davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a XXXX year customer with B of A. Last year our credit card ending ... XXXX expires XX/XX/XXXX, was cancelled due to inactivity, a letter was supposedly sent but never received or acknowledged. We have had that card since the 1973 and relied on that for emergencies, using out debit cards for day to day use. 
We are retired now and have only our SS benefits for income. I spoke with your customer service reps including 2 supervisors to help in reactivating the cards to no avail. Of course they recommend reapplying for new cards, sure with horrendously high interest rates now. 
I feel as though I'm I being treated like a new customer rather than a many year loyal one.
Consumer complaint received 2021-03-30
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)

My name is XXXX and the mortgage company XXXX XXXX altar the loan modification that me and my parents signed back in XX/XX/2020. I signed as a borrower along with my father XXXX I'm power of attorney for my father he has XXXX XXXX. And I'm power of attorney of my mother XXXX, as of XX/XX/XXXX, of this year. And I'm also a borrower too. But I'm not listed as a borrower on the new loan modification. It has been reordered on XX/XX/2020, at XXXX XXXX, in XXXX , county California. My father and I are joint owners of the deed and I sent a copy of the deed to XXXX XXXX along with a letter asking them to put my name on the modification loan and they didn't add me on the front page of the loan. They added my brother XXXX, and he isn't on the dead he is just a renter and he didn't sign the loan modification. They also left out an important page that I gave my bank XXXX account number and routing number so they can automatically withdraw monthly mortgage payments. And they even left out the power of attorney papers too. I didn't see any of the pages on this loan modification that is reordered back in XX/XX/2020. And I was told once the loan modification when recorded that all three credit scores would show that I own house and that I am making the Mortgage payments to XXXX XXXX. As of today, Experian doesn't have me paying mortgage payments to XXXX XXXX. This has been a big hardship on me I have to call and make monthly payments over the phone and I had to wait sometimes over an hour to speak to an agent and a lot of times I would get cut off. And I can not refinance because my credit score is low because of XXXX XXXX not reporting my information to the credit bureaus.
Consumer complaint received 2022-05-03
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2021-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (GA)

I never received a direct bill from XXXX XXXX XXXX in XXXX. They sent my account directly to a collection agency, One Advantage. I made the following payments, but continue to receive notices for payment from One Advantage : XX/XX/20 paid {$300.00} ( acct. # XXXX XXXX XX/XX/20 paid {$480.00} ( {$300.00} to acct. # XXXX and {$180.00} to acct. # XXXX XXXX Account numbers : XXXX and XXXX ( creditor # XXXX ) XXXX XXXX creditor # XXXX ) One Advantage, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-05-03
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, XXXX XXXXt XXXX, XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2018-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USI Solutions Inc. (MI)

U S I SOLUTIONS. They also say they are representing a XXXX XXXX debt.That I owe the 3 XXXX XXXX debts. I looked up the website and it  says XXXX as well. I recently filed a complaint due to continual calls. i got a letter through this website saying they would stop. They are continuing. I got a call today saying to call right away. I called and got no answer twice.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

The following complaint applies to my XXXX XXXX Citibank Visa card. 

XX/XX/2018 : I ( personally ) changed my Auto Pay to the minimum amount of ~ {$86.00} in CitiBanks mobile app. 

XX/XX/2018 : Citibank ignored my prior Auto Pay selection and made an unauthorized deduction from my personal checking account in the amount of ~ {$3500.00}. 

I called CitiBank, lodged a complaint and asked them to correct it. They changed my Auto Pay selection ( again ) to ~ {$86.00} and returned the funds three days later. 

XX/XX/2018 : I called Citibank to advise them that they had, once again, ignored the prior Auto Pay selection and taken another unauthorized deduction of ~ {$3500.00} from my checking account. After calling my bank to verify the funds, they removed a hold on the funds on their end and advised that they had refunded my checking account. They also said that they changed my Auto Pay selection to ~ {$86.00} ( again ). 

XX/XX/2018 ( today ) : Funds for the unauthorized deduction still havent hit my checking account. I called Citibank and they advised me that the refund had not been initiated and that I now had to wait an additional 3-5 business days while they reverse the funds. They are, in effect, holding my money hostage.

In addition to being unethical, the unauthorized removal of funds from an individuals private account is ILLEGAL. I will be in conversations with legal counsel to understand my rights and next steps.
Consumer complaint received 2018-07-31
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. (NC)

My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX have XXXX checking accounts and XXXX accounts and a savings account totaling between XXXX monthly. I send checking account ( which is my childrens school account ) has been getting charged fees for XXXX consecutive months. I have called XXXX  times to request a refund and fix the problem going forward- all XXXX  times they told me the fees will be refunded and the problem is fixed. This has never happened no fees refunded and problem not fixed. Also when I walk in the branch in XXXXXXXX XXXX XXXX They will not help me and tell me to call the XXXX number-
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-01-28
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. (GA)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-22
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 — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I recently refinanced my mortgage account with 53Bank and my first payment was scheduled to happen on XX/XX/2020. 

