davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BROADVIEW MORTGAGE CORPORATION (NY)

When I opened the XXXX XXXX XXXX  account I signed a blank XXXX screen to open the account. The bank is stating that I signed up for the courtesy pay program and I did not and would never sign up for something like this. I have never had an overdraft and do not sign up for things that incur fees. I have 4 accounts that appear linked on mobile banking and receive notifications about withdrawals and deposits along with statements all the time. I received nothing about this account being negative until XX/XX/XXXX when there was already {$160.00} dollars in fees assessed for spending {$58.00} over my balance. I had several XXXX dollars in all of my other accounts which could have covered the overages and I visited the bank a few times and it was not brought to my attention. They continually ask me if I want someone to call me about investing my money. The fees are exorbitant, my first overage was {$1.00} and a {$20.00} dollar fee was charged. They charged me {$28.00} five more times for a total of {$58.00} in overages that I didn't realize were being charged because I also thought the accounts were linked as they appear to be online. The bank stated they do not normally return those fees. Under normal circumstances I would understand this, but I feel that I was signed up for this program without my knowledge and the details were not included. All of my accounts had the same courtesy fee enrollment status that I did not sign up for. I was not given information about this when I opened my accounts. The first overage was drafted on XX/XX/XXXX and I received a letter yesterday and called to address it today.
Consumer complaint received 2021-08-03
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: Bread Financial Holdings, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I was never late on this account in XX/XX/XXXX XXXX 

I was reported to the credit bureaus as having 1 late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all three credit bureaus as well. Look at how all the information is different.

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my credit score and I need it fixed ASAP. 

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My Loan servicing was transferred from XXXX XXXX  to Suntrust sometime in XXXX and I was given less than 15 days of notice about the transfer. 

XXXX XXXX  sent me a letter on XX/XX/XXXX that my loan servicing was being transferred and told me to expect further communication from Suntrust regarding my new account number and where to make payments. They also informed me that my next payment ( which would be due in the next 10 days ) would not be accepted if I sent it to XXXX and that I would have to make payments directly to Suntrust. 

I called Suntrust before XX/XX/XXXX to make my payment, but was unable to do so because their agent told me that they did not have a loan number for me yet since the transfer process was not complete. They told me to expect a loan packet on or before XX/XX/XXXX, and I have yet to receive it. 

I have now received an email from Suntrust stating that I am late on my mortgage payment and that I will be charged late fees if I do not send them a payment by XX/XX/XXXX. I am being asked to make my payment online even though all I have received from Suntrust is the email informing me that my payment for my account ending in xxxx is late. I have emailed Suntrust back and have attempted to contact them on the phone multiple times but the line keeps getting disconnected after being on hold anywhere from 30 minutes to over an hour. 

I am not sure what to do to avoid late payment fees because my loan servicer has not sent me a loan packet, yet demands that I make payments on an account number that they have not provided me with. I am unable to set up online payments because the system requires me to provide my account number to do so. 

I know that I am stuck with my loan servicer unless they transfer the loan servicing to someone else, but am I not entitled to timely communications from my loan servicer and waiver of late payment fees that occur due to mistakes on the end of the loan servicer themselves?
Consumer complaint received 2021-08-03
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. (CA)

Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Account # XXXX - Unfortunately during the period that I have held this paid-for and settled account, I was unable to keep up the payments and fell behind. I was going through a rough patch in life. I am a single mother of XXXX children who was laid off twice and lost everything in a home fire in XXXX of XXXX. After opening this account in XX/XX/XXXX, I closed this account directly with Capital One in XX/XX/XXXX and settled it. I reached out to the Executive Office in XX/XX/XXXX and I was given a call and told that I wouldn't be able to receive assistance. I emailed again in XX/XX/XXXX and there hasn't been a response. I fully respect my obligations with Capital One & I have worked diligently to amend my relationship with you by regaining your trust. This spring, I was laid off a third time from the pandemic as well. A brief look at my current accounts will reveal that I have successfully made on-time payments with my Quicksilver, Walmart, & Platinum Accounts since my unfortunate circumstances and I made timely payments while I was laid off during the pandemic as well. Ive recently began searching for a new home for my family & it has come to my attention that because of my previous late payments with Capital One that this could hurt my ability to qualify for home loans. As you know, FICO scores are extremely important in the selection of prospective job, home, and car purchasing applicants. In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by deleting the tradeline. This tradeline is almost seven years old and it is reflecting several late payments. If Capital One is unable to delete the account, I would like to have the late payments removed for goodwill. This second chance will allow me to pursue the home of my dreams for my family. In the meantime, I have attached the Police Report & Red Cross Letter from the home fire in XXXX of XXXX. Thank you for your time & I look forward to receiving a favorable decision from your company soon.
Consumer complaint received 2024-08-16
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. (NC)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Company is illegally furnishing fraudulent information to my consumer report. 

Account : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2023-09-07
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was recieving unemployment benefits from XXXX and i worked prior to the pandemic and paid taxes in XXXX and XXXX. 
XXXX cut my benefits in XXXX XXXX but i am recieving notices they want me to repay what i recieved. 
Then another notice stated i was still collecting unemployment but in an account i didnt know of or did not have access to. 
Then my stimulus payments were paid into an account i dont have access to or aware of.
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (TX)

I've requested from the credit reporting agencies the removal of a public record being reported on my credit reports, they have come back as verified by the furnisher who they list as the US Bankruptcy Court XXXX  Texas. I received a letter from the United States Bankruptcy Court XXXX District of Texas that states that they are the furnisher of the information and that they don't report information to or remove information from credit bureaus. So after talking on the phone with Experian and requesting in writing the process of the investigation and how they obtained and verified the information from the United States Bankruptcy Court XXXX District of Texas, I was told that XXXX XXXX a third party company was the furnisher which is in violation of the FDCRA which states only the furnisher of and account or information can report/furnish information in credit files. So since I never had any accounts with XXXX they are in violation of Federal Law and United States Bankruptcy Court XXXX District of Texas states they didn't provide nor report this information to XXXX.
Consumer complaint received 2021-08-10
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: DISCOVER BANK (CT)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : DISCOVERBANK Account Number : XXXX
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I paid off a collection account and I was told by a customer representative it will be deleted when I paid it off ... I paid it off and when I called back they claim they will only update the balance ..Its still on my credit report and they lied to me
Consumer complaint received 2024-08-16
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. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-25
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. (TX)

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

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 2021-08-10
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: Experian Information Solutions Inc. (TN)

I Have New and Relevent Information : After reviewing your response to my dispute letter of the accounts listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX Account XXXX Experian is saying that date of last activity was on XX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX Account XXXX XXXX  is saying that date of last activityXX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX  Account XXXX XXXX  is saying that date of last activity XX/XX/XXXX Experian is saying that date of last activity XX/XX/XXXX XXXX  is saying that date of last activity XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX Experian is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX 1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.
Consumer complaint received 2020-11-11
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. (NY)

I am a victim of identity theft. I would like to request that the following account XXXX  Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (IN)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have closed referenced loan has been paid in full XX/XX/2021. From XXXX XXXX XXXX XXXX XXXX. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted XXXX to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The XXXXXXXX XXXX XXXXXXXX. I have all paperwork showing proof Discharge of Mortgage and signed Deed.
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I have a PayPal account and I changed my phone number and couldn't get in so I looked up how to get in touch with PayPal and was directed to the site but they said I had to download XXXX XXXX gift cards and they also had me download an app so when I finally figured out what was going on I tried hanging up and I couldn't it was like they had control of my phone I finally got the app off my phone and I didn't send them the gift cards they wanted me to download here is the number and name. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court