davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (OH)

US Bank fails to give their customers to opportunity to make their accounts whole in a reasonable timeframe. When the customer does attempt to do so, you are punished and bombarded with fees. Because of my work schedule, I do n't have the luxury of going to branch at a moment 's notice. 

Now this happened after another issue that was a BANK ERROR. I attempted to use my card about a two months ago now, but it was declined. When I called US Bank, they told me they closed the card because I should have a new card by now. I was told they would order one for me and expedite it, but I needed to go to the branch. I used the last bit of time off and went to the branch where I ordered the new card o be rushed to the branch. About a month ago I called because I still only had my temporary ATM card and no new card. I was advised it was ordered and would be at the branch shortly ( you can pull that call ). Almost a week and a half later, it showed up at my house. 

Meanwhile, what US Bank failed to tell us is that we can not make deposits with a temporary card. I understand why, but how am I suppose to make my account whole if an unexpected expense is debited? The answer is " I CA N'T ''. So I was hit with fees because US Bank failed provide me with correct information. If you pull the calls, I was advised that I am essentially powerless in that situation and the bank may return the fees as a courtesy. In this instance they did. 


There was a gas transaction that, to my surprise, was debited out of my account on XX/XX/XXXX. Unfortunately that single transaction forced my account in the red by - {$33.00}. After work on XX/XX/XXXX, I have the receipts from the ATM to show, I deposited cash into my account. Again, all on the same day I was notified by US Bank that I had fees. As I deposited first {$180.00}, my receipt had a much lower available balance. I checked my account and I was hit with THREE FEES totalling over {$100.00}. ARE YOU KIDDING ME? One transaction should not warrant three fees. If I deposit cash into my account the same day it goes negative, there should be no fees to process as I did my due diligence to make it whole within a reasonable time. US BANK does not give its customers this. They do not care what financial situation there customers are in because greed, NOT SERVICE, is their first priority. 

You fail your customers and you failed me. I made my account whole the SAME DAY it went negative and despite my cash deposit being put into the account the SAME DAY, US Bank rather charge fees so they can put extra money in their pocket. I feel like I am being treated unfairly and US BANK, rather then help their customers, slams the door on our faces.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XX/XX/2019 : I reached out to Quicken Loans to discuss a possible mortgage loan. I explained the full extent of my situation to the mortgage broker. She stated that she felt like she would be able to provide the loan I was wanting so I agreed to have her pull my credit report. once she did she immediately started talking to me about the " other loan options '' they offered. I asked why she was telling me about those because that's not what I wanted. She let me know that even though my credit score put me as " top tier '' that the fees they would charge would exceed what the state of Texas would allow. I let her know that she had just wasted my time because she should have been aware of that before pulling my credit. I believe that this was done intentionally in order to convert me to a different product offering. This is an unscrupulous business practice akin to a " bait-and-switch ''
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-05
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: JPMORGAN CHASE & CO. (NC)

There is an old fraud account from chase on my credit report being reported as a charge off. XXXX refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but XXXX refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but XXXX has not sent me any information pertaining to that, but yet after a recent dispute XXXX reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.
Consumer complaint received 2024-02-19
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. (PA)

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's explicitly stated that consumer reporting agencies, like XXXX, Transunion, and XXXX, must conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I'm asserting my rights supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, categorized as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution and the consumer reporting agencies, XXXX, Transunion, and XXXX, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, Transunion, and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, Transunion, and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (NC)

Ally lending falsely released funds to XXXX XXXX XXXX for unfinished/and substandard work. XXXX XXXX XXXX was hired on XX/XX/2021 to replace the plumbing throughout my home. XXXX XXXX ( representative for XXXX XXXX XXXX ) informed me that funds from the loan would not be released until XXXX XXXXXXXX XXXX completed the work. I was told by XXXX XXXX that the job would be complete in approximately a day and a half. On XX/XX/2021 the water was shut off and all of the plumbing was removed from my home. Garbage was thrown on my lawn were it remained for a month. The work remains incomplete. Ally lending release the funds to XXXX XXXX XXXX on XX/XX/2021. Ally lending have been made aware of the situation but have continued to pursue me to pay this dishonorable debt.
Consumer complaint received 2017-10-05
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. (NC)

