davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-14
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 contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Experian : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX )
Consumer complaint received 2017-10-14
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. (PA)

On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports. 
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of Equifax and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.
Consumer complaint received 2017-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I recently got scammed by a person named XXXX XXXX from XXXX who asked me to transfer {$4600.00} to another BOA Account holder ( XXXX XXXX XXXX BOA Account : # XXXX ). I did an online transfer, but XXXX is not satisfied, & asked me repeatedly to cancel transfer & do cash deposit by physically going to the bank. I called customer service twice ( On Friday, XX/XX/XXXX, XXXX XXXX & XXXX XXXX CDT ). 1st CSR told online transfer ca n't be canceled. 2nd CSR,  however, told transaction is successfully canceled and money is refunded back to my account. XXXX Account balance is {$9100.00}. PROVIDED WRONG INFORMATION.Please see the attached cell phone conversation recorded ad forward to XXXX to hear 2nd CSR voice. 

Went to BOA Financial center On Friday, XX/XX/XXXX at XXXX XXXX CDT to withdrew {$4600.00} cash. Available balance according to receipt {$4500.00}. At XXXX XXXX CDT deposited {$4600.00} cash to XXXX XXXX XXXX BOA # : XXXX. I have deposit slip. 

On Saturday, XX/XX/XXXX logged in BOA Account and noticed Online Transfer was not canceled and {$4600.00} is transferred twice to XXXX XXXX. 

BOA has opened a claim request # XXXX and they will request the recipient to refund the 2nd {$4600.00} he received!
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Items were properly removed from XXXX and XXXX files. By LAW the other 3 must comply w same. 

They have refused to do so. I just recieved letters from XXXX and XXXX saying accounts were purged. The other 3 have not complied. It is not up to the company involved to remove this inaccuracy and failure to validate the debt. 

The debt is not owed for numberous breaches of contract on company fault, not the consumer. As such.. 

The other 3 must also delete the info. XXXX XXXX was asked about this and this inconsistency. They provided no answer. The FCRA, however, itself provides this answer. THE BUREAUS MUST COMPLY and SHARE the DELETIONS. If one deletes it, so must the others.
Consumer complaint received 2017-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (TX)

I sent 3 certified letters and the company has violated and failed too : Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 


This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2017-10-14
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. (WA)

I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think Equifax was the reporting credit union. 

Equifax refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (MA)

Manager from XXXX collections was very rude and unprofessional ca n't negotiate with him because I live in XXXX in Massachusetts and want to do a 80 % off of {$1500.00} to be settled and have letter for proof, that payment was made and paid in full. 

But manager was very rude.
Consumer complaint received 2017-10-14
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. (MD)

I had identity theft on my credit report. I sent all of my information to all three credit bureaus with a XXXX attached to my police report. I do know that the bureaus have up to 5 business days to delete the invalid information. TransUnion is refusing to delete the information that does n't belong to me. I am requesting that TransUnion immediately deletes the fraudulent information on my credit report, they now have had my police report for 3 weeks now. XXXX and XXXX deleted these fraudulent accounts on my credit report with no problem. There are 5 accounts in collections that do not being to me. They need to be removed immediately. I have also made a complaint in here in XX/XX/XXXX about the same companies and the collection agency never sent me anything to show any proof that I am the owner of the account
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (ME)

I received my new account statement from Sunoco. The new balance they were charging was more than my actual gas purchases that were showing on my statement. On XXXX I bought {$23.00} worth of gas, XXXX {$12.00} worth of gas, on XXXX {$23.00} worth of gas. Those transactions totaled {$58.00} plus a {$2.00} fee for I do n't know what. They showed my new balance as {$76.00}. I called on XXXX XXXX to ask why this discrepancy. She said I have another gas purchase of {$16.00} that I made on XXXX. I said well why is n't that XXXX then showing on my statement. She said it 's just the way the statement cut off. That charge will be on next month 's statement. I feel that if they 're charging me for something they should be showing that charge on my statement. I 've been trying to pay off my balance every month to avoid interest payment, now this extra charge is just enough to prevent me from doing that this month. I do n't think it 's right. Citibank is the owner of this Sunoco account.
Consumer complaint received 2017-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

deposited a valid check for the amount of {$3000.00}. i was told by XXXX XXXX who issued the check that Regions Bank improperly processed the check and treated the check as a cash advance, rather than a check. however, the check was written pay to the order of Regions Bank ; and therefore, it should have been processed as a regular check, as a cash advance could only be given if i cashed the check at the Regions Bank branch with the check made out to me or to " cash ''. this was not the case. Regions improperly returned the check to XXXX without crediting the funds of {$3000.00} to my account, as they should have, thereby causing me injury, damages, damages to my reputation and relationship with third parties who were consequently affected by Regions ' malfeasance.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

hello please for your help i have rquested Equifax to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on dispute.equifax.com due to my girl freind can access it but i cant tested on several computers. 

