davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I had been having unexpected expenses between XXXX and XX/XX/2019 due to an illness and medical bills.I had overdrafted about 6 times during that period. Since I receive a monthly pension automatic deposit of {$5800.00} on the XXXX of every month and an automatic deposit of {$940.00} on the XXXX and another {$940.00} on the XXXX of each month from a part time job I usually have enough funds to cover any overdrafts during an emergency or period of extra monthly expenses. So I was billed {$35.00} in overdraft fees for about 6 times during this period. That's about {$210.00} in overdraft fees which I expected to incur and which I could make up with the funds coming in the following month. Well 's Fargo has a policy of permitting up to 3 overdrafts transactions per day with a {$35.00} overdraft charge per each transaction. They also have a policy of not charging an overdraft fee if the transactions occur within 24 hours of an automatic deposit and a policy of approving the transaction if an automatic deposit is scheduled to be deposited within 24 hours. However on XX/XX/2019 a {$240.00} transaction for XXXX XXXX   was declined at XXXX mst even though the next day was XX/XX/XXXX and an automatic deposit of {$5800.00} was scheduled within 24 hours, It is suspicious that when it was not advantageous for Wells Fargo to collect their {$35.00} overdraft fee they simply denied the transaction in direct violation of what they advertised their policy is. This is false advertising. When I called and complained they simply said it is at the discretion of a computer and not guaranteed. It appears that it is only guaranteed they will approve an overdraft transaction if they can charge a {$35.00} overdraft fee but if the overdraft transaction occurs with 24 hours of a direct deposit and they can not charge a {$35.00} overdraft fee they decline the transaction in direct violation of their advertised policy.
Consumer complaint received 2021-08-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I, XXXX XXXX XXXX, have received post correspondence from XXXX XXXX regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AR)

I was contact by I.C. System about a debt that they claim I owed them. I ask for debt validation but they instead send me a letter with offensive language. I sent them a Affidavit of Truth stating to them that they had violated laws under 15 USC 1692. The violations committed were 15 USC 1692b ( 5 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), and 15 USC1692g. I have also attach proof of these violations.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My husband and I opened an account for my daughter, XXXX in CA on XX/XX/XXXX. She attends school in NY and is renting an apartment with international students. This accounts sole purpose is for the rent. 

XXXX activated her Chase Debt Card on XX/XX/XXXX. By XX/XX/XXXX, there were several fraudulent transactions. XXXX called to cancel debt card was advised there were a couple {$1.00} transactions which were denied but 3 others that were approved totaling XXXX by XXXX. Agent advise would see a credit in a couple days. The fact that there were several {$1.00} attempts they could it had been hacked. 

After 2 weeks, I contacted XXXX XXXX, claims dept supervisor. She advise that claim was denied because looked suspicious. I also agreed that it looked suspicious only the bank knew the card was activated. Card had not been used anywhere. She advised I had to provide proof we didn't use XXXX. XXXX only has an automated system and their online instructions say to contact bank.
Consumer complaint received 2022-08-23
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. (NV)

They incorrectly reported my card as over the limit when they caused it to go over by adding interest and fees. 
The account was not over from a charge on the card and has never been over before. 
The closing statement was on XX/XX/2022 Before the closing statement I was under my limit. At the time of the closing statement on XX/XX/2022 they charged me an interest fee of XXXX which put me over the limit. Then they reported me as over the limit. According to Consumer Protection Act this is an illegal practice. I can not be reported as over the limit or charged a fee for over the limit because of any fees they impose that cause me to go over. I would like them to correct on my credit report the over the limit they reported and be fined for their practice of doing this. Who knows how many other people are getting their score dinged by them. Mine went down XXXX points because of this.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

On XX/XX/2019 my direct deposit went into my private checking acct ar PNC ( I had opened the acct because I had asked my husband for a divorce and was trying to separate our finances. He had no clue what my new acct number was ) When I got up that morning to check my balance and move money to XXXX to pay my rent I was shocked to discover that a phone transfer had taken place moving money from my private acct to a joint acct I had shared with my husband and two atm withdrawels totaling {$1000.00} dollars. I was unaware of this and immediately called my bank to dispute it. I was told by the bank that since it was a phone transfer all he needed was my social and not my acct number to access my funds. I was not happy and went into the local branch in XXXX, Alabama and was told that they were unclear how he was able to access my personal acct without my PIN number and to call back on the XX/XX/XXXX when the transaction would no longer be pending. From there I was told that the funds never officially left my person since it went into an acct that had my name on it. Even though I did not give approval for any transfer and the person who did the transfer was not on my personal acct.
Consumer complaint received 2019-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

