davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma (MO)

My wife XXXX XXXX XXXX and I, XXXX XXXX XXXX, have been clients of Credit Karma for years. We have done our taxes though them for the last 3 years. This year they decided to offer a savings account that your refund could be automatically deposited in. We decided to accept. We did but we were never given an account number nor an account number for this savings account. We tried to link my wife 's ebank info to this account but because it was under my name, they would not allow it. So I have been trying to set up an ebank account and finally achieved that on XX/XX/XXXX. Even tho, the check is in both of our names. Taxes were file on XX/XX/XXXX. On XX/XX/XXXX our tax refund of {$48.00} was deposited in said savings account. I have made contact by email, and online chats as Credit Karma in its great wisdom does not provide a customer service number so you can talk to a live agent. Since I was rightfully upset and told them I wanted the account closed since they would not let me link to the savings account now, I told them I had already complained to the better business bureau and intend to contact the MO AG and our local sheriff 's department. In the meantime, our stimulus check was deposited in Credit Karma savings account. So now there is {$2400.00} in said account.I have kept all of those complaints and their replies which are ridiculous.Next I get an email telling me that I have to use the phone to take pictures of my drivers license and a utility bill after logging into creditkarma.com/id-verification Okay, done. They send a code which they never asked me for. I did as they asked, took said photos which were promptly rejected. The email also told me that I would receive a counter check in 15 to 21 days after they accepted my id info. As I said it was all rejected and I was told to contact support again which I tried to do by chat but no agent ever showed up. I did report them to the XXXX XXXX XXXX of XXXX XXXX. However the bank they used for the savings account is XXXX XXXX, XXXX out of WV. I found out that a lot of people have had problems with Credit Karma savings accounts and the reviews are extremely bad. I will be closing all credit karma accounts and taking my taxes elsewhere from now on. 
As of XX/XX/XXXX XXXX XXXX I have received no reply email after sending yet another request to Credit Karma through member support to tell me how they intend to take care of this situation. So I can only assume that they do not care enough to provide a solution.
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: California Business Bureau, Inc. (CA)

I called California Business Bureau , Inc. on XX/XX/2020 at XXXX. I spoke to XXXX XXXX ( ext XXXX ). XXXX took the time to admonish me for not paying my bill. I explained I had never been sent to collections before, but due to a family tragedy, I had lost sight of one small medical bill. I settled my debt quickly and asked for a deletion letter. XXXX informed me that she would send out the deletion letter as a one time courtesy and again admonished me for the oversight. I thanked her and explained I don't expect to ever get sent to collections again. XXXX informed me the letter will be in the mail and to wait 7-10 business days. When I didn't receive the deletion letter, I called XXXX back on XX/XX/2020, to check on the status of the letter. XXXX then informed me the letter was never sent but that it will go out in the mail the next day and that I needed to wait another 7-10 business days. I told XXXX that since I was going through a refinancing of my home, the lender required the letter immediately and I asked if she could either email it or send it via expedited mail ( like XXXX ). She informed me that she couldn't but that I could go in person to pick it up. I informed her that due to COVID-19 and me being in a high risk category, I didn't think that was a risk I should take and again asked her to reconsider my request. When she refused, I asked to speak to her supervisor. XXXX didn't want to pass me to her supervisor but eventually put me on hold. I spoke to XXXX, who said she was the " Vice President '' of California Business Bureau and reiterated she couldn't send me the deletion letter via expedited mail. She interrupted me and took the time to admonish me for not paying my bill, again explained the deletion letter was a courtesy and became rude, hostile and aggressive when I tried to speak and ask why she couldn't send me the deletion letter via expedited mail when I had already settled my debt. She was more interested in speaking over me and giving me a life lesson, than holding up her part of the agreement and providing me with the letter. She then hung up on me. I'm concerned XXXX will now not send the deletion letter out of spite and that that I won't be able to refinance my home. I'm also concerned this settled debt will affect my credit score, which I've worked hard to keep in the XXXX. These people shouldn't have this much power. It goes to their heads and they can cause further financial hardships. They are part of the problem and not the solution. I'm requesting help to procure this deletion letter and would like to lodge a formal complaint against this debt collector for not acting in good faith.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Account # : XXXX** XXXX** Account Type : Installment Installment Account Type - Detail : Unsecured loan - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$670.00} {$670.00} No. of Months ( terms ) : 7 7 High Credit : {$480.00} {$670.00} Credit Limit : {$0.00} {$0.00} Past Due : {$670.00} {$670.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Charged off account Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).
Consumer complaint received 2019-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Im writing this in response to a dispute against portfolio recovery with an alleged debt on my credit report. 

