davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted TransUnion via certified mail regarding a public record that they are inaccurately reporting on my credit profile. In my initial letter that was signed and received by TransUnion on XX/XX/18, I requested verification of the public record. TransUnion responded on XX/XX/18 indicating that the public record had been verified. I replied to their correspondence requesting the procedure for verification as I was concerned that the matter had not been subject to adequate investigation. I explained to TransUnion that I contacted the court indicated on my credit profile and the court denied providing any verification to TransUnion regarding the public record being reported. TransUnion is indicating on my credit profile that the public record was reported by the court while the court is denying they made any verification. I also provided letters to TransUnion confirming security freezes and opt out status from XXXX, XXXX, and XXXX that I was granted due to concerns of inaccurate items on my credit profile. 

It has been more than 30 days since I initially contacted TransUnion regarding this matter and despite requesting information regarding the specific contacts made ( persons TransUnion spoke to or contacted to verify the information they're reporting ) and process for verification of this item, TransUnion continues to refuse to properly verify the information they are reporting. The item has not been listed as disputed and the item has missing information noted in the tradeline. TransUnion is required to provide full and accurate information and provide verification when requested. Despite my ongoing requests, TransUnion continues in their failure to properly investigate and verify this public record.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TX)

I have requested debt validation several times with no response from XXXX XXXX XXXX regarding an account that they bought from XXXX XXXX acct # XXXX. I do not have any knowledge of this account and I would like them to provide a written contract with my signature that proves that this debt is legal and binding.
Consumer complaint received 2019-01-02
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2018, I sent a letter to dispute the late payments shown on my credit report. On XX/XX/2018, I received a letter stating that the account has been verified as accurate BUT did not send any verification documents proving the late payments were accurate. They also DID NOT mark the account as disputed within 30 days as required by law. They have not followed the FCRA and the negative remarks need to be deleted.
Consumer complaint received 2019-03-29
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: Experian Information Solutions Inc. (TX)

Experian will not delete XXXX XXXX XXXX account from my file despite it being an invalid account and neither will it accept that ultas reward credit card has also been closed. They will not update this on my account and this has caused Me to reopen reinvestigations just to clear these matters up. XXXX has   delivered on this promise exceptionally. I just do not understand what the issue is with Experian.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (HI)

On XX/XX/2018 I had XXXX deposited into my account and it also stated that the avail balance was XXXX. 
I have been waiting for this money it was suppose to be for kids for XXXX and that was the whole reason for opening the account with citi bank. So that I could at least make my kids XXXX a good XXXX due to the loss of their dad. Whom died in an car accident recently. 
. The accident happened on XX/XX/2018 it was on the news. He was our bread winner for the family and our love and support. 
My point is my kids already going through alot did not need to be disappointed on XXXX too. But they did not get nothing for XXXX and no fireworks on XXXX XXXX XXXX either. 
But they had no XXXX thanks to citibank. Some of them the customer svc rep was awesome but alot was also rude and not even making me feel like they gave me there all wen trying to help. 
They didnt have that drive in them, the drive to go above and beyond for me or anyone else. Me as a XXXX XXXX I go above and beyond my means to help customers. I would walk on fire for them. So my kids holidays was one big disappointment. 
I sent my documents via fax so now im jus waiting again. I'm very angry and mad at the service they provided for me. I dont reccomend this bank as a friendly bank. 
So my account is still on hold.fyi. This is a new account.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NC)

I contacted XXXX XXXX concerning my rewards for opening a credit card and making the initial charges. I met the terms of the offer, however, no one at the bank could confirm the rewards. The bank referred me to XXXX XXXX the bank partner and gave me the XXXX   XXXX number. The number given was of no help. I contacted XXXX  via personal messenger on XXXX. XXXX referred me back to the bank. When you research the credit card offering on XXXX it is impossible to find and XXXX is no longer offering the Visa card on their website.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1781 and they violated my rights numerous of times. I demand the accounts mentioned below to be removed because according to 15 USC 1681 : I have the right to privacy and o did not give XXXX written permission to furnish those accounts Accounts XXXXXXXX XXXX XXXX XXXX All hard inquiries
Consumer complaint received 2019-01-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (NC)

My home was damaged during Hurricane Florence. My mortgage company servicer XXXX decided to progress monitor my claim. This required me to endorse all checks to them. After finally getting the insurance company to approve the damages and finding a contractor that was willingly to work with me and meet the requirements that the mortgage company servicer set forth, the work began on my house XX/XX/XXXX. The mortgage company servicer stated that before work began I would be sent 25 % of funds to pay the contractor. An additional 25 % would be paid when the contractor was at 50 % completion of repairs and the remaining 50 % when the work was completed. I requested the inspector to come out to inspect the property on XX/XX/XXXX. Per there policy the inspector was to contact me with 6 days. It is now XX/XX/XXXX and I havent heard from the inspector. Whenever I call XXXX requesting an update they put me on hold for extensive times and tell me they sent it to the escalation department. I didn't receive the full 25 % up front. Of the XXXX they are holding I have received only {$2000.00}. The contractor is waiting on funds and the repairs are 100 % complete.
Consumer complaint received 2019-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

Hello My private student loans were initially handled by Sallie Mae until Navient took over. I have been paying my loans on time for the last 7 years and the throughout this time I have been noticing the monthly payments are increasing and the portion of the monthly payments is going towards the interest and not the principle balance. I called Navient regarding the matter and their response that this is out of their hands and the interest varies based in the stock market rate!!!. I explained to Navient that if my credit score has been improving, my principle balance is decreasing and my on time payment history is excellent, why would my interest change and my monthly payment is increasing?. 

