davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Per the FCRA, I XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time.

The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies.

Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report.

I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all XXXX of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, XXXX XXXX
Consumer complaint received 2023-12-21
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. (MN)

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 XXXXXXXX has violated my rights. Or a 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 2024-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I hope this message finds you well. I would like to submit a complaint regarding an issue with my savings account at Bank of America ( BOA ), where BOA changed my account type and issued charges without notification. 

Briefly, I opened a DBA deposit checking account ( # XXXX XXXX XXXX XXXX with BOA on XXXX XXXX XXXX  At the time of my account opening, the account had a minimum balance requirement of {$3000.00} for fee waiver. I deposited {$3600.00}, which, according to BOA, met the minimum balance requirement. Unfortunately, since this was a low-activity account, I did not closely monitor its activity. Recently, during a review of all my bank accounts, I discovered that BOA changed the minimum balance requirement for fee waiver on my account to {$5000.00} and has been charging me a monthly fee since XXXX XXXX Further investigation revealed that BOA " upgraded '' my account to " Business Advantage Fundamentals Banking '' with a {$5000.00} minimum balance in XXXX XXXX, without my consent or knowledge. I was not notified of this change, and I did not request or authorize an account upgrade. I would also like to note that this is not the first time BOA has unilaterally changed my account type without notification. The last instance was caught in a timely manner, and they reverted the change with a full refund. 

To address this issue, I visited a BOA branch to try to resolve it. A branch agent at BOA XXXX # XXXX submitted a refund request with an explanation of the situation on XX/XX/XXXX and XXXX XXXX XXXX The agent said a request refund of {$190.00} for XXXX will be the first step and the rest XX/XX/XXXX forward will be deal with later ( see image of agent handwriting ). Unexpectedly, the request was only approved for a partial refund of charges from XXXX to XX/XX/XXXX ( please see the attached email ), which is totally different from what I was told. 

While I understand that I should be more vigilant and notice these issues sooner, I still consider BOA 's actions unacceptable. This is the second time an account change has occurred without my approval or notification. Despite my efforts to resolve the issue directly with BOA, I have been unsuccessful, leading me to submit this complaint to CFPB for consideration.
Consumer complaint received 2024-01-04
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. (NC)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.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
Consumer complaint received 2024-04-22
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. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-04-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Timely payments have always been maintained for this account, with no instances of overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (MA)

I am a victim of identity theft. Two fraudulent credit card accounts were opened with my personal information in XXXX, XXXX from American Express ( balance : {$11000.00} ), and the other from XXXXXXXX XXXX ( balance : {$1000.00} ). I never opened these accounts or allowed other people to open them on behalf of me. I never benefited from any of these two accounts. I am never affiliated with the addresses associated with these two accounts, and I never received any cards from these two creditors. After I discovered the fraud accounts on my credit reports in XXXX, I filed the police report and FTC report and sent them to both creditors. XXXXXXXX XXXX accepted my dispute claim. However, American Express handles the fraud case in an unprofessional and negligent way, which has tortured me for more than one year. My communications with American Express are listed below : XX/XX/XXXX The fraud account was discovered, and I started working with American Express to file a proper claim. 
XX/XX/XXXX XX/XX/XXXX XXXX dispute claims have been submitted with proper documentation, but all claims were denied by American Express : We have reviewed your dispute and are unable to accept your claim since you received and used the Card issued in your name.. During this period, I called the American Express fraud department countless times, and all representatives refused to provide more detailed information to explain why the dispute was denied. The cases were usually denied within 6 calendar days since they were created. 
XX/XX/XXXX Started working with a specialist from the American Express XXXXraud department. I provided all the information as requested by the specialist. In our last call, the specialist scheduled our next call on XX/XX/XXXX, but I never heard back from him ever since. 
XX/XX/XXXX A debt collection company reached out to collect the debt on the fault account. I told them that this is a fraud and the representative marked it as a fraud. 
XX/XX/XXXX Started working with a representative from the American Express Executive Office XXXX EXT XXXX. 
XX/XX/XXXX The representative advised that the claim had again been denied even after providing all requested information. The fraud team has done some research to come to the conclusion that you have benefited from the use of the card. The representative refused to provide any additional details about the research done by the fraud team and told me that this is the final decision. 
XX/XX/XXXX Submitted proper request to American Express XXXX but no response as of XX/XX/XXXX. Tracking Number : XXXX.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (LA)

