davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (CA)

TransUnion is wrongfully reporting a XXXX-day late payment on my credit report. The derogatory entry is dated XX/XX/XXXX on a XXXX XXXX XXXX  ( Student loan ) account. I have disputed this reporting error more than XXXX times with TransUnion and have sent a 'Method of Verification Request ' letter on XX/XX/XXXX. However, to date the reporting error has not been deleted nor have I received a specified response to my 'Method of Verification Request ', detailing how, when, and with whom this account was verified at XXXX XXXX XXXX The XXXX XXXX XXXX student loan servicing department was terminated in XXXX and when I called XXXX XXXX they were unable to verify any information regarding this account because they deleted all data of student loan holders and their payment information. Since no information regarding the XXXX XXXX XXXX  account can be verified, I would like this reporting error of a late payment dated XX/XX/XXXX to be deleted from my credit report. No other credit bureau is reporting a late payment on my credit reports. None of the other credit bureaus are reporting a late payment on this account.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  in XXXX Maryland, 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 an account without my written instructions
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act i believe XXXXXXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

On Tuesday, XX/XX/2020, I viewed my checking account because I received a notification on my phone that my account was overdrawn and it should not have been. Upon researching my account as to the reason it was overdrawn I noticed the a provisional credit was reversed and debited from my account and I was charged an overdraft fee. The previous day, Monday XX/XX/2020, I withdrew from my account {$120.00}, in two separate transactions and they cleared. Those should have been the only pending transactions in my ledger with a remaining balance of {$4.00} ( receipts attached ). Suntrust bank manipulated the order of the transactions to  warrant the overdraft fee. I cant get an overdraft fee from a withdrawal nor from a reversal of a dispute credit, they chose a transaction that had already posted to my account to make it appear the reason for the overdraft fee. I called the bank to ask them to remove the fee and I will deposit the amount of the dispute credit to get my account out of a negative balance and they refused. I called the dispute department to file a complaint against Suntrust bank for a fraudulent overdraft fee. The representative that assisted me in filing the complaint is XXXX XXXX XXXX.
Consumer complaint received 2023-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

I am trying to get a complete payment history, which the lender promised orally and in writing. I made payments in XXXX XXXX XXXX  and XXXX XXXX  and I need proof of payment for the XXXX XXXXXXXX XXXX XXXX XXXX. Myfedloan promised a complete payment history in XX/XX/XXXX orally and in writing. They have since refused to comply. They only provided XXXX. At the bottom of the letter ( highlighted in the attached XXXX  ) Myfedloan stated : " You still have details to review! We weren't able to fit the financial activity for all of your loans on one letter. Don't worry! You should see another letter from us that includes the remaining financial activity history. ''
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (TX)

On around XX/XX/XXXX an alert showed from Experian about a collection debt from XXXX XXXX for {$7000.00}. 
XXXX XXXX is a collection agency for apartments. The original Creditor is XXXX XXXX XXXX XXXXXXXX in XXXX TX an apartment complex that I have never applied for. 
This debt was opened fraudently in my name around XX/XX/XXXX. 
I've never lived in XXXX. Calls to the apartment complex have gone unanswered. 
Meanwhile I'm disputing this inaccurate information and Experian says the item was accurate and validated. This is not my debt. I have been subject to identify theft for the past 3 years from the data breaches to where I've put a credit freeze on my account. The Experian dispute was closed on XX/XX/XXXX and I've called and opened another dispute for this item. I have also contacted the XXXX on XXXX XXXX.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, in XXXX Maryland, 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 an account without my written instructions
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I went to a local electronic store to buy XXXX XXXX as a mother 's day gift. I purchased the XXXX  on my XXXX and as the sales person was closing the sale I was asked if I would be interested in an extended warranty. I did not see the harm so I gave him my information to find out the cost. Eventually I declined the offer and left the store. The next day or so I received an alert from Transunion regarding a new Hard inquiry on my credit report. I immediately contacted Transunion and they informed that the inquiry was from XXXX XXXX and that I should contact them to have the inquiry removed. I called XXXX and they told me that this was fraud and that the inquiry would be recended. 
A month later the hard inquiry is still on my credit report so I called XXXX once again today to see if I could get an update on when the inquiry would be removed. They informed me that my case was listed internally in their system as fraud and going forward all credit applications with my information would be declined but to have hard inquiry removeal would have to done directly with Transunion. I once again called Transunion and they informed that I needed to make the request for the removal with XXXX. Basically XXXX tells me talk to Transunion and Transunion tells me to talk to XXXX. I told Transunion representative that both companies were bouncing me off one another and nothing was progressing. She then told to file a fraud claim with the FTC so that they could inform Transunion regarding the fraud on my report ... and now the FTC has sent me to Consumer Finance. So here 's hoping XXXX can help me remove this hard inquiry from my credit report when all I wanted was a mother 's day gift.
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (MS)

