davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have a credit card account with Bank of America. I had signed up for autopay. In the XXXX statement, I was charged a late fee on my account. The fee was repeated in XXXX and in XXXX. 

After the first alert, I called the bank and set up autopay again via phone. This call was on a recorded line and occurred between in XXXX and XXXX ( I do not recall the specific date ). Although the representative confirmed that the autopay was set up, it would seem that the autopay still did not go through and I was again charged late fees and the bank ended up reporting my account as past due to XXXX. 

When I found out about the report, I contacted the bank in XXXX to ask why late fees had been charged on my account since I had signed up for autopay. 

The bank notified me that due to an error in their system, my autopay did not go through and hence payments were not being made. Because this was caused by an error in their system, the Bank refunded me the late fees for all three months. I then requested that the bank remove the past due report they reported to XXXX. 

After reviewing my request, the bank declined to remove the report claiming that the reporting was accurate. But by their own admission and the fact that they refunded me the late fees, the bank admits that my account became past due as a result of a glitch in the bank 's autopay system. As such, their reporting on my credit is inaccurate because it was not my fault that the account became past due.
Consumer complaint received 2021-07-30
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: Diverse Funding Associates LLC (PA)

On XX/XX/2020 a collection letter was sent to me by DNF ASSOCIATES add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, DNF ASSOCIATES LLC has violated my rights as a consumer and I'm requesting legal action to remove this account legally
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 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 : {$6500.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Navient is still reporting a past due amount on their website and trying to double collect on agreed upon student loan for settlement with the collection agency XXXX, XXXX, XXXX XXXX. 

In the following attachments you can see the settlement with XXXX, XXXX, XXXX XXXX. You can see the payments reflected in the payment history in the second attachment and how Navient is trying to claim a past due amount. You can see in the third attachment the loan is still showing up for payment on their website even though they said after 2 payments it would be taken down. Two payments would have been XX/XX/2018 and XX/XX/2018 so by XXXX according to them the loan would no longer be showing as past due. 

I spoke to Navient in XX/XX/2018 after reaching a settlement with XXXX, XXXX, XXXX XXXX. I spoke to them in XX/XX/2018 where they re-assured me the payments would be reflected accurately on their website. 

In addition as of XX/XX/2018 I can no longer make payments online to XXXX, XXXX, XXXX  XXXX as I have been doing since XX/XX/2018. According to XXXX, XXXX, XXXX  XXXX Navient won't allow it. So I can only make telephone payments through XXXX, XXXX, XXXX  XXXX with no confirmation number to show proof the payment went through. Instead I have to check back later that the payment posted both in my bank account and on XXXX website. This is absurd and an attempt to prevent me from making payments correctly and on time so they can try to trick me into violating our agreement. 

Navient is making payments difficult via telephone only no confirmation number payments through XXXX, XXXX, XXXX   XXXX, Navient is trying to double collect payments on their personal website while showing the account is past due despite a settlement being reached, and Navient is not accurately reflecting the agreement that was reached via their collection agency XXXX, XXXX, XXXX XXXX on Navients website and has not updated it or removed as they promised in XX/XX/XXXX and XX/XX/XXXX to do so after 2 monthly payments through XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2023-03-14
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. (FL)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXX XXXX  to be removed XXXX XXXX XXXX XXXX XXXX  these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. Experian, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I closed on a Home Equity Line of Credit to pay off debt with my creditors on XX/XX/2023. The Title Company that I used sent checks made payable to my creditors and instructed me to mail them out directly to my creditors. I mailed the checks out on XX/XX/2023. The checks were stolen. I found out that XXXX of these checks fraudulently endorsed and deposited into someone's Bank of America Account. One of the checks made out to my creditor XXXX XXXX posted on XX/XX/2023 in the amount of {$8700.00} and the other check was made out to Bank of America to pay the balance on my credit card with them posted on XX/XX/2023 in the amount of {$7100.00}. I first contacted Bank of America on XX/XX/2023 to file a fraud dispute. I went to a Branch on XX/XX/2023 and contacted the bank several times since then with still no resolution. These checks were made out to my credit card companies to pay off my balances. Bank of America was negligent in allowing someone to deposit these checks into a random account not belonging to the companies that they were issued to.
Consumer complaint received 2021-07-31
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: CITIBANK, N.A. (NY)

Macys/DSNB acknowledged receipt of my dispute on XX/XX/2021 but failed to comply with the requirements to provide me with all of the required disclosures within 3 days under 15 U.S. Code 1681d ( a ) before causing an investigative consumer report to be prepared.

It is stated according to 15 U.S. Code 1682d ( a ) that a person may not procure or cause to be prepared an investigative consumer report on any consumer unless it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made. 

