davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card, auto loans, personal loans, insurance policy opened at 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-06-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jonathan Neil & Associates, Inc (CA)

This debt is in regards to my XXXX vehicle insurance and assigned to a collection agency. On XXXX/XXXX/XXXX my vehicle was recovered by the lender because I was no longer in a financial position to pay as I lost my job around XXXX of XXXX and I began to receive unemployment benefits. I called XXXX to cancel my insurance policy and remove me from the recurring payment system but it seems that they failed to do so. I also moved from the home XXXX had on file. My home address was never updated either even though I called a local XXXX office to make them aware of a change of address. Recently I started to receive all the mail that was being returned to XXXX. If they would have updated my address I probably would n't owe the amount the collection agency is attempting to collect. The collection agency is attempting to collect a debt that is not valid. My XXXX XXXX XXXXXXXX XXXX was no longer in my possession, therefore, I did not need coverage. I made XXXX aware of my vehicle being taken away from me and requested to remove this vehicle from my policy. According to XXXX I am being charged all the way to XXXX XXXX XXXX but my vehicle was taken XX/XX/XXXX. I should not have to be responsible for insurance coverage on the XXXX XXXX XXXX. I need assistance resolving this matter with the collection agency.
Consumer complaint received 2017-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XXXX XXXX - XXXX XXXX was XXXX and was lowered to XXXX during XXXX - XXXX XXXX. The most recent score for XXXX XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XXXX XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.
Consumer complaint received 2017-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (AZ)

This company has the wrong address on file for me. It was an attempt to collect a Co-pay from my insurer. They did not notify me appropriately of any debt owed. They did not send the bill to the address on file with my insurer. It alerted on my credit report and that is how I originally found out about the debt. When I called the company to resolve they admitted they sent the letter to an address that does not accept mail. It was returned to sender and there w as n further  attempt to contact me. Ive offered several times to pay the debt in full but they are refusing to delete the delinquency off of my credit report once ive paid.
Consumer complaint received 2024-11-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

Since the beginning of XX/XX/XXXX I have been in a relentless battle for the recovery of fund 's upon the closure of my Citibank savings account. Literally from talking with customer service over the phone to visiting at least 2-3 branches in XXXX XXXX , NV. I can get no where with them and they refused time and again to pay me back the money owed upon the closure of my account due to suspicious activity of my account related to fraud only they have absolutely no evidence I was responsible or to be found at fault as they have alluded in relation to our partnership. My cell phone number has recently changed to XXXX could someone please contact me so that I am aware of how to get my money back from them. It's been a very long time for someone to be owed {$2000.00} without a reasonable explanation as to exactly why and how can I help aid in the process of recovering my funds owed to me. They should be penalized as well as pay the interest accumulated upon holding my finances away from me. Institutions such as Bank 's should be held to the highest of standards in relation to other forms of service to the public especially regarding our hard earned money we are kept hidden from us with no clear end insight. As far as I am concerned the fund 's should be directly electronically deposited into my active Checking account with XXXX XXXX ASAP. They also should be fined {$100.00} daily everyday after they reach a 2yr period having denied previous customers like me there money. I'm a poor person living off my XXXX each month and have been homeless the past recent years gone by so it's been a long hardship having my day 's without money and able to pay for an apartment simply because they decided to hold indefinitely what could easily have been 1st and last month rent, but forced to stay in the streets because the incompetent nature a big corporation such as Citibank deserves to be held to the responsibility of an ex-client with no answers or fund 's in sight since at least XX/XX/XXXX to present day. This is unacceptable and should not be allowed further to myself or other 's.
Consumer complaint received 2017-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

In XX/XX/XXXX my loan at the time should have been in deferment and i was told that it will be update. So I ran my credit today XX/XX/XXXX and my credit report shows a negative stating my Payment history guide shows 60 days past due as of XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX which is hurting my score and I cant get a home loan or life insurance policy.
Consumer complaint received 2017-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Home Loan Center, Inc. (CA)

This is my second complaint. First one was initiated in XX/XX/XXXX, which Lending Tree responded XX/XX/XXXX : Complaint XXXX XXXX XXXX ) Lending Tree 's XXXX XXXX response was false. <P/>2 ) As of XX/XX/XXXX, the balance of {$8900.00} still appears 3 ) They fail to mention, they used the wrong account number in the XXXX XXXX account. <P/>4 ) They also failed to mention the all the other payments that made the account up to date. XX/XX/XXXX payment made XX/XX/XXXX for {$1200.00} 5 ) XXXX payment made XX/XX/XXXX for {$1200.00} 6 ) XX/XX/XXXX Payment made XX/XX/XXXX {$1200.00} ( after they had the wrong bank number ) 7 ) On XX/XX/XXXX a payment of {$8900.00} was made to pay off the account due to their not allowing us to send a check saying they could not guarantee it would arrive or be posted on time, regardless of how early it arrived. <P/>As a result of these payments, over {$12000.00} in payments within 90 days. They still have the balance and are calling this account 30 days late. This needs to be removed immediately or I will file a civil suit. <P/>PS - Your system was very difficult to use and only now was I able to see the response for the first time and respond. thank you for fixing the password issues.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My credit card had over 20 fraudulent charges at several gas stations in Florida. I immediately called Bank of America to have the card cancelled and the charges reversed, which they did. A month later, the charges were back on my card. Bank of America said they will reopen the case, but they said the investigators are arguing they are valid charges.
Consumer complaint received 2017-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

To whom it may concern, Navient/XXXX XXXX have been servicing my student loans for many years. Beginning in XX/XX/XXXX/XX/XX/XXXX - I began my college career and did so with the help of student loans. My grandmother, who was a XXXX, co-signed a student loan for my sophomore year tuition, a $ XXXX loan disbursed XX/XX/XXXX. This same loan now has a current balance of $ XXXX some 15 + years later. My loans are in good standing and have been on autopay for some time. Throughout the life of my student loans, I have repaid well over $ 60K. <P/>What 's troubling is that through various points throughout, status of these burdensome and variable rate loans have had an impact on my financial viability and credit reporting. I am in active contact with my United States Senator 's staff regarding this topic and suitable actions moving forward. I feel misled and boxed in to endless monthly automatic payments with no end in sight. <P/>My pursuit was XXXX XXXX initially with my career, studying XXXX XXXX and then XXXX XXXX. I have spent much time in the XXXX XXXX however, post-XX/XX/XXXX financial crash, XXXX XXXX XXXX jobs became very difficult to obtain and hold. As an example, working for a XXXX in CT beginning in XX/XX/XXXX, my position each year had an evolving status of full-time, part-time, and then finally position eliminated due to budget in XX/XX/XXXX. <P/>I am looking for thoughtful and compassionate solutions that will ultimately lead to much forgiveness on the remaining loans at hand.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USA a determined my vehicle to be a total loss and agreed to pay me over {$8000.00} for the loss But it took them eighteen months to pay me During that time I incurred a XXXX XXXX dollar balance on my Credit card That I was only behind on 2 months with the same company USAA. I have since paid off the balance on my credit card, but as a result my credit has been damaged Because they took a long time to pay me so I wasn't able to pay them Until they paid me first. Not only that, but they reported my lateness to the credit bureaus and it was not even in collections.
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

This debt is originally from  XXXX   XXXX  and it was opened i n  XX/XX/XXXX  it w  as then closed and transferred to Midland Credit Management in  XX/XX/XXXX . The  amount being reported across my credit report is fro m Midland Funding and Midland Credit Management is   $  XXXX  {$880.00}. I have tried several times to reach out  to Midland Credit Management in regards to this debt in requesting for proper VALIDATION of this debt, as I know that I DID NOT open a credit card account wit h  XXXX   XXXX . I have only received copies of statements for this debt but nothing has been sent to me with my signature authorizing this account . Midland has since been reporting under both names Midland Funding and Midland Credit Management across my c redit reports.
Consumer complaint received 2024-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (TX)

My mortgage company is Freedom Mortage, XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States On roughly XX/XX/2024, I paid for my mortgage online at my mortgage company 's proprietary website, myfreedom.freedommortgage.com. 

Several days later, I noticed I had been double charged for my payment. Two payments for the exact same amount were withdrawn from my checking account on the same day. 

The double charge was devastating for my family. After our Freedom Mortgage withdrew the double payment, we could not afford to pay for groceries. I called the mortgage company and my bank. The mortgage company started a four-day reversal process. 

On about XX/XX/XXXX, Freedom Mortgage returned both payments to my checking account for my XXXX mortgage amount. I called Freedom Mortgage to confirm this, and they told me that I had to make a payment for XXXX because they had returned both payments. I went online to make my payment again On XX/XX/XXXX, I found out I had been double-charged for the second time this month. I called Freedom Mortgage to resolve this issue again, and they have no mitigation for the recurring issue, they told me that I simply paid twice for my mortgage.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Not sure where this debt came from. I have no idea why Im being charged {$420.00} dollars from XXXX XXXX XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given XXXX XXXX XXXX  permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within XXXX days of receiving this
Consumer complaint received 2024-11-16
Product: Credit 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: CITIBANK, N.A. (NY)

I was robbed of my phone while walking down the streets in XXXX. The thieves exploited every single mobile application and credit cards affiliated with XXXX XXXX on my phone. Upon learning of the exploitation, I immediately notified all of my banks and asked to cancel the credit cards- Citi bank among one of them. 

