davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (AL)

Ive previously filed a complaint with this company! That is reporting I allegedly made a late payment in XXXX in which I had not made a payment on an account that has been considered closed since XXXX. American Credit Acceptance continued to report late payments on a closed account which goes against the FCRA. 

To say I voluntarily surrendered a vehicle in XXXX but to say I XXXX a payment in XXXX shows that they a falsely reporting information. Ive also had an address to be added onto my credit report that I have no knowledge of and never lived at that I can not even remove because this company has found an address and decided to falsely add it onto my credit report. 

If a CRA violates the FCRA, consumers can seek legal remedies. Which will be the case if this doesnt get resolved immediately by removing this from my credit report because you failed to even report accurate information that has gotten in the way. I never lived on XXXX XXXX, the address doesnt even exist. I now have an address on file that I can not explain to my new leasing agent. Ive attached the copies!
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CITIZENS BANK NA - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (NC)

In XXXX a thief ( most likely inside employee ) opened checking account XXXX XXXX XXXX at Truist Bank XXXXwent online IRS .gov requested that my XXXX {$1400.00} stimulus check be deposited into their account! When error was recognized, I contacted IRS who instructed me to wait to file XXXX IRS tax before any trace could be started. Followed all their instructions as they determined I had identity theft completed required IRS forms but still no action- contacted XXXX XXXX XXXX XXXX XXXX where advocate supposedly has been working on my behalf so therefore IRS refuses to discuss this matter with me. 
Waited and waited but no new updates according to advocate. I contacted Truist Bank Financial Crimes Analyst XXXX XXXX who sent me email on XX/XX/XXXX stating I can confirm that the account the funds of {$1400.00} is not reporting to you nor did you have access to it. That account does present fraudulent red flags. I hope this helps and the IRS can use this to send you your funds. During conversation she indicated that IRS needed to contact Truist Bank and request funds be returned to IRS so IRS could reissue money to me. 
So now I relay message to advocate who again contacts IRS- now I wait and wait and wait and with each inquiry advocate says IRS working on it!! XX/XX/XXXX I called Truist Bank again but now have new representative in fraud department- XXXX XXXX XXXX XXXX stated Truist Bank is aware that my XXXX stimulus check was deposited in bogus account which was quickly closed out after deposit and owners name is confidential due to privacy laws. I asked her if IRS would send request to Truist Bank to refund {$1400.00} back to IRS would they comply? XXXX stated it is IRS fault that they sent to wrong account number and it is clearly their problem! She advised me to call IRS and request they open dispute- and I explained that disputing is exactly what we have been doing for past 2 years. I need someone to encourage Truist Bank to be honest and either refund money directly to me or refund back to IRS so can be reissued to me. And hopefully you can refer me to someone who can investigate these fraudulent accounts since Truist Bank is not willing to acknowledge or accept accountability for these transactions in their bank??? Respectfully XXXX XXXX
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion File Number XXXX XX/XX/XXXX REGULAR INQUIRIES XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX I have never applied for nor took out credit nor fill out any type or credit application in my name.
Consumer complaint received 2019-10-06
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. (CA)

if noticed i am a victim of identity fraud with the accounts listed below XXXX  XXXX XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX  XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance XXXX XXXX  Original creditor
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My current balance in my credit card is an overpayment of about {$36000.00}. I ask the company on XX/XX/XXXX to transfer the balance. When I checked on XX/XX/XXXX, nothing was done. 

The second person originally told me that it would take XXXX billing circles to send a check for the credit balance. I asked her if that was about 60 days and she said yes. When I mentioned that I would file a complaint with the cfpb, she made a phone call and said that it can be electronically transferred in 10 day. This is absurd and I ask that Bank of America be sanctioned with a monetary penalty for fraud. They can transfer my money to pay a bill in 1 day. Why not transfer an overpayment. 

