davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
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. (FL)

My report numerous addresses, phone numbers, and businesses that are not mine! I also see that there are numerous hard inquiries on my report from different companies that had no permission to do so. I have multiple inquiries and accounts that are fraudulent and the information is incorrect and not in connection to my name. I called all three bureaus and asked for the information to be removed and deleted from my records and report for theyre incorrect and I will see into doing a identity theft report!
Consumer complaint received 2017-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have boxes full of communications from  XXXX  yet although I have been in touch before they continue to claim they can not process my requests continually asking for varied forms Of ID - as if that would stop a crook! My opinion is they have numerous delay tactics such as you can not get through via internet or phone and certainly this! In my opinion they are complicit in the lowering of credit scores not only for me and mine but all Americans having the protection of saying they have nothing to do with anything they just report! If so who do they SERVE the consumer or the lenders! Furthermore I have in writing multiple correspondence stating fraud alerts were placed on the accounts by all  XXXX  agencies, removed by Transunion prematurely and then put back and after that failed I finally placed a worthless security freeze which theycevidenyly ignore or do not know of! Secure my credit from ME!
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (MI)

I have had several incidents with  Key Bank  where they take the debits before the credits on the same day. As I have looked over my statements, they have done this for years, I just did not know the law. When I caught this finally in  XXXX  o f 2017 th ey refunded  XXXX   ( 3  XXXX   XXXX  ). Yesterday it happened again, a deposit and check on the same day. It appeared online as they both went through yesterday a deposit of  XXXX  and a check of  XXXX . They charged me  XXXX  fee. I deposited at  XXXX  ish and the check had not yet went through. They said its all timing. So my total deposit was n't ready until this am and the check went through sometime after  XXXX   XXXX .     I called corporate and talked with  XXXX  who told me I have to try and get the refund back from my local branch.     Completely frustrated.
Consumer complaint received 2017-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (VA)

On or about  XX/XX/XXXX , my brother paid my car payment out of his   XXXX   XXXX   XXXX   Account in the amount of {$230.00}. The payment cleared his account on XX/XX/XXXX  payable to  XXXX . Shortly after that I checked my   XXXX   XXXX   Account to discover that on  XX/XX/XXXX , Bridgecrest debited my account in the amount of {$220.00}. I contacted Bridgecrest and they informed me that they had no record of the   XXXX   XXXX   Payment and that they did not automatically debit my account because I was no longer set up for automatic debit. I called   XXXX   XXXX   and was told that Bridgecrest did do an automatic debt. They informed me that the transaction was a ACH transaction which means that the payment was automatically debited. Bridgecrest still insist that they did not debit my account. I was told to fax the bank statements to them, in which I did, and that someone would look into it and contact me. To date, that has not happened. They have called me every other day about making a payment but no one has contacted me about resolving this issue. In one conversation I have with a rep who called me about my payment, she said that she did see both payments but because I was behind one of the payments were applied to the previous cycle. I informed her that I was not behind on my payment, therefore I should have an extra payment
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom  it may concern, I have sent correspondence to all three credit bureaus regarding public reco rds ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as the parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Funding LLC sent me a summons of an alleged debt that I never obtained. I was given a summons to appear in court on  XXXX   XXXX ,  XXXX  in which I went to file a notice to appear. I had no days off of work to attend the actual court so I call ed Midland Funding and  stated that I did not own the debt and how could this be resolved. It was stated to me that I must agree to make a payment in order to have the case dismissed in which I did because it was stated to me that my bank account or wages would be garnished if I failed to do so.     In their summons and my previous complaint it was stated by them that the dates were in fact true and that they made no mistake nor did they falsify any documents. I have attached the entire summons report along with portions of the summons tat have been either falsified and/or altered. If you take a look at their Bill of Sale dates specifically in Exhibit B, you will see that the agreement between  XXXX  an d Midland Funding agreed  to a sale of accounts on  XXXX   XXXX ,  XXXX . Then take a look at the last page of the summons and you will see that the alleged account was not charged off until  XXXX ,  XXXX  of  XXXX  .There is no  way that this could be true. To go long with that on the very same page the the origination of the alleged account with  XXXX   XXXX  was  XXXX   XXXX   XXXX  with a payment date of  XXXX   XXXX   XXXX  that myself or banking institution has any record of.     If this an is an alleged account it would still be within the billing cycle because the card would have just been issued so at what point would a consumer default? So basically t heir Bill of Sale i s that of a date when the alleged account would be still current, therefore this is fraud and that is not good business practice. I have attached the summons which is also court documents. i also received a response from  XXXX   XXXX  stating that they were unable to locate any past or present accounts.
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I signed up for the Bank of America  Fundamentals Business ch ecking account with a promotion of {$200.00} after terms were met. I confirm that the terms were met, but Bank of America only award me {$100.00} for this effort. When I inquired why, they mentioned that merchants services needed to be used to get the full {$200.00}. This is not mentioned anywhere in the terms, which you will find attached. When I pointed this out, customer service disconnected the call.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (CA)