There is an old fraud account from XXXX on my credit report being reported as a charge off. Experian refuses to remove the account even though it is inaccurate and I have supporting documentation. The account in question is part of a fraud case and to resolve the case chase and I agreed to settled. The account was should have been removed but Experian refuses keeps saying validated. I asked for information as to who or whom they validated and information they submitted but Experian has not sent me any information pertaining to that, but yet after a recent dispute Experian reopens the closed account and re-ages its. I have supporting document to show account was closed and paid.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (ID)

On XXXX XXXX, XXXX I spoke with a XXXX customer service rep as to why my report had not been updated with Equifax since XXXX for XXXX 's reporting. She double checked with their reporting department and said that they did submit the reporting to the credit bureaus already in XXXX ( but did not have a specific date to tell me when and was unwilling to go ask that department any further questions ) and said I had to contact the credit bureaus directly to find out why they have not been updated. XXXX XXXX, XXXX I spoke to an Equifax phone rep with the employee ID : XXXX who clearly told me multiple times that XXXX has not in fact submitted any update in XXXX or XXXX yet to report for XXXX. XXXX is being willfully non-compliant and completely unhelpful to resolve this issue as I take the accurate reporting of my credit seriously and require it to be kept up to date as the laws require.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Worldwide Processing Group, LLC (FL)

Receiving nonstop calls to my work and it is a recording stating its XXXX does not identify who they are or what they want. Recording states they are trying to obtain my location and whereabouts and if they are unable to locate me the law allows them to contact all references etc. Phone calls are not allowed to my place of employment, calls are recorded and they continue to call. Never identify who they are or what they want. I have no correspondence from anyone nor do I have collection action or anything of that nature on my credit file. They are calling from XXXX and XXXX
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a BOA credit card account ending XXXX that have been closed and the bank is threatening to charge off the balance, although I consider this account is paid off. I started an auto pay schedule in XXXX XXXX for $ XXXX to be processed on the due date which is the XXXX of the each month, I expected the balance of {$2400.00} to be paid in less than 3 years according to the disclosure indicated on the statement then. The bank had attempted on numerous occasions to withdraw the money from my checking act before the due date resulting in overdraft fees, insufficient fund fees accumulation. I have an auto deposit into my checking act that occur on the XXXX of each month that should cover the payment, however the bank had intentionally processed the payment on the XXXX or XXXX of the previous month. After 4 years of making payments on this credit card totaling more than {$4800.00} at an interest of 9 %, I contacted the bank on numerous occasions trying to understand how did this happen? I had no success in reaching any solution and the bank gave me an ultimatum by XXXX/XXXX/XXXX to continue making payments. I stopped making payments on XXXX XXXX and tried to resolve this issue with the bank but no avail.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (KS)

Dispute # XXXX was initiated on XX/XX/24 re : a transaction made at XXXX XXXX XXXX for {$300.00}. The service/solution provided by XXXX XXXX, an accounting software, was not the product that was advertised on the XXXX XXXX website. An attempt to contact XXXX XXXX was unsuccessful as I was told they have a no refund policy on software ( even though they falsely advertised their this software ). 
A dispute was made with DISCOVER ( the card used for the XXXX XXXX transaction ) and initially tentatively " ruled '' in my favor. Apparently, and randomly checking the Discover website, the " ruling '' was reversed on XX/XX/24 ( no documentation found in secure inbox on Discover website or in the mail. XXXX, not even an email that the " ruling '' has changed. ) An affidavit was signed and provided to DISCOVER among other screenshots showing the product they advertised was just XXXX XXXX XXXX XXXX being it does not do automated reconciliation built in with the fee paid above.
Consumer complaint received 2021-09-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I've been writing the credit bureaus since XXXX of XXXX and nothing has been done about these inaccurate inconsistent accounts. Why will they not follow the law? I am a consumer and should be protected from these monsters.
Consumer complaint received 2017-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX( 2x ) ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXXbut when the mortgage lenders tried to get my credit report nothing would show up. I have called equifax, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (LA)

