davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

I am writing to file a formal complaint against Discover concerning unresolved duplicate charges on my account and inadequate customer service in addressing this issue. 

Description of the Issue : On XX/XX/2023, my account was erroneously charged twice for the same statement. This error has not only led to a negative balance in my debit account but also resulted in an overdraft fee. 

Impact on Me : This issue has caused significant financial distress and inconvenience, such as being unable to pay my rent. It's imperative that this situation be rectified promptly to avoid further financial damage and potential harm to my credit standing. 

Actions Taken for Resolution : I contacted Discover and submitted a refund request form on XX/XX/XXXX and XX/XX/2023. However, there has been no resolution or meaningful update regarding my case. Attempts to seek assistance from their representative, were unhelpful as I was directed to call customer service without receiving any substantial aid.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc. (AZ)

My mother in law had an apartment that I cosigned on at the XXXX. We reached out to the company who managed the apartments through a tenant advocacy group to try and rectify grievances that we had with the apartment, mainly an infestation of roaches that came through the vents. We didnt get the help we needed from the apartment, so we broke the lease as was our right. The apartment complex claimed we owed money to them, and we argued the conditions were not safe and they neglected their duties to fix issues in the apartment. This happened in XXXX, we had not heard back from the apartment, or anyone about this matter so we had assumed it was resolved. XX/XX/XXXX, I received a phone call at work from a debt collection company called us collections west, they informed me that there was a debt placed by the XXXX. I informed the person that I did not want them calling me at work, the person said she could still call my boss. I found out later that my mother in law had talked to them before they called me and informed them, they were not to call me at work. I spoke to her manager 2 weeks later about this issue, and I was told it was put on a disputed status no further action would be taken at that time. I asked for validation of debt at that time and didnt receive it. In XXXX I spoke to them again and informed them I still had not received the validation of debt and was told they hadnt received it back in the mail, so it was out of their hands. Im now getting a letter from a lawyers office claiming a different amount was owed, but they didnt send a breakdown of how that amount was settled on. As of this complaint I still havent received a single piece of mail concerning my validation of debt, and theyve already put this on my credit.
Consumer complaint received 2019-10-08
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. (DE)

I found out I was a victim of identity theft in XXXX of 2012,. I have been fighting and fighting accounts that were on my credit file that does not belong to me and was unauthorized by me for that many years. The Police Department, the Federal Trade Commission, my Attorneys at XXXX XXXX XXXX, the three Credit Bureau Agencies and the Credit Rights Organization were all officially notified. XXXX and XXXX had blocked all of the fraudulent accounts per the official documents received. However, Transunion left one account that is officially labeled as fraud, and told ME that it is NOT fraud, and that they verified that it belonged to me, which is impossible. I received no notice as to why they did this, because it was NOT filed or authorized by me. Therefore it is not even a question of is it mine or not, if I am telling you and filing legal documents under oath that I did not authorize it. Therefore it is your job to remove it under 15 U.S.C. 1681-c-2, 15, U.S.C. 1684m ( f ), 15, U.S.C. 1684s-2 ( a ) ( 6 ), and Under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ).
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I obtained finally from XXXX XXXX XXXX claims XXXX Illinois after years of fraud activity and requesting my personal owned solely XXXX XXXX policy in my names insurance policy of 35 years. I am submitting the research of many years of identity theft to bank of America na to assist me in identifying a locating my identity thief of over XXXX  to XXXX   XXXX dollars of my solely owned life savings settlement monies and other funds acquired thru my XXXX  years of life in the USA. At this point there are 3 bank of America bank endorsements in 3 copies of cancelled checks issued to me in my solely owned names or escrow accounts at law firms. Bank Of America they are as follows # 1 check Issued {$2000.00} check Insured XXXX XXXX issued to XXXX XXXX XXXX Bank of America, Na BAL XXXX XXXX XXXX XXXX XX/XX/XXXX With 2 overlapping entries of XXXX XXXX See attached screenshot to correct numbers if needed. 
# 2 check Insured XXXX XXXX Issued to XXXX XXXX and XXXX XXXX For {$100.00} BANK OF AMERICA NA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # 3 check insured XXXX XXXX issued to XXXX XXXX and XXXX XXXX For {$90.00} BANK OF AMERICA CAR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THEY ARE ATTACHED to my cfpb continued search to recover from identity theft registered with the FTC and finally confirmed by the OCC this year of XX/XX/XXXX via their XX/XX/XXXX letter after reporting fraud and identity theft ( since XX/XX/XXXX XX/XX/XXXX well documented with all major credit reporting agencies. ) Regarding over 22 fraud requests for credit in my names thru XXXX XXXX XXXX XXXX XXXX NEVADA from XX/XX/XXXX thru XX/XX/XXXX.
Consumer complaint received 2019-10-15
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. (GA)

