davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-28
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. (FL)

i have been disputing an alleged account from XXXX XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX  XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX florida. i just want it removed from my credit report.
Consumer complaint received 2018-01-28
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. (NC)

I have submitted several disputes online through Experian Credit Reporting Agency, made calls to both Experian and the Department of Veterans Affairs concerning the account, and mailed Experian and the Dept. of VA a letter along with many documents that support my dispute about the account being wrongfully labeled as collection/fail to pay. 
They continue to disregard the documents that both show when the Dept. of VA made reference to my educational indebtedness of {$200.00} and the 30 days I have from the date of said letter ( XX/XX/XXXX ) to pay in full. I paid off the amount in full and received a conformation letter 23 days following the initial letter 's date ( XX/XX/XXXX ) that stated that they received the payment and the account is now PAID IN FULL. Despite having met the terms delegated in the letter, I was reported to consumer reporting agencies on XX/XX/XXXX, which is way before the 30-day deadline. To further support my claim of the Dept. of VA incompetence to provide valid information during the 4 times I've submitted a dispute/investigation against them for the same account ( the last one being by mail containing many documents and a hefty letter explaining the Federal Code of Regulations and the VAs inability to follow it explained under 1.916 ( c ), 1.916 ( d ) ( 1 ), and 1.916 ( d ) ( 1 ) ( i-iii ) ). The first 3 results of the dispute stated that I fail to pay/ '' collection '' for XXXX. The last and most recent dispute I submitted showed that they had changed their minds and moved the fail to pay to the month of XXXX, XXXX, instead of XXXX. However, I received a letter dated XX/XX/XXXX that the account is now PAID IN FULL. This clearly shows that the Dept. of VA has no idea what they are talking about, and have been feeding the consumer reporting agencies ( i.e. Experian ) false/undocumented information/lies. As for Experian, they failed to exert any effort in the MANY attempts to dispute said account, despite me handing them everything they need on a silver platter. Also, the times I called both the Dept. of VA and Experian, the associates were unable to provide an explanation for why the letters that were sent to me said one thing, and the actual outcome that transpired was not in the same ball park.
Consumer complaint received 2018-01-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (CA)

My mother XXXX in XX/XX/1995 and she had supposedly left me some money in an account but my family will not tell me where it is and I think they are with drawing money from it. how could I find out if this is true. The last bank I remember my mother having an account at is XXXX XXXX or Bank of The West, I did go into XXXX XXXX when it was open on XXXX XXXX XXXX In XXXX Ca but they gave me a no answer but she looked untrue answer, can you help me?
Consumer complaint received 2018-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (IL)

Hello, We are trying to avoid foreclosure at all costs whether its through a modification or a deed in lieu. The servicing of our loan was recently transferred on XX/XX/XXXXto Selene finance from XXXX. We have been sending all requested information to XXXX prior to the transfer with no response only for XXXX to tell us this week that they can not answer any of out questions any longer since Selene is the servicer as of XX/XX/XXXX. We called Selene finance all week and they have sais they do not have the file in the system yet to help or answer our questions. I advised them that the letter says it transferred onXX/XX/XXXX and the sale date isXX/XX/XXXX and we don't ; have much time. the reps at Selene have been telling us that it might take another week for the loan to be up in their system to help us. I told them that will be too late. They didn't seem concerned or willing to help. they told us to call an attorney or the previous servicer which already told us they do not have the file. We attached the transfer notice. Reason for default was due to one of the borrower 's XXXX. We are now financially stable after the hardship and are looking for a modification or a deed in lieu to avoid a foreclosure on the credit report. Apparently the banks need time to review the docs but know one is willing to help answer questions since the file is not in their system yet. Who can help us. We are desperate and in need of guidance. XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-01-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NV)

