davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates (TX)

STAFFORD GROUP ASSOCIA is reporting an account in the amount of {$2300.00} on my consumer credit report. I do Not know this company. I have NEVER done business with this company. I have never signed a contract with this company for anything. I have NEVER given permission to anyone verbally or in writing to pass my information to this 3rd party company.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has been illegally charging me overdraft fees, when my account is not negative. On XX/XX/XXXX, they charged me a overdraft for a bill pay that was not scheduled for that day. They have done this 3 more time, for well over XXXX XXXX I noticed it when I got a email about me not having enough money in my account. When I called they would not verify that my account was negative nor would they let me prove that it wasent, according to my transactions. I caught this early, if not they would be on the way to stealing hundreds of dollars from me without me even noticing.
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-05-06
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. (WV)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WV)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Consumer complaint received 2017-01-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (TX)

My home was reposessed on XXXX/XXXX/2013, by M & T bank out of XXXX NY.XXXX after years of stalling. by M & T Bank non help on refinancing my loan, they kept asking for the some old paperwork over and over till they foreclosed.can you look into this Company for lapse in judgement, to help struggling home owner
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the fair credit Reporting act XXXX Account # 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 + open end consumer credit plan as late for anv purpose.

72 1K
Consumer complaint received 2022-05-06
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: GOLDMAN SACHS BANK USA (AL)

In accordance with the fair credit Reporting act XXXX Account # 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 + open end consumer credit plan as late for anv purpose.

72 1K
Consumer complaint received 2018-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX I noticed on my credit report a 90 late payment notice that was the 1st time I noticed the name Navient, after calling them i found out that they took over my loan XX/XX/XXXX, but no one from Navient reached out to me to setup payments arrangements no agreements was signed nothing until I reached out to them on XX/XX/XXXX and then I gave them my phone number and email address, I asked if there was away to remove the negative reporting on my and report allow me to make payments to bring my account current since XX/XX/XXXX was the 1st time I spoke to someone from Navient, customer service had no response for why no one reached out to me sooner expect that they didn't have my contact info on file, I asked to speak to a supervisor and since XX/XX/XXXX to now XX/XX/XXXX I have been unable to speak to a supervisor about my account, I want to be able to make payment arrangement that I can afford and at the same time since I made the initial contact remove the negative 90 day late payment off my report
Consumer complaint received 2022-05-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I recently sold a home ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and the hole was in me and my wife name. Every payment was sent by us the home owners! There was a overpayment and XXXX  ( PHH mortgage ) refused to make a check out in our name after stating they will. Very bad company.
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TX)

I am filing this complaint because BARCLAYS BANK DELAWARE has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2019-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I have two complaints against Wells Fargo Bank The first complaint is that I have a credit card account linked to my checking account with Wells Fargo with which Wells Fargo has an agreement with me to advance any amounts that are presented to my checking account from my credit card. From XX/XX/XXXX to XX/XX/XXXX Wells Fargo added {$170.00} in overdraft fees to my personal checking account When we having agreement any overdrafts are to be covered by my credit card account. 
And speaking to an escalation 's agent at Wells Fargo I was told that my credit card account no longer overdraft protection linked with my checking account I received zero notification and zero funds return to my account in Lieu of the the checking shortages. Was also told by the agent I never had overdraft protection linked to my credit card account, this is not accurate. 
Wells Fargo Bank did in fact provide overdraft protection from my credit card link to my checking account on XX/XX/2018 for {$270.00}. also on XX/XX/2018 Wells Fargo advanced {$25.00} from my credit card account to cover a shortage. Still Wells Fargo has refused to refund the overdraft fees of {$170.00} erroneously posted to my checking account despite the historical fact they have provided that as agreed for my credit card. 
Also Wells Fargo Bank deliberately posted a credit card payment from my checking account knowing there was {$0.00} in it advanced it against the credit card and still charged me a {$35.00} overdraft fee
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Asset Management Outsourcing, Inc. (GA)