XX/XX/XXXX : I receive a letter in the mail from Netspend concerning an account that I closed back in XXXX. The letter was dated XX/XX/XXXX, and it stated that my account was issued a refund for Foreign Transaction Surcharge fee associated with returns and reversals. 
The letter also stated that this refund was sent to my account on XX/XX/XXXX. 
Again, I closed this account, but if theres funds leftover in it now, then I want my XXXX funds! By the time, so had gotten the letter, their call center was about to close. HOWEVER ... I still called just to see if I could some assistance, but no. Their automated voice bot makes you go through their menu and then while waiting on hold, this bot has the audacity to tell customers to solve our issues online through Netspends website due to the lack of customer support because of COVID-19. So, I sent an email. ( Spoiler alert : I still got no help ). 

XX/XX/XXXX : I finally got a response to my email that I sent yesterday to customer service, and Ill attach a screenshot that shows that customer service just gave me the run around by informing me to contact their support line because theyre unable to help me via email due to data concerns and other XXXX. Yet, their automated voice bot on the support line tells customers to go online and solve our issues ourselves. 

XX/XX/XXXX : I file a complaint to Consumer Finance to let them know that Netspend is using the pandemic as an excuse to avoid helping their customers with their financial problems during a pandemic. 

Note : I attached a picture of the letter, and the unhelpful customer service response to my email.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

On or about XX/XX/2020 I opened a bank account with JP Morgan Chase using a check from a payday loan. When I went into the branch I was advised that my account had been closed and Chase no longer wanted to do business ' with me. unbeknown to me, The check i deposited was a fraudulent check. I gave them the debit card back and exited the building located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. I decided recently to open an account with Chase and I came to find out another account was opened in my name that I had no knowledge of. And some how over {$1000.00} was deposited in that account. Going by the statements The account was opened with over {$1000.00} deposited into that account from my wife 's account and the account had one transaction which was foreign currency in which I have no experience with and have never traveled abroad. The rest was debited at {$12.00} per month in service fees for 3 years. The account remained dormant. I am demanding all of my money back that was debited from my account as I was completely unaware of this account. And it appears my wife 's account had been breeched as well. As she had no knowledge of the funds transfer. I dont understand how a bank can allow an account to be dormant for over XXXX and not report the funds to the state of XXXX
Consumer complaint received 2023-01-01
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: Experian Information Solutions Inc. (FL)

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, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-04-22
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. (GA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2023 I called Wells Fargo and explained to them that someone had stolen my phone and had all my banking details and mobile walkers and were going XXXX around taking money out and that my phone had went missing a week or XXXX prior to me making the call and once I realized they were in my accounts I called and reported it and made a police report with XXXX police department about the people in my accounts and paying people through pay pal and also using my phone to take money out at stores etc. Wells Fargo gave me a temporary credit for what was lost and then upon the investigation found I was at fault and reversed the credit which made my account go to negative XXXX dollars where it stands today. I did everything I was supposed to do in reporting. I XXXX was not at all responsible. I need help because Wells Fargo said theres nothing I can do even if I made a police report. This has made my Wells Fargo account in a bad way and Ive been a loyal customer for 14 years. I would like my credits back to my account
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, Transunion and XXXX are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national I also have received a notification from the law firm about class action that XXXX  lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently maintained prompt payments on this account, preventing any occurrences of overdue payments. I'm uncertain about the cause of the late payment remarks appearing on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-01-04
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.

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 2024-01-04
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. (NC)

As of XX/XX/2024 - An account is XXXX years ofd on my credit report. It is shy XXXX months of last payment date. I requested that this item be removed, not only was it removed. It was updated stating historical data is correct and brought an old account current that should be deleted.