davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX I called Experian about an ongoing issue with my Credit Report for in accurate items that are listed on my credit report. I talked to a representative named XXXX from team edge for XXXX minutes and XXXX seconds. She went on to tell me that the incorrect account status that I 'm viewing is n't the same thing that she is seeing on Experian 's system, which is a charged off account with the bankruptcy notation. I have XXXX accounts that are listed under bankruptcy that are supposed to be deleted after 7 years of the discharged date. These accounts list that they will be removed XX/XX/XXXX. These accounts are still listed as negative items after my discharge. I then asked to speak to a Supervisor and she stated within XXXX seconds that there was n't one available. I then told her that I recorded our conversation and she immediately said that I did n't have a right to do so, but that Experian records all phone calls. I asked for the CEO and she refused to give me that info but gave me a pone number to call. My rights have not been abrogated.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I have disputed the issue regarding XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX with Experian in XXXX. XXXX XXXX has been contacted several times regarding the fraudulent reporting of a debt that they deceptively contrived due to misrepresentation of a sales person that we tried to contract with. We were told we could discontinue service at any time and the agent we were working with was actually using the credentials of her husband. The fraudulent agents are no longer emp [ loyed by XXXX XXXX XXXX XXXX due to their illegal, fraudulent methods of " slamming '' people into contracts. I 've asked for the erroneous " hard hits '' to be removed from my credit report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and yesterday XXXX/XXXX/XXXX only to be told by XXXX XXXX supervisor XXXX XXXX that they were going to pursue litigation. The fact that these swindlers have exaggerated the amount due and that they continuously harass me by hitting my credit report should be unlawful. They have written to me and I have responded within 30 days with certified mail of them receiving my documents and STILL continue to ignore the fact that they are chasing an illegal, fraudulent, exaggerated amount of debt. I ask that these people get reprimanded for their abusive harassment of my credit and my time.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have had several id theft issues over the last two years, and have been the victim of data breeches. I was alerted by my credit monitoring service that XXXX, an internet lender that is not allowed to lend in my state was negatively reporting on my credit. I purchased a copy of my XXXX in XXXX report form the credit monitoring service, so that I could see exactly what was being reported and for how much. It was reported on my TransUnion report only. 
I was advised to dispute the XXXX reporting on my credit report from TransUnion, so I did by sending a letter with all of the proof that it was a void loan to begin with, asking for it to be removed. I received a letter from TransUnion in response saying that they needed more time to consider my request to remove the negative report by XXXX, but that in the mean time, the address I used for myself was n't consistent with their records. So I tried to log into the TransUnion site, as I had with the other XXXX credit bureaus, and I had had a TransUnion account from before, so I thought it would be easier to fix from there. I had trouble logging into the site, even though I had had an account with them from years prior, and so I wrote a response letter to TransUnion. In the letter I provided additional items to prove that I was who I said I was, and to prove my address, where I have lived for 20 years, was my correct address. 
I included my driver 's license, my my ID card from work, and my voter registration card, which had my address. 
I received a letter response from Tran Union saying that it could not change my address at this time. 
The difference between the address that they had on file and my actual address is that Trans Union says I live at the same street number, city, state, and zip code, but they also add and apartment number/letter. I have lived in this house for over 20 years now, and it has never had an apartment number associated with it. I work for the U.S. Postal Service, and I have never had anything addressed to me except by TransUnion that includes an apartment number. 
I want TransUnion to correct my address, and acknowledge that the additional apartment number is wrong. I want to be able to order a report directly from them, instead of going through my monitoring service and paying to get copies of my credit report. The strange thing is that the monitoring service through my bank has my correct address, and they are able to get a report, but I can not get one on my own or through annualcreditreport.com. I just want it fixed so that I can.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have requested the following company information be changed due to inaccurate information on my credit report. I have filed disputes and nothing has changed. I also sent documents proving my dispute and nothing has changed. 

I am asking, the following companies removed from my credit report due to consistent inaccurate information. XXXX closed my account after we had an agreement, which once I received a job, I would pay what I owe. We spoke on the phone a few times and after I made my payment, XXXX then closed my account. This has negatively affected my credit. XXXX XXXX made an error, which I notice now, it is negatively affecting me and would like for this to be removed from my credit report account status. I am also asking XXXX, XXXX XXXX be removed from my credit score due to inaccurate account status information. I have requested the information be changed and nothing has been done.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with XXXX in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.
Consumer complaint received 2015-07-03
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (TN)

I frequently purchase XXXX gift cards from my local grocer. These cards are issued by US Bank. Recently I had a total of 6 cards that were " compromised '' within a day of me purchasing them. I always examine the packaging, so I know this was not a case of them being tampered with in the store. This has happened to me and others many times, as the sequence is laughably weak on these gift cards. The security measures to prevent people from brute forcing card numbers is nonexistent. All of my cards which were compromised shared 12 out of 16 numbers, in some cases 13 or 14 numbers were shared. 

