davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

At XXXX XXXX on XX/XX/2023 I received a text message from Wells Fargo XXXX me that my checking account balance was - {$49.00} ( it is attached ). This was due to a {$66.00} payment from life insurance being drafted from my account. 

Wells Fargo has started a new initiative called Extra Day Grace Period ( EDGP ), giving XXXX customers XXXX days, instead of XXXX, to make deposits before XXXX EST ( XXXX ) to cover any overdraft and avoid fees. Here 's the information on XXXX : XXXX : XXXX XXXX I have XXXX I got to work to cover that negative balance from the {$66.00}, I had already deposited {$16.00} at an ATM on XX/XX/2023 before XXXX XXXX ( also attached ), then the {$66.00} hit my account after that, and I had already scheduled a {$50.00} deposit from an outside account to go into my Checking too, that transaction deposited same day, later on before XXXX XXXX ( attached ). Which brought my balance to {$0.00}, inside of the XXXX days. 


I found out today a {$35.00} overdraft fee was assessed on the {$66.00} transaction. Yet again, Wells Fargo " stacked '' aka reordered transactions around to create an overdraft fee. Even though the funds covered the {$66.00}, per their own XXXX guidelines / policy. 

I want the XXXX {$35.00} fee refunded back to, eliminated, and credited back to my account.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-04
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. (VA)

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. 

Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 reasonably cause to believe that the information is inaccurate.

Inquires
Consumer complaint received 2017-05-19
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: EQUIFAX, INC. (MD)

I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX    and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. Aft er the 2nd attempt  my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
Consumer complaint received 2016-06-17
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

My bank, USAA deposited my tax refund of XXXX dollars into the wrong bank account. According to USAA, another USAA account holder by the name of XXXX XXXX XXXX was unjustly enriched by money that belongs to me. USAA initially did not want to help at all, and essentially sent me on a fruitless 2 month run-around which involved me contacting my tax company, XXXX, as well the IRS, XXXX XXXX XXXX XXXX, my local police, and even my small claims court. None of these organizations helped me, and all insisted that I get back in contact with my bank ( USAA ). After finally submitting a formal complaint through the XXXX, I was contacted by a representative named XXXX XXXX who said she would attempt to get my money back by calling XXXX XXXX and asking him to put the money back into his account, so that it could be transferred to me. Note, this was a solution of which I asked USAA to perform months ago, and they were not willing. It took countless hours on the phone with USAA and finally an act on XXXX part to get my bank to do the minimum amount of effort. However, this effort was also made in vain as I was told that I would see results on the week of XXXX XXXX, 2016, and still have not heard anything about the money being put back into my account. USAA claimed that they will not pay for the damages, and will only resolve the issue is XXXX XXXX puts the money into his account. Seeing that the XXXX XXXX is not legally obliged to remedy an error made on USAA 's part, it is apparent that he will never put the money back. To conclude, I am asking for help to resolve this issue with my bank, so that my money can be sent to me ( the rightful owner ).
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXXXXXX XXXX XXXX XXXXs reporting to Experian Credit Bureau that I am deceased. It is effecting my credit score and ability to apply for a credit card and loan. They told me I had to send a letter from social security stating I am not deceased. I mailed and faxed this to premier bank on XX/XX/XXXX. They still have not changed this information.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX account number 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 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.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (VA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (OK)

CMC Funding XXXX # XXXX purchased our mortgage in XXXX of 2016. Since then we have issue after issue with our statements showing the wrong amounts, payments not being debited to our account in a timely manner, warnings that our payment is more than 30 days past due. I have called and emailed multiple times. Each time I am told someone will get back with me in 24-48hrs, but no one ever does. I need help, they are not doing anything to resolve these issues.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (GA)

NOTICE * GRAMM LEACH BLILEY ACT * NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to L.J. ROSS & ASSOCIATES that your institution has not conformed and is currently reporting to the credit bureaus in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from your institution as required by the GLBA statute ( XXXX ) above, nor have I been given a chance to opt-out of my personal information from being shared w/ 3rd parties. So why does L.J. ROSS & ASSOCIATES, a non-complaint institution, continue to report negatively on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be proven and substantiated, I DEMAND that L.J. ROSS & ASSOCIATES PERMANENTLY DELETE the following account ( s ) within 24 hours and forward to me on company letterhead proof of this occurrence to the address above.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

The first payment of XXXX has a payment date of XX/XX/year>. XXXX payment of XXXX has a payment date of XX/XX/year>. I have sent proof of electronic payment from my bank and Barclays states that they need a complete payee account number. My bank cant provide the complete number. My bank told me to have a XXXX way call with Barclays but they stated they could not call my bank. I then asked my bank to retrieve the funds and I would pay Barclays another way. As of XX/XX/year> Barclays will not respond or return my payments. I cant afford to lose that much, I am retired and only receive a certain amount to live on. If Barclays would review my previous payments over the years it would show that I always pay the balance each month and I round up the payment. Barclays case number to my situation is XXXX. They have all my documentation on file, along with recorded phone calls. I also placed a complaint with XXXX, which had a XXXX assistant contact me but was not able to get the credit department to assist.
Consumer complaint received 2020-12-28
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. (IL)

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX  XXXX XXXX, XXXX XXXX XXXX, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEAR ON MY EQUIFAX CREDIT REPORT. 

