davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have worked in banking 15+ years prior to being laid off due to Covid. My joint checking account with my wife is receiving fees although we have contacted the Bank letting them know our unemployment has been delayed and we are struggling to put food on the table. We originally asked for a debit block so that we don't receive fees but because of previous taxes and the pandemic, the account is tied to our money being deposited here and can't close the account. We actually have a XXXX balance of principal but were charged XXXX and then NSF fees on top of them totaling over XXXX . After my grandfather has been in the hospital for 2 weeks I finally get a chance to call the Bank and deal with this - the full negative XXXX $ balance is all fees and not XXXX $ sent to merchants or anywhere else. Bank of America 's solution is a credit line to pay my debt to them ( so they are offering an unemployed person a credit line to pay their fees back to them with no principal balance owed to the account )
Consumer complaint received 2022-07-06
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2021-04-14
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (PA)

I have tried multiple times to resolve errors in reporting. Chrysler Capital has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with Chrysler Capital I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and XXXX correct my pay history to match the accurate information provided. 

I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, XXXX and Chrysler Capital my last request was mailed 45+ days ago
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

Ally Financial fixed the reporting issue with XXXX and XXXX, but they are now reporting my account was closed in XX/XX/2021 with XXXX. Clearly, this is inaccurate and a violation of the Fair Credit Reporting Act.
Consumer complaint received 2016-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (WV)

I was called XXXX 3 times on my cell phone in 1 day, received XXXX call at work in which the gentleman was very rude to my receptionist and tried to say his call was " very urgent '' as well as calling my fiance 's cell phone all in the same day.
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have a had a Target Credit card and have never missed a payment up until recently. I have always been on time and up to date with it and thought that I had set up auto pay back in XXXX to continue making my payments for me. I was under the impression that I had set up auto pay and then recently had received a letter in the mail telling me I missed my payment. I had no idea that my auto pay was off. I am in the process of buying a home and the late payment mark on my credit report is bringing me down significantly. I do not believe this remark is accurate to me and my credit history as I was ALWAYS on time and would pay off my balances is a timely manner. Target had refunded me the late fee already because they understood the mistake and know that is not my history, but is unwilling to remove the mark on my credit report. I really need this removed in order to have a more accurate credit report score. I have no credit card debt and have always been in good standing with the XXXX  company.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had asked for emergency funds thru XXXX XXXX as I had done before and each time it has taken three hours but not this time .. I have put in 5 requests since the first request and was told it would be. 3 to 5 hours., I had been waiting for 24 hours now and still NO XXXX NUMBER each time I have been told that XXXX XXXX NEEDS TO APPROVE the transaction XXXX XXXX XXXX says they are more than happy to send the money but bank of America needs to release the money from my edd account .. they have no authority to approve or deny the transaction and bank of America . My husband and I have been stranded on the hiwat with no gas a flat tire and NO MONEY .. feeling confident this will only take three hours s ..well I have put in 5 requests in the last 25 hours and still have no XXXX XXXX XXXX # and now the XXXX XXXX supervisor at bank of America says XXXX XXXX says there is no guarantee it would get approved ... Approved? Really? It's not like I'm trying to make a loan ... I have more than enough money in my edd account .. so I have no idea what the problem is .... No wonder bank of America made more money in fees and surcharges than California paid out in unemployment benefits ..and there are being sued every day of the week ... Unemployment needs to rethink there strategy on how to deliver benefits because this is INSANELY RIDICULOUS AND UNCALLED FOR. 
So I will sit here in the middle of nowhere with not a cent in my pocket ... I got plenty in the bank and don't need this problem or could be home .. bit no bank of America wants to steal my money to and pass the buck and blame XXXX XXXX?? XXXX .... XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (TX)

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy.

15 usc 1681 section 604 a section 2 It Also states a consumer reporting agency can not furnish a account without written instructions. 

15 usc 1666B a creditor may not treat payment on a credit card account under and open end consumer credit plan as A late purpose.
Consumer complaint received 2022-09-26
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. (MI)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. Please Have XXXX XXXX XXXX XXXX XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations. I also included my FTC FURNISHER VIOLATIONS PAPERWORK AND THE IDENTITY THEFT WITH THEM IF ACCOUNTS ARE NOT REMOVED IMMEDIATELY LEGAL ACTION WILL BE TAKEN AND ILL SUE THE COMPANY AND CREDIT BREAU FOR EACH VIOLATIONS OF VIOLATING MY RIGHT TO THE FULLEST EXTENT.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

On XXXXXXXX XXXX XXXX Equifax reported that Capital One Auto charged off the account and marked me with a missed payment. In reality this account was charged off over two years ago. This action has dropped my score over 50 pts which is hurting my lively hood .... 

I have filed a dispute with the credit agency due to inaccurate info on this account and they came back with this. This is a gestapo tactic...
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX XXXX  XXXX reported thaXXXX Capital One Auto charged off the account and marked me with a missed payment. In reality this account was charged off over two years ago. This action has dropped my score over 50 pts which is hurting my lively hood .... 