When these cards are compromised, the process is fairly easy ( I guess because they 're used to dealing with it happening ) to " lock '' the card so no further fraudulent transactions can be made. The process for asking for a replacement card is much more tedious, and can take months to complete. Not only that, when you receive your replacement card, it will have {$6.00} taken off of it as a " fee ''. This is not acceptable in my opinion, and borderline fraudulent. They reap probably millions in fees because they do n't take the necessary precautions against people obtaining and being able to guess their card sequencing. 

For this reason, I have opted to pursue a resolution to my compromised cards through the CFPB rather than reaching out to U.S. bank and waiting for months to receive less than I originally paid for on my cards. I am attaching scans of the cards and receipts where they were purchased by me. Please reach out to me if you have a need for further information. I am expecting a total of {$3000.00} in replacement cards from U.S. Bank and any less is not acceptable. 

It is my hope that with complaints like this, they will see the flaws in their security and having to answer for these flaws will prompt change in their process. 

Thanks
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Credit Systems,Inc. (VA)

This account was turned over to XXXX in ( I believe XXXX XXXX XXXX. There has been no activity XXXX NONE XXXX yet every few months they keep " updating '' my report ( they did this in XXXX XXXX, XXXX XXXX, XXXX XXXX & again in XXXX XXXX ). Even though this account has no activity & is set to come off of my report next year, every few months it appears as " new '' again. I received an " alert '' from XXXX last week that a new derogatory account had been added to my report. It 's the same account that 's been on here since XXXX. Even though it 's an old account, it caused my score to drop XXXX XXXX XXXX dropped my credit limit as a result XXXX
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was working in a company that obtained a merchant account with the referred collector ( XXXX ). This collector has reported this above mentioned account as an open revolving past due account on my credit after the business has breached the contract with them. 
1 ) This account belongs to a business account and not an individual account. 
2 ) This account has been reported to my credit as a loan that was taken, and stated I missed payments. 
3 ) I believe that collector has violated the Fair Credit Reporting Act procedures in order to add more pressure on me to collect extra money that was never lent to me.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of credit fraud and there has been unathorized inquiries on my consumer report, I disputed this information with the creditors and they informed me that they ca n't do anything about it and that I should contact the credit buruea to remove this inquiries. They are adversely affecting my report.
Consumer complaint received 2016-02-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2016 at XXXX, I entered the Bank of America at XXXX XXXX XXXX XXXX XXXX California. I was there to pay bills by collecting my California State unemployment benefits which are deposited by the State of California into the Bank of America Account systems. 
Every 2 weeks, I am being continually and openly harassed by the actions of the bank manager, " XXXX '' that has seen fit to voluntarily withhold my benefit payments until he recites the fact that I do not have to enter the bank to collect my benefits. I have told this manager that ; 1. I have a right to transact my business within the bank 2. I prefer the safety of transacting business within the bank structure 3. I should be able to collect my benefits without this individual holding on to identification and banking cards, for 2-3 minutes, without processing my request, as he openly smirks, and takes illegal advantage of his position. I have already submitted a complaint of a similar incident ( Case number : XXXX ) that occurred on XXXX XXXX, 2016 by the same individual that appears to feel that banking customers have no recourse regarding his inappropriate official actions. 
On XXXX XXXX, 2016, I had to openly ask this individual five times to " please process my request without delay '' ... He ( XXXX ) laughed, and stated, " XXXX XXXX, I have to tell you this '' .... This is become extremely irritating and frankly I have been told that it is illegal for this individual to delay or intentionally inhibit my access to state benefits ... I am currently searching for attorney or a banking enforcement entity to investigate my complaints. On this, my latest complaint, there were witnesses available, Including " XXXX '', another Bank of America employee positioned in the lobby and greeting customers as they entered the bank. I am sincere about having these events investigated, and I am confident that bank cameras captured this event as well as the prior incident. It also appears to me as if this is a racially motivated incident, in noting that no other patrons are subjected to this type of irritating response by this Bank of America " Manager ''
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (PA)

