davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
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 (GA)

EXCESSIVE late fees/overdraft fees/NSF fees linked to three checking and 3 credit card accounts with Bank of America. In the past month, I have  incurred over {$1000.00} in fees and the bank is refusing to return nearly {$600.00} across all accounts with over a 11 year relationship with them, despite being told conflicting information from different reps. Many of the resulting fees are not even due to a fault of my own ( the bank ordering transactions to increase the amount of fees they can charge, cashing " bill payments '' BEFORE I the due date in online banking ) which have a snowball effect of EVERY OTHER TRANSACTION, resulting in the never-ending XXXX of fees. 

Additionally, I have been being charged ATM withdrawal fees and a hefty safe deposit box fee which are supposed to be membership " perks '' based on my accountI had received in the past.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

On XXXX-18 my lease with GM Financial was closed as a result of GM doing a buy back on my car because of mechanical issues. The account was paid off by GM when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from GM showing I have a {$0.00} payment and 0 payments left on my account. I called GM approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, GM reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with GM and have not recieved a response. I also contacted XXXX who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

I was XXXX someone esle had access to my account i filed a claim it was denied well Fargo asked for documentation I sent in the documents proving I was XXXX  and they still denied me my name is XXXX XXXX
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

After purchasing a XXXX XXXX XXXX XXXX # XXXX, from XXXX XXXX many problems started to accrue with the braking system and noises coming from the back end of the vehicle. I called to have the vehicle inspected/serviced on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would have to drop the vehicle off at the XXXX XXXX XXXX. for at least a day or two, meanwhile try to find another form of transportation because XXXX would not give me a loaner car. XXXX serviced the vehicle, but it never fixed the problem as there were still noises, etc. After dropping the vehicle off for an inspection on XX/XX/XXXX XXXX said they would replace the brakes but that they did not have them in stock, would have to order them, and it would take six months for them to come in due to being on backorder ( I found out in XXXX of XXXX that the breaks were never ordered as XXXX " forgot '' to place the order for them ). 
I sent XXXX XXXX a certified letter on XX/XX/XXXX notifying them that I was refusing to pay for the vehicle until it was fixed and drivable. 
I opened a Lemon Law suite case on XX/XX/XXXX Case # : XXXX asking for a 'request for repurchase ', XXXX XXXX my case manager who did absolutely no investigation and made the decision to deny my suite within seven days ( I have all the communication emails between XXXX and I if needed ). 
I then appealed the Lemon suite decision to the NCDS on XX/XX/XXXX Case # : XXXX, which I was also denied a repurchase on XX/XX/XXXX. 
I have sent complaints about this account to the Attorney General 's office ( XX/XX/XXXX File # : XXXX ), the XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX and the Federal Trade Commission ( XX/XX/XXXX File XXXX XXXX XXXX ) ; both the XXXX  and FTC never received responses back from XXXX. 
I've called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX asking them to come reprocess the vehicle with no response back from them.
Consumer complaint received 2018-08-27
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. (GA)

Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

I received a letter from Synchrony Bank regarding a dispute in the amount of {$270.00} which was supposedly refunded '' on XXXX XXXX for merchandise that was sent back/not received, and it appears that the amount in question was charged back to my account on XX/XX/2022 even though I was refunded ( according to the statement and company letter ), on XX/XX/2022 not XX/XX/2022. The letter seems to indicate that the charge of {$270.00} was refunded twice, But I see '' NO '' record of that on most recent statement ( see attachments ). I see One refund on XX/XX/2022 in the amount of {$270.00} and then a reversal for that amount, added back to my paypal credit account on XX/XX/2022. So Apparently I got the credit for merchandise not delivered/received ( {$270.00} ), billed back even though it was refunded XX/XX/XXXX, because the merchant " refunded '' the amount for item not received. I was refunded the correct amount on XX/XX/2022 then I was charged for a purchase on XX/XX/XXXX in the amount of {$270.00} ( doesn't show merchant details ), which I did not order anything on XX/XX/2022 in the amount of {$270.00} from anyone on that date in XXXX XXXX, CA. So, I have been charged " twice '' for something that was refunded on XX/XX/2022 in the amount of {$270.00}, then again on XX/XX/2022. 

Also, the present balance on account is " NOT '' accurate. ( see attachments ).
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX. # XXXX, has violated my rights by reporting its fraudulent, identity theft, debt buying account to XXXX, and XXXX credit bureaus in an effort, to knowing collect a debt it is not owed. I have no open accounts with XXXX, nor have I ever done business with XXXX. I have disputed this fraudulent identity theft account before in an effort too permanently remove it from my credit bureau reports. When I dispute it is removed and then put back on my credit reports again. I have requested a copy of the original credit application with my signature in which I opened any such account and I have not been provided the credit application with my signature and/or a response to my request for said credit application. 

