davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After sending multiple letters to the credit bureau and to the creditors listed below and filing several complaints. Transunion is still reporting these inquiries on my credit report from the following places. 
1.XXXX XXXX-XX/XX/2018 2.XXXX XXXX-XX/XX/2018 3. XXXX XXXX-XX/XX/2018 I have contacted each of the companies as directed by the credit bureaus and was directed back to transunion in which they have failed to provide any signatures or contracts or any proof of evidence that what they are reporting is accurate and or that it belongs to me and instead of removing and ignoring my disputes they send me the letter that I am attaching to this complaint. Also transuion has violated my rights and refused to even mark these inquires on my report as disputed. This is my 4th letter that I have now send them certified with postal tracking number XXXX XXXX XXXX XXXX XXXX. 
It is clear that the ALLEGATIONS IS UNPROVEN In all aspects of its reporting and I requested that these inquiries be deleted immediately.
Consumer complaint received 2018-08-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is refusing to modify my HELOC on my primary principal residence.

Bank of America states I don't qualify for a loan modification. I have made numerous attempts to apply for a loan modification and have been denied.

I recently in the last two months modified my 1st Mortgage with XXXX XXXX with no problems. XXXX XXXX modified my loan in less than 20 days with no hassles. Bank of America is not making any attempt to help me stay in my home. It is frustrating to get the run around with Bank of America when applying for a Loan Modification.
Consumer complaint received 2018-08-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2018 XXXX XXXX  still has not assisted in contacting the Credit Bureaus to report my account {$53.00} has been paid in full and account closed. 

According to the Credit Bureaus, XXXX XXXX has not contacted them to remove this negative on my report but shows that the balance is {$0.00}
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MN)

Through a XXXX XXXX rebate program in XXXX, I was mailed a {$100.00} visa prepaid card. The card was issued by XXXX and the account info was managed by XXXX. The card was issued with only a 6 month expiration window and has subsequently expired at the end of XX/XX/2018. I never used the card so the entire {$100.00} balance should still be on it, but was told the card could not be reissued and that all of the funds were forfeited. Given the funds were never used and the expiration window was so short, I am hoping to somehow get the funds reissued.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My mortgage is currently being serviced by Select Portfolio Servicing ( SPS ). In XX/XX/2018 I changed homeowners insurance companies & submitted the info to SPS for processing because I have an escrow account. It later came to my attention that I did not have adequate coverage & was forced to cancel the policy obtained XX/XX/2018 & secure a new policy on XX/XX/2018 with XXXX. I received a letter from SPS dated XX/XX/2018 stating my mortgage payment would change from {$1200.00} per month to {$1400.00} per month beginning XX/XX/2018. I contacted SPS on XX/XX/2018 & the first representative placed me on hold for over 15 minutes because she did not understand how to review my account & had to seek assistance from a supervisor. I then called back & spoke with XXXX. I inquired as to whether SPS had received the refund from XXXX XXXX XXXX because an analysis had been completed on my mortgage. XXXX informed me that there was no record that XXXX had received the refund from XXXX XXXX XXXX. I then inquired as to why an analysis had been completed on my mortgage & I just cancelled the policy with XXXX XXXX XXXX on XX/XX/2018 ( not even 2 weeks had passed ) & was waiting for the refund to be issued. XXXX told me that an analysis is completed at the same time every year. I explained that the only reason why an analysis would be warranted at this time is because I had to switch insurance companies again. My complaint is that SPS business practices are flawed in that they did not allow adequate time for my escrow account to be refunded before conducting another analysis. The difference between my cancelled policy with XXXX XXXX XXXX & my new policy with XXXX is approximately {$300.00} +/-. This difference should not increase my mortgage over {$200.00} per month as stated in SPS most recent analysis on XX/XX/2018.
Consumer complaint received 2024-11-07
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. (NC)

Someone used my personal information to try to obtain credit cards and automobiles which caused several inquiries that was not authorized by me the following inquiries are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ACCOUNTS : XXXX XXXX account # XXXX open date XX/XX/XXXX {$800.00} XXXX XXXX Open date XX/XX/XXXX account # XXXX {$140.00}
Consumer complaint received 2017-10-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Please can you help me? 

