davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (MA)

Fay Servicing , LLC ( listed on the credit reports as FAY FINANCIAL, XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX ) continues to report incorrect information about my account to credit reporting agencies. 

I have reported these inaccuracies to the credit reporting services XXXX and XXXX, which have in turn reported them to Fay Servicing. But Fay Servicing continues to refuse to fix these problems. 

I have repeatedly asked Fay Servicing to correct their inaccuracies, both via voice-mail ( they never answer the phone ) and most recently in an email to my account XXXX, XXXX XXXX XXXX XXXX ) on XX/XX/2020. XXXX XXXX has never replied to my email.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want to refile a complaint against Bank of America. They responded to my previous complaint XXXX -- XXXX however they did not give accurate information. What is the point of going through this regulatory process when the bank can say what they want and not be held accountable. I sent supporting documents in my previous complaints against BofA and XXXX and it shows dates, times and names. All conversations are recorded so do I need to get an attorney to finally get a legitimate response? Is a class action suit more in line? What will it take for big banking to be held accountable. 

BofA states I did not respond to their requests for the trial mod and they are incorrect in saying I did not respond. They are on a recorded line when their rep XXXX XXXX said they failed to connect with me at the designated appointed times because of a faulty calendar system AND their rep XXXX XXXX told me NOT TO PAY THE TRIAL {$2200.00} and I attached proof of conversations that outlined I did what was asked of me. They are not telling the truth and I am the one left to pay the price. Further when they told me to get the documentation in for the traditional loan mod, I turned in what they needed then XXXX said to resend it because they didnt have it. I have cert labels tracking they received it. XXXX even told me to get the info in a 2nd time quickly so they might still be able to keep my loan. I DID WHAT THEY SAID. This is not right that they should close this file because it is not accurate or true! 

On XX/XX/2022 at XXXX I got a call from The Rep from regulator compliance ( XXXX XXXX ) who received this complaint even read me back some of the notes stating what I said was true so how does it come out to be this result???? They misguided me on paying the trial amount and then said I didnt provide them with information they requested- when I did. This was done in an effort to have XXXX take over the loan. XXXX stated he would try to get the loan back or talk to XXXX  to see if they can offer the original trial that I WAS TOLD NOT TO PAY and try to do the traditional modification. Why would your reps misguide someone about to lose their home? 

They need to be held accountable and I do not accept their idea of a resolution. They did not handle my account correctly and something should happen to them for this.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

We ( XXXX XXXX XXXX joint account ) have been clients of Wells Fargo for more than 10 years and have been happy with their service. I ( XXXX XXXX have used online bill pay with no problems, including to pay our property taxes. I paid our 3rd Qtr property taxes via online bill pay. ( I also paid our 2nd Qtr property taxes via online bill pay with no problem. ) I paid our 4th Qtr property taxes with a check. We received a notice from the tax collector that we owed 4th Qtr taxes plus interest for late 3rd qtr and late 4th qtr. 

The tax dep't said they used my 4th qtr check to pay our 3rd qtr taxes. They said they never received my 3rd qtr online bill pay. So I paid our 4th qtr again including penalties and interest. 

I called Wells Fargo in XX/XX/2019. They said that the tax collector told them to put a stop payment on the 3rd qtr check. I asked the tax dep't and they said they never said that. 

Wells Fargo did replace the money from 3rd qtr online bill pay. I asked Wells Fargo that I'd like to be reimbursed for the interest penalties. The worker said that Wells Fargo does not pay property tax interest. Wells Fargo suggested to me that I not use online bill pay to pay my property taxes. 

I am requesting that Wells Fargo reimburse me {$44.00} late property tax interest.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

To Whom It May Concern, On XX/XX/2019 Citi identified a fraudulent charge on my Government  travel card for {$35.00} from XXXX. I subsequently filed a billing dispute but the issue went unresolved. In XXXX, I was contacted by Citi saying that my card was in collections for the same charge. I spoke to the fraud department and was told since the charge was outside of a 60 window there was little Citi could do. I paid the {$35.00} since I want to keep my credit in good standing. I find the actions of Citi to be deplorable making the customer pay for fraudulent charges. In addition, as an XXXX XXXX   XX/XX/XXXX  service member, my PII was compromised during a data breach at the XXXX XXXX XXXX XXXX ( XXXX ) from the XXXX to XX/XX/2019 timeframe. This just so happens to be before the fraud charge. The fact that a billion dollar industry was harassing and is charging a Veteran {$35.00} for a fraudulent charge is beyond disgusting!
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (TX)

Multiple hard credit inquiries from multiple sources. 