I wasn't aware automatic payment was already set in my account so I initiated a manual payment on my side for that month resulting in an overdraft in my account because of the additional payment. I called 53bank " customer assistance '' number and they supposedly helped me to correct the error. They were not clear in informing me exactly what they were trying to do to resolve my problem so instead of just helping to correct the error with the additional payment and reversing the corresponding overdraft fees, they reversed the 1 good first payment that had already posted to my account. This resulted in 53Bank reporting to credit bureaus they never received my first payment and being late more than 30 days. Now they are saying this wasn't a mistake on their side but instead suggesting it was my mistake because I requested them to reverse it which I don't recall doing. Again, I am calling them because they are supposed to know how their system works and how to better assist me and advise me but instead they are just washing their hands right now and saying there is nothing else they can do about it to help me eliminate that error from my credit report. 

My attachment includes the detail I can see in my account showing 2 payments being reversed in XXXX instead of just 1.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CA)

W/F preferred continues to report inaccuracies even after Ive disputed and requested verification. I need to find out the unauthorized charges made. I have disputed with XXXX and XXXX but the furnisher will not correct. W/F even has been using an PO Box that my mail gets returned to sender and the phone number to contact them is disconnected. My rights have been violated and no one has corrected. Specifically, they violated FCRA : Articles 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 a1 thru 2. 623 a1 A thru E and 623 b. Furthermore, they violated Article 1022.43, as they failed to correct the inaccuracies.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX I sent a certified letter to Equifax who confirmed receipt of certified letter on XX/XX/XXXX. Per FCRA law for investigations the credit bureau must reply within 30 days of receipt of letter to the finding of the request. This complaint will show that Equifax did not only reply back in a timely manner to my initial letter and violated federal law as such, but has also failed to provide me with any viable evidence bearing my signature showing that stated public record is correct. 

Since now I have been violated under federal law and my request has not been properly investigated within the required time-frame, I request that Equifax immediately remove any public recording stating Bankruptcy and any account bearing Bankruptcy on my report. Attached you will find evidence of letter sent to Equifax, Certified receipt, and confirmed delivery of letter to them. 

Again, I request that Equifax now remove any public record stating Bankruptcy and any account bearing Bankruptcy on my report, which Equifax has willingly neglected certified receipt of request for investigation and not following the law of FCRA.
Consumer complaint received 2018-11-01
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)

Since XX/XX/XXXX I have been disputing the 3 credit  Reporting agencies and the collection company ( XXXX XXXX XXXX ) This is about a collection on my report, from the Company XXXX XXXX XXXX, they are collecting from a company XXXX XXXX XXXX, call XXXX XXXX XXXX in the amount {$310.00}. that I just supposedly had taken out in XX/XX/XXXX as per collection. 

On before XXXX and XX/XX/XXXX I started sending Certified Letters to XXXX XXXX to resolve it, and they return to sender without being signed. my next step was then to dispute the credit bureaus and they have been very good and deleted the collection, but Experian after taking it off my report on XX/XX/XXXX ... On XX/XX/XXXX, allowed the collection back again the exact same company ( XXXX XXXX ) same amount, in the beginning of XX/XX/XXXX. 
I have reach out to Experian sent certified letter explaining this is not my and inquired to be sent the specifics person and company and department and contract and specific way that they actually proved that this is my account. They did not sent me that proved only sent me an explanation/list of my accounts listed on the credit report and didn't remove it. 

This is the only collection account in my Report It has been very damaging and I want it gone from my record.
Consumer complaint received 2021-06-25
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. (TX)

Have disputed multiple times information that has already been removed from XXXX. 
These are not my accounts. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
They havent provided any sort of documentation holding me to these accounts. 
Im requesting my written signature on any contract tying me to any of these debts. 

XXXX/Equifax refuses to cooperate and respond timely. 
Its ridiculous.
Consumer complaint received 2021-03-04
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: EQUIFAX, INC. (MS)

On XX/XX/2021, I mailed a letter requesting an investigation for accounts on my credit report that were questionable. It's been almost two months and I still haven't received a response.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (CA)

On XXXX2022 at around XXXX pm XXXX, I tried to transfer funds from my Money Network account to an already active credit union account. During the process of the transfer I was never once asked for my account information and was never asked to check or verify any information other than my account I held with Money Network. After confirming a transfer the money was withdrawn from my account without getting sent to my other account. I would like to know how I would receive the withdrawn amount as I have never specially stated how and where I would like that money transferred and if there are any other steps I need to take to ensure the amount funds its way safely to my account.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

Debt validation letter XX/XX/XXXX Name : XXXX Address : XXXX XXXX XXXX XXXXXXXX Tx, XXXX Debt Validation Letter Company name : Convergent Outsourcing Collection opened : XX/XX/XXXX Collection amount : {$1300.00} RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Best regard XXXX XXXX :
Consumer complaint received 2020-10-22
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. (CA)

In XX/XX/2020 I applied for a goverment business loan but was denied do to my credit score. soon afterward I pulled my credit report there I notice numerous fraudulent accounts open in my name. I immediately contacted the diffrent crediors as well as my local police department. As of today I haven't had any of those fraudulent accounts, Names nor Address remover from none of the three credit bueraus XXXX, XXXX  and Equifax.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Greetings, I have reached out to the following Credit Agencies on 2 separate times stating the following : On XX/XX/XXXX & XX/XX/XXXX See below companies and exact requested verbiage : Experian XXXX   XXXX  XX/XX/XXXX XXXX : After reviewing my credit report, I noticed several accounts on my credit report that was either reporting incorrectly or I simply have no knowledge of. I have listed the account information below and the suggested outcome of each account. 

XX/XX/XXXX letter : Dear Credit Reporting Agency, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. As of now, you have not responded with the results of your first investigation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.