davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (UT)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681section602A.states i have the right to privac 15 U.S.C.1681 SECTION 604 A section 2 it also states a consumer reporting agency can not furnish a account without ant written instructions
Consumer complaint received 2023-01-14
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 XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # 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. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) 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 ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MN)

I have been double charged for 1 fraudulent charge that they won't drop. Two other purchases I did make were also double charged. 

I owe them {$460.00} cents in charges. I have also been making payments on this amount for 6 months. My balance should actually be around {$350.00} or so with my payments made They say my balance is {$910.00} They did a balance transfer that no one can go back and look at. Before the balance transfer my balance was correct. After the transfer my balance doubled
Consumer complaint received 2022-08-16
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous amount of times.

I demand the accounts listed below be removed According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Account info - XXXXXXXX XXXX XXXX Account number XXXX Account info - XXXX XXXX  Account number XXXX Account info - XXXX XXXX Account number XXXX
Consumer complaint received 2023-01-14
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: Professional Placement Services, LLC (WI)

On XX/XX/2022, I checked my state license requirements for collection agencies and it states that in order to collect from consumers in this state ( Wisconsin ), you must have a license and be bonded. I sent a letter to your company six weeks ago asking that you provide me with proof that you meet my state licensing requirements. As of today, you have not responded. Because of that, I checked your company name to find out whether you were bonded and whether you have a license to collect in my state, and your company name is not in the system. As of right now, your company is violating my states law, and penalties for violating the law are harsh. If your company does not delete the negative information that is appearing on my credit report due to your illegal reporting within 10 days of this letter, I will have no other choice but to seek legal advice and report your company to the Attorney Generals office, the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. 

Account # XXXX, XXXX, and XXXX Are in violation Not only have you ignored my prior requests for validation of the debt letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof that you can collect on a debt in my state -Proof of the date the account went into delinquency -Your Bond ( if required ) in the event I need to seek counsel -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. 

You have violated my consumer rights under the Fair Debt Collection Practices Act These accounts are in violation of : 15 USC 1692c ( c ) Ceasing communication, FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 USC 1681b ( 4 ) Limitation on redisclosure of medical information I am seeking monetary damages for each violation made
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

There are several errors on my Equifax and XXXX credit reports. on my Equifax 1 ) XXXX XXXX acct # XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX acct XXXX XXXX * XXXX. XXXX XXXX ) XXXX XXXX XXXX Bank # 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 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for Credit Acceptance Corp ( XXXX ) in fact the payments that I made where paid on time and in full. Please reinvestigate and provide proof including an audit trail. I am requesting this information within 30 days. The audit trail should include : The account file and original contract that has my signature : Statement of obligation, Deposit statement, Documentary evidence of file for the public and private side or the ledger.
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (IL)

I am writing this letter to dispute my late payment on my XXXX, XXXX, XXXX credit reporting on XX/XX/XXXX with BMW financial service for XXXX days late. I made a payment of {$950.00} from my XXXX XXXX XXXXXXXX bank account on XX/XX/XXXX, in which it shows posted and taking out on the XX/XX/XXXX of my account on my bank statement that is attached below. The payment was posted and within XXXX days before reporting to credit bureaus. I spoke with a BMW XXXX customer service representative on XX/XX/XXXX on a recorded line and he said my payment post on their end on XX/XX/XXXX, which he said is within the XXXX days as well but said its a automated system error and they dont have control over it and I will have to explain and put it in writing with proof. I have never had any issues of any negative reporting/marks on my credit report and do not plan in the future.
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

I had a storage with XXXX  XXXX  I gave him a notice and I moved out half a month earlier and my closing statement and everything was paid for and I was never late with them I dont know why they have sent me to collections Now this shows on my credit report and Im having difficulties renting an apartment
Consumer complaint received 2023-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (IN)

Overview -- -- I'm making this complaint due to Regions Mortgage attempting to force my online payments into being late. This has happened more than a few times, especially when the payment dates fall on XXXX. I have contacted the company over this in the past and they tried to claim I did not schedule the payment " within the stated time requirements '' and here we are again. Obviously they have still not corrected the problem, as today I HAVE again met their time requirement for the payment to be posted on XX/XX/XXXX. -- -- - XXXX  ( XX/XX/XXXX ), I logged onto the Regions Mortgage website at about XXXX XXXX XXXXXXXX to schedule a payment that is due by XX/XX/XXXX to be considered " on time '' -which MUST ALSO be scheduled before XXXX. XXXX ( see below ) However when I attempted to select the payment date or date for automatic withdrawal from my bank account, I could not select today nor any date before XX/XX/XXXX, well after the " on time '' due date. -- -- - This is in direct conflict with the statement on the bottom of the Regions payment webpage that reads : " All requested transactions ( i.e. payments and cancellations of payments ) must be submitted by XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXo be effective for such day. '' I have attached a screenshot of my payment showing this information along with the receipt showing the transaction information. -- -- - The last time I checked, XXXXXXXX XXXX XXXX, is well before XXXX XXXX XXXX  it is XXXX, and therefore the payment date of XX/XX/XXXX should have been available for selection according to their requirement. -- -- -- I have had many problems with Regions over the years including my refinancing in XXXX, where the Bank Loan Officer kept calling my employer on a weekly basis for 6 weeks to re-verify my employment. Very embarrassing and bordering on harassment, I complained to her regional supervisor and he made her stop waiting to close the loan. After that I will NOT allow any issue to go unreported, especially one that could cost me a late fee and a late mark on my credit report. I have not had any late payments in over 4 years. -- ---
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Balance XXXX ; LAST Contact was today where I was informed of their offset after the fact. XX/XX/2023. 

