davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TANSUNION AND XXXX IS CONTINING TO REPORT UNVERIFED INFORMANTION ON MY CONUSMER REPORT. TRANSUNION AND XXXX NEVER HAD MY PERMISSION TO PLACE XXXX XXXX XXXX ON MY CONSUMER REPORT. I SENT XXXX  A DISPUTE LETTER AND A CEASE AND DESIST LETTER. I HAVE NEVER DID ANY BUSINESS WITH XXXX AND HAS NEVER SIGNED ANY CONTRACTS. I NEVER GAVE XXXX PERMISSION TO HAVE MY PERSONAL INFORMATION... EVEN WHEN IN DISPUTE, XXXX NEVER REMOVED THE COLLECTION ..NEVER PROVED THAT THE DEBT WAS OWED TO XXXX. XXXX XXXX HAS NEVER DID BUSINESS WITH XXXX XXXX XXXX. NEVER SIGNED ANY AGREEMENT WITH XXXX BUT YET THEY HAVE VIOLATED MY PRIVACY BY HAVING MY INFORMATION..XXXX  AND TRANSUNION HAS ALSO VIOLATED MY CONSUMER RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT. XXXX AND TRANSUNION USED UNAUTHORIZE INFORMATION TO CAUSE XXXX XXXX SUBSTANTIAL HARM AND INCONVENIENCE BY REPORTING FALSE INFORAMTION ON MY CONSUMER REPORT.
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (WI)

On XX/XX/XXXX I was shocked to discover a collection account on my credit report from Stellar Recovery Inc in the amount of {$100.00}. The original creditor listed is XXXX, an internet service provider I had business with earlier in the year at a prior address. XXXX continued internet service past the date services where to discontinue do to me moving. Furthermore, they continued to bill me for this service without ever sending me a new invoice for the charges. I never received any written communication from either XXXX nor Stellar Recovery Inc. indicating I had this balance due. Today, XX/XX/XXXX, I called and spoke with XXXX XXXX at Stellar Recovery. Despite confirming they have my correct address, he advised that they are unable to provide me with any copies/proof that any dunning letter was ever sent to me informing me of these charges. This is unacceptable. A collection company can not report a collection to the credit reporting bureaus without first sending a dunning letter advising someone their is a claim against them. Furthermore, Stellar is refusing to acknowledge their mistake and remove this bogus collection account ( even when I offered to pay the full amount they claim I owe ).
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account was hacked XX/XX/XXXX. I called all the credit reporting agencies to put a freeze on my account. I found a credit inquiry by XXXX was made on XX/XX/2016. I called and was promised the inquiry would b removed within 20 days. Well now it 's almost two months and the inquiry still show up. I would like it removed asap. 
Thanks,
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted Transunion, XXXX, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (NY)

Hi, My Federal student loans were transferred from XXXX to Fedloan Servicing in XXXX 2016 due to my application for the Public Service Loan Forgiveness program. 
To start off, my income-based repayment plan was never transferred over to Fedloan Servicing. I was told to apply for the repayment plan again. 
This morning ( XXXX/XXXX/16 at XXXX ) I received an email saying : " Welcome to FedLoan Servicing Based on your interest in the Public Service Loan Forgiveness ( PSLF ) program, we are in the process of transferring all of your U.S. Department of Education owned student loans to us for servicing. Having all of your loans with FedLoan Servicing will make it easier for you to manage your loans and track your progression in the PSLF program. '' On XXXX XXXX, 2016, I received the first email saying : " Your student loan payment is over 30 days past due. 
Contact us today to discuss your options. 
Hello XXXX : Your student loan account is a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. '' On XXXX XXXX, I made a payment which was due on XXXX XXXX : Payment Amount : {$770.00} Payment Date : XXXX/XXXX/2016 Checking/Savings Account : **** Confirmation Number : XXXX I confirmed to make sure this was taken out of my account. 
I have another payment due XXXX XXXX of about {$300.00} ( I resubmitted my income-based repayment plan a couple months ago ). 
My mother as well as my in-laws both received a call today stating that my loan from Fedloan Servicing is past due. The caller left the actual Fedloan Servicing phone number ( XXXX ). I did call this number just now and kept pressing '0 ' to be transferred to someone in customer service as I did not want to provide my account number or social security number ( I was being cautious ). 
The statements that I am receiving in the mail I believe are the correct statements. 
I have heard the Fedloan Servicing is terrible with a bad reputation and when my loans were first transferred to them, I had an awful customer service experience on the phone. I just want to make sure that this is n't going to effect my credit. I do n't know what is and what is n't a scam at this point. I do n't know if this is just them being " terrible '' or if it is an actual scam.. 
Thank you for your help
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (OR)

