davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
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. (CA)

Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiry XX/XX/2019 from : XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX Second company reported hard inquiry XX/XX/2019from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

I applied for a Best Buy card back in XXXX. Upon application I was assured that there were no additional fees or payments to be made other than interest charges. Best Buy somehow signed me up for a protection plan through a company called XXXX that now partners with Citi Bank. I never knowingly opted for any debt protection plan nor would I have wanted to. I DID NOT agree to anything of the sort verbally or otherwise. Any proof that may be procured that may prove otherwise was obtained fraudulently. 

So now, for the last 8 plus years I have unknowingly been paying for this program and the charges total to over three thousand dollars. In addition, these charges are not clearly stated. They were labeled as " Regular. '' I hadn't noticed this until the representative I spoke with on the phone pointed it out to me. Even if I had noticed it before, I would have assumed it was an interest charge. 

The XXXX agent I spoke with on XX/XX/XXXX put in a request for a refund of the charges and proof of agreement. He then said I would hear from them within a month. However, after doing some research through related public forums, I found out that I am not the only customer who has been mislead and affected by these charges I can only describe as fraudulent. Apparently this has been going on for a very long time and many people have been conned out of thousands of dollars. Many of which were denied refunds and denied proof of ever signing up for the program.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc. (OH)

In XX/XX/2017 swiss company checked my credit report without my knowledge or authorization. They have an account listed on my credit file and I have asked them to validate the debt that is being reported in which they have not done.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Last month, I prepaid my car insurance ( XXXX ) early. Then, they accidentally took the payment anyway ( again ). This overdrafted my account, causing {$70.00} in fees. These were EVENTUALLY replaced but I had to wait over a week for my own money. This month, again the account was too low when they attempted to take my payment for the first time. XXXX will retry if denied, without fees accessed. When I dialed Citizens Bank for help, they said, " We can apply for OD protection and/or a line of credit ''. Great! 

So I thought. I was denied both ( surprise ) but charged {$35.00}. For the insurance. Then {$15.00} from an app was charged. I was not denied, simply charged another {$35.00}. 

I expressly told Citizens that they do not have permission to pay out anything that I will be charged for. I'd like my {$70.00} back.
Consumer complaint received 2019-05-17
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. (NY)

I had spoke to XXXX about the following hard inquiry pulls that they had said they would remove from my file. They were pulled without my authorization. They had agreed to remove the following dates from any credit report such as XXXX, Experian and XXXX. Here are the dates that need to be removed. I had to spoke to them last In early XXXX and they said by XXXX everything should be taken care of but they still show up. 

Here are the inquiry 's I am asking to be removed as agreed upon. 
Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-05-17
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: SYNCHRONY FINANCIAL (NC)

On XX/XX/2019 there was a credit check from a company called National Credit Card Airlines ( SYNCB ) and I have never heard of this company which is why I didn't contact them. I get emails about my credit score and this showed up today as a recent transaction and I have not done so. It was suggested that I contact you so I am taking those steps now.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  XXXX XXXX XXXX  is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.
Consumer complaint received 2019-05-17
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

Macy 's changed my method of receiving billings and did not notify me. They took it upon themselves to put my account on e-bill system without notifying me. Apparently they emailed me my invoices and I did not receive, most likely went to spam or junk and I had a late payment that I didn't even know I had due. They reported a negative report to the credit bureaus and will not undo. Also, pay attention to your account number, they changed my account number for some reason as well and didn't tell me, you will want to put the correct account # on your payment. Why they would randomly change your account number is beyond me.
Consumer complaint received 2019-05-17
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: EQUIFAX, INC. (NY)

There is a credit inquiry from XXXX XXXX XXXX on my credit file ( from XX/XX/2019 ). I did not request any account openings with XXXX XXXX XXXX or their affiliates. XXXX XXXX XXXX assured me no accounts are opened or have attempted to be opened in my name. I was also out of the country when the inquiry was conducted so it is clearly an error. There is no suspicious activity regarding my identity or credit at this time. 

