davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NM)

I posted my complaint on the Experian website, letting the company know that I did request my FICO score at the cost of {$1.00} and I DECLINED to sign up for a membership for continuing access to the score. That was in the first week of XXXX. On XXXX XXXX, 2018, Experian used my debit card information to charge me {$21.00}. So I tried to call the company. It was very difficult. The first two times I provided the information requested ( soc.sec. #, etc. ) the automatic system said it did " not understand, please enter your social security number '' After going through that three times the call was disconnected by Experian. Then I called a different number I found posted and finally got through the I.D . part of it. Then I got two options : Press One for membership information, Press Two to register a fraud. There were no other options. I called again, went through the I.D . business  and got the two options. My wife said to select One, membership information. Then there were some choices presented and I selected " billing question. '' What I heard after that was another recorded voice telling me " you 're expected wait time is more than 30 minutes. '' So, I sat there for nearly a half-hour, listening to all of the great services Experian could provide me. Then the call was disconnected. 

I did go back to the site and " cancelled '' my " membership. '' Do n't know if that will work. 

Please let me know how I can get my money back. It 's not just the cash I am concerned about. I felt ripped off and resent it.
Consumer complaint received 2018-01-24
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. (TX)

cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

My husband was buying a car an without my permission they ran my credit. It was not me buying a car and i told the company XXXX XXXX i did not work an dont run my credit., but evedentlly they did it any way.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SUNTRUST BANKS, INC. (GA)

SunTrust Failure to properly close personal checking account resulting in bank fees {$630.00} 1. Started approx XX/XX/XXXX with unauthorized charges on my personal checking account ... I filed written statement of unauthorized debit with my branch and all funds were returned to my account. 
2. These unauthorized charges continued until I closed the account on XX/XX/XXXX. 
3. The Suntrust rep promised me that the account was closed, after I opened a new account with Suntrust ( on XX/XX/XXXX acc't had XXXX balance ). 
4. More unauthorized charges continued on old account until someone at work recommended I go to another branch. The first thing the rep at the other SunTrust branch did was block the old account on XX/XX/XXXX. 
5. On XX/XX/XXXX Suntrust debited my new account {$770.00} stating I owe the bank for fees from the closed account. 
6. I contacted the Suntrust Client Advocacy Resolution Dept and after one month the full amount {$770.00} was returned to my new account. I thought this matter was finished. 
7. On XX/XX/XXXX Suntrust debited my account for {$630.00} claimed these were fees not unauthorized charges ( Right to Offset ) On XX/XX/XXXX I returned to the Suntrust branch and spoke with branch manager and was told she would be back in touch. I never heard from she again. 
8. I tried contacting the Suntrust Client Advocacy Resolution Dept again, but until today no one has returned my calls.

9. I am a military ret and need the money to finish the XXXX XXXX I had started.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/XXXX I signed up for an account with XXXX at XXXX and linked my TD Bank account to auto debit {$200.00} each money into my XXXX investment account. On XX/XX/XXXX, the last of the {$200.00} deposits were transferred. Since that date, XXXX is claiming that TD Bank is blocking the linked auto debit. I have received two noticed of the issue with TD Bank from XXXX over the past 2 weeks. I spoke with 3 different departments at TD Bank today, XX/XX/XXXX and was told that there is no indication of a block on my account and that XXXX has not attempted to retrieve. This is incorrect according to XXXX and the auto notifications I have received from them concerning the blockage of transfers.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (WA)

I had recently found this collection amount in my credit report it says 9 months ago from XXXX XXXX XXXX in Texas. I live in the state of Washington. I have not signed up for anything regarding to my credit within that time. Ive dissputed it multiple times for it to be the same. Ive reached out to the company online and telephone to ask what the collection was and they dont answer at all. They take me to a operated machine that says leave a voice mail. Ive got no call backs, no email replies. Ive read on the XXXX XXXX answers and question from other people that this business is a scam who is using its company to collect money from people and I am concern that this is effecting my credit when I dont owe anything!. It couldnt be my school loan because I have a forbearance on it since I wasnt employed and afford it at the moment. Theres no other possible loan I owe besides that. Ive been calling for months and they have NEVER reached out to me to tell me I had this collection like other companies do.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All 3 credit reporting agencies are in violation of my fair credit rights, they are reporting late payments 15USC168a ( 2 ), invalidated charge off and collection on my reports, as well as refusing to remove old address from my report, I have filed a complaint with FTC and will continue to do so until the violation are removed
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AK)

