davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MIDFIRST BANK (AZ)

I got 4 over draft fees .need someone from executive office to call me back. I tried to work this out with the call center and branch teller team. This bank ATM in XXXX az atms are always down. After a certain time and even in the night. Between XXXX and XXXX XXXX. I have issues with putting money in the ATM. When I do put Money in the ATM it takes a few days to get the cash Money posted. I got over draft and I requested the over draft fees to be refunded. The teller I spoke to wasn't trying to refund the money and was trying to blame me. 
regardless. Who was at fault I should not have to contact the executive office to have simple issues resolved. I don't keep a lot of money in this bank because of the service and I only use this bank for the location. I have issues with this bank and ATM all the time. I complain to the tellers and it seems like I'm the bad guy. I want to talk to someone about the overdraft refund.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized ADVANTAGE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

4. The Late Payment Status is incorrect. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

5. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The Late Payment Status is incorrect. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

7. The Late Payment Status is incorrect. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

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

9. Validate Account XXXX XXXX Account XXXX : 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.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit 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 2024-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank freeze my account without any send letter for my document and also after freeze my icon event in the bank and give it them all document they need and they told me my account open about 10 days after 10 days. I called them and they told me they didnt receive it. I have to do it again, They freeze my account at end of the month so. Im not available to pay my mortgage and my car payment and all my bills.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-30
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

Navient reported a student loan as being past due 60 days on the credit report. This information is factual incorrect. The last communication that I had from Navient was the loan was being placed into an " Administrative Forbearance '' due to a class action lawsuit, which they identified that I was a part of. Since that notification in XXXX, there was no communication from Navient. Navient mailed the letter to my house stating that there was no further action due to this " Administrative Forbearance '' and that I would be notified when action was required. I do not have an online account, never set up one. Previous to this administrative forbearance, Navient would mail out a billing statement to my address. It's unfair for Navient to report the loan as being past due when there was no communication from Navient about repayment. Furthermore, in a call with Navient on XX/XX/XXXX, the representative told me that " billing statements were generated but not sent because there was no payment due ''. Furthermore, I was in a XXXX XXXX XXXX from XX/XX/XXXX, until XX/XX/XXXX, and not discharged from the XXXX  until XX/XX/XXXX. There was a family member who had power of attorney and could have handled payment on the account if such a payment was required but since there was no communication from Navient regarding payment or the loan ending " administrative forbearance '', there was no need to make a payment.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-09-16
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: EQUIFAX, INC. (LA)

Date : XXXX XXXX Equifax Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : XXXX CARD SERVICES Inquiry made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX XXXX made on : XX/XX/2023 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of deletion
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (WA)

We moved out of the apartment in XX/XX/XXXX. We had at the time applied for rent relief. Three years later we got this notice from IQ international that we owe the amount of the rent that the state did not provide to the rental company, plus over {$1200.00} worth of interest from XXXX. We had never received a notice from them until XX/XX/XXXX. They even admitted on the phone that no notice was given about this debt until XXXX because the rental company never attempted to collect and never contacted people about this before. Now they are trying to charge {$1200.00} worth of interest based on the three years when nobody was informed or knew about it. Moreover, when I talked to the woman ( XXXX ) from IQ International on the phone, she refused to allow us to make payments toward this debt. She demanded the {$6200.00} payment in full on the phone. I think this is also abusive and we are trying to make payments because we fear them going after our credit report as we are trying to save money to buy a home.
Consumer complaint received 2023-09-16
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. (LA)

