davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E  FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX CO L Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX LL Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-10-31
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: FC HoldCo LLC (IL)

XXXX XXXX XXXX 1 year 5 months Inquiry Date : XXXX They have checked my credit 4vtimes in the past 2 years. Do not know who they are
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma (FL)

My employment checks was deposited in to credit karma/ MVP banking, I had notified them that some one keep changing my address and phone number, then they had frozen my account, I had to summit many documents proving who I am, it's been over two weeks, and they still refuse to give me my funds. I spoke to the private investigator, he told me that they have the ip address of the person who did it. And that he promise that they was going to release my money. As of today I still haven't had no luck with retrieving my funds. They are treating me as if I'm the bad guy. When I'm the victim... I've XXXX many emails and all they do is ignores my emails.
Consumer complaint received 2023-05-03
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. (SC)

This is my other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to protest about specific records in my document as a result of their wrongdoing. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, either way, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have opened as a result of identity theft. 
XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

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. 

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 2024-08-20
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. (IL)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 in ( MONTHS REPORTING LATE ) to be removed.

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. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am XXXX XXXX, had a checking account with Bank of America with, while I was in the country. I left the country before covid and currently settled in XXXX as I am working here and not in a situation to return in the near future. I received a letter from the bank stating that my account is inactive and if do not respond, the funds would be transferred to debt funds dated XX/XX/. I tried to contact the customer care support asking their help to close the account and transfer the funds to my account here in the XXXX, but despite hearing all my requests, they are not even 'able ' able to authenticate my identity. 
First, they said that they will send a verification code to my mobile number according to their records. Since I am no longer having the cell number which I was using while I was in the US, they tole me that I can update any of my known friends or relatives number, so that they can help me. I updated with one of my close friends number, but they denied it later saying that it it not even updated in the system. Later another executive told me that there is another option to send the verification code over my email. I updated my emails nd started getting notifications while they are still saying that it may take days to get updated in their end. Then another executive told me that my ATM/Debit card which is required to verification process can be couriered to my current overseas address if I updated it with system. They also told me that if it happens, the charges would be deducted for the account also. After updating my address and while trying to request for a new card, it was giving me option only to request for my credit cared and Debit card option had already been frozen. 
Once speaking to an executive over the phone and when requested several times, she transferred me to her manager and the manager after hearing all my stories pretended that she tried to help me but after a while she disconnected the line saying that I am not audible. 
I am herewith requesting you to do the needed so that my account may be closed herewith and the fund left remaining may kindly be transferred legally to my XXXX account. Details can be provided later on request. 
I do agree that we all come across different types of online scams and I am not to criticize or blame any of the staffs who attended my call. 
Thanks and Regards XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NE)

for starters, I went to XXXX point XXXX and got a 2018 XXXX XXXX from them. I was told no initially and somehow magically they called back a week later and said I qualified to find out was the loan was predatorial, and I didnt have a good enough credit, so that was XXXX thing that concerned me. The second thing was concerning me was that when I did get the vehicle I went on XXXX XXXX trip couldnt go over XXXX mph. I take it to the XXXX dealer they tell me the XXXX didnt have their software to take the governor off and that no cars should be sold with the governor on it without the buyer Knowing. I told XXXX this after I was informed I told him I did not want to car. They left the car with me and created of debt of little over {$12000.00}. How can I get this {$12000.00} debt off my credit report because of the contract in the way it was sold to me, I dont feel they did right by the consumer in a number of ways and now that XXXX XXXX and trying calling XXXX getting the run around
Consumer complaint received 2023-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back about close to 15 years I had modified through Bank old America. I had a XX/XX/XXXX XXXX. The house was under financially over XXXX. They modified the 80 % loan, and were suppose to write off the 20 % which was a little over XXXX. The 80 % loan was a little over XXXX this modified. The 20 % loan shows with Bank of America the account was closed or I did not have to pay them. They were very deceitful on the modification. Years later they sold the bad debt to a company that was owned by them or sister company by Bank of America. As time has gone by they sold to other collection agencies such as XXXX. Now almost 15 years later my house is in foreclosure. They said compound interest of what was XXXX now is close to XXXX. They say if I dont pay they will for close. They have address or my home XXXX XXXX XXXX, XXXX, California, XXXX on XXXX under Foreclosure. The young lady who modified loan for me told me to contact you and the Attorney XXXX I did. I need help since I have a wife and a mother in law who has XXXX that I support financially. My wife cant work since she care for my mother in law. She stopped working in XXXX. Since I dont know law or barley make ends meet to hire an attorney I am desperately seeking our organization and Attorney general before I go public with this dishonest company. I know Bank of America was paid to modify loan which they refused to help by giving me the runaround, so I hired an outside company who took it out of foreclosure but failed to modify. Then I hired another company to modify, which she did. XXXX Bank of America accepted modification, but failed to write off the amount that made the mortgage under value market. They secretly sold the bad debt and it has been sold from hand to hand.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

