davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MS)

XX/XX/XXXX - Final Account Statement given by original creditor, XXXX XXXX of XXXX XXXX XXXX totaling {$1100.00} XX/XX/XXXX - Request for further documentation pertaining to charges in final account statement XXXX itemized receipts, carpet useful life and install date, etc. ) made to original creditor. No further contact from them. 

XX/XX/XXXX - Account placed with Transworld Systems Inc - Account # XXXX - Balance of {$1100.00} XX/XX/XXXX - Letter sent to TSI denying responsibility for debt, request for proof of validity, and notification of no availability between XXXX CST. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Recv 'd Date : XX/XX/XXXX XX/XX/XXXX - Response to request for validation. Documents to include validation consisted of documents already ascertained from original creditor XXXX XXXX XXXX Final Account Statement and copy of the lease ). 

XX/XX/XXXX - Call from debt collector attempting to collect debt at XXXX, no name given, call lasted 2 mins 56 secs. Collector was notified that I am refusing the debt in its entirety per the previously sent letter and lack of valid proof of debt. Collector said he would note this on my account. 

XX/XX/XXXX - Letter received from TSI with exact same contents as letter from XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Constant calls from TSI debt colllectors XX/XX/XXXX - Letter sent disputing debt in its entirety for third time with clarifying requests original made to XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, On XX/XX/2020 I noticed Transunion says i didn't pay a debt but XXXX has stated I paid in full which ill send you guys that so that transunion can update there records.
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (DE)

CFPB complaint XXXX has been closed without giving me a chance to reply. 

I am still waiting on paperwork for the closing. I have not received a statement since XXXX when believe I may have overpaid on the last payment amount. 

I am still waiting on the mortgage and statement paper by the mail..
Consumer complaint received 2020-05-15
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2018-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

The number of qualifying payments eligible for PSLF being reflected on my billing statements is incorrect. I have contacted the company several times by email and never receive a response, and I have also faxed them and mailed them all of the information proving that the qualifying payments are not accurate. The first fax they responded that my employment verification dates showed a start employment date that was prior to my employment end date which was just completely not true. I included the employment certification again, along with my credit report showing how many payments I have made on my student loans and every other piece of information I could find to prove the payments reflected are incorrect. I requested that a supervisor handle the request since my first attempt had been so blatantly blown off by somebody just trying to respond to the fax quickly without actually making sure their response was accurate. I have never received a response to the second fax and mailing or the many emails I have sent attempting to check on the status of this.
Consumer complaint received 2018-01-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA has raised my fix VA loan payment approx $ 176  monthly in retaliation for exposing their taking of a double hazard payment from my escrow account. USAA refused to return the mandatory over payments they charged me to makeup the shortage caused by the double hazard payment of approx {$250.00} and then charged me an additional approx {$150.00}. in fees. 

The increase in the monthly payment corresponds with the amount referenced above originally misappropriated to cover the escrow shortage created by their taking a double hazard payment and additional fees. 

USAA then continually changes the point of contact requiring that the new POC have a " few days '' to review the matter. This wastes time, causes significant delays and unearned fees to be collected even when USAA knows the fees are not valid. I have been unsuccessful in getting the assigned rep to return calls and the servicing company XXXX to answer or return calls. Both companies avoid the matter and if they call provide half answers or no answers at all again requiring a " few days '' to " research '' the matter.
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (CA)

On XX/XX/20 I spoke with a person in financing by the name of XXXX regarding my loan concerning the reason why I do not receive statements online or by paper. I was told that this company only service customers online. I also asked XXXX in the finance department, why my finance charge, interest, and breakdown on my loan is not showing online and I only see the payments made but nothing else. XXXX told me they do not give statements. So I explain to her I need a monthly account breakdown each month showing interest and other charges I am being charged each month in order for me to pay my car note each month and a balance break down in black and white on their website or paper statement, but this is important if they are servicing my loan. They must bill me fairly and show what they are billing me in black and white. Or they will give me no choice but to also contact the State Attorney Office also for assistance.
Consumer complaint received 2020-05-21
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. (AR)

I applied for a credit card and got denied. I was not told the reasn why i got denied, I went home and decided to get a copy of my credit report in XXXX XXXX and I saw various items that had been open. these items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.
Consumer complaint received 2020-05-11
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. (AR)

I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from Transunion, XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither Transunion, XXXX, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX   XXXX  or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.
Consumer complaint received 2018-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC (NH)

I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/2018 claiming that he was with XXXX, he was looking for a verbal statement from me for his final recommendation on a matter so he could submit paperwork. He reached out to a family member as well prior to contacting me. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. If I did not do this my wages would be garnished. I contacted the original debtor and was advised that my account was in fact transferred to a collection agency ; however the agency name was XXXX XXXX XXXX management and not XXXX ( where XXXX was calling from ). I tried to  contact XXXX at phone number XXXX, ( provided by the original debtor ) and was unable to get thru, a message from XXXX played that my call was not able to be connected. I XXXX XXXX for another phone number and was able to locate phone # XXXX, however to no avail there was a voicemail message asking for you to leave a message however their inbox is full and your call is disconnected. Please keep in mind I have never recd paperwork from this company ( XXXX ) in the past and now they are threatening garnishing my wages.
Consumer complaint received 2020-05-21
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. (NC)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX  XXXX {$1800.00}
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have spoken to several representatives for the company to remove the incorrect information. The account is reporting on credit profile as inaccurate information and hurting my score. This account is also preventing me from getting approved for items.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-05-21
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. (CO)

In the process of trying to purchase a home. When I received my credit report there are several accounts which are not mine. I've gotten help to get these things removed, in addition to paying for services that have not removed the listed accounts. 

I'll provide details in my attachments.
Consumer complaint received 2020-05-15
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. (AR)

My identity has been compromised. I found out because XXXX  XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$690.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX, XXXX XXXX {$510.00} XXXX XXXX   XXXX {$130.00}
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc. (CO)

I have filed twice with XXXX  that a debt for {$39.00} trying to be collected by credit systems inc of Colorado was already paid. Its a copay on a XXXX  visit. They told me I had nothing to pay then months later I was told I did so I paid it in full to my XXXX. The charge was {$35.00} and its been settled. The XXXX  is telling me they didnt send this to collections but credit systems are harassing me for payment. They have twice responded to XXXX  that they habe verified this debt. They have not. They are not verifying debts to be valid they are going off the initial information they received that is wrong. I know this because I called the XXXX  and they said its not in collections. They are illegally going after people to get invalid debts paid. I will be filing for legal recourse. Reporting them like this is step one. 

They need to be held accountable.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (KS)

On XX/XX/XXXX, I Received a direct deposit from VA-XXXX for {$10000.00}. I sent my Wife {$1300.00} and went to a Car Dealership in XXXX XXXX, Kansas. Found a vehicle my wife and I thought would be our next vehicle so we tried to finance the vehicle. Proceeded to finance it with {$7000.00} using XXXX XXXX. Had to split the transaction due to not being able to transfer that amount at once. Used {$3000.00} down from MoneyLion.

MoneyLion Locked my account due to " Spending more than {$10000.00} in 30 days '' -from MoneyLion Support Rep I asked the next person I called to transfer or maybe it was the same one, regardless the amount of times I have talked to the support is crazy. 
I tried to have {$4900.00} sent to my physical bank and it somehow ended up getting put into an investment portfolio which is down to {$4700.00}. I called to have it cancelled and corrected and then they froze those funds. 
It has been over 30 Days since I have started calling them more than once a week. They advise me every time to keep waiting for an email and that someone will be in contact. I have submitted my identity verification and everything. 

The {$3000.00} that was paid to The XXXX XXXX XXXX XXXX was XXXX. 
The Sales Manager was kind enough to refund the money after telling them what happened. I showed them my card number to use as a visual on their machine and they tapped it to their machine instead initiating it to go to a different card then the MoneyLion bank. 
The {$3000.00} got sent to XXXX XXXX. 
After weeks of going thru talking to people I found out the Money went to XXXXXXXX XXXX 
XXXX XXXX claims the dealership canceled the refund and they have no held Funds. 
XXXX in XXXX XXXX Says the Money was Sent to XXXX XXXX and there was no Credits to their Account. 
Besides for the {$3000.00}, the Money in my MoneyLion Investment account is down to {$4700.00} so it has gone down over {$100.00}
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America put a " fraud hold '' on my account and did not notify me other than by email. As I was out of town, I did not check an email or have any idea that they blocked access to my money. They declined my card for gas while I was on a trip and stranded me without any means of payment. Once I got the email, I notified them that the charges were approved, and they were supposed to take the hold off of my account. I drove to the grocery store and went shopping, and when I checked out, my card was declined, leaving me without any money or any food. Bank of America then had me call, where they sent me in to a cycle of automated recordings for an hour, then finally picked up, only to tell me that they needed to transfer me to another department. After another lengthy wait, I have now been told that my hold has been removed from my card. I want to get my money, and I am closing all of my accounts with BofA. A loyal customer for 28 years, they have turned in to nothing but white collar criminals that are funded by the government. I am appalled at the actions of my financial center and crippled by a {$12.00} charge that they used to freeze my money. This practice should be stopped, and if they are going to freeze someone's accounts, they need to at the very least send a text or call them to give notice. XXXX XXXX  does this, and I pay them far less than the {$12.00} BofA takes from me every month.
Consumer complaint received 2020-05-10
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. (TN)

For the past several years I have attempted to clear up the public record bankruptcy on my file. According to the court documents the person is XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The names are similar, but not the same. I have contacted the court house and bankruptcy court and both have told me that they have not reported to the credit companies. I also contacted XXXX XXXX several times with no help as they are the company who is reporting this.
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avadyne Health Holdings, Inc (IA)

Around the XX/XX/2016, I went to the emergency room. I had insurance to pay for the visit. I had both XXXX and XXXX health insurance. Well I have never received a bill from the hospital or anything and one day I was looking at my credit report on XXXX XXXX  and saw that the XXXX XXXX   Hospital turned in a bill into a creditor for {$8.00} XXXX XXXX  and it is the credit card t company called XXXX XXXX XXXX XXXX XXXX. I have disputed the debt collection with both XXXX XXXX and XXXX credit companies and I even told them that I had health insurance when I went into the emergency room. Finally after over 2 years of disputing the debt it was taken off of my credit report for about a month it was off of my credit report and then about 2 weeks ago it was back on my credit report. I am unable to dispute the debt online again because of the Coronavirus pandemic. I'm getting tired of disputing it and especially when I had insurance. It is not my fault that the XXXX XXXX Hospital didn't file the paperwork to the insurance companies that were supposed to do. It needs to be and should be taken off of my credit report because it shouldn't be on it in the first place.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX, I booked a XXXX flight through my Citi Premier Card using XXXX XXXX points worth {$800.00} as well as a credit of {$57.00} for a total ticket cost of {$850.00}. 

On XX/XX/XXXX I received an email stating that my flight was canceled due to the COVID-19 situation. Subsequently, I called Citi to obtain a refund of my points spent. Over the course of the next 4 weeks, I placed over 15 calls trying to get in contact with the company to find recourse for my situation. I spent over 16 hours on the phone trying to get this resolved as recorded in my phone records. I was transferred  between multiple departments from customer service, the XXXX points team, and speaking with supervisors. 

Ultimately, I was informed directly that Citi is opting to follow XXXX XXXX 's self-determined policy of providing airline credit rather than the U.S. Department of Transportation guidelines requiring airlines to provide full cash refunds on canceled flights. I am referring to the DoT Enforcement Notice released on XX/XX/XXXX stating " in the context of the XXXX Novel Coronavirus ( COVID-19 ) public health emergency, that U.S. and foreign airlines remain obligated to provide a prompt refund to passengers for flights to, within, or from the United States when the carrier cancels the passengers scheduled flight or makes a significant schedule change and the passenger chooses not to accept the alternative offered by the carrier ''. The notice is listed at this address : https : XXXX ). Again, the agent I spoke with stated clearly that Citi is opting to follow a company 's guidelines over that of the U.S. DoT. 

They are now unwilling to refund the XXXX points worth {$800.00} for my ticket and are instead offering flight credit to be used in two years, which is against the DoT guidelines for cancellations. They have however, temporarily provided a {$57.00} credit to my account to cover the non-point portion of my ticket purchase. There action is illegal and unacceptable. Furthermore, I will not be expecting to have the time to actually use this flight credit over the next two years during my medical residency. I am hoping that the CFPB can help resolve this issue and ensure that Citi follows clearly stated government laws.