davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (FL)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry : XXXX XXXX  XXXX  XX/XX/2023
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX date breach engagement number : XXXX Claim number : XXXX My information was sold and bought illegally because I am a victim of the XXXX Data Breach . I would like these illegal accounts deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I am in fact a victim of this data breach and has done nothing to resolve these illegal matters. Iam asking to please help me by deleting these illegal accounts from my credit report.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (TX)

I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

My account was used without my authorization, I contacted them to let them know about the charges to my account I noticed some unusual activity on my credit card and notified them as they contacted me also, my credit card account ended up being closed because I wouldnt pay for unauthorized transactions my account had a limit of {$10000.00} now its a balance of almost {$23000.00} that I shouldnt be responsible for.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WI XXXX Email Address : XXXX You are in Direct Violation of The Fair Creadit Reporting Act XXXX XXXX XXXX account # XXXX has violated several oy 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 602 A. Section 2 : It also states a consumer repoeting agency can not furnish an account without my weitten intructions, 15 U.S.C 1666B : A credit may not treat payment on a credict card account under an open-end cunsumer credict plan as a late for any purpuse.

Removed these late Payment and updated this account immediately as you are in directviolation of deveral laws under The Fair Credict Reporting Act.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

They said it was their policy to charge for non-WF ATM access to my account. I told them I disagreed with the propriety of this as it amount to a penalty for using another provider service as I had already paid a network fee. I said Do Not dispute the Non-WF provider 's right to make a charge for use of their network and ATM services. I felt that their policy was to discourage my obtainingservices from a competitor - especially as I already pay for their services in a monthly service charge on the account ( or if waived by minimum balance then they are using my money AND charging me an additional service fee for the Non-WF access. 

Further I sated I only use non-WF services when there are no WF ATM 's handy to my point of service. The is a machine nearby but it is 1 ) frequently out of cash or 2 ) is is ( also frequently ) out-of service for other non-explained reasons. 

They refunded the last 3 {$2.00} NWF service changes for " customer relations '' but I told them that this would not deter me from filing a complaint with the appropriate gov agency for an unfair ( and probably illegal charge under anti-trust or anti-. 
competitive practices Summary of occurances : 1. XXXX XX/XX/XXXX {$20.00} ATM withdrawl, {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) XXXX. XX/XX/XXXX {$40.00} ATM withdrawl {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) XXXX. XX/XX/XXXX ATM withdrawl {$3.00} Network fee {$2.00} WF NWFATM charge ( NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ATM ID XXXX CARD XXXX ) I always give very critical consideration to each use instance of third party ATMs etc, as the Network fees are already rather high ( punatively so ) but I believe they have a right to remuneration for their network use. However I have not noticed WF is charging for the same service which I already payfor in my service expectations for WF. I am told this has been their policy for some time- my bad! However this would also qualify as " small print deception '' and rather despicable business practice ( in my opinion ). 

Looking back I find multiple charges as far as I can easily go. They have made significant income off me and obviously others and this windfall needs to be stopped. 
Crying 'caviat emptor ' does not let business off the hook for knowingly deceiving and taking unfair advantage of us all.

DAY
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX... 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX Sun XX/XX/2023 XXXXXXXX XXXX Greetings... 

In XX/XX/2023, I discovered my home was put on a " foreclosure registry list data base '' by my mortgage company ( Select Portfolio Services ) without any type of proper notice. 

I ( only ) discovered the " listing '' because I discovered a XXXX XXXX code enforcement officer inspecting my property because of being " put on the foreclosure registry list ''. 
The code officer told me they download and use the list daily to inspect home foreclosures and abandoned homes. 

It's important to point out, I was not in forclosure so I immediately called my mortgage company. 

A call to my mortgage company quickly confirmed I was not in any foreclosure " proceedings '' or in foreclosure. I asked about the " foreclosure registry list '' and was told they had no knowledge of it, nothing appeared in my file. No current court records filed for foreclosure. 

I ( then ) contacted the XXXX XXXX Code division and was told I was put on the list by my mortgage company, Select Portfolio Services. 
I filed an " open records request '' and confirmed it was my mortgage company that paid the required fee and fraudulently filed my home on the registry list, without notice. 

The information required to submit the form, along with a required fee, was outdated, false/misleading, inaccurate and in violation of Florida law . ( 48-H, sec.8, 146 ). 

Repeated phone calls to the mortgage company call center didn't work because they repeatedly denied any knowledge of the list. 
I got zero customer service. 

The mortgage company fraudulently put me on a foreclosure list, failed to properly notify me and violated Florida law.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Tuesday XX/XX/2024 I received a call from someone from Bank of America named XXXX XXXX. 

She stated she wanted to verify that I was the person who filed the complaint. 

Thats it. No additional information about the process except it will take 3-5 days. 

That was done for compliance purposes only, but is not customer service. 

