davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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. (TX)

XXXX DBA XXXX XXXX auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by XXXX DBA XXXX XXXX by phone asking if we wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from XXXX DBA XXXX XXXX that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted XXXX DBA XXXX XXXX and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that XXXX DBA XXXX XXXX stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. XXXX XXXX issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX XXXX, Equifax and XXXX but XXXX DBA XXXX XXXX has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by XXXX DBA XXXX XXXX. I have personally contacted all 4 Credit Reporting Agencies and learned that XXXX has done nothing to remedy this situation.
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (GA)

On    XXXX   XXXX    my purse was stolen I called the bank to shut everything off and the said I have to come in NOW however my car keys were in my stolen purse On    XXXX   XXXX   I  came into the Bbt    XXXX    ga branch and was told I was too late as I was told to come in yesterday.   The banker,  manager  and tellers refused to allow me  (  as an irresponsible adult ) has lost all rights to choose to close account or to choose to change banks! It was n't until I asked a customer to call police for me that they allowed me to close accounts although at no time did they allow me to actually use my hands to even touch a very large stack of  XXXX  dollar bills that did belong to me!   I have received a call from  Bbt  customers service to my home on    XXXX   XXXX    from    XXXX   XXXX    informing me that branch managers erase their own tapes and all complaints need to be made to that branch manager.   I have a police report and was told he has a subpoena for that video but was also told I 'd hear from him before the end of the week last week!   I 've been in touch with  Corp bb &amp; T the y 've told me they 'll investigate and also told me to stop calling or emailing!   I 've been robbed of {$6300.00} my biggest concern is this is going to happen again to someone else! PLEASE PLEASE PLEASE INVESTIGATE THIS!
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX, My credit report stated I had an collection from ( credit XXXX bank sold to XXXX XXXX XXXX # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, XXXX purchased debt ( violations : proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX, XXXX XXXX XXXX  XX/XX/XXXX. Creditor removed collection account from XXXX & XXXX and XXXX time on XXXX  only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXX, I Disputed this collection with twice XXXX  XX/XX/XXXX, XXXX reported the collection account on XX/XX/XXXX with the same account On XXXX and XXXX  as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. XXXX  payment status is late 120 days on a collection account XX/XX/XXXX, Debtor has reported the collection to XXXX  ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX  and XXXX. This XXXX and XXXX 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX  AND XXXX and reported the account as of todays date XX/XX/XXXX. Creditor ( XXXX XXXX XXXX removed from XXXX  sold the debt to XXXX and then XXXX reported the collection on my account and did not update in the comment section that an investigation was completed
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . 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.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2024-04-05
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. (TX)

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 : XXXXXXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX : Account Numbe : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 2017-05-02
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. (AL)

I called  XXXX  who is the services my student loans multiple times to figure out why I have over  XXXX  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  XXXX  years so they can fall off my credit report. I do not think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all three credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called  XXXX  who is the services my student loans multiple times to figure out why I have over  40  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  7-10 years so they can fall off my credit report. I do no t think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all   XXXX   credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, EU, XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my XXXX report from XX/XX/XXXX the balance due on this account is {$0.00}. XXXX REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCE, EXP has lates on a charge off account. XXXX HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XPN AND XXXX  IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX EXP FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX EXP CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY
Consumer complaint received 2023-10-20
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. (GA)

This account is validated as mine However, this account incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across TU, XXXX, XXXX. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately This account is incorrectly reporting that I still owe a balance. On my XXXX report from XX/XX/XXXX the balance due on this account is {$0.00}. TU REPORTED ACCOUNT MEETS FCRA REQUIREMENT EVENTHOUGH CHARGE OFF HAS A BALANCEXXXX XXXX has lates on a charge off account. XXXX HAS LATES ON A CHARGE OFF ACCOUNT PLEASE REMOVE THESE ACCOUNTS THIS ACCOUNT HAS BEEN ILLEGALLY REAGED AND THE BALANCE HAS CHANGED FROM XXXX TO XXXX WHEN THE BALANCE SHOULD BE XXXX IF ITS A CHAGRE OFF ACCOUNT. THE CREDITOR REPORTED XXXX BALANCE FOR XXXX AND XXXX IN XX/XX/XXXX THEN UPDATED THE BALANCE TO XXXX AND IS damaging MY SCORE AFTER I ALREADY DISPUTED THIS ACCOUNT AND REQUEST THE BALANCE TO BE XXXX XXXX FAILED TO UPDATE THE STATUS OF THE investigation ON XX/XX/XXXX XXXX CONTINUED TO REPORT COLLECTIONS EVERY MONTH SINCE XX/XX/XXXX ON MY REPORT ADN REAGED, MY ACCOUNT ILLEGALLY
Consumer complaint received 2023-07-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (HI)

I wanted to pay off my loan was hit with more financing fees when I have paid off the entire loan within a month. My first high payment was met with a phone call from the business owner insulting me by assuming I was making a one time big payment and not paying the rest. This last week I made a payment of {$2500.00}. Asking for the payoff and amount was told it was {$2500.00} called Friday XX/XX/14 and was hit with a financial charge of {$2800.00} and was told that I will need to payoff the $ XXXX. I asked to have them removed and they will not work with me
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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, XXXX, and Equifax, XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't 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 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 2023-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (TX)

IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . 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.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Kohls charge app and site was having issues. Would not accept my payment and said there was an error and to try again later. After multiple attempts I messaged Kohls and they said the problem was fixed. It was not! So I tried again later. The payment went through. This was XX/XX/XXXX. The payment was {$41.00}. Today XX/XX/XXXX I check My bank account to find there was a second charge from them for the same amount on XX/XX/XXXX. I talked to two customer service agents on the phone and multiple online and they basically told me there was nothing they could do and they could not refund me my second payment. To call my bank and cancel payment to them but I would be charged a {$25.00} cancellation fee. This is absolutely ridiculously and very shady of them to do. It was basically said to me it was my fault which it was not, the site was not working and telling me to keep trying. I only got one confirmation number in all my attempts so for them to charge me twice and try to brush it off as an error on my part is poor customer service! I am very displeased with this company and how their customer service works. How many others do they do this to? Taking unauthorized payments without a customers consent and then telling you oh well! Will be done with this company as soon as I oay My balance off.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MI)

In XXXX  someone open a banking account using my email address and other information with well Fargo bank. I didn't know until I got a email saying I have a checking account open and I will receive my bank card. I call the bank I told them I never opened a account with them. I told them my information which some of the information was wrong like my phone number and address. They stated that it would be closed. It's just scary that people can do these things and we the victims who have to go through. Have to do things to protect ourselves when the banks should.
Consumer complaint received 2023-10-20
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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