I have asked Equifax to remove this multiple times. The first time they denied it stating I needed to file a police report for identity theft ( but my identity was not stolen ). The second time they have not gotten back to me ( after 30 days ) and continue to " look into '' the problem.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TransUnion, and XXXX  are unfairly setting my credit scores. In the month of XX/XX/XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~400. I believe XXXX is displaying unfair practices.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX, and Experian are unfairly setting my credit scores. In the month of XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~400. I believe XXXX is displaying unfair practices.
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (TN)

In XXXX & XXXX I contacted SCA Collection agencies with the request to provide supporting documentation to support their claim. 
In XXXX a complaint uploaded through CFPB - refer to dispute # XXXX-XXXX SCA COLLECTIONS, INC for comments.
Consumer complaint received 2019-07-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (TX)

This debt was purchased by collection agency from XXXX. This loan was in a Chapter XXXX payment plan effective XX/XX/XXXX through a dismissal XX/XX/XXXX and ultimate close date on bankruptcy XX/XX/XXXX, AO through Trustee to roll in past due amount in bankruptcy plan in mid XXXX, repo in XX/XX/XXXX and then sold at auction. The balance is not correct, the dates being reported to CRA are also inaccurate. I have never been in contact or received communication from DeVille Asset Management prior to this being on my credit reports. This collection company, DeVille Asset Management has been in trouble with the SEC and was shut down thus they have a federal case pending. They are in a great deal of trouble that invoIlves fraud.
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

My property taxes were due XX/XX/XXXX, and they were not paid. I received a notice from the XXXX County Tax Assessors office in XX/XX/XXXX that the taxes were not paid and incurred a penalty fee. I called my mortgage company, Loan Care, and they stated they would take care of it and incur the penalty fee. They did not supposedly pay until XX/XX/XXXX,  per my monthly statement. On XX/XX/XXXX, I received a call from XXXX XXXX with the XXXX County Tax Assessors office that my property taxes were not paid. I called Loan Care that day and was told there is no one I can talk to and that I have to submit an email to XXXX with the issue. I submitted the email that the taxes have not been paid and they need to submit proof of payment including the parcel ID ( XXXX ) to XXXX. I received a confirmation email from them with a reference number of XXXX and it could take 15 business days to for research to be completed. I emailed them again, XX/XX/XXXX, with the above reference number, that no one has reached out about the property taxes issue and this is an urgent matter. I spoke with XXXX on XX/XX/XXXX and told it would be XX/XX/XXXX for an answer as it was still under review. XX/XX/XXXX I spoke with XXXX and told review is in progress and reopened on XX/XX/XXXX with a close date of XX/XX/XXXX but awaiting " XXXX '' to be removed. She did not know what " XXXX '' meant. On XX/XX/XXXX I spoke with XXXX and told she would send this to the manager but it would be 3-4 business days for a response but probably 4 days. She said she is in Virginia and they are in Florida so it is not like she can just go talk to them. I am growing more frustrated because I am unable to talk to anyone with authority to tell me what the problem is and why it has not been resolved. All they need to do is forward a copy of the payment with parcel ID to the email I provided. The current technology would allow this to be done in a matter of minutes via email. Any help would be appreciated. 
Thanks, XXXX XXXX
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: FactorTrust, Inc. (TN)

I have tried several times to obtain my annual copy and the company has refused to comply. I initially tried online but was denied due to me requesting a copy for being declined last year. They stated I can not do it online but once a year no matter what the situation was. I then faxed over a copy of my utility bill and id attached and they are not stating it is not legible. They refuse to validate over the phone. They are in violation of my right to obtain a free annual copy.
Consumer complaint received 2019-05-17
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. (PA)

I have contacted XXXX numerous times about inquiries on my credit reports. I have NOT applied for a XXXX credit card in about 4 years. XXXX, back in XXXX, sent me a letter stating that they were having the 3 credit bureaus removed their inquiries from my report. All 3 are still on there and there are more from XXXX. These inquiries appear every couple of months and I have had 3 in the last 3 months
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

I have an XXXX Master.Card Account number XXXX. 
I have notified the company that my statement has charges I didn't incur, but they won't send me an accurate statement so I can make timely payments as I always have. The company has erroneously reported my account as delinquent to the Credit Reporting Bureaus!
Consumer complaint received 2019-05-17
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: Early Warning Services, LLC (NC)

I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Real Estate Broker pulled my credit and it shows that I had and account opened on XX/XX/XXXX and they reported to my credit on XX/XX/XXXX for {$530.00}. I have not opened an account with XXXX in my name or given the consent to anyone else to open an account in my name.
Consumer complaint received 2019-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AL)

I work for a public employer ( XXXX XXXX   XXXX  ) and am enrolled in the Public Service Loan Forgiveness program. I submitted documentation to XXXX XXXX  on XX/XX/XXXX ( an Employment Certification Form ) showing 95 months of qualifying employment. These months have not been credited. I have called multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) attempting for find out why this extensive amount of employment has not been credited. Each time I was told it was " in processing '', " under review '', etc. Basically, the runaround. I have also submitted documentation for an additional 11 months. 