I opened a CareCredit Card from XXXX XXXX back in XX/XX/XXXX. I made a charge of {$3600.00} on the card for my XXXX XXXX in XX/XX/XXXX. When I got my first bill it showed that I was charged {$3700.00} and I didn't think much about it because when I opened the card my doctor told me how there was going to be a fee for using the card. So after that, I made automatic payment to the credit card company every month. Until at the beginning of this year on XX/XX/XXXX I looked at the bill and it stated that I still owe over {$2100.00}. So I looked over all the bills and it showed that I was being charged a Card Security Fee that I have never sign-up for, that XXXX XXXX added to my account without agreement or my knowledge of it. 
On XX/XX/XXXX, I called XXXX XXXX about the Card Security that they have added to my account without my knowledge and how I wanted a refund on all the fees and interest that they have charged me without my knowledge, which at the time I thought it was {$640.00}. But when I did the math again today they have actually charged me over {$690.00}. When I called Synchrony they told me that the amount is too high and I have to call Card Security to as for the refund, and I told them that I called Card Security before them and it didn't go through because they ask for an account number which I don't have because I never opened an account with them. So the lady at XXXX XXXX decided to transfer me to Card Security. 
When I got through to Card Security and the guy about my problem he told that he can't find my account and that if I want my money bank I should call the bank and he can start a file for me so they can " check out my problem '' for me and they will get back to me. I told the guy ok, and afterward, I called the Synchrony again. 
When I got through to Synchrony again and told the lady about my problem, the lady tried to redirect me again back to Card Security, and that is when I got really frustrated told the lady that it is illegal for them to add a random service fee to my account without my acknowledgment. After that, the lady said she made a note to my account about my complaint and then hung up on me. Now two weeks after the call I have been charged interest for the Card Security fee again. 
I am not the only one who has gone through this because I have found online forums where people discussed how they have had the same thing happen to them without their knowledge.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX I received a check that was written out of my same bank for {$120000.00}. I was to deposit it and when the funds were available I was to send a wire out of those funds of {$98000.00} to another account. I was told by the teller that the funds were immediately available. I said right now? She said yes. So on the XX/XX/XXXX I wired the funds through the very same bank. I was then instructed to wire an additional {$19000.00} to the same account on the XX/XX/XXXX. I did so again through this same bank. That night I receive an email that the check had been returned after they had told me it was good.
Consumer complaint received 2018-04-24
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. (LA)

I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

XXXX  credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ( bank credit card ) Transunion : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX  XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.
Consumer complaint received 2018-01-26
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. (CA)

XXXX Stores have reported that I have opened an account No. XXXX on XXXX XXXX, 2013, for a line of credit of XXXX XXXX Dollars ( {$100.00} ).

XXXX clamied that I made a purchase for XXXX Dollars ( {$40.00} ). 

I did not open the account. I did not make purchases from XXXX. Also, I received no bills or any information from XXXX indicating that I owe XXXX any due and outstanding amounts. 

I only found about this account when it showed up as a negative mark on my credit report. I wrote to XXXX to request more information or copy of the bill. XXXX failed to respond. 

I disputed the matter through Experian credit agency. XXXX refused the dispute and affirmed the negative account. 

I request XXXX to produce the charges I made and XXXX bill that it had been sent to my address of record. XXXX failed to do so and should remove the negative report.
Consumer complaint received 2018-01-28
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. (FL)

I received a vehicle loan from XXXX XXXX XXXX XXXX with term of 72 months and scheduled payment of {$470.00}. As of XX/XX/2017 my account has been paid in full, however Equifax as well as XXXX XXXX XXXX XXXX Account Status shows OPEN with a balance of {$18000.00} and last update to this account XXXX XXXX. Ive called XXXX XXXX XXXX XXXX several times regrading this issues and submitted a dispute through Equifax as well.
Consumer complaint received 2018-01-26
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: AMERICAN EXPRESS COMPANY (IL)

I signed up for a 0.0 % interest 6 month financing from American Express in XX/XX/XXXX. 

Every single bill since then I have had to call in because I am still being charged interest. I would call each agent at American Express and ask specifically WHAT AMOUNT DO I NEED TO PAY to keep my promotion and not be charged interest? They would tell me some story about some previous balance in XX/XX/XXXX ( although prior to this promotion I have ALWAYS paid my balance in full for the LAST SEVEN YEARS ). Each time I called the agents would tell me an amount I needed to pay to get rid of the balance that was being charged interest, so I would pay that amount plus more. The next bill comes in, and I'M STILL BEING CHARGED INTEREST for a 0.0 % financing promotion. None of my bills clearly stated the amounts I needed to pay to stop being charged interest so I kept paying more than the existing balance and more than the minimum. 
I tried to file a complaint with the agents at american express and no one has ever gotten back to me. I called again today and even the agents don't understand how I'm being charged interest or how the previous agents told me an amount that was not accurate to clear my bill. The latest story I received today was an agent " guessing '' that I was being charged interest because I signed up for their promotion in the middle of a billing cycle ... .again I AM THE CONSUMER how is it my job to decipher when I sign up for a promotion and how it affects my bill? If XXXX can not clearly and accurately bill me or tell me what I need to pay when I call, and I pay what they tell me to, this is not my fault. Clearly their system needs to be fixed. 