In addition, they now tell me that I have negative rewards of XXXX due to the refund. I paid for a trip and made the trip with my family. Due to unsanitary conditions, my wife and XXXX other people that we know of got XXXX. The refund is due the problems that were incurred. Bank of America treats the repayment as negative rewards. This is also a fraud being perpetrated on her customers.
Consumer complaint received 2018-05-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

Me and the consumer fin.protection bureau have 6 pages of receipts from XXXX XXXX of XXXX XXXX   showing where I stayed from XX/XX/XXXX and XX/XX/XXXX and you are saying in my credit report by XXXX/XXXX that I was staying at your house from XX/XX/XXXX to XX/XX/XXXX.that 's your charge of XXXX.The dept of consumer service commissioner got the information on paper you would not answer me or the commissioner.if you want to keep reporting to XXXX/XXXX credit report you going to have to tell me and the c.f.p.b. what do I owe you for? and if you can not you or going to get off my XXXX and XXXX credit report, the c.f.p.b. has my permission to open my credit.
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

These Inquiries are Fraud not Authorized are TRANSUNION. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ... XXXX ARE. XXXX XXXX XXXX dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

XXXX XX/XX/2024 : I opened up a time payment plan offered by Chase Bank which allowed me to set monthly payment of {$1000.00} per month over a 12 month period interest free. I called to inquire if the plan could be paid early without penalty. I was only advise that I would have to pay the TOTAL amount owed on the plan. I could not apply additional payments solely against the plan. WHAT I WASN'T ADVISED WAS THAT ALL REFUNDS FROM PREVIOUS PURCHASES WOULD BE APPLIED TOWARDS THE INTEREST FREE PLAN AND NOT MY CREDIT CARD PURCHASES. THIS INTEREST FREE PLAN HAS BEEN REDUCED FROM {$12000.00} TO {$5000.00}. IN TWO MONTHS.

I only realized what was happening after a second billing cycle which showed my interest free plan had been reduced by several XXXX of dollars. I call Customer Service. The bank has records of my calls about my issue. The first representative stated my issue would be referred to the escalations department. Last week I spoke to supervisor who assured me it was being looked into. Only, during these conversations, was I advised re : the credit card refund policy to the plan. I was also advised to expect a follow up in writing. 

On XXXX XX/XX/2024, I made another called to the bank and was passed onto a person in the escalations department. He reiterated the plan policy and flatly stated nothing could be done to fix this issue. He gave me the address to write a letter to Chase Card Services. I wanted the funds moved from the plan to the credit card purchases making up my balance. 

I called again later in the afternoon. I asked the representative where -in writing- is the policy advising the consumer that all refunds to my credit card would be applied to the plan first and NOT back against the original purchases.. I also asked where can I see the itemized list of the refund transactions applied to the plan. I only see total amounts reducing the amount owed on plan. My rewards points of over {$1300.00} was cashed in and I do not know if the moneys were applied against the plan. 

When I set up the pay over time payment plan, there was no accompanying documentation. I question if this is a fair practice and even fraudulent. To avoid paying interest on my credit card, I have had to pay a larger interest saving balance. It contradicts the reason why I set it up the plan in the first place. Certainly not in the best interest of the consumer.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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 2024-06-01
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to follow up you about my issue of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-01
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. (NC)

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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-01
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)

It has come to my attention that you are not removing files submitted with an FTC report. As required by section 605B of the FCRA, I am sending this letter via certified mail to establish a legal recourse. If you do not remove the inaccurately reported items listed below, which are the result of identity theft, I will forward my documents to my attorney to initiate legal action. My intention is to avoid legal proceedings, so please comply with the law. Remove the following items, as they are fraudulent and were opened without my consent or knowledge. In the absence of any documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ======Equifax XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Please note that you have four business days to remove the reporting of any items in my credit file resulting from alleged identity theft. I do not consent to XXXX or any form of automated verification. I expect your immediate attention to this matter and a response within four business days.
Consumer complaint received 2024-06-01
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)

I am very concerned about the lack of responsibility in addressing the inaccuracies on my account. When will XXXX correct the incorrect information on these accounts that are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please stop delaying and correct the accounts immediately : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4100.00} & XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$6.00}. As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Provide me with the names and addresses of the individuals contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receiving this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).