davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. (CA)

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And one more thing according to 15 USC 1681s-2 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 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (AR)

I am XXXX XXXX XXXX and have been a customer of American Express for more than two decades. 

On XX/XX/2023, I called American Express and asked for a loan payoff to close the account. I recently retired and began to streamline my financial obligations. 

I was told the amount I owed, and I wired those funds on that same day and closed the account. 

I received no communication from American Express in XXXX and in XXXX I was notified that my payment was past due. 

I called American Express and told them that I was the victim of fraud since the account had been paid off and closed on XX/XX/XXXX. I didnt make any purchases. 

I did not hear from American Express until XXXX when I received a past due notice. 

I called American Express on XX/XX/2023, and repeated my fraud concern. 

Only then did I learn that American Express had determined there was no fraud and closed the fraud investigation. 

I learned that American Express had charged my closed account with a membership fee ( which is now reversed ) and the past due charges were two late fees on an account that was paid off pursuant to information that American Express provided and that account was canceled. 

American Express lacks sufficient internal controls. American Expressed charged a membership fee to a closed account. How is it possible to post charges to a closed account? This was done by American Express for their own benefit and to the detriment of their customer. 
Lack of communication. American Expressed has not communicated with me with a statement, phone call, or other method since the account was paid off and closed, despite an active fraud investigation, until the XXXX late payment notice. 
American Express is alleging that a customer can not rely on the instructions they provide by phone. 
When I called to cancel the account, I was transferred to an account retention specialist who made comments like closing the account will have a negative effect on my credit score. A seemingly threatening comment.
Consumer complaint received 2024-04-26
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)

I'm writing to you since I recently received a copy of my report. I then discovered accounts that were plainly incorrect yet were still shown on my credit report. There is a significant disparity in the accounts reported. The incorrect statuses and late payments across three agencies. Additionally, balances that have not been updated and accounts that I am unfamiliar with.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to the credit bureaus in regards to an account that they are reporting illegally on my credit report.This account has to be deleted immediately : ( Account Name : XXXX Mortgage XXXX - Account Number : XXXX ) Re : Violation of Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) - Request for Deletion of Unauthorized Account I am writing to bring to your attention a serious matter concerning an account on my credit report, which I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681 ( a ) ( 2 ) ( B ). Furthermore, I wish to highlight certain provisions of the Truth in Lending Act ( TILA ), specifically, 15 USC 1602 ( g ) and 15 USC 1681n, which have been transgressed in this matter. 

XXXX XXXX XXXX XXXX XXXX, failed to comply with these obligations by not disclosing to me, as a consumer, the required information about the disclosure of my nonpublic personal information to affiliated and non-affiliated third parties. Additionally, they did not provide an explanation of how I, as the consumer, could exercise the nondisclosure option, as mandated by federal law.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (CA)

I initiated a transfer of Asset from Optum Bank to XXXX on XX/XX/year>. Optum zeroed out my account on XX/XX/year>. As of today the fund is still not transferred over to XXXX. 

I made multiple phone calls and online written inquiries to Optum support and I was first told they sent a check on XX/XX/XXXX, then was told they sent it as a direct deposit. When I requested a trace on the direct deposit they came back and told me it was a check. 

I was also told that I could put a stop payment on the check and get it reissued by one agent, but when I tried to do that, another agent told me I had to wait. 

It just seem like their support department is confused and Optum Bank is holding my funds without justifiable cause.
Consumer complaint received 2022-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (PR)

In my credit reports in the XXXX reports there are inquiries from capital one that I never authorized and I called the XXXX agencies indicating what happened and they told me to consult directly with capital one or that it is not in their hands or to make a report, etc.
Consumer complaint received 2024-05-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

In online application was completed for a reserve line of credit. The system gave me an immediate approval of {$500.00}. After the XXXX day right to resend, I noticed that the line of credit was never opened. I feel this is a UDAAP and a truth in lending violation.

