davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
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)

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX, XXXX, Equifax is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX, XXXX, Equifax the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Equifax whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX, Equifax Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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  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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I had fraudulent charges being made on my credit card account on XX/XX/XXXX. I had received text alert on my phone regarding charges which I did not make and immediately called customer service to report these charges. I was being informed that my account will be locked, charges will be marked as fraudulent, and new credit card will be sent. However, representative did not fully lock the account and few days later more charges were being made. I again had called immediately to report those charges and was told that my new credit card is on its way. This representative did block my account as it should have been. I have my account on auto payment and so amount was paid. My account was reimbursed for that amount. However on XXXX statement, same charges were placed back 3 times and there was late fee and interest charges applied. I called the customer service and was told that it is going thru correction and it will be readjusted. Again, I paid the amount as it was on auto payment. These charges were not removed, and again in XXXX statement same charges were placed again 2-3 times and again it debited my bank account because of auto payment. This repeated in XXXX statement. I have called multiple times to Security Department of the credit card and spoke with different Escalation Specialist and every time, I have been informed that my account will be reimbursed. I was informed that it will be reimbursed 45 days from XX/XX/XXXX. I have sent them official certified mail with return receipt to explain why this is not been addressed, but I have not received any response. 

I called on today XX/XX/XXXX and spoke with XXXX who is Escalation specialist and explained the situation again and was told that she recognizes wrongful charges and she will send email to audit the charges and it may take 2 weeks. However, I have my doubts. I need help with this situation.
Consumer complaint received 2023-09-28
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not want to have this information that does not belong to me in my report
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It has come to light that you are not withholding records, as evidenced by my sending a copy of the FTC report. As required by regulation 605b of the FCRA, I am submitting this Complaint to help facilitate a proper response in accordance with the law. If you choose not to obstruct the following items listed below, which pertain to incorrect responses due to fraud, I will turn over my documents to my attorney to initiate legal proceedings. My intention is to avoid pursuing any legal action, so please adhere to the law. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$11000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$23000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (AZ)

On XX/XX/XXXX I co-signed a student loan for my then daughter-in-law for approximately {$13000.00}. I was assured that if the loan was in good standings after 5 years I would automatically be dropped as the co-signer. The loan has been in good standing up until early last year ( XXXX ). The balance is now greater than {$16000.00}. I believe the loan has changed hands multiple times, so when I got notice of a default I was surprised. I wrote their collection agency a letter giving my response as to why I didn't think this was my responsibility anymore and they responded that given the information I provided they were referring the matter back to the current loan holder, Firstmark Services. I have moved since this loan was originated and no longer have the documentations as to my loan agreement and responsibility. I am almost XXXX and XXXX. There must be some statute of limitations or something that provides me with some form of relief or assistance. My former daughter-in-law has made new arrangement on the loan, but they should be between her and them. XXXX years is unconscionable and the fact that after years of paying on this loan the amount is now greater than the original loan. The account number for this loan is XXXX
Consumer complaint received 2023-10-18
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Hello, My name is XXXX XXXX XXXX XXXX my phone number is XXXX XXXX XXXX 

I am lodging a complaint against Experian. They are not reporting all credit cards and limits, and as a results their actions are severely affecting my credit score. 

Outstanding debit percentage, due to the fact they are not reporting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has led to my Experian XXXX XXXX to drop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  below my XXXX and XXXX scores which are both XXXX. It is my understanding that these scores should be within XXXX XXXX of each other. 
I have contacted Experian regarding regarding updating my address, and also this matter and they have not responded. 

These matters are critical to having great credit, I look forward to hearing from you with a resolution. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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. (MI)

It has come to light that you are not withholding records, as evidenced by my sending a copy of the FTC report. As required by regulation 605b of the FCRA, I am submitting this Complaint to help facilitate a proper response in accordance with the law. If you choose not to obstruct the following items listed below, which pertain to incorrect responses due to fraud, I will turn over my documents to my attorney to initiate legal proceedings. My intention is to avoid pursuing any legal action, so please adhere to the law. 
XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$23000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$23000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

This company is currently violating my consumer rights in regards to my XXXX account, account number XXXX. They are using false and misleading representations and deceptive means to report unvalidated information on my credit report. I have not been provided with an opportunity to dispute this account and have never received a dunning letter as required by law, yet this collection is showing on my credit file. Because of this I am disputing this account and demanding the following : USPS Certified Mail Tracking Number, proving that the required dunning letter was sent and received by me and that I had the opportunity to dispute the alleged debt pursuant to federal law. 

A full validation of this alleged debt and proof that you are a bonded debt collection company licensed to do business in Virginia. 

The purchase agreement/contract/assignment between you and the original creditor showing all terms and conditions relevant to the arrangement. 

