davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services (LA)

Enclosed you will find your abandoned paperwork alleging that BYL SERVICES, Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for I XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and BYL SERVICESare authorized to administrate ( acting trustee ) on I XXXX XXXX, together with a certified copies of signatures contract between you and I XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I, XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I, XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your Attorney.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I previously held a capital one 360 checking account, that was closed for overdrAft of $ XXXX. Unbeknownst to me, I had my PPP funding loan deposited into the account despite the account being closed. Now capital one has the funds on hold and hasnt returned them to the lender so that they may be redistributed. I havent gotten no answer or response from capital one to date about returning the funds to the lender.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

A business partner in XXXX sent XXXX to the wrong account at Chase Bank on XX/XX/2002 We have tried to have the wire recalled but Chase has not confirmed with the recieivng party the mistake. I have taked to XXXX people at chase who offer no solution. the bank in XXXX ahs tried to recall the money but Chase does not respond. Can you help me straighten this mess out. Have hire an attorney to help Identify the receiving party so we can conact them I have all the trannsfer information and chase ahs a record of all the secure mesage we exchanged thank you XXXX XXXX
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I went to use my Walmart XXXX card and was declined and was contacted by XXXX XXXX the account was closed. When I called a representative from XXXX told me they closed the account for 1 missed payment which was supposed to be automatically taken out of my bank account and wasn't. Now they want me to apply for their capital one card this way they can effect my credit score twice. maybe since my account was closed and will effect my credit score I will leave the card closed, contact Walmart and let them know I will not shop there anymore.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. Transunion and XXXX are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( XXXX, Transunion and XXXX ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.
Consumer complaint received 2023-05-10
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-26
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: CITIBANK, N.A. (MA)

This is inaccurate. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX And so with this, the late remarks started 120 days. 

XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 120 XXXX  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 150 XXXX
Consumer complaint received 2024-11-04
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. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2019-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is inaccurate. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX And so with this, the late remarks started 120 days. 

XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 120 XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 150 XXXX
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I set up automatic notifications when my credit card is due and I am not receiving them. Im getting a fee every month and Bank of America will not reverse fee. 
I called them several time but they are not helping me.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (PA)

Around XXXX, my Bank checking account was unexpectedly put on hold without any explanation or prior notice. This hold completely restricted my access to my account, preventing me from performing essential actions such as external transfers, XXXX transactions, and using my debit card for payments. 

It is important to note that my account was in good standing, with no suspicious or unusual transactions at the time the hold was placed. Despite this, I have been unable to resolve the issue. 

I contacted Bank customer service multiple times seeking assistance. However, each representative I spoke with transferred me to a different department, claiming the matter was not within their responsibility. When I was finally directed to what was supposed to be the correct department, my calls were left not answered. 

This experience has been extremely frustrating and has caused significant inconvenience, as I have been unable to access my own funds for daily expenses and payments. I am filing this complaint to request immediate resolution of the issue and an explanation for why my account was placed on hold in the first place.
Consumer complaint received 2021-01-20
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. (CA)

I have disputed information on my Experian credit report multiple times and it continues to stay. XXXX XXXX XXXX  account is reporting 120 days late. XXXX XXXX  provided me an affidavit that they would correct their reporting and remove the 120 day late in XXXX of XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with Experian while providing the affidavit and twice now they are continuing to report inaccurate information.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a letter to all three reporting agencies to reconcile my report. Since my last communication, I have waited 30 days for a response and at this time I can't get my current score or report. My main concern is that the bankruptcy from XXXX is still present on the credit report as well. I have sent copies of a letter from the Eastern District bankruptcy court in XXXX WI stating that this information was not supplied by them to any reporting agency. I have since asked the reporting agencies to submit the following. 

Please verify that this public record is reporting completely and accurately please verify that the complete and full court name is reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition dates, filed date, pay date and settle date. If you are unable to verify any of the information requested remove this bankruptcy immediately all dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.
Consumer complaint received 2023-05-10
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. (NV)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, XXXX AND EQUIFAX ARE reporting late payments on multiple accounts ( XXXX XXXX XXXXXXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX AND EQUIFAX OR XXXX XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

XXXX, EQUIFAX, XXXX AND XXXX XXXX ARE IN VIOLATION OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (PA)

Syncb is suing me in court for an disputed debt that has not been validated as to be mine. The debt has been disputed and legal action was their first form of communication regards to this allege debt.. My personal information was sold and brought in efforts to collect a debt for profit and gain. I have never a signed an agreement or contract with Synccb. 