The debt collector did not provide me with any required disclosure prior to causing the investigative consumer report to be prepared. 

Attached are my exhibit to support my claim. They respond to my complaint on XX/XX/2021 alleging that an investigation was launched and closed. They also acknowledged receiving my complaint through the Consumer Financial Protection Bureau on XX/XX/2021 meaning, before preparing the report, by law ; they were supposed to provide me with a disclosure pursuant to 15 USC 1681d ( a ) no later than XX/XX/2021 which they did not do. 

This is a violation under the section.
Consumer complaint received 2023-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MN)

Charter communications said that the equipment was not returned. They turned it over to a collection company called XXXX group eport Number XXXX It was disputed with XXXX and they found that I did in fact return the equipment. They deleted it off the credit report. On XX/XX/XXXX. 
I am a XXXX XXXX  XXXX getting ready to pcs move XXXX and they sold whatever information they had to ENHANCED RECOVERY. They now put this back on my credit report XXXX. XXXX after it was already settled with the previous company. This is not a debt that is owed. I now can not rent and I have a wife with XXXX XXXX XXXX and an XXXX  child.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. ()

I had a PNC account open for years and then switched to XXXX. I left some money in my PNC, like {$300.00}, which PNC started charging account maintenance fees against because I didn't meet the monthly minimum for their account type. 

I stopped using the account in 2021 and left it open just in case. I had called them and told them I'm just leaving it open for access. 

I previously called and thought I had a {$0.00} balanced. I moved to XXXX for work, and my parents addressed received a letter that PNC sent me to debt collections for {$33.00} dollars. I never had someone reach out via email or text where I could be notified and why they let me go below {$0.00}.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full XXXX
Consumer complaint received 2023-07-08
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. (IN)

To Equifax Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-01-09
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. (GA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-24
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: Credit Technology, Inc. (WI)

To Whom It Applies : I saw that two companies have made hard inquiries on my credit report from XXXX and XXXX that I did not authorize, have knowledge of, or consent to : XXXXCREDIT TECHNOLOGY, INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX -- the phone number is disconnected to call and I see on line that I am not the first person they done this to ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX -- I spoke to a company rep and they said they find no record of such activity, and that they are a third party for companies who have clients seeking a home loan. 

I am on hold for XXXX and the rep said they will be right back. That was about five minutes ago. 

These are scam companies in my opinion in light of that stated above.
Consumer complaint received 2021-08-12
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: MoneyLion Inc. (PA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MONEYLION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (VA)

Subject : Dispute and Cease Unauthorized Use of Personal Spiritual Beliefs Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter of extreme importance and urgency regarding the unauthorized use of my personal information for financial gain. It has come to my attention that you have been utilizing my personal information, particularly my spiritual beliefs, without my consent and in a manner that has resulted in monetary gain for you or your organization. First and foremost, I would like to clarify that my spiritual beliefs and the state of my soul are deeply personal and private matters. As such, any usage or dissemination of these aspects of my identity requires explicit permission from me. I would like to emphasize that I have never granted you or anyone associated with you the right to use my spiritual beliefs for any purpose, let alone profiting from them. According to the information at my disposal, it appears that you have been using my spiritual beliefs in a commercial and monetary context. Such unauthorized exploitation is not only ethically objectionable but also legally prohibited. I am hereby notifying you that your actions are in direct violation of my rights as an individual and are subject to severe penalties under applicable laws. As the unauthorized use of my personal information carries significant consequences, I demand that you immediately cease and desist from using my spiritual beliefs, or any other personal information, without my explicit consent. Furthermore, you are required to provide a written statement within seven ( 7 ) days from the date of receipt of this letter confirming that you have complied with my demand and ceased all unauthorized usage of my personal information. I wish to remind you that unauthorized use of personal information is a breach of privacy and may cause significant harm to me, including financial, emotional, and reputational damage. Should you fail to comply with this demand, I will have no choice but to take legal action against you to seek compensation for the damages incurred. Please be aware that the misuse of personal information can result in significant financial penalties, including a fine of {$250000.00} for each instance of unauthorized use. Considering the seriousness of this matter, I trust that you will give due consideration to my concerns and take immediate action to rectify the situation. Kindly provide a written response within fourteen ( 14 ) days from the date of this letter, confirming that you have ceased the unauthorized use of my personal information and will refrain from any further misconduct. Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution. Should you require any additional information or have any further questions, please do not hesitate to contact me using the information provided above.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (FL)

I am writing to complaint to US BANK about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX # XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (NC)

I sent a letter on XXXX XXXX2022 about a HIPAA VIOLATION on my credit report I havent received a response the FCRA states I am required to receive a response within 30 days