davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (TX)

I have been a customer with this bank for years and for the most part I have not had any problems, until recently. I began reviewing my account statements after I received a notice that my account was over drafted over {$700.00}. I will be honest in saying that I have unintentionally over drafted my account in the past and have been able to bring my account in the positive within a reasonable amount of time. When I reviewed my statements, I started by reviewing the balance and charges from XXXX until recently. I would subtract the charges shown from the balance provided on my statements. Often times when I was charged an overdraft fee, there would still be available funds in the account. I have been charged {$36.00} overdraft fees for charges well under {$5.00}, the smallest being a {$0.00}. I know difference between an available balance and posted balance, still according to my research, a lot of the overdraft fees I was charged was done in error. The way BB & T explains how they process payments and the difference between an available balance and posted balance seems very deceptive. Based on the numerous complaints I have reviewed, I am not the first customer to have this problem. My account is utilized for various reasons and BB & T has put me in great financial trouble with other institutions I pay using the funds that are deposited in this account. I contacted the customer number XXXX to resolve this, both times the line disconnected. I only decided to submit this complaint as a last resort when I checked my bank statement to find out I was charged {$4.00} for contacting the customer service number in order to resolve my problem. I would like to remain a customer with this bank, but I do not agree with how I have been treated and taken advantage of.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2024-08-28
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. (AL)

XXXX XXXX XXXX XXXX CO XXXX CAPI/NEIMAN XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX CO XXXX XXXX CAPITAL XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX XXXXXX/XX/XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX {$250.00} XX/XX/XXXXXXXX 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 XXXX3
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

i find it extremely unfair that I am being subjected to such actions without any prior warning or opportunity to address any potential misunderstandings. 

This situation is not only distressing but also damaging to my reputation. I kindly request an immediate review of my account and a prompt rectification of this error.
Consumer complaint received 2024-08-30
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. (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 : TRUIST Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-08-30
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. (NY)

To Whom It May Concern, This letter serves as a formal demand for immediate action regarding the severe breach of my personal information, including the compromise of my Social Security number, which has resulted in a data breach and identity theft. This situation is not only alarming but also legally indefensible. I have already reported this crime to the Federal Trade Commission, and a copy of my FTC Report is enclosed with this correspondence. As you know, under 15 USC 1681c-2 ( c ) ( a ), your agency is legally obligated to act immediately upon receiving an identity theft complaint. This statute unequivocally mandates that you block and remove all fraudulent information from my credit report within four business days. I have provided all the necessary documentation to substantiate my claim, and I expect full compliance without delay. 

XXXX XXXX XXXX XXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX  XXXX - XXXX Your agency is in violation! 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 an 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. Delete this at once! 

XXXX XXXX  XXXX. - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.
Consumer complaint received 2015-05-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

I have XXXX sub-prime loans with Wells Fargo Bank. XXXX loan that I owe I have been paying. The other loan which I believe is fraudulent is behind in payments. Wells Fargo has sent an intent for foreclose based on the loan that is behind in payments. I understand that but they also have reported the loan that is not past due in foreclosure and added additional charges to my last XXXX statements based on their procedures to foreclose. They have also reported my account that is up to date and current past due. The additional charges they have place on my loan that was current have cause the interest payments at 8.6 % daily to increase making the amounts I submit for payment less on my loan and more in fees and interest. Can they do this on a seperate loan and still charge me fees on the one that is past due. Since I have asked the numerous time to combine the loans and they refused - seems strange to me how they can put charges from XXXX account on to a seperate account if they are not connected?
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX, XXXX, and Equifax credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ). XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (FL)

Im in disagreement with the account listed below which sill appears on my credit report, even after your investigation. I would like this item immediately Re-investigated. The inaccuracies are highly injurious to my credit score Account name : XXXX Account number:XXXX In accordance with the fair credit reporting Act, Public law 91-506, Title VI, Section 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an update copy of my credit report after your reinvestigation
Consumer complaint received 2024-08-30
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. (TN)

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 and 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was shocked this morning to find inaccurate accounts on my credit report and have no idea how they got there. I routinely check my report, but this time, I found discrepancies that appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts were still there after I refreshed. Because of this, Im requesting that the documents Ive sent be thoroughly reviewed so I can stop worrying about this happening again.
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Certified Recovery Inc (MN)