I also applied for a release of cosigner request, providing them with documentation that I have been paying Navient on time for the last 7 years and proof of graduation and U.S citizenship, but they still rejected the request based on invalid reasons. 

I really believe as a borrower that we need a break. I keep paying for money that I have borrowed almost 15 years ago when I was young and nave and unaware of the consequences. I really need help to get out of this never ending loan payments
Consumer complaint received 2020-04-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I was scammed out of {$750.00} trying to make a purchase using XXXX XXXX XXXX and my JP Morgan Chase bank account. in the total of 3 transactions the first was XX/XX/2020 fro the amount of {$350.00} trans action # XXXX XXXX the second was for the amount of {$250.00} on XX/XX/2020 Transaction # XXXX XXXXand the final payment was on XX/XX/2020 for the amount of {$150.00} transaction # XXXX, I have not received the product and the seller stated he would not return the money to me unless i payed him more money. I stopped communicating with the seller and contacted both companies and was told they can only tag the other persons account for no further activity. I feel this is not fair and something has to be done about it. I am out {$750.00} and no one can help me with the recovery. Is there anything I can do.
Consumer complaint received 2019-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (OH)

Collection item added to my credit report in XXXX or XX/XX/XXXX. For XXXX dollars from XXXX hospital but now with GLA collections. I spoke with GLA in the fall XXXX and the CS said he would send me information about the debt. They had the wrong address and I had received nothing in the mail and no phone calls. He said it was from an emergency room visit in XXXX. It wasnt me! I have insurance and nothing was on my insurance either. After not hearing back, I wrote to them with the last 4 digits of the account number that I had from my CBR, my DOB, address and last 4 of my SSN. They sent me back a letter saying they couldnt find an account.
Consumer complaint received 2019-01-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

As it pertains to the credit bureau of XXXX, XXXX, and Experian and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the XXXX   credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the XXXX XXXX XXXX report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc. (CA)

The jackbooted thugs of MONARCH RECOVERY XXXX have called us at XXXX pm on XX/XX/2018, at XXXX pm on XX/XX/2018, at XXXX am on XX/XX/2018, and at XXXX pm on XX/XX/2018. 

I believe that 4 consecutive phone calls with no msgs left in my voicemail constitutes harassment. 

We are seniors and have no outstanding loans nor debts. We have even told these thugs via email to please stop calling our home phone number, yet these tyrannical bullies won't stop calling. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. XXXX XXXX XXXX XXXX http : XXXX
Consumer complaint received 2019-01-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harpeth Financial Services, LLC (TN)

I took out a {$1000.00} flex loan with XXXX XXXX in XXXX TN in early XX/XX/2018. I was working a lot of hours and forgot to make the payment on it. I never received any phone calls or letters from the store or company at all after taking out the loan, so I forgot about it completely. That is until a sheriffs deputy showed up at my house to serve me with paperwork for court. I contacted XXXX XXXX in XXXX TN - the firm listed on the paperwork - regarding the paperwork and was informed that it was due to the flex loan with XXXX XXXX. They told me the only way to avoid court - and garnishments and other negative information showing up on my credit report - was to setup payments with them of a minimum of {$200.00} per month. That was more than I could reasonably afford - and there was no debt to income analysis done - but since I wished to avoid all of the negative consequences and I was unaware at the time that I could have possibly obtained better terms if I went to court, I agreed and have been paying them {$200.00} per month by bank draft since then - all without STIILL receiving any paperwork stating how much I owed originally or how much my remaining balance is. 

I have been trying for over two weeks at this point to make my next payment and have been unable to reach anyone at XXXX XXXX to take my payment or to get anyone to call me back. I have even reached out to my local XXXX XXXX location for help in reaching them and all they could offer was to keep calling the number - and that the law office was in the same building as the XXXX XXXX corporate office. 

