davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I have been a banking customer with Wells Fargo about a decade now. For the most part my banking experience was an enjoyable one up till about 4 or 5 yrs ago. I sometimes receive overdraft fees when the money was transferred to my account, from another bank, or charges come through after what they call " processing closing times. The closing time as I was told was XXXX or XX/XX/XXXX. So anything after that time would post the next business day and would be pending. If a charge post to my account and there is no money or not enough to cover it, I get charged a fee. Because of this practice, I have alerts through text and email that tell me exactly when something posts and the amount I'm overdrawn. On XX/XX/XXXX @ XXXXXX/XX/XXXX I received and email that said my available balance was XXXX and I received a text at XXXXXX/XX/XXXX. These alerts were set up by a Well Fargo mgr ; I was told it was real time. I could prevent overdraft fees by being alerted once I'm in the negative by transferring money once I received them. Money was transferred at shortly thereafter and it brought my account to a positive state. My account closed the previous business day at XXXX and some change positive. I called and spoke with a XXXX we both reviewed the transactions and agreed the my account had a positive balance at closing. So I was refunded. XXXX The very next day on XX/XX/XXXX, my account was positive when I went to sleep. I received an alert via text an email that my account was negative XXXX at XXXXXX/XX/XXXX. I received this alert at XXXX via text and XXXX via email. I transferred XXXX in less than XXXX min later. My account again was positive. I then receive a notification that my account was XXXX and that I received two overdraft fees. One of these same transactions, I was told was on hold yesterday and was taken away from my available balance when I received the 1st fee, the prior morning. I called again and asked why did I receive a fee when I received the alert this a.m and why was it processed for the 11th and not the business day of the 12th? Then he said the alerts aren't real time as I've been told. I then requested my account to be closed. This has become repetitive every few months. They experience a glitch or something that causes me to get a fee. When it's my fault, I pay it without a problem. It seems as this is nothing but a money grab for them, while I have to fund it. I'm tired of it! It needs to stop.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/year>2024, I have requested online from all three credit reporting agencies ( XXXX, and Experian ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent certified letters to each credit reporting agencies ( XXXX, and Experian ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( XXXX, and Experian ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my updated credit report, my old addresses are still appearing on my credit reports. 

As of XXXX XXXX, I have not received anything from XXXX. From Experian, I received a report # XXXX, report # XXXX, report # XXXX ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) these reports back to back is stating they have updated my current address but have not removed undeliverable address after sending them a copy of my drivers license, SSN, and a bill a total of XXXX times.
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services (NJ)

Dear Sir/Madam, I am writing to file a formal complaint and bring to your attention an issue I have encountered with Mercedes Benz Financial Services regarding the repossession of my vehicle. I believe that the creditor, Mercedes Benz, may not have complied with XXXX XXXX XXXX provisions regarding repossession, potentially resulting in the wrongful repossession of my vehicle. 

Under XXXX XXXX  law, certain procedures must be followed during a vehicle repossession to protect the rights of consumers. It has come to my attention that Mercedes Benz Financial Services may have failed to adhere to these procedures, specifically regarding the breach of peace provision outlined in New Jersey law. 

Breach of peace occurs when a repossession company engages in behavior that is likely to cause a disturbance or conflict during the repossession process. It is my belief that the repossession company, acting on behalf of Mercedes Benz Financial Services, may have breached the peace during the repossession of my vehicle. 

Additionally, I did not receive a Notice of Repossession and Right to Redeem from the creditor. Failure to provide this notice may constitute a violation of state laws. 

Furthermore, I would like to emphasize the distress and mental health issues that have arisen as a result of this repossession. After discovering that my vehicle was missing, I immediately contacted the authorities and filed a police report, as I initially believed that my car had been stolen. This incident has caused significant stress and anxiety, affecting my mental well-being. 