I find this a very misleading and unethical business practice, and if I am having this much of a problem that I need to call every month, I can only imagine how many thousands of other consumers american express is taking advantage of with their shady billing practices. 
They should not be allowed to advertise and have people sign up for a 0 % interest promotion and erroneously charge interest. If they are going to charge interest they need to be CLEAR AND PRECISE in their billing statements on the total amount that needs to be paid in order for interest not to be charged, because apparently every agent I called and spoke with had different ways of coming up with calculations and every time told me an incorrect amount. 

I don't have all of my past phone records but I do know that I contacted XXXX on XX/XX/XXXX and multiple times with various agents on XX/XX/XXXX which is also when I filed a complaint. And again today on XX/XX/XXXX.
Consumer complaint received 2018-01-28
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: Rocket Mortgage, LLC (NY)

Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX  already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First National Collection Bureau, Inc. (GA)

I am not aware of this XXXX XXXX XXXX XXXX  XXXX , XXXX. balance. I have never seen anything dealing with this lender. Also, I have been threated that in 30 days they will seek to make a judgement on debt that does not belong to me. I understand that they are looking to offer me a settlement. However, I do not believe the validity of such debt accusation. Furthermore, I will not be limited to the action of court threats when I did not receive any notice of debt based on communication. The amount is {$880.00} from XXXX which was acquired by XXXX XXXX XXXX in 2006. I do not claim debt.
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end of XX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

On XX/XX/XXXX I sent a U.S Postal Service Certified Mail Receipt XXXX to ERC which was received on XX/XX/XXXX. I asked ERC to verify that the debt that was placed on my XXXX   credit report under account XXXX for the amount of XXXX. In the letter it asked for them to provide me several items which they failed to do. The only thing that ERC sent was a bill that did not validate that I owe. I also did a search on the Texas Secretary of State website for ERC XXXX XXXX XXXX XXXX, FL XXXX and no results came back for this company address to collect a debt in the State of Texas. I would like for the company to provide me proof that they can collect on this debt and to provide me an agreement with ERC that authorize then to collect on this alleged debt.
Consumer complaint received 2018-01-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Evergreen Acquistions, LLC (CA)

Was contacted and left message informing me t

hat I was to pay and old pay da y loan with Evergreen Acquisitions that represented some lawyers. Debt was said to have been bought off from original lender and was now their righ t to claim all due debt.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (SC)

This XXXX XXXX XXXX was included in Chapter XXXX Bankruptcy discharged on XX/XX/XXXX I recently learned the debt has re appeared as a derogatory account still owed on all three credit reporting agencies on both mine and my wife 's credit reports, even though the original account was in my name only. Both names are on the discharge. Then on XX/XX/XXXX I received a collection notice from Diversified Consultants claiming the dept is now owed in the amount of {$860.00}. It appears to me that XXXX and the collection agency may have assumed the discharged debt would not be noticed, in an attempt to repost and collect the debt illegally. 

The collection agency ; Diversified ConsultantsInc XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (GA)

On XX/XX/2018, I noticed that there were 9 transactions on my account when I woke up that morning I noticed these transactions were done between the hours of XXXX and like XXXX, while I was sleeping. I reported it immediately thru their automated system, I could not dispute the transactions until the opened at XXXX. The total amount that was taken out my account was XXXX, plus fees, this card was stolen by either my secretary or my sister, they were the only ones in the home at that time. Of course they are both denying it, so I have to dispute. These people have access to my paperwork in my home, which I do have a book that I have to write everything down in. I reported this immediately, now I have to wait 10 business days for them to tell me if they can issue a provisional credit to the account, the sad back is that I have a daily withdrawal limit of XXXX on my account, they can not tell me how or why this was able to take place. Reading their disclosure I have a zero liability thru XXXX, and I have a credit card, and when it means zero liability they are supposed t issue provisional credit during the investigation. I am so upset with the lack of customer service.
Consumer complaint received 2018-01-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

My original debt was {$19000.00} in XXXX  after XXXX of paying the minimum payment of {$130.00} remaining balance is {$16000.00}. It shows a difference of {$2300.00} which only went to interest ... ( USURY ). 
On XX/XX/XXXX they raised the minimum payment to {$400.00} without notice of increase or phone call.

I called Navient customer service XX/XX/XXXX at XXXX XXXX eastern time and complained about the unannounced increase and only received offers to other payment plans that only lead to the same results of not ever paying down the principal.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (DE)

Spoke with a representative on XX/XX/XXXX, was told I could still deposit funds to counteract overdraft. 
My account was negative by XXXX - Now a refund of the fee is being declined. 
I 'm supposed to pay XXXX for a XXXX mistake? 
This is why consumers hate banks.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have an investigaton with CFPB involing XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disastersh hit Equifax says they need more time to investigate this I feel Equifax should change XXXX to Current never Late on my Equifax credit report