davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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. (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. 

Account name XXXX XXXX XXXX, account number XXXX, Account name - XXXX XXXX  account number XXXXXXXX XXXX XXXX xxxxxxxxxxx XXXX, Account name : XXXX  Account number xxxxxxxxxxx 1631 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states : No consumer repoeting agency may make any consumer report containing any of the followong information. Any adverse item of information, other than records of conviction of crimes which antedates the report of 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 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a Bank of America Credit Card that I have had over 20 years without making late payments. The credit line was {$25000.00}. On XX/XX/XXXX I made a XXXX payment to my card. I was planning on using the card to make some payments and other purchases. I called Bank of America on XX/XX/XXXX to conduct a balance transfer. After speaking to several people they lowered by credit limit from XXXX to XXXX. They said this was based on new information obtain. I did not authorize a new credit request. I believe I have been a victim Fair Lending violation, Unfair and Deceptive Acts and Practices violations, ECOA violation, and FCRA violation. When they transferred me to the Balance transfer department no disclosure were given to me to state credit was being used or new credit decision was being made. I did not authorize Bank of America to pull my credit again. I believe this is an Unfair, Deceptive and Abusive act that was targeted at a minority. They ask if I was employed and current income. I told the customer service person I did not want to initiate a new credit request. I only access the credit limit that was established. Bank if America has created an extreme hardship and will cause not to meet some obligations. I called several time and no one was willing to assist me. This is negatively impacting me personally, professionally and my business.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

Sunday XX/XX/2022 navy federal credit union said I had a certain amount of money available. Roughly {$600.00}. In my account. 
I checked pending transactions and everything was there. 
I decided to make an extra payment of {$250.00} towards my credit card because I thought I had extra money. 
Monday XX/XX/XXXX I noticed I had {$100.00} in my account and was confused because the {$250.00} to my credit card didnt come out and all of the transactions were still the same. 

They said it was that the pending transactions didnt pull from my account even though it displays the amount of {$600.00}. 
I had put {$1000.00} in my account the day before so it made sense that having dinner and drinks left me with {$600.00} from the {$1000.00}. 

I noticed that they are keeping the pending charges and displaying a false amount to make me over draw my account and pay over drawn fees. I called them and they said they have no control over that. But it seems like a its false. I keep good track of what time my money goes in and out. So something doesnt seem right.
Consumer complaint received 2022-10-17
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. (LA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these item, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Case Number : XXXX
Consumer complaint received 2022-10-17
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. (LA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these item, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Case Number : XXXX
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (GA)

I had a month to month membership with XXXX XXXX  I stopped going to the gym but they still try to get payment out of my account. Then, they sent me to collection for services I didn't use. 
Please, show evidence that I was checking in to the gym for the dates you are trying to charge me for. If you can not provide evidence, please delete this from the credit report.
Consumer complaint received 2022-10-17
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. (DE)

My name XXXX 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 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (GA)

Collection agency has not provided validation information uner 12 CFR 10006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and decptive means.

Collection agency has no authority to furnish my account to a consumer reporting agency without my providing and and all disclosuresrequired by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ) I am disputing owing any and all debts to them. I revoke all rights of all claimants communicating with me through email, texts and calls.

I am requesting debt validation. I am also requesting the purchase agreement between the debt collector and the original creditor.

I am also requesting that the debt collectors are licesned and bonded
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (MA)

My Marcus by Goldman Sachs cd matured. I request and received a physical check for {$320000.00}. I deposited the check into my XXXX XXXX XXXX account. Service contacted me and stated the check was returned uncollectible. I've called XXXX and can't get a straight answer as to why this happened or when it will be resolved. One XXXX representative stated it could take 30 -90 days to resolve. A supervisor stated the investigation will take 1-3 days but couldn't tell when it would be resolved.
Consumer complaint received 2023-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

I had a vehicle loan through security service federal credit Union. Included in my loan was gap insurance. The DEF system went out on the truck which cost around {$5300.00} to repair. I notified the bank and asked to add it on to the end of my loan. I authorized the repairs to be done due to XXXX regulations, which I have to uphold according to the loan contract. I was out of town on business with my dad and when the repair was done I told the bank to go pick it up so they didn't put a mechanics lien-on it. When I got to the bank to sign the papers they told me it was too late that they had already sold my vehicle with all my tools on it. I went in several times saying you couldn't take my vehicle while I was currently on all my payments. So I'm out of vehicle, I'm out all of my tools that I made a living with, I'm out of a job, and I'm out of a way back and forth to work. XXXX XXXX didn't cover me nor did my full coverage insurance through XXXX. Who allowed someone to add their email to my accounts, which allowed them to do account takeovers on all accounts with the credit unions that I did business with. I'm scared to take out any loans now. I'm scared to buy any insurance. I learned from my mistakes by having liability insurance and I guess I'm a fool for buy full coverage. No credits, compensation, or reasonable offer have been made. And if so, how am I supposed to know if they allow account takeovers without ever letting me know. I went from {$50000.00} a year to homeless and less than {$50000.00} over the past 5 yrs.
Consumer complaint received 2019-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (CA)

I opened this personal loan in XXXX when the company was called springleaf and the branch was on XXXX in XXXX XXXX. The loan amount was XXXX and the terms were XXXX for a period 5 years,, XXXX XXXX  XXXX  the loan was to be paid off, however they came back and said that since their was a time period I paid the loan late the accrued additional XXXX  I thought this to be unfair and after calling the corporate office which is now One Main, 
(they acquired springleaf) they agreed to cancel all remaining interest on the interest and every payment moving forward would be going to principal
Around XXXX XXXX a few days before my pay ment was due I called and spoke to customer service to see if I could defer a payment since I was having a lot of car repair issues, (you see they have also held my car hostage  collateral) the car now has XXXX  miles I cant afford a new car or used because I am still paying this loan and they keep dinging my credit for late payments when they did a double deferment, So anyways I entered into a double deferment it was processed before I made the required pmnt I made up the pmnt and they still reported me to XXXX  as being late in XXXX  to XXXX  as being late in XXXX  and to XXXX  as being late XXXX and XXXX
they are literally ruining by life the only account that is hurting me Every time I call I get a new story
Consumer complaint received 2024-04-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (MD)

I have a Certificate of Deposit with Marcus by Goldman Sachs that matured on XX/XX/year>. I had established instructions for them to transfer the amount when closing to an account on XXXXXXXX XXXX XXXX XXXX XXXX. I was able to establish the external account access within the Marcus platform. 

