davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  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 XXXX XXXX XXXX. 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. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TRANS UNION IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. INCLUDED IS MY ID AND SOCIAL WITH MY CURRENT ADDRESS. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must operate with fairness, impartiality, and respect for consumer privacy. TRANS UNION fall under this category, and I, as the consumer, have the right to ensure the protection of my private information, as supported by 15 USC 6801.

It is explicitly stated in 15 USC 6801 that financial institutions are obligated to uphold the privacy and confidentiality of their customers ' nonpublic personal information. Any entity furnishing information to credit agencies, by definition, is considered a financial institution under this title. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that consumer reporting agencies can only furnish consumer reports with the explicit written consent of the consumer involved. TRANS UNION, and the furnisher of information to credit agencies lack my consent, verbal, non-verbal, written, implied, or otherwise, to furnish my information. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing an explanation of how the consumer can exercise their nondisclosure option. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization, which includes information antedating the report by more than seven years. Yet, this accounts they are reporting is adverse and without my permission, which is a violation of the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) mandates that no person shall furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of FCRA and to limit the furnishing of consumer reports to specified purposes, which they are not doing.

Finally, as per 12 CFR 1016.7, I retain the right to opt out of reporting services at any time. Therefore, I am formally opting out of your reporting services.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

I had a balance of {$1100.00} with a Venmo credit card, leaving a credit available of {$62.00}. I paid it off in the XXXX. I still dont have access to available credit. They said they can hold the payment for 15 days. In the meantime, I can not use the card or the money I sent them.
Consumer complaint received 2024-06-13
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. (OH)

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 XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-11
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. (TX)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (RI)

About a year ago, I started having issues with my American Express accounts online. I was having to change my password constanly due to it not recognizing it. I would write it down to what I changed it to and their system would accept it, yet when I try to use it days later, would not!! I finally had enough of the issues and called them and spoke with the tech team. That sat with me on the phone while I changed my password for the 15th time within a few months. 

Finally they made me remove special characters and make my password more simple!?!? It worked and has worked since but I'm trying to figure out how a credit card company is making me have the weakest password possible in order to fix their error messages!! I do NOT feel like my account is secure any longer and would like them to fix this issue but they did not seem to have any intention on doing so.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (SC)

On XX/XX/year>, the Executor/TTEE, of estate held in a living trust, deposited treasury check funds into a regular checking account as the trust establish the funds to be deposited in a non interest bearing account. The check went through a verification process as per the banks policy, the check was verified, the funds were cleared, and the check was also withdrawn on. Five ( 5 ) days later the PNC Branch ( the only branch located XXXX XXXX, SC ) placed a hold on the funds. After which, they sent two conflicting letters, one which stated a five ( 5 ) day hold and the other a ten ( 10 ) hold, from the date of deposit, which was XXXX XX/XX/year>. Those days have been exceeded and to which the bank is still withholding and acting in dishonor for a check already withdrawn upon and known to carry a low risk. The bank has also exceeded their authority by not adhering to the request being made to transfer the remaining assets into a trust account to fix the account type issue, to which the banks representative ( Branch Manager : XXXX XXXX, and the Escalation Department Executive : XXXX XXXX ) have express that, " account type '', is the issue. There is no legal justification for withholding funds that the, Trust, is in charge of. The bank has gone beyond regulation and compliance authority. I am now requesting that the CFPB and any other authority become involved to ensure the release of the funds as its now been Thirteen ( 13 ) plus days of PNC Bank, withholding funds without a legal cause to do so ; despite receiving notarized trust documents, to fix the account type issue. They are also ignoring the request made transfer the assets into a trust account that the trust controls, and to which the estate is in. Again, PNC Bank, has been informed that the estate is living in trust, and that their are no probate or death certificate documents to be given. This situation is causing undue stress, hardship, inconvenience, hinderance, and unnecessary delays in ensuring those that benefit from the estate living in trust having what they need.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you.

I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity of XX/XX/2016. You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My account with XXXX XXXX, XXXX, XXXX, XXXX XXXX , was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX, 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 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 XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 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, XXXX, XXXX, 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 2024-06-13
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I paid my student loan off in XXXX, with XXXX  college. The credit report never had XXXX  college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop XXXX  together we have had enough
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WI)

I currently have a Best Buy backed by Citi bank credit card. This card used to have an option that if the balance was over a certain amount even if it was outside of Best Buy you could have interest free financing. Then within the year it turned to you receive an email and have to activate the email. I received an email each month and activate it each month which states Get up to XXXX month XXXX on each eligible purchase made with your My Best Buy Visa Card outside of Best Buy from the date you activate this offer until XX/XX/XXXX. 

Activate this offer by XX/XX/XXXX to XXXX for the following offer : XXXX  month XXXX on each eligible purchase of {$290.00} - {$590.00} or XXXX month XXXX on each eligible purchase of {$590.00} or more Only purchases made after activation will qualify for this offer. 
Use this special offer for travel, entertainment, home furnishings, car repairs and more! 

On XX/XX/XXXX I charged XXXX to my card. On XX/XX/XXXX charged XXXX. Assuming this would be put i to my promotional balance. 

This never happened. I called Citi bank the only number I have for the credit card the first time and the first person first told me Best Buy doesnt do interest free financing outside of Best Buy. Thats a lie. Finally they got to a point and said they do but I didnt activate my offer. So I gave them the date I received the email and about when I would have activated. Never thinking I needed proof because this hasnt happened before when I used it for this purpose. When I gave him the date he said I did not activate XXXX but I had in XXXX which was expired by this time. I asked for a manager went through whole thing again as well as in clouded the activation is through XXXX even if I didnt activate the one I did activate they confirmed I actiavated on in XXXX so that one would have still been valid. They advised they would file a complaint. I called back in a few days and had the same go around cut this time when I talked to the supervisor they said there had not been a complaint filed they would file XXXX and I would hear back on if they could move the balance but he has never seen this happen before. I then called can again to once again point out that I had activated an offer, they confirmed it and that something needs to be done because my balance is due. I would have chosen another card with perks if I knew they werent honoring their deals. He said a complaint had been submitted he could not change it and I would get a letter in XXXX business days. It is now over 30 days later I have not received anything and nothing has been done with my balance, but my next purchase on XX/XX/XXXX did make it to the promotional balances. This is misleading if they are not honoring there advertising. I lost out on benefits by using this card instead of a different one. I have attached XXXX of the many offers I get which was the most recent along with the one they say I activated and the one I say I also activated.