davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is XXXX XXXX XXXX contacting you about multiple violations of my consumers rights done by you. 

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion, Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/ ( {$35.00} ) and XX/XX/ ( {$300.00} ) I used XXXX to add funds to my account. The funds were posted, verified and confirmed by my bank Bank Of America on XX/XX/. I used that account to pay bills that day. One of the bills I paid was my Capital One credit card bill. On XXXX XXXX XXXX  I saw that I had a negative account balance due to funds missing from my account. My Capital One credit card payment ( {$120.00} ) was returned I received a late fee of {$29.00} from Capital One. When I saw I had no money in that account and my payment was returned I immediately paid my bill through another bank I have an account with but unfortunately it proved to be too late I still got the late fee. I was so upset especially because I have never been late on payments. Id just gotten a credit increase and this made me look bad to the credit card company. The funds I sent to Bank of America through XXXX were added back into my account days later. I called Bank of America and asked them would they pay the late fee or any fees incurred due to their mistake but they said No they were not paying any fees due to their errors.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XX/XX/21. 2 Refunds issued to Bank of America for my account. Issue my account was closed. Bank will not help me. XXXX XXXX XXXX has asked that I get documentation from the bank on two transactions to show that Bank of America returned the funds to carnival. Bank of America wont even run the transaction numbers all I get is were sorry. For your issues you will have to deal with XXXX and all I get from XXXX is contact the bank. Im at wits end. And dont know where to go. I just need something from the bank that shows they returned the transactions. Please help
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

My original home loan started off with XXXX XXXX for a monthly payment of XXXX a month, but my loan was bought by Rushmore Loan Management service from XXXX XXXX and my notes have been going up every since then. Rushmore has been charging me for late fees when I am not late, charging me for escrow, and was charging me for home insurance when I already have a home insurance policy. Rushmore here recently made my banks checking account go into NSF because they decided to take out more then the required amount of funds for my note instead of XXXX dollars they tried to take out XXXX dollars which made me XXXX in the hole, now there saying the payment for XXXX was not received which I know it was because I have a email conformation. As for as charging me for home insurance they had to refund me back for that but I do not see where they did in my balance, I have email correspondence between Rushmore and myself for proof of this fraudulent behaver.
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MI)

XX/XX/2021 I called and made a payment on my delinquent account and set up auto pay for that same amount of {$79.00} to be charged on XX/XX/2021. I made a phone call when I noticed the auto deduct had not been taken from my account and was told it was approved and due to deduct {$79.00} from my bank account. Today XX/XX/XXXX my bank account shows {$350.00} deducted. They have repeatedly told me there is nothing that they can do other than send me a check for the difference in the next 7-15 business days. I told them I lost my job due to covid and was struggling and this is why my payment was approved for less than my minimum. Now both my checking and savings account are negative and Im hit with an additional {$30.00} overdraft fee on each account. I dont get paid for another 5 days and I was supposed to grocery shop today. I have to pay a babysitter so I can even make it to work. They said its not their fault and to call collections after being on the phone with 5-6 different people in the 2 hours of being on the phone and they are submitting a request for a supervisor to call me back. All in the meanwhile between my XX/XX/XXXX payment and auto pay set up, I have been emailed 3 times and have had calls and voicemails every single day regarding this debt. Anytime I pick up the phone and speak with someone trying to collect debts that are paid and on auto pay they look up the information and see that they have no reason to be calling, but yet I still get a phone call every single day.
Consumer complaint received 2021-09-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC (GA)

I XXXX XXXX, ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH BMW OF XXXX ON XX/XX/2021. A CONSUMER CREDIT TRANSACTION IN WHICH A FINANCE CHARGE WAS INVOLVED 15 USC 1601 DEFINES A FINANCE CHARGE AS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. THE FINANCE CHARGE DOES NOT INCLUDE CASH BUT BMW OF XXXX TOOK CASH. THE FINANCE CHARG ALSO IS SUPPOSE TO INCLUDE INSURANCE BUT BMW OF XXXX MADE ME PURCHASE INSURANCE SEPARATELY. BMW OF XXXX WILLFULLY AND KNOWINGLY FAILED TO PROVIDE/DISCLOSE INFORMATION REQUIRED UNDER THE PROVISIONS OF 15 USC 1601. 

THEY ARE NOW CIVILLY AND CRIMINALLY LIABLE
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (MN)

I was sent to collections by XXXX XXXX XXXX  for a bill that was paid by me the same day that I received it in the mail ( XX/XX/2021 ), I drove to their office and paid via a personal check the final total due of {$240.00}. 

