davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I received a copy of my credit report and found the following Item ( s ) to be INACCURATE 1. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 2. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 3. INACCURATELY REPORTING XXXXXXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 4. INACCURATELY REPORTING XXXXXXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 7. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 8. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 9. INACCURATELY REPORTING XXXX XXXXXXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 10. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 11. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 12. INACCURATELY REPORTING XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 13. INACCURATELY REPORTING XXXX XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 14. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 15. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 16. INACCURATELY REPORTING XXXX XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 17. INACCURATELY REPORTING XXXX XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 18. INACCURATELY REPORTING XXXX  XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 19. INACCURATELY REPORTING XXXX XXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 20. INACCURATELY REPORTING XXXX XXXX XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR 21. INACCURATELY REPORTING XXXX XXXXXXXX VERIFY ACCURACY WITH ORINGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED Items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months. 


Sincerely, XXXX : XXXX Without prejudice Without Recourse
Consumer complaint received 2022-09-14
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. (TN)

Equifax is continuing to report a collection which is not accurate and closed. The debt agency has contacted and provided Equifax with the necessary documents to remove collection for XXXX XXXX XXXX but they continue to report the debt. This causing damage to my credit report and causing me issues with closing on my home. I have reached out to Equifax several times by phone and filing a dispute with no resolution.
Consumer complaint received 2019-12-06
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. (NJ)

This credit company is listing an account from XXXX. This account was included in previously discharged chapter XXXX. They refuse to remove account.
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

Referencing XXXX  complaint number XXXX. With Shellpoint Mortgage The long and short of it A few years ago when Shellpoint took over my mortgage, my payments were misallocated, to where I dont know. 
They threatened with foreclosure.. 
I sent them the every cleared check to prove I was not late, in the midst of this they reported me to the credit bureau and ruined my credit, they refuse to fix this. 
XXXX at the XXXX  has been working with me, suggested I contact whistle blowers. 
Till this day they are claiming I am late and charging late fees, which I am not. 
In a written response to the XXXX  Shellpoint was to return my mortgage in good standing and has not.I receive weekly standard correspondence that says we are working to gather information This has been going on for 2 years and Ive suffered enough stress over this and want this fixed. Its terrible a mortgage company can control a person. 
They also have threatened foreclosure, Including sending someone to the house to photograph it for them. 
I really could use your help. 
Thank you
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX I received a {$200.00} XXXX  card from my parents ending in XXXX to Best Buy. I tried using that card on XX/XX/XXXX ( see attachment ) to buy a set of XXXX XXXX XXXX, best buy order number ( # XXXX ). I selected courier shipment for same day delivery. My order was not delivered. On XX/XX/XXXX I received an email stating that my order could not be delivered and it was returned. See attachment for email and receipt for return transaction taken place on XX/XX/2022 at XXXX. 

Note the email states : " Unfortunately, XXXX was unable to deliver your package so they're returning it to us. 

We'll begin processing your refund for the item ( s ) included in your package as soon as we receive the return. For more details, see the What You Need to Know section below. '' Then under the " What You Need to Know section '' it states : " If you used a Best Buy gift card, it will be credited with the refund amount ; if you no longer have your gift card, contact us and we'll send a replacement '' The original gift card ending in XXXX has a balance of {$0.00}. 

On the return receipt it shows that a gift card with {$200.00}, ending in XXXX, was issued. This return was performed by the store, I was never there ( as I elected courier shipping via XXXX ). 

I tried contacting best buy customer service ; they stated I had to contact a third party at XXXX. That third party could not find the order using the full XXXXXXXX XXXX card number ; they said without the original order number of the gift card they can not help me ; I do not have this as it was a gift. I tried calling Best Buy 's XXXX  card center at XXXX. They state that without the original order number they could not help me ; they could not look up the order with my email address as the recipient. This is rather frustrating and I feel Best Buy is harming consumers by requiring a gift card recipient to have the order number for the gift card, it's a gift! Why would the recipient have that!? 