Since Synchrony Bank took over XXXX XXXX XXXX account, Their policy is use credit card in XXXX is 14 days limited In past under XXXX, I have been gone XXXX for more than 14 days my trip is XXXX XXXX to XXXX XXXX which is 21 days I checked there is no government policy on limited days in XXXX only Synchrony Bank
Consumer complaint received 2015-06-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc. (IN)

On or about XXXX/XXXX/2015 at, XXXX,XXXX,XXXX,XXXX and XXXX I received phone calls from the number XXXX. No vocie messages were left on my phone for a call back. On XXXX/XXXX/2015 I received XXXX phone calls XXXX at XXXX, and XXXX. The phone calls again were from XXXX. On XXXX/XXXX/2015 I decided to call the number back in which the phone operator identified themselves as Allianceone Inc. The phone operator had told me that it was regarding a XXXX Credit Card. I then responded to the operator about receiving debt verification before I was going to disclose any personal information. On XXXX XXXX 2015 I sent allianceone Inc an email requested debt verification, followed with another email dated XXXX XXXX 2015 with no response. On XXXX/XXXX/2015 I sent a demand for debt verification to listed fax number at XXXX. As of XXXX XXXX 2015 I have not received any type of debt verification or communication from this debt company regarding this alleged debt.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

AS REFERENCED IN SPS ' RESPONSE TO MY PRIOR CFPB COMPLAINT # XXXX, SPS STATED THAT THEY INFORMED ME AS TO WHY THE HIGHER CONTRACTUAL PAYMENT WAS DRAFTED HOWEVER SPS DID NOT DISCLOSE OR EXPLAIN WHY THEY ASKED ME TO ALSO MAKE CHECK PAYMENTS WHEN THEY WERE AUTODRAFTING MY ACCOUNT PER THEIR DOCUMENTATION RECEIVED BY ME IN MID XXXX XXXX WITH MY LOAN MODIFICATION PAPERWORK. 

IT IS NOT BECAUSE SPS AUTODRAFTED ME THAT I INCURRED BANK FEES, IT IS BECAUSE SPS AUTODRAFTED FOR A CONSIDERABLY HIGHER AMOUNT AND ALSO REQUESTED THAT I COMPLETE AUTODRAFT PAPERWORK TO REINSTITUTE AUTODRAFTS AND MAKE CHECK PAYMENTS IN THE INTERIM TO ENSURE MY ACCOUNTS REMAINED CURRENT, TO WHICH I WAS OVERCHARGED AND INCURRED BANK FEES OF {$110.00} FOR DUPLICATE CHECK PAYMENTS ( AS I WAS NOT AWARE THAT SPS WAS CONTINUING WITH MY ORIGINAL AUTODRAFT SET-UP WHEN MY ACCOUNTS ORIGINALLY TRANSFERRED TO THEM IN XXXX ). 

AS PART OF THE LOAN MODIFICATION PROCESS, SPS HAD STATED TO ME ON SEVERAL OCCASSIONS THAT THE AUTODRAFT PROCESS WOULD HAVE TO BE SET-UP AGAIN ONCE THE MODIFICATION WAS FINALIZED. YOU CAN IMAGINE HOW UPSET I WAS AFTER A LENGTHY MODIFICATION PROCESS WHERE THE SAME DOCUMENTS HAD TO BE SUBMITTED 5-6 TIMES BEFORE THEY COULD FINALLY GET THE MODIFICATION GOING, TO THEN HAVE THEM FINALLY FINISH IT 6+ MONTHS LATER BY SIGNIFICANTLY OVERCHARGING MY BANK ACCOUNT, CONTINUING TO PROCESS CHECKS - NOT ONCE, BUT TWICE EVEN AFTER I NOTIFIED THEM OF THEIR ERROR, REFUSE TO APPLY THE OVERPAYMENT TO MY ACCOUNTS APPROPRIATELY ( AT LEAST FOR ANOTHER THREE MONTHS ), REFUSE TO CREDIT ME THE {$110.00} IN BANK FEES, AND THEN START REPORTING DELINQUENCY ON MY ACCOUNTS AS A RESULT, DESPITE MY ORIGINAL REQUESTS FOR CORRECTION IN XXXX XXXX AND CONTINUALLY REQUESTED BY ME EACH MONTH UNTIL I STARTED FILING COMPLAINTS THROUGH CFPB IN XXXX XXXX ... THERE WOULD HAVE BEEN NO FURTHER DISPUTE, NO FRAUDLENT CREDIT BUREAU REPORTING, ETC. 