Under ny law portfolio failed to provide exact information regarding such debt. They did not provide proof or start date of said debt, failed to show proof of exact dates that debt was made or months of missed payments and most importantly the so called debt that they are trying to claim is past the statute of limitations under New York State Law, Uniform Commercial Code 2-725. Even in their own letter it shows that they are past the expiration date to collect. Therefore this debt should not be on my credit report as owed to them. My Next letter it to the nys attorney general regarding this issue.
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (PA)

XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX CR UNION {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX  {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported balance Credit limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX  & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/XXXX 2015
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NM)

Medical Data Systems Inc. reported a collection account that was previously paid. I called the company at XXXX. I spoke with someone named XXXX, but she refused to disclose her identity beyond her first name. I was directed to XXXX XXXX, the manager. He refused to give me any sort of straight answer while I was speaking with him over the phone. I asked him about the status of the account, but he was unwilling to answer why the account was still listed as open despite the debt having been paid. I requested an account statement or a statement of XXXX balance, but he told me that he was going to give me the phone number of the legal department or hang up. He started counting from 1 to 3, then proceeded to hang up. There was no legal reason for him to have hung up the phone. I retained a copy of the call recording. I was polite, courteous, and professional with him. He was yelling at me while we were speaking. He refused to address the problem. After he hung up, I called back and left a message on his voicemail informing him that I would be filing a complaint here. I have not heard back from his office.
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (GA)

THE CREDIT AGENCY EXPERIAN REFUSES TO REMOVE NEGATIVE ITEMS FROM MY CREDIT REPORT! THESE ITEMS ARE LISTED BELOW : ( 1 ) XXXX  ( 2 ) XXXX XXXX XXXX XXXX THESE COMPANIES WERE CONTACTED BY ME AND I WAS TOLD BY THESE COMPANIES THAT THEY DID EVERYTHING THEY ARE SUPPOSE TO DO AND NOW IT'S THE RESPONSIBILITY OF THE CREDIT BUREAUS TO DELETE NEGATIVE ITEMS FROM MY CREDIT REPORT. I RECEIVED AN INVESTIGATIVE REPORT FROM EXPERIAN ON XX/XX/2020 AND THE ABOVE ITEMS ARE STILL ON MY CREDIT REPORT. 

XXXX AND XXXX HAVE ALREADY DELETED THE ABOVE NEGATIVE ITEMS FROM MY CREDIT REPORT, HOWEVER EXPERIAN STILL REFUSES TO DELETE THE SAME ITEMS OFF OF MY EXPERIAN CREDIT REPORT AND I HAVE TO ASK THE QUESTION???? WHY? WHY? WHY? WHY? WHY? WON'T EXPERIAN REMOVE THESE ITEMS OFF OF MY EXPERIAN CREDIT REPORT???? 

I HAVE WROTE TO YOU SEVERAL TIMES AND FILED A COMPLAINT AGAINST EXPERIAN AND TO THIS DATE THE ISSUE STILL HAS NOT BEEN RESOLVED! WHY? WHY? WHY? WHY? WHY? 

I HAVE SENT EXPERIAN ALL DOCUMENTS SHOWING THAT XXXX AND XXXX  REMOVED THE ABOVE NEGATIVE ITEMS OFF OF MY CREDIT REPORTS FROM THEM AND I ASK THE QUESTION AGAIN WHY EXPERIAN WON'T REMOVE THE SAME ITEMS????? 

ALL ( 3 ) CREDIT BUREAUS BY LAW ARE TO SHOW ALL THE SAME INFORMATION AND EXPERIAN OUT RIGHT REFUSES TO DELETE THE ABOVE INFORMATION! 
THIS CREDIT REPORTING AGENCY ( EXPERIAN ) IS THE FAR WORSE CREDIT REPORTING AGENCY THERE IS AND FRANKLY I'M SICK AND TIRED OF THE RUN AROUND EXPERIAN IS PUTTING ME THROUGH AND I WOULD EXPECT THE CFPB TO ACT SWIFTLY TO GET THIS MATTER RESOLVED AND MAKE EXPERIAN COMPLY AND DELETE THESE NEGATIVE ITEMS OFF OF MY CREDIT REPORT!!! 

EXPERIAN IS THE WORST CREDIT REPORTING AGENCY EVER!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CO)

common wealth financial is falsely reporting collections on my XXXX, XXXX, and XXXX. I received a response stating they can't even find me in their system but how are you falsely reporting information to the bureaus? Claiming XXXX dollars is owed to them and I have never heard of this company before this past week. I gave them the account number on my profile and they can't find it in their system so how are you reporting false information damaging my credit scores???
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunuon charged me {$25.00} for a membership I didnt even know about there website didnt mention that it would be {$25.00} when I signed up I ended up canceling my membership {$20.00} mins after
Consumer complaint received 2020-04-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (DE)