XXXX is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from Cornerstone services without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking XXXX to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

Opened a secured account to build credit now my score is the middle XXXX and the account has been over a year close to 2 years and Discover refused to return the {$250.00} dollars deposited. 
Month after month saying I do n't qualify for promotion to the next level. However, I have received two major credit cards in which 1 is {$4000.00} limit and the other {$1500.00}. Furthermore, I have never been late and Discover is trying to say because of their system glitch that a payment defaulted back to my husband 's account which he closed. Discover received a NSF on a payment. However, I called 24 hours later and talk to rep at Discover which she verified my statement an no fee or late payment was reflected. 
What will it take for Discover to do the right things for the consumers or will we see years later a class action and government fines like XXXX XXXX?
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TN)

I sent a letter to Diversified Consultants Inc on  X/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$340.00}. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement which does not prove that I am obligated to pay them anything.They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I received a letter from " Transworld Systems Inc. '' dated XX/XX/XXXX stating that " XXXX XXXX XXXX XXXX has placed you account ( s ) with this office for collection ''. 

The original toll fee is {$8.00} and the additional ( late ) FEE is {$100.00} for a total of {$100.00}. Let it be known that I will gladly pay the {$8.00}. 

It has taken me 2 weeks to respond to this notice because since the date of violation, XX/XX/XXXX, I have moved from XXXX XXXX to XXXX and so it has taken 2 weeks for the mail to be forwarded to my new address. 

About a month ago I spoke with XXXX XXXX XXXX XXXX re : a similar issue ( if not the same issue ) and I paid my debt and CLOSED MY ACCOUNT since I no longer live in the State of XXXX XXXX. 

Now a month later I am receiving a letter from a debt collection agency and I am confused. I want to settle this issue immediately.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TN)

BayView Loan Servicing purchased and/or received our loan from XXXX XXXX on XX/XX/XXXX. BayView has been attempting to collect payment from us dating back to XX/XX/XXXX, although the loan was not theirs to service at that time and our payments were made ( which we have documented proof of ) to XXXX XXXX up until we were notified by XXXX XXXX on XX/XX/XXXX that the account would then be serviced by BayView. BayView also violated mortgage law by not informing us of the change of loan servicing until XX/XX/XXXX ( also documented ). According to law, they are required to notify us at a minimum of 30 days before the loan servicing changes hands, which they failed to ever do. The fact that they are : a. attempting to solicit funds for a period of time that they did not have legal right to the servicing of our loan and b. failed to maintain the legal 30 day notice of loan servicing change notification, BayView has violated state of Tennessee and federal mortgage loan laws. BayView has now began threats to foreclose on our home that is, documented, as being up to date on all payments and the error being on their side in this matter.
Consumer complaint received 2018-01-24
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. (NE)

Experian has refused to remove information that I have identified as fraudulent. I have already provided an affidavit of fraudulent activity to Experian and still they refuse to remove the information. They allege they verified the information with XXXX, however ; I have already informed XXXX that the information is fraudulent. XXXX 's legal representation advised me that I must file a fraud affidavit to have the information removed. They advised I must complete their packet, I have not completed their packet as there is no law that specifies I have to complete paperwork prepared by the creditor but rather simply file the affidavit with a law enforcement agency. I filed the affidavit with the FTC and am providing a copy of the affidavit to Experian.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CA)

Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you
Consumer complaint received 2018-01-24
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. (TX)

In XX/XX/XXXX I disputed XXXX with XXXX, equifax, and XXXX. Equifax and XXXX said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX, I mailed an in-full monthly payment to my Capital One business credit card for the XXXX statement that was due XX/XX/XXXX. When I received my XX/XX/XXXX statement, it indicated a balance that also included the past XXXX statement amount, plus a {$39.00} late fee charge and {$17.00} interest charge. 

