davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XXXX of 2016 Bank of America reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, Bank of America failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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: BYL Collection Services (GA)

I received a notification that a new account was reporting to my credit report. Upon investigation, I noticed that this is regarding an account/debt that I have NO knowledge of. I have never received any correspondence from this BYL regarding said so-called debt. I have never lived at XXXX XXXX ( located in XXXX, GA ) or ever signed a lease with this company. I have never lived in XXXX GA. I want this removed from my credit report ASAP.
Consumer complaint received 2023-08-16
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 — Investigation took more than 30 days
Company: DISCOVER BANK (SC)

I filed a dispute with the company in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results. The company received my disputes on XX/XX/XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company, The FCRA gives the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2023-04-05
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. (NY)

As a consumer, I am writing to express my deep concern and frustration regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am absolutely appalled to discover that my privacy has been blatantly disregarded and my personal information has been mishandled without my consent. 
In accordance with the FCRA, I have discovered that 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 
2. XXXX And XXXX - AccountXXXX 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 
3. XXXX - Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Have all violated my rights as a consumer. This is a serious matter that should not be taken lightly. My fundamental right to privacy has been breached, and my sensitive information has been exposed without my permission. This is a clear violation of 15 U.S.C. 1681 section 602 A, which explicitly states that I have a right to privacy.

Moreover, 15 U.S.C. 1681 section 604A section 2 clearly outlines that a consumer reporting agency can not furnish accounts without the written permission of the consumer. This means that these accounts should not have been reported without my explicit consent, and the fact that they were is a clear violation of the FCRA.

In addition, the same accounts are being reported by different companies with balances, which is another violation that is extremely damaging to say the least.

A Companies Policies and practices DO NOT override Federal Laws.

I urge you to take this matter seriously and take immediate action to rectify the situation. My rights as a consumer should not be disregarded, and I expect to be treated with the respect and dignity that I deserve. This violation of my rights is unacceptable, and I expect a prompt and satisfactory resolution to this issue.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX PNC allowed my business checking account to be charged by XXXX even though I did not have any funds in my account. They charged and overdraft fee and then days after charged additional over and over until my balance bacsme - {$220.00} overdrafted. I spoke with someone about getting the overdraft fees waived and their customer service reps tells me that they can not waive the fees. Now my account is closed as of today. I really need my account to be reopen if possible but I am not paying {$220.00} worth of overdraft fees which I feel is not fair at all. PNC please work with me to slice this issue and restore my account again. I also have a negative balance on my personal account as well and need to get those fees waived so I do not lose my account. My direct deposit will be coming to my personal account on XX/XX/XXXX.
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

I am an ID Theft Victim and reported my consumer statement on XX/XX/XXXX to advise the credit bureaus of my status and findings. 

The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. 

Here is the debt collector information reporting on my credit that I am looking to dispute : Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX Portfolio Recovery Associates Account # : XXXX Date Reported : XX/XX/XXXX I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
Consumer complaint received 2019-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I owe about XXXX on this car that I verbally told take due to I was having several cat problems and issues that I felt I should not be paying monthly for a used car thats having so much trouble. SANTANDER consumer has taking this car for over 7 years now. They are lingering and haunting my credit like they dont have a life breath to just not get off my credit. I dont letters but I get phone calls from XXXX XXXX which they are the ones working with them. I think this is fraudulent information that should of been removed if there is no communication from this company. I am going to get lawyer cause there are lots of people with this same issues with SANTANDER better known as XXXX XXXX. They are high robbery and scammers. They want to stay on your credit report for life not 7 years. I want this company REMOVED or I will settle this in court. I dont even have an account number or loan information no more. I am sick of it. By law it should be removed if no communication whatsoever from this company.
Consumer complaint received 2019-04-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Company Name XXXX XXXX XXXX XX/XX/XXXX certified mail. I mailed a letter to the creditor and they signed my certified mail and no response back from them. XX/XX/12/19 certified mail to follow up on XX/XX/XXXX dated mail I mailed a second letter and still heard nothing back from them. The amount is {$800.00}
Consumer complaint received 2019-09-21
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. (OH)

