davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (KY)

I requested a loan payoff amount from Wells Fargo for my mortgage roughly XXXX dollars. 
Once I received the pay off amount I endorsed the coupon for the complete amount of my mortgage. By certified mail I sent off the endorsed coupon along with instructions for the CFO to respond in writing that he completed his portion of the endorsement process. Also if he did not perform his fiduciary duties for this account, the reasons should be given in writing. This packet was sent off XX/XX/2023 The company responded XX/XX/2023 in writing by sending a copy of the mortgage with no reason stated as to why the CFO duties were not completed for the account. 
A second letter was sent off by certified mail including : an endorsed coupon for the amount of the monthly payment of XXXX, instructions titled Tender of payment/Opportunity to cure. No response was received by me from the company explaining the total loan pay off, so I began sending in the monthly coupon endorsed and perfected. The company replied with the same packet that was sent to me at first ( XXXX response ), completely ignoring the instructions. The second reply was received XXXX XXXX. 
On XX/XX/2023 a third packet was sent to the company with instructions for the CFO to complete his fiduciary duties connected to my account. The instructions titled Tender of Payment/default notice and an endorsed coupon for the monthly amount of XXXX. 
I received a third erroneous response dated XX/XX/2023 with much of the same information as the two previous packets sent to the CFO. A forth packet was sent off titled Tender of payment/2nd default notice along with the monthly endorsed coupon directed towards the CFO requesting same as before. This time I included : Federal Reserve Act Section 16 and 29, UCC 3-603, 12 USC 1431 , 15 USC 1681 ( n ), 18 USC 8 and the statement a contract must be equitable to both parties. 
XX/XX/2023 I received a response stating they have refused my tender of payment and all future similar items will not be accepted and we will not respond to matters of the nature in the future.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, 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. (SC)

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 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Someone applied for a XXXXXXXX XXXX in my name using my personal info. I froze my credit reports and notified XXXX. XXXX has said they are pulling the application. I believe this is from the BoA data breach which included names, SS # s, DL # s, birth dates, income, employment, addresses, etc.
Consumer complaint received 2024-04-13
Product: Mortgage — FHA 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: Onity Group Inc. (NV)

The company modified my loan. Received the paperwork. Then told me they never received my second paperwork to modify the loan when there was never any communication about second paperwork they sent me an email stating they had received it and that it was good to go and approved. Now all of a sudden they say I am in foreclosure and they didnt receive my paperwork I documented and tracked everything. It was received on time and no other correspondence was intimated on their end. Now the HAF program has stepped in and they are not communicating with them.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is First name- XXXX / Middle Name- XXXX/ Last name- XXXX It should appear as XXXX XXXX or XXXX XXXX XXXX any other name is incorrect
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX accessed my Experian credit report on XX/XX/XXXX and XX/XX/XXXX. I do not recognize and did not authorize this access to my credit report. My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.
Consumer complaint received 2023-07-22
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Every month Bank of America charges me {$4.00} for a maintenance fee when I go under {$100.00} balance. I called customer service and asked why the date changed every month and why do they wait until I get closer to or under {$5.00} per month to assess this fee. I have never received an overdraft fee because I always cover my account, but I came close this time. The customer service rep told me the date is the same every month. Thats when I got upset over the phone. I said no, it varies and this time this fee put me in the negative. He said no it wasnt the service fee but my charges that out me under. I said no when I went to sleep the charger wasnt there but it is and it put me under. He said well thats what you signed up for XXXX. You knew exactly what the fee is for. I said well it sounds like youre reading your script and youre just trying to see if you can get me to pay overdraft fees. I told him he needs to work on his customer service skills because he had raised his voice at me. In my case, I am unfortunate, but if you look into it, I think you will find other customers who may be paying a lot of overdraft fees and Bank of America is targeting those of us who dont always have a cushion in our accounts..
Consumer complaint received 2023-10-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (NJ)

