davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
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: The CMI Group, Inc. (FL)

This account is in someone else name a XXXX XXXX my name is XXXX XXXX I have never had XXXX account in my name my XXXX account is in my wifs name XXXX XXXX this is not my account
Consumer complaint received 2018-05-17
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: SYNCHRONY FINANCIAL (OH)

I have had my current XXXX XXXX XXXX Business Credit Card since XX/XX/XXXX. In the last couple of years I have been having increasing issues with the account being incorrectly put on a fraud hold not allowing me to use the card until I call their fraud protection team to remove it. Each time I spend about 15 minutes on the phone to have them go through a list of charges, which all are valid. In the last 6 months this issue has increased to an average of once every 2 weeks. I have not had an issue like this with any other business or personal credit card before. 

For documentation the most recent times I have had to call in was. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thanks. 
XXXX XXXX
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Back on XX/XX/XXXX I filed a complaint against XXXX XXXX for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or XXXX XXXX has provided any information. 
It has been well over the 30 days since XXXX XXXX could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, XXXX XXXX is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SECURITY FINANCE CORP (TN)

I dispute the loan being that I have no knowledge of this loan, the company here in XXXX TN closed down, the account is closed, and that this has been on my credit report for 7 years as of XXXX XXXX, XXXX. When I disputed the company I never received a letter or any form of communication explaining the debt.
Consumer complaint received 2017-10-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: DISCOVER BANK (MI)

For about the last 6 to 8 months Discover Bank/Discover XXXX XXXX  has been calling me stating that they own my mortgage ( They DO NOT) and if I do not pay their credit cards the XXXX that they claim that I own them they will take my home!  This is the second complaint I am making about them calling me all the tie with their lies< the did stop for one month!  Also they are still setting up fake accounts using my email one was for a porn site!
They have also taken over $XXXX from my other credit cards!
Consumer complaint received 2018-05-17
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: Experian Information Solutions Inc. (CA)

I have disputed the accuracy of XXXX XXXX account # XXXX and request validation that this account even belongs to me. I keep receiving the same responses back rom the bureaus, " We've verified that it's your account. '' However, I have requested proof that this debt belongs to me such as the original application with my signature on it, contract with my signature on it, but the bureaus have failed to accurately verify that this account belongs to, and still has not delete this unverifiable account.
Consumer complaint received 2018-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Portfolio Recovery, LLC (GA)

This company keeps pursuing me after I have proven to them they are looking for another XXXX XXXX. They are making threats and saying they will not stop reporting this on my credit file. I can not believe they actually told me, they have the edge on me since they could keep reporting this negative account on my credit file, and said they don't care if I am a Veteran, or a XXXX XXXX XXXX XXXX. They are calling from different numbers, private numbers, and cell phone numbers all time of the day and night. I am living on an edge ; especially, when the debt isn't mine.
Consumer complaint received 2017-10-13
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)

I submit a dispute to XXXX, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with XXXX customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue on my report.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian has been sent proper forms of identification several times and they are still reporting this information after I informed Experian of this inaccurate information. 
I have noticed personal information that should not be furnished on my Experian consumer report. 
I have given proper documents to verify my identity My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX all other addresses you list on my report are wrong. except for XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX they are in clear violation of these laws. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than sole allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), which they are in violation of 15 U.S. Code 1681n ( 1 ) ( a ) Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Initial check fraud on account ending in XXXX beginning on XXXXXX/XX/XXXX. A total of 15 checks came into the account on XX/XX/XXXX and XX/XX/XXXX. Two separate claims. All the fraud check item were retuned and funds given back to me. Good and Thank you. While waiting for the accrued interest to post so I could close the BofA account I made an XXXX XXXX payment but forgot to update the BofA account number. The account had been put on a no debit freeze, so I was told. The XXXX debit came into BofA and it was retuned as I expected once I realized my mistake. I can live with that. According to XXXX they retried the payment because they received the retuned ACH debit back with a return season of NSF. The account was frozen therefore the ACH should have been retuned as Account Frozen, this return code does exist and should have been used. Now XXXX is telling me I am not in good standing because of the NSF item. First, BofA makes the claim process difficult because BofA put it all back off on the account owner to keep calling back getting sent to department that don't even handle fraud. I spent least 15 hours on the phone this time and 40 hours two year ago when I had XXXX and ACH fraud on another BofA account. At the end of the day I am upset with BofA for using the NSF returned reason rather than account frozen.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I called Ditech for payoff information and was told to cancel automatic ACH and to mail my payoff amount. I did both. Unfortunately, they took my ACH ( they didn't cancel it ) and also took my payoff check. They also owed me more than {$6500.00} in escrow. When I called Ditech the first time to inquire about my refund, they said they would refund my money in 20 days. It's been six weeks and I've called multiple times and each time they have a new excuse for not refunding my money -- from the check is in the mail, to there was a printing error. It's never the same excuse. It's been well over the amount of time they said they would refund the check and, as the amounts total more than {$10000.00}, I am anxious to get the money and am worried they will refuse to pay it back.
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

