davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capitol One Auto has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!
Consumer complaint received 2016-01-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I incurred XXXX overdraft charges on my checking account on XXXX/XXXX/15 of {$35.00} each, for a total of {$100.00}. My account was overdrafted by & lt ; {$500.00} on XXXX/XXXX/15. 
I have several account notifications set up through BofA.com to inform me if my account balance drops below {$500.00}, my account overdraws, etc. When I received an email on ( XXXX/XXXX/15 ), I immediately transferred {$1500.00} from my Bofa Savings to BofA Checking ( XXXX linked accounts ). This was more than the overdrafted amount. I still incurred XXXX fees of {$35.00}. 
I called to have these fees removed. The initial customer service rep ( XXXX ) was very pleasant but her manager ( XXXX ) was incredibly rude and condescending. I kindly requested for the overdraft fees to be removed as I had not received any notifications until it was too late. The purpose of setting up the email notifications is to inform me BEFORE fees are incurred, not after. She said that is not their responsibility and told me I needed to have made a cash deposit before XXXX on XXXX/XXXX/15. She did not answer my further questions and hung up on me before our conversation was over.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (IL)

I contacted Experian via email last XX/XX/2021 about the issue of them not reporting my credit history or score other credit reporting agents are reporting my score and my financing institutions are reporting. My complaint also relates to how difficult it is to even contact this company in order to resolve issues such as this I feel that the customer service aspect has been overlooked.
Consumer complaint received 2019-06-18
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. (TN)

cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (CA)

diversified consultants is collecting for XXXX. acct was back in XXXX I had no service or signal so I purchased air wave equipment to obtain signal. XXXX stated I needed a secondary line to connect the equioment. XXXX denied me access saying my account was not eligible. XXXX failed to provide a signal that would allow me to reach any service, therefore I canceled my account. I do no know what charges could of created such a high balance of XXXX I am not liable for any termination fees as XXXX breached their own contract. I am unable to obtain records since my account is inactive status. diversified is only a middle man however such disputed verified acct is damaging my credit and they refused to remove it. this account is also past statute reporting and was illegally reaged.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX, has violated my rights. 

1

5 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
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

I have always made my payment on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2019-06-18
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)

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous..Fix the account XXXX  - CARD SERVICE.. ..please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for
Consumer complaint received 2015-09-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX XXXX debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged Bank of America credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

XXXX insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from XXXX XXXX, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive XXXX XXXX phone calls.
Consumer complaint received 2022-11-08
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (DC)

At this time, CashApp, by way of evasiveness in communication, refuses to acknowledge that I am the owner of a cashtag, $ XXXX. I have mailed them the information with a notarized statement as to my being the person behind the hashtag. They have not responded, which means that they are ignoring the matter or refusing to acknowledge this issue to the point of resolve.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX
Consumer complaint received 2016-03-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I fell behind on my student loans due a sudden and unavoidable debt resulting from vehicle repair in XXXX 2015. As a result I fell behind on my loans by 90 days. Up until this point I was paying on-time every single month $ XXXX/month. I began communication with Navient about this and they provided me with little assistance. They told me that the payments must be made. They would not grant me a hardship forbearance, nor would they let me lower my loan payments at all. Now, as a result of this situation they have begun reporting negatively against my credit and also raised my monthly payment on my loans to over $ XXXX/month. I make $ XXXX/year. How can they expect me to make a payment of $ XXXX/month and still support myself? I need to get to work, eat and pay for gas. I could never afford rent or a mortgage with this kind of monthly payment. I have called them nearly a dozen times about this and they will absolutely not work with me in any way. I just do n't know what else to do.
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (TX)

Yesterday a significant negative report was made on my credit report by someone called XXXX XXXX. Upon investigation, I was told today that they bought an alleged debt from Kendrick Capital Resources. Neither company has any backup for the debt, can not tell me where it came from or what it was for.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

On XX/XX/19 I sent a certified letter to Southwest Credit requesting proof of debt validation. The alleged amount owed is questionable because of the dates of service listed on the bill. Southwest Credit responded to my request by sending a bill summary. On XX/XX/19 I sent a 2nd certified letter requesting additional information due to the debt collectors failure to provide me with proof of proper debt validation per FDCPA. Again, Southwest Credit sent me a bill summary. Southwest Credit is in violation of the FCRA.
Consumer complaint received 2017-09-01
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: EQUIFAX, INC. (NV)

I am filing this complaint because Equifax has fail to provide me with physical documents proofing that they have on file in regards to the Bankruptcy they place on my credit report. I needed to know what was going on with this information and contacted to court and can not get any information. According to Section 611 ( 5 ) ( A ) of the FCRA, all information must be promptly remove if the information can not be verified within 30-45 days. They have ignored my request to provide me with physical proof that their company have on file. Please resolve this matter as soon as possible.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Received a promotional offer to deposit XXXX free miles into my Spirit Airlines account that never materialized despite my opening an account with Spirit Airlines and linking to my XXXX. Never received any additional miles for any purchases for the life of the card. Poor customer service and response time. When I requested to close my account, I was transferred by a rep named XXXX to a woman named XXXX and XXXX told me she could n't assist with that request. Poor customer service is an understatement for this particular credit card company. And false advertising on promotional sign-up benefit.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

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 2019-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (KY)

M & T Bank is adding so many charges to my account, and saying I am behind in escrow, which I confirmed today, XX/XX/2019, with my insurance company I am not behind. I have spoke with the bank about giving me an explanation of charges and they can't seem to. Nor will they do a new escrow analysis to show that I am not behind in escrow. They have done nothing to help or prove anything. XXXX XXXX sold out to them back in XX/XX/2019, and it was the worst decision they ever made.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 
I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2022-05-25
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: Army and Air Force Exchange Service (HI)

The following account Military star was closed and charged off on XX/XX/2019 Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not hav an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : Best regards, XXXX XXXX
Consumer complaint received 2019-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

I purchased the vehicle on XX/XX/2019. The Dealership, The Salesman or The Service Department didnt disclose or put in writing that the crankshaft sensor was defected and faulty and needed repairs. XXXX XXXX XXXX didnt consider my Safety First. On XX/XX/2019 at XXXX miles the vehicle wont crank. It was cold and raining. I didnt drive the vehicle for a week. On XX/XX/2019 I drove the vehicle to church and when I got out of church the vehicle wont crank. I called the Dealership on XX/XX/2019 to inform them that the vehicle wont crank. The Dealership told me to bring it in. You brought the vehicle in on XX/XX/2019 around XXXX XXXX. I asked the Service Department what is the problem because my vehicle wont crank. The Service Department informed me that it was the crankshaft sensor. I asked the Salesman why didnt he disclose or put in writing that the crankshaft sensor was defected and faulty and needed to be repairs before I signed the contract. You sold me a vehicle without disclosing that information. And put my Safety at Risk because the vehicle wont crank and I was stranded. He said that he knew that the crankshaft sensor was defected and faulty and needed repairs. He said that he should have gave us a loaner car. But he never told us about it. I had to found out myself. I called Ally Financial on XXXX at XXXX to inform them about the crankshaft sensor issues and the loan. The representative ( XXXX ) told me that the Dealership has 3 options to give you. 1 ) Canceled the contract because of defect. 2 ) Substitution of Collaleral 3 ) Request for New Contract.
Consumer complaint received 2021-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I do not owe these collection companies and its damaging my credit. 
XXXX XXXX XXXX - {$720.00} XXXX XXXX - {$1100.00} XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX {$720.00} XXXX XXXX - XXXX $ and {$66.00} XXXX XXXX - XXXX
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX, XXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for XXXX year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. 

I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.