davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-27
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)

RE : ACCOUNT # XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights and FERPA Rights Dear XXXX Customer Service, I am writing to formally lodge a complaint against XXXX for the apparent violation of my consumer rights and the Family Educational Rights and Privacy Act ( FERPA ). I have discovered that XXXX has reported my student loan information without obtaining my explicit permission, thereby breaching both legal and ethical boundaries. 

As a consumer, I have the right to privacy and control over my personal and financial information. FERPA, a federal law, further protects my educational records from unauthorized disclosure. Despite these protections, I have been subjected to an infringement of my rights, as XXXX has reported my student loan information without my explicit consent. 

This violation is not only concerning but also unacceptable. I want to emphasize that by disregarding the laws safeguarding my rights, XXXX has opened itself to legal repercussions. As a result, I want to make it explicitly clear that I reserve the right to pursue legal action against XXXX for this violation. The unauthorized reporting of my student loan information not only breaches my rights but also potentially harms my financial standing and credibility. 

In light of the aforementioned violations, I demand the following actions : Immediate removal of any and all references to my student loan information from my credit report. This action should be carried out promptly to mitigate any further damage to my creditworthiness. 

A written confirmation, sent to my address mentioned above, acknowledging the removal of the aforementioned information from my credit report and any other databases where it might have been shared or stored. 

An official apology from XXXX acknowledging the oversight and detailing the measures taken to ensure that such violations do not occur in the future. 

I expect a timely response to this complaint and action on the aforementioned demands within " 14 days '' from the receipt of this letter. Failure to address this issue promptly and adequately will leave me with no option but to seek legal recourse. 

I trust that you will treat this matter with the seriousness it warrants and take immediate corrective action. I look forward to your prompt attention to this pressing concern. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all three credit agencies ( Equifax, XXXX and XXXX ) to delete this inaccurate information from my credit reports. Thirty days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my second request to have this information corrected and deleted. As of today it has in excess of 45 days with no resolution. I am reaching out for your assistance in expediting this matter. Here are inquiries in question that need to be removed : These are reporting on Equifax : XXXX XXXX XX/XX/XXXX I did not authorize please delete. Equifax XXXX XXXX  XX/XX/XXXX I did not authorize please delete. Equifax XXXX XXXX  XX/XX/XXXX I did not authorize please delete.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : : XXXX XXXX The account is inaccurate
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XX/XX/XXXX and XXXXXXXX XXXX an unauthorized user was withdrawing money from my checking account with a debit card that never got to my possession. Multiple transactions were done without my authorization. I got a call from BOA fraud department that I was a victim of fraud and asked me for codes to verify me while I didnt have access to my account. The representative told me they were sending me another debit card federal express to be received next day. When I checked next day I never received it and I called the bank. The bank told me they never called me for fraud. Immediately I filed for claims. They transfer XXXX dollars from my savings. They also withdraw XXXX from my checking. They did multiple transactions from my checking account {$63.00}, {$400.00} and 5 transactions of {$900.00} which none of these have been refunded. They closed the claim and I reopened it. They refunded me in different claims XXXX and XXXX dollars. I am still waiting for one more claim. I need help. Thank you
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (MS)

Experian is not accurately investigating accounts and I have documents that accounts should be removed. Experian does not remove them only update and verified, but nothing changes.
Consumer complaint received 2023-12-27
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. (HI)

I have been in multiple disputes for several months with Equifax over the hard inquiry Dated XXXX XXXX  From XXXX XXXX, listed on my personal credit report. I have repeatedly requested copies of any authorizations from me, to aquire personal credit from the listed credit provider.. I keep recieving by Email and US mail canned responce letters telling me that they have investigated my complaints and closed the disputes without removing the Hard inquiry in question. Under the requirments of the FCRA I have detailed my requests to make it clear what information I am entitled to receive, the credit reporting agency has not fullfilled my request. There fore I am requesting the immediate removal of this Hard inquiry.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OZK (GA)

Bank OZK on XXXX XXXX XXXX Extension in XXXX, Georgia, charged my non-profit checking account a monthly {$12.00} fee, labeling it " Commercial Online. '' I was charged this fee on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. for eleven times for a total sum of {$130.00}. 

Bank OZK charged me {$130.00} in total, and I feel this doesn't seem right and it is an abusive practice to the consumer. 

If you can't help me, please at least change the notification system so the consumer receives a letter in the mail and email and an explicit notification on the daily report and monthly bank statement so consumers are clearly informed and understand the source of the charge. 

The corporate headquarters in Arkansas told me falsely in a recorded call that I was charged this fee because I had less than {$1000.00} in my checking account, which was true for that account but not correct in total, as I have other accounts with that bank. 

When I called the local branch, I was again told the same thing falsely : I was charged this fee because I had less than {$1000.00} in that account. 

I wrote an emotional letter, gave it to and met with the new branch manager, and informed her that I was not given appropriate notice regarding what this fee was for, and I just realized it was a charge by my bank. I thought it was something else but did not associate " Commercial Online '' with a bank fee. 

The manager stated that I was charged this fee because I had given access to my temporary bookkeeper for the few days she worked for me and had yet to remove her access. I vaguely remember giving her access, but had forgotten all about this, and I never realized there was a fee associated with the few days she had access, or otherwise. 

If this fee had been clearly stated to be a " Bank Service Fee '' or something to adequately inform me about the fee, I could have taken prompt action to call to inquire about it and stop it. 

