davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
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. (WA)

I received a notice from  XXXX  that I had activity on my credit report. Upon accessing the   XXXX    site and viewing my report I saw  XXXX  discrepancies but do not know if they are related.   The first issue is a hard credit inquiry from  XXXX  on  XXXX / XXXX / 17 . I did no  t authorize this and I am currently not seeking credit of any kind. The  XXXX  site did not give means for addressing this and did not give contact other than a   XXXX   XXXX   .
The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with  XXXX  and I need to have that address disputed with the other creditors as well.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.
Consumer complaint received 2017-04-24
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: TD BANK US HOLDING COMPANY (NJ)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Attn : Complaint Department   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insu rance C. Employment D. Court Order The following  credit inquiries are related to none of the aforementioned permissibl e TD Ban k (  XXXX / XXXX / XXXX  )  XXXX   (   XXXX / XXXX / XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,  XXXX   XXXX
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My mortgage loan was sold to Freedom Mortgage.   I refinanced the loan with another lender on  XXXX   XXXX ,  2017 .   My  Freedom  Mortgage statement ( online and received by mail ) shows the loan being paid off in full on  XXXX   XXXX .   On  XXXX   XXXX , Freedom Mortgage drew a mortgage payment from my bank account.   This is after the refinance was completed and my account was paid off.   My  Freedom  Mortgage statement shows that Freedom Mortgage reversed the draw on the same day,  XXXX   XXXX .   However, I did not receive the payment in my bank account, and have not received a check or other payment in the   two weeks since that date.
I have called and talked to their " customer care '' agents, checked with my bank, sent Freedom Mortgage my bank statement as requested showing that the funds were not returned to my bank account, and asked Freedom Mortgage to properly reverse the transaction and return the funds to my account.
Freedom Mortgage is telling me that they need to research what happened to the funds, and that they will have an answer fo  r me ( but will not necessarily return my money ) by  XXXX   XXXX , ano  ther two weeks. I have asked them to return my money while they research what happened to their transaction, but they have refused to do this.
I have been unable to speak to a supervisor or manager. They have repeatedly put me off, telling me the supervisors are in a meeting, the managers do n't get on the ph  one, the cash person they need to check with is at lunch, they will have to call me back.   They have effectively stolen money from my bank account by withdrawing it after my debt with them had been satisfied, and they are refusing to immediately correct this.
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: ERC (NC)

I wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.     XXXX   wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile   XXXX   wrote me and   removed the error.   XXXX   and  XXXX  have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!
Please help!!
Consumer complaint received 2017-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  ,   XXXX  ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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: Navient Solutions, LLC. (MD)

To Whom  It May Co ncern, I have reason to believe th at Navient incorre ctly debited my checking account in the amount of {$190.00} on  XXXX   XXXX ,  XXXX . Upon entering my agreement to obtain federal assistance, I was specifically told that my grace period ended  XXXX   XXXX ,  XXXX . I was never notified that this date had changed to  XXXX   XXXX ,  XXXX  and on  XXXX   XXXX ,  XXXX  I received an email indicating that {$190.00} would be debited from my account later on that day. While I understand that mistakes happen, the fact that I was not given the proper notification for a change of circumstance on my account is deceptive and extremely unacceptable. When I contact ed Navient about this matter, the customer service representative that I spoke to indicated that it was my duty to  submit documentation evidencing my full-time status in order for my account to be credited back the {$190.00} that was taken. Placing the burden of investigation of a consumers complaint/inquiry is inconsistent with basic consumer protection law, and as a result, I would like to file a formal complaint against the loan servicing agency.
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. (IL)

I currently submitted a complaint through the CFPB regarding  Navient  and how they are not willing to lower my monthly student loan payments. I was paying about $  XXXX  month and I only make $  XXXX . A couple of weeks ago, I was able to get them to drop {$90.00} off my monthly payment, but that was all they were willing to do. I submitted a complaint and their response was " you  may be eli gible for lower monthly payments ''. I spoke to them today and they told me I was not eligible for lower payments, but would transfer me to their collections department to figure something out. I was transferred, gave my social security #, and the lady transferred me back to another representative. Again, I was told that I am not eligible for lower payments. I explained that I am going through some financial hardship because I do not make enough money annually. I also explained that I had to purchase another vehicle, which I now have monthly payments ( the vehicle turned out to be  a Lemon and ne eds work done to it ). The representative told me she would transfer me back to the collections department to see if we can work something out. However, she asked me if my co-signer would make the payments. I told her that he was unable and I want to pay off the student loan debt. She then mentioned that I co uld apply for a forbearance for three of  my loans, which will drop the payments. Since my back is against the wall and they have not been willing to work with me about lowering my monthly payments, I agreed to the forbe arance and paid {$150.00}. The issue with this is now I will have more interest built up ( paid about {$6000.00} in interest last year even after making full payments every month ) just to be able to make ends meet for three months. I am not happy with this outcome because I would rather make lower payments opposed to having more interest built on. I am also not happy that I was transferred to three different people once I mentioned anything about lower payments.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

