davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

There is an account on my credit report that I do not owe. When I received an alert from XXXX, I immediately contacted the account holder ( Allied ) and I requested more information about the debt ( i.e. what the debt was for, whey they thought I owed it, and itemized statement proving the amount they thought I owed was accurate and a contract or agreement showing that I agreed to pay the debt ). Once Allied told me what the debt was for I explained to them that I did not owe the debt as I had lived in my own home for years. Allied told me they were going to look into the issue for me but this was over a year ago and nothing has been done to remove the item from my credit report and they have not provided me the information I requested from them either.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

First problem was resolved with me reporting my Reliacard stolen. Now having problems getting thru to a realrep due to calls being frauded. Reps don't know infor. At hey should know. 
Told by last rep that my self is I needed to send online was under review. Now told that it was never received. Reps not on dame page with responses. Don't know if talking to real rep. My act is inactive due to this. Unable to afford to update my PA ID with my PUA benefit on card I don't have! Had to send expired PA ID.
Consumer complaint received 2020-12-28
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. (VA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have been working on fixing errors in my credit report from XX/XX/2020. I have been having a really had time with the response times from the three major credit bureaus Equifax, XXXX  and XXXX. I have asked for validation for several accounts that are reporting with errors on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have sent a total of 4 letters to each bureau dating XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20 I was under the impression that the bureaus have 30 days to respond it has been 4 months with no response from the bureaus. I would like to resolve this matter as soon as possible.
Consumer complaint received 2020-12-28
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. (TX)

On XX/XX/XXXX, $ XXXX ( XXXX XXXX ) I was notified by text alert to log into my Experian account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By XXXX XXXX. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call Experian on XX/XX/XXXX and was given the number to XXXX XXXX at ph # XXXX. XXXX didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. XXXX XXXX stated they were sending the account back to the agency. I ask them for a name, phone, and address but, XXXX XXXX REFUSED TO GIVE ME THAT INFORMATION. XXXX stated I need to submit once again the police report from orginal filed in XXXX with XXXX breach which XXXX just adding. I was told my Experian that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone department ...
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

I sent XXXX $ From Goldman Sachs USA to XXXX on XX/XX/20 and they emailed me stating it was completed but when I called to find it they told me it would be 3 Days. 
I still havent seen the funds
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Opened a business checking account on XXXX XXXX with Citizen 's bank were told the funds would become available in 5 days. called on XX/XX/XXXX to find out if the Funds are Available was told XX/XX/XXXX, I wrote out check on the XXXX for it to come back and bounce on personal account. Tried many times to find out what was going on Called the bank were the check was drawn from they informed me the funds were paid to Citizen 's Bank on the XXXX. As of today XX/XX/2020 Funds still not released and now I am negative on my personal account.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Closed three accounts with Bank of America on XXXX XX/XX/XXXX due to poor service and deceptive practice for overdraft protection which was charged to an XXXX XXXX XXXX credit card and then billed fees for cash advance. 

Called and closed checking, savings and Credit card. Bank told me to wait ten days for clearance of any or all charges. Sent me a refund check for savings and checking balances on XXXX XX/XX/XXXX. 

The reason I closed account was for overdraft charges to credit card and fees on XXXX XXXX and XXXX XX/XX/XXXX. The total was around {$260.00}. They never subtracted those fees, closed my accounts and on XXXX XX/XX/XXXX received an alert of delinquent account. 

Spoke with several Departments at BOA and each kept bouncing nme back and forth saying they can not help other department needs to help. Just paid so they would keep from ruining my 780+ credit score. Final call was escuse fronm Checking saying they can not see credit account and that is why they did not clear my charges before refunding my money. Spent at least 6 hours trying to get this straingt and still don't understand why BOA accounts don't interact with each other.
Consumer complaint received 2020-12-28
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC (LA)

Currently, I've been receiving calls from NewRez to collect a debt. My problem began with Ditech. According to NewRez, payments of around {$1600.00} to Ditech were sent to escrow and not toward my mortgage payments. Ditech went bankrupt and I've received numerous calls from NewRez/Shellpoint for payments. I was told that this happened around XXXX-XXXX. Because of this, I've been behind in payments. In the latest phone call, I was told by NewRez that there was nothing that they could do. I'm the one who, however, is caught in the middle and it appears that I can not recover those payments that I made to Ditech. I still make payments every month, but that doesn't successfully stop the calls. I've shared with NewRez that I get paid once a month so I could only pay them after I get paid.
Consumer complaint received 2020-12-28
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: Penn Credit Corporation (OH)

On XX/XX/XXXX a derogatory mark was added on my credit report per XXXX XXXX from PENN CREDIT CORPORATION and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. Additionally, On XX/XX/XXXX I spoke with a Penn Credit Rep XXXX XXXX ( Agent I.D XXXX ) and verbally requested a debt validation letter with my signature to be sent to the address on file. XXXX stated 6 times that wasn't a option that Penn Credit Corp can not offer me. Since Penn Credit failure to respond to my verbal and written request to validate this alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract-any and all accounts you posted on a credit report. I believe this is a direct violation of my consumer rights and I'm requesting this collection to be deleted from XXXX and XXXX credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.
Consumer complaint received 2020-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My complaints involves not being able to get contact with the second tier level customer service representative to help me get my account unfrozen since about 3 weeks ago. Initially I complained in mid XXXX about a {$600.00} charge to my unemployment that I did not make myself. So I was sent a replacement card and the former cancelled. Then about 2 weeks ago I try to pay my rent and my card was declined. I was told to call EDD to verify funds were still goin 2 account and afterwards notify BofA of said approval. And they were. Bof A then told me that my account was under investigation and frozen until they conclude their end of this ordeal. As it stands today I'm still without funds to survive. Then every time I get on the phone I'm either met with the runaround or just disconnected from the phone all together after waiting several several minutes to hours. I just want to get my account unfrozen so I have access to my money and I can pay for my basic needs i.e. food and rent. I was initially told at first 24 to 48 hours by a representative and then it turned into several weeks that I was told to potentially wait to get my account unfrozen. if you could assist I appreciate that thank you
Consumer complaint received 2020-12-28
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. (TX)

