davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
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. (NC)

I first contacted XXXX  and TransUnion in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked XXXX   and TransUnion to validate the information with XXXX and provide me with any documentation connected with the accounts. XXXX and TransUnion did not validate the alleged accounts which are showing on my credit report. XXXX and TransUnion repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that XXXX  and TransUnion provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that XXXX   and TransUnion delete the XXXX line items from my credit report. XXXX has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, TransUnion also has not fulfilled this request. XXXX and TransUnion unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against XXXX, TransUnion and XXXX.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC. (CO)

I originally had service with XXXX XXXX  for my business. When the alarm broke in XX/XX/XXXX, they sent a sales guy out who signed me up for XXXX XXXX. Apparently the two companies were merging. XXXX continued charging for services they were no longer providing from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX began billing for services in XX/XX/XXXX. 

Since XXXX was already set-up from before, it continued to auto-pay against my credit card. I immediately called both XXXX and XXXX  XXXX on XX/XX/XXXX to point out the overlap and request a credit from XXXX - which I would then use to pay XXXX XXXX. The credit that XXXX agreed to was {$270.00}. 

I have been waiting since XX/XX/XXXX for this alleged check that they have issued to arrive. Since then I have called XXXX  and XXXX XXXX again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to update them of the situation. 

The entire time that I have been doing that, XXXX XXXX has reassured me that they were fine with the delay in payment and understood the situation. 

I have been receiving repeated calls since XX/XX/XXXX from a collection agency named Virtuoso Sourcing Group, XXXX. I finally found out that they were actually calling on behalf of XXXX XXXX. I explained to the gentleman on XX/XX/XXXX after they called twice in a row what the situation was and to stop calling me. He agreed. I have since gotten two more calls from them, this time from an agent named XXXX. When I explained the situation to her and that I was upset they were not stopping, she asked for written evidence of the situation. I agreed to email it to her but she refused to give me her email address and ended up hanging up on me. When I called the number back to talk to a supervisor and sort this out, the recording said that I was calling during business hours. It is unfair and shady that they can call me but I can't call them back after they hang up on me, or that I was unable to send written evidence of the situation when she refused to provide her contact information.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2018 at XXXX XXXX I deposited money into the Chase ATM at XXXX XXXX XXXX XXXX in XXXX, IL. I do not recall the sum personally but my reciept says that {$50.00} dollars was deposited : Deposited cash : 3 x {$10.00} 1 x {$20.00} Totaling {$50.00} On XX/XX/XXXX, a debit posted to my account for an item that was posted in error on XX/XX/XXXX. It is completely unacceptable that they took away my money. I have a receipt for this deposit and proof that this is my money. The Chase customer service line has transferred me from department to department and I spent a total of over 3 hours on the phone with them. Finally someone told me that they have to do an audit on the machine and have no time frame of how long that will take. It is unnacceptable to take my money from me when I have proof that this was my money.
Consumer complaint received 2018-06-18
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: Nelnet, Inc. (FL)

I am a XXXX XXXX  XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX  XXXX and Nelnet to process my XXXX discharge the loans were placed in late payment status. Nelnet sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from Nelnet to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXXXXXX XXXX XXXXXXXX./Nelnet Loan updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.
Consumer complaint received 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/XXXX I mailed my mortgage payment to PennyMac. Along with the check # XXXX, I included a letter with specific detailed instructions on how I wanted the payment applied. They ignored the letter and chose to apply the payment how they felt it should be applied. This has been happening for the past several months. I have reached out to them on several occassions to rectify the matter and they have not been at all helpful. Instead, their representatives have disrespected me, spoken to me unprofessionally and mistreated me. 

In this latest incident, they applied the overage to the principal and that is not what I requested. I was also charged a late charge and the payment was not late. They also received the payment on XX/XX/XXXX and put the received date as XX/XX/XXXX.
Consumer complaint received 2018-06-18
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: SYNCHRONY FINANCIAL (FL)

This item still appears on my XXXX  credit report. The source, XXXX & Synchrony Bank ( XXXX ) have confirmed that there is no record of the request and they sent letters to all 3 major credit reporting bureaus to remove it on XX/XX/XXXX confirmed in attached letter. 

