davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-09
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (WA)

Hello - I write this in the hopes it helps others. 
We have had several CD 's with Ally Bank dating back to XXXX, totaling approximately $ XXXX. Recently, we asked Ally to deposit $ XXXX out of maturing CDs into our XXXX XXXX XXXX account. These funds are needed for our beginning retirement XXXX XXXX, XXXX, so the funds are important to us. Today was the first day a deposit would be received. Much to our surprise, instead of depositing {$7400.00} into our XXXX checking account, they withdrew {$7400.00} from our checking account ( without authorization I might add ), overdrawing our account by {$5900.00}! I am appalled and shocked such a mistake would take place. 
In calling Ally Bank today, they acknowledged the mistake, but clearly did not understand nor have a sense of urgency to fix it. This is no small error. The representative on the phone stated they could wire the funds back to the account, but we would be charged a wire fee of {$20.00}, and need to set up a wire transfer in our own account. Really? They make the mistake, overdraw our account thousands of dollars, and we pay a fee and have to go through a laborious process to get our own money back?? 
Let me get this straight. I was originally supposed to be deposited {$7400.00}, now I am out a total of {$14000.00} as funds were inadvertently debited in error. 
At the time of this writing, I am still speaking to a supervisor. I 've been on and off hold XXXX to 12 times as we research, change profiles, update profiles, research some more, try to figure out how to wire ... XXXX Now I am being told the transaction is " in limbo ''. After two hours of being on the phone, I have had to set up a wire transfer myself, and told " we will waive the {$20.00} fee due to the error ''. Apparently, this XXXX dollar company does n't have a clearing account to swiftly right a wrong. The onus is on the consumer. 
At the end of the day, the measly amount we get for interest is n't worth the stress and angst this has caused us. We are through with Ally Bank.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed XXXX accounts with transunion credit reporting agency informing them that these accounts were reporting inaccurately and to please remove off my credit report. When I received the results the accounts came back verified. I then called the original creditors and they were not able to provide me with information regarding the accounts I disputed. I then called transunion and request the method of verification to be provided to me. They told me they do not have any documentation to provide to me and that I need to contact the original creditor. I then informed them that I did in fact contact the oringinal creditor. She then stated that that is where they got their information from and I was like please provide me with this information and she stated she can not give me this information. I informed her per the fcra that o have the right to request method of verification and she said yes you are correct and to contact the oringinal creditor. I then informed her once again that I did talk to the them and I can provide you with the name of the person I spoke with, the time, the telephone number as well as the department and they all told me that they do not have any information regarding those accounts. I then asked to be put on the phone with a supervisor and she told me to hold and then she hung up the phone on me. The accounts that I am requesting to be removed are : XXXX/express acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-10
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Alliant Capital Management LLC (OH)

A company by the supposed name of " Allegiant Capital Management '' has made several phone calls to my family members, job and friends claiming that they are " serving me papers for a debt ''. They have contacted me personally as well and have left several messages from different phone numbers stating " the purpose of this initial communication is to make you aware of an attempt to obtain your signature for required documentation in acknowledgement of protecting your consumer rights for your breech transaction. Failure to respond will result in direct violation under gross negligence. Please contact the compliance department at XXXX or press 1 to be connected. '' This number called from XXXX XXXX, WA and they also call from XXXX. They are very threatening, and they will not give any information on this supposed " debt '' and only want to receive information without giving any details.
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please be advised, this company was already put on notice and sent documentation I am a victim of identity theft. Transunion provided my personal credit information to companies without ANY PERMISSIBLE PURPOSE under FCRA 604. 

I have attempted to dispute several inquiries with Transunion and they refuse to investigate these fraudulent inquiries. I have contacted all creditors listed below directly and they have referred me back to Transunion, I 'm getting the run around. These inquiries into my credit file were not authorized. 

XXXX Requested On : XX/XX/2016, XX/XX/2016 XXXX XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 I am requesting these inquiries be removed from my credit file as they had no permissible purpose to even access it. Per FCRA. 

Thank you.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MN)

I refinanced my home loan and wanted to make my first payment today and I was told over the phone they would add {$11.00} to my invoice to make the payment via telephone. They also said the XXXX payment ca n't be made via their online website. None of this information appears on the hardcopy mortgage statement I received in the mail. I 'm more than willing to pay the amount that appears on my mortgage statement, nothing more, nothing less. I 'd like to make my {$2100.00} payment via telephone prior to the scheduled due date of XXXX/XXXX/16.
Consumer complaint received 2017-03-23
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Judge XXXX is leaving a court hearing open for the XX/XX/2017 on calender when I spoke to XXXX court clerk and said it was dismissed twice, however there are cases where they leave this open and steal your property at auction. She has committed treason in open court twice in case. I asked the Court clerk to have it removed and said it was n't necessary. She has no contract. 
There come to find out was no loan, and forged security instrument non-disclosure lending people back their own Trust Money of the fraud B.C. bond however there is a fund in which they steal from on XXXX derivative market XXXX
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive initiated several disputes with transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX & unknown medical collections are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous.I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-05-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (TX)

I paid off my auto loan in full n XX/XX/2016 with US Bank. I call in to their Auto loan department and when it asks me for my last XXXX digits of my social security number, it finds a mortgage account and takes me to their department. They have tried to transfer me to their auto loan division but I am asked for my social and get transferred back to their mortgage department. I am now two months into having paid my car loan in full and they have in all likelihood sent the title to my old address. There is no US Bank location within XXXX miles of my location ( per their website ) and I cam unable to contact them via phone. Meanwhile, somebody else has the title to my car and can now legally sell it without my knowledge. My address was current in their system since my new condo is financed through them. I would caution anybody from having more than one type of loan with US Bank.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

The item with XXXX XXXX was deleted from my XXXX credit report on XXXX/XXXX/XXXX and it was re-inserted back on my credit on XXXX/XXXX/XXXX. There was no reinsertion notification as required by law. 