Certified Recovery is reporting to my credit that the last date of activity on this account was XXXX/XXXX/15 which is in error and is a violation of the CFPB. Please have this account deleted because of their error and violation of law.
Consumer complaint received 2015-12-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I made a deposit in my savings account at a Navy Federal Credit Union ATM. I went to withdraw some money from my account a few days later at the ATM and the transaction was denied. The receipt read, " do not honor. '' So, I called the credit union to find out what was going on. I was told by customer service that after reviewing my account, nothing was wrong. Later, I attempted to make a withdrawal again and the transaction was denied again. I called back to customer service a second time. I was told that my account was frozen because of fraud. I had to ask what felt like 10 times, what fraud had occurred exactly? Only after becoming irate, I was told that a {$1700.00} deposit was the issue. Last time I checked, I 'm free to deposit and withdraw MY money as I see fit. Since when did deposits become fraudelent??? The rep. tried to dismiss me by saying the individual who had done this to my account was off so, nothing could be done. I escalated the situation to a manager who refused to give unique identifiable information about herself, like her name. She told me I needed to go to a branch to show identification. I told her I WILL NOT be doing that. She thought she could remedy the situation by rationing my own money to me and offering to XXXX XXXX me {$500.00}. I vehemently declined. I told her what she could do was remove whatever block is on my account so I can access MY funds the way I see fit because there is nothing fraudulent about a {$1700.00} deposit that was made at an NFCU branch ATM WITH a card AND pin # that I am confirming I completed! She refused. In another attempt to resolve this matter, I called back to speak with someone from the board and all that information was denied. At this point, I have been unable to access my money for almost a month, which has forced me to have to borrow cash to cover the basic necessities of life. If this is not resolved expeditiously, I will file a lawsuit.
Consumer complaint received 2015-09-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/15, I lost my debit card and a single check. I went to the bank and filed a lost/stolen card, and set up a new bank account. I went through all the charges that were bad, and disputed them. I also advised other charges that were previously authorized, that I recognized. One of them being a payment for {$180.00}, and advised that was for one of my bills. The bank acknowledged that and also again acknowledged that on XXXX/XXXX/2015, when they followed up with me. I later find out that they reversed the payment, because they mistakenly considered apart of the dispute. This reversal caused my account with XXXX to be suspended because of non-payment. I had a payment arrangement and because the bank reversed the payment without my knowledge, I am now required to pay the full amount, and I ca n't pay that, hence the reason for the payment plan. I reached out to the bank today, I was on hold for over 40 minutes while they were " researching '' the issues, and the best they could come up with is provide me with a letter of apology to me and XXXX.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (ID)

My Venmo account was suspended with no reason given. They asked for photo ID and a password change, which I completed. They wont answer when I ask why and their only response is they decided to permanently restrict my account. There is no suspicious activity and no reason for the suspension.
Consumer complaint received 2024-09-28
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I disputed this debt with IQ DATA INTERNATIONAL in XXXX I sent them Letters asking them to prove that they are the original holders of the debt they have yet to provide and its been ongoing for almost for XXXX yrs and also if they did prove that the debt is mines they updated to look as if they put on my credit report in XXXX so they are also falsifying information. I want this removed my credit immediately for they are committing fraud and refusing to send me the information that I am asking for when I sent them a letter back in XXXX and once it was removed off my credit they fraudulently added it back to my credit without my knowledge and I am now looking into legal counsel to potentially sue IQ DATA INTERNATIONAL for fraudulent information thats damaging my credit report and XXXX as well for not taking this issue and matter very serious.
Consumer complaint received 2015-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (IL)

My wife is a XXXX immigrant with permanent legal status, but limited XXXX language skills. Upon moving her small business in XXXX of XXXX she contacted XXXX XXXX for phone and internet services. For sometime she received reasonable bills in the amount of {$50.00} or so per month. Then suddenly, the amount of the bills more than doubled. By that time we had met and married and, as her husband, I made contact with XXXX to inquire. 

I was told that she had contracted for an offer which included discounts which had run out. I found that she supposedly agreed to a business plan with high speed enhanced internet service. Much more than a XXXX person sewing and alteration shop would ever need. I requested that the agreement be cancelled and was told that she would be billed for the discounts and she began to be dunned for amounts over {$1000.00} and up to nearly {$1700.00}. 

When she moved the business again and sought phone and internet service from another provider, XXXX XXXX blocked the transfer of her business phone number. Working with the Illinois XXXX XXXX and the Illinois Attorney General 's office we finally got the number transferred. 

In XXXX of XXXX ( the notice does not have a date of mailing ) we received a notice that the debt had been referred to EOS CCA of XXXX, New York, XXXX. I sent a letter of dispute on XX/XX/XXXX.In the letter I requested a copy of the agreement my wife had signed. XXXX XXXX had at XXXX point told me the contract may have been done over the phone, but they have not produced a tape of the verbal contract either. I was told by a representative of the XXXX that they often heard of complaints with XXXX in which the recorded agreement could not be produced. 

The collection agency nka EOS XXXX, sent a letter dated XXXX XXXX, XXXX in an envelope with a postmark of XXXX XXXX. I received the letter in the mail on XXXX XXXX. 

The letter says " EOS CCA has received your dispute. As part of our reasonable investigation, we have sent our client a request to obtain an itemized bill ... '' It makes no mention of our request for a signed contract. 

I have spent hours on the phone and writing letters in the attempt to bring this matter to a conclusion. I am nearing the point of seeking compensation for my time and the damage done to my wife 's credit and reputation. 

We have copies of correspondence with XXXX XXXX, the XXXX and EOS CCA ( and EOS XXXX ). 

Thank you.