On XX/XX/2021 I received a collection notice from CONSUMER COLLECTION MANAGEMENT for a total of {$340.00}. Not only did XXXX XXXX XXXX  send me to collections for a bill already paid, they added a previously paid bill for pro-rated rent which was {$90.00}, and they didn't included the interest on my {$400.00} deposit of {$8.00}. 

{$240.00} + {$90.00} + {$8.00} = {$340.00} ( which is what they sent me to collections for ) Attached are documents that prove this. 
* Final Bill - Show 's total owed ( {$240.00} ), and the previously mentioned money order being accepted ( {$90.00} ), and the interest ( {$8.00} ) on the deposit they took for " additional charges '' * Bank account statement that shows the purchase of said money order, as well as them depositing the check from me. 
* A photo of the money order made out to them.
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

To whom it may concern I reached out to all three of the reporting credit agencies and no one has been able to provide me with proof that this account belongs to me. I also reached out to the merchant, who also couldnt provide information the account belonging to me. Please find the attached letterhead, indicating that I have no account with the company reporting on my credit report. 

This account is 8 years old This is Hindering me from obtaining employment
Consumer complaint received 2021-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (SC)

I took out a loan with World Finance Corporation in XXXX, SC this past summer. The first payment was less than 30 days late. They never once tried to contact me through my personal number, but instead began to call my office numerous times a day over a course of a week. I had XXXX during the second billing period, so I was unable to go into the office to pay the bill. I was told to slide the money under their door. I payed a {$240.00} payment that day. They continued to call stating I never made the payment. Eventually, after speaking with corporate, they honored the payment. Just recently, I forgot to make my payment online that was due XXXX XXXX. Today, they called a family member of mine that was listed as a reference. I never received a phone call from them to my personal phone. Instead, they called a family member. They are using bullying and harassment tactics. I have always paid my amount due, and actually paid more than the minimum payment. They do not have permission to call my place of work or family members to bully me when I am less than 30 days late. This kind of practice should be illegal.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LDF Holdings, LLC (OH)

I began to get collection notices from XXXX starting on XX/XX/2021. I received another debt collection notice on XX/XX/XXXX, also by email and then yesterday, I received another collection notice in the mail - that is on XXXX. I have never taken a loan from XXXX. I have never contacted XXXX. I have no idea of what they say is the amount of the loan. I have never received any funds from XXXX.
Consumer complaint received 2021-09-29
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (CT)

I had student loan from 2010 when I was in college. The student loan is for XXXX XXXX in XXXX, FL. The loan was suppose to be for XXXX I paid XXXX of it. I owe XXXX left, I been gradually paying it over the years. but the impact of the remaining balance have left my credit score tremendously low. it was originally at XXXX but I got it down to XXXX on top of paying the other loan. Again its been open and I would like this resolve from my account. its XXXX XXXX service US Department of Education.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I assisted my sister-in-law with a gift of funds to refinance her home after my brother died. The lender sold the loan to PennyMac. Since the close of the loan in XX/XX/2021, I have received all the emails sent from PennyMac Loan Servicing referencing my sister-in-law 's name with loan and escrow information. I have called on 5 different occasions to get the correction made. Today 's call with XXXX, the rep that answered, is my last attempt at getting a simple correction made to information that was given incorrectly. When she didn't understand the explanation twice, I suggested she escalate the call. I was put on hold twice while she escalated, but never transferred to anyone that might have a better understanding of the issue, I hung up after a 17 minute call to nowhere. I attempted to provide her with my sister-in-law 's email and she indicated I have to have the borrower call to make the change. It is not a change. It is a correction and the borrower 's information should not be sent to someone not authorized to receive it. On two of the previous calls the reps took the information for the correct email, but obviously never made or submitted the change. I have attached the most recent email.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a checking account ONLINE yesterday with Citibank. Per my instructions, they've already taken money out of another account ( from a different bank ) to fund my new Citibank checking account. However, when I opened the new checking account, Citibank only furnished me with the last four ( 4 ) digits of my new Citibank checking account number. In order for me to register to have access to this new checking account, Citibank requires me to have the full account number ( not just the last four digits ). I've called Citibank on the telephone ( having to hold for up to 20 minutes before someone answers ) several times and Citibank will not give me the full account number. They just transferred me to different departments ( like credit cards ) that has nothing to do with my checking account. Citibank is the worst financial institution I've ever dealt with.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

