davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (TX)

I received a letter from Citi listing account ending XXXX with Customer Reference # XXXX  regarding submitting a claim for a potential refund before XX/XX/XXXX, today.  I don't have an account with Citi and believe this is a scam of some sort.  Also listed is a Tracking Number: XXXX XXXX XXXX.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid 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: U.S. BANCORP (MD)

Incident Date : XXXX XXXX, 2016 Incident : A payment of {$1200.00} on an XXXX XXXX credit card account processed twice. 

Attempts at Reconciliation : I contacted XXXX at the time of the over-payment, at which point they tried to give me credit in the amount instead. As I explained to them, credit is not cash and I would eventually have to pay it back to them with interest, therefore it would in no way constitute a reimbursement. 

They agreed to send me a check, but when I received it, it was for less than {$200.00}. When I called back to ask about the discrepancy, they acknowledged the mistake but told me they could not send a check for the full amount as I had to have at least the amount in available credit to do so. 

I had several conversations with Customer Service since then and was told several different things. I lost my credit card and when I called to replace it today I asked if I could finally be reimbursed. This time I was told - alternately - 1 ) that I needed a BALANCE of at {$1200.00}, not available credit. ( This would require me to spend {$120000.00} to get  a check for it, which seemed completely nonsensical to me. ) and 2 ) when I pointed out the logic flaw, that " it was too long ago. '' Since it took this long due to mistakes on the credit card company 's part, I do not believe I should lose {$1200.00}. Additionally, according to Regulation Z of TILA,  in a case of consumer overpayment, the involved creditor must " Make a good-faith effort to refund the amount of the credit to a deposit account of the consumer if the credit remains for more than six months. '' No such effort was made - in fact, I feel I have been more obstructed by Elan than helped. 

I was ultimately told that I would receive a letter within 10 days detailing their " decision, '' which I did not find promising given my experiences over the past year, so I opted to move ahead with a complaint.
Consumer complaint received 2024-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have contacted you in XXXX previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. This account was labeled as a repossession in XXXX of XXXX. Since then the account has repeatedly been updated as " repossession '' every month. This is an update in payment history. A repossession can not occur every single month and show active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX # XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am seeking your assistance regarding the false account listed on my credit report. This issue has negatively affected my reputation, and I am counting on your help. Due to the mishandling of my credit report, I have suffered greatly, and my reputation has been seriously harmed. You need to remove the incorrect information from my credit report.
Consumer complaint received 2017-12-08
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. (OH)

There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. TransUnion, XXXX and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (DE)

I was mislead by recruiters at XXXX XXXX. about the education I was going to recieve and the money I would make. I had instructors ( not professors ) who told all students to drop out and not continue and that the school was a scam. I did n't realize no one would hire me or take my degree from XXXX XXXX seriously. I was charged alot of money for no education. I did not realize so much money was being stolen from me. The recruiter was a tricky salesman who I believe charged me far more than typical because he knew I was just desperate to go to school and find a good job. I never found that job. Now the school is out of business and I never got to finish. I have all of these charges on my credit report destroying my credit and any possible future I might have because of one horrible decision I made : trusting XXXX XXXX
Consumer complaint received 2017-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

Navient has failed to withdraw money from my bank account even though all my loans are set up for auto payment. Two consecutive months I had issues with loan on XXXX XXXX I had to make a manual payment because out of the blue the account showed past due even though my due date is the XXXX of every month, for some reason since they could not explain why the payment was never applied to loan even though my other loans had been paid that month, as it turned I ended up paying double as it turn out the payment was in fact applied just took forever to be reflected this happened in the month of XXXX XXXX as well as XXXX. This month XXXX no Auto Payment was made even though it was set up to be, I called and spoke to a customer representative who told me that they have this problem and receive complaint calls every day about auto debit not working properly and yet they chose not to do anything, I wanted to speak to a manager to get the issue resolve and I was never able to. As a result of their negligence my account was past due ( 1 day ) and had to make the payment manually. This type of errors are stressful and can be potentially detrimental to my credit score. If I have Auto debit set up for every month why do I have to worry and double check every day that it is being done? why do I have to risk my account being past due when I 'm doing part and I 'm setting up my payments. I also have had issues with extra payments not being applied to the loans that I have specifically instructed to be applied to. Auto debit as well as extra payment are a big issue, issues that are damaging to my credit score as well as my personal finance. And the worst part of all of this is that there are no solutions offer and the mistakes keep happening month after month, not only is it stressful to repay for student loans but to that I also have to add the stress of checking my account every day to ensure Navient is doing their job.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