I have a couple of accounts being reported on Equifax that I have already asked to verify on multiple occasions because they are not reporting complete account information. 
There is no Collection Company Name Original Creditor Name No Contact Information So how are these accounts even validated? 
I have sent in a I have asked according to my right within the FDCPA Laws for a debt validation and still have not received anything. I am disputing these accounts and because the information being reported is incorrect and insufficient these accounts should be removed from my report immediately! These derogatory accounts are hurting my creditworthiness. 

Account XXXX Account XXXX
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (AL)

I have inquiries that I do not recognize on my credit report. 

XXXX : XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX : -Ally Finance Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal is reporting a closed credit card account on my credit profile that I was an Authorized User. The account is negatively impacted my credit, which is unfair because I was not responsible for this debt as an authorized user.
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Social Finance, Inc. (MN)

I have been unable to close my account Crypto Currency/Brokerage  account because it has a {$.00} Crypto Currency balance which is below the minimum SoFi requires initiate a trade. I entered an order to " Sell All '' my Crypto Currency balance on XX/XX/2020 but SoFi completed the transaction leaving my account with a {$.00} balance. I have requested that SoFi close my account on three separate occasions but they have not closed my account because of the miniscule balance. 

My most recent request to close the account was on XX/XX/2020. On a prior attempt to close my account SoFi replied ; We are not able to close the Crypto account due to the small balance. Since this is below the minimum needed to sell ( {$10.00} ), we have to work on a solution. Sorry for the inconvenience.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I recently completed a refinance of my home and through this process was able to payoff all of my credit cards. I was very excited to have every single one of my credit cards paid off but as soon as I had paid off my balances, Capital One immediately lowered my credit limit. I was really confused as to why this adverse action was taken and when I called to find out why I was told that I was reported late on my account. I don't understand how a late payment can occur when the balance has already been paid off?? 

I was on the phone with Capital One throughout the process of my refinance and advised each representative that I spoke to that my account would be getting paid off soon. 
Each time I spoke with an agent I was told that everything was fine and that there wasn't anything that I needed to do and that my account was noted. If I was late, why did I not receive any phone calls or statements advising that I was late or requesting a minimum payment? I'm really disappointed that Captial One never offered me any kind of payment forbearance or deferment to help prevent any negative activity on my accounts especially after I made every effort to keep them in the loop. Now everyone 's paid off but I have a XXXX  credit score? This is not right at all!
Consumer complaint received 2020-12-28
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. (MD)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX I have filed a report with XXXX about the improper use of my credit report. I have filled a dispute on all late charges and negative inquires on paid off and closed accounts resulting in lowering of my credit scores, even though I have made consistent payments. I have had several cards replaced after being stolen and I believe these negative reports are in violation. 

In accordance to the Fair Credit Reporting Act, these creditors have violated my rights under USC 1681 section 602, it states I have the right to privacy, under 15 USC 1681 section 604- ( a ) section 2, it also states an agency can not furnish an account without my written instructions. Under 15 USCS 1666 ( b ), a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for purposes. And FCRA section 605 ( b ) ( 15 USC 1681 c-2 ), notification. a consumer reporting agency shall promptly notify the furnisher or information subsection ( a ) of this section.
Consumer complaint received 2020-12-28
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. (TX)

XXXX {$50.00} i ask to deleted this fraud account no method giving XXXX  XXXX  {$120.00} I ask for method of action for this account nothing giving XXXX  XXXX XXXX {$560.00} I ask for method of method of this fraud account XXXX XXXX XXXX {$82.00} I ask for method of this account nothing giving XXXX XXXX XXXX XXXX {$1600.00} I ask for info never was giving fraud XXXX XXXX XXXX  XXXX {$5700.00} I ask about this fraud account nothing giving
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX Bank of America sent me a notice that they transferred {$460.00} from my account ending in XXXX and applied it to a negative balance I have in an account ending in XXXX. Problem is, I don't have another account with BOA. I discovered that my partner, whom I added to my account, making it a joint account, is the owner of that XXXX  account ending in XXXX with BOA. My partner was charged fees amount to that total {$460.00}. Is it legal for BOA to access my account, ending in XXXX a joint account, because my partner 's name is on the account without my approval. This is my money. I knew nothing of that other account. I think that's encroachment on the bank 's part.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MI)

I Had a credit card Flexperks US bank card XXXX had been up to date with all payments .Suddenly for no obvious reason the US bank canceled my credit card as far as I am aware I had paid all arrears till then, After a few months they reported there was a XXXX dollar balance on the card and started charging interest which accumulated to XXXX dollars ( including capital ) .They also appear to have reported me to credit agencies tarnishing my hitherto clean record.Though I disputed this unilateral and arrogant actions of this bank they claim they are allowed to take such actions without any reason.More than the money it is the smearing of my name and credit history which is surprising considering I was an excellent customer
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc (MT)

This is my second complaint against Puget Sound Collections. The attached judgement was filed on XX/XX/13, which is the past seven year mark for collections. This company can not collect this amount and it can not be reported to any credit bureau due to the age of the debt. 

This is the last warning to Puget Sound Collections, they will remoive this negative item from all three credit reports, and will not re-report or attempt to contact me in any way, written or by telephone. The judgement is off the credit reports due to age as well.