FTC ID THEFT REPORT # XXXX XXXX REPORT # XXXX ( HPD )
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (FL)

In my previous complaint I wanted to add that I am demanding proof of adequate assurance of due performance per XXXX XXXX which states : ( 1 ) A contract for sale imposes an obligation on each party that the other 's expectation of receiving due performance will not be impaired. When reasonable grounds for insecurity arise with respect to the performance of either party the other may in writing demand adequate assurance of due performance and until he receives such assurance may if commercially reasonable suspend any performance for which he has not already received the agreed return. 
( 2 ) Between merchants the reasonableness of grounds for insecurity and the adequacy of any assurance offered shall be determined according to commercial standards. 
( 3 ) XXXX of any improper delivery or payment does not prejudice the aggrieved party 's right to demand adequate assurance of future performance. 
( 4 ) After receipt of a justified demand failure to provide within a reasonable time not exceeding XXXX days such assurance of due performance as is adequate under the circumstances of the particular case is a repudiation of the contract. 

I want FULL DISCLOSURE- I want to proof that XXXX XXXX principles per FASB was followed.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

my credit file is no longer accessible by equifax. error BLNK. I've sent them a copy of my driver license, social security card and birth certificate. usps tracking shows the envelope was delivered. they wont fix and disconnect my call when i ask about it.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (TX)

I sent a letter last month to the credit reporting agencies regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for XXXX, Equifax, and XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. They are reporting that I was 120 days late in XXXX while the other is reporting XXXX. How is this accurate? You are also reporting 120 days, but nowhere in the payment history is it recorded that I was late 30 days which is the first violation. If I was late, you think a company will skip over 30, 60, 90 days and just report 120 days? I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report. I will attach my credit report to show the inconsistency.
Consumer complaint received 2023-01-04
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 — Problem with personal statement of dispute
Company: Atlanticus Services Corporation (TX)

My Fortiva Credit Card payment is due before XX/XX/XXXX. I got sick around XX/XX/XXXX. I took a XXXX XXXX on XX/XX/XXXX and was positive. I was in bed with fever of XXXX and all the Covid Symptoms until XX/XX/XXXX. I took another XXXX XXXX XX/XX/XXXX which was positive still. Mind you I am in the high risk category. I am XXXX XXXX XXXX and had XXXX XXXX in 2020. All my attention was paid on living. Thank XXXX i started feeling better on the 21 and I check my account and found it was 30 day late. I asked Fortiva to remove this under the Cares Act which states a lender can forgive a late payment due to XXXX for the months of XX/XX/2020 or after. I am asking that Fortiva take advantage of this Act passed by Congress and remove this payment. My payment history is good with this company.
Consumer complaint received 2023-05-13
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)

On XX/XX/2023, I submitted a dispute with Experian regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from Experian regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge Experian to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that Experian provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2016-06-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALCHRO INC. (TX)

I have asked First Fed Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2023-05-13
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. (LA)

Experian has failed to verify information I dont feel a proper investigation was done and investigation was opened XX/XX/XXXX and its now complete and today is XX/XX/XXXX ask for validation who verified that no one can give me that information I am requesting now to file a formal complaint about Experian not fully doing a investigations and not providing the information on who validated and verified this account the payment his and date valves are all inconsistent information across the bureaus which does not meet the FCRA laws which by law requires them to remove this account permanently I am disputed the inaccuracy multiple times and nothing was done as you can see there are results within three days from the previous dispute, so how was the investigation properly done XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXX FCRA violation 15 usc 1681 I am currently in the market to buy a home and was reviewing my credit report & found some errors in the reporting of ( XXXX XXXX open XX/XX/XXXX ) You are reporting information about me that is inaccurate.All three credit bureaus are reporting different high balances.on this account I. As you are aware there can only be one high balance on an account. This account has not been properly verified.Delete the following account immediately for failing to comply with the FCRA ( XXXX XXXX  open XX/XX/XXXX ) Thank you for your time, See attachment
Consumer complaint received 2018-02-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Immediate Credit Recovery (NV)

I had gotten a letter from the collection agency to contact them by a certain date, I have tried repeatedly to contact them and no one answers or calls back. Now they are offsetting my wife 's share of the taxes and she isn't responsible for my student loan, I didn't even know her back then.