XXXX has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and XXXX refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Please remove these asap.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Yes i got a sony card. Yes it was only XXXX. Then guess miss some payments. And return payments from family members.Then rack it it to owning them XXXX. They didnt reduce this or let me set up payments. To fix this issue and card open. Yet they were rude and not helpful. I loved that card and now it is gone due to them.
Consumer complaint received 2021-04-12
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. (NV)

While checking my credit report, I notice an account from XXXX/XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXXXXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2022-11-06
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. (FL)

On ( XX/XX/2022 ) I 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 2021-11-09
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: National Credit Systems,Inc. (IA)

In XX/XX/2017 I was XXXX  and XXXX. I contacted the leasing office at my apartment and notified them that I was going to be incarcerated. We made a verbal agreement that they could keep my security deposit and lease my apartment. I was told 3 weeks later that there was a new tenant in my apartment. However nearly a year later the full balance of my lease agreement was reported to my credit report. I have disputed this many times to no avail. I believe this should be removed from my credit report because the company re leased my apartment within weeks of me vacating.
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-15
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. (CA)

I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

I have contacted XXXX and their fraud department to inquire about this debt thats being reported to my credit report as 2 separate accounts with them. They transferred me to ( ERC ) as they stated they could give me more information. I called ERC and they didnt give me information and stated " we dont have his debt anymore, we dont know where its at nor the company who has control of it '' ( XX/XX/22 at XXXX est ) call was recorded on their end so my inquiry wasn't responded to. Debt doesn't belong to me but is reporting to all 3 of my credit reports. please remove, advise
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I refinanced my home with XXXX XXXX on XX/XX/XXXX. The condition of the mortgage was : the property taxes are escrowed by the mortgage servicer. Consequently, Select portfolio servicing took over the loan from XXXX XXXX Despite my numerous calls and an email message to Select portfolio servicing, they are refusing to pay the first quarter property tax to the city of XXXX despite having amassed over XXXX in my escrow account. The tax was dues XX/XX/XXXX. Now I received a letter from the City of XXXX saying the account is past dues and there is interest assessed on the account. Select portfolio servicing must pay the first quarter taxes.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (FL)

On approximately XX/XX/XXXX a representative contacted about a balance I owed to XXXX XXXX  by Amsher a debt collector. I agree to a settlement to resolve the account in the amount of XXXX and asked the representative to call me back at the end of the month as I am on a fixed income and could'nt make the % XXXX payment of XXXX until the end of XXXX On XX/XX/22 I received a call from XXXX who processed the payment of XXXX and agreed to call back for the additional payment to be processed. XXXX called on XX/XX/22 and said the payment was attempted and was declined I attempted to explain that I was on a fixed income and needed the payment to be attempted after XX/XX/22 at that point XXXX became rude and was speaking over me and not allowing me to explain, he then stated that since I was unable to pay on that date that the settlement agreement would no longer be valid and that I would need to make a new one. I called back and " a supervisor '' who listened to my complaint and made no attempt to resolve anything. Based on my treatment by this company I disputed the original payment of XXXX with my bank and feel that I did nothing but attempt to resolve this account with this company, on a fixed income and during a pandemic. Who is doing that? And this is the way I am treated. I don't understand how these people are allowed to operate and why they haven't realized that you get a better result by treating people with empathy, respect and concern as opposed to hostility, threats and disrespect. As I explained to XXXX XXXX this debt is not a pressing issue for me but I was still attempting to resolve it fairly and was treated horribly because of it.
Consumer complaint received 2024-12-13
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} UNAUTORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