XXXX XXXX is the business account ending in XXXX XXXX card business as I obtained a business credit card; used it paid for 4 years at users rates. I couldnt pay XXXX ruined our business. I called them and told them I could pay XXXX a month till it was paid off. They said XXXX I tried but I am Paying this from my w2 income I work 11 hours a day for. I couldnt pay ; I was told they would charge it off if I missed toe pYemwbts. I got calls from the bank I said I just cant pay and when I can I will. Two days ago with no notice the bank withheld the amount of the credit card from my business bank account. I called today was told that they cant reverse it. I explained that money in the account is the capital account of the other partner and I would have to pay it back to him. I was never advised that there was a right to offset with Wells Fargo or I wouldnt have obtained the card. I was told the only way to negotiate a payment amount less than the full amount was to be delinquent multiple months. I was set up to become delinquent thinking it would give me leverage but it was all so they could offset. I was told they could offset my personal accounts. They have taken the XXXX from the bank account with no prior notice ; no judgment etc.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-21
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. (IN)

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. 

XXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT - # XXXX has violated my rights. 
XXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 


15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any

consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 168c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 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 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I logged into my XXXX account on XX/XX/2017 only to see accounts and a social security number that did not belong to me. I immediately contacted XXXX of this situation I sent in my social security card my driver license and a credit card bill. it was fixed and then for me too log back into my account to see this other social security number again associated with my information. I am more than willing to take further actions and go to court to get this matter resolved.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX , MD XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 2018-12-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo now has an overdraft policy where if your account drops below XXXX dollars, you have until the end of the same business day to deposit money to bring the account into thr positive without incurring overdraft fees. I received an email from Wells Fargo yesterday stating that my account had reaached XXXX dollars. I immediately transferred the balance ( plus {$6.00} ), from my joint account ( which is attached to that one ). Today I was notified that I had three overdraft charges because the funds hadnt posted yet. This seems like a manipulation of when specific transactions post, since there is no reason it should not have posted by now when the other transactions have. At {$35.00} each, the overdraft fees overdrafted my account again! I spoke with two customer service representatives at Wells Fargo- one who wasnt even aware of the grace period where you can deposit money into your account before the end of the business day. She offered me, at best, a courtesy of 50 % off of each overdraft fee, which she assured was the best they can do. I barely said I guess ... and then once she transferred me to a higher-up, he made it sound as though he could have had the fees reversed, but they were locked now because she put the 50 % courtesy on them. What courtesy is it to pay {$53.00} for overdrafts that I covered??? I thought Wells Fargo was sued over flaky overdraft tricks like this. Im a XXXX XXXX, and at certain times in the month my account balance is close to {$0.00}, but I am always cautious and transfer money into it immediately when I see its low. I believe Wells Fargo intentionally pushed through those three transactions before my deposits so that they could charge me three times. They should make this right and completely reverse the fees instead of pretending theyre doing me a courtesy by charging me for fake overdrafts.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC (CA)

Hello, I signed up for clear one advantage. They are a debt reduction program meant to negotiate with your creditors for you. I have them {$510.00} for 6 months. They made a settlement in XXXX with XXXX XXXX  one of my people I owed money. I had to miss one payment and they said it was fine. Suddenly on XX/XX/XXXX I get a threatening call from them telling me to pay them {$210.00} or XXXX XXXX would drop the settlement. I was given until XX/XX/XXXX and suddenly on XX/XX/XXXX clear one advantage  sent me an email saying XXXXXXXX XXXX dropped the settlemnt and they had given away my entire {$2700.00} and that it would not count towards the settlemnt but to the original amount owed. I contacted XXXXXXXX XXXX to continue the settlement because I never gave permission to give all my money away plus I planned on paying them literally on the XXXX as it was my pay day which clear one knew. Well XXXX XXXX said they only made 2 payments of {$210.00} and nothing else was given to them. So clear one advantage had stollen my money and lied about it. I have contacted them multiple times a day every day since they refuse to answer any questions. They wont even talk to me. It is clear that clear one is stealing money from people who are in heavy debt. They didnt even do anything for me! Not one debt was settled alll they did was collect my money for 6 months which I could have done on my own. This sounds criminal and I contacted the police who want me to take it to court but I dont have money to do that. I am already broke and now my credit score is slammed thanks to clear one telling me not to pay my bills for 6 months. They have put me in ruin. I am about to have to leave my apartment and I cant rent a new one thanks to my credit score being depleted. They have literally robbed from someone who had nothing and is now in danger of being homeless. Please help! also I called XXXXXXXX XXXX and they told me they did not give them any money at all and that clear one advantage lied. Oh and they are never available to talk. They hang up on you and they wont respond to emails or texts. I have been trying to find out where my money went and they refuse to talk to me.
Consumer complaint received 2018-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (VA)

Gatestone has been calling me repeatedly starting on XX/XX/2018. They were calling 2 to 4 times a day from different numbers. They were also calling my XXXX year old daughters phone. I called them to find out what it was about, was told it was an XXXX XXXX XXXX bill. I asked them to send me a paperbill, they said they had although I have not seen anything from this company. They refused to send me a paper bill and informed me if I hadn't received their letter it was my problem.