I have filed a dispute with the credit agency due to inaccurate info on this account and they came back with this. This is a gestapo tactic...
Consumer complaint received 2019-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

Coinbase insists on clawbacks to my accounts. Their custodial banks refer me Coinbase Support for support but their specialist is unreachable and only sends out automated responses. Much like a robot. It is very frustrating when trying to prove your identity and settle outstanding balances that should clearly be in my favor since all I did was buy coins that went up 30-40 % each. The rest is what they call a compromised account where custodial banks had the privilege of selling and sending my coins to Coinbase without my knowing ; weather or not this was to be profitable to me.
Consumer complaint received 2022-12-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

Back in XXXX I was a victim of identity theft/fraud. I sent in Police Reports and Identity theft affidavit to all 3 credit bureaus and the companies that were reporting accounts on my credit that I never owned or had any affiliation with. I've been fighting with XXXX XXXX XXXX XXXX and XXXX XXXX which charged the debt off and sold it to XXXXXXXX XXXX XXXX XXXXXXXX I was not aware of this company and they haven't sent notification of the debt in which was due to fraud. I haven't received any solid verification from the said companies besides updated and the accounts remain. I'm pleading to have these fraudulent accounts removed from my credit report until I receive solid verification of my signature on the said account contracts. 
I've had a written statement of identity theft on my credit report since XXXXXXXX XXXXXXXXXXXX XXXX Account was opened due to FRAUD please remove this negative account until XXXX XXXX and XXXX XXXX can send me solid proof.
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2021-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Flagstar Bank is who my mortgage is through. I was supposed to have a Covid loan modification done in accordance with the CARES Act. I completed all of the requirements including making a higher modified payment amount and have been told that my loan modification is in underwriting waiting to close for the last 5 months. I found out today ( XX/XX/XXXX ) that it is not in underwriting and that they have been marking my loan as delinquent since XX/XX/XXXX because my documents were received too late. I was initially told that I was missing the suffix from my legal name in a signature and they were sending back new documents to sign. They were returned via XXXX the day after i received them. I have called more than 20 times checking the status and not until today have I found out an accurate status. The escalation specialist " XXXX XXXX, Employee # XXXX '' said he would put the process in motion to get this corrected. I honestly feel as if Flagstar is making an effort to take my home from me. And considering the massive fraud they committed and were convicted for in XXXX, it wouldn't surprise me.
Consumer complaint received 2022-12-16
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. (FL)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

Today, XX/XX/2022 at approximately XXXXXXXX XXXX. XXXX, I called the company to make a payment of {$110.00}. ( Their website for processing payments is repeatedly not working, and when it does, it defaults to posting the payment no sooner than two days from today. That is how they incur additional interests on the loan ). 

Today the agent took my debit card info and then provided me with a confirmation number for a payment of {$290.00}. Again, it was supposed to be a payment of {$110.00}. She apologized for her mistake, put me on hold for approximately 12 minutes, then came back on the line and said " hello, hello, hello '' then disconnected the call. I called back and spoke with a supervisor by the name of XXXX, who informed me he was made aware of the situation and the agent will be held accountable for making the mistake. However all he could do is " apologize ''. I told him the call with the agent is recorded and he could listen to what happened. He/they refused to cancel the transaction or refund the money, until it posts as final to my bank statement 4 to 5 days later. In the meantime I am going to incur overdraft fees and NSF fees from the bank and other merchants. 

This is theft. And I am incurring substantial fees because of their theft.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (IA)

In spite of good credit ( better rating than when I applied for the card ) and zero payment issues with their company or any other creditor, Synchrony Bank, Walmart Credit card arbitrarily reduced my credit balance from {$3000.00} to {$1500.00}. I 've attempted to correct this through them and they only give me the run around and refuse to return it to the limit that was originally issued. They can not specify any reason as to why it was reduced.
Consumer complaint received 2022-07-06
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-06-16
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. (CA)

On XX/XX/2021 I check my credit report and I notice there was some fraudulent account on my credit report. These companies violated my rights. How can a company furnish account on my report without notify me. that's a direct violation of the FCRA.
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I been filing this dispute for about the 3rd time I have not have had any luck with removing the items and its causing me a great deal of stress. ive provided proof and there hasn't been resolved please help me fix this issue so I can try to get a home.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

In XXXX 2016, Credit Protection began reporting a collection account for XXXX XXXX in my name. They have it listed that my delinquency began in XXXX 2016, yet that I was still paying in XX/XX/XXXX, when they began reporting. The inconsistency in the dates alone seems to point to an error in their system. Whether in accepting collection accounts, or in reporting them. I have attempted to dispute this collection account with them, as I should owe nothing to XXXX XXXX, but they have continued to verify it as accurate. They also never informed me of the collection in writing, so I was unable to dispute it before it was able to tarnish my credit. It has been a year now and the account is still negatively affecting my credit score.