On XX/XX/XXXX my Attorneys sent CALIBER HOME LOANS, XXXX XXXX XXXX XXXX. and the XXXX XXXX XXXX XXXX C/O: XXXX XXXX, at XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, along with a copy to the Attorney General of Texas, and the Department of Justice of the U.S., FBI, Fraud Investigation Department, along with XXXX XXXX XXXX, XXXX, ( Servicer ), the attached letters requesting TILA documentation under Regulation X and to date, they have still not replied. On my Deed of Trust signed on XX/XX/XXXX ( attached ), specifically on page 13 of 16, number 24, it clearly states that only the LENDER can substitute the alleged TRUSTEE. Yet on or about XX/XX/XXXX, XXXX XXXX XXXX, acting as Vice President of/obo Attorney in Fact for Caliber Home Loans, Inc., the  SERVICER, allegedly assigned my Deed of Trust to XXXX XXXX XXXX XXXX, ACTING AS TRUSTEE FOR THE XXXX XXXX XXXX XXXX at the same address as Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX OK XXXX, which we believe to be a fraudulent document recorded on Public title which is a felony. Also, there is no mention of the assignment of the Note which violates the FCPA, 15 USC 1641(f)(g).
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (FL)

On XXXX/XXXX/XXXX I received a message via text stating my account was in the negative by {$11.00}. I go online and see the maintenance fee posted causing the account to over draft all other transactions were covered by the monies that were in the account. I go back into the account on XXXX/XXXX/XXXX to look to see if my direct deposit from XXXX was there and what I encounter is that BB & T has posted the maintenance fee as if it was a transaction that was before other charges and the transactions that were cleared with the money in the account is now showing up as over draft and at this point BB & T has not erroneously but with deliberate actions placed the maintenance fee before my other transactions when in fact the maintenance was posted after and that was the only transaction that did not have enough funds in the account to cover. I was just assessed another overdraft fee in the amount of {$36.00} on a transaction that clearly was done before the maintenance fee and the funds were available for that transaction as well. The grand total for the overdraft fees is {$140.00} which has not been just erroneously placed but rather fraudulently placed on the account by BB & T. The only overdraft fee I should have had assessed would have been for the maintenance fee. This is not the first time BB & T fraudulently placed a fee on my account. On XXXX XXXX I went to the BB & T ATM and pressed the fast cash button immediately after I pressed the option I realized it said checking and the money was in my savings. I pressed cancel on the key pad and any other ATM I have encountered immediately stops the transaction but not BB & T 's ATM machine. I was charged XXXX transfer fee. I went into the bank and explained I immediately pressed the cancel button however the transaction continued. The teller I was speaking to in the branch said the ATM does that.
Consumer complaint received 2017-12-08
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. (SC)

I have recently noticed in the past couple of days that credit inquiry 's for credit cards have been tried to apply from in California, as well as they hit my bank account for {$5.00} for a purchase from a XXXX XXXX XXXX app from California as well and has put my account into the negative. I use to have a lot of inquiry 's and withdraws from my bank accounts a lot and had to have my accounts monitored. for theft activity and it looks like they are doing it again, and I have to stop them because XXXX is right around the corner and I ca n't afford to lose my money again.
Consumer complaint received 2017-12-08
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. (GA)

I am a victim of identity fraud. I have submitted documentation as in a police report proving identity fraud. I also find problematic that I was a victim of the security breech, which was my drivers license, and these items still have n't been removed. It is an issue that Equifax did not protect my information but yet, still allows these fraudulent items on my credit report. The items that I have disputed are as follows : All XXXX accounts ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and all of those inquiries with the exception of the inquiries from XXXX 2016. 

I have disputed these items multiple times. Multiple times they have been denied. Also I see that Equifax has tried to cover up the fact that the investigation was n't completed within 30 days so they reopened another one to cover everything up. 

I have records of conversations, the numbers of disputes that I have opened, and more as proof. I also have my police report. I am prepared to file a lawsuit against Equifax and I will. I am tired of Equifax playing these games and messing with my livelihood. I do n't appreciate it and I will not sit back and just take it anymore. I will be filing a lawsuit asap because my rights have been repeatedly violated and I am not going to sit here and take this anymore. If you do n't want that lawsuit to happen, you will remove those items asap in accordance with my police report that is attached.
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TN)

I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. 
I called the company on XXXX/XXXX/2017 and requested verification along with the original lender 's information, so I may investigate the debt said owed. 
I also requested a copy of Ad Astra Recovery Services , Inc 's license number to verify if the collection company had the legal right to collect in the state of TN. 
I was told by the representative I do not need to know that information and he was not obligated to give me information on their license to collect. 
He also told me Ad Astra Recovery Services , Inc is licensed in all 50 states. I have learned the company is not license in the state of TN. 