Please inform Equifax who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: DISCOVER BANK (FL)

On XXXX XXXX, XXXX, I used the Discover Card convenience check mailed to me by Discover by depositing this check witXXXX XXXX XXXX Before using, I called Discover, and Discover customer service rep told me, after looking up my account, that I have available credit to cover the check for {$3000.00}, and I was told by Discover that I could use this check just like any ordinary check XXXX call is recorded and stored on mp3 and took place XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was notified by XXXX that the check was returned, and I was notified by Discover that they are dishonoring the check, even though Discover told me before hand that the convenience check for {$3000.00} would be paid by Discover, and that the {$3000.00} balance would appear on my credit card statement. The check should have been paid as agreed between myself and Discover on XXXX/XXXX/XXXX, and the terms and conditions of the convenience checks sent to me by Discover do not indicate any restrictions or limitations, except available credit only, which there was plenty of on the date and time Discvover dishorored the check in bad faith, breaching their contract and fiduciary duty to me.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried to access my free annual credit reports online at XXXX today, XXXX/17, and after receiving and downloading the first report from Trans Union, I followed the prompts to return to the site to get the next report. I clicked to link to get the next report and was taken to a blank page with no indication of action happening. After 30-45 seconds, I clicked the " back '' button only to discover that the site thought I had already seen and downloaded my second report. I followed the link to receive my next report again, and the same thing happened. I clicked the back button again, thinking I could try again and was told something like, " see you next year when you can get your free report again. '' I never received two of the three reports due to website issues on their end and I am furious. 
I called their phone number to try and receive the reports by mail, but since they probably think I got the reports online ( even though I DID N'T ), I feel sure wo n't get them. I do n't want to wait and try to find out. I am being proactive and trying to deal with it now, but there is no actual way to contact the service, so I feel like I 'm totally screwed. I want the free annual copies of my XXXX and XXXX reports that I am entitled to and I do not want to be punished for poor website functioning. Please help.
Consumer complaint received 2017-10-14
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: Experian Information Solutions Inc. (TX)

Dear XXXX XXXX, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the XXXX XXXX XXXX due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).
Consumer complaint received 2017-09-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NJ)

I had lost my job in XXXX XXXX. I was on unemployment until my claim ended in XXXX XXXX. I was behind 2 car payments due to lack of income. I borrowed money from a relative to make a payment in XXXX XXXX and XXXX. I started working as a XXXX XXXX the end of XXXX. I explained to Ally I only work 30 hours per week and make less money than my previous job. I tried to explain to them that I do n't get for holidays or missing work. I was scheduled for a XXXX XXXX in XXXX causing me to miss a day. The beginning of XXXX I offered to pay $ 100+ a week until I was caught up. I would receive additional hours in XXXX, allowing me to pay more. One representative I spoke to told me that was ok. Then a few days later I received a call from collections representative named XXXX. She was insisting I pay 2 payments this month or my account will go into further collections. I advised her to see all of my previous notes stating my reason for delinquency and I was not able to borrow money from any more friends or family. She found my plan of sending $ 100+ a  week unacceptable. I advised it was temporary until we started getting more hours the next month. I spoke to XXXX again just last week and she wanted me to have a payment in by XXXX and another in 2 weeks. I told her I can try, but I ca n't guarantee it because I do n't always get paid on the same day ever week. I also received a nasty letter saying if I am late again, they 'll exercise their rights without informing me. 

I feel Ally is being borderline harrassing with their calls to me and my father who 's listed on the loan for credit purposes. I believe I am trying to make a fair attempt in paying my car loan. Ally seems to think they are the only bill I have to pay. I have fallen behind in all of my accounts in order to keep my vehicle. I would like them to have a bit more compassion with my issue. I understand I need to pay my loan and I am trying to do so to the best of my ability. Please assist me further with this matter. Thank you for you time and consideration.
Consumer complaint received 2017-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (CO)

Provident Funding purchased our mortgage from another financial institution in XXXX XXXX. By law ( Section 6 of the Real Estate Settlement Procedures Act ), they are barred from charging a late fee for the first sixty days following the effective date of this transfer. Still, I attempted to setup automatic payments via Provident Funding 's website so that they would be paid in a timely fashion starting in XX/XX/XXXX  Apparently there was an error in the information I entered ( which their website did nothing to highlight ).
Instead, they just charged me a {$20.00} " Returned - NSF - Unable to locate account '' fee when they were not able to complete with automatic debit from my bank account. I subsequently opened a customer service case with Provident Funding, asking that the fee be waived. They declined, saying " Due to the high level of scrutiny banks and lenders face, we are left with no latitude to make exceptions and we want to ensure we have a fair application of policy relating to waiving of returned payment fees. '' I rejected their resolution and reopened the support case, noting that it was ridiculous that they would not have charged me if I had done absolutely nothing and made no attempt to pay them ( but did charge me a fee because I did and there was some issue with the info that I entered in their website -- even though their system had no features to try to note that before charging me a fee ). They then closed the support case a second time, saying again that they " can not make any exceptions to our policy of the {$20.00} returned payment fee. '' Obviously, a {$20.00} fee is n't a whole lot compared to a monthly mortgage payment. However, I am severely disappointed to be stuck having my mortgage owned by a company that does not agree that it is ridiculous to penalize a customer for trying to pay them, when they would not have penalized them for making no such attempt. 

Since they purchased my existing mortgage, I had no choice in being a Provident Funding customer. For others that do have a choice, I strongly suggest that you take your business elsewhere.
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (IL)

Unfortunately I have been being charged for {$29.00} late fees XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} I inquire about the charges that are constantly putting my account in negative and all I was told is it's mandatory to be charged but they only charge fee one time.