My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER NO CARD XXXX XXXX  ... XXXX AUTHORIZED USER
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: The Best Service Co.,Inc (NM)

THE BEST SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX OR XXXX Partial account # XXXX Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Address ID # XXXX Terms : 1 Months Original Creditor : XXXX XXXX XXXX XXXX Monthly payment : Not Reported Type : Collection Credit limit or original balance : {$460.00} Payment history : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX is saying that the checking account was charged off and is listed as account closed on XX/XX/XXXX due to account abuse but I didn't ever commit such acts. They only paid for ( 1 ) EFT TRANSACTION MERCHANT : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX CK # XXXX AMOUNT : {$340.00} DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX WAS OPENED AROUND XX/XX/XXXX AND WAS DONE COMPLETELY ONLINE. THEY BLOCKED MY ACCESS FOR SECURITY REASONS AND I HAVE NEVER BEEN ABLE TO USE MY DEBIT CARD NOR HAVE I EVER RECEIVED ANY MONTHLY STATEMENT FROM THEM. IT'S LISTED TWICE UNDER THE BEST SERVICE COMPANY DEBT COLLECTOR. THE 1ST ORIGINAL AMOUNT OF THE ACCOUNT WAS {$5800.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$7900.00}. THE 2ND ORIGINAL AMOUNT OF THE ACCOUNT WAS {$1200.00} AND AS OF XX/XX/XXXX THE AMOUNT IS {$1300.00}. THEY JAVE COMMITED FRAUD/UNAUTHORIZED SERVICES AND I HAVE IT ON MY XXXX   CREDIT REPORT AS SUCH ALONG WITH A FRAUD ALERT ON ALL 3 CREDIT REPORTS THAT I'M A VICTIM OF IDENTITY THEFT/FRAUD.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TX)

On XX/XX/2019 at XXXX XXXX. PDT, an unauthorized ATM card withdrawal from my checking account was conducted at the US Bank branch ATM in XXXX, California. I am a US citizen but one of my checking accounts is held at the XXXX XXXX XXXX in XXXX, XXXX, so the transactions are recorded in my bank records in XXXX  XXXX ( CNY ). The amount was debited was XXXX CNY   ( approximately {$300.00} USD, based on exchange rates as of XX/XX/2019 at XXXX XXXX. PDT ), along with a XXXX CNY   foreign transaction fee ( approximately {$4.00} USD ). Then, a second unauthorized ATM card transaction of XXXX CNY ( approximately {$810.00} ) USD ) was conducted at the same location on XX/XX/2019 at XXXX XXXX. PDT, along with a XXXX CNY foreign transaction fee ( approximately {$9.00} USD ). My card was not stolen, as it was in my wallet, which was in my possession over 6,200 miles away. I have tried to remedy this situation through US Bank, but they refused to help me. Per the XXXX  XXXX XXXX in XXXX, XXXX, I have dually notified the police but they have not found a solution to my case as of today.
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (TX)

I have repeatedly asked for my XXXX, XXXX and XXXX   accounts to be updated to paid as agreed with my mortgage office Seterus , INC . I have made on time payments and asked for goodwill removal of late payments from XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I am trying to get a business loan to grow my company and the late payments are hurting my ability to apply for more credit.
Consumer complaint received 2019-09-21
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. (CA)

Experian refuses to correct one of my addresses. It had one of my addresses wrong five times. I notified it that none were correct. They did not fix it. Instead, they deleted my address altogether and closed my dispute. I was told over the that they would correct it and they didnt. I wrote a letter and they refused to fix it. I called again and gave them the correct address and they added three addresses that do not belong to me. They wont take my call. When I enter my social security number, Im told I have to submit another letter. Each time I applied for a loan, I am asked to provide my addresses and each time I am told that I have to give an explanation of all the wrong addresses or I am confronted about why I left one of those bad addresses out. I am made to feel like a liar. My XXXX XXXX dropped. My first request was made over 90 days ago. 