This account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter
Consumer complaint received 2017-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

This is report, yet again, another a problem with MOEHLA student loan servicing. This time, the web site 's secure message center seems to be XXXX XXXX  or worse, the company has completely removed the ability to e-mail the company with a question. 

Tonight, I tried to send a message to the company in order get more information about its claim to offer a " CASHLoan 3 % Interest Rate. '' According to the website, " Interest rates may be reduced to 3 % during XXXX XXXX XXXX ... .Eligibility is based on XXXX XXXX  status reflecting on the SCRA Website. '' Yet that is it. There is no further information. 

When I attempted to go to the MOHELA secure message center in order to submit a question, the process totally and repeatedly failed. It appears to no longer be possible to send a message. Rather, unsuspecting customers are first lured into a secure message center that looks real. But upon choosing a subject from a drop down menu ( of which are severely restricted ), the site only allows you to choose from a preset subject. Upon clicking the preset subject, the site simply displays a small narrative -- much like a FAQ section. In my case, I selected " other. '' MOHELA displayed " Sorry, messaging is not available for this topic. " In sum, tonight MOHELA is blocking customers from submitting questions to the company via e-mail. 

My hope is this is just a temporary IT error. However, knowing the company for as long and as well as I do, this is likely the beginning of yet another way to reduce service to customers by a company with little or no oversight of there employees that promotes an anything goes/no controls environment. Thank XXXX for the CFPB to investigate and pursue an enforcement action.
Consumer complaint received 2017-12-08
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. (TN)

X/X/2017-XX/XX/17 Multiple unauthorized inquires on credit file that I did not authorize. Credit bureaus keeps telling me to call the creditors but I have no accounts with the inquiries showing on my credit report that I have reported as fraud t.The only permissible purpose for pulling someone 's credit report is 1. firm offer of credit. 2 insurance 3. employment 4. court order. None of 4 do not apply to me. I have attempted to contact each credit inquiry on my credit report and my information is not in the their records.
Consumer complaint received 2017-12-08
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. (TN)

XXXX Multiple unauthorized inquires on credit file that I did not authorize. Credit bureaus keeps telling me to call the creditors but I have no accounts with the inquiries showing on my credit report that I have reported as fraud t.The only permissible purpose for pulling someone 's credit report is 1. firm offer of credit. 2 insurance 3. employment 4. court order. None of 4 do not apply to me. I have attempted to contact each credit inquiry on my credit report and my information is not in the their records.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX & XXXX XXXX I have attempted to dispute public information being reported inaccurate on my credit file. I have disputed this information as not mine and someone with similar name filed bankruptcy. I have asked for physical proof that this public record being reported in mine. Since public record information is reported from a 3rd party source. Credit agency will not send me physical proof and keeps telling me that information is being furnished from the bankruptcy court. Bankruptcy courts do not furnish information to credit reporting agency. I received a letter stating to refer to the personal credit report you received for name, address, and phone number ( if available ) but nothing is available. I have yet received physical proof that the public information being reported is mine.
Consumer complaint received 2017-12-08
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. (UT)

For the last six months XXXX XXXX owned credit reporting agency, TransUnion has refused to fix an erroneous entry on my credit report. 

Worse - they wont even permit me to submit proof of not owing this debt. 

For six months they have knowingly and intentionally added to this debt as well - every single month. 

So, not only is the information entirely fraudulent, the amount is perpetually climbing from one month to the next with no supporting evidence or explaination.
Consumer complaint received 2017-12-08
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)

These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. 

XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX {$3800.00} XXXX XXXX XXXX FINANCENeeds Attention Last reported : XXXX XXXX, XXXX {$3000.00} In Collections/Charge-off XXXX XXXX XXXX XXXX NA Closed : XXXX XXXX, XXXX {$1000.00} Closed XXXX XXXX XXXX Closed : XXXX XXXX, XXXX {$200.00} Closed
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX & XXXX XXXX I have attempted to dispute public information being reported inaccurate on my credit file. I have disputed this information as not mine and someone with similar name filed bankruptcy. I have asked for physical proof that this public record being reported in mine. Since public record information is reported from a 3rd party source. Credit agency will not send me physical proof and keeps telling me that information is being furnished from the bankruptcy court. Bankruptcy courts do not furnish information to credit reporting agency. I received a letter stating to refer to the personal credit report you received for name, address, and phone number ( if available ) but nothing is available. I have yet received physical proof that the public information being reported is mine.