Should it be determined that the repossession was indeed unlawful, in violation of the Fair Debt Collection Practices Act ( FDCPA ), or breached the peace provision outlined in New Jersey law, I kindly request that appropriate action be taken to ensure that my rights as a consumer are protected and upheld. 

In light of the aforementioned concerns, I kindly request that you investigate this matter thoroughly, taking into consideration the breach of peace provision outlined in New Jersey law. Additionally, please consider the impact this incident has had on my mental health. If it is determined that the repossession was wrongful or in violation of the FDCPA, I hope to be rightfully compensated as per the provisions of the act. 

I appreciate your prompt attention to this dispute and your assistance in resolving this matter. Please do not hesitate to reach out if you require any additional information or documentation to further investigate this issue. 

Thank you for your help in addressing this issue. I look forward to a favorable resolution.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VI)

This company nationwide didn't provided the request information. I dispute this debt for the full balance. This company didn't send me a letter at all. This is false statements. Upload all the documents in this portal. I hope your company know this is a identity theft account from the XXXX XXXX XXXX This company is in violation with the FCRA. This company not license in the XXXX XXXX. 


The company didn't provided the request information : Signature of the debt, amount, when it was open and closed, the age on the account and charge off date and are you authorized to report to Credit Reporting Agencies. I would like copies of the last statement and all requested information you forgot to provided. I would like copies on everything on the account per the FCRA.
Consumer complaint received 2023-08-26
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Letter to Remove Inaccurate and Unverifiable Consumer Information To Whom It May Concern : I received a copy of my consumer report and found the following transactions to be in error. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Erroneous account direct violation of 16 CF 444.4 Late ChargeXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Erroneous Account Direct Violation of 16 CFR 313.6 - Information to be included in privacy notices. 
XXXX XXXX Account Number : XXXX Please remove account from my credit report. 
4. Erroneous Account Direct Violation of 16 CFR 313.9 - Delivering privacy and opt out notices. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Dates last active are inconsistent and inaccurate across CRAs XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Date of Birth : XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX 9. The following personal information is incorrect Employers : XXXX XXXX 10. Credit Reporting Agencies are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S. Code Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my consumer report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2019-05-08
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)

After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$3200.00} not mine XXXX XXXX XXXX XXXX {$2000.00} not mine XXXX XXXX XXXX {$690.00} not mine
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

My Name was use on a rental property I have no knowledge someone use my identity on XX/XX/2020 on a rental propertys at XXXX at XXXX XXXX XXXX XXXX XXXX, ga XXXX I Never and apartment in my Name this is fraud activity I would like to remove this off my credit report immediately.. thanks may XXXX bless you
Consumer complaint received 2024-05-17
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had 1 late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2023-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. As a result, there are several incorrect addresses listed in my personal demographic profile. I have sent in proof of my identity on multiple occasions to the credit reporting agency and as of to date, my personal data has not been updated to reflect the accuracy of my address.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) states that if a consumer reporting agency ( CRA ) finds disputed information in a consumer 's file to be inaccurate, incomplete, or unverifiable, the CRA must either remove the information or modify it. The CRA must also notify the consumer and their employer if they update the consumer 's report.

Under 15 U.S. Code 1681e ( b ) Accuracy of report The statute also applies to the reinsertion of information that was previously deleted from a consumer 's file. In this case, the person providing the information must certify that it is accurate and complete, and state that the re-reported material was deleted as a result of a reinvestigation under 1681i ( a ) ( 1 ). The FCRA also prohibits CRAs from reinserting disputed and removed account information. 

Please remove the following items on my credit report immediately : XXXX XXXX
Consumer complaint received 2023-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (IL)

My mortgage company paid the previous owner 's home taxes using money from my escrow account and hasn't refunded me yet. 

The first installment of the XXXX property tax, the county didn't mail it that time, then they put XXXX full year property tax for one bill at XXXX, XXXX. 