The money was never transferred according to my instructions, nor was I notified that it had not been transferred according to my established instructions. When logging into the Marcus app on my phone, there is no history at all of my account. When logging into the Marcus website on my computer, the account exists but it is not possible to transfer the money.

I have called Marcus today and they are telling me that I need to engage in a three-way call between them and the receiving bank the confirm that I own the account. It is unacceptable that I can not access my money, and that Marcus engaged in zero effort to contact me to ensure that I have access to my funds. This is a deceptive business practice as they continue to earn interest on my money, as it has presumably been lent to other customers.
Consumer complaint received 2023-06-27
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. (AL)

I mailed out three dispute letters with FTC numbers, police report documents, and a list of fraudulent inquiries on XX/XX/2023. The inquiries have not been removed from my credit report as of yet.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am being pursued by Portfolio Recovery Associates regarding an old account charged off by XXXX. 
The account that Portfolio Recovery Associates provides is # XXXX. 
I have reviewed my credit reports today and I see that Portfolio Recovery Associates listed the account incorrectly and alleged the delinquency date as sometime in XX/XX/XXXX not sometime in XX/XX/XXXX as the documents Portfolio Recovery Associates provided me as exhibit A in their court summons reflect. ( Attached ) So the dispute is they have incorrectly reported this debt as new when it is in fact much older and that is verifiable by their own documents provided to me. 
I provided these documents as part of my recent complaint filed on XX/XX/XXXX regarding this same account. 
Their inaccurate dates imply the account should remain on my credit report beyond the last date of activity, and the entire allegations that I owe the debt buyer anything is thrown further into question because they have shown they are dishonest when reporting dates of delinquency/last action. 
The date they allege the account fell behind is not the accurate date of delinquency, it is the date they ( allegedly ) obtained the debt.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank N.A. is not looking over my complaints, they lied and marked it as a duplicate. They are improperly using my credit report to add item that are violation of the FCRA, USC, CFR, and IRS laws. They closed the complaint ; XXXX. I had no choice but to resubmit the complaint ; XXXX.
Consumer complaint received 2023-02-11
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. XXXX  XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2022-10-17
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. (AZ)

I value your help to remove a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian continues to create deceptive forms with inaccurate fraudulent information has resulted in defamation of my character. Due to that It is causing me to be discriminated against and being denied my right to extend credit. Experian are claim the fraudulent accounts as verified without factual evidence or based on hearsay. I have now suffered actual damages to my reputation, finance and injuries to my mental and emotional health all due to the humiliation of their negligence and non compliance. Per 15 USC 1681o Experian is lawfully held responsible for those damages and I am entitled to monetary compensation for my damages.
Consumer complaint received 2022-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX I receive documents from mail it was Payment History from Bank of America. I have requested payment history for XXXX through XXXX. This is where the Fraud occurred. The Bank has originated date of this loan year XXXX. This Loan has 5 different loan number and 4 different FHA number. XX/XX/XXXX thru XX/XX/XXXX I receive email that my Loan number was changing. The old number is XXXX. The new number is XXXX.Payment history dated XX/XX/XXXX the Loan number is XXXX. Why would the new number be on a XXXX payment history. 
New number wasn't activated until XXXX. This is mortgage Fraud. I found another payment history year XXXX only thing on this payment history is the last 4 digit. 
XX/XX/XXXX Hazard Insurance taking out account the amount of {$3100.00}. XX/XX/XXXX Hazard Insurance {$3700.00} was taking out account. XX/XX/XXXX Hazard Insurance {$2600.00} taken out account. A total of {$9600.00} taken out account within one month for Hazard Insurance!!!!!!! 
( I XXXX XXXX give my wife XXXX XXXX XXXX XXXX speak on my behalf ) My name is on the Mortgage. XXXX XXXX and XXXX XXXX XXXX is on the Deed. I will not sign any documents from Bank of America
Consumer complaint received 2019-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

NCA is reporting an un-verified account on my credit reports. I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. This alleged account is 6 years old past the statue of limitations for my state of GA. NCA deleted the account between XX/XX/2019 and XX/XX/2019 Then re-inserted the account on XX/XX/2019 without me receiving any knowledge of it. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2023-02-11
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$72000.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Account Name and Number : XXXX XXXX XXXX XXXX  # XXXX account has been paid in full, a balnce is still appearing on my credit report. Vehicle has been paid off since XX/XX/2023.
Consumer complaint received 2023-02-11
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. (SC)

Account Name and Number : XXXX XXXX XXXX XXXX # XXXX account has been paid in full, a balnce is still appearing on my credit report. Vehicle has been paid off since XX/XX/2023.
Consumer complaint received 2019-09-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

Aargon Agency inc has an inconsistent credit file on my credit profile for XXXX, while the other bureaus don't report any collections. The creditor is attempting to force me to pay incorrect and false debt to Creditor. After only opening up my credit file again, I noticed that this has been opened since XX/XX/2018.