davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account withXXXX XXXX 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.

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. 

XXXX XXXX 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 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was XXXX from the company that I had a business credit card the actual owner in the beginning agreed to take over the debt in which BOA told me XX/XX/year> by XXXX a credit card XXXX that the account was transferred to the owner and I had no responsibility to the debt! However on XX/XX/year> I found out that the payment was late and needed to be paid and was told the account was not transferred! So now Im struggling with a financial hardship of paying a debt that Im no longer with the company and have no interest in the company at this time and stuck with a debt with BOA after several mis information from several bank employees of BOA
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Health insurance charged my card twice, refused to refund and told me to have the transaction reversed/disputed. This charge was fraudulent as it was not the amount I authorized.

RBFCU opened a dispute claim, it was been over 45 days with no resolution or communication. Now they are " charging off '' this account because it's a negative balance due to the double charge and them not resolving this dispute.
Consumer complaint received 2024-08-14
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: SYNCHRONY FINANCIAL (MD)

I got an order cancelled on XX/XX/XXXX which the store did not gave me refund and I called PayPal to solve the problem. They gave me the refund for resolution problem on XX/XX/XXXX ( {$250.00} ) but the store, after days also gave me the refund and it was adjusted and updated by PayPal on XX/XX/XXXX. PayPal charged me the same amount on XX/XX/XXXX because I had one extra refund.

I already paid off my credit card but the amount still there even I got the refund for me to pay.

I called them three times and they did not solve the problem and still charging me on my balance the amount that was already refunded.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I am a longtime Coinbase customer. 
I just spent my entire afternoon attempting to pass Coinbase 's new XXXX validation. I submitted my drivers license and passport, both valid, both current. I talked to multiple support staff. I submitted a selfie holding my drivers license. I submitted a selfie holding my drivers license and a piece of paper that said " For Coinbase. '' I submitted a selfie with my drivers license and a piece of paper that said " For Coinbase Verification XX/XX/year>. '' After each earnest attempt, I was rejected by a " specialist '' who I could not speak with. Every time the goal posts were moved and I had to submit something else. This was incredibly frustrating and time consuming. I didn't even want to make a transaction. I just wanted to comply with your XXXX requirements and access my account. Clearly the automated system being used for ID verification is not working properly and the support process for manual approval isn't effective. I don't know what else I can do. Because of this I am locked out of my account until I submit this information which is rejected every time. 
If you or someone in your office can help, I would appreciate it. 

Sincerely, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have an account with Bank of America since I was XXXX XXXX and they are transferring my weekly paycheck from XXXX XXXX to another account I do not have access to or have I given them permission to do so. I am an XXXX XXXX XXXX and my parents are XXXX XXXX. I have not received my weekly paycheck that I use for expenses to afford XXXX  for almost three weeks. This has cause an undue hardship on me. When I contacted them regarding this matter they were vague about where the monies went as I do not have access to account. I want my monies to be put back into my account.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In the beginning of 2024, my XXXX XXXX XXXX was hacked and I encountered what they call them today of XXXX XXXX. There was an alternate XXXX on my very phone with access to my XXXX information and it absolutely ruined my life, my credit and my reputation. I am doing all means necessary to clear my name and abolish these horrendous marks on my credit report.
Consumer complaint received 2024-09-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (PA)

I have made numerous calls to Synchrony Bank regarding my CD. We called well in advance of the CD maturing to provide instructions that we wanted to transfer the amount when the CD expired. I also had to call Numerous times when we originally opened the account. They have been extremely incompetent throughout this entire relationship. 

I now received an email that my CD is renewed and doesnt expire until XXXX XXXX XXXX I would like my money and all of the interest accrued during the 9 month term released immediately with no penalty or fees. I provided very clear instructions to the agent during our call.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (ME)

On XXXX XXXX  I called edfinancial to request that the overage I am paying every month on my student loan payments be put towards my principal and she said that is not possible and I am not able to choose where the money goes. I then tried to inquire about why my interest rates were so high and she told me I had unpaid interest. I asked if I could pay that off right now and she said no I am not able to just chose to pay off my unpaid interest and that interest will keep accruing interest for the life of the loan even though I am paying an overage every month.
Consumer complaint received 2024-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I, XXXX XXXX, a consumer and natural person, am submitting this complaint independently without third-party involvement. I am the original creditor of an open-end credit plan and believe my rights under the Truth in Lending Act ( 15 USC 1601 ) were violated by Fifth Third Bank , XXXX XXXX XXXX ( doing business as Fifth Third Bank ). 