XXXX request Please see below a copy of the letter I sent to Belk XXXX. XXXX XXXX XXXX FL XXXX, regarding an account that is still reporting negatively on my credit reports. Belk XXXX. XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Belk, Please see attached a copy of the letter sent from XXXX. XXXX XXXX whom represents XXXX XXXX XXXX XXXX ( Office of General Counsel ), this is whom this Belk, account # XXXX, was sold to. Please see the highlighted areas on the letter that indicate that they have sent notification to have the account removed from my credit file. As of XX/XX/2019, Belk is still showing on my credit file. I am requesting for it to me removed immediately. XXXX XXXX XXXX ** I have attached a copy of the letter from the office of the general counsel**
Consumer complaint received 2022-08-03
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. (MS)

I called the TransUnionXXXX after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed and corrected. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2021-03-23
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. (GA)

This complaint comes forward as I am a victim of Identity Theft due to a data breach, I have tried to reach out to XXXX in regards to a dispute and the fraudulent accounts and benefits on my credit profile.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I My XXXX Credit report missed two addresses first lived from XXXX to XXXX and second from XXXX to XXXX, ( and too many many of the same address I had rented for a short period of time a bedroom only for 3 months XXXX XXXX XXXX repeated as my residence ) ... I followed directives sending ID documentation along with a typed printout of my addresses in chronological order to as advised to : XXXX XXXX XXXX XXXX, XXXX TX XXXX that was returned " Return To Sender No Such Number Unable to Forward ''. 

Furthermore, my attempt to generate a credit report via XXXX, I got twice the notification it would not recognize my profile no such information credit report ( my correct SSN, Addresses, Name, DOB were entered ), and unrecognized ... That is a HUGE concern and red flag. 

Please advise if there should be a different address for XXXX I should forward my documentation and request to fix any discrepancies for my credit report.
Consumer complaint received 2019-05-08
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: Mr. Cooper Group Inc. (TX)

My mortgage Company Nationstar/Mr. Cooper stopped reporting my mortgage to the 3 credit reporting agencies about 5 years ago. I was unaware of this until XXXX of XXXX. Upon seeing this I immediately contacted them to have this issue corrected, which to date has not been done, I XXXX of this year I spent several hours on the phone with Mr. Cooper ( that's what they are calling them selves now ) telling me that the credit reporting agencies made the request that they stop reporting, and told me that I need to send them Mr. Cooper a letter requesting that my mortgage be reported. I did this on XX/XX/XXXX. Finding this scenario a little odd I called XXXX, XXXX and XXXX and inquired why they would request that Mr. Cooper stop reporting my mortgage, and surprise, surprise it was Mr. Cooper that made the request. I received a letter from Mr. Cooper stating that a request was sent to the 3 reporting agencies asking them to add it back to the tradeline. Well as of today XXXX XXXX this has not been done. I know this because I called all 3 and none of them have any request regarding the adding of my mortgage, they all have told me that I had a mortgage reported at on time but Nationstar requested it be dropped. I then spent another hour and a half om the phone with Mr. Cooper only to be told that 1 I needed to ask the reporting agencies to request it be added ( which I know is incorrect because I asked them to contact Mr. Cooper and was told in no uncertain terms that's not the way it works ), then was told no I was wrong the request was sent, despite the fact I now know it wasn't. Then was told it would have to go back to research to find out what the problem is, and that could take 30 to 60 days, and this was told to me by the escalation department. I do not understand why when I know that according to FRCA that they are required to report this why I am having to fight to get this done, Please help.
Consumer complaint received 2021-09-16
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

Lexis Nexis consumer center XXXX XXXX XXXX XXXX GA. XXXX Violating decisions requested by CFPB. After investigating XXXX removed records from my credit report however accepted reporting of those exact records from this Lexis Nexis company. It have NEVER been known to have posted reports furnished and provided from other companies. This Lexis Nexis has absolutely no legal rights to post ANYTHING on ANY of my three consumer reports at any agency. XXXX, XXXX nor XXXX XXXX. This company is violating my rights to fair reporting. If it has been determined for legitimate legal reasons to remove any information due to fraud, thief or any other unlawful unfair reason, no company has the right to disregard that reason. Under no circumstances. This Lexis Nexis company is absolutely not to be trusted by aggressively reporting information when it hasnt been requested and therefore I demand Lexis Nexis immediately remove and permanently delete the information they are furnishing and supplying to others. Lexis Nexis consumer center has illegally furnished this information for reasons other than obtaining credit. You have used the information for malicious reasons and will be presented to the courts along with all the other incriminating evidence and will be held liable for damages. 

