davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NBT BANCORP INC. (NY)

XX/XX/year> I was charged {$750.00} on my debit card online for XXXX tickets to a basketball game in Arizona. I live in NY. This transaction was not authorized by me and my debit card information was compromised. 
I immediately disabled my card and reported it to my bank. They submitted the transaction for dispute. My bank ( XXXX ) gave me provisional funds to cover the transaction while the dispute took place. 
I contacted XXXX and they said they escalated the transaction to their security team. They asked for information I wasn't comfortable providing. I asked my bank if I should provide this information and they said I should not. 
I asked both my bank and XXXX to stop the transaction while it was pending. They both said they could not and I'll have to wait until it has been taken from my account. 
XX/XX/year> I received a letter from NBT Bank stating that they have determined the transaction was authorized and the provisional funds will be revoked on XX/XX/year>. 
XX/XX/year> approximately XXXX I sent an email to XXXX requesting documents supporting the determination of the dispute.
Consumer complaint received 2022-11-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and removed.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

These accounts have violated my rights ; 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 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (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 informationisinaccurate.
Consumer complaint received 2022-10-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NM)

Made complaint XXXX XX/XX/XXXX on mortgage company XXXX has a service rating of exceptional poor or one star. There have been class action on their escrow service and failure to pay insurance. 
My complaint logged XX/XX/XXXX about their escrow account reimbursing home owner insurance before a proper audit was conducted in XXXX. The reimbursement was sent to me in XXXX. Which then caused a shortage and a proposed increase on the mortgage payment from {$1300.00} to {$1500.00}. I paid my county taxes had sent the mortgage payment of XXXX for XXXX payment which they received. I called XX/XX/XXXX to tell them the county taxes were paid XXXX and that I was dropping the mortgage to just mortgage and principal which comes to {$1000.00} for XX/XX/XXXX. I was told that there was a minus XXXX on the escrow account which didnt make sense seeing that the payment coupon sent for XXXX didnt not show a negative balance but a balance ( XXXX ). 
I had a heated exchange with the company and stated that there was no way it was short especially have the recent they received. The stated it is in suspension balance because the payment of XXXX wasnt received and that a late payment will be applied after the XXXX of XX/XX/XXXX. 
I was told until the escrow account is on a positive balance then it will sit in suspension even after they had received the XXXX payment. I had given them the county tax account number XXXX and receipt number XXXX to show the taxes were paid. 
I didnt enter into a mortgage agreement with Pennymac it was assumed shortly after XXXX XXXX signed it with me. My first dealings was XXXX of last year with Pennymac by constant phone calls which I dont take because of my XXXX issues. I finally relented and called to see why the were calling and blowing up my phone. They stated that my mortgage payment had gone up in XX/XX/XXXX and that it was sitting in suspension and wanted almost a XXXX dollars increase to the payment. They said that they would take it over the phone to make the payment current. I asked for the address and asked why I had not been notified in writing, they stated all correspondence had been sent back. I told them I had not sent it back then asked for the address for which the sent correspondence. It turned out it was my physical address which I dont receive mail at but all correspondence goes to a XXXX XXXX XXXX I sent them a check for the amount requested but they still made a 30 late payment on the credit report even tho I have my bank electronically transfer money from my account and check mailed to their address. Now this mess again and I dont trust their accounting seeing it was their improper audit that screwed up the escrow account.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (AZ)

I Have Previously Resolved A Dispute Regarding fraud perpetrated against My Target XXXX XXXX. This Resolved Problem has now returned in my current billing statements. I Did Not Make these purchases. I Had A Prior Balance That Had Been Settled On. And I have recently spoken with XXXX from their fraud department. Her attitude was uncaring, firstly. A Massive American Retail Outlet Should Be Concerned On Behalf Of It's Patrons. I have been a victim of fraud : Then I Stated And Succeeded In My Defense and I Have Evidence In The Form Of statements issued by the company That Adjusted My Balance Appropriately and also several statements that show 4 different balances all sent within a 2 week period. I Also Have Payment Receipts And I Would Sincerely Appreciate Knowing The Origin Of these spirulous charges and newly inked illegments ( past or present ). As I Have Not Used their XXXX XXXX since XXXX of this year. Please Help. Thank You Very Much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

Funds were deposited by SSA on XX/XX/23 ( and ongoing months, twice a month ) and received. Then bank began stating that I had overdrafts even though this did not happen. They withdrew my {$910.00} and only returned {$860.00} of the funds. On XX/XX/23 I paid a bill for {$50.00} and it was authorized on XX/XX/23. The bank then stated on XX/XX/23 that the bill was paid and but {$54.00} was taken from my account. 

Then, when I made a claim on the {$910.00} with the bank ( customer service in the XXXX answered ) I was told that I had withdrawn {$260.00} and {$640.00}, but I had not done this. I stated a claim to a different customer service representative and he said he would put the claim through for me. Then, the money was returned to my bank account ( {$860.00}, not the full {$910.00} ) and that he was going to close the claim now. I still have not received the full amount back in my account. 

The bank also claimed that I withdrew my funds from an ATM, which I did not do, I went into a physical bank location to make the withdraw. 