On XX/XX/2016 I was the victim of a phone hack ( which i didnt realize until about a month later ). Funds from my XXXX account were transferred to my Simple Bank account and then transferred to someone in XXXX using my XXXX app. there were XXXX transactions - XXXX for XXXX and XXXX for XXXX. There was XXXX additional transfer for XXXX from my XXXX card that was researched once i filed the dispute and found to be fraud and was reversed. I have been asking Simple to refund the fraud charges and they have said because they fall into a natural occurance, because one other time i used the XXXX app to pay a friend, they are not showing that it is fraud. I do not know anyone in XXXX. I have no cause to send them XXXX.
Consumer complaint received 2016-06-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC. (VA)

I bought a vehicle in XXXX XXXX, which was financed by Tidewater Finance Company. I had misgivings about the purchase and I knew it would be a very tight budget situation, but with the salesperson 's coercion, I purchased the vehicle. In XXXX XXXX, I wrecked the vehicle in a parking lot and I was responsible for the deductible to have the vehicle repaired. I was unable to make the payment for the deductible AND my car payment at that time, so I did what I had to do and paid the deductible to have the vehicle repaired. From that point forward, I have been late with my payments. I have kept in touch with Tidewater throughout all of this, but I have n't been able to catch my payments up and with some other unexpected debt, I have n't made MONTHLY payments on a regular basis. I filled out an online request to work out a payment arrangement, but I was told that the loan was too new to work out a payment arrangement, however, they said they wanted to work with me. I have been trying to make some form of payment each month, but have n't been able to make any full payments. I do, however, see my way clear to make up the past due amount on XXXX XXXX. I was in contact with Tidewater Finance on XXXX XXXX and XXXX, both by email and by telephone. They were so rude and nasty to me and have been ever since that I do n't even want to deal with them anymore. I have refused to contact them anymore other than by email. I have attached a copy of the email telling them that I am not comfortable talking to them and prefer to communicate via email so that I have a record of our communications as well as them having a record. They keep sending me text messages and emails telling me that I have to call them and that they want to work with me, however, everything that I have told them I can do has been turned down. Immediately after they turn down what I can offer, they send me another message telling me that I have to call to speak with management about an arrangement. They never let me talk to management, or rather, every rep I speak to tells me she is an account manager and every one of them have been so rude and nasty. I have made what I feel like would be a doable offer, and that is to pay all of the past due amount, on XXXX XXXX, but they wo n't accept that and they said, basically, that I should be able to do better. I am attaching email communication which I believe explains a great deal more about the way I have been spoken to.
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC (UT)

GC Services - Partnership from XXXX, Texas XXXX has been calling my family members and friends in an attempt to collect a debt. They call daily and leave a message asking to have XXXX ( me ) call them back. They told a family member that they have the number listed as an alternate number ( I have NEVER listed my family as alternate contacts ). They have called a minimum of XXXX different family members about this and wo n't stop.
Consumer complaint received 2017-01-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bread Financial Holdings, Inc. (CA)

Someone unknown to me used this credit card for a period of about 1 month. The issuer had notified me that they were discontinuing the service and I. 