The reason for this complaint is XXXX XXXX is using shady and deceitful practices to get me to pay more money then what is owned for XXXX online classes from a third-tier college. Online XXXX tuition is {$390.00} per credit hour. XXXX coaxed me into getting a loan that I didnt need, I received Pell funding and also financial assistance from VA since my husband is a XXXX Veteran. They assured me that this was common practice to get into their school. I was working towards my XXXX XXXX XXXX. I started taking classes and I notice that I couldnt access my financial disbursements, Pell information, class cost, and other expenses. I was getting letters from Great Lakes and XXXX XXXX stating that I owe money for a loan that I have NOT received funds from Great Lakes, and I never got a billing statement from XXXX. I contact the financial aid office and spoke to XXXX XXXX ( Associate Director of Student Financial Service ), I asked for an itemized bill for my school expenses and I couldnt get a clear and concise answer other than the computer system will be updated. XXXX has since updated its computer system and it still seems to be antiquated. Weeks went by and I called Financial Aid office again and spoke to XXXX XXXX ( Director of Student Financial Services ), he assured me that things would get rectified soon, and I left messages that he never returned. Im confused about the lack of transparency and misleading information that I received from XXXX ; I decided to drop my classes and withdrew from the school. I contacted Great Lakes to no avail they informed me that XXXX is in control of the monies when it is released from them. On Great Lakes website it states that I currently owe {$1000.00} and I owe XXXX {$470.00}. How do I owe this money? I need someone to help me decipher thorough this enormous amount of documentation which is meant to bombarded and perplex me into overpaying XXXX XXXX. Montreat/Great Lakes should be audited for its predator lending practices. 


Here is what I know : Documents are attached As of today XXXX sent me a check for {$3700.00} ( XX/XX/2020 ) and {$260.00} ( XX/XX/2020 ) = {$3900.00} Ive paid XXXX {$1700.00} ( XX/XX/2020 ) and {$1900.00} ( XX/XX/2020 ) = {$3600.00} Great Lakes said I owe- {$1000.00} My Military Discount- {$260.00} Pell Grant Payment- {$770.00}
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2019 I woke up and found that my account was at a balance of almost zero when I should have been about {$200.00}. I then saw two unauthorized transactions posted to my account. These were ach debits to which I immediately found the form for the unauthorized debits to report them to Navy Federal Credit Union and shortly after submitting one form per a transaction called the representatives to confirm this form was received. Between now and then, I have called 20 times, been give several different stories, been very rudely spoken to, and forced to deal with an issue I did everything to resolve on my end. I was told I would have both transactions reversed within 2-3 business days of reporting the false charges to which would have been the first day on the first and today would be the 3rd and final day per their policies. Today I have not received one of the two transactions that I was told would be reversed by their policy of process. As a final attempt I called to which Im being told they cant tell me much but to call tomorrow to which I find this absolutely ridiculous. Its hard enough having low funds due to unauthorized transactions but to have to track down the people who are supposed to be fixing it is irritably unprofessionally and against their own policies. I expected both to be processed no later than today but out of no where they can not find one of the two forms I submitted? This is more than stressful and I have attempted to get a straight answer for the last 72hours with no break throughs. This facility time and time again had shown that stealing is more important than protecting finances with their customer.