davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (VA)

I had a low balance of on my debit account at TD of {$6.00}. I fueled up at a gas station on a Wednesday after XXXX using credit. Knowing that it would run through as {$1.00} for a few days before the full amount processed. Where I would load up the account with more than enough money early Friday morning before the banks open. So no harm no foul and I would never reach a negative balance. As planned that's exactly how it all played out. Except that weekend TD decided the would still like to charge me an overdraft when there never was an overdraft or a negative balance on my statement. Huh? ... Funny how that works. Literally stole from me. Called to reverse the fee they refused and I will be closing my account immediately, as I do not like to do business with liars and crooks.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I APPLIED FOR THISE CREDIT CARD AND RECIEVED A MILESTONE GOLD MASTER CARD WITH A {$300.00}. DOLLAR CREDIT LIMIT. AS SOON AS I RECIEVED IT I PAID THEIR {$75.00}. DOLLAR FEE WHICH WAS QUICKLY COLLECTED AND APPLIED TO MY ACCOUNT. I THEN WENT ON TO USE THE CARD, THEN ON THE THIRD OF XXXX I MADE A {$200.00}. PAYMENT IN ADVANCE OF THE REPORTING DATE FOR THE CARD. I RECIEVED A COFORMATION E-MAIL # XXXX THAT IS DATED ON THE XXXX OF XXXX AT XXXX XXXX PACIFIC TIME, AND STATES THAT IF THE PAYMENT IS MADE BEFORE XXXX XXXX  PACIFIC IT WOULD BE CREDITED TO MY ACCOUNT ON THE SAME DAY. THEY PURPOSELY HELD ON TO MY PAYMENT WITHOUT REPORTING THE PAYMENT UNTIL AFTER THE XXXX OF XXXX, I WAS CALLING THEM TO SEE WHY, AND I COUDNT GET AND ANSWER FROM THE XXXX TILL THE XXXX I WOULD CALL TO SEE WHY THEY WERE NOT CREDITING MY ACCOUNT, NOW I SEE WHY.THEY ALSO GO MY THE NAME OF THE XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: COMMERCE BANK (NC)

I owed credit card Commerce Bank of XXXX XXXX, MO {$53000.00} rec 's a letter dtd XX/XX/XXXX received a payment option of {$3200.00} or {$120.00} for 6 months fromXXXX XXXX XXXX Recovery Department. Previously I was contacted I had set up arrangements for paying them through XXXXXXXX XXXX  XXXX, but had to drop them as it was a secured account. Received notice from XXXX XXXX XXXX that they have taken over the account early XX/XX/XXXX. I responded with a payment offer to a XXXX XXXX XX/XX/XXXX. I received an email from her stating she would contact Commerce to see if they would accept the offer. Sometime before the XXXX of XXXX we got a summons, but not date to report. I emailed XXXX about it. XX/XX/XXXX I sent an email asking when was I going to get a response. I never did get any response from her, I just sold my home in AZ and discovered that XXXX XXXX XXXX placed a lien on the property for {$11000.00} which I had to pay at closing. The title company first told me about the lien it was around {$8000.00} then two days later it turns to {$11000.00} This law firm collection agency never notified me of the lien or the date to report for court or I would have been present. I have read reviews of this law firm and it appears they like to bully people that can't afford a lawyer. I am a retired XXXX XXXX XXXX and I obey the laws.
Consumer complaint received 2024-08-05
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. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2018-08-12
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. (OH)

I initiated an online dispute on XX/XX/2018 for 6 accounts in collection for reporting inaccurate dates and balances and 4 belonging to the same company that was paid off by my insurance. The dispute results of these accounts were found to be accurate and/or updated. I have verifiable proof to have the accounts on my credit file corrected and deleted. 

1 ) XXXX XXXX XXXX # XXXX This account has been re-aged and is reporting this account a year off of that in which the original creditor XXXX XXXX has on file. 

2 ) XXXX XXXX # XXXX a ) XXXX XXXX # XXXX b ) XXXX XXXX # XXXX c ) XXXX XXXX # XXXX These accounts are reporting on my file when they have been paid off in full by my insurance company as a result of a workplace accident. My insurance company verified this and is sending me the billing summaries as proof that these accounts were paid in full. 

