davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a XXXX Credit Card Account opened XXXX and closed and paid in full XX/XX/XXXX. As of today Transunion Reporting Agency has my account in a negative status. This account always had a positive reporting on Transunion. Now like I stated their is negative information showing on Transunion.
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

I had a citation dated XXXX/XXXX/XXXX from the XXXX, Ca traffic court the Docket XXXX i went to court on XXXX/XXXX/XXXX in which the court reduce the ticket from {$520.00} to {$320.00} which i paid at the court house and on the clerk docket and minutes it stated driver license hold to remain until sentence satisfied.So on XXXX/XXXX/XXXX Alliance One went into my husband bank account with court order that i had no warning of and took {$450.00} causing my husband bank to go into the minus of {$320.00}.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Cedars Business Services, LLC (NJ)

I received a call on XXXX for collection from Cedar Financial of a debt from a XXXX, XXXX traffic violation. The debt was put into collection on XXXX and accrued 10 days of interest in the amount of {$24.00} ( an effective interest rate in excess of 100 % ). I was told that I " must pay now so that additional interest did not pile up ''. This was the first day I was made aware of this debt. The original fine, I was told, was XXXX. The XXXX is trading at {$1.00}, which would be a total fee of {$290.00}. I was told the amount to be paid was {$340.00}. The company did wave the interest, but still used an exchange rate of {$1.00} instead of {$1.00} resulting in my OVERPAYMENT of the fine ( that I was unable to dispute ) by {$25.00}. I have yet to receive any documentation supporting the traffic violation or fine.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2015-05-18
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (TX)

Since the government has now changed the rules regarding transfers of IRA 's from XXXX financial institution to another in deference and accommodation to the banks, it has become much more cumbersome and time consuming to accomplish this task. It has taken two months to get {$87000.00} from XXXX XXXX to Synchrony Bank. It was only my irate phone call to Synchrony this morning that the money was miraculously " found ''. When we were allowed to pick up the check from XXXX institution and deliver it to another, things always went smoothly. THE NEW SYSTEM IS NOT WORKING AND IS DESIGNED SO THE FINANCIAL INSTITUTIONS CAN LOSE YOUR MONEY FOR A MONTH AND A HALF AND THERE IS ABSOLUTELY NO ONE YOU CAN SPEAK TO THAT CAN GIVE YOU DEFINITIVE ANSWERS ON ANYTHING, UNLESS YOU WERE WILL TO SUBMIT TO THEIR EXCESSIVE FEES FOR ELECTRONIC TRANSFERS. PLEASE HELP CHANGE THIS SYSTEM BACK TO THE WAY IT WAS!!
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to Experian to have it removed and they performed an investigation witch did not remove it from my credit report. 
XXXX Inquires from XXXX were removed but not the derogatory account.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (VA)

I pulled my credit report and saw that there was a reporting on my collections from CREDENCE RESOURCE MANAGEMENT Account # XXXX I have never done business with them so I disputed it twice over the phone and through a letter. I asked for all documentation proving Ive done business with them. They sent me back a statement. A statement is not proof of will of authority to collect. This company does not have will to collect. I ask that CREDENCE RESOURCE MANAGEMENT removes this debt from all three of my consumer reports ( XXXX, XXXX, and XXXX. As well as send me an updated letter that all debt has been removed.
Consumer complaint received 2015-12-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION (NY)

Manufacturers and Trust company dba M & T bank ( New York ) has paid a disputed transaction. I contacted the vendor and they stated that I DID NOT have an account with them. M & T bank contacted the vendor and it was stated I had an account, which if so, I do not know where the magazines are going. When this first charge appeared on my account I made contact with both the vendor and M & T bank.This XXXX XXXX scam has been ongoing for years. M & T bank hides behind the underpaid telephone representative while in the era of identity theft and bank scams and the only recourse I have is to submit another letter or more proof to a fax number that I do not know where it may go or who may see it. I am not satisfied with the way M & T bank safeguards my money. The transaction date : XXXX/XXXX/15 description TIMEXXXX IS FRAUDULENT. Transaction amount is {$59.00}. I insist that they return my funds. In addition, M & T bank needs better communication between consumers and their so called investigators, or the ability to speak directly with those so called investigators.
Consumer complaint received 2015-03-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (FL)

I fell for a scam on the Internet. I was supposed to be a collection agent for a XXXX manufacturer. They sent me a check and advised me to deposit in BB & T bank. I did. After ten days the bank assured me that the check had cleared to bank and not to worry about it. 
I transferred {$28000.00} via wire transferred to a third party. Now the bank is holding me responsible for a mistake that they made. They put a hold on my wife 's account that had {$3500.00} in it. 
I 'm XXXX years old and have no other income than social security. They had no legal right to hold me responsible or to put a hold on other family accounts. I need to have my money released. Please take care of this matter ASAP. Thank you.
Consumer complaint received 2015-04-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was past due 30 days with Bank of America on my credit card due to a hardship. 
I enter in to hardship program and I made a payment on XXXX the representative advice me that I wont get any late fees and that they wont report me to the credit Bureaus as late. To this date I am being reported to the credit bureaus and it is affecting my credit worthiness. I am a single parent trying to catch up and be responsible with my payments and this is affecting me moral and financially. They claim that they never said that and that it would be their decision if they want to do that. I called several times before just to make sure about the agreement.
Consumer complaint received 2015-03-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NV)

