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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 ( transunion ). 
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: 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. (OH)

I recently submitted a report identity theft due to recent discovery my identity has been comprised. The following items should be removed and deleted from my credit report Account Numbers : XXXX  XXXX XXXX # XXXX these accounts are Identity theft please delete. 
XXXX XXXX XXXX XXXX, XXXX this account is fraud please delete. 

XXXX ACCOUNT XXXX XXXX This account is an error duplicate entries please delete I do not recognize this company. 
XXXX XXXX XXXX XXXX All of these accounts should be reviewed and removed as soon as possible. I sent info for XXXX or agent of XXXX to do a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

I am in need a complete and well done investigation no E-Oscar system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine though your company claims to have verified this.
Consumer complaint received 2017-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have been enrolled in the Rate Reduction program with Navient for the past XXXX years. Every XXXX months I have to reapply and the interest rate is adjusted. To be on this program, Navient requires a direct withdraw from my checking account. For the past XXXX years, my monthly payment has been allocated incorrectly between my multiple loans. Each month there are adjustments made to move the wrongly allocated payments to my other loans. This renders my statements useless as a tool for me to understand how my payments are being distributed, how much is going towards interest, how much is going towards my balance, etc. 

Over the years, I have attempted to fix this problem with Navient. Each time I try, I am given a reason why this has happened and I am assured the problem is fixed ( each time it 's a different reason mind you ). Unfortunately, I 'm being lied to each time because the problem has never been fixed. 

Earlier this year, when I reapplied for the Rate Reduction program, I explained this ongoing issue to the Navient employee doing the paperwork. He assured me that the problem would be fixed during my enrollment for the next year. Unfortunately, once again, the problem was not fixed.
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. (OH)

I recently submitted a report identity theft due to recent discovery my identity has been comprised. The following items should be removed and deleted from my credit report Account Numbers : XXXX   XXXX XXXX # XXXX these accounts are Identity theft please delete. 
XXXX XXXX XXXX XXXX, XXXX this account is fraud please delete. 

XXXX XXXX XXXX XXXX This account is an error duplicate entries please delete I do not recognize this company. 
XXXX XXXX XXXX XXXX All of these accounts should be reviewed and removed as soon as possible. I sent info for TransUnion or agent of TransUnion to do a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

I am in need a complete and well done investigation no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine though your company claims to have verified this.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I 'm Chase loyal customer since XXXX last year, and I have several credit cards from Chase, but on XXXX XXXX, I found all my credit cards were suddenly closed by Chase without any notice. I 'm also a XXXX visa holder, and when I first landed the United States, I suddenly love the travel culture of USA, and we have so many places to be visited. And the banks, hotels and airlines they support us so good service which I never had in my own country, these all make we foreigners feel better and love this country.People should live with travelling and comfortable life, not only working working and working ( this happened in my country ). After my credit history was longer, I decided to open some credit card to help me and my family to travel better, and we so I opened some product from Chase and with these credit cards we travel to many places in United States. And I do n't gave any negative marks or late payment on all my credit cards, every time they posted, I immediately make a payment, and also I keep my credit usage is less than 10 %. In order to have a nice honeymoon with my wife next year, days ago I opened a XXXX XXXX XXXX Credit card to have a golden membership, it 's approved but days later, all my Chase credit accounts were suddenly closed without any notice. Then I tried to call them, all the department said due to the bank policy, they could not tell me more. I also send them a long secure messages, but not impact. Then I called them again said due to too many account opened in the past several months, I 'm risky and they closed all of mine. I explained to them about my purse, but they did n't care, no impact again.
Consumer complaint received 2017-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I sent three certified letters and the company has violated and failed too : 1. 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.
2. Failed to provide a copy of the original contact bearing my signature.
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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

On XXXX XXXX XXXX I attempted to obtain my credit report from Equifax on the XXXX website. I completed the information and got this response with np explanation. This was the response. Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

As a XXXX XXXX I should n't be treated this way. I tried to contact them with no response. I wish to make a formal complaint about their failure to comply with federal law. There response makes it difficult for myself and I believe violates the Americans with XXXX XXXX. What are the procedures to formally censure the Equifax for not following the law? Thank you,. 



XXXX XXXX XXXX XXXX XXXX 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 — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

Experian is showing an account in collections that has been paid. It is XXXX XXXX XXXX XXXX. I have disputed this but they have kept it on my report. I tried uploading the receipt showing it was paid but I am getting an error so I am uploading it here so they can see it.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I logged into my online account today to make a payment, today is Saturday, XXXX/XXXX/XXXX, I noticed that my balance on my 0 % interest was higher than my spreadsheet shows it should be. I found that the bank has charged a late fee on Friday XXXX/XXXX/XXXX for a payment that was due on Saturday XXXX/XXXX/XXXX. When I called them, after waiting an extremely long time on hold, the lady told me that this is because they do not process payments on weekends, so the late fees get charged on the last business day. This is a very old trick that I thought had been made illegal for them to do several years ago. She said that it SHOULD be removed on Monday, however, I do not trust leaving it up to them to do this. So, now I need to remember to log in on Monday to check this and to keep an eye on them each month. None of my other creditors have to charge a late fee before the due date and then remove it if you pay before the due date ... This should be illegal to do - if you do not process payments on weekends, then do not make the due date on a weekend. See, it is an easy fix.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I cosigned a loan from XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' ) for my mom in XXXX. In XXXX, my mom stopped making payments. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. I immediately started making payments. On XXXX XXXX, XXXX, my mom passed away. My mom did not tell me that she stopped paying the loan. XXXX did not call me or contact me to ask me to make payments even though it had my phone number. When I checked my credit report in XXXX XXXX, I found out about the missed payments. On XXXX XXXX, XXXX, my mom XXXX XXXX. Shortly thereafter, I paid off the entire loan. At no point did I intend to not pay my debts. Once I knew a creditor was seeking payment from me, I started paying right away. Like a XXXX -- I 've always paid my debts. XXXX VIOLATED 15 U.S.C. 1681-2 ( A ) ( 7 ) ( I ) BECAUSE IT DID NOT NOTIFY ME IN WRITING OF ITS REPORTING OF NEGATIVE INFORMATION TO TRANSUNION BEFORE REPORTING THE NEGATIVE INFORMATION OR 30 DAYS THEREAFTER.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Transunion credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX on XXXX/XXXX/XXXX XXXX ) XXXX  XXXX on XXXX/XXXX/XXXX XXXX ) XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Transunion credit report. 