XXXX, Experian and XXXX FAILED to notate on my credit report that this item was in dispute per the FCRA. 

I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. 

They are in violation of the FCRA on the following counts : 1 ) Neither Experian, XXXX nor XXXX, notated the item in dispute. Still current report is not notated. 
2 ) XXXX deleted item and reinserted back on my credit. 
3 ) XXXX did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 
4 ) XXXX failed to cease collection activity On XXXX/XXXX/XXXX Experian was in receipt of my certified dispute tracking # XXXX and they too failed to notate that the item was in dispute per my report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

My current report dated XXXX/XXXX/XXXX has no comments stating that the item is in dispute. Still after 2 years of my Validation request that they received on XXXX/XXXX/XXXX they NEVER notated that this item was in dispute. 

My last attempt to get this resolved was a certified letter tracking # XXXX sent to XXXX on XXXX/XXXX/XXXX informing them of the violations. 

I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a {$47.00} collection that was previously deleted. This item is the only blemish on my credit report. 

This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. 

Attached documents include copies of several of my credit reports where both Experian and XXXX failed to notate the item in dispute. There has been no statements made on my credit reports over the past 2 years that this item has been in dispute.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I left the country back in XXXX 2016 and return to the United States in XXXX 2016, received an letter from Citibank say that I owe them {$270.00}. I have a positive balance of {$83.00} at the closing statement on XXXX/XXXX/2016. For no reason Citibank sent me a refund check in the amount of {$83.00} in XXXX, which till this date I still have not received them, and a notice from Citibank dated XXXX XXXX, 2016 was sent to me in regards to a stop payment of the check. The bank should never sent a refund check and started charging me late fees and interest base on my own calculation. Citibank now owes me {$26.00}, instead of me owing them {$270.00}.
Consumer complaint received 2017-03-23
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

I had to close a checking account due to fraud. Since changing to a new checking account I have had repeated instances of having checks declined by Certegy Check Services. I contacted them for a copy of my file to explain why they were being declined and the file states " This transaction fell outside of the guidelines Certegy has established for authorization ''. I called them and they threw responsibility back on the store - because they just advise. They were not able to give me any reason for the checks being declined. In addition, one check was declined and then a month later approved - same checking account, same person. They did tell me not to let this experience stop me from trying to write checks.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am trying to payoff my mortgage. I have always sent payment via ACH transfer. To payoff the loan I ca n't use ACH transfer. According to the bank the payoff can be a personal check which they will hold for 14 days before processing the payoff or I can wire the money which has fees involved. I think this is unfair give ACH has been an acceptable payment method for years. SECOND. I need a payoff letter which may take 2 weeks to receive. I asked for an electronic method of transmittal and was told I could not get and email but i could pay {$30.00} for a fax. I think this is just abuse. They have made money at every step of the way and when it comes time to close the loan they make it difficult. FOR comparison, I just paid off my Auto loan with XXXX, I sent in the last payment and received the title within days. no payoff letter, no hassle.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NV)

I qualified for the Nevada Foreclosure Mediation Program in the XX/XX/2016. Upon receiving the notification I was instructed to work with reps from XXXX, XXXX XXXX XXXX to provide the appropriate documentation to determine Refinancing options for my mediation. Paystubs, Utility Bills, XXXX, Bank Statements, XXXX forms. My mediation was conducted on XX/XX/2016 upon which I was informed that additional information was still necessary for Shellpoint Mortgage to determine possible options for me to consider in lieu of Foreclosure on my property. I have contacted Shellpoint and XXXX, XXXX, XXXX multiple times since my mediation ( email & Phone ) and I have yet to receive a call back or email. It appears that I am being ignored. I contacted the Mediator and he suggested that I seek legal advise to reconcile this scenario. Can you please assist in resolving this issue? I just received mail directly from Shellpoint today stating that " we are unable to offer you a loss mitigation option because you did not provide the docs that were requested ''. I have emails dated in XX/XX/XXXX asking if additional information was needed for their underwriters and have gotten no responses on any of my requests.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is still reporting a delinquency which is more than 7 yrs old and will not change their reporting status after multiple attempts through the credit reporting agency. The original delinquency began XX/XX/2009. they are a 3rd party collection agency and began their reporting when they took over the loan, which is incorrect. Per the fair credit reporting act, they are supposed to start reporting from the original delinquency date. Therefore, this reporting would not be on report because it is beyond the 30 day reporting status. Included are the documents stating the actual date and the credit report showing their reporting date. The credit reporting agency said they cant make them report correctly but that it was illegal. I have sent the same information to the credit reporting agency but to no avail. Please help me, to confirm they are incorrect in their reporting so I can clear this off my credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My personal information has been compromised. I am a victim of identity theft. I have been requesting information from various companies and debt collectors and have been unsuccessful. I have provided multiple FTC reports and police reports to creditors and credit reporting agencies. The companies reporting inaccurate accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The only address I have been associated with is XXXX XXXX XXXX XXXX Oh XXXX Please remove anything different!!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.