Why call the customer with no solutions or answers?
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On or about XX/XX/XXXX, I contacted Toyota Financial services after making 12 months of on-time payments to refinance the vehicle loan, as my credit score increased, and the 15.9 % interest rates was too high. They indicated that they did not refinancing. On XX/XX/XXXX, I attempted to trade in the vehicle, but they indicated the vehicle was only worth {$8000.00} due to the recalls for theft. I indicated that I owed XXXX on the vehicle. Rather than trade the car in, I opted to do a voluntary repossession. I dropped the vehicle off at XXXX XXXX XXXX, and called Toyota within the next hour to let them know that I voluntarily repossessed the vehicle due to the fact of the vehicle value and the amount of my loan balance. I was told I would be called within 3 days. I never received any additional bills, notices that payment was late or any other notifications about the account. On XX/XX/XXXX, I received a phone call from a Toyota representative that indicated the account was 60 days past due. I asked to speak to a supervisor and I was told I would be called in the next 3 business days. On or about XX/XX/XXXX, another representative called and indicated that they could not locate the vehicle at the address that I provided. I indicated to them that they need to check the security cameras that would show they vehicle and the keys were left with the repo manager.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies. 

I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it. 

Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, account number ( XXXX ) Failure to do so will result in legal action taken against your company. 

I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within 30 days, as required by the GLBA
Consumer complaint received 2024-03-26
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. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-18
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. (AL)

To : XXXX XXXX XXXX, agents, representatives, & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g and 15 USC 1681 ( e ) B. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX I have requested a XXXX form showing cancellation of debt that I have not received. This company also shared my personal information with a third party repossession company without my consent which is illegal according to 15 USC 1681a-2. According to NMLS Consumer Access, this company is not licensed to collect debt in my state or state of residence.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Tuesday XX/XX/XXXX  I spoke to someone named XXXX XXXX who stated unbeknown to me that there is an active payment plan on my account. 

I was not aware and just called in to get what I was told by representatives XXXX was an approved foreberance from XX/XX/XXXX  until XX/XX/XXXX  explained. 

At which time XXXX XXXX stated there was No something contrary to what representative XXXX stated about the foreberance being approved. Per XXXX XXXX there was no approval for the requested extension from XXXX, XXXX  until XX/XX/. 

As the customer I certainly do not know, but something is very very wrong at Bank of America.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

My identity was stolen and There is 140 inquires on my report that I did not do. last thing I have requested credit for was for XXXX XXXX XXXX I bought a new car in XXXX, that was all that was on my credit and school loans. now there is other inquires I did not make. there were so many but they were on there a few times each Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the credit berau to try to dispute them but there is so many. please help I did put a lock on my credit but the person who is stealing my information has acess to everything I have. he broke in my home and got my information off my computer and stole mail from me.
Consumer complaint received 2024-04-18
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. (IL)

Can you reinvestigate the accounts listed below. 
Reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 


XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 


XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00} Collection account from XXXX XXXXXXXX XXXX with account XXXX XXXX and a balance of {$1500.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX 


Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$530.00}. The original creditor is XXXX XXXX. 


Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report According to 15 U.S. CODE 1681 I have a right to privacy, Accuracy and fairness of credit reporting. The information on my credit report is not accurate. Please send me the method of validation certified receipt with my name on it and signature.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding this account. I have already contacted all the relevant companies and submitted the required FTC to address this issue. 
Additionally, the companies in question have already removed this account from their records. Therefore, I am surprised to see that your bureau is still reporting this fraudulent account. Could you please provide documentation regarding your verification methods? XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I closed all of my accounts with Bank of America on XX/XX/ 2023. I spoke on the phone with a representative, XXXX at the company and withdrew all of the money from the accounts. Last week, I checked the account to ensure it was closed before the start of the new year and discovered they did not close the account and have continued to charge me various maintenance fees. The primary reason I closed the account was because of their lack of transparency and false fees that they refused to credit. I called a representative in the XXXX XXXX department of BoA, named XXXX. She claimed that I never actually closed my accounts because there was XXXX dollars in the account. She said all fees were valid because the bank credited the cash back from my credit card to the account, thus not closing it. When at the time of the first call to close the account, there was a XXXX balance. XXXX continued to change her story, would not return calls or investigations in a timely manner, allowing more fees to accrue. She claimed to not be able to find any of the calls I made with various employees over the past year maintaining that all fees were valid, when they were not. She said the account will not close until I pay the fees accrued after I closed the account the first time. When there should not have been any fees since I was told I closed it. I believe the employees at Bank of America are trying to commit fraud. They have lied about fees, and whether they have done the things I have requested. This needs to be investigated.
Consumer complaint received 2023-12-26
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. (FL)

XXXX XXXX XXXX - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX - XXXX XXXX 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 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
Consumer complaint received 2023-12-27
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: M&T BANK CORPORATION (DC)

My M & T Bank Credit Card is listed with the Credit Bureaus without a status, limit, balance, or payment history. I filed a dispute with XXXX and they closed the dispute stating that the company had updated the account ; however, nothing has changed.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

I made timely payments for Ally Financial in XXXX. Additionally, I had deferred payments for both XXXX and XX/XX/2023. Also, I had a deferred payment for the month of XXXX and XX/XX/2023 from XXXX XXXX. Despite my repeated attempts to dispute these matters, the companies persist in reporting the accounts with late payments. 

XXXX XXXX promptly updated the XXXX month, but unfortunately reported the month of XXXX as late. Although the account was settled in XXXX, they still persist in reporting it as late.