The representative showed no desire to research the matter.
Consumer complaint received 2024-05-24
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: Possible Financial Inc (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX XXXX XXXXXXXX Dear POSSIBLEFINA, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), the Missouri Revised XXXX under Sections XXXX and XXXX, and identity theft fraud laws specific to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that POSSIBLEFINA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, Missouri state law, specifically XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section XXXX of the Missouri Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that POSSIBLEFINA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Sections XXXX and XXXX of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, XXXX  state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that POSSIBLEFINA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2023-04-26
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: A & O Recovery Solutions, LLC (PA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX, XXXX XXXXXXXX XXXX Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 

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 has violated my rights.

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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/ I began noticing fraudulent activity on my Capital One account ending in XXXX. The fraudulent activity was from XXXX XXXX XXXX XXXX XXXX, that had been added to my account without my authorization or consent. I called and tried to resolve the issue but they would not take the fraudulent purchases off my account. 

Recently, I received a court summons by a debt collection agency called XXXX XXXX XXXX XXXX XXXX  for the fraudulent debt that was caused by identity theft.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am a victim of identity theft and there we're two credit card accounts that was opened in my name with XXXX and Bank Of America. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from my credit report.
Consumer complaint received 2024-04-22
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. (SC)

I have identified accounts on my credit that are results of identity theft. These items are not related to any transactions caused by me. I have read that I have rights to have my information blocked and removed pursuant to 15 USC 1681c2. Pleas honor my request and remove these accounts immediately. I am a living person do not close this investigation until full proof is sent items are removed..
Consumer complaint received 2024-04-26
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. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NY)

United Accounting Services ( UAS ) has incorrectly allowed my loan to accrue intersest and incorrectly charged me interest for extended periods of times. 

1 ) Charging interest while loan was in FULL DEFERMENT : incorrect interest being accrue while loan should not be accruing any interest ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and record of my phone calls ( at least twice daily ) to UAS on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2 ) Charging incorrect interest rate XXXX XXXX XXXX  when rate is 5.0 % ) XXXX XXXX XXXX XXXX XXXX XXXX one email and 3 phone calls so far with no response, denied speaking to an account specialist or supervisor directly. 

I have had upwards of 50 calls and email submission requests with customer service representatives at UAS where I am disconnected on, not provided information, have been told the issue would be rectified and it was not rectified. I have been denied the opportunity to speak with an account specialists or a supervisor on countless occasions.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX and Experian are reporting student loan accounts as unfavorable/negative that have closed as of XXXX. The bill was reported late while in grad school. I attempted to explain this to the credit agency, but they refused to fix it. The other problem is the accounts are being reported twice paid as agreed, and potentially negative. I have asked XXXX to unlock my report as of XX/XX/XXXX, but they refused. Experian resolved the dispute in 5 days with no change to record because the company is no longer in business and is telling them we were behind on payments.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX XXXX  with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AmeriHome Mortgage Company, LLC (GA)

Around XX/XX/2023 ... AmeriHome Mortgage Company LLC, were served with a Good Faith DISCOVERY NOTICE ; Verification of Proof of claim, under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ) .Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. AmeriHome Mortgage Company LLC, were allowed an additional 30 calander days, with even further/additional time to respond, and has/is shown/showing zero concern for the above mentioned Law. The amount in question is in excess of XXXX in U.S. Currencies or some other unknown, unclear or deceptive language used that the presumed lendee of the NOTE is Not aware of. A " REQUEST FOR ADMISSIONS '' were also served upon AmeriHome Mortgage Company LLC, and " Holder In Due Course '' has received zero response from AmeriHome Mortgage Company LLC, nor from it's Trustees. 

NOTICE : Under Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to foreclose.
Consumer complaint received 2024-04-26
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)

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. 
XXXXXXXX XXXX XXXX Account # XXXX XXXX, has violated my rights. 

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

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.