3 ) XXXX XXXX # XXXX Reporting the wrong total balance. I have proof from Urgent Care with the total balance of this account is {$94.00}. I also paid {$15.00} on XX/XX/2018. 

TransUnion has done a very poor job into the investigation of my disputes knowingly allowing inaccuracies to remain on my personal credit report. TransUnion has failed to provide me with a fair dispute and as a result have damaged my credit. I believe TransUnion never even looked into my disputes and allowed these debt buyers to illegally report innacuracies knowing the information they had provided to TransUnion was not truthful, those TransUnion is at fault for not properly investigating.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy federal has been updating my credit report to all three credit bureau with inaccurate information. When a dispute for inaccurate information was made, Navy federal responded with more inaccurate information and duplicate entries on my credit report. I have paid a service to assist me in clearing up discrepancies however this issue has been ongoing for over 7 years. This issue is having a detrimental effect on my credit and is affecting my score and ability obtain credit
Consumer complaint received 2018-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NH)

In XXXX of 2010 my mother in law passed away still owing a mortgage on her house. The house was left in a trust, the beneficiary being her son, my husband. 

For the last 8 years we've struggled to communicate with the mortgage company because we're not 'authorized ' to speak on behalf of the mortgage. We make the payments and claim the mortgage interest and real estate taxes every year. 

My husband is on the deed. After my mother in law passed away the attorney filed a new deed with his name with the county. 

We've faxed the trust, the death certificate and a copy of the deed to the mortgage company and again to the company who took over servicing the loan. 

They will not talk to us. Still. After reviewing all the documents. They will not discharge my deceased mother in law so we can refinance the house in our names. It's been 8 years. I'm tired of fighting with them. 

Every month they send someone to the house to take a picture of it and make contact with us to ensure someone is living in the home. 

They refuse to tell us why. 

Can you help? 

Clearly we have demonstrated an interest in the property, we've paid for it for the last 8 years and my husband 's name is on the deed. 

They keep saying they need a fiduciary statement. The registry of deeds and our lawyer said because the house was in a trust it never had to go to probate, therefore a fiduciary statement will never exist. 

They are making this impossible. 

What options do we have?
Consumer complaint received 2018-01-25
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. (MO)

I 've spent 3-4 hours trying to get XXXX to  provide my Transunion and XXXX credit reports so that I can negotiate a mortgage with a lender on a home deal that will expire soon. I received the XXXX report online just a few minutes prior to requesting my Transunion and XXXX, so why suddenly have I lost access to those reports? VERY FRUSTRATING! 

Unfortunately, they refuse to provide it to me online, requiring me to order by phone. So, instead of getting my credit report immediately, like everyone else, so that I can have a chat with a lender next week they 're now telling me that it may take up to 15 days just to process my report before they will even send it. The house I 'm interested in wo n't wait that long. 

I simply want to register how unfair it is that these credit reporting companies can hold our credit hostage despite no fault on the part of us consumers. Fact is, they have my information within easy access, but simply refuse to send it. Why on earth does it take 15 days just to process it? I can understand 24, or even 48 hours, but 2 weeks? And it 's 2018, for crying out loud, why am I having to receive it by mail?
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was stunned this morning to find inaccurate accounts appearing on my credit report. I have no clue why this happened. I checked my report as usual, but this time, unexpected discrepancies showed up. I even tried refreshing my browser to see if it was a glitch, but the inaccuracies remained. I need those documents I've sent to be carefully reviewed so I dont have to worry about this again.
Consumer complaint received 2024-08-05
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. (TX)

I'm writing to confer my XXXX as for the tested records on my credit report. On various occasions, I have raised the issue of bumbles in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.
Consumer complaint received 2024-08-05
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. (TX)