Sources as listed on XXXX XXXX from Equifax : XXXX - Auto Finance ( XXXX XXXX 2020 XXXX XXXX, XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2020 XXXX Sources as listed on XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX XXXX, 2020 ) I suspect I am a victim of identity fraud.
Consumer complaint received 2024-03-18
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. (TN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Collection Agency, Inc. (CT)

Prior to a doctor 's visit I contacted the doctors office to question if I would be charged for anything or would it be covered under my insurance. I was advised I would not be billed as it was fully covered by my insurance. After I received a bill I contact the office numerous times where they stated I consented to the charge and after XXXX requests I was still not provided any documents where I consented. They have now filed for a collection under my credit report. I have contact XXXX  and on a XXXX way call to the collection agency I was still not provided any proof of debt that I consented to. They continue to lien my credit and I have requested a supervisor from XXXX within the US 3 times. I still have not received a call back. I simply want proof I consented to the charge.
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus are not processing my disputes on several accounts. I have submitted several letters requesting validation and method of verification yet I have gotten generic responses regarding these alleged accounts.I have notified the credit bureaus that XXXX 's has falsely reported a payment was made on this account as of XXXX 2019.This creditor is attempting to re-age this account and I have requested validation on 3 separate occasions and nothing has been changed. 
XXXX FORMERLY XXXX is reporting a balance owed on this account yet no notice of deficiency was ever sent out nor has this account been properly validated as requested. 
XXXX XXXX is reporting late payments that never occured due to the fact that this account has been on forbearance and deferment and is now being serviced by XXXX. In addition, there are several duplicate accounts being reported. 
I believe that the credit bureaus are not accurately reporting several accounts in which I have requested validation as well as method of verification. To this date I have not received any of the proof requested.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX Chase tried to take an unauthorized payment for my Chase cc from an account they were not authorized to use ... was authorized in the system for XXXX ( I only get paid once a month, at the beginning of the month ) from an external account. Payment is not due until the XXXX of the month, but I like to pay my payments early. 
They charged {$27.00} returned payment fee to the cc XX/XX/XXXX for the above mentioned transaction. Almost a month later? No, not right! Coincidentally I filed my first complaint against them XX/XX/XXXX. 
Chase must be going bankrupt trying to steal from me as many ways and times as they have been. 
Their customer service, on line systems and customer service is in the toilet and has been since the beginning of the year.
Consumer complaint received 2020-04-06
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. (MD)

THE XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX  identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2020-04-06
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. (AZ)

Experian investigated the original dispute in XX/XX/2019 and removed XXXX from the credit report as shown in my credit file. Experian then allowed XXXX without valid or legal proof to put the derogatory account back on my account. The other 2 Bureaus XXXX XXXX XXXX  deleted XXXX XXXX from their bureaus. Experian failed to ask me to provide documentation and proof that XXXX XXXX was fraudulently put back on my Experian Credit File. In fact Experian failed to provide me the documentation XXXX XXXX provided to Experian showing the account is valid.
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX   and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX/XXXX  NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-08
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-29
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. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

I purchased a refrigerator from Sears. The Sears sales representative made me aware of a two year no interest payment option by applying for and using a Sears credit card. I opened the credit card and made the purchase which included the refrigerator as well as a {$490.00} protection plan, which they assured me could be returned for a full refund. I decided to return the protection plan, which was fairly straightforward. The return was reflected on my account and I was pleased. Some time after this I noticed a charge of {$490.00} and then a refund of {$490.00} on the same day. Since the net effect was zero, I did not think too much of it. On my next statement I see that I am being charged interest on a non promotional balance of {$490.00}. From what I can tell they charged {$490.00} to a " non promotional balance '' and then refunded it from the promotional balance, which was the account that does not charge interest.