I immediately called Capital One ( XX/XX/XXXX ) to find out why they had not credited my previous payment. The customer service rep, XXXX, claimed it was never received. I ask not to be charged the additional fees because I had mailed the check and I could only assume that it was lost in the mail. They agreed to deduct the additional fees within 3-5 days while allowing 7-10 days to receive my replacement check for payment.

In the meantime, I received a letter from Capital One ( dated XX/XX/XXXX ) that returned my  check to me. The letter stated they were unable to process the check due to damage. The check they returned to me in the letter looked as though someone had taken a pair of scissors and had purposely cut a series of the banking numbers out of it. I again immediately called Capital One ( XX/XX/XXXX ) to find out how the check damage '' might have happened ( XXXX claimed a machine opens the received checks, not a person ) and why they would have charged me a late fee and interest when Capital One had already known of the damaged check and of its return to me ( XXXX claimed a computer automatically generates related late fees ) and why, when I previously called on XX/XX/XXXX, that none of the information related to the damaged check was noted and in their system. XXXX made profuse apologies and excuses on behalf of the companys machines and computers but according to her, no human was responsible for any of the problems I was having. 

The next insult from Capital One came an hour after that conversation when I attempted to charge a {$3.00} USPS postal fee and it was declined. Despite being told on XX/XX/XXXX that I had a window of 7-10 days for the replacement check to be received only 5 days had passed so why was it declined? When I called Capital One ( same day ) to complain about the declined charge, XXXX explained she couldnt help me change the status of my card, that it was out of her hands as my account was automatically put on hold due to non-payment. 

So my complaint-inquiry is twofold. First, is it legal for Capital One to have applied late fees and interest when they were aware that their equipment was the reason the check was damaged and not able to be processed? Doesnt Capital One have a responsibility to also change that automated process ( which should n't have charged me late fees in the first place ) as well as institute a grace period for the customer to send a replacement check when this type of internal failure happens on their part? 

A response from a capable, problem-solving human would be appreciated.
Consumer complaint received 2018-01-24
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. (LA)

On XX/XX/XXXX, I contacted XXXX about an unauthorized inquiry that was pulled on my account on XX/XX/XXXX, I received a response back stating that they will contact all the credit bureaus and have the unauthorized inquire removed, to this date it has not been removed from my credit file.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

I received a letter on XX/XX/XXXX from my lender that my XX/XX/XXXX mortgage payment that was due XXXX XXXX, XXXX had not been received. The letter was dated XX/XX/XXXX. I received the letter 16 days later in the regular mail. The letter was mailed during the heavy holiday mail season. The 16 days spanned 4 weekend days, 2 holidays ( XXXX and XXXX XXXXXXXX XXXX XXXX, both Mondays ), and 10 business days. I received no phone call to alert me of the missing payment. 

I immediately went on my computer and paid the total amount due. I originally made the XXXX payment on my mobile app. I had been having problems with app crashes during the month, but the payment did look successful. I never realized the money was never transferred from my other account. On XX/XX/XXXX my phone was inoperable. It was evaluated at the XXXX XXXX XXXX on XX/XX/XXXX. Apparently, there had been a known bug that caused apps with notifications to fail that eventually disabled the phone. I did not know that my payment on the app failed until I received the letter from my lender. 

I provided proof to the payment research center from XXXX that there was an app failure. I complained that I had never been given the opportunity to address the missing payment because the letter was sent in the holiday mail and took 16 days for me to receive it. There was no effort on the lender 's part to contact me in a timely manner. I had no opportunity to correct the problem in time before the lender reported me to the credit bureaus. I worked so hard for so many years to get exceptional credit. My credit dropped 99 points as a result of the late payment.

I have gone through 2 escalations with my lender without resolution. The tech section noted app activity during when the payment was made, but can not confirm my sign in. They also said there was a " auto stop call '' placed on XX/XX/XXXX but could not explain it because I had never been late and thus I would not have been called then. They had no explanation for the 16 days their letter took to reach me. No provisions were in place for holiday mail. 

I have never been late in the ten years I have the loan. I pay the same way every month with the lender 's mobile app in good faith. If the technology failed, there should be a better mechanism in place to protect consumers. I do not believe that I was treated fairly as a consumer to receive a letter 16 days later that has destroyed my credit and will impact my life for 7 years.
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT DIVERSIFIED CONSULTANTS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANTS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX