davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION (KY)

XX/XX/year> Navy Federal Credit Union failed to provide a proper receipt and co mingled funds in a MORTGAGE Equity LOC Payment however the payment was clearly marked .private.special deposit.entrust. The amount was $ {$1700.00} united states dollars with || through the XXXX indicating $ $ real united states dollars, not Federal Reserve Debt Notes which cant pay anything. The receipt only showed {$1700.00} not the $ {$1700.00} real united states dollars to pay in full the alleged mortgage. The payment was marked Account Paid in Full and was confirmed by the Navy Federal Credit Union Bank Teller at Kentucky. 

The receipt shows an unnamed Mortgage Equity LOC Payment. We do not have a Mortgage Equity LOC. This failure to properly identify the source and use of funds is a violation of GAAP Generally Accepted Accounting Principals, and allows money laundering. 

The only reason that we deposited funds to a mortgage account was to confirm for the FIFTH time that the ACCOUNT IS PAID IN FULL and per Uniform Commercial Code, the Account was Paid in Full. Navy Federal Credit Union failed to provide the Settlement Documents.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My wife and I are retired, and we live debt free. We don't buy anything unless we can pay for it in full, including our new ( er ) XXXX automobile. 
If and when we buy another home, we'll pay cash for the property or we won't buy it. 
We have money in the bank ( 6 figures in savings ) and use our credit cards but ALWAYS pay them off in full every month. 
I froze my credit a few years back ; my wife 's credit is still 'open '. 
Our 'Credit Score'* is pretty good I guess : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX : XXXX But the fact that it is dropping constantly even though we pay our bills every month, and WORK HARD to live within our means, is making me crazy! And it tells me in no uncertain terms that the credit reporting agencies, financial institutions, and the Fed are complicit in keeping Americans buried in debt, while penalizing those of us that pay our bills and strive to live debt free. 
The reasons for our falling credit score? 
1 ) 'Not enough balance paid down over time on revolving accounts. ' We always pay our credit card balances down completely. Every month. 
I'm not even sure what 'revolving accounts ' are - but apparently we don't have them or are somewhere misusing them? 
2 ) 'No open real estate secured loans in your credit file. ' What? We bought our last home in XXXX, and after qualifying for a mortgage** to buy the house, paid the mortgage off in full within 2 years. Is it because we don't have a mortgage that we're being penalized? 
There are a couple of other reasons listed for our falling credit score, neither of which make any sense to us. We just don't get it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
*XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion purposefully offer you a free credit report that would still cost {$1.00}. They have not made it clear to the user that by signing up for the free credit report, they would automatically sign up for the monthly payment too. They do not offer refunds so they took my money for free, causing my credit to go down. 

This is not just unethical but morally corrupted. This is predatory behavior and should never the practiced anywhere. The fact that they have a dedicated page to say they do not offer refund should tell you how many people have contacted them about this issue. Please stay away from this company is my solid advice. Don't make the same mistake as me.
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

To be clear, this is a new and separate issue from my last PayPal complaint. Im trying to resolve a negative balance in my personal account of - {$500.00} using the {$4100.00} positive balance in my business account. Ive spent one hour on the phone with them trying to get this done. They say it cant be done because there is a hold on the {$4100.00} due to the negative {$500.00}! An absurd chicken and the egg problem with a very simple logical solution. After an hour on the phone their representative said that his supervisor says that they cant do it. I cant speak to the supervisor. And when I ask for any sort of clear reason or problem that is keeping them from resolving the negative balance and releasing whats remaining of the {$4100.00} the representative says he was given absolutely no reason. When I ask to speak to another supervisor and PayPal ( because his supervisor apparently refuses speak to me to give me a reason or solution ) he tells me that there are no other supervisors! At all of PayPal!!! This is pathetic. He just told me that all of PayPal collections is on a the same XXXX XXXX and cant call me back for 48 hours!
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have sent out a letter to Equifax, XXXX, and XXXX  concerning my credit report. Due to suspicious activity on my credit report. I simply asked Equifax, XXXX, and XXXX  to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

My wife and I are retired, and we live debt free. We don't buy anything unless we can pay for it in full, including our new ( er ) XXXX automobile. 
If and when we buy another home, we'll pay cash for the property or we won't buy it. 
We have money in the bank ( 6 figures in savings ) and use our credit cards but ALWAYS pay them off in full every month. 
I froze my credit a few years back ; my wife 's credit is still 'open '. 
Our 'Credit Score'* is pretty good I guess : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX : XXXX But the fact that it is dropping constantly even though we pay our bills every month, and WORK HARD to live within our means, is making me crazy! And it tells me in no uncertain terms that the credit reporting agencies, financial institutions, and the Fed are complicit in keeping Americans buried in debt, while penalizing those of us that pay our bills and strive to live debt free. 
The reasons for our falling credit score? 
1 ) 'Not enough balance paid down over time on revolving accounts. ' We always pay our credit card balances down completely. Every month. 
I'm not even sure what 'revolving accounts ' are - but apparently we don't have them or are somewhere misusing them? 
2 ) 'No open real estate secured loans in your credit file. ' What? We bought our last home in XXXX, and after qualifying for a mortgage** to buy the house, paid the mortgage off in full within 2 years. Is it because we don't have a mortgage that we're being penalized? 
There are a couple of other reasons listed for our falling credit score, neither of which make any sense to us. We just don't get it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 
*XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-03
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. (PA)

Equifax, XXXX  is reporting inquiries XXXX  Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX that are not an obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent,
Consumer complaint received 2021-07-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. As of this writing over 60 have passed and I have not received a response. I believe that Im being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove the item from my credit report. It has been over 60 days therefore they should be deleted immediately. I demand these account be deleted immediately or I will pursue litigation due to the financial harm this has caused me. My information also was impacted by the Equifax data breach and may have fallen into the hands of some bad actors.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

Our account was enrolled in auto pay. PNC stopped taking the payments. We never received any emails or letters form them informing us of any issues. The only attempt at communication was AFTER the loan was already late. Last payment taken was for XXXX of XXXX and no attempts to reach us were made until XX/XX/XXXX from their collections department. They also never provide confirmation emails or otherwise when a payment is successful. The payments should not have stopped being withdrawn since auto pay was enrolled for the duration of the loan term. They initially tried telling us we were never enrolled in auto pay and all our payments had been single pay made every month. This is easily disproved since the last time we logged in was XX/XX/XXXX of XXXX. Meanwhile all payments had been withdrawn with no problem. They then tried to shift blame on us by saying the auto pay had expired and we forgot. Yet when we go online to enroll auto pay it says we can't because auto pay is already set up, another lie. We didn't hear from a manager after trying to escalate. This has cause my partner and I 's credit to drop 86 and 120 points. Absolutely disgusting! We want these derogatory marks removed from our credit since they were the ones who without warning or cause stopped collecting payments. Then refused to provide any kind of notice or communication to allow us to remediate the situation. Any other financial institution sends our immediate communication when auto pay fails. Not PNC evidently.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

They say I am over my credit limit by {$240.00} but my balance is {$700.00} under my credit limit. I called customer service to enquire why this is and the first rep said she would look into it and then put me on hold for 14 minutes before disconnecting me. I called back and spoke to a XXXX who put me through to a supervisor. I explained to him I was on hold and then disconnected and he apologized and offered to look into my problem. He then put me on hold for 33 minutes before disconnecting me. Finally on the third call a supervisor was able to tell me in 30 seconds there was a hold on my card for a reservation I made. This should not have taken me an hour to find out.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (MN)

I am a victim of identity theft and someone opened up an account with Charles Schwab using my personal information. I have never applied for or opened an account with Charles Schwab. I was just released from XXXX, and was XXXX  for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XXXX, SSN : XXXX
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (KY)

My credit card account was closed several years ago and still has an outstanding balance. I've contacted the credit card company multiple times over the past few years in an attempt to pay the balance in full. The last time I called them, I was transferred more than 10 times and was on hold for a total of about 4 hours. Every time I've called I have been advised that they can not take my payment because the account has been charged off/sent to collections but they aren't sure if it has been sent to an outside collection agency and, if it has, they don't know who it was sent to. 

I am not disputing the amount that they are reporting on my credit report that I owe and I've been trying to pay this bill in full for several years but they continue to tell me that they can not process my payment. In the meantime, the account continues to report negatively on my credit report. 

I am willing to pay the balance in full but I believe the negative reporting to the credit bureaus should be removed since I have tried so many times to pay them and they will not/can not accept my payment. 