I contracted service from  XXXX  for a  SIM ca rd to be used in an iPad for cellular connection purposes. The signal was very poor at my place of residence due to interference. I returned th e SIM c ard and closed the account.  XXXX  refunded my money and i considered that to be the end . 5 W eeks later i received a bill from a collection agency by the name of  XXXX   XXXX  ; I called  XXXX  and they corrected my account to show that no money was owed to them. Following month another bill was sent from CONVERGENT  OUTSOURCING INC. f or the same amount. I have called  XXXX  to clear this situation but they say the show no traces of my name in their records. I do not wish to contact the  collectors company for fear that they are just going to verify my name and address and sell my name to other data collecting agencies. Please Help.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2017-04-26
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: U.S. BANCORP (OR)

US  BANK  Cash plus Reward mone y is at least 1 % of any sale transaction I make. That is the promise the bank say they will gi ve away. I accumulated more than {$500.00} of reward money. I chose a few years ago to receive   XXXX   XXXX     XXXX    dollar   " gift reward card '' that I lost according to the bank because I did not spend it sooner!    I did not use those    XXXX    cards, since I did not need it. Today, I noticed that there was an expiration on  it  XX/17 . I di d not think it would be an issue a few year later when I wanted to spend. I have NEVER heard that there is a time condition to get that dollar back. This is not common knowledge. So, how is it that I can not get my dollar back unless I spend it befor e  XXXX  2017.    Also, I was under the assumption that this was a gift card, and it should not have an expiration date  ( Orego n  XXXX   ).   All this is very confusing . US  Bank promise that they would return that 1 % back to me. Why should n't I receive my money? because I waited too long! Again in the literature about USBAN K cash plus car d, they do not advertise that I will get that 1 % CASH BACK ONLY IF I spend it before a few year!     I started to call aroun d US  BANK requesting that they re-issue the card, like a regular check that has a 120 days expiration day. The money was promised to me as a consumer and they did NOT FULLFILL their promise to give me my dollar back for each {$100.00}, I spend.     Note  : US B ANK Credit Car d CASH PLUS  Card :  XXXX  I called and talked to Supervisor  XXXX  operator ID  XXXX , and then  XXXX  manager at  USBANK o perating number  XXXX . Insisted that I deserve 0 % cash back for not using the card on time.   US BANK  Gift Card Service  :  XXXX  I called the USBANK gift card issuer talked to Supervisor   XXXX  o perating number  XXXX
Consumer complaint received 2017-04-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (WA)

During the month of   XXXX   XXXX     I was trying to purchase a home and had tons of paperwork. I do not think it is suitable to walk into an establishment to begin the mortgage signing process and the mortgage  officer want t o talk about my VA  XXXX , do n't I want to get better, and go into how he is a pastor and has a  26  week program to help me get better. ( He was referring to my   XXXX   XXXX   XXXX   XXXX  . ) He insisted on seeing exactly what the name of my actual  XXXX  were, for I had marked the name and only the name of the  XXXX  out for privacy. I did not mark out any numbers. Only the name. He told me he has sent many  Veterans throug h his church on th e 26 week program  and they never had problems again. He told me I have probably been burned by  XXXX  and that 's the reason I do n't go to c hurch. ( Not once  did I ever say I was burned or bring up religion with him. And why did he think I was  XXXX ? I am still offended by that and still think it was racially motivated. Why would he assume  XXXX ? ) He showed me a short film of the cult/organization he is associated with. Is this how he got other Vets to join his church? When they first come in to sign mortgage documents? This man also told me it : " was his mission as my pastor to help me find goals in life and to find my purpose. '' ( He is not my pastor and I never asked him to help me find goals or my purpose ) I had to ask several times for his supervisors name. When I got it, I sent both an email and called a couple of times and stated I wanted to talk to him about his employee. The supervisor and I left a couple of messages back and forth and I left the last message without the supervisor ever following up.   I will Never recommend this company for their mortgage needs.
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Collections U.S.A., L.L.C. (WV)

I checked my  XXXX ,  XXXX , and  XXXX  credit reports and seen that I have collections from  Credit Collections and  I submitted a investigation on the accounts. I was sent itemized bills from the collections agency and it had what I got done on them. Showing the amounts and all but then I seen that they did not bill both my insurance or my husbands. I called them and ask them to look it up and they said they could not. I called both insurance company 's. My insurance is looking into it because the account is an old account and I no longer have insurance with them. I then called my husband insurance and they said they did not pay because they requested EOB from the hospital and they never sent it to them. I have paid a few of the accounts but it was before I looked into it further. I do n't know if I paid them what was really needed to be paid becuase of the mistakes I found on there part.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, thank you for any help that you may be able to provide. I have called in to XXXX and have asked that info be updated properly. I even spoke to a yound lady that sent me a letter stating that an account was indeed paid in full and I sent to XXXX, experian and XXXX and my reports have not been updated. I called into XXXX and let them know that I was a victim of their inquiry issue and that there were items that were not correct on my report, I sent in proof and customer service would not help and take care of the negative inquiries reporting to my credit report. <P/><P/>Please help, I am not getting anywhere. <P/>The inquiries are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CO)

There are two problems concerning  Loan Care LLC .   First When I applied for this mortgage I was never asked if I had a job. At that time I did not have a job I was on unemployment. My thought was if they would give me a loan I would some time to find a new job and continue my payments. I did not find a job. The whole process was really a strange experience. The lady that came to do the mortgage came at  XXXX  at night, and did not get done until around midnite. Plus she did not seem to know what she was doing. Since it so late she could not call her office to ask questions.   Secondly, I have been trying to g et Loan Care to  clear my credit report from the reporting agencies since  XXXX  of   XXXX  , and I just get a runaround. They admit that it is past the time to take it off the credit bureaus. I think  Loan Care may h ave done things during my application process that were not to the rules.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

During the du ration of six mo nths I have called as well as sent in the proper documents which consists of police reports and identity affidavit to show that an account which is  XXXX   XXXX  and  XXXX  for the amount of  XXXX  an inquiries which will listed below for resolution on my credit report was identity fraud. Due to all of communication and documents I have still yet to have the account removed off my report I have tried multiple times I would like the account as well as inquires that I did not authorize to be removed.
Consumer complaint received 2017-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (WV)

Midland Credit Collections, c ontacted me at my direct line at my place of employment. They have called several times so far, when I answer I tell them that they are not allowed to contact me at work, this my business line. I work in a call center environment and can not be on the phone for personal reasons. The debt collector advised that since I answered the phone I should resolve the issues now. I have told them several times not to call me at this number. I do n't know how they even got the phone number as I have never provided it to them.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Service Finance Holdings, LLC (TX)

In  XXXX    XXXX  , my wife and I contracted to have an  XXXX   XXXX   solar system  (  XXXX  solar panels and inverters ) installed on our home through  XXXX  ( dba  XXXX   XXXX   ,   XXXX   ).  We have an invoice showing that we paid in full for the system, which I will attach. A few months ago, we began receiving statements from a company named Service Finance Company , LLC. They did not identify themselves as a debt collector nor relate the amount on their statement to the system we had installed. I thought it was just one of those mail phishing schemes where you send one payment and you 've suddenly signed up for a loan. I was throwing them away. Last week, we began receiving emails from a  XXXX   XXXX  stating that we owed {$7100.00}. We requested they send a contract showing that we owed that amount.  XXXX   XXXX  sen t one of th e statements we had been receiving in the mail ( also attached  ). W e wrote back requesting to see a  XXXX  contract. What we received today was an ALTERED version of our original contract with  XXXX   ( also attached ). It   appears that  XXXX  is no longer in business. Nor can we reach anyone at  XXXX   XXXX ,  XXXX   ( w e left a message, but there has been no answer ). We believe we are being targeted in a fraudulent scheme to bill us for money we do not owe on behalf of a company that is no longer operating. We have submitted a complaint with the Texas Attorney General 's office, but are looking for any help we can get. Thank you very much.
Consumer complaint received 2017-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

Loandepot de fied any wrong doing, but, demanding payment of late charges and late payment which we never have ever sinc e. Dishonest, manipulati on toward financial scams with illegal late charges and other deficiency activity to gouge us financially including insurance and tax after they were told I am tax-exemption, "   XXXX   XXXX    XXXX  veteran ''.  XXXX   XXXX   XXXX .  XXXX   XXXX  Veteran we end up sold our house, due to dishonest fraudulent activity they put us through since late  XXXX   XXXX   XXXX ,   XXXX   when our home was sold. We felt lots of  XXXX  and pressures from Loandepot 's dishonest services through-out those years I mention here-above. this aforementioned surely is n't healthy for us, but putting us under lots of unhealthy  XXXX   XXXX . To which my (  XXXX  ) classified & verified   XXXX   XXXX    XXXX  and among other VA medical history during my Military services does bothers me big time still. therefore, punitive damages and compensatory damages must award for the defendant 's negligence and egregious repetition of dishonest and consumer frauds ever since.     furthermore, our home sold on  XXXX   XXXX ,   XXXX  , and Loandepot still not refunding us money that they owed us : such payment made in advance for the month of  XXXX    XXXX  , interest, tax, and principle Sincerely :  XXXX ,  XXXX   XXXX  &  XXXX   ( wife  )