davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Hello, I am the holder of a XXXX XXXX  Business Credit Card Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XXXX, XXXX I was out of the country on business. XXXX tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. XXXX claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually XXXX   will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by XXXX. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. XXXX closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe XXXX is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not. 

I have been banking with XXXX for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

-XXXX XXXX
Consumer complaint received 2018-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The issue is with Transunion. They claim to have an online dispute process but the website actually does not provide a way to open a new investigation. I called Transunion 4 times this week, spoke to 4 different people and a supervisor and I still not able to open a dispute for an item I see on my report.
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Jon Barry and Associates, Inc. (TN)

The XXXX XXXX XXXX is trying to collect a debt from a hospital visit, however it was discharged in Chapter XXXX this past XX/XX/XXXX. I explained this to them, but they proceeded to add this to my credit report as debt owed.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Short summary : Bank of America 's " AutoPay '' feature is deceptive -- it leads you to think that you're paying the amount due in full when only you're paying the minimum amount due. The rep I talked to agreed with me that the AutoPay feature was deceptive. Then BOA misstated its Regulation Z billing error resolution obligations : when I tried to dispute the fee I was told that only merchandise disputes are errors. 

Longer summary : I set up AutoPay on my Bank of America credit card and I found the options very confusing. Ultimately I chose the wrong one and incurred fees that I shouldn't have incurred. I wanted to choose the AutoPay option that would automatically pay the full amount due on the card every month. Of the options available, the first one was " Amount Due. '' The second option was " Minimum Amount Due. '' Because I knew that I didn't want to pay the minimum, I wanted to pay the full amount on the card, I chose the first option. After incurring a {$28.00} interest fee, I called BOA. A call representative told me that " Amount Due '' was not actually the amount due on the statement, it was in fact the " Minimum Amount Due. '' He said that there was no difference between the two options. When I said that I thought this was deceptive, he agreed. He said that BOA was working through various options which was why they were both listed. He refused to refund me the interest fee and told me that no supervisors were available to speak with me. When I said that I wanted to dispute the interest charge, he told me that a disputed fee was not an error, only a merchandise dispute was an error. Obviously that's not true -- there are lots of billing errors that aren't merchandise disputes. Then I talked with another rep to close my credit card and she also agreed that credit cards have deceptive features and that I should make a complaint so that BOA could fix the problem.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Assests has continued to contact my employer after being asked not to by my employer and by myself. My employer has told them to stop contacting me there, as I have, but they continue to call. They have been repeatedly asked to remove my work number. They also refuse to give me information on where this debt originated. They have also refused to accept my monthly payment offer due to it being too low despite my husband being unemployed.
Consumer complaint received 2018-11-08
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. (GA)

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please delete the accounts XXXX XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My student loans with XXXX  were never in bankruptcy you cant file in student loans. My loans were forgiven due to me becoming totally XXXX  and XXXX XXXX in XX/XX/2007.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Discover closed my account for absolutely no reason at all. Im a long time customer ( 6 years ) never been late, wasnt maxed out ( only at 30 % ) and I dont have negatives on my credit report. Their letter when closing my account stated we are no longer able to meet your service needs. No real explanation, and no help when I called to ask why. Said there is nothing they can do. This hugely effects my credit negatively as I have limited credit, and did absolutely nothing to deserve this.
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OH)

This issue was addressed several years ago. I recieved communications that bankruptcy indicator was removed from any usbank records. Since i have never filed for bankruptcy in my life. I called today and spoke with XXXX in the refinance department on today approx XXXX. he mentioned account contains a previous bankruptcy. He said he couldnt remove it and transferred me to XXXX, in the bankruptcy dept. She says she could send me to a general complaint area. I She also noted the bankruptcy note appearing on screen, and said it doesnt mean anything, which is not true. I want it Deleted completely. The Bank should be responsible to correct their own errors. I want a Vp or other authorized agent to send me written notification -- -WHEN it is done, not appearing at all.
Consumer complaint received 2018-11-07
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: TRANSWORLD SYSTEMS INC (SC)