In a letter dated XX/XX/year>, you were notified of inaccurate accounts on my credit report and many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have attached the dispute letter, which is dated, and time stamped.
Consumer complaint received 2024-08-05
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)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I am a victim of consumer and identity theft fraud. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. Experian stated in an INTERIM RESPONSE on XX/XX/XXXX in CFPB complaint number XXXX : " Unfortunately, at this time, we are unable to process your disputes, as they are not specific ''. 
I did ask specifically to place a security freeze on all my credit reports and I attached XXXX Police Report XXXX. Experian is INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. Experian will be liable for all attorney fees when I file a lawsuit against them in addition to all financial damages and legal fees and fines. I am already in contact with lawyers and wait until you get what you deserve Experian! I may track all Experian employees who where handling my case and I may charge them with criminal charges. 

You will be hold accountable in court. This is not just a civil case and it implies criminal charges. Experian will be liable too for those criminal charges if they do n't act accordingly and place a security freeze in the NEXT 48 hours of receiving this complaint. I DARE YOU! XX/XX/XXXXXXXX
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I had applied for Lowes Credit card via online. I had infact used this card in the store also. Later due to some issues either I misplaced my card or just lost it. I asked Lowes to send me a replacement card - is it a big deal. Since then I am going thru all sort of troubles ... rather than sending me a replacement card ... they troubled me like anything. 
Finally i got this letter that they had closed my account - why???? I have no idea? 

Does n't this Lowes or XXXX XXXX are aware of the fact that obtaining a credit card incurr hard inquiry on someone 's credit history?? Is it a joke to close the account unless somebody ask or agree for that? And please do n't make excuses for some useless fine terms.
Consumer complaint received 2018-01-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

In XXXX 2016, I received an unsolicited call from XXXX XXXX at XXXX XXXX, XXXX. I was told about what they do and how they could help my online business, then he convinced me to buy one-on-one social media training and coaching for marketing, and a XXXX XXXX and XXXX business page design. This company was working in conjunction with XXXX XXXX  on creating e-commerce marketing. ALL OF IT WAS VERY BASIC COACHING THAT WOULD LAST A MERE 5 OR 10 MINUTES, THEY WERE SUPPOSED TO DRIVE TRAFFIC TO MY SITE, NO SPCECIFIC DESIGN WAS CREATED OR GIVEN TO GENERATE TRAFFIC TO MY WEBSITE. 
I PAID thousands of dollars to them, and in the end I had to actually end of having to do the work myself and building a following something they were supposed to do. 

I did not receive the product and services as was described to me. I find that not only did they misrepresent and not provide the services, they knowingly mislead me into thinking I would be getting a website with marketing that was superior to my current online business, and their lack of efficiency ended up costing me thousands. 

PLEASE HELP ME GET MY MONEY REFUNDED AND HELP OTHERS NOT BECOME A VICTIM!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I am filing a complaint against Experian due to their failure to respond to my dispute letters within the required timeframe, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed two dispute letters to Experian via USPS certified mail. The first letter, with tracking number XXXX, was delivered on XX/XX/year>. In this letter, I requested an investigation into the following inaccurate items on my report : 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 and Public Record Reference : XXXX. Additionally, I disputed the following incorrect personal information : Incorrect names : XXXX XXXX and XXXX XXXX, as well as incorrect addresses : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The second letter, with tracking number XXXX, was also delivered on XX/XX/year>. In this letter, I disputed the items XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and specifically requested Experian to provide their method of verification. I asked for the specific date on which they initiated contact with the creditor regarding the disputed item, the complete contact information for the creditor including their business name, address, and any available telephone numbers, the full name of the individual at the creditor 's end who verified the accuracy of the disputed information, and the method ( s ) through which they communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). I also requested confirmation of whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process.

Despite providing all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address to help Experian verify my identity and address, I have not received any response from Experian regarding these disputes.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the Fair Credit Reporting Act.

I am including a copy of my dispute letters sent to Experian, along with USPS certified mail proof of delivery, as evidence.
Consumer complaint received 2018-04-21
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. (FL)

Experian is currently reporting that the following accounts are mine when they are not. They do not allow you to re-dispute which is against the law. They clearly are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Acount # XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My account with XXXX, XXXX, XXXX & XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX