promotional bonus points in light of the misinformation provided, which significantly impacted my financial strategy and trust in their services.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX AV XXXX, AL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Ive got hard inquiries on my credit report that I didnt have anything to do with. The first one out of many is XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XXXX XXXX, XXXX XXXX XX/XX/XXXX, I also got some more that Im trying to get together. I just now check my credit because Im trying to get a loan to buy a house and this is the first time Ive checked my credit in more than 4 years. Can I get these and the other one taken off my hard inquiries on my credit?
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

I have a Citi Dividend credit card ( ending XXXX ) for 40 years and never had any balance payment problem until this payment on XX/XX/XXXX. I paid the balance online every month, but somehow, only the XX/XX/XXXX payment was returned due to non-payment from my closed bank checking account. Last year, I closed my checking account and reopened a new one. I have paid all the bills from my new checking account since. There were no problems with the payments every month until this payment in XXXX. I notified Citi about the problem : Its customer service from XXXX did not answer my question and hanged up the phone unexpectedly. Citi Bank Customer Service has been no help to any of my service requests. The Citi " External Bank Account with Citi '' has a serious flaw. In XXXX, it suddenly connected to my previous closed checking account and charged me the returned check payment fee. This pattern happened to my wife 's credit card ( XXXX card by Citi Bank ) payment also.