My student loan servicer is Pioneer Credit. I let them know that I was having a financial hardship because my husband was now XXXX and i had small children and i didn't know when i could pay them, they set me up with a payment rehab, but it was an individual one for each of the loans that I had and they told me that that was the only thing that I could do, i did it to try not to damage my credit any worse ... once my time ran out there I then called back and was told that had I not taken the rehab program that I would have qualified for forebarance, but now i don't because i agreed to the repayment option and because i didn't make all six payments for the rehab program that I didn't qualify for that anymore either. I didn't work for 7 years because of his accident and my children. Now i begin working and im going through foreclosure and so i file all three years of my tax returns and i am set to recieve back {$10000.00} and of course they garnish my taxes .... I then call and tell the that money was supposed to save my house and they tell me if i fill out an application and send foreclosure paperwork that they will give me my money back, but i have to do it within 30 days they don't send the papers after a week i call back and the representative admitted that they didn't send the paperwork, but said if she sent it out now i wouldn't get it in enough time to send it back to them anyway ... .. I now can't file my taxes even though we are in a pandemic because when I do they are going to take that again because when i called pioneer to say ok so you have {$10000.00} of my money can i go into repayment so you don't take my next years taxes she says no because you have to set up a repayment plan and you need to pay {$150.00} to begin the repayment plan!!!!! I said you just got a {$10000.00} payment that doesn't count and she says no ....
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (FL)

This collection company keeps calling me concerning a XXXX XXXX XXXX credit card account, but they have failed to provide : the name and address of original creditor, a copy of the original signed contract, delegation of authority to collect the debt, and a complete accounting of payments, interest and any fees associated with the alleged debt, per my request.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERICAN ADVISORS GROUP (FL)

Getting fraudulent mail from a company pretending to be AAG which I have a Reverse Mtg with and I also worked with. I know they never had anything like this or would they ever have. They are saying I had a home warranty and it is not up to date and I must renew it as this is a final notice and for course they want money to do this and I must contact them asap THIS IS A FINAL ATTEMPT TO NOTIFY YOU XXXX Customer ID XXXX Respond by XX/XX/2023 This is being sent to seniors and trying to scare them into sending money for something that does not exist. 

It says : FINAL NOTICE Lender Info : American Advisors Grp
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and USAA is to take the money out as scheduled on the 15 and 30 of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. USAA takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I bought a XXXX XXXX XXXX from XXXX around XX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX XXXX. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. XXXX   is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX and XXXX and it was approved. The issue here is that on my credit, XXXX shows a charge off amount for the XXXX on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX   off my credit as I properly traded that car in for the XXXX XXXX.
Consumer complaint received 2024-01-02
Product: Credit reporting 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. (FL)

Hard inquiries in my credit report that i dont recognize:
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
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

SageStream , LLC - First the company alleges to be a consumer credit reporting agency. They appear to have information on me and submitted it to XXXX XXXX. I filed a credit freeze on all three credit bureaus and have consumer alerts on my file as well. This company is reporting adverse information that affects my credit score and the only way to identify what they are reporting is by passing them personal information, including my state or federal identification, ssn number, copy of utility bills, mortgage company and such. Since I don't know who they are and/or why they are not honoring my credit freeze or consumer alert and freely giving my credit history out to strangers ... .I am left with no recourse except to provide them first with information - which I shouldn't have to. They should be honoring my protections provided by law.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I used the Santander site to initiate a transfer of {$2100.00} from my personal checking account to my HELOC ( to pay down outstanding balance ). 

On XX/XX/XXXX, I noticed that two withdrawals of {$2100.00} were posted to my personal account transaction history : one on XX/XX/XXXX, indicating it was a transfer to the HELOC, and a second one on XX/XX/XXXX with the description " CAPITAL REPAYMENT ''. I did not make or authorize the second transaction, and could not explain it. 

As of XX/XX/XXXX, HELOC showed credit/payment of only {$2100.00}, with a date of XX/XX/XXXX. I called Santander that day to flag the second withdrawal ( " CAPITAL REPAYMENT ''  on XX/XX/XXXX ) being an error, and a service rep indicated that the XX/XX/XXXX withdrawal would be reversed and my checking account credited within 3 business days. 

Seeing no change in the accounts on XX/XX/XXXX ( neither the HELOC nor the checking account were credited the missing {$2100.00} ), I called Santander again and spoke to a new rep.I was provided a case reference # ( XXXX ), and told the case would require 5, not 3, business days to resolve, so I should anticipate the funds being replaced by XXXX. 

On XX/XX/XXXX, neither account showed the missing funds, so I called again and spoke to a new rep. He could see the case and asked where I would like the funds credited ( HELOC or checking account - I requested the checking account ) and provided a new case # for that action ( XXXX ). He indicated this would take another 3 business days and the funds should be returned by XX/XX/XXXX. I indicated that I have been waiting on the resolution for some time and am accruing interest on the HELOC and other debt due to the funds being missing. He indicated he would request accelerated processing. 

As of submitting this complaint on XX/XX/XXXX, the {$2100.00} withdrawn from my checking account on XX/XX/XXXX is still missing from both accounts. I am submitting this complaint due to repeated delays getting the funds returned and the possibilities of both further delays and not getting the funds returned at all.