At XX/XX/XXXX, the unit was sold to me. When the mortgage company account department paid the borrower 's first property bill, they didn't think about it and confirmed the borrower 's first tax liability, even though that tax bill is not under the current borrower 's name. They just directly used the new owner 's ( borrower ) escrow account to pay the full year 's property tax {$4500.00}, including the previous owner 's tax liability ( XX/XX/XXXX to XX/XX/XXXX ) {$2500.00} ( this amount was paid incorrectly, which needs be refunded to the borrower ASAP ). PHH just needs to be responsible to the borrower, not anyone else, just needs to pay the borrower 's tax liability on time not the previous owner. 

PHH claimed that they needed to pay the borrower 's property tax liability on time, but that previous period for tax liability should have never fallen on me. 

PHH needs to send a note to the borrower, because the tax payer 's name is total different. 

PHH sent us a letter before after we complained about this and I received this response : *** " As we paid taxes for the incorrect parcel number ( XXXX ) for XX/XX/XXXX (? ), in the amount of {$4500.00} and XX/XX/XXXX, in the amount of {$2500.00}, a tax refund of {$7100.00} has been approved and was applied to the escrow account, which can not change the fact that using the new owner 's money pay previous owner 's tax lability. '' Does that mean our XXXX and XXXX first installment property tax weren't paid? Where is that tax refund? It's not showing up in the ( my ) borrower 's account. 

In our records, PHH sent by mail, the XXXX property tax bill sent by XX/XX/XXXX first installment sent by XX/XX/XXXX. That payment information on XXXX XXXX XXXX website. 

Actually, PHH paid the XXXX property taxes and did not any refund to the borrower 's escrow account. I went to the county tax office at XXXX, XXXX to confirm it all. 

We require a refund {$2500.00}, the first 6 months tax payment for XXXX, which PHH used our escrow account to pay previous owner 's tax liability. I have continued to try and reach out about this issue but they have stopped responding to me.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter finds you well. I am writing to address a deeply concerning matter related to my credit report. I want to bring to your attention that an account with the account number XXXX XXXX, held by XXXX XXXX XXXX, has been unexpectedly reinserted onto my credit report. This act not only contradicts my previous efforts to rectify inaccuracies but also raises serious questions about compliance with the Fair Credit Reporting Act ( FCRA ). 

I would like to remind you that I previously contacted your agency in XXXX of 2023 to address this incident. In that letter, I outlined my concerns regarding the accuracy of the account and requested its removal. Despite my previous efforts, I have not yet received confirmation of the removal of this account from my credit report. 

It is important to highlight that the reinsertion of an item onto a credit report without prior written notice to the consumer is a direct violation of the FCRA, which mandates that such notification should be provided within five days of the reinsertion. The unexpected reappearance of this account without appropriate notice has left me deeply concerned about the integrity of my credit history. 

Given the circumstances, I am left with no choice but to demand the immediate deletion of the aforementioned account from my credit report. This action is not only necessary to rectify the FCRA violation but also to ensure the accuracy and completeness of my credit history. 

Additionally, I kindly request that you promptly provide me with an updated and revised copy of my credit report following the successful removal of this account. This will enable me to verify that the necessary corrections have been made. 

I must stress that the delay in addressing this matter is both disconcerting and disappointing. I urge you to take immediate action to rectify this situation, as I am prepared to assert my rights under the FCRA to ensure compliance with its provisions. 

Thank you for your immediate attention to this critical matter. It is my hope that your response will reflect your commitment to accurate and compliant credit reporting.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

nder FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I`m requesting under the Cares Act Law that was enacted by Congress that seven of my late payments on my credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed as they were reported 30 days late during the XXXX Coronavirus Pandemic. I would like all credit reporting agencies Experian, XXXX, XXXX as well as my bank XXXX to remove these as it a poor reflection on my credit history. The CARES Act prevents lenders from reporting late payments to credit reporting companies during the COVID-19 crisis. I was unaware that lenders were supposed to do this and my accounts have been current for a five years. This negative reporting has affected me financially in my borrowing and payments.