Because they refuse to review the documentation submitted per their requirements on XX/XX/XXXX, I am unable to get relief. I am now approaching 120 months of qualified employment and should be eligible for relief under this program. 

I would like for them to review the employment certification submitted on XXXX/XXXX and credit me for those months of qualified employment.
Consumer complaint received 2019-05-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (CA)

I went to Carmax on XX/XX/XXXX and purchased a 2010 XXXX XXXX. The car came with a 90 day warranty, and the engine failed literally on the 91th day. Since the summer of XXXX, this car has been parked in my driveway undriveable since it needs a whole new engine. 

Regardless of the engine failure, I have always made my payments every single month. Approximately in XXXX of XXXX, my credit union XXXX XXXX merged with XXXX  XXXX XXXX XXXX, and it caused some problems with the routing # and account #. I was assured by the bank that I could continue to use my same account numbers to make my payments, as I had been for the entire year before. So every month I'd call CARMAX and make a payment over the phone using the same information I've been using. Well due to the merger, my payment was rejected for the month of XXXX, leading to a late payment in XXXX of XXXX. I was never notified by CARMAX of this. By the time I realized what was going on, this account was going on 60 days late and the only reason I found out was because I received a XXXX letter from Carmax. After speaking with Carmax they stated they tried to call me, but the phone number they called was entirely incorrect, it was not even close to my number. I've had the same number for 25 years, so it was not due to me changing my number and not notifying them, they simply had a wrong number and it was not my fault. As soon as I found out about this, the account was brought current. Since then, I only walk into CARMAX and make a payment physically to avoid this from happening.
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

On XX/XX/2017 I paid {$220.00} to XXXX XXXX  via debit card online ( as I was directed to do by focused recovery group, to whom the account had been turned over to for collections ). I have a receipt that was sent to my email that shows the account paid in full available for upload, if necessary. 
This information has been shared with all 3 credit bureaus as well as Focused Recovery Group. I continue to have my credit dinged every 30 days by Focused Recovery Group for a debt that was paid OVER 2 YEARS AGO! 
When I have disputed it ( repeatedly ) they drop it off my report for 30 days and then file it again so I have had to continuously dispute a debt that is not owed and furnish evidence that they themselves have acknowledged is accurate. 
This is a predatory tactic used to try exploit additional money from people that is not owed.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

After contacting Equifax on XX/XX/2019, I was told that I do not have a credit file with their company. They told me to mail them a copy of my drivers license and my social security which I faxed to them the same day. XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that they still did not have my credit on file, however when checking with other credit companies my file is intact.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY (OK)

XX/XX/2017 I stopped by XXXX XXXX XXXX to see how approximately how much a new bed would cost me. The head salesman, XXXX, took me to the beds and three other salesmen followed. I was shown the beds and told them I couldn't qualify because I had a car loan to pay first, I just wanted to know how much. XXXX said well l get all sorts of discounts and coupons because I'm the lead salesman and we can get you a really good price. I said howmuch, and he said it doesn't matter because I'll use the discounts. Just sign this and I run a credit check. I failed. So I got up to leave, I was in alot of pain and told XXXX I needed to leave. He said wait just a second, then another salesman came up and said sign this we have another place to check. This happened 3 time so I finally made it out the store.

A few days later, the bed was delivered to my house. I wasn't home but my daughter let them deliver it. 
The next thing I know, I get a bill from Wells Fargo for over {$3000.00}. First I was told Wells Fargo had declined me, which was ok by me because I wont do business with them because of their dishonest business practices and taking out credit cards you don't request. And guess what? I was sent a credit card I did not ask for. 
I called XXXX XXXX and told them to come pick up the bed I did not want it, and I said I had already told you I wouldn't use Wells Fargo because they were dishonest. 
I next called Well Fargo to tell them they needed to deal with XXXX XXXX. 
I called XXXX XXXX again and said pick up the bed within three days or I will put it on the curb. Did not hear back from XXXX XXXX, so I put it on the curb and it was picked up. I did not hear back from them nor did I hear back from Wells Fargo. 
Just an FYI the bed in reference actually sells for about {$1700.00}
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.