I have been a victim of identity theft and for that reason I placed a fraud alert on my credit report with all 3 bureaus while I fix inaccuracies and unauthorized accounts and inquiries. I was able to get most information removed thru written disputes, which I notarized and sent certified mail to each collection agency and then to each bureau. XXXX, XXXX and XXXX. I was successfully able to remove information from XXXX  and XXXX. However, XXXX  and the collection agency Transworld Systems/51 has given me a very hard time. I sent a certified letter to Transworld Systems asking them to validate a medical collection, that I have no knowledge of. They NEVER responsded to my letter. According to my return receipt, it was signed for by XXXX XXXX on XX/XX/18. I then sent disputes of these medical collections to XXXX. My first letter was received and signed for on XX/XX/XXXX. I'm not able to make out the name from the signature. They sent me dispute results dated XXXX stating the the accounts had been " verified ''. I immediately sent them another dispute requesting proof of how this debt was verified or any type of supporting documentation since the creditor refuses to furnish any documents. My second dispute was received by XXXX  on XX/XX/XXXX and on XX/XX/XXXX they sent me an email stating my reinvestigation had been started. As of today, XX/XX/18 XXXX has again stated that these accounts have been " verified '' but have not done ANY investigation or provided proof of how this account was verified to be mine. I have no knowledge of this debt and I am concerned that this may be a service that was obtained fraudulently with my information. I demand that these account be verified by either XXXX  or the original creditor and if they can not be, then i demand they be deleted as they are affecting my creditworthiness.
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I filed a claim on a transaction for {$87.00} with the bank. After filing the claim I was given provisional credit, however the bank is not willing to waive the fees associated. There's {$70.00} worth of overdraft fees that are causing financial distress. 

The bank claims that they're going to deny the claim because it's outside of XXXX 's guidelines, however they're unable to quote specifically which guidelines and why they're unable to waive the fees.
Consumer complaint received 2018-11-08
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. (NC)

I have disputed the late payments XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since XXXX and Transunion were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2018-11-08
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: FACTUAL DATA CORP. (ND)

On XX/XX/2018, I mailed a letter, which I have enclosed as proof, to Factual Data about a hard inquiry they placed on my credit report. You can see in the letter that I wrote them, I asked them for " written proof '' authorizing their agency to view my credit history. In their response, which is also included, they state that, " Factual Data provides credit information from CRA 's to its clients, which are primarily banks, mortgage companies and other lending institutions that have a PERMISSABLE purpose under the Fair Credit Reporting Act to obtain credit information for lending purposes. '' Factual Data, as it's own agency, has no signed proof of me granting any such permission to view my credit history, and its client, XXXX XXXX XXXX XXXX has no such proof of permission from me either. I demand that Factual Data remove any hard inquiries made on my credit report to any of the bureaus, and remove any information they have gathered on me in their files. They are violating my FCRA rights as a consumer, and if these inquiries are not removed, I will bring a law suit against Factual Data for violating my FCRA rights as a consumer.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

A merchant charged my card for services that were to be provided. The merchant did not provide the full service, and agreed to refund {$200.00} for the unfulfilled services ( through text message ). The merchant however did not refund {$200.00} for the services. I filed a dispute with my Discover for {$200.00}. Discover is telling me that I need more proof from merchant stating they owe me {$200.00}, even though I have a text message stating the fact.
Consumer complaint received 2018-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (OR)

I have a medical bill from XXXX XXXX XXXX here in XXXX, Oregon. The bill was only {$450.00}. I accumulated the bill due to I had been put into the hospital after a ex-husband became XXXX XXXX with me. He was XXXX and put into XXXX for XXXX. Long story short. I was not working at the time and going through a divorce. A non-profit battered women group helped me file divorce papers and achieve a restraining order against the ex-husband. My medical bill unfortunately was sent to a collections agency here in XXXX, Oregon. They contacted me and I started making making payments to them for the bill in person. I started receiving repeated phone calls from them daily. They left many voice messages on my phone for my ex-husband and his debt. I started receiving my ex-husband 's bills that were being turned into the same collection agency at my home address from XXXX XXXX here in XXXX, Oregon that he owed money to.I called the debt collection company ( Ray Klein Inc. ) multiple times and told the receptionist in person and through voice messages that I do not appreciate being harassed regarding my ex-husbands debt. I told them repeatedly to stop calling me and sending me his bills. I felt that I would never get over the nightmare that he caused me because now I was being haunted by a debt collector leaving messages on my phone regarding him and sending me his bills. What eventually happened was they quite contacting me regarding my debt that I was paying on. I told them repeatedly that my ex-husband was not living at my address and told them of what he did to me. No response. Now, my debt has incurred a {$100.00} in finance charges from the debt collection agency. They never sent me any other letters after the time that I contacted them regarding my ex-husbands debt. I am now being referred to an attorney for the debt.The debt collection has now been filed with the courts. A lawyer has been contacted and is now pursuing collection from me.
Consumer complaint received 2018-04-07
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: Experian Information Solutions Inc. (KY)