XXXX have send me an email that they will send my transferred XXXX euro back to my bankaccount because they could not verify the name of my bank. XXXX Very strange because I send more than ones money from my bank account to XXXX. XXXX promised me in an email from XXXX XXXX XXXX to send the money back. But XXXX months later and lot of emails nothing send back or put it correctly in my Coinbase EUR wallet. 

I am desperate and I do n't know what to do. 

My name is XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-10-30
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: Experian Information Solutions Inc. (GA)

I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.
Consumer complaint received 2017-10-30
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: Medical Data Systems, Inc. (VA)

In XXXX XXXX, I received a phone call from XXXX XXXX XXXX, the collections agency, saying a small medical bill had been sent to them after the medical provider had not received payment. Come to find out, the medical provider had mailed it to the incorrect address and did not attempt to contact me when payment was not received before turning it over to a collections agency. I was in college at the time and thought my parents had taken care of the bill. I found out in XXXX XXXX that the bill had still not been paid, upon which I paid it immediately. XXXX years later, my husband and I are purchasing our first home and are applying for a mortgage. Our mortgage broker notified me that my XXXX XXXX was being severely impacted by the collections claim still appearing on my report. Although the balance shows {$0.00}, XXXX XXXX XXXX is still reporting this to Equifax, which is the score the mortgage broker uses to pull credit. MDS is not reporting it to the other credit bureaus and my scores are above XXXX with them, while my Equifax score is XXXX. Because my credit is so high without the collections claim, I called MDS and spoke to XXXX different people, all of who refused to remove the claim. I also left a voicemail with the head of XXXX who never returned my call. I also called Equifax who told me they have no control over what is reported to them and can not remove it. Obviously, my husband and I are now receiving a worse interest rate on our mortgage because this claim is still being reported XXXX years later.
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems (AZ)

Commercial Recovery Systems , Inc. 
Contacted me XX/XX/17 from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by XXXX XXXX, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.
Consumer complaint received 2017-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

XXXX XXXX transitioned loans to XXXX for all my loans. Where I had paid half my principle, XXXX never reflected any payment balance and refused to acknowledge previous Loan payment history the dept of education could clearly see. XXXX also changed my payments to interest only without my approval. I confronted them through the dept of education ombudsman who advised to reorganize back through dept of ed, find a new lender or settle/work with XXXX. XXXX requested $ XXXX. They refused to negotiate or accept payments were made from XXXX XXXX or AES, nor did they ever prove I accepted interest only and refused to make changes to my loan. I found a XXXX party, XXXX XXXX, changed to XXXX, who made an agreement where I pay them to file my loan forgiveness for XXXX ( former XXXX and XXXX ) loans, put the loan into forebearance while being processed and deal with Navient. I have executed documents on XXXX. They took my money and never processed, so XXXX defaulted, knowing the document was being processed with dept of ed. PHEAA took the loan at full value, refused to accept payment history and added $ XXXX for processing fee, knowing full well the were negligent and demanded full payment and ruined my credit. I request PHEAA be investigated. They declared I owe them over $ 100k. They refused to accept payment history dept of ed and AES see in my loan records. I told them in writing and their collections call my family nonstop. I plan to renegotiate under the dept of education.
Consumer complaint received 2018-08-16
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. (FL)

Experian has 2 inquires on my report that I DID NOT authorize, >>XXXX XXXX XX/XX/2018<< & >>XXXX XXXX XXXX XX/XX/2018<<, I DID NOT apply for credit with these companies/businesses and therefore they NEED TO BE DELETED!
Consumer complaint received 2017-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D2 Management LLC (WA)

Collection of a debt that has been paid since 2009. 

XXXX XXXX, no message left XXXX I called back at XXXX XXXX XX/XX/XXXX Spoke with lady and notified her of the situation after she explained she is trying to collect a debt on a XXXX  XXXX XXXX XXXX Charge-off, for over {$3000.00}. I explained that the debt is paid off since 2009 and I need to send a certified letter to her via physical address. My call dropped after I got just the city name. 