The bank rearranged the orders of the credits and debits. This tends to make it seem like you have more money than you do. sometimes it makes it less money. On the XX/XX/XXXX I didnt have over {$1000.00}. I didnt have that in the 3 days prior either. On that money when I de tied the {$400.00}. I should have only had {$400.00} left.
Consumer complaint received 2017-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing with Trans Union regarding inaccurate remarks & also that I was a victim of Idenity Theft. My credit report shows the following do not belong to me : XXXX XXXX XXXX XXXX, & XXXX. 

Federal law requires that Trans Union provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following Inquires deleted : XXXX  XXXX dated XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IA)

My previous complaint number is : XXXX A Navient Representative called me and was very pleasant. However, the name and number of the representative is not in my daytimer as I was driving when she called. My request was quite simple : Send me paperwork to begin my repayments. This has not been done. Instead what I received via email [ which I DO NOT WANT ] is a generic email entitle " What We Talked About Today '' but does not really delineate the actual conversation. Subsequent to that I receive another generic letter stating that I could go online and download paperwork for loan repayments or I could call a voice automated system and request paperwork. Voice automated systems do not understand my voice. What I want is very simple : A. If Navient needs to call me DO NOT CALL BETWEEN XXXX AND XXXX CST. Again, DO NOT CALL BETWEEN XXXX AND XXXX CST -- what is so difficult to understand about this request? B. Send me paperwork to fill out to begin repayment? Why can this not occur?
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (PA)

Exeter finance is reporting inaccuracy on my credit report. I called this company for them to tell me my account was still open in which it was closed and charged off in XXXX. Exeter finance called me to pay XXXX XXXX and they will write off the rest they did not send a pay to delete letter but want me to sign off on paperwork. They posted the account was late after they charged off. This account is in violation of 15 usc 1692g and 15 usc 1681. A charged off account should not be updated once it is charged off. Exeter finance have charged off this account since XXXX  reporting every month
Consumer complaint received 2021-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

I paid down my HELOC and obtained a payoff letter good through XX/XX/21. While in possession of the payoff letter I noticed that some payoff letter fees and an annual fee were charged. The payoff letter fees were waived and the CSR indicated that the annual fee would be waived if I signed the payoff and close letter and returned it by XX/XX/21. Therefore, I signed the payoff and close letter and emailed the executed copy to XXXX, as I was instructed to do so in the letter. On XX/XX/21, I called to confirm that the letter was received and the mortgage was in the process of being discharged ; however, the CSR advised that there was no record of receiving that letter and that the annual fee is still outstanding. On XX/XX/21, at the CSR 's direction, I forwarded the executed payoff letter to XXXX and XXXX. I would like for my loan to be discharged and any outstanding fees to be waived as promised.
Consumer complaint received 2017-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Back in XXXX I sent letters to all XXXX credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of XXXX showing on my credit report ( that does not belong to me ) or to remove within XXXX days. I received notifications and updated credit reports from all XXXX bureaus showing they had deleted the account in the amount of XXXX} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all XXXX of my credit report 's but this time it 's with a XXXX XXXX agency called XXXX XXXX I never received any notification XXXX days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of XXXX from all XXXX bureaus XXXX, Transunion and XXXX as they are violating the law by not notifying me within XXXX  days.
Consumer complaint received 2017-10-05
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: EQUIFAX, INC. (TX)

I 'm showing inquiries on my report that I did not authorize & I have disputed with Equifax who refuses to remove .I have expain to Equifax that I was a victim of fraud.Equifax should understand as they are battling this issues as of today.Federal law requires that Equifax provide mechanisms to ensure that each item on my report actually belongs to me. Please have the following items deleted Equifax Mortgage dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.