davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I purchased a credit report from TransUnion online for advertised price of {$1.00}, charged to my XXXX XXXX XXXX XXXX card. Upon receiving my XXXX bill this morning there was a charge from TransUnion, in addition to the {$1.00}, of {$19.00}. I called TransUnion, whose representative insisted I was liable for this additional charge because I did not " cancel '' within 7 days of ordering the credit report. ( While the representative did agree to cancel my " subscription '' for any future months and to send me a confirming e-mail, I have not yet received any confirming e-mail from Trans-Union and am concerned they will seek to impose this charge in future months. ) I saw nothing on the TransUnion website imposing this alleged additional monthly charge or any obligation on my part to " cancel '' within 7 days of the date [ XXXX XXXX, 2015 ] I ordered my {$1.00} credit report. Looking at TransUnion 's website as it exists today following my unsatisfactory call with TransUnion, I did see this proviso there in small print and not presented in a way that most people would notice. My perception is confirmed by the large number of similar complaints against TransUnion on the XXXX website and by my conversation with XXXX XXXX XXXX, who advised me they have received many complaints about this TransUnion practice from their credit card customers. 
The deceptive sales tactics of TransUnion are obviously designed to mislead consumers and to evade TransUnion 's legal obligation to provide an annual free credit report and/or limiting the amount of money they can charge to provide a credit report. I contacted TransUnion for my credit report on XXXX XXXX immediately after receiving a letter from XXXX XXXX that my personal information in their system had been stolen by hackers. TransUnion first refused to send me the free annual credit report, to which I am legally entitled, online, because they were not satisfied with the answers I gave online to palpably obscure and misleading questions supposedly designed to ensure I was actually the individual in question entitled to the report. However, TransUnion was willing to and did send me my credit report online when I went on their website an hour later and agreed to pay them {$1.00} for it per their deceptive offer. ( In the latter instance, unlike my initial application, I was not asked any obscure questions going back XXXX 30 years. )
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

On Monday XXXX XXXX, 2015 i have been trying for hours to have someone at Experion assist me with items that appear on my credit report in a negative way. The website does not allow you to dispute any items, gives you a message to call XXXX #, you speak with someone and the leave you on hold and never come back on the line.I want them to clear my report of all negative items as soon as possible. Experion keeps transferring me around and no one will help.
Consumer complaint received 2015-04-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (CA)

I have had an account with DriveTime for over year now since XXXX XXXX, 2014. Since this time I have made monthly on-time payments via direct debit from my checking account. These on-time payments are not being reported to any of the credit bureaus. I 've contacted DriveTime about this issue and they told me they were having a dispute with the credit bureaus and once this was resolved my account would be reported. They also sent me a letter stating it would be corrected. As of today 's date this is still a problem and is causing an issue for me.
Consumer complaint received 2015-04-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

A debt regarding an emergency room visit for my minor daughter. The debt collector is a third party collector and is not certified in medical billing and insurance. I have no knowledge of the original hospital attempting to collect this debt. All information in this complaint about the debt and company attempting to collect it was provided by XXXX and XXXX via phone. 

Sequence of XXXX called me on XXXX/XXXX/2015 at XXXX XXXX CST using the number XXXX. I informed her that I was disputing this debt. I requested the mailing address for certified mail disputes. She refused to give me the mailing address for dispute resolution until I asked her XXXX times. She stated [ my daughter 's ] insurance company was XXXX XXXX. I informed her that [ my daughter 's ] insurance company is XXXX and that XXXX XXXX is her doctor 's clinic. She then requested [ my daughter 's ] insurance information. I refused to give it to her. She then hung up on me. I was unable to obtain the account number or other information regarding the debt. 

I then called the number XXXX back at XXXX XXXX CST and spoke with XXXX. She gave me the account number and confirmed the address stating that it was a payment center address. I asked if it was for disputes, and she confirmed that I should send the dispute there. I informed her that I was disputing my debt. She then stated she would mark my account " as refusing to pay ''. I informed her that I was not refusing to pay that I was disputing my debt via certified mail, at which point she hung up on me. I was unable to obtain further information on the debt. 

