davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (WA)

XXXX, XXXX of 2016, I was late for the Target Red card credit card payment because I was overseas. When I called Target Red card service rep, they helped me with the payment, and I paid off the balance in full. To avoid further late payment ( I do n't really use this card that often ), I requested for autopay so that I do n't have to worry about being late again. Target on the phone said they would set it up for me. I appreciate her help and thought that I had autopay In XXXX I spent {$32.00} at Target and I did n't read the statement when it came. It was n't a big purchase so I disregarded the statement. I also know in the back of my mind that I had autopay and that it will automatically deduct and pay back. 2 months went by until I was in store and my purchase was declined. It was then that I found out I was deliquent by 2 months I immediately paid, but I was too late and Target reported my deliquency to the credit bearu. This is the first time I was late for any payment. I had XXXX payments lifetime payments and XXXX payments were on time.
Consumer complaint received 2022-02-10
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

I have XXXX items on my Equifax credit report they will not remove, I have disputed all XXXX by calling and sending them a letter. They still refuse to remove these items from my credit report. They have only posted comments, ( Consumer disputes this account information ), but when I apply for credit I am denied because of these items on my credit report. 

The XXXX item I did file a bankruptcy back in 2006. The law says after 7 years of the date of filing a chapter XXXX bankruptcy it is to be remove from a credit report. As you see Equipfax still has this bankruptcy on my credit report 9 years later. 
Filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual 's credit report for up to 7 years for Chapter XXXX ( up to 10 years for Chapter XXXX )
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

On XX/XX/2016 I filed a dispute regarding a hard hit inquiry on my Equifax credit report. The hard hit inquiry was conducted by XXXX. I never received an answer or result of the investigation by Equifax and therefor Equifax is in violation of the Fair Reporting Act. Equifax actions is resulting in a negative impact on my credit worthiness and credit score. CFPB Case # XXXX
Consumer complaint received 2016-01-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Logged into bankofamerica.com, Clicked on account. Shows XXXX overdraft fees when the below transactions does not show any overdraft charges. Called BofA customer service, I stated that there is an online order that has not been charged but shows " processing '' but does not show " posted '' on account and does not reflect the amount on hold or that is has been pulled out of my account on the " available balance ''. CS rep stated that I need to click on " account balance history '' and that it reflects the hold there, also, showing another account balance amount that does n't not match the account summary page. ( First time I 've been told to click on another link to get the " real '' available balance '' ) In " account balance history '', shows that it is still " processing '' but it has been deducted from my " available balance history ''. How are there XXXX available balances? If BofA is going by " available balance history '' why not show it along the statement page? The " account balance history '' shows the " statement balance ''. If my account was overdrawn, how come BofA did not decline the charges that were made afterwards? This is unfair and very deceptive.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I filed bankruptcy in XXXX XXXX. My credit report states and have stated it would come off XXXX XXXX. I have disputed this action with equivalent and they states that it can stay on my report for up to ten years. I ask what factors that in or what or who decides that it has to stay on my report " UP '' to ten years. It has been to my knowledge and when I filed by my lawyer at the time it could be from XXXX 10 years. As I stated my report says 7 years by the date, it does n't state ten years. I can not get no straight answer from Equifax on why and who decides that it must stay on my report up to ten years. They say the are going by the fair credit reporting act but when I call to ask the same question to frca, the agent as well could not answer why or who determines that it stays on credit report for up to ten years. I requesting it to be removed because by the suggestion of my lawyer saying I did n't need to go through with it, since my situation worked out. So I just been waiting out my years for it to fall off
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (WA)

I spoke with XXXX at Equifax of the XXXX team ( supervisor ). 

Investigate was submitted on XXXX XXXX for XXXX XXXX XXXX. Equifax claims it was completed on XXXX XXXX, 2016 however when I checked online the investigation still states case is still under investigation online. This is past the 30 day mark and the Creditor should be remove from my credit file.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I purchased a two Vanilla Gift Cards {$500.00} ( issued by XXXX and serviced by InComm ) on XXXX ( see attached " receipt1.pdf '' ). When removing the packaging for one, the terms and conditions booklet had been superglued to the card ( see " glue.jpg '' ), while the standard packaging has a movable goo. This is a clear indication that the card had been tampered with. I immediately registered the card online and set a custom pin. The next day, I tried to make a purchase with the card and it was declined after autodrained XXXX cent ( see attached " receipt2.pdf '' ). I paid the balance with another card and returned home to check what had happened. The online portal showed that a charge for {$490.00} was made the previous evening. It was listed as the having been at the same store that I had just make the purchase at, which is impossible because the gift card was in home in a locked drawer and I was present at all times. 