Thank You For Your Time.
Consumer complaint received 2017-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Greetings, While stationed overseas in XXXX, XXXX My lawyers ( XXXX XXXX and XXXX ) have sent several Letters to Navy Federal Credit Union for mis-aproptiation of insurance funds from XXXX XXXX ( over 17,000.00 ) to get my house fixed. Insteand of letteing me get my house fixed they used the money for the moratge and now thereare no funds to fix the property. We have sustained additional damage becasue of teh recent storms.
Consumer complaint received 2017-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

XXXX XXXX XXXX, XXXX was trying to foreclose on my property with a sale date of XXXX/XXXX/2017. On the day the sale was supposed to happen I went to the XXXX County CA courthouse and filed an emergency bankruptcy to get a stay on the sale. Shortly after that I called the trustee, XXXX XXXX XXXX, XXXX in XXXX XXXX, CA and asked how much I had to pay to reinstate my mortgage. They told me it was XXXX and that this was good through XX/XX/XXXX. However they never followed up with an itemized statement of what made up that amount. It was over what I calculated by at least {$2000.00}. Since I wanted to get my account current I went ahead and paid the {$12000.00} on XX/XX/XXXX. At this point I thought all was well. Then in XX/XX/XXXX Ditech sent me a statement showing I owed {$14000.00}. A few days after that I received another notice that my house was going to be sold at auction on XX/XX/XXXX. So I once again called XXXX XXXX XXXX and asked for a quote for reinstatement. After about 2 weeks of waiting and not receiving the quote I called XXXX and asked why they had not given me the quote. They said it was up to the lender. Well after about 30 minutes they e-mailed me the quote and it said {$4100.00}. This was for XX/XX/XXXX and XX/XX/XXXX payments ( 2 x XXXX ) plus what I believe were outrageous other charges. To avoid the foreclosure I paid the amount to XXXX Services on XX/XX/XXXX. XXXX Confirmed receipt of the payment and were forwarding it to Ditech. I have been calling Ditech every few days because they confirm receiving the payment but for over two weeks now they say they are processing it. To this day, XX/XX/XXXX, they still have not applied my payment but assured me my mortgage was reinstated. I think they are holding the payment long enough to become deliquent so they can start another foreclosure sale and make me pay more late charges and fees.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have not been able to log on and manage my finances since XXXX XXXX. 
I called Capital One and she she told me it was my browser. 
But i tried everything and its still not working. 
On XXXX XXXX, I called and spoke to a Capital One supervisor. She claimed that their back office somehow dropped my user name and will work on fixing it within 10 business days. 
On XXXX XXXX, i called again. 

I have been informed the male supervisor that he can not do anything else. He have no compassion or care about my situation. 

On top of that he said i have to wait another10 days from XXXX XXXX to see if they can fix this issue. 

How can an online bank do this kind of things to a customer? 

I lost my confidence in this bank. 
Their management team have no emphathy and DOES NOT value customers!
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was dismayed once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I used my USAA account both checking and savings cards to withdraw money at XXXX XXXX Bank. I was able to withdraw {$600.00} from my checking account. I attempted to withdraw XXXX from savings using a separate card from USAA at the same XXXX atm minutes apart. I could hear the ATM machine counting the cash for the savings withdrawal, the ATM never dispensed the cash from the savings. The ATM machine screen said oops we 've experienced technical difficulties unable 2 complete your transaction. Nonetheless {$500.00} was debited from my savings account that I never received. I filed a complaint with USAA and they said XXXX looked at the video and I took cash. I never received cash from the savings withdrawal. There should have been two desperate withdrawals of cash not one. I feel I have been robbed {$500.00}. Neither USAA or XXXX will help me. I 've been robbed of {$500.00}. All they have to do is look at the video and see I only took cash from my first withdrawl from my checking account. No money was dispensed from the savings account which used a separate card from the checking. {$500.00} disappeared electronically Into Thin Air. Please help me deal with these banking corporations who have robbed from me and refused to look into the problem and correct it. USAA says it 's XXXX XXXX problem and XXXX XXXX says it 's USAA. Again please help they robbed me at Christmas time and I do n't know what else to do.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX 2017XXXXXXXX on XXXX promised to mail me a set of XXXX pins. I sent her : {$33.00} of my PayPal balance and {$69.00} to pay for it all. She never shipped my pins and is a scammer. I talked to other people on XXXX who were scammed too. I reported this to PayPal and PayPal did not give me my money back. I want my money back. Please help me.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( XXXX ), I HAVE ATTACHED THE LETTER PROVIDED BY XXXX TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. 
PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. 
THANK YOU