Experian Report # XXXX
Consumer complaint received 2019-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (NJ)

Westlake Financial Services is subprime auto lender which illegally harrasses customers. The minute your payment is late they repeatedly robocall from hundreds of different phone numbers. Couple months ago they called my cousin also my boss and credit reference and discussed my late payment without my permission. I expected bad service with my credit situation but this is beyond acceptable behavior. CFPB fhas already filled consent order for these practices but they continue to violate every right afforded by your agency.
Consumer complaint received 2019-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I went to court and I was never asked if I understood why I was there of if I understood the English language. I speak XXXX and I could not comprehend what went on during the court proceeding. The account related to the issue is as follows Account Name : MIDLAND FUNDING Account Number:XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened:XXXX Status Collection account : {$1100.00} past due as of XX/XX/XXXX. 
Status Updated:XXXX Balance : {$1100.00} Balance Updated:XXXX Recent Payment : XXXX XXXX  Monthly Payment : {$0.00} Original Balance : {$1100.00} Highest Balance : {$0.00} Terms:1 Months On Record Until : XX/XX/XXXX ...
Consumer complaint received 2022-07-18
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. (PA)

XXXX XXXX XXXX 2 LATE PAYMENTS REPORT IS INNACCURATE UPDATE TO PAID AS AGREED LATE PAYMENTS ARE INNACCURATE
Consumer complaint received 2023-04-05
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)

Attached you will find the notarized AFFIDAVIT OF FACT regarding the violations TransUnion did, and why. 

XXXX : XXXX
Consumer complaint received 2019-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Uptain Group, Inc. (WY)

I have never once received a phone call or a piece of mail stating that I owed anyone anything. I found out only years later by my credit report. I had Medicaid but later moved out of state. By the time I found out anything went wrong with billing it was already in collections and too late to fix and I didnt know you could dispute. I contacted my lawyer to make a settlement because I was also recently divorced with XXXX kids on my own and not usually receiving child support so I didnt have much money. He sent a letter on XX/XX/2018 and we have never heard anything back
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I have already filed a complaint on XX/XX/2019 under my name XXXX XXXX, however I forgot to provide my credit card number and I didnt know how to transfer my XXXX photos to my laptop, so please find my complaint and ad these photos an my c/c number to it. Id appreciate it. The complaint will match these photos. Thanks, XXXX XXXX. XXXX XXXX. My card number for Commenity Bank ( Victoria Secret ) is XXXX under XXXX XXXX.
Consumer complaint received 2019-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (NJ)

Pressler Felt and Warshaw LLP, located at XXXX XXXX XXXX in XXXX, NJ contacted me via mail on or about XX/XX/XXXX about an alleged debt of {$570.00} and said I was being sued. They asked me for an answer. I did not recognize this debt, so that was my answer, at which time I requested supporting documents to identify the debt, which they failed to send. I also informed them that I was the victim of identity theft and online stalking, which I reported to an FBI agent, to which he will attest. In response to my answer, all I was sent was a court date and asked for proof of who stole my identity. This is deceptive, as I dont know who stole my identity. If I knew, Id be suing them, but they did it through internet phishing and doxing. Pressler Felt and Warshaw is pretending they dont understand this and insist that I report the person who stole my identity. Since they dont seem to understand this and XXXX County gave us a court date on XX/XX/XXXX, I figured I would explain this at the time and provide them with the contact information of the FBI agent Im working with to resolve it. All of a sudden, today I received a letter from Pressler Felt and Warshaw stating that Im not entitled to a trial and that they dont feel I deserve an opportunity to present my case to a judge. Isnt that my right as an XXXX? Furthermore, they had 30 days from the day of my answer to provide me with supporting documents and they finally sent me some ... today. Its been long over 45 days and still, theres no proof of anything. No signatures from me. They just dont want to go to court because they know they are lying and their sheet of facts leaves out much of the above. Now theyre saying I have 10 days to provide another answer or theyll ask for a default judgement. Why cant they just wait until the original court date of XX/XX/XXXX? What are they trying to hide? They know this gives me no time to get a lawyer who will likely win in court. This is all illegal and unfair. I have come to find out there are hundreds of complaints and a class action suit against this Pressler Felt and Warshaw.