1. On Friday, XX/XX/XXXX I used my Bank of America credit card to make a payment to XXXX XXXX Programs ( merchant ) in the amount of {$1200.00}. 
2. I am charged daily interest on this card for any purchases made over the amount of balance transfer. However, my agreement with Bank of America states that if I make a payment it will first be applied to any purchases that exist over my balance transfer amount. 
3. On Monday, XX/XX/XXXX I received a receipt/confirmation from the merchant XXXX XXXX XXXX that my credit card payment was complete. 
4. On Tuesday, XX/XX/XXXX I made a payment to my Bank of America card in the amount of {$1300.00}. 
5. Bank of America has a transaction date for the XXXX XXXX XXXX charge of XX/XX/XXXX,  however has a posting date for this transaction of XX/XX/XXXX, and therefore did not apply my {$1300.00} payment to the new purchase/transaction of {$1200.00}. The {$1300.00} payment was made after the transaction date of XX/XX/XXXX and therefore should have applied however wasn't. I am concerned that Bank of America has inappropriately ordered the transaction vs. posting vs. payment to cause me to have to pay a daily interest charge on the {$1200.00}.
Consumer complaint received 2018-05-18
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. (NJ)

A medical collection was added to my account. I never received a bill in regards to this. Also this violates HIPA. I contacted the collection agency and they stated that this would be removed and credit bureaus have failed to remove this.
Consumer complaint received 2017-11-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

In its response, dated XXXX/XXXX/XXXX, Experian admitted that it failed to adhere to an FCRA requirement. The complaint, specifically XXXX, addressed multiple expired inquires which were allowed to remain on the credit report specified beyond the FCRA allowable time frame. Experian response is listed below : Upon further research, and in accordance with the FCRA, we are in the process of removing the two XXXX XXXX inquiries from your credit report, due to the retention time associated with the inquiries. 

Experian 's acknowledgement that it facilitated and allowed the furnishing and 'reporting ' of 'old ' information until its removal was requested by the complainant is unacceptable. Additionally, XXXX allowance of old information is an FCRA violation. Such allowance is a willful violation of XXXX obligations under the FCRA, and as such, damages are requested.
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

On Wednesday, XX/XX/XXXX, at XXXX XXXX I attempted to withdraw {$250.00}. None of my usual tellers were available and I was beckoned to go to a teller sitting at the far right. I did my transaction and left the Ace check cashing store with the money still in hand, after which, I handed the money to my father and as he counted it he said there was {$40.00} missing. I counted the money, now for the first time, and found he was correct. I went back inside Ace and informed the teller that I was missing {$40.00} from my withdrawal. The teller told me that she counted her draw and it was only XXXX cents over. I went back outside without the missing money and my father took the money and went into the store. The workers there told him they counted the draw. My father asked a few times was there nothing that could be done because he watched me leave the store and directly was handed the money received. Finally, they said they called the supervisor who reportedly said there was nothing they could do. When my father got home he called the main telephone number for Ace and was told that the district manager would look into the problem and if not, a vice president would handle the situation. Many calls later no one has called my father and I will list some of the reference numbers given when Ace was called. The fact that the teller who handled the transaction said she counted the money out twice can only mean she stole the money and the lack of response from Ace makes me feel there is a conspiracy to commit fraud along with the theft. I have never had a problem with this transaction in the past. I even had a customer in the parking lot who, when hearing my disgust with the situation, tells me that he won't go to that teller even if he has to wait. 
Some reference numbers for calls : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX. Ace Cash Express, # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. Ace customer Service XXXX XXXX. Cash disbursed to me was {$210.00}. I only wonder how many times this has happened to others.
Consumer complaint received 2018-05-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I recently reviewed my credit report with XXXX in XX/XX/XXXX and just noticed that the student loan I co-signed for someone back in XXXX is being reported as a joint account on my file. I disputed it as it should show on my report that I am a co-signer not as a joint account. When I checked the investigation results last night, it says it was verified as reported. This is the only student loan that I have on my file, which I co-signed for my niece. 