Pursuant to ( 15 USC 1692 ( k ) ) states any debt collector who brings on any legal activity must have a signed contract or agreement in which you are suing the consumer for. You are not authorized to bring forth any legal actions against me regarding an allege debt. Any debt collector who fails to comply with any provision of this subchapter in 15 UCS 1692 with respect to any person is liable to such person in an amount equal to the sum of nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

USC 15 1692 ( e ) States a debt collector may not use any false, deceptive, or misleading representation or any means in connection with the collection of any debt. The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
The false representation ofthe character, amount, or legal status of any debt ; or any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

Their attorney communicated with me in court and stated that I had to pay their allege debt or go back to court. My rights to privacy has been violated for this debt and has become a public matter. This company willfully took action to enforce liability on me. 

This has affected my credit worthiness, ratings and reputation and has caused physical, emotional damage.
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am seeking help to whoever can help me with my credit problem, There are several items on my report that I don't have knowledge of and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is a violation of the consumer rights. Please delete those negative items so i dont have to spend for taking legal action. TY
Consumer complaint received 2022-10-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2019-12-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (FL)

Recently the commonwealth financial group has falsely reported my address the credit bureas as XXXX XXXX XXXX XXXX XXXX FL XXXX which is XXXX XXXX  and is on my my credit report to destroy my reputation. I want this remove immediately and will be obtaining legal counsel if not. The is an act of fraud and must be deal with accordingly.
Consumer complaint received 2021-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX I sold my home that was financed by Wells Fargo Home Mortgage. Starting late XXXX into XXXX, I received numerous calls inquiring about the XXXX and XXXX mortgage payments on the property that was sold. I contacted the closing attorney/title office and they provided me with the payoff quote they received from Wells Fargo Home Mortgage in XX/XX/XXXX that was good through XX/XX/XXXX and a copy of the payoff Information ( Wells Fargo acct no, XXXX #, loan acct #, etc ) that was wired to Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX after receiving another call requesting payment for XXXX & XXXX payment, I requested to speak to the payoff dept. The payoff department reiterated they had not received payment and would open a work order to investigate. I provided the closing attorney information and case no XXXX was created. I was told the investigation would be complete by XX/XX/XXXX. On XX/XX/XXXX a late payment of {$710.00} was added to my credit report by Wells Fargo Home Mortgage. On XX/XX/XXXX I received a call asking about the XXXX and XXXX payments and I asked what was the status of case # XXXX that was opened on XX/XX/XXXX. I was transferred 3 times until landing with a rep by the name of XXXX who I quickly informed that I was irritated and needed answers. I spent 1 hour and 4 mins on the phone before obtaining that Wells Fargo received payment on XX/XX/XXXX however the payment was short {$400.00} due to a tax payment disbursement on XX/XX/XXXX. I was told they would be contacting the closing attorney regarding the shortage. I asked when I would receive a follow up call and I was told they did not know. I asked to be warmly transferred to the Payoff Dept so I didnt have to repeat myself. However, when XXXX placed me on hold and came back, she stated that group only took payments. In other words, the payoff department did not want to speak with me, the customer. I want the following questions answered by Wells Fargo : 1- Why did it take a XXXX 3 weeks to post? 
2- Why am I getting calls to pay the XXXX and XXXX mortgage payment if the payoff amount was only short {$400.00}? 
3- Why didnt the payoff quote provided by Wells Fargo in XXXX take into consideration the tax payment? They have been getting a tax bill for 18 years. 
4- Why havent they contacted me or the closing attorney about the tax shortage? 
5- Why was a late payment added to my credit report in the amount of {$710.00} on XX/XX/XXXX if the payoff amount was only short {$400.00}? Do you know how difficult it is to have a good credit score to only be dropped significantly because someone failed to do their job?!!! 
6- Will Wells Fargo correct the error they placed on my credit report? And how long will it take my credit score to recover? 

This entire process has opened my eyes to process improvements so needed in the financial industry particularly Wells Fargo. As it appears they are always in the media for some type of banking irregularity. I appreciate a thorough review and reply. 

XXXX XXXX
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 over 30 Days now when I submitted the letter and documents for an unknown and inaccurate account. I was a victim of an XXXX  data breach. Immediately delete those accounts or I will file litigation.