Date : XXXX TransUnion XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : XXXX XXXX XXXX Inquiry made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXX made on : XX/XX/2023 Inquiry made by : XXXX XXXX XXXXXXXX XXXX made on : XX/XX/2023 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of deletion
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2023, I made a payment of {$65.00} to my credit card for the XX/XX/XXXX due date. I was charged a {$40.00} fee for nonpayment on the bill due on XX/XX/XXXX. ( XX/XX/XXXX I ended up getting XXXX and was sick until the middle of XXXX ). I called the company when I finally got well and disputed the {$40.00} charge for the nonpayment of the XXXX bill. I was told that I owed {$3.00} and was charged a {$40.00} fee. I asked them to waive the fee, but they refused. I closed the account. The card was a prepaid card. I had a {$600.00} balance. In order to get the card, I had to pay a {$500.00} deposit to cover my credit limit. When I closed the account, they only applied {$390.00} of the {$500.00} deposit to my account. I was charged an additional {$40.00} late fee and {$15.00} in interest fees. I am disputing these charges and the missing {$100.00} in the security deposit. I am also disputing the {$260.00} remaining balance on the card. The balance should be {$68.00}.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

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 2023-09-16
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)

You are in direct violation of the fair credit reporting act ( Account name & number # ) has violated my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-09-16
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Hi my name is XXXX and I have recently fell into the hands of Carrington Mortgage Services. This company has misused charging my account multiple times ( 4 ) in the same day resulting in my account to be put into a certified payment status. The company then proceeded to report my account past due for the months of XXXX and XXXX of 2023. I completed my XXXX payment and then the XXXX payment on time with autopay set up. My account information is showing my payment was reversed 3 times before it was complete. My current dispute says the company reported both months 30 days past due now. I dont know what to do.
Consumer complaint received 2024-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank america XX/XX/XXXX account # XXXX They decided to close my account with a line of credit of {$3600.00} just because? I asked them, why was my account late? I told them about what happened to me with the pandemic of, XXXX and what they did was close my account and with valance but it is already paid and they refused to help me with the late payments
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (FL)

The mortgage was under my fathers name and he passed away without a will. Due to a contested probate case the house was forced into foreclosure by the bank when they were notified of my fathers death and started returning my payments. On XX/XX/year> the order was entered in the probate case confirming my 75 % ownership interest in the house. I immediately submitted the successor in interest paperwork to shellpoint mortgage who repeatedly never received it until finally I received the approval letter on XX/XX/XXXX. I have now submitted the application to find out what my loss mitigation options are and was told it could take 30 days to hear back. In the meantime, XXXXXXXX XXXX XXXX is forcing us to proceed to trial XX/XX/XXXX and will not stop incurring additional fees and costs in the foreclosure as they are court ordered to proceed to trial. After being forced into foreclosure by the prior servicer XXXX XXXX and my sister I have done everything I can do to try to save my house but am being forced to proceed with the foreclosure case and am not being allowed time to be considered for loss mitigation
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I was supposed to get an annual fee waiver for being a Citibank Private Client customer. When I opened the account in XXXX I was charged the fee, and paid it, and I've been trying to get it credited back since then. I have heard many stories from Citibank about when the fee would be refunded, and the stories have so far not been true. Mostly the credit card department tells me the bank department has to do something, and the bank department tells me the opposite. One such example is that the bank department told me the credit card department will dispute the annual fee so that I don't have to pay it while waiting, and the credit card department said they can not do this. My next payment is due on XX/XX/XXXX. I would like the {$590.00} fee to not be part of the payment due, but I have no confidence that Citibank will fix the issue by then. Just today I spoke with 2 managers at Citibank and asked for a permanent or temporary credit today, and they refused and told me to keep waiting.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to file a formal complaint concerning my multiple and unsuccessful attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite my persistent efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The specific issues I am disputing are as follows which needs to be removed : 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 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 XXXX XXXX XXXX XXXX XXXX 

I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to addresses, collections, and inquiry. 

Subsequently, I followed up on to inquire about the progress of my dispute and request updates on the investigation. 

Unfortunately, despite my diligent efforts, the inaccurate addresses, collections, and inquiries persist on my credit report, causing undue financial harm. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report accurately reflects my financial history and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate addresses, collections, and inquiries from my credit report. Timely resolution of this matter is vital for my financial well-being. Failure to address these issues within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.