davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

Had an American Express prepaid card with an original balance of {$20.00}. On its face the card said it was valid till XX/XX/XXXX. Used the card once or twice until the balance declined to {$13.00}. 

Today went to use card and found it has a XXXX  balance as American Express has been charging a {$2.00} a month fee till it ate up the entire {$13.00}. 

THIS OUGHT TO BE DISCLOSED ON THE FRONT OF THE CARD IN BIG LETTERS NOT HIDDEN ON THE BACK OF THE CARD THEFT!
Consumer complaint received 2019-06-04
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: EQUIFAX, INC. (MS)

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX  XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX   and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

I had a USbank Master Card. There was a fraudulent charge made on card on XX/XX/XXXX for {$370.00}. I challenged this by phone and closed account as USbank could not provide many any info on this charge. I did speak to them on the phone about this. On XX/XX/XXXX I received a notice that USbank determined charge was fraudulent. I have received bills from USbank charging me interest and penalty for fraudulent charge. I've gone ahead and paid all charges at end of XXXX just to have them go away, but I continue to receive bills from XXXX. Received one today ( XX/XX/XXXX ) by email.
Consumer complaint received 2022-09-14
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-07-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I have had nothing but trouble from the very beginning since they took over my home loan. I did a home loan modification in XX/XX/XXXX and bank of America received {$22000.00} from FHA. Bank of America needs to understand that this money wasn't to go in their pockets but to catch up my payments that were behind. They refused to show where the money went. Bank Of America was reporting {$4500.00} past due on my statement prior to my bankruptcy and this is what I reported to the bankruptcy court. It was on the mortgage statement which I have proof of. I also didn't have to pay their attorney fee 's when I filed for bankruptcy in XX/XX/XXXX and XX/XX/XXXX. They hired the attorney so why should I have to pay their attorney fee 's for me just filing for bankruptcy. I have to pay my bankruptcy attorney plus their attorney fees. They just don't want anything to be easy on me because I am a single female. And females are mistreated and abused in this country. Since I am the sole breadwinner in my household and having to support my son on top of it. Nothing is easy for a single female. Bank of America is trying to MILK me for all the money i got to pay for my food and other bills. I am getting sick and tired of it. " Why bother to file for a modification " to lower your payment. If by LAW they can raise it to {$560.00} from {$510.00}. They are making my life very difficult to live. One other thing I would like to point out. My bankruptcy lawyer works for me not them which I am paying her. And I shouldn't owe their attorney fees because he is not representing me but Bank Of America! " Just to look over my bankruptcy filing! ''
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SECURITY FINANCE CORP (AL)

I HAVE HAD SEVERAL LOANS WITH SUNBELT CREDIT IN  XXXX   XXXX  GEORGIA  XXXX  THE LAST COUPLE OF YEARS HOWEVER IT HAS NOT BEEN REPORTING ON MY CREDIT SINCE  XXXX  OF LAST YEAR IT SHOWS OPEN WITH A  XXXX  BALANCE AND WHEN I LOG INTO CREDIT SITES IT TELLS ME YOU HAVE AN ACCOUNT THAT HAS NOT BEEN UPDATED AND IS HURTING YOUR CREDIT I HAVE CALLED THE BRACK AND HOME OFFICE FOR MONTHS THEY SAY THEY ARE WORKING ON IT BUT ITS BEEN A YEAR.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-06-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc. (GA)

My information was used to obtain two different loans one from XXXX XXXX and XXXX XXXX XXXX. I have mailed in documentation to the financial institutions denial of financial responsibility forms signed by a notary. The companies have not stopped harassing me and they want me to pay for something associated with fraud. I have requested a contract with a signature that belongs to me and they have yet to produce one whatsoever. I have mailed to them proof that the debt and loan does not belong to me and they have not produced any validation of any agreement that verifies I have any loan or promise to pay XXXX XXXX or XXXX XXXX XXXX any financial responsibility.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I 'm making a complaint against Equifax for their negligence is not removing the inaccurate reporting of these public records. I provided the proof that these are not reporting correctly and/or that they were fraudulently filed. 

Public Records US DIST CT XXXX- I 'm proving the proof that you have a date that does NOT exist reporting on this bankruptcy! You have XXXX/XXXX/XXXX listed as the open date - I notified you of this 6 times now and you have not done anything and are now in violation of the FCRA. In addition to this, I did not give authorization for any party to report this on my credit file in the first place, which is a violation of FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) - see below - and therefore ; it must be removed. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

XXXX - # 1 you have a filing date that does n't exist of XXXX/XXXX/XXXX and # 2 this bankruptcy is NOT MINE! I did not file this bankruptcy or give authorization for this to be filed on my behalf. I also am providing the proof that the accounts listed on this bankruptcy were never on my credit file in the first place! I am including the proof that shows that these signatures are not mine and the accounts listed were never on my credit report and do not belong to me. Remove this immediately. 

FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) : ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ;
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had a checking and savings account along with a line of credit with Bank of America for over 14 years. I fell on hard times at the end of 2019 and ended up making a payment arrangement with BOA to get my credit card caught up. I explained to the rep that based on my payment schedule with work, the first couple of payments would be at the end of the month which would require my payment due date to be adjusted accordingly, which I was told would be done without issue. These pre-scheduled payments were withdrawn from my checking account on the XXXX of the month instead of the XXXX, my original due date. I recently checked my credit reporting to find not only was none of this done, but the account has actually been closed and FIVE MONTHS of late payments were reflected for this account. After speaking with a rep at BOA to explain the issue, I was told there was nothing they could do even though it was THEIR REPRESENTATIVE who gave me misinformation as the woman I spoke with today put it. This is a card that I hardly use and they have given me numerous credit line increases WITHOUT my request to do so over the years, and yet the first time I have any sort of issue, they deem me a risk when this card has been paid satisfactorily for 14 years and close the account with notice to me as the consumer. This seems extremely counter intuitive considering I was still receiving messages for loan and credit offers while this entire mess was still going on.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

On XX/XX/2018 I made a {$560.00} cash deposit ( all $ XXXX ) in the Santander Bank ATM located on XXXX XXXX in XXXX, RI. After accepting the cash the machine flashed a quick error message ( wasn't time to write it down or take a picture ) and returned my ATM card. I immediately called the XXXX number on the back of the card ( while remaining at the ATM ) and was told there was nothing they could do but open a case. I asked that the bank manager phone me first thing in the morning to discuss. After not hearing from the bank manager ( XXXX ) the next day, I called and was told there was nothing she could do for me as it would have to wait until the ATM was settled and that occurred once a week or so and she wasn't able to provide a date as they had no set days/times. She referred me back to the number I called the day before explaining she had nothing to do with the ATMs. I called the number yet again and this time spoke to someone who appeared competent and gave conflicting information to what I had asked before. They deposited the money in the account while they performed their investigation. I received a letter on XX/XX/XXXX dated XX/XX/XXXX in the mail stating the review as complete and there was no proof the error occurred and the funds were taken from my account. I immediately phoned Santander again and placed another dispute regarding this and asked how the investigation was done and didn't really get an answer to my question. I asked if they bothered to pull the video and he noted they don't typically do that but would note in my file I requested the video be reviewed. I was told it would take approximately another 48 business hours for them to issue another temporary credit. I asked that a manager phone me to discuss. It is now XX/XX/XXXX and I have not heard back from the bank and am still out the money. Any assistance you can provide on my behalf or information regarding my rights is greatly appreciated. Thank you for your assistance in this matter.
Consumer complaint received 2020-04-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mobiloans, LLC (AL)

I had recently made an arrangement for a payment plan to pay my outstanding debt over a period of 6 months. My first payment was {$50.00}. I had missed my second payment and was told by the debt collector company that if I were to have another returned payment, that they would press charges for an attempt to defraud. They have since communicated with my family and discussed with them about my payment history with the company and the amount that I owe.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I disputed several items on my credit report with Equifax. The items are not mine. Equifax never sent the results of my disputes. They sent me a letter listing several inquiries that they stated they disputed and that they updated my address. I never disputed the inquires or my address information. Equifax ignored the disputes that I sent. It has been 60 days since my disputes on the Erroneous, inaccurate accounts.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, 2016 I discovered that I was a victim of Identity Theft and filed an Identity Theft Affidavit with the FTC.gov. I gathered my credit reports, ID documents, Police Report, Affidavit and sent them along with a letter indicating that I was the victim of Identity theft to Equifax , XXXX and XXXX. I have NOT receive a response from Equifax or XXXX and the fraudulent accounts and information remain on my credit report. XXXX has removed ALL of the fraudulent information from my report. Equifax has been known in the pas to deny the blocking of Identity Theft information from consumers reports in the past and has had to pay an Oregon woman XXXX dollars in a law suit that Equifax lost for failing to comply with federal law and removing identity theft information from a consumers report. I will be filing a lawsuit against Equifax and XXXX for failing to comply with Federal Laws particularly the FCRA Sec. 605B.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

on XX/XX/XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX I opened XX/XX/XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERAIN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I filed an identity theft report with the ftc as well as a police report. I took said reports and filed them with all three credit bureaus to have fraudulent accounts removed from my credit report. XXXX  has already removed the fraudulent information but Equifax has out right refused to do so stating that their policy is to violate the law and open an investigation instead of removing the information within four days as required. They are also stating that my information on the report doesnt match the identification I provided, which it is a perfect match. 

The accounts in question are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.