A certified letter of dispute and cease and desist has been mailed to the address provided by XXXX.
Consumer complaint received 2015-04-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

I have been set up with Navient ( formerly XXXX XXXX XXXX in the automated debt repayment program since 2013. Most recently when it transferred to Navient I had to re-enroll in the program and my payments began in XXXX with Navient. Just recently I learned that Navient has been reporting to XXXX stating that I have a delinquent account with them. On their website it shows that I am past due over {$380.00} when in reality I have made ever automated payment on time since Navient has taken over.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (CA)

I cancelled my American Express card after they allowed a third party to bill me for a transaction that they should not have been able to bill me for - despite overwhelming evidence that AMEX should not have billed me, and after assurances that they would not allow that billing to happen. After lengthy debate with the third party - that party removed the charge - however, as AMEX had failed to protect my assets ( after acknowledging that they have had hundreds of complaints about the same company for the same reason!! ) I maintained my position with regards cancelling my card. I have requested an ACCURATE, up to date bill from AMEX several times - to date - they have not provided one. I have written to XXXX XXXX himself 3 times to try and get a resolution - this is still not resovled. 

The issue is that after 30 days they have started calling my work - despite several requests for them not to - again, in writing and directed to XXXX XXXX himself. They have my cell number but insist upon calling my work to demand settlement of a bill they have not even tendered accurately.,
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TN)

I began receiving automated calls from XXXX beginning on XXXX/XXXX/16. First call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, the first call was at XXXX XXXX and the second was at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received one call at XXXX XXXX. On XXXX/XXXX/16, I received the first call at XXXX XXXX and the second at XXXX XXXX. Today, XXXX/XXXX/16, I received a call at XXXX XXXX
Consumer complaint received 2024-09-25
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (TX)

On XXXX my Money Network card was used at two locations for ATM withdrawals while I was still in possession of the card. My card was assessed for two transaction service fees which is interesting because my card does not allow for withdrawals from ATMs that charge service fees. You must use a sponsored ATM which is usually a XXXX. The first transaction WAS indeed at a XXXX in XXXXXXXX XXXX  which I have never been to for {$300.00} plus service fee. The second was for {$200.00} plus service fee at a XXXX in XXXXXXXX XXXX which I have also never been to. 

The morning after it was posted I contacted Money Network about the issue and filled a dispute. They said that I would be receiving a letter in the mail that I needed to fill out and return within 10 days. Well, I actually found the form online and filled it out and included police reports that I filled in both cities that the unauthorized transactions occurred. 

I waited 12 days to hear back about the status of my dispute and even emailed the dispute department around 7 days and never heard back. They said that my dispute was denied due to digital validation. Whatever that even means. I finally received the dispute form in the mail on the ninth day, which would have put me over the 10 day limit to receive a provisional credit that they said I would receive until the investigation was resolved. Obviously they did not investigate the transactions as I clearly was not the one who made them. In the world of mass surveillance, there has to be a video of who made these transactions. So, now I must resubmit a dispute, who knows what the result will be, that can take up to 90 days to resolve, if at all. After being given the runaround for weeks with Money Network I did my own investigation and realized that this happens a LOT with Money Network and other customers just like me on this matter. 

There is no way to escalate it within their company. There is no way to speak with the dispute department and the customer service can barely read the script that they are provided to brush customers under the rug. I need this money as it is my only source of income and I have fallen behind on bills as a result.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (TX)

In the process of attempting to get a mortgage loan for XXXX people with FICO scores at XXXX and XXXX, we were given the run around in every manner you can imagine. We were operating under a 30 day escrow with a XXXX ARM. The lenders asked for everything in our history you can imagine. I 'm not against them doing their due diligence. They should have been doing it when they were falsifying records and looking the other way. But now along comes an honest buyer with great FICO scores we 've worked hard to attain. They held up the process with day after day after day of hassling us for more and more information that we finally had to stop the process and withdraw our offer. This was because I had to have a place to move to in California since the loan folks had assured me all was fine it was just a few more details. Weeks later, after I turned in our lease termination, they were still asking for information. The final straw was when they started asking for 2014 taxes ( for the XXXX time ) and then asked us to " explain '' my husband 's first job out of college ( 30 years ago ), my former married name ( 27 years ago ), and various other historical pieces of data from 15-30 years ago. They said it did n't match on different reports they had. But they did n't send us the reports so we could see what did n't match. And honestly a first job out of college from 30 years ago, what bearing does that have on current credit worthiness? They claim it 's all XXXX requirements, but I know that is not the case. It really seems they do n't want to make loans at good rates so they just make it impossible. 

And now they 've screwed up my credit report by having XXXX mortgage loan credit inquiries made, which do n't go away for 2 years. another way to make us " pay '' for just trying to buy a house. FICO says that loan mortgage inquiries are not included in its calculation, yet each of the credit reporting agencies stated that I had too many inquiries on my report that impacted my overall FICO score. Now i have to live with that for two years, or spend a week writing letters to no avail ( I 'm sure ). If this is a country that runs on credit then we are in deep trouble when the only people who can get loans are the ones who do n't pay them back. 

Please find some way to convince the mortgage companies to be more reasonable in the info they ask for and to remove credit inquiries after 3 months of no loan follow-through. Thank you.
Consumer complaint received 2015-04-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

To Whom It May Concern, In XX/XX/XXXX, I have requested for credit card limit increase to XXXX XXXX XXXX. However, they could not increase my spending limit due to my annual income. At that time, XXXX of the specialists called me and told me that there 's a collection on my account that I would need to find out which is a negative impact on my credit report. This is when I first find out about my collections. 
On XX/XX/XXXX, I have contacted Mercantile ( Collection Company ) and spoke with XXXX XXXX ( XXXX # XXXX ) to find out about what the collection was for. She told me that it was from the XXXX Hospital that billed me and went to Collections Company. So I told her, " I had my school insurance during that time and should have been covered. '' XXXX XXXX was unaware of that matter and told me to contact the Hospital to dispute the bill. So, I contacted the Hospital and found out that I would have to contact their XXXX party billing service company, XXXX because they are the one who sent the bill and to collections. 
Before I contact the XXXX party billing Service Company, I have contacted my insurance company and spoke with XXXX XXXX if my policy was covered for the bill during XX/XX/XXXX. He told me that they never received any claims under my policy and even if they did, it should have been covered. ( Please refer to copy of email received from XXXX XXXX. ) On XX/XX/XXXX, I contacted XXXX the XXXX party billing company and spoke with XXXX to ask if she can dispute the balance due under my account. However, she told me that she could not open up any bills because they are no longer in service with XXXX Hospital. Therefore, she can not dispute my bills and told me to contact the Hospital again ... 

I have tried to dispute this bill by contacting Collections Company, the XXXX hospital, XXXX party billing service, insurance company, and new XXXX party billing service for XXXX Hospital. However, there was no one who can dispute or even open the bill and claim it to insurance company. I have never received the bill and unaware of it because I lived in XXXX, NY only for five months. 
After contacting all those parties, I contacted Hospital for XXXX last time. XXXX of the representatives from XXXX hospital understood my situation and told me to contact the XXXX credit bureaus directly and dispute the collections. Therefore, I contacted XXXX, XXXX, and XXXX and sent all my documents to request dispute. As a result, XXXX have deleted my collections. 

However, XXXX can not dispute my collection because Mercantile ( collection company ) denied to my request. XXXX told me if I 'm not satisfied to the results, I would need to send Personal Statement explaining why I 'm not satisfied.. First of all, I did not understand why XXXX asked Collections Company to dispute it again. I already told them that I was not able to dispute with any of the related parties. 

Please consider my situation and investigate my account. 

Thank youXXXX XXXX XXXX
Consumer complaint received 2015-04-24
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (TX)

My paypal account was permanently limited on XXXX, so was my debit card. I have {$3800.00} in my account and could not withdraw it. Paypal may have right to limit/close accounts, but they should not hold people 's money for that long.
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc (VA)

I went to XXXX to received the medical emergency help in XXXX 2015 due to the work injured and I had the claim number which I provide to hospital, but the bill was sent to me. 