XXXX XXXX XXXX, has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX, has violated my rights by continuously reporting an inaccurate collection account to credit bureaus. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-07-09
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX NAME XXXX EMPLOYER : ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  NAME : EMPLOYER XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

I received an offer in the mail for an " additional loan ''. I applied and received an email stating that I was " Approved for [ my ] loan offer ... '' as long as I verified income, identity, etc. This was confirmed on my account page with the company, which states, " Your documents have been reviewed and approved We are currently finalizing your application. A branch representative will reach out to you to you to set up time to begin your loan closing. '' I also received an " approval '' message on the webpage after submitting my application. 

I didn't hear from a rep. so I called, but was told, " I'm not approved and will receive a letter in the mail detailing why ... '' despite having an active and recent loan with the same company. I'm okay with the denial, except I was being deceived throughout the entire process to submit information and contact the local branch to " close '' on a loan. It was a waste of my time that affected my present and future financial planning and has led to losses on my part.
Consumer complaint received 2022-07-25
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-08-26
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. (IL)

I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted XXXX, XXXX, and Experian to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
Consumer complaint received 2018-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MI)

I had a credit card through XXXX XXXX ( Barclays Bank ). Last XX/XX/XXXX there was a credit balance on the account. There was an automatic {$8.00} charge from XXXX and then then XXXX XXXX charged {$180.00} for the " annual charge ''. I was in the hospital and received no emails, no paper bills etc. Then I get an email in XX/XX/XXXX saying that my account is being closed and I was reported to the credit bureau. When I found out, I paid the full amount but the account was still closed and they kept the annual fee. I called and complained and was basically told that was their policy. That is completely wrong. I would not have authorized a {$180.00} dollar annual fee and asked them to close the account as it is not worth it. They will not take it off my credit report and have {$180.00} for a credit card that I don't even have. That is stealing in my view.
Consumer complaint received 2018-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My mortgage company continually does not post payments timely or correctly. I made my XX/XX/XXXX payment on XX/XX/2018. I received a stament dated XX/XX/18 for my XX/XX/XXXX payment that showed both a apyement due for XX/XX/XXXX and XX/XX/XXXX. When I called SLS, they stated that my payment was current and they could not explain why the statement I received showed a past due payment. I was told to disregard the statement. I asked if they could send me a correct statement and I was toLD I would need to submit a written request. I would like this servicing company held accountable for sending me correct stamens to reflect my payments posting correctly. I should not have to send a written request to get a corrected statement. I would also like the ability to manage my account online so I can insure everything is posting correctly as it is received. I received a statement in XX/XX/XXXX which they could not explain an additional {$710.00}, but I paid it as I wanted my account to stay current. XX/XX/XXXX I made my payment for XX/XX/XXXX. My XX/XX/XXXX payment is scheduled to be electronially transferred to them on XX/XX/XXXX. I never received a statement for XX/XX/XXXX which should have shown the XX/XX/XXXX payment due and that is why it is not attached.
Consumer complaint received 2022-07-09
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TRANSUNION NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX XXXX NAME XXXX EMPLOYER : ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  NAME : EMPLOYER XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX, GA XXXX INQUIRIES : XXXX  : XXXX XXXX XXXX
Consumer complaint received 2018-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion re-inserting deleted information on XX/XX/2018 I discovered negative credit item has been re-inserted into my credit file. you are required to notify me within 5 days of re-inserting a deleted item I did not receive any such notification as the law require the item XXXX  XXXX {$230.00}
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of XXXX  XXXX and had to move but besides that I check all my credit reports Experian, XXXX, XXXX   and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report
Consumer complaint received 2022-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (AZ)

HI FOR THE LAST THREE YEARS COULD NOT GO BACK WORK DUE MY PROPLEMS FICCIAL I'LL APPLIE FOR XXXX ON XXXX XXXX XXXX AND STILL WORKING MY CASE I'LL HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX THY HAVE ALL MY INFORMATIO ON MY RECORD AT THE XXXX OFFICE
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Continental Finance Company, LLC (CA)

Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of domestic violence and had to move but besides that I check all my credit reports XXXX, XXXX, XXXX and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report
Consumer complaint received 2018-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (GA)

On XX/XX/2018, I was notified that Source Receivable Management was added to my credit report as a collections account for XXXX. I have never signed a contract with them and I am not liable to this debt. A validation letter was sent to Source Receivable Management on XX/XX/2018. It has more than 30 days and I have not received any validation paperwork in response to my letter.