davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MI)

On XX/XX/18 I checked the balance on my XXXX XXXX Debit Card and it was substantialy less than I thought it should be. After a customer service representative went over the recent transactions I started the dispute process with them. The most recent charges were to XXXX so I called them and they were able to trace my card to an account that was not mine. I filled out the papert XXXX XXXX sent and yesterday got a letter indicating they found no fraud. Clearly they didnt even investigate. I again contacted XXXX who has provided me a letter that these charges were not made by me. I called XXXX XXXX and was told their decision was final and the claim would not be reopened. This is ridiculous! There are other charges to other companies that I am sure were probably made by the same individual. I have filed a police report but they arent doing anything because XXXX XXXX says the charges were not fraudulent.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

XX/XX/14 {$940.00} I have sent a debt validation letter to Resurgent Capital Services on behalf of XXXX XXXX XXXX. The company sent me a Account Summary Report with no signature. I do not have a signed contract nor any contract with Resurgent Capital Services. I have never done business with this company. I am not liable for the collection from this debt with XXXX XXXX XXXX. I am not responsible for this debt with Resurgent Capital Services. Fraud alert has been placed on my report multiple times. I'm a victim of identity theft and it has played a part in the account from XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX - XX/XX/XXXX - XXXX - XXXX recently requested for this account to be deleted from my credit report due to inaccurate reporting. On one report, it states that my last payment was made on XX/XX/XXXX when the others state XX/XX/XXXX. Also, it reports my XX/XX/XXXX days late as XX/XX/XXXX when my other reports show XXXX. The account continues to update as a balance reported affecting my account as a recent derogatory when the account is closed and inaccurate for payment reporting.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My bank of america checking account has been charged $ XXXX for 14 months since XX/XX/XXXX, due to low account balance at the time. 
I have always kept good amount of money in both of my checking and savings account since account inception 15 years ago. 

However, due to lack of activity and services, back in XX/XX/XXXX, I decided to terminate my BofA credit card by paying off the balance using my checking account, which led to a low balance of {$170.00}, which caused the bank to start charging me {$12.00} a month. Since then, I have not been logging into my online banking at all, nor have I used any Bank of America services, so I did not realize I was being charged for that many months. If I knew they were going to charge me {$12.00} a month, I would have closed the account immediately without any issue. 

Upon the discovery of the charge of a total of {$160.00} to date, I immediately called bank of america on XX/XX/XXXX to request a refund, but they responded that because I signed the paperwork 15 years ago, they can only refund me {$12.00} ( out of {$160.00} ). I asked to escalate my request to a supervisor, then another supervisor, then another supervisor, all have said the same thing, that since I have signed the paper, they will keep the charge that they didn't provide any services for. 

What I argued was since my savings account still had {$16000.00} in it, they could have called me or simply sent me a text message about the situation and reminded me to move some amount from savings to checking to avoid the extra charge, but they literally did nothing and just charged me for 14 months. 

When I asked if I can speak to their team supervisor or XXXX, the last answer I got was he ( his name is XXXX XXXX was about to go to a meeting, and will get back to me to help me in several hours. Unsurprisingly, that phone call never came. 

I am deeply disappointed by how BofA treats its customers, especially ones that have had banking relationship with them for 15 years. It failed to remind me about the overcharge, even though I did not any of its services for 14 months, and it failed to handle reasonable customer request by simply getting back to me on time. 

Frankly, since I opened my first banking account in the XXXX, I have never encountered a bank ( not XXXX, not XXXX  XXXX, not XXXX XXXX ) that charged me any fee in my checking account just due to low balance. I am shocked by how bad BofA 's service quality has become over the years, and I intend to terminate my relationship with BofA in entirety if my refund can not be resolved. 

The last customer service personnel I have spoken to are ATM billing dispute / customer deposit team supervisors, their first names are XXXX and XXXX XXXX XXXX failed to call me back on XX/XX/XXXX ).
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX - mortgage account- too old to be on report ive tried to get it removed transunion - XXXX and XXXX first went delinquent in 2015 - cant stay on XXXX after opened was paid in full due to insurance coverage
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OR)

I have received 2 notices from Transworld Systems Inc. for debt collection in behalf of XXXX XXXX XXXX in the amount of {$270.00}. I have never done any business with XXXX XXXX XXXX, nor have I ever received a bill from them. I have written TSI that this debt is not mine, but they continue to send notices. I would like them to cease and desist.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (TX)

This debt was settled and guaranteed there would be no reporting or collection efforts filed by this debt collector, RPM if I would agree to a settlement, so payment arrangements were made on XX/XX/XXXX in the amount of 4 payments for {$370.00} first being drafted on XX/XX/XXXX, second payment paid XX/XX/XXXX. RPM has collected 2 of the 4 payments with two left, 1 due to be paid on XX/XX/XXXX and the other to be paid on XX/XX/XXXX. This company has now falsely reported this debt with no regard to our arrangement.
Consumer complaint received 2024-08-20
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. (LA)

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. 
XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. 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 XXXX 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 consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2018-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (VA)

I contact XXXX on XX/XX/2018 to alert the company that a fraudulent loan had been obtained in our name. Since that time we ( my wife and I ) have continued to contact them by way of phone, email, and fax to remove the information from my credit report. As of XX/XX/2018, the company sent me a collection email when my wife called customer service on XX/XX/2018 to inquiry about the status of the identity theft. At that point, she was told once again, that we were behind on payments. When she communicated that this was identity theft, she was told they had not received the information so while on the phone she emailed the documents to customer service. 
I have upload the communications to the company minus an original fax that was sent in XX/XX/2018 that I can not locate the confirmation page. Though, at that time, I sent the documents via email and mail. 

