davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX XXXX 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 inaccurate.
Consumer complaint received 2024-06-18
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-11-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have a VISA debit card/ ATM card for my bank in XXXX XXXX XXXX XXXX  XXXX 

( THB = Thai Baht Currency ) During the period of : XXXX. XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX Fraudulent Transactions ( Called " Spending '' ) were made on my card for XXXX XXXX each, totalling = XXXX XXXX plus XXXX Fraudulent transactions ( Called " Spending '' ) of around XXXX XXXX each = Totaling THB XXXX XXXX |Fraudulent Transaction ( Called " Spending '' ) of THB XXXX on XXXX XX/XX/XXXX Total Fraudulent Transactions = THB XXXX I cancelled the card XXXX XX/XX/XXXX when I discovered the fraud. 
I contacted the bank. The told me to file a police report, which I did. The bank said the would make an investigation. I gave them a complete list of all fraudulent transactions. 
After 1 month I called the bank again. They said in effect, they would do nothing, it was not their problem! 

I called XXXX  Customer Support. They said they were not responsible for handling fraudulent transactions!! XXXX said they will do nothing!! 

The XXXX  website clearly states : " Zero Liability Policy : Use your XXXX XXXX to shop anywhere -- whether it's on the Internet or in a store -- and you are protected from unauthorized use of your XXXX  card. The XXXX XXXX XXXX policy eliminates consumer liability for fraudulent transactions. '' On XXXX XX/XX/XXXX I called XXXX customer support several times. They gave me the runaround. Finally I was told " This is not the responsibility XXXX. We can do nothing to help you ''. 

This response is a clear violation of XXXX 's own " Zero Liability Policy ''!!! 
XXXX has in fact committed gross fraud against it's own customers by loudly advertising their " Zero Liability Policy '', when in fact they will do absolutely nothing to refund fraudulent transactions on the VISA card. 

I demand that VISA pay Total Fraudulent Transactions = THB XXXX
Consumer complaint received 2024-07-08
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)

Recently I did an investigation on my credit report and found some items may be inaccurate and in fact breaking the law.

Under 15 U.S. Code 19681 e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 Code 19681 I ( 5 ) Treatment of inaccurate information or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) if any information disputed by a consumer an item of the information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall ( i ) promptly delete the item if information from the file of the consumer or modify the information as appropriate based on the results of the investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the items from my credit report. 

XXXX XXXX XXXX XXXX, SC Original creditor Says Last reported XX/XX/XXXX Last Payment Date was XX/XX/XXXX according to their records They are saying the account was Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) to the credit bureaus.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch Sturm LLP (CT)

They continue to call, don't say a word and hang up. Multiple times a week from different numbers. They've called while in bankruptcy after repeatedly telling them to stop. They've called today XXXX times XX/XX/2024. They specifically timed a certified law suit threat to come to me on XXXXXXXX XXXX  this year expected me to sign for it thinking it was a gift. Again and again they harrass, I tell them to stop because they are in violation of the Fair debt collection practices act and they ignore it and call from another number. I've blocked XXXX different numbers just this year from them because they continue to harrass. They continue to try to get verification on my name, which I refuse to give.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (IL)

I've received a copy of my credit report after further review I noticed a number of late payments, unauthorized account information reporting to my credit report. This is prohibited under USCODE -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, 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. 

which has not taken place, these late payments have been detrimental to my life and credit health.
Consumer complaint received 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX I bought XXXX ( XXXX ) American Express gift cards at XXXX. Each gift card was {$100.00} and the activation fee was {$6.00}. In total I spent {$210.00}. When the people ( XXXX ) I bought these gifts cards tried using the gift card online or in store on XX/XX/XXXX and XX/XX/XXXX they received declined messages. On XX/XX/XXXX from XXXX, XXXX. I was on the phone with an American Express gift card representative. I provided them information of the gift card per their request. This included full card number, expiration date, and security code. The representative told me the card was active and had funds, but for security purposes I could only use it with certain merchants. When I asked to give me a list of those merchants, the representative said they could not give me the information as it was against their security guidelines. I asked why the card didnt advertise it could only be used with certain places and they said they didnt know. On XX/XX/XXXX and XX/XX/XXXX I checked the balance of both gift cards, which shows their active and have funds. It does not show why they keep on getting declined. Per XXXX store policy, I cant return the gift cards. In summary, I lost {$210.00} on gift cards that cant be used and XXXX cant get my money back.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

This complaint is on the business Capital One for deceptive business practices they have access my credit report illegally without my consent numerous of times this has put me in extreme hardship and my personal life meaning I am being denied new credit opportunities because of these deceptive and illegal practices on behalf of the business Capital One I have never been affiliated ever in my life with this company I do not know how they obtained my information
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERIS BANCORP (FL)

I opened my private trust on XX/XX/2023 at Ameris Bank XXXX Georgia its was Approved threw the legal department the account opened for two days I Simple went to the bank to ask question upon ach transfer when banker XXXX XXXX and manager XXXX got in their personal feeling And closed my trust account my business checking and saving accounts saying my trust document was no longer correct when it was just approved threw the legal department they are in breach of their fiduciary responsibilities as trustee for the XXXX XXXX XXXX XXXX I would like the fdic XXXX XXXX XXXX XXXX XXXX dollars released for the use of my private property my XXXXsn my id ect inside my agreement I will prove I deposited my source data which is priceless and a asset to my estate I want XXXX and XXXX removed from banking they are incompetent and misinformed on bank operations and they are injuring and breaching trust agreements which results in jail time or fine. I demand the release of all equity interest securities and assets being withheld in escrow on the principals behalf you have seventy two hours to respond in writing to XXXX XXXX XXXX XXXX fl XXXX or email XXXX all rights reserved ucc1-308 18 usc 8 all obligations and debt is off the United States I am a informed consumer advocate and will like remedy without recourse. If you have any questions please seek advice By : XXXX, XXXX XXXX
Consumer complaint received 2023-11-03
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)

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 2024-06-18
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XX/XX/2022 :
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I did not receive any perk or service/product and according to 15 USC 1681b these inquiries has NO permissible purpose to be on my report. I demand that this agency deletes it immediately
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America ( as well as other major banks ) makes special effort to be opaque about the fees that are associated with specific bank accounts. For example, despite my efforts, I was not able to find on my online account what fees are associated with incoming international wires ( the best I could find is " fees varies '' ). There should be an easy to find link from each online account that specifies clearly what are the fees associated with every transaction for this particular account. Right now it is extremely hard, and the feeling is that the bank deliberately makes it hard to figure out.
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$410.00}
Consumer complaint received 2024-07-08
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. (CA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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 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 2024-07-10
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
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. (PA)

XXXX XXXX is reporting inaccurate and outdated information I have asked them several times if they could remove or update the information. 

XX/XX/year> XX/XX/year> XX/XX/year> {$20000.00} {$13000.00} {$20000.00} Information is inconsistent and inaccurate across all three credit bureau 's once again violating my rights per the FCRA.