I called back and spoke with a different lady, who did not know who I previously to as " she is probably still notating the account ''. She verified my ID with last four of social security. I explained the situation to her as well and requested physical address for certified letter. She said " I 'm just an account rep, let me get you to an owner who can give you the information you need ''. I was put on hold for a couple of minutes. 

A XXXX XXXX answered from the complaints department. I asked if she was an owner and she said " No, but I can get you to one ''. I explained I was told it would be an owner, then explained yet again the situation. I asked for physical address she stated " Please hold while I can get some help with that ''. I held for a long time, probably over 5 minutes. It rang through to a rep again, being XXXX XXXX. She explained " the phone disconnected due to the long hold. Yes, let me get someone who can help with the physical address XXXX XXXX ''. I asked how she got that last name as they were calling for XXXX XXXX ( I never gave her XXXX, my legal last name ). She did not answer my question, nor did the following man. 

XXXX then answered. I explained again. He was more firm with me and offered a XXXX XXXX XXXX I informed him that " both the NY FTC and the attorneys I have worked with have advised physical address only for certified letter. The post office also requires it ''. XXXX rebuttled " Yes you can [ receive certified mail by XXXX XXXX ], we get them all the time. A little yellow card ''. I demanded again to get the physical address " So you are denying me the ability per federal law to send a certified letter of payoff to prevent you from illegally collecting on, or selling, this debt ''. He still denied so I demanded the XXXX XXXX which he provided very slowly. I then demanded a listed phone number. 

I informed him that I would be reporting D2 Management to the SEC and appropriate government agencies for denying to provide sufficient contact information for me to prove payoff. XXXX stated " Please do file. Please do ''. 

Conversation ended - 15 minute call during my work day.
Consumer complaint received 2017-10-30
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: AMERICAN EXPRESS COMPANY (TX)

This referred to the complaint issued on XX/XXX/2017 ID # XXXX The XXXX XXXX XXXX XXXX XXXX ID : XXXX REGARDING MY MONEY IN THE AMOUNT OF {$350.00} PLUS XXXX A TOTAL OF {$360.00} I did not need to be addressed on the Terms and Conditions when in fact the Vehicle # 1 XXXX XXXX XXXX XXXX was returned on XXXX XXXX, 2017 and the transaction has been closed. I do not have the vehicle. There was no need to hold my money because XXXX had already released the funds to be place back on my cards since XXXX XXXX, 2017.
Consumer complaint received 2017-10-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Law Firm, XXXX, XXXX XXXX XXXX on behalf of Huntington Bank is attempting to collect on an invalid debt against me. Huntington is claiming a lien against my personal residence based upon an alleged unpaid and unstated amount as a result of a mortgage that was cosigned by me for another property and businesses that were incorporated. Huntington took receivership of the property and businesses and caused a valid purchase agreement to be nullified resulting in a reduction of the sales price and deterioration of the businesses and their assets.
Consumer complaint received 2017-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

I have a Line of Credit Chase Bank with one interest rate for several years. The interest rate was 4.75 % with a payment averaging {$350.00} per month. I have had this line for approximately 10 years. On XXXX XXXX, 2017 I received my statement for period XXXX XXXX 17 thru XXXX XXXX 17 with a payment of {$620.00} stating my interest rate is 4.5 % with a {$19.00} principal. This is HIGHLY illogical since they state my interest rate is lower but my payment almost doubles. Additionally they state {$19.00} for principal ( a charge I have NEVER had before and do not know what it is ). On the second page of the statement they state I have 5 days of billing cycle at 4.5 %, 5 days at 4.75 % and 21 days at 8.45 %. Nothing has changed in the last 10 years but suddenly they have CREATIVE FINANCING. 

On XX/XX/XXXX I called Chase at XXXX XXXX XXXX asking for an explanation. The Chase employee was rather rude to me but finally transferred me to an Escalations Manager as she did not have the answer to question. 

XXXX, the Escalations Manager at XXXX XXXX XXXX ext XXXX did not have the answer either. XXXX stated she would research the issue and get back with me within 48 hours. She did NOT. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. XXXX did not return the call. On XX/XX/XXXX XXXX XXXX PST I left another message with no reply. 

Finally Saturday morning arrives and XXXX calls me while I am eating breakfast. I advised her of this and said I would call her back. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. I called her on XX/XX/XXXX at XXXX XXXX PST and left another message. 

It seems that XXXX NEVER answers her phone and only returns calls on Saturday mornings. A date her recording states she does not work. 

To date I have not received an answer to a simple question. My payment is due XX/XX/XXXX and I need to have this resolved IMMEDIATELY.
Consumer complaint received 2017-10-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Weinman Acquisition Group (TX)

I had a call Weinman acquisition collection company on XX/XX/2017 about XXXX XXXX and it instructed me to push 1 and I did. A gentleman came on the phone and I listening and he told me it was a bad debt for cash net and I tried to ask him how much was left owe and he then stated at this time I was a rude lady. I hung the phone up. The Gentleman called me back and said this will not make you debt go away. I asked again how much was left owed he stated at this time I should know and he also said I was XXXX and that I was XXXX. I asked to speak to someone else and he said you are not speaking to anyone else. I started making a noise make him listen. I then decided to hang up on him. I had to look on my caller ID to get a number to call back. I was sent to a director named XXXX and explained exactly what happened and I told her that was degrading and I do not believe that he should have spoke to me that way.
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MI)

On XXXX XXXX, 2017 I contacted Sunrise Credit Services INC in regards to an XXXX XXXX XXXX account that they were attempting to collect. I spoke with XXXX XXXX, a representative of the company, who refused to give me a employee identification number. She was attempting to collect {$2000.00} from me. I do not owe XXXX XXXX XXXX this amount of money. 

1. I asked XXXX XXXX, a representative of Sunrise Credit Services to conduct a investigation into the amount owed because it seems really expensive for 1 month of service. I told her that The Fair Credit Reporting act requires any reasonable dispute to be investigated in regards to debt collection. I wanted the amount owed verified and possibly a break down of these charges. She refused to investigate this matter, insisting the amount owed was correct and attempted to collect it via a credit or debit card. I refused to make payment until amount is verified. 

2. I never recieved a XXXX XXXX XXXX bill even tho I contacted the company numerous times stating they had the wrong address on the account. That matter was never resolved, and I never recieved a bill.
Consumer complaint received 2017-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX 2017 I initiated a transfer to my checking account at XXXX XXXX XXXX in the amount of {$85.00} to bring my account to the positive as it had been overdrawn overnight. The remaining balance was made immediately available by my bank with no restrictions whatsoever so I would have been able to make an atm withdrawal or any other debit purchases successfully. 
So been a consumer and knowing that my funds are available I went ahead and made two P2P transfers of {$10.00} and {$20.00} to my other account at another bank ( XXXX XXXX XXXX ) to cover a negative balance there as well to avoid an overdraft fees. The next day day I checked both accounts and the one at XXXX XXXX XXXX was not charged any overdraft fees because of the transfer I made to it before the banking day ended. However that was not the case with Capital One. Capital one had gone ahead and charged me {$70.00} in overdraft fees for no apparent reason and thereby overdrawing my account by {$67.00}. I called to let them know that they have erroneously charged my account but they insisted the fees are valid and would not issue me any refund. I explained to them there was available funds in my account before I made the transfer and the transfer would not have been successful if there was no funds available in the account. And the fact that the negative balance of {$67.00} on the account is less than the total overdraft fees of {$70.00} proves that indeed there was at least {$33.00} in the account when I made the {$30.00} instant transfer because the transfer amount is immediately taken out of the account when you inititiate it. They had previously charged me {$100.00} in fees earlier that week although I made deposits to bring the account to positive but I decided not to fight those fees. 
However I cant let them get away with this two fees because they are not valid whatsoever and the fact that XXXX XXXX XXXX did not charge me any fees proves my point and I believe all the banks are governed by the same rules and regultions