When I received a statement reflecting charges I contacted the bank by phone, told them I had discarded the card and that the charges were not mine. 

Since then I have not received a response from the bank but continue to receive statements and numerous threatening phone calls. I 'm a XXXX senior ( XXXX ) on a fixed income and the continuing harassment is taking it 's toll on my well being and state of mind.
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc. (NJ)

I am trying to refinance my student loans, I was 90 days late in paying Comenity Bank on a XXXX account {$23.00}. They account now has a XXXX and Comenity has increased my credit balance. However, they put a negative rating on my credit history. I requested, in light of the fact there is a XXXX, and they increased my credit limit, to remove the negative rating from my credit. Comenity refuses to do so and this negative notation could stay on my credit indefinitely. Comenity requires a letter by regular mail disputing the negative rating. Comenity refused to provide me with an explanation of their process and what they review to remove the negative rating.
Consumer complaint received 2016-12-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

Dear CFPB, I started working on the loan modification with Ditech on XXXX and they had rejected my request, then I went to apply the XXXX California XXXX Ditech is participating lender, on XXXX XXXX I got an email from XXXX requesting supporting documents and was due on XXXX XXXX 2016 and I submitted it on the XXXX. however on the XXXX, I received a letter dated on XXXX from XXXX saying " your loan servicer has not approved your loan for participation in the XXXX program. ''
Consumer complaint received 2016-05-24
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Blackhawk Network Holdings Inc. (NY)

On XXXX XXXX, 2016 I submitted a bill payment for {$990.00} to a merchant through the reloadit safe ( www.reloadit.com ). When setting up the payee information, I entered the wrong account information. When the payee received the payment they could not match the account number and returned the payment to Reloadit ( through Reloadit 's vendor XXXX ). I have been trying to work with Reloadit and their parent Blackhawk networks since that time to get a refund. On XXXX XXXX I was told that the case had been resolved and they would mail me a refund check in 30 business days. After several follow up calls, on XXXX/XXXX/16 Blackhawk said they would resubmit a ticket and it could take 30 business days to resolve.
Consumer complaint received 2016-12-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Glass Mountain Capital, LLC (AZ)

My family members have been receiving calls wanting my credit card debt paid. I try to call back the number and no answer. On XX/XX/2016 Glass Mountain Capital LLC sent an envelope to my mothers house asking for the debt to paid on my XXXX card. In this envelope they had numerous papers with all of my family members phone numbers, addresses, and social security numbers. There was also no XXXX bill in the paper work only a XXXX one. Both of these cards have been paid off years ago. 

They have no proof, yet requesting money and harassing my family. Along, with obtaining sensitive information.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KY)

I am writing to dispute the following information in my file. I am requesting that the Late Payment be deleted to correct the information. I have never been late on my account. 
Sincerely, I have been a loyal client of XXXX. I have had no problems with the service until a late payment was reported to me report wrongly, in XXXX, due to a banking error. My credit report shows a 30-day late payment in XXXX 2015. However, I was not late. I have enclosed copies of my statements. Per XXXX policy accounts ca n't be reported late until 60 days. My account was not late. I was given wrong information from to make a payment of {$48.00} in XXXX to bring account current. That was done. Please correct this as soon as possible. Thank you,
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I applied for auto financing with XXXX different entities in XXXX 2016. TransUnion is counting all of them as a hard inquiry instead of counting them as XXXX as required by the CFPB. This is showing a XXXX point drop in my credit score.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

Commenity Bank I have made monthly payments but because I was a few days late they have tacked on excessive fees. Regardless that I am trying to pay they call my phone every day 5-7 times daily. It doesn't matter if it's the weekend, a holiday, no matter the hours from several numbers listed under their company name. 
For example From XXXX They called at today @ XXXX. XXXX From XXXX They called at XXXX This is excessive. I am paying them and can provide documentation to support this but I feel harassed and threatened. I feel violated from excessive phone calls I have attached some screenshots of some of their e cessive calling.
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (TX)