XXXX XXXX
Consumer complaint received 2024-08-20
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. (NE)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the following : 15 U.S.C. 1681 602 ( A ) I have the right to privacy 15 USC 1681 and 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.

15 U.S.C 1681 604 ( A ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section 1681 ( A ). In accordance with the Fair Credit Reporting Act, I hereby request the above listed accounts be removed from my credit report.

Any information that the creditor is unable to verify should be promptly eliminated. Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. 

Delete these accounts immediately XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NOWCOM/WESTLAKE FINANC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FINGERHUT/WEBBANK XX/XX/XXXX CONSUMER PORTFOLIO SVC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

i was re evaluated for a loan modification ... 

i was told i still didn't qualify due to my income was low debt high i advise my spouse give me child support and he will help with the mortgage payments i was still told my income was not enough. 

apparently because i do knothole a court order for the cild support and housing support they would not take it into consideration yet i am not legally divorce and my husband is equally responsible for our house hold expenses yet they are refusing to acknowledge his income of XXXX a month. 

i feel they are being unfair on this matter i appealed the denial and was further told this so its okay to not accept income due to it not being court ordered yet they will accept him not residing with us and its not a court order? 
makes no sense and it seems unfair we can afford our loan yet the bank is refusing to approve us stating we can not they requested my husband pay stubs and XXXX which we sent over yet only to be told he doesn't live with us my husband support me and our XXXX kids yet we can't get a loan mod with his income included only my income is looked at thesis crazy ... he's on the deed of the house so he's equally entitled to it. 

my husband is more than happy to move in back with us if this will eliminate thinly notion.
Consumer complaint received 2018-07-31
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ameritech Financial (FL)

I was given the wrong information by Ameritech Financial. They said that my monthly payments to their loan forgiveness plan that they said would make it cheaper instead of what I would be paying for XXXX XXXX would be going to the loan. Plus they said now that they had the loan forgiveness plan with me that I would be paying less and not paying interest and if I went back to school and got a second degree and a better paying job with the government or state that my forgiveness would be even lower. None of my payments went to my loan and I found out the fee they charged me in the beginning to sign up was not even a fee I would have gotten with XXXX XXXX if I did the forgiveness plan with them instead. Where was my money going to if it wasnt for my loans?
Consumer complaint received 2018-07-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I am the cosigner on my granddaughter.s student loan which is XXXX serviced by XXXX XXXX XXXX. XXXX XXXX reported 4 late pyts to Experian which were actually late but there were extenuating circumstances which after several calls to both XXXX XXXX and Experian ( disputes ) they wouldn't'.t even listen. My granddaughter applied to XXXX School after earning her degree from XXXX XXXX University and paying loans for almost 4 yrs. She ca ; ; ed XXXX XXXX and was told she could have a deferment from paying the loans, therefore, she stopped paying them for 4 months and then was told she couldn't have the deferment so I immediately paid the back payments and thought this was all set. I never looked at my credit report until this year, not knowing there were late pyts on it. I have had to sign for my XXXX grandchildren for loans and was signing for my youngest one 's loan and discovered the lates. I have spoke to XXXX XXXX several times and my granddaughter has spoke to them several times and they told me every call is documented. Nobody apparently listened to my request to forgive these lates because of a error ( thinking she was deferred ). They kept saying they're valid lates. She has a perfect credit until this period of time now she has the lates and i do. I am a elderly woman almost XXXX yrs old and have never had a late on my credit report, in fact it was perfect before this incident. I spoke to several people at XXXX XXXX and after telling my story to several people including supervisors all they said was it was a valid late and did not listen to what I was saying regarding the deferment. They told me to call Experian saying perhaps they could help me. All Experian did was investigate and was told it was a valid late and wouldn't change the report. My granddaughter did not deliberately not pay these payments, she thought she was deferred. We need help to get this forgiven. I'm told these are on our credit report for 7 years if these can't be changed. My granddaughter will have to consolidate her loans so she can afford them when she finishes school again but probably won't be able too because of this error. She goes to XXXX School full time and works every hour she can at XXXX hospital to earn the money to pay these loans She is giving it her all and is volunteering to go with XXXX XXXX XXXX to XXXX to help the less fortunate ; she is really a good and reliable kid, this never would have happened if she wasn't given wrong information regarding the deferment. Please help.
Consumer complaint received 2018-07-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc (CT)

Harley Davidson credit Corp XXXX XXXX XXXX XXXX, XXXX Last XX/XX/2018 I had a motorcycle repossessed.voulentary. Harley Davidson financial Corp sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with Harley Davidson I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from XXXX XXXX XXXX XXXX a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX dollar for XXXX dollar that Harley Davidson claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury  would agree. With me, after seeing the breakdown of the bill, that I owe XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company Diversified Consultants and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

I have not received a reply from this company and it is over 30 days and they are now out of compliance. Under advise, I wish to informed Diversified Consultants that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
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: Experian Information Solutions Inc. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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 (GA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

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

These accounts has violated my rights. 
Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

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

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.