I returned to the store who said I had to file a dispute with the issuer. They made me wait 7 business days before filing the dispute in case the fraudulent charge " dropped off ''. When it didn't, I filed a dispute on XX/XX/XXXX  ( see attached " dispute.pdf '' ). After the full 90 days, I received a response denying my claim ( see attached " dispute_response.pdf '' ). Crucially, they claim that the card was physically present in the store when the fraudulent transaction occurred ( i.e. the XXXX charge ) but provided zero evidence. The card was not physically present when the fraudulent charge occurred -- it was in my possession at home for a short period between when I registered the card and when to the store the next day. It was only physically present in the store when the card was declined ( only XXXX cent was charged as that was the balance on the card ). 

I replied to InComm asking them to provide evidence to support their claim that the card was physically present in the store when the fraudulent charge was made ( see attached " dispute_reply.pdf '' ) They have not responded. It was now been ~3 months since I called InComm to report the fraud and I have still not received an adequate resolution. I did everything right : I immediately reported the issue to InComm and have called many times to ask for updates. After the full 90 days, InComm denied my claim without providing any evidence. I have been out of pocket for {$500.00} for over 3 months and have had to invest many hours of time trying to get access to my funds. This is very intentional behavior designed to make me ( and other customers ) give up and cut their losses.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

I made a payment for XXXX house on XX/XX/XXXX for XXXX by ph done right. Decided to go online on select portfolio servicing website I marked boxes to pay XXXX XXXX escrow which found out has been applied but then I also marked box to pay late fees XXXX XX/XX/XXXX they have not applied my money to late fees at all said I'm not due till XX/XX/XXXX but I'm due XX/XX/XXXX ai have called multiple times only be told short handed and being worked with their cash payment I called 4 times I believe and also spoke with a supervisor and nothing has been done have been keep calling back they have admitted that was correct on my end what I did but their end applied it wrong I can't get them to apply my payment exact amt to the late fees I have told them I want amt I paid applied correctly please help been almost a month they keep saying in the works have call back which I have
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-03-22
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. (NY)

XXXX, XXXX, and Experian have been and are in constant violation of the United States Codes that cover " Accuracy and Fairness of Credit Reporting. '' For my current and open account XXXX XXXX Account, Experian has violated my right to privacy, reporting my private information regarding my open accounts payments. This is not a closed account. Yet According to 15 U.S. Code 1681 it states " 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I do not consent in any way for my private status of my open and current account ( s ) under this account to be reported to Experian, XXXX, or XXXX Credit Bureaus. According to this United States Code, my right to privacy has been and is continuously being violated, with reporting my late payments in my credit report, which have not only affected my ability to qualify for proper mortgage loans while serving in XXXX XXXX military status currently, but being able to properly qualifying for appropriate car loans, with a fair reporting credit score due to deficiencies reported like such. 

As for the XXXX XXXX XXXX account listed as a closed account on my XXXX Credit Report, XXXX Credit Report, and my Experian Credit Report, I am demanding that this account be removed from all credit bureaus including but not limited to XXXX, Experian, and XXXX, as it violates my right to privacy posting late payments within this account, and also posts the account as a charge off. A charged off account, can not be considered a " late payment. ''
Consumer complaint received 2020-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc (VA)

received this united consumers inc in the mail today, never received any medical treatment at XXXX emergency physic, and dont why im being billed and or this collection company is mailing me this debt bill. 

I am XXXX percent totally permanent XXXX veteran that all medical bills and services at XXXX XXXX XXXX outside of VA Hospital has been approved by the VA sent to Veterans Administration. XXXX XXXX XXXX knows

to send all medi cal bills to Veterans Administration. please investigate
Consumer complaint received 2023-03-22
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. (MI)

XXXX XXXX XXXX XXXX has reported a {$150.00} medical debt that I have told the creditor is invalid as it was billed under the same code on the same day by the same doctor so insurance will not cover that submission. I did pay the doctor office for the procedure and the code. I was not paying twice for one procedure. The creditor and doctor said they don't need to fix it. I am submitting insurance documentation.
Consumer complaint received 2016-07-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