After the initial report, the pending transactions were never removed from the account. When I called the bank to check in a week later, I learned that the fraud report was never filed. Despite the frustration, I answered the same questions and filed the report. 

Nearly after 30 days, I received a report that my credit score dropped XXXX points because of these fraudulent activities. When I called the bank again to check in, to my surprise, the fraud report was never filed and the investigation had never been started. 

This is a clear violation and negligence of Fair Credit Billing Act and Truth in Lending Act. I asked the bank to remove the disputed charges while the investigation is in progress, the bank rejected my ask. I wish this issue can be rectified as soon as possible and the bank fulfills its duty and obligation to fix my credit score, which suffered a damage that it never deserved.
Consumer complaint received 2017-06-28
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. (IL)

On  XXXX / XXXX /   2017  I sent to TransUnion a certified letter attached below to dispute the accuracy and reporting of a bankruptcy they show on my credit report. They signed for this letter on  XXXX / XXXX / 2017  and responded with a return letter on  XXXX / XXXX / 2017  they hire a third party company " to check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. '' TransUnion has not disclosed this " third party '' company. They still continue to report on my credit report that the ILLINOIS  Federal Court  -  XXXX  is reporting the bankruptcy. This is not accurate, I have obtained a letter from the  Court Clerk whi ch is attached below. Also the address listed for the court is incorrect on the credit report as well. The court does not report bankruptcy 's to the bureau 's.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

[ THIS IS A RESUBMISSION OF COMPLAINT NO. XXXX, FILED AGAINST XXXX ON XX/XX/XXXX. ] On XX/XX/XXXX, we refinanced a home with USAA ( d.b.a. XXXX XXXX XXXX XXXX ). Because we just today sold the home and pulled out some old paperwork, we realized we were never contacted by USAA after we complained during the closing that we had never obtained a Good Faith Estimate. Thus, when the HUD-1 arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing  documents that a GFE had not been received, and that she would speak with the lender about it. ( The lender also said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.
Consumer complaint received 2017-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I am overpaying the property taxes on my home. I have contacted, ( called-over 20 times ) and emailed ( 10 times ) the reconsideration received from protesting my local county office regarding property taxes. I was advise to upload the documents on my loan servicing website and each time they said they did not receive it. Spoke to a Manager who told me to email to her directly and still they say they did n't get it. I 've now emailed the manager 5 times. Each time I call to speak to the manager she just left. Manager XXXX XXXX. I 'm paying {$200.00} a month overage.
Consumer complaint received 2017-06-28
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 — Investigation took more than 30 days
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NH)

On XX/XX/XXXX I sent correspondence to One Main Financial ( aka Springleaf ) via certified mail which they received on XX/XX/XXXX @ XXXX. In my correspondence I requested verification of a debt in which they claim was charged off in my name in the amount of {$7000.00}. I have not received original documentation verifying this debt. Additionally, upon further investigation, I retained copies of my credit report and as of XX/XX/XXXX One Main Financial ( aka Springleaf ) had not updated my dispute on my credit report within the time required by federal law under section FCRA, section 623 ( a ) ( 3 ) and therefore have violated my rights. A second letter was sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX @ XXXX by One Main Financial ( aka Springleaf ) addressing my concerns with the validity of said debt and inaccuracies being reported. I received a response on XX/XX/XXXX ( 70 days after my initial letter and 36 days after my second letter ) that it would take an additional 30 to update the information. In this same letter, they also failed to provide me with the original documents I had requested to verify the debt in my original letter dated back in XX/XX/XXXX. The last and third certified letter I sent was on XX/XX/XXXX and was received by One Main Financial ( aka Springleaf ) on XX/XX/XXXX @ XXXX. I requested the same information as the second letter and requested the inaccuracy on my report be deleted due to non compliance of FCRA, section 623 ( a ) ( 3 ). It is now XX/XX/XXXX and to date I 've no resolution, my rights have been violated under the FCRA, section 623 ( a ) ( 3 ), and One Main Financial ( aka Springleaf ) continues to report inaccurate information to all XXXX and XXXX. <P/><P/>In addition to the complaint above, personal and sensitive information was shared with someone else claiming to be me on XX/XX/XXXX at XXXX XXXX XXXX eastern time. I was told by the Executive Office of Customer Care they were of no fault of this even though there respresentative, XXXX XXXX was employed and calling on their behalf.
Consumer complaint received 2017-06-28
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. (GA)

I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX XXXX XXXX  X/XX/16