I am sending this complaint because of this company XXXX XXXX they are putting false information in my credit report I guess a debit collector to over the debt and they are putting that this loan was opened 3 min ago witch is false information this was opened in XXXX an the amount listed is not correct and the dates are incorrect I asked for this debt collector company to send me proof that I even opened a loan with them 3 months ago I have not heard nothing back I ask for proof that this loan was signed by me on XX/XX/XXXX as they listed on my credit report witch is incorrect information I never signed anything with this company on XX/XX/XXXX and they have no proof stating or wet signature that I did this loan was open with this company back in XXXX and the debt collector NCA as they are listed on my credit report listed this as a new debt just opened and that not true I want this investigated and removed from my credit report because its false information.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (NV)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Bankruptcy XXXX XXXX was dis charged XX/XX/2014. Docket identifier # XXXX
Consumer complaint received 2023-10-12
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC. (LA)

Ally Financial Services Account # : XXXX In accordance with FCRA, this creditor has violated my rights under 15 USC 1666b, a billing error, as I have a right to privacy, per 15 USC 1681 Section 604 ( a ) ( 2 ) ; moreover, it reads that a consumer reporting agency can not furnish a consumer 's account information without my written consent/instructions, as Ally Financial XXXX reported alleged late payments for the months : XXXX, XXXX  and XXXX, XXXX to the credit bureaus, XXXX, XXXX and XXXX. Therefore, I am requesting intervention regarding the removal of same from my consumer report. 

XXXX XXXX
Consumer complaint received 2023-10-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation (CA)

On XX/XX/2023 around XXXX XXXX  received a knock on the door from an assumed process server. The man handed me a fax copy letter with my service address and another address of an unknown party. I contacted XXXX & XXXX and was unaware of the process server. The debt collector information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (IL)

L J Ross and Associates is trying to collect on a non existent debt from XXXX XXXX XXXX. Their online systems for both my wife and my accounts show a XXXX dollar balance, yet they are trying to collect on a debt. I am not sure if they obtained my information in a fraudulent manner or not. 

I have also not received a statement for this reference account from the original creditor.
Consumer complaint received 2023-10-12
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. (OR)

*** As Stated on my FTC - Identity Theft Report **** List of Fraudulent Inquiries on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX # XXXX ( late payment ) -- XXXX XXXX XXXX XXXX # XXXX ( charge off ) -- {$2000.00} -- EXP UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: S&S Physician Services, Inc. (TX)

Hi, My name is XXXX XXXX and I am filing a complaint for XXXX as they have three collection accounts that have been readded back to my credit report 2x when I submitted information pertaining to identity theft, and FTC reports to the bureau. Not only did they fail to disclose my results of the disputes within removing them they readd to the bureaus with no information as to why or no investigation. The three collection accounts I am complaining about is XXXX XXXX XXXX hopsital where there is two collection accounts and an apartment park falls which was a lease opened up in my name. The FTC report # s for these complaints are as follows XXXX, & XXXX.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

When I use my credit card or ATM card associated with Bank of America outside of the State of North Carolina or outside of the city of XXXX, they decline the use of the card and consider it Fraud. I have contacted them and explained to them that I am either ordering something on-line or making a subscription purchase, but by then they have already declined the purchase. It seems that they have a very sensitive computer assigned to our account and we can not seem to get it removed. This has been going on for over a year now. Basically, they are denying me access to my funds and not allowing me to spend money from my credit card or access my funds associated with my ATM card and checking account every time they block our ATM card.
Consumer complaint received 2024-04-11
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: ALLY FINANCIAL INC. (OH)

Unauthorized Credit Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  0XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-10-12
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. (MI)

The primary information being reported are not correct such as the open date, date last activem date of payment history. These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to buy a home for my family. 

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 USC 1681. 

XXXX XXXX, XXXX  XXXX, XXXX  XXXX, Sate of Mi XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish a account without my written instruction.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX service reports a charge thats not mine.I have know contract with this company.I dont know anything about this debt.I didnt give this company consent to share this false information.