Accessed my credit report without my permission! I did NOT request nor give permission for this company to access my report!
Consumer complaint received 2019-05-08
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: EQUIFAX, INC. (NV)

Hello, I'm XXXX XXXX. I plan on getting married soon and my beautiful fiance ' pull my credit report. And to my unpleasant surprise, there are accounts/collection/inquiries listed on my reports that i have not a clue about. Please assist me in removing these items from my report as they are results of identity theft. 
Best Regards.
Consumer complaint received 2022-08-03
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. (FL)

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 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
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION (FL)

Several years ago, around XXXX I began establishing and monitoring my credit when I got my annual report I noticed a derogatory account from a LOBEL FINANCIAL, of which I contacted them and spoke to their legal department and credit fraud department back then, who informed me that they would remove it from my credit report as it is not my account, and I have never financed a vehicle with anyone, nor am I in possession thereof. I submitted documentation requested by them, was informed that the matter was resolved, and that my disputes would close the account and be removed from my credit reports. It was only removed from XXXX, and not the others. Since then, I have now signed a contract to purchase a home, and have been informed that LOBEL FINACIAL just reported on XX/XX/XXXX my credit report that Account # XXXX is Active, and that I owe the monies in an amount over {$11000.00}. I contacted LPBEL FINACIAL on XX/XX/XXXX and spoke with XXXX, who I requested that they expedite the removal of this fraudulent account in my name from my credit, and that I receive documentation from them stating that this matter has been resolved. After I was informed that this account was closed in XXXX, and has been disputed multiple times I requested to speak with XXXX 's XXXX, who was conveniently not available. I then asked for the information on the account concerning a vehicle that I have never owned, see, or driven, and was rudely hung up on. Therefore, I am filing this complaint with the hopes of resolving this issue, and get this credit predator, LOBEL FINACIAL, to remove any information with their name from my credit, and from within their companies database, expeditiously. As this is hindering me from utilizing my good credit, and from moving forward with purchasing a home. I did inform the LOBEL LEGAL department that I would be contacting the CFPB if they could not do the right thing and resolve this issue, again. However, they hung up on me with no interest other than retrieving monies for a felonious account that is being reported fraudulently on my credit reports, and I need any support that you may offer in making this happen, asap. I have nothing to show from LOBEL FINACIAL because I have never personally had an account with them, other than what they have told me.
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (SC)

I submitted the Public Service Loan Forgivness application in XX/XX/XXXX. In XXXX of XXXX I received an electronic letter stating that my employer had failed to include my termination date or indicate that I was still employed on the application. In reviewing the application, the check box for " Still Employed '' was clearly marked. I called the PSFL hotline with Fed Loan Servicing - after approximately 45 minutes of hold time, a representative answered and stated she would have to connected me with a PSFL specialists. This required an additional 1 1/2 hour hold time. Once answered, the representative confirmed the said missing piece of information was in fact on the original form and that she would request a re-review. On XX/XX/XXXX I received a second letter from Fed Load servicing stating that my employer failed to include their Federal EIN number on the application. Of course, this piece of information is clearly in the appropriate field on the form ( section 3 line 2 ). I again called Fed Loan, held for 38 minutes and again was told that I would be transfered to a PSFL specialist. Hold time so far 46 minutes with no connection to a representative. It is beginning to appear that Fed Loan Servicing is again intentionnally creating a hardship/delay for borrowers to access this program by creating erroneous reasons to prolong the application process and having extended hold times to speak with their representatives to potentially deter attempts to resolve.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I believe your company is not in complaint because when I try to research these accounts you have on my credit you do not provide the full account number. Therefore, I can not confirm the accuracy of these accounts with no account numbers showing fully. Remove these accounts from my credit report. Reporting this stuff is very misleading is a violation of the United States Code Law. 
FDCPA Section 807 Violation Misleading 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. The account is INACCURATE and I'm seeking LITIGATION REMOVE/DELETE IMMEDIATELY. 
15 U.S. Code 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have always paid this on time again this Account Has always been PAID AS AGREED on time Please REMOVE INACCURATE reported late payments please update to PAID AS AGREED.
Consumer complaint received 2022-08-03
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. (GA)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX