davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-14
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. (TX)

On XXXX XXXX, XXXX XXXX, and XXXX XXXX I notified the credit reporting agency that I was a victim of Identity theft and that the account listed on my credit report under public records for a dismissed bankruptcy was inaccurate and incorrect. I sent the credit reporting agency letters from both my tax collector office and the Bankruptcy court the creditor is stating validated this information as proof that this public record was incorrect, inaccurate and should not be on my credit file and the credit reporting agency has refused to furnish information on how they are validating this debt and remove this inaccurate and incorrect information from my credit report. I am now in emotional distress and losing job opportunities due to this inaccurate and incorrect information on my credit report. I did not file a bankruptcy and it does not belong to me.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I notified the credit reporting agency that I was a victim of Identity theft and that the account listed on my credit report under public records for a dismissed bankruptcy was inaccurate and incorrect. I sent the credit reporting agency letters from both my tax collector office and the Bankruptcy court the creditor is stating validated this information as proof that this public record was incorrect, inaccurate and should not be on my credit file and the credit reporting agency has refused to furnish information on how they are validating this debt and remove this inaccurate and incorrect information from my credit report. I am now in emotional distress and losing job opportunities due to this inaccurate and incorrect information on my credit report. I did not file a bankruptcy and it does not belong to me.
Consumer complaint received 2017-11-14
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: EQUIFAX, INC. (GA)

I received an alert on XXXX XXXX, 2017 from Equifax and XXXX ( I have multiple monitoring services because my identity has already been stolen ) that an inquiry was made for my credit through a company called XXXX XXXX. I called XXXX XXXX who told me I had to go through Equifax to get the name of the company who actually requested the data since they are a service provider for home and apartment rentals and do not make requests directly. I called Equifax who told me I had to go to XXXX XXXX to get the information. When I told them that I was directed to Equifax by XXXX XXXX I was basically told tough luck. 

As background I have a credit freeze on with Equifax. I do not understand how they can continue to operate with the issues they have created. Plesee help me get the information so I can insure that my credit is nt being damaged further. 

Thank you.
Consumer complaint received 2017-11-14
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. (TX)

I have send letters disputing wrong negative information on my report. Transunion has mail me the results as verify but I have never received any legal proof that negative unverifiable information belongs to me.
Consumer complaint received 2017-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I have an installment loan with Navy Federal, which I have had for over two years. I make monthly payments and occasionally, when I am unable to pay on the due date, I call and schedule the payment to be deducted from my checking account within 30 days of the due date. My loan payment is due on the XXXX of each month and my paychecks are deposited automatically to my account every two weeks. 

In XX/XX/XXXX, we were unable to pay the loan within 30 days but I knew that I would be able to pay it on XXXX XXXX ( my next pay day ). On XX/XX/XXXX, Navy Federal deducted the XX/XX/XXXX payment ( {$1600.00} ) from my account automatically as soon as my paycheck was scheduled to hit my account. Then on XX/XX/XXXX, they deducted another {$3200.00} from my account automatically and applied it to the loan for the payment due on XX/XX/XXXX and XX/XX/XXXX. This was done without my authorization and without notice. 

A brief search online reveals that this pattern and practice is rampant by Navy Federal and they routinely access their customers ' accounts to make payments on Navy Federal loans, advising that this was a term of the loan when we entered into the loan years ago. I have now spent 5+ hours on the phone with various representatives to try to have both the XX/XX/XXXX and XX/XX/XXXX payments reversed immediately. But the bank refuses to issue a refund for the XX/XX/XXXX payment ( today is XX/XX/XXXX ) citing that my loan is past due. Note - they deducted the XX/XX/XXXX payment from my account the day after the due date. It took me four hours to get them to reverse the XX/XX/XXXX payment, which again, they applied a full month before it was due. 

I am on the phone with them yet again and it is unreasonable to expect anyone to have to spend over five hours resolving an issue like this. In addition, this is not the first time this has happened. I have scheduled payments with Navy Federal and their system would still sometimes go into my account and withdraw funds to pay a loan. I would expect that the bank would be required to notify customers BEFORE withdrawing funds from their account, even if the bank believes it is entitled to such funds. They can reach me by email and phone, yet I received no messages indicating that they were going to withdraw over {$4000.00} from my account in a 24 hour period. 

Perhaps the most frustrating thing about this matter is that it appears that supervisors are unwilling or unable to ever get on the phone to assist a consumer. They are nameless, faceless and voiceless people, who send their responses through the front line representatives even when the decision being made is unreasonable and unfair to the consumer. 

I ask that you look into this as soon as possible.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The Company is listed on caller ID as Portfolio Recovery. The number that shows is ( XXXX ) XXXX. We spoked with a Representative of the company whom identified herself a XXXX XXXX. We identified Ourselves by name and telephone number. We advised them that We have had our telephone number for more than " Twenty Years '' ... and We owe no debts. We begged this company to stop calling Our number, because We are the only persons living here. The Representative XXXX advised Us that  She would remove Our telephone number from their calling system. This is not the first time We have requested to be removed from their calling system. This is harassment and We are requesting that this calling cease and drop dead. Please Help Us. PLEASE. Thank You.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

In XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NH)

XXXX XXXX ( Sams club ) offers 5 % 3 % and 1 % cashback rewards. The classification of the purchase is not clear, in fact, the original disclaimer referenced how a gas charge may be identified as other ( grocery ) depending on the merchant 's classification. The Synchrony supervisor now states that the products themselves are classified and this will not be conflicting. The process to find out what is really happening is not clear, difficult or impossible. I broke down the classes of charges on one months statement, carefully removed any non-qualifying products ( Sam 's club 's {$100.00} annual membership does not qualify, for example ) and came up with a total reward value of {$63.00}. The bank representative stated that I received only {$59.00}. This is one of the  smaller statements and we have been intending to " spot check '' for a couple years. I suspect there is unconditional deception and want the CFPB to cause a means of identifying and clarifying exactly what is what. I have a scanned example ( breakdown ) of this statement to share. I have posted on XXXX XXXX blog, hoping they would put pressure on the gas industry by promoting those who post their classification code ( s ) and statement, respectively.
Consumer complaint received 2017-11-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Management Partners LLC (WI)

The company calling me is also calling my sister every hour claiming to call themselves XXXX XXXX- number is XXXX or XXXX, they sometimes call from an unknown number so you can not block the number. They scream into your VM and threaten you, claim they are going to come and take my car, put a tag on my drivers license, put an arrest warrant out for me, etc. If this was an actual bill collector, they would have had something sent to my house, and/or legal papers delivered! The man also told me if I continue to hang up on him, he will continue to harass my family members, as of which he is doing, every hour of the day, starting at XXXX XXXX. When you call them back, they are rude, will not give you names and get loud and violent over the phone with you. If you call and no one answers, their VM will state that it is full, so you can not leave a message.
Consumer complaint received 2017-11-15
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: EQUIFAX, INC. (AR)

Tried reaching out to equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent.I was unable to get this resolved after multiple attempts to dispute. The inquiries in dispute are as follows : 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
Consumer complaint received 2017-11-15
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: Experian Information Solutions Inc. (TX)

I pay XXXX XXXX powered by Experian every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP (NJ)

Received a phone call from " Capital Management Services '' on or about XXXX XXXX, XXXX. Kindly told the associate that I request no telephone contact and to please submit verification of the disputed debt in writing only. This was followed up with two written requests on XXXX XXXX AND XXXX XXXX, XXXX. Both letters stated the following in bold : " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me must be done in writing and sent to the address noted in this letter by XXXX. '' On XXXX XXXX, XXXX at XXXX XXXX I received yet another telephone call. The associate acknowledged the receipt of the letters but said there was no request to cease communication. I have retained copies of all communication and both make the request as clear as possible.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

XXXX still reporting several fraud account after numerous disputes filed with the credit report on accounts for XXXX {$1300.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$330.00}
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or about XX/XX/XXXX I contacted transunion to dispute inquries on my credit report and noticed an extreme amount of inquries on there. I asked them to be removed due to me not given authorization for any company listed below to run any credit. I was told that I was not able to have them removed off of my credit report. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX of XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Received notification that a new account was reported to my Trans-union credit report on XXXX XXXX XXXX XXXX reported a collection that I have no knowledge of. I have never done business with this company before, I also have no contract with this company. 
Never received any sort of documentation in reference to this company. I also called Transunion on three different occasions to rectify this information, was on hold for over 30 minutes and was unable to speak to customer service at any time.
Consumer complaint received 2017-11-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (NJ)

debt is not mine. i reported my wallet lost and this car was opened in my name. it was in an accident with no insurance out of state, and sold in an auction. XXXXXXXX XXXX never tried to contact me for this debt. and after writing it off they resold it to XXXX XXXX. They have now reaged the debt from XX/XX/XXXX to XX/XX/XXXX and are in collections affecting my credit worthiness and any other chances of moving up on my scores.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My wife and I filed a application for mortgage modification XXXX  2017. I was a sent a letter requesting documentation ( please see attached ) I sent the requested information and was informed by Select Portfolio Servicing that no foreclosure proceeding would take place during the modification process. Approximately 2 weeks later we received a Act 91 notice of default and foreclosure. We have provided all the documentation requested as told to me. I have spoken with numerous people and each person request different information in different formats. One person recently informed me she did not know what a COLA ( cost of living increase adjustment ) from Social Security.
I am fully XXXX and live on a fixed income, my wife works and her aunt resides with us and pays us monthly rental income. We have every intention of remaining in our home and have no where else to go, our credit is poor and renting will cost us more than our mortgage each month.
I feel that SPS is stalling in order to foreclose and take our property. We have fallen behind on our mortgage due to numerous circumstances primarily my XXXX  and inability to work fulltime. I have since obtained XXXX and combined with my wife 's income can now manage our mortgage payments but need the arrearages modified over time. Please help me in getting this resolved.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I am on of the people that was affected by Navy 's Improper Debt Collection which has affected my credit since it was done. I have called on a regular basis to see when Navy was going to pay me and fix the problem and have not received any satisfaction. It has been two years since you ordered Navy to pay and they have not done anything. Request that CFPB look back into the what Navy is doing and why they are dragging their feet in giving its customers relief. " CFPB Orders Navy Federal Credit Union to Pay {$28.00} Million for Improper Debt Collection Actions ''
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score. Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score. Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.
Consumer complaint received 2017-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

Transfinancial Companies has failed to VALIDATE account. This is a medical collection in which I am not aware of, and I want it removed from my credit file. I have filed a complaint with the better business bureau on XX/XX/XXXX, and their response was our records indicate that we received your request for validation. Our office researched and validated your account on XX/XX/XXXX to the address on file. That is not true. I have never received any validation with my signature on anything. 
I sent in a dispute in XX/XX/XXXX and requested that they provide me with documentation with my signature that was signed to VALIDATE that the debt is mine along with a signed HIPAA consent to release my medical records, and I have yet to receive the documentation Ive requested. Sending an itemized bill isnt a VALIDATION of debt. Transfinancial Companies is practicing illegal debt collection tactics and is causing tremendous harm to my credit report. If they do not delete this inaccurate information from my credit file I will pursue legal action against this collection agency.