I am also hereby revoking any and all rights that may exist to contact me by email, texts, or calls. If this can not be done please delete this account immediately.
Consumer complaint received 2024-04-17
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. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Merchant Name : : Accounting Instruction Help & How To ( the Key person and accounting instructor ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I purchased yearly cost {$190.00} accounting online courses XXXX ) I received the email immediately from Capital One : asking me, if I approved this purchase. I said yes. 
XXXX ) I immediately sent email to XXXX XXXXXXXX in case having problem to get Capital One approved the charge. -- please let me know. 

XXXX ) on XX/XX/XXXX, the merchant without my aware/knowledge and without my authorization ( since the merchant had my credit card number from my XX/XX/XXXX purchase ), charged my account {$190.00}, Capital One approved the charge and credit to XXXX XXXX XXXX XXXX even merchant without my authorization to charge. 

XXXX ) on XX/XX/XXXX, I canceled this credit card ( which I provided to merchant on XX/XX/XXXX. 

XXXX ) Around XX/XX/XXXX, Capital One issued me the NEW credit card with new secret code. 

XXXX ) on XXXX XXXX, XXXX, I tried to use this New credit card -- and found out I already had balance due {$190.00} charged on XX/XX/XXXX by the merchant ( XXXX XXXX XXXX. ) XXXX ) I am so scary : merchant not just not have my authority, furthermore can get my new issued credit card number and got approval from Capital one to charge my account .again.. 

XXXX ) on the same day XX/XX/XXXX, I immediately called the Capital One, the case number : assigned XXXX. : XXXX Capital One did temporary credit back my account {$190.00} -- case will be in investigation periods for 90 days.

10 ) When I mentioned to Capital One that the whole issue for this case is : merchant charge my account without my authorization. Capital one should requested the merchant to proved the evidence/proof that they did get my authorization to charge my account. 

11 ) It is very difficulty to communicate with Capital One staff -- : may be my XXXX is not so good, they can not understand me. All Capital One focused are : Instead to ask merchants to provide they got my authority to charge my account, All they wanted to know if merchant provided me the merchandises. So far my only order/purchase -- was on XX/XX/XXXX and I already. paid by credit card {$190.00}. 

Thanks for the help! Appreciated!
Consumer complaint received 2024-04-17
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. (AR)

I trust this message finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the many formal attempts to address this matter. 
As previously discussed, there is an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated efforts to rectify this issue, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

It is imperative that immediate action is taken to rectify this matter and ensure that my credit report accurately reflects my financial history. I urge you to prioritize this issue and expedite the process of correcting the late open account. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, 2022 Balance : {$10000.00}.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for an American Express XXXX XXXX, my application Reference Number : XXXX, and an American Express Gold Reference Number : XXXX. 

I was denied both times based on my credit report. On your XXXX Prospectus dated XX/XX/2023, page XXXX ( XXXX ) you specifically stated it and I quote " XXXX scores are based on independent, third-party information, the accuracy of which we can not verify. " My credit score isn't a factor in whether I was approved or denied. 

I gave you an application that you will turn into a receivable, sell on the secondary market, and make all your money. I gave you my Social Security number and now you're acting as power of attorney and fiduciary on my behalf.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America applied {$51.00} in interest charges to my credit card account. The Credit card had a balance transfer with separate terms and agreement, and at the time of accepting the balance terms and agreement it was explained to me that as long as I have available credit line and I make purchases and pay off those purchases within the due date that no interest will be charged. 
I contacted Bank Of America on XX/XX/XXXX and XXXX of XXXX and both employees that spoke with explained that was their understanding as well. The new charges which generated the interest was paid off way before the due date so those employees that I spoke escalated the issue to their back office as they called it for review because they did not understand either why the interest was applied to my account. The back office sent me an email XX/XX/2024 denying my request to reverse the interest charges and they did not give an explanation. 
When I call back the representative, explain that I would need to pay off the total new balance to avoid any interest charges. Otherwise any payments made would first apply to the minimum balance on the low interest rate, which would be my balance transfer and then to the new purchase, which has the higher interest rate, and the interest rate for the new purchases would apply immediately not like other credit cards where you have a grace period without interest and a due date. 
The wording in the terms on the conditions included with my statement, says that no interest would be applied to any new total balance generated from month-to-month if its paid off within the grace period. The Bank Of America customer service representative my statement with the new charges, resulted in a new total balance, and it meant that I would have to pay off that new total balance. This goes against the point of having a balance transfer and the availability of a credit line to make purchases and pay those purchases off. in essence, Bank Of America saying if you have a balance transfer and you make any new purchases, even if you pay those purchases off before the due date, you will still be charged on those new purchases because your new total now includes the balance transfer. 
This is a deceptive and manipulative practice for taking advantage of customers trying to follow the rules and do the right thing.