I received a contract from XXXX to get a personal loan for XXXX. I gave them my bank ingormation ( Navy Federal Credit Union ) to transfer funds, they wanted to see if my account was in good standards so they sent XXXX in which i was told and have witnesses with me to take money out an send it back by going to XXXX XXXX an purchasing {$490.00} worth of XXXX XXXX cards to send money back. I never received my XXXX. I was calledXX/XX/XXXX by Navy Federal saying my account was compromised by a scammer an that the company made a fraudulent claim to take back my own money from bills i had already payed starting from the XX/XX/XXXX  When i was told on a recorded line from Navy Federal about the activity i told them everything even tried to send the contract off my gmail, he told me they would take care of everything but couldn't receive the funds back. Now today XX/XX/XXXX im getting emails from my lightbill company saying my electricity check for the XX/XX/XXXX has been returned leaving us in the dark an now there is a negative balance in my checking account from Navy Federal saying I owe this money back to them on the XX/XX/XXXXt but was never told to me while i was on the phone the first time that i would have to pay this money back. Im losing both ways an i feel attacked, stupid, and vulnerable at the moment because i needed help with school supplies an clothes for my children. Why wasnt i told at first time talking to fraudulent people fro Navy Federal about this nor giving information on what the scammers took from me. The scammer or XXXX XXXX XXXX phone number is XXXX. Please help me get some better understanding on how this work i talked to people from the bank stating they cant do anymore to help me they wont even do a further i investigation which is why so many of us in the military commit XXXX or dont want to be apart of this country we serve because we put our lives on the line for everyone an cant even get any protection, help or understanding from our fellow people that say they're here to help. Please help me understand why an yes i know i made a XXXX up decision trusting this company but losing twice really hurts my whole family. If theres anything you can do please let me know. My name is XXXX XXXX phone XXXX
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (FL)

I acquired a loan thru Gateway One Lending & Finance, a TCF Bank Company approx. 3 years ago thru a application at a car dealership for the purchase of a used vehicle. I have contacted Gateway numerous times ( in writing and verbally ) explaining that I work at a Healthcare facility and do not want to be contacted while at work. I have explained they are able to contact me via my cell phone, usps mail or via email. I sent a email on XX/XX/21 telling them they are not to contact at work. They email was received and responded to by a Gateway One representative. This company continues to use illegal and underhanded collection techniques and in the past have contact friends and family. I would like to file a formal compliant against this company and their continued illegal practices.
Consumer complaint received 2020-04-28
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-28
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, have all 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 All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit report act XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX has violated my rights. 

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

15U.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 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

A Mortgage Servicing company paid a lien by the Homeowners Association an amount higher than what was negotiated with a Law Firm that I hired. Due to the years of errors and refusals to provide an accounting of the prior lien and now it appears another lien has been placed which has our family in turmoil. We hired a Law Firm that has failed to protect our interest. The Homeowners Association filed legal actions in two different counties against us and our property, which has caused a lot of confusion. On many occasions we have requested to resolved this matter amicably and lost out on an opportunity to refinance our home when interest rates were lower. Our family has been damaged financially and emotionally for years and feel the fraud, deceptive practices must me addressed forthwith. The HOA never provided a payoff to our lender that was going to pay the settlement amount. 

Documents to support our position is available and will be provided upon request
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (OH)

I opened a " Platinum '' Money Market account with BMO Harris Bank on XX/XX/2020. I was told I needed to immediately deposit {$5000.00} in order to qualify for the " Platinum '' account. I made a {$5000.00} deposit immediately and received confirmation on that same day that my opening deposit was complete. I then received an email from BMO Harris with the subject line, " Come back and Transfer Funds ''. So I made a second transfer for {$5000.00}. When I went the following day to check my BMO Harris account, I received an error that my log-in information was incorrect. I called BMO Harris ( XXXX ) and was put on hold for nearly 50mins. Someone then answered, verified my identity, and told me they needed to transfer the call. They then disconnected. 

I called back the following day, was again placed on hold- this time for 35mins. Was asked a series of questions to verify my identity and then was placed on hold again while I was transferred to " the tech department ''. Someone answered, asked a series of questions to verify my identity, and then informed me that a hold was placed on my account, and they weren't sure why but I should keep trying to log in and eventually my log-in would work. 

The following week, after no success accessing my account or the money I'd deposited, I called XXXX XXXX back. This time after being on hold for an extended period I spoke to a personal banker. I explained that I wanted to just cancel the account and have my money returned to me. She told me that she couldn't do that, but would transfer me to the " fraud department ''. After being placed on hold, the personal banker returned and informed me that the " fraud agent '' assigned to my case wasn't available. I explained that I had called several times and had spent hours on the phone with the bank in an effort to rectify this issue. She said there was nothing she could do, and that I should call back. 

I called back again today ( XX/XX/2020 ). Same thing- identify verified, but they refused to put me in contact with someone who could solve the issue AND they refused to return my money to me. I have no way to access my funds, no way to view my account, and they are refusing to allow me to close the account. It has been several weeks and a complete nightmare. Please help me. Thank you.
Consumer complaint received 2020-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc. (CA)

I spoke with XXXX at Delta Management Associates in regard to the refund checks owed to me due to the CARES Act. She was not able to provide any information about the refund checks in terms of when they would be printed, when they would be mailed or an estimated time of arrival. After several days and several phone calls, XXXX mentioned her supervisor XXXX XXXX was either not in the office or was leaving the office early everyday, so she was not able to get any information from him about the refund checks. 

XXXX and XXXX both refer calls to Delta Management Associates for questions in regard to refund checks yet Delta Management Associates has their head up their XXXX and is unable to provide any information.