XXXX has refused to remove this credit inquiry from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 
My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-todate info on XXXX Cybersecurity Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XX/XX/XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, showed up in 2 data breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (UT)

My wife and I have a mortgage with Banco Popular in Puerto Rico that we obtained in XX/XX/2106. We speak English only, and have told them on numerous occasions to send us servicing notices in English. They keep send important notices ( such as about hurricane insurance or property insurance ) in XXXX only. This is unlawful and needs to stop. When I tried to call again today, I got the runaround and finally was disconnected with no one helping me.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NJ)

Account paid in FULL via phone with Ally Bank : Tuesday XX/XX/XXXX. 
Ally bank can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 Ally Bank representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with Ally Bank. Recently spoke to ally bank regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with Ally Bank to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will  work with me. 
Please note : Married Name : XXXX XXXX XXXX EST. XX/XX/XXXX ) Maiden Name : XXXX XXXX
Consumer complaint received 2018-06-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

PENNYMAC AT THE REQUEST OF THE INVESTOR WHICH IS XXXX XXXX XXXX HANDLED THE APPLICATION PRIOR TO THE PRIMARY BORROWER WHICH PASSED XX/XX/XXXX. PRIMARY BORROWER WAS INSURED BY OPM/OFFICE OF WORKERS COMP SINCE XX/XX/XXXX. BOTH BORROWERS WAS TOTALLY TAKEN ADVANTAGE OF SINCE THE BEGINING WHEN AT NAUGLE REQUEST MONEY BE LOANED TO HELP RAISE THERE XXXX CHILDREN FROM INJURY. AT THE REQUEST THAT THEY WOULD RESPECT THERE WISHES TO BE ASSISTED BY SON THAT HAS THE ABILITY TO COMPLY AND COMPLETE AND MOST IMPORTANTLY TO BE ABLE TO ADDRESS ISSUES WHEN CLEARLY FEDERAL GUIDELINES ARE UNLAWFULLY BEING REFUSED TO COMPLY FOR NO OTHER REASON BUT TO DISCRIMINATE AGAINST MENTALLY ILL APPLICANT FOR THE INVESTORS FINICAL GAIN. THIS IS NOTHING ELSE BUT TO CAUSE SENIORS TO FULLY BE TAKEN ADVANTAGE OF AND CAUSE TO OWNERS TO LOOSE THEIR ONLY PLACE OF RESIDENCE. PENNYMAC NEVER ACCETED COMPLETED APP. ALWAYS ANSWERED AS NONCOMPLETE WITH EVER SOURCE OF INCOME BEING GIVEN & AWARDS OF SSDI, SSI. XXXX XXXX PRIMARY BORROWER PASSED WITH A WRONGFUL DEATH THE APP WAS DENIED AND RECOMMENDED FORCLOSUREWITH NO ASST PROVIDED OR RESPECTFULLY ALLOWING SON WITH THE ABILITY TO ENFORCE COMPLIANCE FOR ADDITIONAL OPTIONS TO SAVE HOME. TREATENED MENTALLY ILL APPLICANT WHEN SHE SHOULD HAVE BEEN RESPECTFULLY BEEN GIVEN THE TIME TO GRIEVE PENNYMAC DID NOTHING ELSE BUT TO SEEN WORKER FROM PENNYMAC TO FORCE THERE SELF IN SENIORS HOME FOR PICTURES AND TOLD CO BORROWER THE RESIDENCE WOULD BEEN FORCLOSURE WITHIN DAYS TO TAKE STEPS TO ASSURE VACANTING THE HOUSE WOULD OFFER ALITTLE TO NONE AND HER BELONGINGS WOULD BE TROWN OUT OF RESIDENCE INTO FRONT YARD 30 YEARS OF BELONGINGS. PENNYMAC AS WELL AS XXXX XXXX XXXX DOES NOT RESPECT OUR FEDERAL LAWS ASSURING TO ALL AMERICANS BEING A HOMEOWNERS IS POSSIBLE. THERE MAIN FOCUS AND ONLY CONCERN IS HIGH GAINS AND THE PROPERTY IS LOST FOR THEM TO TAKE OUR HOMES. 

THANKS PENNYMAC & XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK (CA)

On XX/XX/XXXX, I submitted {$60000.00} dollars to XXXX XXXX from my XXXX  XXXX XXXX checking account. Like many others, my account was frozen without warning for 60 days when I tried to withdraw money back to the same XXXX   XXXX XXXX account on XX/XX/XXXX. I called and was told that I needed to show proof of ownership of the checkings account and this was done for security purposes. 