Claim ID # XXXX
Consumer complaint received 2022-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Collection Services, LLC (NY)

I owed a debt of {$110.00} from XXXX XXXX XXXX ( as per XX/XX/XXXX statement ) that I paid off in XX/XX/XXXX. I spoke with a representative from the company who processed my payment and sent me an email at XXXX with confirmed payment/receipt. I received one or two calls from the debt collection agency Receivable Collection Services , LLC ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) stating that I owed the debt. I then called the PT company once more to confirm that the payment was made and they stated that they will escalate to management because it was still coming up. Receivable Collection Services then called me again and left a voicemail and I called them back. 

I called the office on XX/XX/XXXX at XXXX ( and spoke until XXXX ) to a debt collector named XXXX. I explained that the debt was already paid. She confirmed after looking through her records that, in verbatim, the " collection agency has received the payment of {$110.00} and will be posted and closed today. '' However, I received another called on XX/XX/XXXX at XXXX from a debt collector named XXXX who left a voicenote stating that he is calling to collect a debt. I called back at XXXX and spoke with him until XXXX. Similarly, he confirmed that after looking through records that the debt was already paid and that he is unsure why it is still showing up. He stated that he " will escalate to management and get it sorted out with XXXX XXXX XXXX ''. I stated that I can send the receipt from the company I owed as needed, and also asked if I can be provided with a confirmation email. XXXX stated that, " he can not send an email but will send a follow up call regarding the status ''. 

It is XX/XX/XXXX and I have not heard from the collection agency. However, I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX, the Director from the agency, stating that the debt still continued to be owed. This has led me to file a complaint due to the lack of communication between the company and debt agency in resolving this case, after speaking with two debt collectors who confirmed the payment was made, and also having a paid confirmation receipt/letter.
Consumer complaint received 2024-09-21
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. (MA)

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear XXXX XXXX EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payment to be paid on time immediately.

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Consumer complaint received 2022-09-01
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. (CO)

Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise Experian was reporting FALSE INACCURATE information to my consumer report by marking an account in collections as " open '' and by having inaccurate balances. I disputed This inaccurate information with Experian nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and Experian is currently RE-AGING this account which is a violation of FCRA sec.605. On XX/XX/2022 They responded by " UPDATING '' the account and balance instead of removing it. THIS IS FRAUDULENT AND ILLAGAL UNLESS EXPERIAN CAN SUMBIT MY PAYMENTS RECIPTS FOR THIS ACCOUNT. PLEASE REVIEW MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE EXPERIAN HAS NOT VALIDATED THIS ACCOUNT AND HAS BEEN VIOLATING MY RIGHTS UNER FCRA SEC. 605 RE-AGING DEBT! I AM ENTITLED TO A 100 % ACCURATE REPORT AND THIS IS FALSE
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

Hello! 

This issue is in relation to the handling of my federal student loan refunds. On XX/XX/XXXX, I called Aidvantage to request a refund on all my loan payments since XX/XX/2020. 

The total of these six payments was verified with the representative to be {$2700.00} ; and I was told my loan balance will be reinstated and to expect my refund 4-6 weeks later. 

Since then, I have made several calls for a status update. Each time, I have received different answers with no clear resolution and different timelines. 

There has been no movement on my Aidvantage account balance, no update on my Federal Student Aid portal for this account, and no update on my refund status.
Consumer complaint received 2022-09-01
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)

I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit report.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid 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: Synovus Bank (FL)

There is substantial documentation uploaded. Please review. In summary, First Progress has not been responsive in my investigation regarding a former friend ( XXXX XXXX ) somehow getting away with opening a secured line of credit and charging my bank account for it. I never authorized paying {$200.00} to fund her a secure line of credit or the {$39.00} additional payment made on my XXXX XXXX XXXX XXXX account. I have subsequently closed the XXXX checking account ( due to suspected fraud, nevertheless ) ; but it appears that charges were made on XXXX 's behalf from both my XXXX XXXX XXXX XXXX account and my XXXX account. XXXX XXXX is investigating this as well, and I have recently sent a request to XXXX  bank to investigate as well. However, First Progress has not been responsive, and this is a serious manner.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and I have been filing the correct disputes to the credit agencies according to the FCRA. MY disputes are not being filed correctly and the paperwork I attached is not being forwarded. The FTC reports are not going being attached to the disputes. I am not getting copies of the verification process. This is all in violation of the FCRA>
Consumer complaint received 2022-10-17
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: Spring Oaks Capital, LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose. 

XXXX XXXX XXXX XXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX XXXX Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 


XXXX XXXX XXXX XXXX  Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

CLOSED ACCOUNTS XXXX  XXXX Reported balance : {$950.00} Closed XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXX XXXX  XXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft and have been filing disputes with the credit agencies. They are not attaching the paperwork I send according to the FCRA to the disputes I submit and are not sending me copies of the verification process that I request. The people I speak to over the phone don't understand XXXX
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

On XX/XX/2023 I received an email that I signed up for Bank of America online banking. I dont bank with them and havent applied for anything through them. I called to try to get info but they wouldnt give me any information with account or card number that I dont have because I didnt open the account