THE FINAL CORRECTION DEMANDED BASED UPON SPS ' ERROR IN XXXX XXXX, IS THAT MY CREDIT WORTHINESS BE RESTORED AND THE LATE REPORTINGS TO THE CREDIT BUREAUS FOR THE MONTHS OF XXXX, XXXX, XXXX XXXX BE CORRECTED. SPS HAS ALREADY CORRECTED THE PRIOR MONTHS CREDIT REPORTINGS TO THE BUREAUS FOR THE PREVIOUS MONTHS IN THEIR RESPONSE TO MY CFPB COMPLAINT NUMBER XXXX. THEY SHOULD HAVE CORRECTED THESE THREE MONTHS AS WELL AT THAT TIME, BUT THEY CONTINUE TO CONDUCT THEIR BUSINESS IN A DISHONEST FASHION, DEFRAUDING CONSUMERS OF THEIR RIGHTS. I FOLLOWED UP WITH THEM VIA TELEPHONE SEEKING AN AGAIN TO ACHIEVE AN AMICABLE SOLUTION AND NOT INVOLVE OUTSIDE PARTIES, HOWEVER, SPS LEAVES ME NO OTHER RECOURSE BUT TO CONTINUE MY COMPLAINT THROUGH CFPB.
Consumer complaint received 2015-06-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a modest savings account and rent a safety deposit box with Bank of America in XXXX WA XXXX. I received a letter on XXXX XXXX, 2015 stating my account was being closed. I called BoA customer service for information but was told a reason was not required. They stated my account would be closed XXXX XXXX and I would receive my money back.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

in regards to what is going on i have a collection account with Kimball trey & ST John due to an unlawful detainer through the XXXX courts. they claim that i owe them XXXX when the documents that i retrieved from the XXXX county courts say that i owe XXXX in which i have contacted them twice and offered to pay them the XXXX and they refuse to except saying that the XXXX was attorneys fees.and the Memorandum clearly states that the attorneys fees our only XXXX i sent them a copy of the paper work and i told them they where giving false statements to the credit bureau. i did disput the claim and the credit bureau said do an investigation and this was the next step that i am taking .what ever help i can get it is very much appreciated .Thank you in advance Sincerliy
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (PA)

For the second year in a row my mortage company Shellpoint mortgage has not paid my school taxes which are escrowed and the school is threatening that this is going to their attorney now. These were due XXXX of last year 2014.
Consumer complaint received 2016-02-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I opened up CapitalOne 360 Savings account in XXXX 2015 after seeing advertisement on-line. 
Bank promised {$500.00} bonus after keeping XXXX in the account for 90 days. I called them couple times to confirm the ad. Now, Bank is claiming that I am not eligible for bonus because I had savings account with ING bank 15 years ago. ING bank is now part of CapitalOne. I also was told that I have 30 days to transfer all the money to the account. Bank is saying that it is only 10 days. I believe CapitalOne is not playing fare and tricks customers with small prints and misleading information over the phone.
Consumer complaint received 2016-02-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My wife and I each opened a Capital One 360 Savings account that had a bonus offer if we kept the account open for at least 90 days. Today they refused to pay me my bonus on the following grounds : I used to have an ING Orange Savings account, which I closed shortly after ING ( USA ) was bought by Capital One, and the terms of this bonus was it had to be your " first 360 Savings '' account. Since I never opened a Capital One 360 Savings account before, I had no idea I would not qualify. Their disclosure states " If you qualify for a bonus, Capital One 360 will deposit the bonus money into your account .... '', but they do n't tell you up front that you do n't qualify because you used to have an ING Orange savings. I believe their disclosure is misleading, or at minimum their should be a way to know up front that you would n't qualify. 

In my wife 's case, we had to call and ask for the bonus even though she never was a primary account holder on an ING Orange Savings. Once they did agree they made a mistake and did not pay her the bonus, they paid the bonus but put a hold on the bonus money for 30 days - even though their disclosure states " Once it 's deposited, the funds will be available immediately. '' Their reasoning was that it was a computer issue with the original bonus, so they have to hold it for 30 days. I question the legality of that. 

I believe both cases were deceptive in nature, and certainly the case of holding the bonus for 30 days was in direct conflict with their disclosure.