First Progress has inaccurately reporting late payments on my credit file and these late payments are causing me undue hardship because they are inaccurate. I attempted to contact the company several times and they have an answering service with individuals from overseas who are extremely rude, lack knowledge of company policies or how to remove this inaccurate information off my account. This company continues to report late payments on my XXXX credit report to no avail illegally, I have never missed a payment with this company. I setup this account with my monies as a secured credit card but now because of their inaccurate reporting they are causing my credit report to suffer more damage then they are assisting me. I would like them to immediately cease and desist reporting this false information.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I submitted an application to Wells Fargo Home Mortgage to refinance my existing mortgage on XX/XX/XXXX. I was informed by the representative that I had to pay appraisal fee & if the application was disapproved I would be refunded the fee. I agreed and paid the fee. However, during the process I received the approval estimate for the agreed loan, however, the company disapproved the application during the final steps of the process because my deed was a life estate deed & they requested I reverse the deed. I attempted to change the deed however with the Covid outbreak the office was closed to the public & everything was being done by mail which would take longer. I informed the mortgage co. & they stated that I would lose the rate lock that would result in paying another fee to keep the rate lock. Therefore, they closed the application & I requested the refund of the fee, which was denied. I filed a complaint with the company & they responded on XX/XX/XXXX stating that the fee was to a third party & they had no evidence that the representative informed me that I could be refunded. I have full powers of the property in the life estate deed & the company informed me that I could remove it & then place it back in life estate deed once the refinance was completed, which did not make any sense to do and cause more fees.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

MY XXXX XXXX XXXX SON WAS BEFRIENDED BY UNKNOWN PERSON ON XXXX, WAS TOLD HE CAN MAKE MONEY BY CASHING A CHECK. HE RECEIVED A CHECK OF {$4500.00} AND WAS TOLD TO DO A MOBILE DEPOSIT AND THEN INSTRUCTED TO SEND MONEY OFF TO DIFFERENT PEOPLE THRU CITIBANK " XXXX '' OF {$1000.00}, {$1000.00}, AND {$500.00} AND WAS TOLD HE CAN ALSO KEEP A PORTION OF THE MONEY. HE DID THE MOBILE DEPOSIT AND THEN STARTED TO REALIZE SOMETHING WASNT RIGHT AND FEARED THIS WAS NOT A LEGIT SITUATION AND SOUNDED LIKE A SCAM AND TOLD THEM HE WASNT GOING TO SEND THE MONEY AS REQUESTED AND WAS GOING TO TELL THE BANK THAT IT WAS A SCAM AND WOULD NOT CONTINUE WITH SENDING OFF THE MONEY TO THE PEOPLE THRU XXXX AS THEY INSTRUCTED HIM TO. THEY THEN SENT HIM PICTURES OF A GUY ALL DRESSED UP WITH A XXXX AS A XXXX  AND CALLED HIMSELF AN XXXX AND HE WAS SENT TO XXXX MY SON IF HE DIDN'T DO AS THEY SAY. MULTIPLE VERY THREATENING MESSAGES. HE FEARED FOR HIS LIFE AND ENDED UP SENDING THE MONEY AS REQUESTED THRU XXXX. AFTER THAT HE CAME TO ME FREAKING OUT THAT AND I GOT INVOLVED AND CALLED THE BANK TO REPORT THE FRAUD AND DISPUTE THE CHARGES. THE MOBILE CHECK THAT WAS DEPOSITED APPEARED VERY FRAUDULENT THE 1ST SECOND I SAW IT WAS SUPER OBVIOUS. THE BANK 1ST OF ALL SHOULD HAVE NEVER ACCPETED THAT CHECK. THEY SHOULD HAVE REJECTED IT. THE BANK DID NOT HONOR OUR DISPUTE FOR THE 3 XXXX PAYMENTS AND I APPEALED THEIR DECISION AND THEY ONCE AGAIN RESPONDED THAT I AM RESPONSIBLE FOR THE CHARGES OF {$2500.00}. I FILED A POLICE REPORT - MY SON WAS THREATENED AND FEARED FOR HIS LIFE AND THE BANK IS NOT CONSIDERING THAT AND NOT TAKING RESPONSIBILITY THAT THEY SHOULD HAVE NEVER ACCEPTED THE DEPOSIT IN THE FIRST PLACE.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (NC)

This is my another endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Owed : {$2500.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX  Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX  BalanceOwed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00}.
Consumer complaint received 2021-09-29
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. (GA)

I filed a dispute with Experian on XX/XX/XXXX to update 3 collection accounts that were incorrectly showing balances. The debt was paid to the original creditor on XX/XX/XXXX. 

I contacted the collection agency on XX/XX/XXXX to find out why they were still reporting the balance to Experian as unpaid. I was informed that the accounts were reported to Experian as paid on XX/XX/XXXX and Experian never contacted them as part of the dispute investigation even though Experian updated the dispute as complete and reaffirmed the balance on my credit report. The 'last updated " date on the accounts show XX/XX/XXXX which is clearly after the dispute and after the balances were paid. 

The reported balance on each of the 3 accounts are as follows : {$480.00} {$500.00} {$1700.00} Experian never conducted an investigation as is my right under FCRA.