davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (TN)

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, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; Discharged XXXX : Bankruptcy Reference Number XXXX ; XXXX Filed : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX  XXXX XXXX , WI XXXX ; XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ;
Consumer complaint received 2020-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2022-02-15
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. (AZ)

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Close : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Late Open : XXXX XXXX XXXX Balance : {$2200.00} XXXXT XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2700.00} Date XXXX Charge-Off : XXXX XXXXXXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OR)

Specialized Loan Servicing ( SLS ) is claiming my loan is delinquent when it is not and I am still in the 60 day RESPA new loan servicing window. 

Upon closing our refinance of our mortgage with XXXX XXXX on approximately XX/XX/2021, the loan was established for servicing with XXXX XXXX XXXX ( XXXX ). XXXX sent us a request in early XXXX for first payment due XX/XX/2021. I submitted a payment that arrived on XX/XX/2021. This payment was applied as a principal-only payment by XXXX, XXXX I did not requested it as a principal payment and sent it to the address for standard monthly payments. On XX/XX/XXXX, I requested the payment be reallocated to a standard mortgage payment of principal+interest for XX/XX/XXXX due date. 

I received notification in the postal mail from XXXX that my loan was being transferred to Specialized Loan Servicing ( SLS ) from XXXX on or about XX/XX/2021. On or about XX/XX/2021, I received a noticed in the postal mail from SLS that my loan had been transferred to them for servicing. On XX/XX/2021 at XXXX a representative from SLS called me to inform me that my loan was delinquent with them. I would not speak to them on a recorded line, so they requested to call me back on an non recorded line. At this time, they have not contacted me again. I am aware that under RESPA I have 60 days to make payments to the original processor of the loan, and the loan is not considered delinquent until 14 days after the due date. This behavior is abusive and misleading to consumers.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

Charging me XXXX dollars for not having money on my bank account I recently lost my job and my account dipped below XXXX for a day and I was charged making it hard to make ends meet XXXX they ( TD bank ) are blocking me from using 3rd party apps from accessing my financial information MY INFORMATION
Consumer complaint received 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2020-07-26
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. (VA)

I have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 1. # OFFICE OF THE ATTY GEN # XXXX 2. # OFFICE OF THE ATTY GEN # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX  # XXXX 5.XXXX  XXXX  XXXX  # XXXX 6 . XXXX  # XXXX 7.XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX 8.XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX Equifax 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.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-13
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 ACCT # XXXX XXXX XXXX XXXX XXXXXXXX : Has violated my rights 15 USC 1681 section 602 A states. I have the right to privacy 15 USC 1681 section 604 A section 2 also states consumers agency can not furnish a account without my written instruction
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

BULL CITY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX has repletely sent collection notices ignoring my dispute with proof of insurance & self pay payments. I sent all prof to all 3 credit bureaus as well as Bull city, the credit agencies did their investigation and deleted/updated my reports. Now Bull City keeps deleting the account from my credit and then reporting the account to my credit. The latest report to my credit was on XX/XX/XXXX. 
I originally sent all proof to original creditor on XX/XX/XXXX, my 1st collection letter was sent on XX/XX/XXXX and on XX/XX/XXXX I responded with copies of all payments. I sent the credit bureaus my proof on XX/XX/XXXX and shortly after the account was removed. Since then Bull City keeps removing and adding the account to my credit. 
I wish to file a formal complaint as I have sent proof of payment to all involved, and after investigation it was determined account was in fact paid in full and Bull City is stil trying to get me to double pay as well as destroying my credit with the constant report/remove/report that they are doing.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 1. # OFFICE OF THE ATTY GEN # XXXX 2. # OFFICE OF THE ATTY GEN # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX  # XXXX 5.XXXX  XXXX  XXXX  # XXXX 6 . XXXX  # XXXX 7.XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX 8.XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX TransUnion XXXX 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.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-31
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. (GA)

I was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$41.00} XXXX XXXX XXXX {$6700.00}
Consumer complaint received 2018-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I emailed Bank of America ( BofA ) on XX/XX/2018 and have yet to receive a reply. The was was directed towards XXXX XXXX XXXX, Vice Chairman, Bank of America and I copied XXXX XXXX, Chairman of the Board and Chief Executive Officer, Bank of America. The email addressed my concern whether BofA is discriminating against lawful business. A copy of the aforementioned email is copied below : It read that the Bank of America plans to stop lending to manufacturers of " military-style firearms '' used by civilians. Why would a respected company, such as yours, discriminate against lawful businesses? I can imagine you might have reservations lending to companies that deal with, for instance, XXXX that is legalized in some states but is not decriminalized on a Federal level. However, these businesses that you now target conduct lawful business which is still protected by the 2nd Amendment included in our nation 's Bill of  Rights. These " military-style firearms '' are not military weapons and can legally be purchased by law abiding citizens who pass the ATF Form XXXX, Firearms Transaction Record ( Form XXXX ), background check.
Consumer complaint received 2018-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

collection agency has account on my credit report ( XXXX and XXXX ) stated i owe {$430.00}. original creditor : XXXX XXXX XXXX, open date of XX/XX/2017 XXXX & open date of XX/XX/2017 on XXXX, account # XXXX, IC System XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX. Disputed account and stated the debt was not my debt with no resolution and removal from my credit reports
Consumer complaint received 2018-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