I have a high credit score in the high XXXX and watch my checking accounts daily. I did not understand where this fee was coming from, and I had no telephone number to call. 

I previously canceled insurance on my phone because I did not know what the bill was, and I did not want to make that mistake again. I should not have been charged this fee. 

I have seen other fees by various companies on my bank statement that needed to be clarified about their source, and the consumer needs better protection. 

As a separate issue, before companies automatically bill without warning for online purchases, there should be advance notice so the consumer can cancel the service without incurring a new charge. We are in a whole new world with online transactions. 

Overall, I have a very good relationship with Bank OZK, and they with me, but Bank OZK needs to handle this situation appropriately. Please investigate for me. Thank you.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MI)

My mother passed on XX/XX/XXXX. In XXXX I notified her creditors of her passing. As she was poor and lived in government housing, she had no estate per State of Michigan law. Starting on XX/XX/XXXX, I started receiving phone calls from different XXXX numbers. This company does not identify themselves. Instead they list the last 4 digits of a credit card. I verified the account is not mine but my deceased mothers. I told the agent on Monday, XX/XX/XXXX that this was not my debt as I dont currently owe any creditors. I asked them to remove my telephone from that account. I was told they would. They have called me everyday since except Sundays. When I call back the number that calls me, they claim my number is not on the account. I have asked them 6 times to stop calling me. They continue to do so daily. I have also confirmed they do know I am not the owner of the account. They did once call me from the US Bank phone number which is how I was able to identify them. They are harassing me into paying debts I do not know. As my mother and I have not lived together in XXXX  years, they illegally obtained my telephone number. I have never co-signed my mothers credit cards nor was I an authorized buyer.
Consumer complaint received 2023-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tesla, Inc. (HI)

I previously submitted a complaint with CFPB ( XXXX ). Tesla responded in writing that they would refund me for an overpayment that I made. CFPB closed the case but Tesla did not issue me a refund. I would like to reopen case XXXX due to Tesla 's refusal to issue me a refund.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. 

The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

This discrepancy is alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 

I want to bring to your attention Creditor Type ( - ) reporting Personal Loan Companies .The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX XXXX I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 

Upon inspecting Dispute Status ( XXXX ) exhibiting Account not disputed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof!

Furthermore, this has been ongoing with XXXX  and they have not addressed any of my concerns and I demand that this credit file be removed from my credit report for several inaccuracies mentioned and included in this complaint. In addition, the loan was apparently sold to a company named XXXX XXXX and the complaint and response from XXXX XXXX is also included in this complaint. 

According to 15 US Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies, XXXX XXXX has neglected to address any of my concerns and have failed to provide accurate information to the data furnishers and Credit Reporting Agencies such as Reporting information after notice and confirmation of errors ( a copy of the 15 US Code 1681s-2 is also included in this complaint ) Additional copies include my credit report with the inaccuracies listed such as showing a charge off and a past due balance which is a clear violation of the FCRA.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Deinde Online Services, LLC (FL)

XXXX XXXX now called XXXX XXXX XXXX XXXX XXXX XXXX XXXX is calling someone else talking about my personal information Ive asked for what this is in writing and no response Ive also disputed this on my credit report
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-12-04
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: DISCOVER BANK (MO)

I had an open case with Discover because of adispute and while so, Discover was supposed to refrain from charging interest. They charged interest before a decision was made on the dispute.First concern is the interest on the account. On XXXX Discover charged me $ XXXX on a statement ending XX/XX/2023, their decision on thedispute wasn't made until XX/XX/XXXX ( that I was responsible for charges incurred while being literally held up by scammers. I was threatened to purchase gift cards & then read the numbers ) XXXX, XXXX XXXX from the executive office of Discover financial services, stated in her letter dated XX/XX/2023 that quote, " We try to detect scams and decline any potential scam transactions or alertconsumers to potential scams before they occur. " Discover should take responsibility and be accountable for what happened to me because of the lack of scam detection. 
Discover is supposed to decline unusual transactions. Discover should have declined the transactions on a card that belonged to someone that historically does notcharge that large amount of money and in fact, about the same amount is put on thecard every month. I use Discover card mostly for monthly billing accounts and groceries. I pay the Discover bill in full every month. Discover should have declined the transaction when10 gift cards for {$500.00} apiece were being purchased. XXXX XXXXXXXX store in another town would only give me one {$500.00} gift card. I asked him why and he told me because it couldbe a possible gift card scam. He was aware of gift card scams. Had the XXXX store done the same, I would only be out the XXXX gift card. 
I have done some research and found that Discover is aware of gift card scams. When XXXX {$500.00} gift cards are purchased, on a card that does not charge that large amount, a credit card issuer who is aware of such a scam should have questioned the transaction, declinedit. 
I should not be held entirely responsible for this loss of money. 

XXXX made XXXX {$500.00} gift cards for me with neither XXXX or Discover questioning thetransaction. After XXXX, I got scared and didn't want to do it anymore. The amount of money made me mentally & physically sick. The XXXX store was local, it was raining, I was wet and inmy pajamas. I had been crying for hours and no one seemed to notice. 

I am requesting to speak to XXXX XXXX ' superior, please. I would like to get this resolved without Discover just washing their hands of this and it going away. Unfortunately, it won't just go away for me struggling to make payments & interest on {$6000.00}. I am on {$1200.00} SS, {$400.00} pension. I had XXXX and then a XXXX. My son lives with me and he is on XXXX. I just had to charge {$1200.00} to get my car fixed after weeks of waiting. How do they think this is going away. 

Thank you