I am unable to provide an account number because there isn't an account number listed on my credit report. I have requested that they provide me with my account number every time I have contacted them and they say they can't give that information out over the phone.
Consumer complaint received 2021-07-03
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. (MT)

XXXX XXXX  notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX I opened a pre-paid line of service with XXXX XXXX and I called a multitude of times to have the account closed during the 10 - day online only grace period to ensure it wasnt billed. Needless to say they failed to close it and ended up billing me. I had been told that it was handled 2-3 times and that it would not go to collections. Needless to say it ended up on my report causing my refinance on car to come at higher rates and denials on credit lines I could have used during COVID-19 pandemic. Each time I call XXXX XXXX eventually told there is a ticket number and that the request to remove it from my credit report had been made however at this time theyre still fraudulently reporting this inaccurate and negligence collection to my report. ( Paid In Full )
Consumer complaint received 2021-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emergent Business Group, Inc. (NY)

Emergent Servicing is in violation of the Fair Debt Collection Practices Act for the follow subsections : 15 U.S.C 1692b ( 2 ), 15 U.S.C 1692b ( 5 ) Emergent Servicing has possession of a copy of an invoice, affidavit, exhibits that identifies their actions against me as a federally protected consumer.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (NV)

I have two merchant return gift cards from Macy 's department store, which I obtained in XXXX. The items I returned were two XXXX each of them costs {$120.00} including tax. Please see attached. 

I have not used one of them ( ending XXXX, GC # XXXX hereafter ), and I used only a few dollars on the second one ( ending XXXX, GC # 2 hereafter ). Please see attached. 

I tried to redeem these two cards online about two weeks ago and found that GC # 1 have {$0.00} balance while GC # 2 had a correct balance of {$120.00} ( original card value {$120.00} ). 

I contacted the customer support and gift card department numerous times ( which was not pleasant to put it very very mildly ), and finally got the GC # 1 issue solved and received incorrect amount of replacement card which I had to correct ( see attached copy of email communication ). Replacement cards ( total amount of {$120.00}, {$120.00} ( why? ) + {$3.00} ) were arrived on XX/XX/XXXX. 

I thought I am good to go to redeem GC # 1 ( replacement of which ) and GC # 2. Now GC # 2 shows {$0.00} balance. I called customer support and explained the situation. I was told that I used on XX/XX/XXXX???? Something got mixed up. The representatives that I talked on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were oblivious. At the same time bored and rude. 

I want my money back on GC # 2 ( {$120.00} ). I tried to redeem these on items on sale XX/XX/XXXX and they are not available anymore. I request a compensation for tremendous waste of time and energy and loss of opportunities. 

I could not find any good contact information to report these issues. I hope this problem transferred to someone in charge of Macy 's gift card operation and customer support.

Questions : - Why GC # 1 was it inactivated? 
- How did they got XXXX dollar information ( see attached email communication ) where did this wrong info mixed up with mine? 
- Are they training associates at all? 

Or at least I thought.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

AMEX SERVE National Bank on XX/XX/21 at XXXX, Monies were fraudulently taken from my account at an ATM Location in XXXX. a total which was in excess of {$700.00}. The alert was sent out to the app. Immediately I notified AMEX FRAUD Division. All submitted documents will explain the timeline. on the first application, I had included all the fees charged. The first time I was denied, I was told to not include service fees for they were already returned to me. To resubmit the application minus their fees which I did. the second application resulted in denial again and to send a letter to their fraud department in Georgia. Which was on the third last attempt due to COVID. I am a XXXX  in the frontline I was distracted. but contacted Serve fraud and they asked that I resubmit ... which with understandably so with delay was submitted. I never got a formal answer from the fraud department which was necessary for me to include the local law enforcement at the XXXX XXXX  in this recovery. Whether it's unwilling or duplicity on their part. That is the question. submitted are the necessary documents that were requested. The last delay was due to COVID Thank you for a hopefully positive resolution
Consumer complaint received 2021-07-02
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. (GA)

I filed a dispute for accounts that does not belong to me XX/XX/2012 for accounts from XXXX XXXX and XXXX XXXX XXXX which does not belong to me they have not responded and its been over 31 days.
Consumer complaint received 2021-07-02
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. (GA)

I filed a dispute for accounts that does not belong to me XX/XX/2012 for accounts from XXXX XXXX and XXXX XXXX XXXX which does not belong to me they have not responded and its been over 31 days.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (NY)

on or about XX/XX/2021, {$280.00} was deducted from my checking account without authorization. I immediately contacted my bank at Direct Express Services with Comerica Bank where I receive my federal benefits. Since the initial contact with the provider they have not corrected this issue and refunded my funds.