I had to recieve a transfer in amount XXXX on XXXX XX/XX/2023. I have tried to contact my banking services several times and they're not responding. Till this date we did not receive a compatible response from them. We need our funds and it is requested to notify Wise XXXX  XXXX about this complain. 
>We are using Wise XXXX  XXXX  formally TransferWise for our banking services. 
>Our clients company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I BEGAN to prepare HELOC applications, with XXXX and XXXX, XXXX 2016. I have a XXXX HELOC and am in the pay off stage ; and I 've paid off my mortgage with XXXX. I have been a XXXX customer for 35 years. Both XXXX and XXXX pre-approved me for HELOCs. 
At the very same time that I began to apply for XXXX and XXXX HELOCs, to compare offers, I began to receive credit cards, and requests for additional aplication information, from several banks. I placed a fraud alert with all XXXX credit reporting agencies, filed an FTC report, and I 'm speaking to the banks and non-financial companies offering cars or requesting additional information directly with the non-financial companies alerting them that this was identity theft, all the cards and applications were fraudulent, and asked them remove any hard inquiries that appeared on my credit reports.
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I have a collection account that has been placed on my credit report that I have been disputing for over 5 months to get this entry removed. I have spoken with numerous representatives, supervisors, and numerous managers in regards to this erroneous collection and I have yet to get it resolved. I have sent numerous disputes in which I am currently waiting on results. I called and spoke to a representative and inquired how Equifax verifies collection accounts. I want to know this because the account keep coming back verified as mine. I asked the representative to please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the collection account. The representative stated he does not have to disclose how he verifies my collection. I have sent numerous Debt validation letters to the collection Agency, and letters to Equifax certified and return receipt and I have not received a response. Here are some recent letters I have sent to both the collection agency and Equifax. This information was also shared illegally through a ( third party ) without my informed consent
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (PA)

I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted XXXX, XXXX, and Equifax about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MD)

I am having significant issues with the seven year fraud alert the credit agencies are to use once you have been a victim of identity theft and filed charges. After the alret was placed on my SSN - The same person used it again ( after the alert was placed on the account ) to apply for a job. The credit agency - EXPERIAN - shared my personal information with XXXX ( background check ) - who then sent a copy of my information to XXXX XXXX XXXX ( job applied for ) and the applicant. The alert did nothing to prevent this from happening or protecting my confidential information. When I called and spoke to XXXX XXXX and Experian its like kindergarten - no one did it. Experian not only provided this company with information but the theft used his own name and they sent the information to XXXX with AKA ( my name ) - like we are the same person! After I had gone through all the phone calls, getting the security alret on my ssn, police reports, court appearance etc.. and they still did nothing to protect my information. They actually helped him do it by stating AKA ( my name - and im a female! ) As a victim of identity you should not be treated like an criminal or an idiot and thats exactly what Experian ( especially ) has done. I called Experian and spoke to several people - passed from person to person and no one had an answer - they also lack good customer service.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

On multiple occasions, I have requested that Experian remove or " block from appearing '' a fraudulent account from XXXX XXXX XXXX. Per FCRA guidelines, this should have been blocked within 4 days because this is a situation of identity theft. I have sent them a police report, explanation of events, and proof of military service which showed I was a victim of identity theft while XXXX. They refuse to cooperate and remove the fraudulent item repeatedly. Experian shows an extreme neglect for the situation. I have gone as far as to have the police officer themselves call Experian to request the removal. They continue their refusal to comply. The fraudulent credit card from XXXX XXXX XXXX is causing me significant emotionally and economical damages and I will file suit as so if this is not immediately resolved. 

I have provided more than enough information and Experian not only refuses to cooperate, but they have not provided ANY documentation as requested that they properly investigated the fraudulent account. This is another violation.