I do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Attorney General is reporting that my account is delinquent and that I owe a balance. The child that it's reporting on is in my XXXX and has been since XXXX of XXXX. I called in XX/XX/XXXX to request a modification and nothing happened. I called again in XXXX to request a modification again. They agreed and asked if I wanted the payments to be held or to be continually dispersed to the other parent. I asked that they be held. The payments have continued to come out of my paycheck and held by Attorney General until the case could be closed. The problem is that even though they are garnishing payments from my check and holding them, they are also reporting the payments as delinquent since XX/XX/XXXX. I called XX/XX/XXXX and asked that they stop reporting negative and balance owed. They said to just dispute it and they would correct it. I have disputed 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are still reporting delinquent and a balance owed. 

In the mean time me and the other parent signed to have payments stopped in XX/XX/XXXX. I was told 3 months max would correct everything. I called in XXXX to see what was going on and was told at that time that aa lawyer didn't like the agreement a denied it back in XX/XX/XXXX. I sent a complaint and was told they would push it through. 
I called XX/XX/XXXX and was told that a judge signed the agreement on XX/XX/XXXX and they were awaiting the documents from the district clerk. I called XX/XX/XXXX and now they're saying they don't have a record of a judge signing anything.
Consumer complaint received 2018-04-29
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

I was shocked when I reviewed my credit report and found three late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I submitted a request back in XX/XX/XXXX to deactivate the overdraft protection between my checking account and a credit card account I have with USAA. The overdraft protection did not work as I thought it would ; it offered no financial benefit to me and it actually cost more money to utilize. On XX/XX/XXXXthere were financial transactions that processed on my checking account. I realized there were not sufficient funds in the account to cover all the transactions, therefore I transferred money from my savings account to cover the transactions on my checking account. Inadvertently, USAA utilized the overdraft protection, which I was not aware remained active on my account. OnXX/XX/XXXX I was advised by XXXX XXXX that he would resolve this matter. Since that time I have left weekly messages for XXXX XXXX, with no response. Additionally, my credit card was assessed additional interest fees onXX/XX/XXXX USAA did credit the interest that accrued for the month of XX/XX/XXXX.
Consumer complaint received 2021-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I was scammed on XXXX for the total amount of {$600.00}. Charges were made in the amount of {$250.00}, {$150.00} and {$200.00}. I was supposed to receive a service and never got it. XXXX XXXX   admitted the person was a scammer and didn't do anything about it. This happened around XX/XX/XXXX. My bank denied my claim because I did authorize the charge, however it was a scam. I also received a generated email that looked like payment was sent from XXXX that said money was sent, which is why i believed it to be real.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently submitted a complaint through the consumer financial protection board stating that I requested a copy of the report the Trans Union received from my bank XXXX XXXX  XXXX. Trans Union refused to give me that report so I filed a complaint with you folks. Trans Union responded that this is a duplicate of a previous complaint. Please produce the previous complaint where I asked for a copy of the statement from XXXX XXXX   stating that I was delinquent on a payment The Trans Union claims to be in possession of. I wish sleeping dogs could live as good as Trans Union
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I owed {$24.00} on a Citi Bank Shell gas card and believed that I had paid it. When they sent an email notifying me and I discovered my mistake, I paid it on XXXX and attempted to call customer service but was unable to speak with a representative so I sent a note asking them to waive any late payment fee. My next bill added a fee of {$26.00} and finally a fee of an additional {$40.00}, which was eventually removed. I sent a letter of appeal on XX/XX/XXXX explaining that it seemed ridiculous to charge more in late payment fees than the initial bill that was owed. When I finally was able to speak with a representative, she explained that the {$40.00} was removed but that according to their policy only one fee could be credited. My argument was that it should have been the original {$26.00} and that I had sent a note asking for it to be removed. I was told that notes were not accepted and that I should have spoken to someone, which I tried to do. As a result, my XXXX XXXX has been affected for a XXXX XXXX payment that was mistakenly passed due but paid. It was my first late payment since getting the card in XXXX. It is insane that late fees should ever be higher than what is actually owed.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Was charged multiple overdraft fees for XXXX transaction, Wells Fargo would not re em nurse and would only give a tiny amount back ( {$3.00} I believe ). This happened XXXX separate times over the last XXXX  years.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is creating undue stress, and I implore you to quickly correct it by ensuring my records are updated accordingly.