I find it very frustrating to be pushed from XXXX call center to the next ( XXXX in total ) and no one can help me. I feel like someone at the store issued a gift card ending in XXXX to someone who was not me and stole the {$200.00}.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (GA)

On XX/XX/2023 I attempted to apply for a house and was immediately denied by The Saferent company due to supposed information pulled from the credit bureaus. The Saferent company is purposely reporting inaccurate and incorrect information in regards to my credit file. Per the Saferent company all of the information they have on file was pulled from XXXX, XXXX and XXXX. The company also acknowledged that they know that there is a fraud alert on my credit profile but has not removed any or all information in regards to the alert and XXXX did not contact me to confirm that it was I that submitted the application as it is listed to do so on my credit file currently with all of the bureaus. Because of their gross negligence it resulted in an inaccurate denial of the rental property.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have tried contacting this company multiple times to let them know that I was a victim of identity theft. I am a woman and apparently a man with my social rented a apartment with my social somewhere in the XXXX XXXX XXXX area. I even tried contacting the apartments personally to let them know that I was the victim of identity theft. I have provided proof that I was a victim of identity theft. And they still refuse to take this off my credit. I have provided my driver 's license with my address that I have lived at for over 7 years and clearly showing that I am a woman and not a man.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I started my Capital One account and have never made a late payment. All of my payments have been on time, and I have even paid 10 times over the minimum amount. While having the account there were two payments that didnt go through. The payments that didnt go through was because of fraudulent activity that was cleared up through my other bank but those payments were also not payments that were even due. I was just trying to do good by my credit company. After I sent them a claim because of the data breach they used the two times my payments didnt go through as a reason to XXXX down my account. Their policys are unlawful and discriminatory. They charged me high interest fees and yearly fees that were not supposed to be there. I will be taking legal action if this does not remedy my situation.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 Staes I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past six years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX  and was paid in full, XXXX shows thansfer XXXX and Equifax shows Charged off with different dates. 

15 U, S, C, 1681 Section 602 A. States i have the right to privacy.

15 U, S, C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I am in XXXX  school and taking half time classes for about a year already. Navient is requesting I pay student loans EVEN WHILE IN SCHOOL HALFTIME. This is unfair and highly unethical as I try to pursue my XXXX. I am studying to become a XXXX  XXXX at XXXX XXXX XXXX and have sent them documents on XX/XX/XXXX stating I am taking halftime classes WHICH THEY ACCEPTED. What they are doing is wrong and they are unprofessional as i have been taking HALFTIME COURSES ALL YEAR.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

Refinanced primary residence mortgage with Loan Depot which was to close on XX/XX/19. Disbursement date was supposed to be XX/XX/19. Received automated email on XX/XX/19 that my mortgage was funded. I received a late fee notice in the mail from original mortgage company since the loan was not paid off by XX/XX/19. I reached out to my contact at Loan Depot via email on XX/XX/19 requesting when my loan was going to be disbursed. She responded on XX/XX/19 and indicated the settlement agency ( XXXX  XXXX  ) was running about a week behind on " payoffs ''. My original mortgage was then paid off on XX/XX/19. I was supposed to receive {$1800.00} cash to close per the Closing Disclosure. I have not yet received. I prepaid interest from XXXX in the amount of {$560.00}. I emailed my contact at Loan Depot via email again on XX/XX/19 asking them to wire my money ASAP and never received an email back. I called the contact with XXXX  XXXX  listed on the Closing Disclosure on the morning of XX/XX/19 and left a voicemail to call me. I finally got a hold of a live person on XX/XX/19 from XXXX  XXXX and she said she would put a rush on the payment. I asked her to give me a date the funds would be settled. I have not heard back.
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I asked them to stop calling my phone they call a couple times a day and wont give u any information unless u give them personal information I asked them to send me a letter they did not. This is my second complaint against them and I will Keep filing they are very rude
Consumer complaint received 2022-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-12-06
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2019-12-06
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX, I received a noticed from USAA stating that my account was past due by {$10.00}. I called them on XX/XX/XXXX, to find out what happened. I was told XXXX that they did not receive my XX/XX/XXXX payment. I gave the information regarding the payment and said that my payment was sent on XX/XX/XXXX. As a result of their " not receiving my payment '' they charged me a {$15.00} late fee. 