I received letter XX/XX/2021 from collection agency Nationwide Recovery Service XXXX XXXX XXXX XXXX, XXXX TN XXXX, ( XXXX ) XXXX ( XXXX ) XXXX requesting payment {$430.00} for services at XXXX XXXX XXXX XXXX  address not given.This is false information. I have never heard of this company and never visited them. I have visited or entered the state of Tennessee in 40 years or more. In addition to having XXXX as my provider which I provide my card for all medical services, I have military benefits as my husband XXXX with 33 years of service. It was suggested that I pay online to XXXX XXXX XXXX which I did not try or I had the option of mailing the payment. Instead I wrote back to the address requesting detailed about the charges, the company, the copy of an invoice and documention showing this agency authorized to collect in Georgia, my state. I mailed them a certified letter on XX/XX/2021. 
Today I received another letter dated XX/XX/2021 from Nationwide Recovery in a suspicious envelope not showing their name but the same po box that had been applied with a hand stamp addressed to me but the incorrect zip code printed. The letter was in response to my letter. It included a statement from XXXX XXXX XXXX by XXXX, XXXX XXXX XXXX, XXXX, Ga XXXX, Tel XXXX XXXX. The statement listing these charges on XXXXare not included on my XXXX statement. Neither have I ever visited the address XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Ga XXXX .There was a copy or list of the issuance of several state 's license permit but Georgia was not on this list. The Compliance representative signing the cover letter was XXXX XXXX. My address on the cover letter was incorrect. 
While it is frustrating receiving a letter from a collection agency since I have never received in my XXXX years of life, I feel threatened that my name and address are being used for this scam. At this point, I am reluctant to do any investigation on my own for fear that my telephone number or other info could be exposed.
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent my 1st certified letter to Transunion on XXXX.I told them to " investigate every piece of information '' on the accounts I have listed below due to being innacurate reporting. I know that the FCRA has Laws that they must adhere to 15USC 1681 SECTION 602 A States I have the right of privacy.15 USC 1681 Section 604 A section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions and under 15 USC 1681 ( S ) ( 2 ) its there responsibility to make sure no furnisher reports erroneous innaccurate information and then it gets reported on my report. So after a few weeks they sent letter saying that things were verified and nothing changed they didn't supply me with a updated credit report or tell me how they came up with " accuracy '' reporting. But still on my credit report there were things being reported that were innacurate. So I sent a another certified letter on XX/XX/22 requesting that under the FCRA 15 USC 1681 everything has to be % 100 accurate to be reporting on my repor and I asked 1.where is the proof of claim of verification? 2. Why they didnt do a real investigation as Law states they should? 3.Why are they not concerned there in Violation of reporting innacurate information on my report after I brought it there attention. So I wanted a reinvestigation on the accounts I listed that were still showing obviousl innaccurate and eroneous and how its damaging my chances to obtain new credit .And week and half later they sent me a letter saying it was ALL VERIFIED '' and no changes. So after 2 attempts of trying to get them to take me serious and my credit reporting information serious Im forced to come get help from the XXXX  I feel and know I have been totally violated by Transunion. These are the accounts with the obvious errors, innaccuracies. XXXX # XXXX shows closed account but has incorrect closed date, Last activity date wrong, its showing a scheduled monthly payment amount on a closed account. XXXX XXXX XXXX # XXXX pay history dates inaacurate showing XXXX late reporting XXXX XXXX XXXX consecutively in a row. XXXX  XXXX XXXX # XXXX shows closed account but showing a monthly payment amount, no closed date, no date of last activity. XXXX XXXX XXXX XXXX XXXX # XXXX showing payment history dates XXXX XXXX XXXX XXXX late consecutively reporting. XXXX XXXX XXXX # XXXX showing pay history XXXX late consecutively reporting.
Consumer complaint received 2022-05-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

XXXX, XXXX and Experian are breaking the law per 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, XXXX OR EXPERIAN TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! Ive sent certified mails to each consumer reporting agency in which I was ignored and its been well over 30 days! 

Experian - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022 XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit 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: Bread Financial Holdings, Inc. (CA)

I applied for XXXX XXXX credit card for dental work but after I paid early payments before card was used so there's no charge on the card so I want my money back but it's been over 2 months still no money back I've called and message alot of times with no response I told them to cancel my card and give my money back I don't understand why are they trying to keep my money it was the dentist office who messed up over billing at this office
Consumer complaint received 2022-05-06
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. (NJ)

I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission mission identity theft affidavit. remove these items immediately.
Consumer complaint received 2019-10-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO. (TX)

XX/XX/XXXX Applied for credit on Fordcredit.com to finance a vehicle through Ford Credit. 
XX/XX/XXXX At the Ford Dealership in XXXX, they should have been able to pull the original approved application from Fordcredit.com. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. 
XX/XX/XXXX Asked the dealership why my credit was pulled. They said because I authorized Ford Credit, they could do so as well. They said they would not request the inquiry be deleted from my credit history.
Consumer complaint received 2021-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I learned through my credit monitoring company that XXXX XXXX pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation (TX)

I am filing this complaint because XXXX  XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-11-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a dispute on XX/XX/XXXX. It has been over 30 days and I never heard back from XXXX, Equifax, or XXXX. I have attached the dispute letter I sent on XX/XX/21.
Consumer complaint received 2018-04-25
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: EQUIFAX, INC. (CA)

I was contacted by XXXX XXXX on XX/XX/2018, regarding a debit with the original date of XX/XX/XXXX, account number XXXX, the debit is not properly verified as belonging to me, please verify the debit with my signature or remove from my credit profile.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the XXXX  XXXX continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

on XXXX I sent dispute letters to XXXX, XXXX, and Equifax to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within 4 Business Days of receipt. and they weren't 1.XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) 2..XXXX XXXX XXXX 3. XXXX 4. XXXX inquiry on XX/XX/XXXX 5XXXX XXXX inquiry onXX/XX/XXXX 6.XX/XX/XXXXinquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX 9.XX/XX/XXXXXXXX XXXX inquiry on XX/XX/XXXX 10. XX/XX/XXXXXX/XX/XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX Balance : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All XXXX fed loan accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
5. XXXX XXXX Is reporting XXXX late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. and also violating law 15 U.S. Code 1681
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I tried to dispute this error with XXXX and Equifax but they keep shutting my down online with statements about getting a credit report but they wo n't issue it online. The problem lies with the credit reporting agencies ( CRAs ) allowing a junk debt buyer to report accounts under the regular account column versus in the collection account column. There have been numerous complaints about the CRAs and XXXX XXXX XXXX doing this. I just checked my report that I obtained from another source and They are still reporting as a factoring company instead of a junk debt buyer. This has taken a tremendous hit on my credit scores by them reporting this way and I have been denied credit opportunities as a result. The CRAs will not stop them and do not thouroughly investigate the problem.