This makes little sense, since I already transferred money in from the same account, so I researched complaints on this bank and was astounded to find the link below, covering many custoemrs complaints of funds being frozen 60+ days, after speaking to countless supervisors and promised certain dates, only to still not be able to withdraw funds. 

I've emailed and called XXXX XXXX, and have heard nothing but that a supervisor would call me back. My money is frozen in this account XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Verisk Analytics Inc (UT)

I have begun the process of working with the XXXXXXXX XXXX listed on your 2022 consumer credit reporting agencies list and publication. I am trying to work with XXXX XXXX by XXXX. I asked for 2 things from them. First, I asked for a report. They want me to literally fill out all of my personal information and email it to them before theyll provide me with a report. That seems preditorial and insecure and would put me at greater risk. I also asked them to put a freeze in place to not sell my data or allow others to query it to which they said that they don't have to comply with that part of the FCRA law. 

Can you help with next steps here? I dont feel like Im able to get anything with getting my report or putting a freeze in place.
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MN)

For the past several years, I had been received several calls for payment, when I stated I would like lower payment plan, customer service didn't offer much of a solution. 
They wanted the money. This had been going on for several years until recently-the past several months it had been less harassing. Currently trying to pay online, Navient has a pop up wanting to say " yes for sending emails '' and can not say no to this pop us, unable to may payment online, tried to call to make payment by phone. The computer system is down and to call tomorrow. Its affecting my credit.
Consumer complaint received 2018-06-19
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: Bread Financial Holdings, Inc. (NV)

I have a loan with XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX/XXXX  with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

XXXX XXXX XXXX held my eviction court appearance letter in order for them to win by default in XX/XX/2017. By doing so I had no knowledge of when to go to court which may have extended my time there allowing me time to get caught up.
Consumer complaint received 2018-06-17
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)

XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling Equifax and XXXX this and XXXX and they do nothing. I can not even get a credit report from equifax and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.
Consumer complaint received 2018-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TN)

On Thursday, XX/XX/XXXX, I decided to use Western Union to send an international money transfer for charity purposes. I proceeded to fill out the application online, which was somewhat difficult. I had messed up the name. Western Union would not fix the problem the first time I called on Thursday. I called back Thursday to cancel my transfer. The guy I spoke with stated he cancelled the transfer. Now, this morning I noticed it was not cancelled. I called once and got tired of waiting on hold for 25 mins. Then, called a second time to cancel my transaction. A XXXX, who I spoke with, said all I have to do is send my ID and my check/debit card to XXXX. I did as he said, and they still refused to refund my money! They said I need the receivers information. I'm trying to cancel my transaction not send the money anymore since I have been lied to twice by customer service, and that I messed up the name by putting two first names instead of last name. They still refused to refund my money. Each time I have spent on hold waiting, 20 to 25 mins only to hear false promises of refunding my money. The amount is XXXX and the transaction code is XXXX XXXX XXXX for Western Union to track.
Consumer complaint received 2018-06-19
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: SYNCHRONY FINANCIAL (KS)

i did not authorize this company or any affiliates to pull or inquire on my credit report. I did not request service or nor did I try to obtain service with said company. I called company sent a letter as well as the XXXX XXXX XXXX XXXX. Please correct and remove the inquire off my report.
Consumer complaint received 2018-06-20
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: EQUIFAX, INC. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.
Consumer complaint received 2018-06-20
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: Nelnet, Inc. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with Nelnet and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted Nelnet directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with Nelnet due to this issue and consolidated my loans w/ another Student Loan company. My Nelnet balance has been paid but the late reporting is still showing on all my credit reports.
Consumer complaint received 2018-06-19
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. (NJ)

The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NY)

I've contacted Allied Services back in XX/XX/2023, however, they won't disclose the itemized bill of the " collection '' that they are trying to collect, because they said I am not their client " XXXX XXXX XXXX then when I contacted the XXXXXXXX XXXX which was my landlord they told me that they can't help me anymore since my account was transferred to Allied Services. I tried to contact and contact them until I got hold of XXXX XXXX then I've sent him my moved in inventory that shows that the window was already broken, he said, He will removed the debt '. One month later they started calling me again then I spoke with XXXX and told her that I spoke with XXXX, she said that XXXX is no longer with the company, then I've explained and sent the email reference to her, she said that She'll removed the debt then I didn't hear from them then few months later they're calling me again, I've explained the situation but this time they told me that they can't help because I'm not their client. Furthermore, they did not send any mail or information that I have the right to dispute.