On XX/XX/2018 I contacted Experian and asked about a their method of verification for a previous disputed bankruptcy being reported on my credit report. The representative informed me that she could initiate a dispute and I would receive a new credit report in the mail. I received the new report with no bankruptcy listed. On XX/XX/2018 I signed up for a credit monitoring site and noticed the bankruptcy had been re-added. I have not received any notification, as the FCRA laws state any reinsertion requires notifications to the consumer within 5 days. On XX/XX/2018 I have contacted Experian by phone to inform them of this issue and spoke with two different representatives. The first representative informed me that it was a computer error ; which is not true. The second rep named XXXX told me the courts notified them, which the court does not notify the credit bureaus. Then he went on to say they use a 3rd party but would not reveal who that is. Although I am aware that the 3rd party used is XXXX, from previous conversation with the credit bureaus. I was told I would need to dispute the inaccurate information with the furnisher. XXXX has sent a correspondence via email in regards to that dispute on XX/XX/2018 as well as a phone conversation confirming that entry has been deleted. They could not verify this inaccurate information within the required timeframe and are sending the results via mail. This email states XXXX has no role in determining what information relates to which consumer. Therefore they are NOT verifying or validating this information for the credit bureaus either. 
Experian has associated accounts and tried to match them with this bankruptcy that's listed. I have sent in documentation showing these accounts were paid and not negative accounts. 
Experian has violated my rights, saying they are " verifying '' inaccurate information and placing it back on my credit report with no notifications.
Consumer complaint received 2018-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

School XXXX  XXXX  Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$6000.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX  Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$1000.00} School XXXX   XXXX  Lender XXXX XXXX XXXX XXXX   Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXX Original Principal {$3500.00} School XXXX XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement Date XX/XX/XXXXXX/XX/XXXXOriginal Principal {$3500.00} XXXX  XXXX Lender XXXX XXXX XXXX XXXX Guarantor XXXX XXXX XXXX/NAVIENT Disbursement DateXX/XX/XXXXOriginal Principal {$6000.00}
Consumer complaint received 2018-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (CA)

I made a payment though XXXX on my Citi Bank App on XX/XX/XXXX of {$1600.00}. Unfortunately, that payment went to the wrong person. The number had one of the digits wrong and was received by the wrong person. I made the transaction before XXXX XXXX and didn't find out until later that evening. The person that was supposed to get the money called me asking if I sent the money. That's when I realized the money was linked to the wrong person on accident. At that moment I was fine and called customer service right away. When I called, the lady I spoke to said that it was too late to reverse the claim. They transferred me to the fraud department to start a claim. The person I spoke to at the fraud department basically told me that the only way for me to get it was by having that person return my money back. To me, that sounded absurd so I asked how come they wouldn't do that instead of asking me to do it myself. The lady basically said they will try within 45 calendar days. At that point I freaked out so I decided to call the lady after I was done speaking to the fraud department. After numerous attempts and dialing from different numbers, the lady finally answered. When I spoke to her she kept saying that I was trying to scam her. She also stated that such money was already gone from her account and she also wanted to speak to her family to she how she should proceed with this. I was on the phone with her for over 30 minutes, explaining to her and asking her to please send it back to me. Once I mentioned law enforcement, she hung up and never answered her phone again. I tried to file a police report after that call and they basically said they couldn't do it because she wasn't doing anything illegal. I explained that she knows that money isn't hers and she's still not giving it back so that's pretty much stealing knowingly. They denied me the police report and at this point I'm blown away. I kept calling customer service to check on the status of my claim and they kept on telling me to wait, that I would receive a letter in the mail. Tuesday XX/XX/XXXX, my account was credited and refunded. I was happy but that happiness didn't last long enough. The following day the money was taken away again and was told that my money was gone and that they weren't able to get the money back from that person 's bank account and I had to pay for it. To this day, I've complained, written letters and spoken to different managers and it still hasn't been resolved. I need help to get that money back. Please..