I contacted Navient earlier today who acquired the loan. The original creditor of the loan is XXXX XXXX XXXX. When I spoke with XXXX from Navient 's Private Loan Dept., at the beginning of the call she identified me as the " co-signer '' for XXXX XXXX, the student and primary borrower on the loan. I again asked XXXX to confirm if their record shows me as a co-signer, and she said yes. After I explained to her the situation regarding my credit bureau dispute, she then indicated that they consider a co-signer the same as joint loan holder. She asked me if I know the difference between the two and when I explained it to her, she agreed but still indicated that Navient considers me as a joint loan holder. I reminded her that at the beginning of the call, she confirmed twice that I am showing on their record as a co-signer. That did not seem to matter. I asked XXXX how I became a joint loan holder when the original loan from XXXX showed me as a co-signer. She could not really explain that to me.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX, my 3 student loans ( parent portion ) were paid in full by XXXX and XXXX XXXX. After that, I was on a 3 year post monitoring status. For the 3rd year, XXXX sent my letter to the wrong address after 2 correct years that caused the loans to report as reinstated on XX/XX/XXXX. On XX/XX/XXXX after becoming aware of the error, I contacted XXXX, gave them the final letter and was told the loans were paid in full and my 3 year post monitoring period was satisfied. Unfortunately, it took them over 5 months to finally get the balances to XX/XX/XXXX. Along with the XX/XX/XXXXbalance, a remark was added to all 3 loans that reads " Deferred, payments begin XX/XX/XXXX which is totally incorrect. I have disputed the errors with all 3 major bureaus several times, but they told that they can only report what the lender tells them to. I have suffered a 70+ point drop in score and have been denied several loans because of the erroneous $ 80- $ 100k dollars of debt. I will upload the corresponding paperwork and add it to this request. However I can not do so until I close this site.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Chime Financial Inc (NY)

I am writing this complaint regarding dispute number : XXXX for {$440.00} made on XX/XX/2023 ; the ATM did not dispense any cash when I tried to withdraw funds. I called on XX/XX/XXXX to file a dispute regarding the issue. I was given a timeframe of 45 calendar days, however, the dispute was closed on XX/XX/XXXX! I called Chime immediately to discuss the reason why my claim was closed so quickly without a thorough investigation- and the representative couldn't provide me with anything namely as to how this decision was reached. He told me was going to be sending the " documentation via email that the disputes team used to reach their decision within 10 business days ... '' I asked him why would it take 10 business days to send me documentation? And he said because they have to " verify the accuracy of the documents before sending them to me. '' That literally contradicts what he initially said - you don't need 10 business days to verify anything if that was already done ( or should've been done ) to adequately investigate my claim. So, the disputes team literally closed my claim within 24 hours ( by the way I've been using banks for years, I have never had an ATM withdrawal claim closed in 24 hours, it takes weeks to investigate this stuff ). I am positive my claim was denied merely because Chime didn't want to pay it! By law, they are responsible for protecting my account and refunding money that was debited if an ATM malfunctions, for fraudulent transactions, ect.
Consumer complaint received 2023-03-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A. (MD)

Car was sold in XXXX to XXXX. 

I no longer had the car in my possession XXXX  had the title and I signed the car over to them. It was no longer my responsibility for that car. 

Long story short Ive gotten two late remarks on my profile for XXXX and XXXX. When I no longer had the car at all. Ive told PNC Bank the issue and they said it was a error on their end. So I asked them what I should do they told me to send a letter to head quarters. Ive done that numerous times and never got a response. So now Im here sending a complaint because they refuse to fix the issue and its very stressful.