Student loans transferred on  XX/XX/XXXX , {$13000.00}. Utah  Higher Education Assistance Authority  added ( {$13000.00} ) to my outstanding balance above. See attachments. All  four  loans fixed interest rates are   XXXX   %.   1.  XX/XX/XXXX -balance {$2000.00} ( monthly payments ( {$31.00}  )  unsub loan 2.    XX/XX/XXXX -balance   {$2200.00}  ( monthly payments ( {$33.00} ) sub loan 3.    XXXX  - balance {$4500.00}  XXXX   monthly payments ( {$63.00} ) unsu b loan 4.  XX/XX/XXXX - balance {$2400.00}  ( monthly payments ( 37.05 )   sub loan Monthly principal payments on each individual loans plus the accrued interest is added. Paying more towards each principal balances are not being applied correctly towards all four loans. There 's know way my accured interest is higher then each individual loans. They are applying my extra principal payments towards interest that I have not been accured yet. I have repeatdly ask them to correct my payments and apply my principal payments to the principal balances. My  XXXX  payment in  XXXX  of {$340.00} was applied towards interest and not towards my principal balance. On  XX/XX/XXXX , I wanted to pay off loans (  XX/XX/XXXX  unsub ) and (  XX/XX/XXXX  sub ) I was told I could not pay off my student loans individually in full and that the payment would apply towards the entire balance. I toldd them that I had the right to pay off my small loan balances. The representative said its their policy to split my monthly payments towards each loans and that if I paid both those dollar loan amounts it would not be applied towards thos e two loans  but split payments towards all loans leaving both loans outstanding balances. Where does it say or state that a graduate student is n't allowed to pay off some of their multiple loans? Also I requested that my standard repayment pay off debt be changed from  XXXX  to  XXXX  so that these loans could be paid off sooner. Also refusing to send me copies of all paper work they received from  XXXX . I have not received any statements they received that itemized my all my payments since  XXXX - XXXX . Overall, my monthly payments are not being applied correctly and monthly accrued interest is being over paid when I have not missed any payments since Utah  Higher Education  Assistanc e Authority a ssumed my  four  students loans.
Consumer complaint received 2017-04-25
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. (NC)

i wrote Transunion about an error on my credit report causing an alarming increase in a rate quote for a mortgage I need.   Transunion wrote me and said they could not verify my identification, so I called them and cleared that up. They said they would look into my issue and let me know what they find.   My loan officer pulled my report yesterday and it is still there, Transunion has done nothing.   Note ; the other credit bureau wrote me and agreed with me, they deleted it.
Consumer complaint received 2017-06-15
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: CAVALRY INVESTMENTS, LLC (TX)

On XX/XX/XXXX, Calvary Portfolio Services ( as Assignee of XXXX XXXX XXXX XXXX ), reported that I owe {$8700.00}. It also shows date of first delinquency of XX/XX/XXXX..The first I knew of this claim was AFTER XXXX had assigned the account to a collection agency. I have be in regular contact with 4 different collection agencies, asking each one of them to please send me something showing what the basis of this claim was. Credit card charges, etc. Each one of the agencies said all they could provide me with was the last 6 months of statements, which only showed a balance forward, more interest, and the new balance. A couple of the agencies offered to " settle '' for {$500.00}. But I have no idea what the claim is for, so I 'm certainly not paying until they can tell me what it 's for. ( Please see attached time line of my when I was in contact with each of these agencies ).  You can look at my credit history. In addition, on XX/XX/XXXX, XXXX send me a letter saying my account was compromised ( Letter attached ). XXXX has now sued me in an attempt to collect this money. Please review my credit history as well, as you can see I have never been late or failed to pay a bill EVER. We pay our bills timely EVERY MONTH. I am disputing this debt and ask that you investigate this claim and request that the creditor, Calvary Portfolio Services, provide solid information as to the charges that form the basis of their claim. 
***PLEASE ALSO NOTE THAT XXXX NOTATED WHEN THEY REPORTED THIS " DEBT '' THAT I HAVE DISPUTED THIS CLAIM
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

According to the duration of my payment it suppose to en d      XXXX   XXXX  /2017  . I noticed that I have late payment which resulted into late fees. I paid the accumulated late fees plus the all payments.My last payment was on the date mentioned above. I called the company ask why you wanted me to pay the principle although all monthly payments are made If there late fees i paid how come you charge me towice the late fees and the principle they said I have to pay the principle or they will not release the title anyway I told I ca n't pay the late fees and the  interest .the compa  ny is Santander USA .
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GATEWAY FIRST BANK (TN)

Gateway Mortgage is state that my mortgage is behind in the amount of {$5300.00} which is not corrected. I have send two certified letter to this company asking them to provide detail of alleged debt and how it was calculated according to FDCPA. It has been 30 days and still no response. i have taking every measure under the FDCPA to get them vaild the alleged debt owe but still no response. I truly need your help with this matter. 

