davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (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 BKPT CT XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 inaccurat
Consumer complaint received 2024-10-26
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is a confusing situation that was created by Bank of America and needs to be resolved the Bank of America.

I have a credit card that I charge XXXX recurring bills a month. I mailed in my check for the XX/XX/XXXX statement for {$38.00} and thought nothing of it. When the XXXX statement arrived there was an unexplained credit in the amount of {$3400.00}. 

Not knowing what to do I called the bank on XX/XX/XXXX to report possible fraud. My son was on the phone call with me at the time. We were told that it was possible fraud and is called an unauthorized deposit, Apparently people steal the payment and make a deposit on a false check. The hope being that they can get a refund for the extra deposit. 
In the mean time we called our bank and were told that our {$38.00} check was never cashed. 
We were told to pay whatever statement that we had and we did that. In regards to the over deposit we were told to sit tight and that they would investigate. 

On XX/XX/XXXX we received two identical letters stating that a payment was applied to our credit card by mistake and that they had adjusted the balance. 

When the XXXX statement arrived it showed that the over deposit of {$3400.00} was removed twice and that we now owed {$3400.00} in addition to the {$38.00} monthly charges and a past month charge of {$38.00} and in addition a late fee of {$21.00}. 

We called Bank of America on XX/XX/XXXX and were on hold for over an hour as they tried to figure out how they messed this whole thing up. They still don't know what happened and have promised to fix it but it's still pending and we owe {$3400.00} of mystery money plus a late fee. 
The insult to injury was the fact that the customer service rep was adamant that we owe a late fee of {$21.00}. My son tried to explain that the missing check from the XXXX payment was related to the fact that we had a mystery credit applied. We were offended by the presumption that we never actually sent in a check and this was some sort of contrived plan to get out of paying a late fee. 

This error has caused great distress for me and my son and that is not even mentioning the lost time trying to fix an error that was no fault of our own. 

Please help resolve this fraud.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-08-29
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: Dyck-O'Neal, Inc. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 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 a 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 2022-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (TX)

This was a case of Banking While XXXX I entered the Truist location on XXXX XXXX XXXX, XXXX Tx XXXX. I went to open an account for my business, however, the banking manager has different plans, he 1st asked for the documents for my business like normal, then upon review, he tells me my office is showing up on XXXX as a different business well this is because its a shared space, and any of those other business also have the right to list it as their principal address, however, this is where I pay a monthly lease to conduct business therefore its not some virtual space that doesnt exist. The Banker XXXX XXXX, refused to open the account at that moment, stating my address isnt valid without providing ( physically or verbally ) any published information stating this to be fact. He just told me if I dont want to open an account with truist then I dont have to Very rude, extremely combative, I work 50 % from home and 50 % in office. Even if this were the case where my business address cant be used to open the account, I should still be able to open the account using my home address. However, this option was never presented.This is illegal to not present all options and against their policy. I believe I was discriminated against simply because the XXXX of my XXXX. I filed a complaint with truist the complaint numbers are XXXX and XXXX
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (AZ)

Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2022 Claim Total : {$900.00} I have attempted to resolve this issue with Chime Financial multiple times. They refuse to treat me fairly & give me a proper investigation. On XX/XX/2022 I attempted to add {$900.00} to my XXXX XXXX XXXX XXXX declined my transaction to add funds but the {$900.00} was still removed from my chime account. I followed up with XXXXXXXX XXXX after the transaction cleared in my chime. XXXX XXXX support did a screenshare with my phone & confirmed the funds did not go through nor post to my account. I asked where did my funds go & XXXXXXXX XXXX was unaware & advised me to contact my bank. 

I have attempted to resolve this matter with XXXX but they have stated they did not receive any funds. The {$900.00} is showing deducted from my account ending in XXXX. Despite my best efforts XXXX has not been able to assist me with funds they deducted out of my account. XXXX is claiming they have never received the funds. I believe they did & it should have been added to my XXXX XXXX 

I contact my bank after they advise me to contact my bank which is chime financial. I submitted a dispute on XX/XX/2022 and within 24 hours my dispute was denied. I filed a Rebuttal & i included additional evidence that supports my claim and shows that the transaction was denied as well as communication between me and the merchant confirming I did not receive those funds on my XXXX XXXX and Chime Finacial still denied my claim I reached back out to XXXX XXXX and they advised me that chime financial has yet to contact XXXX XXXX regarding this matter so I am not getting a proper investigation.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (FL)