I have never received any letter/documents from XXXX XXXX for services supposedly given in 2013, nor a bill from anyone stating otherwise either. Called # on debt collection letter and asked to have debt verified because I am not aware of this debt. Collection agency then kept asking me " what kind of verification do I need '', " call your insurance company '', " the letter from us is your verification of debt ''. Only when I informed the rep that I had a family member who does debt collection and so I am well aware that they legally have to document my dispute and verify the debt from the original creditor did the rep say " okay, we will get that sent out to you ''.
Consumer complaint received 2015-04-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Jackson Automotive Resources (MO)

I was erroneously refused an early termination option as stated in my lease for an automobile. The car 's motor blew out after only 4 months of responsible driving/maintenance and was under warranty. However, I was not provided with a loaner vehicle and payment was demanded for an inoperable car that is no longer in my possession. My references have been harassed via telephone by AutoStart, who continues to illegally disclose claims that I should contact their office due to a late payment. The office/lot staff has been uncooperative, standoffish, and it seems I will continue to be subjected to an unfair breach of contract, dishonesty, and unfair auto leasing practices.
Consumer complaint received 2015-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.
Consumer complaint received 2015-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute bankruptcy that appears on my credit report. Experian refuses to properly conduct investigation and claim they have already investigated item on several times. Experian representatives continuously lie stating they have sent someone over to representative over to federal court to verify information. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last XXXX digits of the individual 's social security number or tax identification number. 

Under the Federal Rules of Bankruptcy Procedure a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with your case is ( that includes credit reporting agencies such as Experian ) : ( 1 ) Your Full Name ; ( 2 ) The Last XXXX Digits of Your Social Security Number and ( 3 ) Your Address. Furthermore I was advised in order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. 

I have asked Experian representative to provide me with copy of court subpoena they received granting them full access to case. I have personal looking in The PACER Service and information listed on docket show address I never lived and last XXXX digits of a social security number. 

XXXX and XXXX have both removed this inaccurate information from my credit file and I would appreciate if Experian is forced to do the same. I am very sick and tired of playing cat and mouse with Experian. Their customer service representatives are very rude and company has culture to tending to wait out 30 days and not investigating disputes.
Consumer complaint received 2015-10-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I called FCO and spoke with a XXXX XXXX I asked for something so I can see if this is our debt or not the CSR kept trying to verify over the phone and make me state that it was my debt. I told him that I do not know what this I want something sent but he was n't trying to me anything until I verified if it was mine, hence me needing documents he said they have had it since XXXX/XXXX/2014 I have not received anything to verify or dispute this and we would like this removed from our credit if indeed this is not ours.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2015-05-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

On XXXX XXXX, XXXX, U.S. Bank offered me a loan modification following a successful trial period payment. The loan modification documents are attached to this complaint. 

I signed the documents on XXXX XXXX, XXXX and promptly returned them to U.S. Bank for their signatures. They signed the documents on XXXX XXXX, XXXX. The finalized loan modification agreement is recorded on XXXX XXXX, XXXX XXXX of the XXXX XXXX county public records. 

The terms of the loan modification agreement established that my monthly payments were to be {$720.00} per month. {$470.00} for Interest and Principal and {$250.00} in Escrow payments. ( see attached ). 

On XXXX XXXX, XXXX, following the ratification of the agreement, I spoke to a U.S. Bank representative who assured me that I was now out of loss mitigation and my monthly payments would be {$720.00} as agreed. 

When I attempted to make payments on my loan, U.S. Bank refused to accept them. On XXXX XXXX, XXXX they stated that I had to pay approximately {$850.00} a month, otherwise they would not take my payments. He also claimed that they would later reimburse the excess back to me. 

U.S. Bank unilaterally breach our contract. It refused to accept my payments and now alleges that I am in default under my loan and that they will foreclose on my property. 

I have a legally binding, recorded contract with U.S. Bank. They offered and accepted the terms of the agreement. They recorded the agreement and accepted {$31000.00} from HUD to proceed with the modification. They have benefited in every way, yet refuse to accept our contractually agreed payments and are now attempting to take my home away from me.
Consumer complaint received 2015-04-12
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seemed very nice for them to work with me and understood my situation. After paying on the car for 4 months on time..they repo ed the car and told me that I would need to pay the whole balance to get the car back ... I think this was hugely miscommunication with me.. now I have a repossion on my My credit report. And trying to buy another car is very tough. I felt I was done very wrong and violated numerous laws.. please help! Thanks
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2015-08-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

I went to Western Union to send money to my son in XXXX, CA on XXXX XXXX. XXXX XXXX at XXXX I sent my son the tracking number. XXXX XXXX my son went to pick up the money. He was given a conformation number by Western Union to give to a cashier to pick up the money. When he gave the conformation number to the cashier he was told that the transfer was declined. He called me, I called Western Union and was told the money was picked up on XXXX XXXX at XXXX. I called back on XXXX XXXX to make a report because my son did not receive the money. I was told that it would take XXXX days for them to investigate. I feel this is a practice that is ridiculous and disrespectful to the consumer, me. I sent the money because my son needed money next day. Why do I have to wait XXXX days!!!! Someone has my money and I want to know who!!!!!