I was notified by mail on XX/XX/year>, of this violation of my rights as defined under 15 USC 1602. As a natural person holding an open-end credit plan, I was adversely affected by Fifth Third Bank , XXXX XXXX  XXXX ( doing business as Fifth Third Bank ), due to their adverse action, specifically citing " borrower risk outside of tolerance. '' I believe this action reflects unfair lending practices that may violate the Equal Credit Opportunity Act, which protects consumers from discriminatory denials. Under 15 USC 1640 ( a ) ( 2 ) ( A ) ( 3 ), Fifth Third Bank , XXXX XXXX XXXXXXXX ( doing business as Fifth Third Bank ), is liable for damages of up to {$5000.00}. 

I request a thorough review of this matter, as it pertains directly to my rights regarding the opening of credit lines with Fifth Third Bank , XXXX XXXX XXXX ( doing business as Fifth Third Bank ), and to ensure compliance with fair lending practices.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I want to freeze my Equifax credit report, so I tried to log in to my " myEquifax '' account XXXX XXXX XXXX XXXX XXXX My password is correct but it fails and asks me to call customer service to reinstate the account. However, I have already done this and even though I successfully reset my password it still hits the same error. Because Equifax has failed to give me access to my account I can not freeze my credit report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

my credit report is inaccurate across credit reporting agencies XXXX and XXXX. They are showing a bank of america card, XXXX  XXXX XXXX, and XXXX that have confusing information. I demand that this be investigated and deleted from my credit profile across all bureaus do to inaccurate information.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NV)

TRANSWORLD SYSTEM INC. 
Is just a fraud company that using codes to fraud me out of money. I never did paperwork with them. I don't kniow them. If they keep it up I will report them to the SEC, OCC, and the FTC for FRAUD and own up to 11 % of their company. This is a warning I will Whistle blow on TRANSWORLD SYSTEM INC. Keep me out of your system.

15 U.S.C. 1692j Prohibits the design, compilation, and distribution of forms that create the false impression that someone other than the creditor is collecting a debt 15 U.S.C. 1692c ( b ) Sets forth who a debt collector can communicate with without the consumer 's consent 15 U.S.C. 1692g Requires debt collectors to provide consumers with the name and address of the original creditor if requested in writing within 30 days 15 U.S.C. 1692e Prohibits false representations or implications that a debt collector is affiliated with the United States or a state
Consumer complaint received 2024-08-31
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. (SC)

This report is not a duplicate report. I did not hire a credit repair agency or a 3rd party to submit this complaint.

I recently obtained a new copy of my credit report and noticed there are some violations that need to be investigated. In accordance with the FCRA LAWS the below accounts have violated my rights according to 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. 

Account Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name XX/XX/XXXXXXXX Acct # XXXX Account Name : XXXX XX/XX/XXXX ( Original Creditor : XX/XX/XXXXAcct # XXXX Acct Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Furthermore, please provide the XXXX following things for further investigation on my end : XXXX. The Original Contracts Of All Accounts With My Wet Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Consumer complaint received 2024-08-13
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. (NY)

On XX/XX/XXXX, the week off to be exact I applied to a Credit Card via XXXX XXXX I was denied, they had promised me compensation from their ad and nothing was done. 
They have violated my rights, I did not give them written/un-written, verbal/nonverbal permission to have my information sent out to other companies per the FAIR CREDIT REPORTING ACT. XXXX, XXXX, EQUIFAX are credit reporting agencies and I demand that they move all inquiries per the FCRA and the Privacy Act of 1974 states : " ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction.

I am OPTING OUT of CREDIT KARMA -12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices, NO NOTICE whatsoever was given by CREDIT KARMA
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-09
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. (FL)

FINAL NOTICE RE : DEMAND FOR DELETION OF LISTED ITEMS/Per XXXX Privacy Act Also see ; Gramm leach Bliley act 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role WHERE DO YOU GET YOUR AUTHORITY Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report.

XXXX PRVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A cra can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see U.S. v Kozminsky 487 U.S. 931 ( XXXX ).

The below listed items are incorrect and are causing irreparable harm and distress because of your predatory business practices.

Any continued reporting would be another violation, 15 US code & 1681n, knowingly, violating consumer lawyer, and Calif business professional code 17200. These items are as follows
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One - Account XXXX Platinum Secured - Opened XX/XX/year> - I am requesting that this trade line be deleted from all three of my credit reports. I have notified each credit bureau that this trade line reports inaccurately and affects my reports negatively. This account was paid in a settlement. I never received any 1099 for this account confirming it was settled, although I received an email it was. I notified each bureau in a dispute that the account reports payment status as XXXX and nothing has been fixed XXXX Also, the last payment date for each credit bureau is inaccurate. I notified the credit bureaus and was advised after the dispute that it was reported accurately, verified, no change. I emailed the CEO of Capital One regarding for this request to be fixed and was then contacted by XXXX that on their end, they report accurately and the credit bureaus report their information inaccurately. Per inaccuracy, I request that this trade line be deleted immediately.