I know that I took out the loan, but I feel that XXXX XXXX took unreasonable advantage of this situation by not notifying me of my debts and payments. Furthermore, I have attempted in every way to keep up my agreement, but XXXX XXXX is not making themselves available to keep up their end and accept my payments and causing me undue stress about my situation in the process. And, I still have no idea how much I owe, if my loan has been properly moved to default, if I have any further options, etc. All in all, these two companies manipulated and bullied to take advantage of the situation.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I applied for a credit card with my bank, set up auto-pay, and consistently paid for the card I applied for. However, I noticed my accounts were being deducted twice for an unauthorized credit card. Despite bringing it to the bank 's attention, they didn't clarify the issue, and I stopped payments for the unauthorized card. I reported the problem to credit bureaus, but the bank refused to remove the account, resulting in a delinquent charge-off, negatively impacting my credit.
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (MI)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

I have filed a complaint yesterday about two other issues and now there is another one and since I requested they go fraud as they should have done on the first two and refused I now have the account closed waiting a new card and they will not give me any information reguarding anything on the old number and I can not se what is taking place. Paypal blames Synchrony Bank and you have to talk to another number which blames in reverse Sycnhrony Bank then blames Paypal and this has been going on for years it is a Paypal Mastercard issued by Synchrony Bank why so much trouble and they make everything very difficult like this transaction of XXXX on XX/XX/23 it took hours to get it anywhere to be fixed. They are not nice or easy to deal with. Also they are now showing me a - {$1500.00} Paypal Balance requesting me to add oney to resolve that issue which is in fraud or resolution to be handled and they are still trying to give that money to a fraud action from someone else. I am XXXX and need this resolved and I don't need all this stress as I live in pain XXXX and also a XXXX XXXX of the XXXX XXXX XXXX XXXX this is all adding to my pain and stress and fighting so hard to get this fixed and feel like I am getting nowhere. I waiting for a new card so have no access to my stuff on paypal which is kind of weird.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AZ)

In XX/XX/XXXX, I purchased a home in the XXXX, Arizona area. I work for a XXXX XXXX and due to the Government shutdown, I was not able to pay my XXXX mortgage payment. I have attempted to work with the current loan company but they have not been helpful. I am still unable to make my payment. However, upon coming across this issue, I am also trying to sell the home I am currently living in. It is listed for sale for the past 2 months because of medical issues I was also having previous to the shutdown. In that time, the relationship with my boyfriend ( non-marriage or in process of marriage ) had ended in XX/XX/XXXX. I am the only one on the  loan but had added my boyfriend to the title in XX/XX/XXXX. My boyfriend gave me a gift of {$40000.00} to purchase the home for us from the sale of his previous home ( see attached gift letter ). Since the end of our relationship, my previous boyfriend has sought legal counsel to get his money back from me despite signing the gift letter. He also reached out to the lender that issued the loan to me and had him sign a letter saying the money was a gift and should be retured to my previous boyfriend ( see letter from the lender attached ). I can't help but feel that my previous boyfriend and lender conspired against me from the beginning. The lender acknowledges he was trying to satisfy " the guidelines '' to get the loan approved. I truly feel this is fraud committed by the lender and a conspiracy to extort money from me. I further feel this was a scheme planned out by my previous boyfriend with assistance from the lender to take money and my home from me. I have an order of protection against my previous boyfriend for XXXX   XXXX ; I am scared of his actions. I don't know what to do and need help while I try to sell my home. Thank you for listening and considering my concern.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NJ)

On XX/XX/2019 the company AFNI charged off {$820.00} onto my credit report. All three credit bureaus are not reporting this as a collection and it is severely impacting my credit report. 
I disputed this account as not mine on XX/XX/2019. On XX/XX/XXXX I received a notice that my dispute was completed. I check the results and the credit bureau said the account was mine. AFNI has not furnished any prove saying this is my debt. Accordingly to the FRCA, AFNI has to repot accuraly which they have failed to do so.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Miller, Stark, Klein and Associates (OR)

I was receiving harrassing recorded voicemails on our business line ( where we have other employees answering and checking messages daily, but not any on my personal cell that I recall. On XX/XX/18 was the last day to date I received a normal voicemail on my cellphone ( XXXX XXXX is carrier ). I received a few missed calls from my sales accounts but no voicemail was left. Only when an account/friend of mine texted me alerting me that my voicemail was rerouting/forwarding to a collection agency in North Carolina. I called my cellphone number from our office line and expected it to go to my outgoing vm message for work, but instead it also went to this company : XXXX XXXX XXXX I spoke with the customer service person who answered and asked why my personal cell number without any authorization from me to do so, was forwarding to their business? He asked " Is this XXXX XXXX? '' which alarmed me since I called from our business number but did answer " yes this is she ''. He then asked if my social was : XXXX which it was, but I was very alarmed he had my personal info so I said that was incorrect and how did they acquire any personal info from me and what was this regarding. He noted an amount of a debt ( but could not disclose the creditor ) of around {$750.00} but they were willing to settle for {$500.00}. I felt this was a scam or identity theft/fraud so I took down their contact info and I asked him to let me speak to a manager but he hung up on me. 
Made several attempts to speak with someone and find out how/why they had my voicemail routing ( which was affecting my business as a salesperson who relies on accounts to call and leave orders on voicemail. 

I filed an online complaint with the FBI and the FTC. I then changed my phone number with XXXX XXXX online, after updating and order new businesscards with new number, sending out updated info to all of my friends, family and colleagues. My new number has now also been hacked and now my voicemail message is now routing to this same debt collection business. 

I want to know how to pursue legal action against this company for id theft, fraud, and any other criminal activity a legal pursuit may turn up.