Long time customer of Zales, Has Zales Credit Card through Commenity bank. History of using the 0 % for 12 / 18 / 36 months. Went to make a payment and the interest was back charged in the amount of XXXX at 30 % interest. Called to ask to settle without the back interest and pay balance in full. I have spoken with their disputes department XXXX which initially relayed they could flip an 18 month no interest into 36 months, then once she saw when we purchased the item she then relayed because it was during the month of XXXX they can not file a dispute against the interest from the purchase date. Transferred to their hardship program who wants to penalize me close the account and still charge $ XXXX on what was down to {$13.00} K balance and keep a 30 % Interest rate. They will not negotiate or offer additional assistance. This is within a 30 day window of them adding the charge, we received no notice via email which statements are paperless and their website does not recgonize user ID which is a fight to even get into our account. We remained on hold over 2 hours between departments with answers of I am very sorry we can't help you. In asking to speak with higher managers who can help being we are a long time customer of the company and paid our last balance of over $ XXXX within the year of purchase we are not receiving any help.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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 2022-08-26
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. (TX)

I contacted Equifax, XXXX, and XXXX and I never disputed anything. Instead Equifax disputes my accounts without my permission. All my info was in the breach and I am demanding everything to be removed. I never gave permission for a 3rd party to report anything to my consumer report. Equifax lies about investigating and never show proof of investigations. Equifax is reporting the wrong personal information which I advised them many times.
Consumer complaint received 2022-08-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (ID)

I was looking into getting a mortgage for a manufactured home. I was told that they were planning to run a " soft '' credit report and that it would not affect my credit score. I was looking for a preapproval only at this point. They ran multiple " hard '' credit reports and it dropped my credit score XXXX XXXX I reached out to the agent and he told me that he indicated that they would be pulling the hard report but this was never discussed. I specifically asked because I have worked very hard to bring my credit score up and never would have agreed to a hard check at that point as I know that it will drop your score. When discussing the issue with the agent he simply said that he " told me '' which is untrue.
Consumer complaint received 2024-10-30
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/year> SS # : XXXX Subject : DISPUTE OF LATE PAYMENT INFORMATION To Whom It May Concern, I am writing this letter to formally complain that my previous request has been ignored and that you have failed to uphold reasonable procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. The laws regarding credit reporting require that bureaus only report completely accurate credit information, and every effort must be made to guarantee the accuracy and correctness of the information being reported. 



ERROR IN THE INFORMATION REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please correct/update this inaccurate information on my credit report. 

It is imperative that this information be promptly removed from my credit report. It is not only inaccurate but also misleading, and its inclusion in your report constitutes a grave reporting error. 

According to federal law, you have a period of thirty ( 30 ) days to complete the reinvestigation.

Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file.

Additionally, I would like to remind you that, under Section 623 of the FCRA, information providers ( XXXX XXXX  ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate. 

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections 616 and 617 of the FCRA. 

Thank you for your immediate attention to this matter. 

Regards/Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have deposited a third party check to my Capital one 360 bank Account and it was correctly endorsed on the back of the check by the third party and signed to my name as thats the legal requirements. After submitting the check, I received an email stating that the check is being reviewed and once is accepted by the bank I can destroy the check. Few hours later, I have received a email stating that the check is reviewed and accepted by Capital one and I can go ahead and destroy the check and also stated the place a hold on the check for 5 days to make sure the funds will be cleared. After a couple days, the have restricted account and when I reached out, they requested that they need to verify by the third party and I have provided them qith their phone number but they said they are not able to verify the phone number belongs to them and I told them there is nothing else I can do and if they can just close the account and transferred my funds to an external account and they refused to do that as well. I am not sure under what laws they can simply steal people 's money so easily when people need their hard working money and they simply can do whatever they want with people 's money only because of their own mistake and lack of ability to properly proccess check deposits and make the customer responsible for that. They have accepted the check the first place after reviewing it and notify me that I can go ahead and destroy the check. Even in the email they have sent which I attached to this complaint in regards to the hold on the check, they are stating " After thoroughly reviewing the deposit ( s ) and your account, we've determined there's a risk that the deposit will return. To protect you, we've delayed the availability of all or part of {$2500.00} until XX/XX/2022. You don't need to take any action. '' If there was anything wrong with the check or they required any verification, they supposed to state it right here after " throughly reviewing the check, not after depositing it and letting me me know to destroy the check and assure me after a few days I will receive the funds and no action is required, then after a few days place a restriction on the account, when I dont even have the check anymore and not being able to deposit it elsewhere because capital one already proccessed the check and got the funds and simply refuses to give me my money when I need the funds urgently and it affecting my livelihood.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-24
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. (AL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/2022, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This inquiry was not authorized by me.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I would like to file a complaint against XXXXXXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, XXXXXXXX XXXX conducted an inquiry on my credit report without proper authorization, thereby violating my rights under the FCRA. This unauthorized inquiry has adversely affected my credit score and my ability to obtain credit. Despite my efforts to resolve this issue directly with XXXXXXXX XXXX on XX/XX/year>, they have failed to take corrective action. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that XXXXXXXX XXXX complies with the FCRA.