This makes at least the fourth time in the past year XXXX years that USAA has claimed to not receive my payment and has charged me at late fee. Over the past two years, they have reversed only two of the late fees due to a " lost check ''. I routinely pay my bills via bill pay and have not received any complaints of a check -- USAA is the only company that seems to have this problem. 

During the call I also asked XXXX to send me a printout of the late fees charged to my account over the past 10 years, and she said that USAA did not have the ability to process such a report request. She said that a lady by the name of XXXX from billing gave her this information to pass on to me. She would not allow me to speak to billing directly. 

At the end of the conversation, XXXX refused to reverse the late fee and she refused to send me the information that I had requested.
Consumer complaint received 2019-12-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COAST PROFESSIONAL INC (FL)

Since XX/XX/XXXXI made a " forced '' payment arrangement with an agency which represented itself as a representative of the Department of Education, all this after having tried numerous attempts with the Department of Education directly to reach payment arrangements with them which were in vain since they always rejected my request. 
All this was based on an alleged document they had sent which I never received since it was sent to an address in which I did not reside and I had moved about 5 years prior. Since then it has been an ordeal with the Department of Education. The first thing is that after having made the payment arrangement with Coastal Professional in which they assured me that I would not have any problem as long as I fulfilled my monthly payments for which I allowed them direct debit from my bank account, in addition to making sure that After 9 payments I could reach a direct payment arrangement with the education department, this was never to happen. I had been making the payments properly, they got into my salary and took monies which came from my employer, when I complained they blamed to the Department of Education for this, when I complained to the Department of Education they blamed Coastal Professional and thus nobody was responsible for any explanation that asked. I started a complaint process directly with the Department of Education because they had not complied with the treatment through the agency that represented them and for the supposed document that was not my fault they would send it to an address in which they no longer resided. They had a deadline to answer me which they did not meet if at that time they did not answer they had to stop the debits of my salary, for which I also had to call them. My surprise was such that after 10 or 12 payments with Coastal professional in more than one occasion I called the Department of Education they told me that they had no notification that I was paying through any agency, then I explained that payments were being debited from my bank!. Anyway, the agency constantly asked me for documents because I decided that what I sent them was not clear, which was false, they suddenly stopped debiting me from my account and in the middle of that process they also kept money from my refund ( IRS ) Again I complained again because they did not answer me or give a solution to my case, they could not do it again, for the last time they blamed each other again Collection Agency vs. Department of Education. They never answered me or solved anything, they took money from my salary, they charged through the agency and in 2 occasions of my IRS refund. Even so, the debt appears to me in the credit bureau, they reactivate it constantly and I have the fear that the IRS will also claim some kind of lean against my taxes yet again.
Consumer complaint received 2023-02-04
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: JPMORGAN CHASE & CO. (FL)

This is regarding a dispute resolution regarding the {$1200.00} charge from XXXX XXXXXXXX on my Chase credit card. 

We paid a {$1200.00} business upgrade fee to be seated in business class. When we go tot he airport we were held at the counter for 1 hour only to be told at the end of it that we could not be seated in business. Our family was also separated and we could not seat together despite having an infant with us. We requested a refund there but they refused to do anything and instead told us to contact the airline after the flight. I contacted the airline and never heard back since filing the inquiry in XX/XX/2022. It has been 4 months and this company has never gotten back to us. That is why I filed a dispute with Chase since I never received the service I paid for. Chase has done nothing about it over and over. 

I filed the dispute after following their procedures and being shamelessly ignored. I received an email from your department with many pages of useless paper which is apparently the airlines response. Evidently no one at Chase bothered to review the papers because it shows where we were seated on our flight which were ECONOMY SEATS. Yet CHASE sided with XXXX XXXXXXXX despite their own documents showing that we were seated in economy even though we paid a business upgrade of {$1200.00}. 

I have been defrauded and ignored by XXXX XXXXXXXX and Chase is refusing to do anything about it. You need to give me my {$1200.00} back because I never receive the service I paid for.