I tried calling ( XXXX ) XXXX number in hoping to talk with XXXX ( the actual bill : proof file attached ) trying to explain to them to what was going on, but this number would never be working. There were no chance to talk and correct this matter. 

So, I had to forward the bill to my attorney in XXXX 2015 ( please see proof file attached ) No further bills have sent to both my attorney and I after XXXX 2015. 


Bill was not paid until I acknowledged the alert from my credit report ( on the night of Friday, XXXX XXXX, 2015 ) where my point dropped down XXXX points. After I know the problem, I took care of the bill myself ( payment posted on my account on Tuesday, XXXX XXXX, 2015 ). 

My attorney made the informal conference to XXXX agent ( please see file attached ) XXXX did not take care this bill. That was the reason why my credit score has dropped XXXX points because the collection action was put under my name. 

I need XXXX insurance explain in writing where I report to credit bureau that it was not my false.
Consumer complaint received 2016-01-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC (NC)

I have gotten several calls from this telephone number XXXX. In addition to all of the calls I have gotten, my family has also gotten these calls as well. Once I returned the call, I was not given any type of debt collection disclosure, just told by the person answering the phone they were the secretary and they would have to connect me to the person that called me. Once I was connected, I was then asked several questions and I asked several more times who they were and why they were calling. I was told I owe {$7000.00} and that the person who answered talked to my family and stated " was told by your sister you commit fraud '', " There will be a police officer sent to your job '' and that I " ony had until XXXX tomorrow to have this resolved. '' I work in the XXXX and am taught the importance of the CFPB and Fair Debt Collection, and this behavior is completely unacceptable.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

I have for the last few years paid {$300.00} to my Escrow, now my Homeowners Ins. and Taxes come out, they are {$1900.00} for my Ins. 
and {$480.00} for my taxes. That totals {$2400.00} per year from my Escrow which has a total of {$3600.00} in it, now once that amount is paid, my balance is {$1100.00}. Now each year this money in my Escrow just disappears. No record of it, I want to know why did they increase my Escrow payment for more than what is needed and where has the extra money that remains in my Escrow gone? It should go to me or be paid toward my next year Escrow, this has been going on for years now. 
Please, the excess payment has put me in a stressful position for years, so where does the hundreds of extra dollars in my Escrow go too?
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/XXXX at XXXX I received a call from a number that came up on the caller ID as " Navy Fed '', the person on the phone claimed to be a Navy Federal Representative. He said his name was XXXX XXXX. He informed me of some suspicious activity on my account. They provided me a list of transactions that were not mine, this included a {$14000.00} loan. I checked my account and noticed that there was a {$14000.00} loan there. The " representative '' told me that my account was compromised and that they needed to reset my account and to move the money in my checking into an internal account under " XXXX XXXX XXXX XXXX '' that is supposed to protect my funds from getting transferred out. They informed me that I could only move {$4700.00} at a time. After following their instructions, I received a notification that it was a " Member-to-Member '' transfer. So I hung up the phone immediately and called back the Navy Federal number that I found online at XXXX. And the actual representative said that it was not them who I was speaking to. I informed the actual representative of the entire interaction I had with the claimed " representative '', and that I needed to cancel the {$14000.00} loan AND the {$4700.00} member to member to transfer. He stated that his team also noticed the {$4700.00} loan and flagged it. He also stated that they would be " PUT THE FUNDS ON HOLD '' so it would not transfer, until the Fraud department did their investigation. He reset my login, password, and code word, then sent me a " Affidavit of Forgery '' form to fill out and submit. So I did. 2 days later I noticed that the funds still got transferred out. I called back several times requesting a status, and they said their team is still investigating. After my XXXX call ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) they said to give it 90 days to follow back up, So I did ( XXXX ). When I called, they stated that my claim was denied. I never received this letter. They told me to send in an appeal. Which I did on XX/XX/XXXX. This time, I did receive a letter of the denial of claim. So, I sent another appeal, because I do not believe that NFCU protected my assets as they said they would. I requested they investigate the account that my funds were transferred to because they are claiming to be a member but they are scamming other members. NFCU cancelled the {$14000.00} loan, but never refunded me back the {$4700.00}. All of these fraudulent activities happened in less than 24 hours.