Thanks XXXX XXXX XXXX Cellular
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

My loan balance does not seem to be going down at all and I 've been paying in it for almost 10 years now. The interest is ridiculous. I 'm a single mom, work full-time, did n't finish school, my fault because I got pregnant and ran into hard times. But I still do n't think I should be struggling to pay off this loan. They are making money off of me, that 's for sure. I understand everyone and businesses need to make money, but this is a little out of hand and ridiculous. It would be nice if they would wipe away my loan debt and use it as a charity write off .... please!     Thanks!
Consumer complaint received 2017-04-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NC)

I have been disputing this for over a year now. I have letters from  XXXX  of   XXXX   that was sent asking  XXXX   XXXX  an d Citi Financial to se nd me a payment history, which they refuse to send because th e SOL in North C arolina have ran out and they are re-ageing the account to add a negative report on my credit report.  XXXX  has removed it because they would not verify the information. I 'm still disputing it with  XXXX  who refuse to send me the verification as well. I 'm  giving both NCB management a nd  XXXX   XXXX  15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history
Consumer complaint received 2017-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OH)

On   XXXX   XXXX  , I attempted to send money to a friend in the  XXXX  through  Western Union , as I have done several times during the past year, with no problems at all. I have a online account set up with  Western Union,  never a problem, till this time. The transaction was for  XXXX  dollars plus the {$4.00} fee. They take my money from my bank account, then inform me my transfer is put on hold, pending me sending them a copy of my  pic  ID and other info, thru a fax or email with attachment, I do n't have a fax machine, or a way to upload a  pic  of my ID to an email. My friend needed the money right away, so I sent it to him by    XXXX   XXXX     with no problems whatsoever, I called  Western union  to cancel the transfer with them and to get a refund to my bank account, they refuse to do it, they STILL want the  pic  ID sent to them anyway, I talked to them 3 times, and also went to a branch office to no avail, it is MY money, I want it refunded, they have stolen my money and wo n't return it. I am on a low fixed income, I NEED the refund. Please, please help me!!! The tracking number on the transfer is  XXXX   XXXX   XXXX
Consumer complaint received 2017-04-25
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: JPMORGAN CHASE & CO. (IN)

In  XXXX   XXXX  an agreed rate was established for nightly hotel rate with  XXXX   XXXX   XXXX ,  XXXX  Texas. The rate was {$88.00} per night plus taxes through the end of the year. The charges were all made correctly until the last week in   XXXX   XXXX  , checkout on   XXXX  . I checked in and immediately noted the rate was wrong and indicated as such on the checkin document signed. I was told by the hotel during my stay and upon checkout that the rate would be corrected. The rate was never corrected and the accounting/front desk manager  XXXX  never responded to me during the stay or subsequently. I filed a dispute with Chase and  XXXX   XXXX  sent the document showing that I clearly noted the correct rate and a document showing the incorrect charges. I am attaching numerous weeks prior showing the correct rate and the documents that were sent to Chase by  XXXX   XXXX .  Chase  merely ignored the documents sent to them by  XXXX   XXXX  showing that the rate was clearly wrong and that  XXXX  would resolve. At the end of the day, Chase did nothing about the dispute.
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group (MI)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Twice ), XX/XX/XXXX, XX/XX/XXXX- Blocked their number, they somehow contacted by after blocking it - No amount was discussed and no names were mentioned, they just keep trying to contact me without sending any written notice or amounts - Call is from " XXXX XXXX XXXX ''
Consumer complaint received 2017-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attempted more than  10 time s thru the last year to get my credit reports from all  XXXX  credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get  S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress,  ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.
Consumer complaint received 2017-04-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advanced Professional Group (VA)

I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on  XXXX  but they said it had to be in  XXXX . Someone from APG called and blocked their # and said call  XXXX , they were with  XXXX  County and were going to serve me with papers tomorrow between  XXXX  and  XXXX  and I must have a valid government issued ID. I called  XXXX   County Courts ( Civil and Circuit ) a nd asked if they had any cases with my name, they both said no. I called the  XXXX  number and asked who it was they said APG, I asked why there were representing themselves as  XXXX  County and they said they were retained by   XXXX   XXXX   but now the case has left their office and I better pay   XXXX   XXXX   before they take further legal action. I 'm sure I have paid them way more then the original principle.