The interest rates are ridiculous. I 've asked for financial help multiple times and they offer nothing. Private loans are the worst! I can not repay the amounts when the interest is ridiculously high. Highly irritated with the bondage of private loans.
Consumer complaint received 2015-03-30
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Opened account in XXXX 2013 with Santander Bank in XXXX, MA. Was told that all my accounts were overdraft protected. I was never notified about any changes and have been charged for account " maintenance '' and overdrawn accounts, even though the telephone customer service did n't help. I went to a local bank in XXXX XXXX and met with a bank representative who told me he would contact the XXXX office. After a week or so I had n't heard anything, so I emailed said banker who wanted me to call him. I told him I would rather email and I have n't heard from him since
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Crown Mortgage Co. (IL)

What happened is that I submitted a loan modification to my lender Crown Mortgage Company my account # is XXXX there phone number XXXX back on XXXX/XXXX/2015 I provided all the documents necessary that Crown asked for a proper review. Last document that the lender asked for was a water bill that I faxed over on XXXX/XXXX/2015 for them to have a complete package to submit to underwriting to review. I then receive a denial letter on XXXX/XXXX/2015 that was dated XXXX/XXXX/2015. From what I was told from numerous attorneys is that when the lender has your file complete it takes a minimum of a week to properly review a file check with FHA guidelines escrow analysis and what not. There was no way that Crown could decision my loan modification in 1 day. Crown said that the loan modification was rendered unaffordable do to my finances which as they have calculated is a lot less then what I submitted to Crown mortgage.
Consumer complaint received 2015-05-15
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MN)

Infiniti / Nissan finance offers a lease transfer. A fee of {$250.00} is paid to transfer the lease and ensure the credit worthiness of the new leasee. However, if the lease is transferred, Nissan / Infiniti will still report the outstanding lease amount to credit bureaus in the name of the original leasee. This does not appear to align with Regulation M and the Fair Credit Reporting Act.
Consumer complaint received 2016-11-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

exact same story as another consumer so I will use his words with my specifics : I enrolled in an HSA account with B OF A with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee ( {$25.00} ) to do so and have slowly been bleeding the account dry by applying monthly service charges ( {$5.00} ) on it.
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

At the end of last year I discontinued my XXXX service after nearly 20 years. The customer service rep I spoke with indicated I would be billed for the partial month of service in the amount of approximately {$35.00}. During that conversation the customer service rep mentioned I was also liable for a two-year " contract '' that included a {$150.00} fee, and that my final bill was {$180.00}. I asked to see this " contract '' I had allegedly signed and was told the contract automatically kicked in when I upgraded my service package a year earlier. I spent nearly XXXX minutes on the phone ( much of it on hold ) while I objected to this early terminate fee. Eventually the customer service rep conceded I did not owe the fee, and that I would be receiving a final bill for the {$35.00}. However, when the bill arrived it included the {$150.00} early termination fee. I again called XXXX XXXX and this time the customer service rep was very short with me, and insisted the {$150.00} fee was valid. I explained that XXXX weeks earlier I was assured the fee would not be applied to my final bill. The rep refused to budge, and informed me that if I failed to pay the additional {$150.00} XXXX XXXX would submit to remaining fee to a bill collection agency. They told me not to bother sending a check for {$35.00} because it was insufficient to close my account. Two weeks ago a firm called XXXX started calling my home phone number XXXX-XXXX times per day, at all hours, leaving messages that the purpose of their call was an attempt to collect a debt and any information I provided would be used for that purpose. I have not answered any of these calls, and they have sent invoices in the amount of {$180.00} so I am assuming that this is related to XXXX as I do not have any other outstanding debts, and am concerned this will impact my otherwise unblemished credit rating.
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (WI)

XXXX XXXX XXXX XXXX XXXX XXXX, WI failed to Bill Medicare within the 1 year limit for services. They have turned the account over to Transworld Systems Inc. for collection despite my providing proof from Medicare that this was an error their part.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX Closed. {$22000.00} written off. Is reporting the vehicle to my credit report although they were sent notice that I do not recall having the vehicle. I ask for validation of the debt with proof the debt belongs to me with a contract bearing my signature. They refused to send any validation or proof. They were also provided an ftc report in which they refused to abide by. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of this account is violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : They were sent a debt validation letter in which they have yet to provide proof this debt belongs to me XXXX XXXX. 

Furthermore, the account is a charge off, but it is being reported inaccurately.
Consumer complaint received 2021-11-05
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TN)

I have disputed this inaccurate information to Santander consumer USA. With all three bureaus XXXX, XXXX and XXXX. I have added an attachments from all three bureaus showing different information on my credit reports. Santander consumer USA have inaccurate updated information with the Date being reaging the account to ( XX/XX/2021 ) this account is over 10 years old.