This company : COLUMBIA DEBT RECOVERY LLC DBA GENESIS, has placed derogatory marks on my credit reports of {$250.00} and states that I tried to rent a property in XXXX and owed them money for some kind of review. My social security number was leaked during the XXXX leak and since then I've had to freeze my credit. I don't know how someone in XXXX is impersonating me and don't think that this should reflect negatively on my credit report because this company didn't do their due diligence in verifying that person 's identity. They have my old address from over 5 years ago listed but I've lived in XXXX, FL my whole life and never moved or attempted to move to any other city or state. 
In order to remove this they now want a police report from me regarding the XXXX leak and this incident and to go to a notary to verify that I am who I say I am, and images of my driver 's license, but apparently didn't require any of this to place this derogatory mark on my credit or request it from that person who impersonated me. I'd like for them to remove this from my credit report.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (OH)

This is regarding a disputed transaction with XXXX XXXX in XXXX, PA. 

On XX/XX/XXXX, I checked into XXXX XXXX XXXX for a planned two-night stay. Unfortunately, on XX/XX/XXXX, I received the devastating news of my grandmother 's passing. Given the circumstances, I made the decision to check out around noon, a day earlier than planned. The front desk graciously acknowledged the situation and assured me of a refund for the unused night, amounting to {$210.00}. They provided me with a receipt clearly detailing this refund due back to my Apple Card. 

Days turned into weeks, and the promised refund did not appear on my card. Trusting in the reliability and integrity of the Apple brand, I initiated a dispute via Apple Card. However, I was genuinely shocked when the resolution initially sided with the merchant. I reopened the dispute and resubmitted my information, but it was again denied by Apple Card. 

To be clear, I have concrete evidence in the form of a physical receipt which confirms the refund owed to me. It is disheartening to think that despite such unequivocal proof, the matter was resolved against me, especially considering the emotional distress I was undergoing due to the sudden demise of a close family member.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I visited XXXX XXXX XXXX, XXXX between XX/XX/2023 and XX/XX/2023. On XX/XX/2023 I was sitting outside of a restaurant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when a XXXX  man drove by on his motorcycle XXXX times. On the third pass by, the man then snatched and grabbed my bag that was sitting next to me on my chair outside of the restaurant I was eating at. The bag contained my phone, wallet, and travel documents. Chasing after the thief was useless as he had already turned onto the XXXX XXXX of XXXX XXXX XXXX XXXX. I immediately notified the restaurant I was eating at that I had my belongings stolen from me and was told that they could do nothing about it but allowed me to return another day to pay for the meal since all of my money on hand was in the bag that was stolen. I then was told that the XXXX XXXX XXXX XXXX police station was only just down the road on the main XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. I walked over to the police station and explained what had happened and was asked if I wanted to file a theft report. I insisted but then was informed that all police reports MUST be filed in the vietnamese language. I do not speak or know any vietnamese language so I requested a form of translation since I could not use my phone because it was in the stolen bag. The officers stated that " we are police officers, not translators '' to which I then requested that I would need to go back to my hotel to use my laptop to translate the report and file it. They allowed, and when I returned I filed the report. After filing the report, I then called Bank of America on the same day to report what had happened but realized that someone had already began charging every card that was in my wallet. I was charged over {$3000.00} in total, of that amount, {$410.00} was charged to my Bank of America checking account debit card. 3 days later, I returned to the XXXX XXXX XXXX XXXX to ask for a copy of the filed theft report and was told that they have no idea who I am or what I was talking about, saying that " if '' I did file the report then I still would not be entitled to a copy of the report as it is against their law. I was instructed that " if '' I did file the report then to wait and they will contact me if anything comes up. Then on XX/XX/2023, Bank of America notifies me that my claims for my checking account and debit card have been denied for the fraudulent transactions that the thief charged to my account. Very odd, since Bank of America 's policy is {$0.00} fraud liability and it is federal law that customers are not responsible for unauthorized transactions. Bank of America has not provided any proof for denying my claim besides saying that they are 'Unable to pay ' and that 'The charge was authorized by you or made by someone who has permission to use the card or account '.