davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (CT)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2020-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

I received a letter that I am sure is a scam because I don't have a student loan, and I haven't had one since the late XXXX. This came in an envelope that looked just like it would come from the U.S. Dept of Education/Navient, but I'm reasonably certain it must not have because of the aforementioned fact that I don't have any outstanding student loan debt. It claimed that I had taken out two loans in XXXX and one in XXXX and that these are currently unpaid, and it was claiming they've applied a temporary disaster relief forbearance on these nonexistent loans. I am not writing because I'm afraid I owe money but rather, I don't want others to be somehow defrauded by whoever this is. I'm fairly certain it isn't actually Navient. Are you the people I would contact, or would I send a complaint to my local police? I just want to make sure others aren't taken in by this.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-01-16
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)

These companies all have not properly verified an existing problematic account reporting on my credit report. I have contacted them since XXXX. They never sent any documents from the letters I sent that properly verified this auto car loan that is reporting on my credit report which shouldnt be on there. All I keep receiving is letters from these bureaus stating " this was verified '' or " this was updated '' and never any documentation from the actual company. I am distressed that this issue has been going on for 6 MONTHS. This is ridiculous. This account needs to be removed from my credit report. There are laws that protect me as a consumer and they are going against ALL OF THEM. NO proper response and false validation or verification on their end.
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NJ)

I opened a citi gold account in XX/XX/2019 and I have referred 18 people to open the checking account. For each referral, I was told I will get {$200.00} bonus. So far I only received 17 bonus and I am missing another {$200.00}. The banker has confirmed I would receive 18 bonus back in XXXX Last month, I have contacted the banker who opened the account for me but no response so far. Below is the banker 's info : XXXX XXXX, Personal Banker NMLS # XXXX Citibank XXXX Branch XXXX XXXX XXXX XXXX  XXXX, NY XXXX Tel : XXXX Fax : XXXX Email : XXXX XXXX
Consumer complaint received 2021-03-11
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. (CA)

On XXXX XXXX, 2020, I made a purchase for {$750.00} using my Chase XXXX card which is linked to my XXXX account. XXXX the purchase was made through XXXX using my Chase acct - but the complaint is against Chase XXXX. My credit card was charged right away, and the item ( that was being made overseas ) was shipped. Almost three months later, the item had still not arrived and tracking info was lost. I was concerned that the item would never arrive so I called Chase who advised me that I should probably open a dispute since I would only be able to do so for another few days from then. 

I did open a dispute and advised the merchant that I would cancel the dispute if the item arrived. The item did indeed arrive on XX/XX/2020 and I immediately called Chase to cancel the dispute. Chase re-billed me on XX/XX/XXXX and to date, the merchant still hasn't been paid. 

After calling Chase Claims dept. MANY times and finally asked that they track where my payment went. The paper trail ended with XXXX. I called and emailed XXXX claims dept and they said that in order to release the funds to the merchant, they need to be notified through Chase that the dispute has been cancelled and the case is closed. ( I tried sending the same written confirmation to XXXX but they wouldn't accept it coming from me - they need to hear directly from Chase in writing. 

I called Chase several more times to request that they notify XXXX about the cancelled dispute but they said they're unable to do so and that they already did. I repeated ( as I had during several previous phone calls to Chase ) that according to XXXX, the have NOT been notified by Chase and as far as XXXX is concerned, the dispute is still open. 

I have spent numerous hours trying to have this matter resolved. I paid {$750.00} and want the merchant to receive my money for the item that I purchased. 

PLEASE SEE SUPPORTING DOCS WHICH SHOW THE RE-BILL, DISPUTE RESOLVE CASE CONFIRMATION & MY COMMUNICATION WITH XXXX
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$620.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-03-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I had called several times to the lender asking how to avoid interest fees and I followed the directions given to me over the phone and I was still charged enormous fees and I feel as though I was robbed and I am very disappointed. I also called and tried to strengthen this out and was told it would be and its still not done.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Capital Services, Inc. (CA)

XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Financed Services with XXXX XXXX/XXXX XXXX  {$2000.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Received a Collection Letter- {$800.00} ON XX/XX/XXXX Access Capital Services , Inc . 
XXXX XXXX XXXX XXXX, CA XXXX ACCT # XXXX XXXX Unsatisfied/Negligent Services Over Charges and Up-Scaling Services that were Not Needed Performed on XX/XX/XXXX. I Paid an Additional {$1000.00} and Still Pending to Get Correction on XXXX  that when I walked into his Office I Just Needed a XXXX XXXX was told a XXXX  would Better Suite me, he however did not Perform Services Correctly Leaving me with Lots of XXXX. I Financed Services, Never Received a Call Back Regarding Complaints, I Visited other XXXX  and After begging I got some of the Work Corrected and Still Pending More Corrections due to the Negligence of this Dr. A Simple Adjustment for Example on XXXX # XXXX I would wake up in the Morning with Lots of XXXX just needed to adjusted, XXXX  # XXXX still has an Open Contact was not XXXX correctly, XXXX  # XXXX a XXXX  was placed and was falling apart I had to go get it Redone cost me an Extra {$500.00}. the XXXX  on XXXX  # XXXX had to removed and Caused me to get a XXXX  for the XXXX XXXX   once his work was Removed an I Felt an Instant Relieve Another {$500.00} I have Spent {$1000.00}, per My Insurance XXXX XXXX XXXX I was Over Charged {$2300.00} ; My Responsibility to them was {$460.00} I Never Received a Corrected Bill I Did have to take time from work and look for other Dentist that would take me as a Patient to Correct the Work I do believe I'm Owed a Refund in the Amount of {$590.00} ( {$1000.00} out of pocket for Revised/Correction of XXXX XXXX Work - {$460.00} ) now Im getting almost after 2 years a Bill from a Collection Agency-Access Capital Services , Inc. that has Called me Multiple times till I had to tell them I was Going to Seek advise from an Attorney they Stopped Calling me they Called Me on Friday XX/XX/XXXX & XX/XX/XXXX I had to tell them to Stop I also Sent them Proof of my Insurance and Letters to them Demanding a Refund for the Unsatisfied/Negligent Services from XXXX XXXX.
Consumer complaint received 2021-03-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC (CA)

Someone called me from a company called " Capital Link '' stating that they were attempting to collect a debt from a PayDay Loan ( that is from over 10 years ago ) and that I already paid off. The person on the phone stated that they had my social security number. She then asked if I could elaborate more to which I responded I don't need to elaborate anything with you. I have full access to my credit reports from all 3 bureaus. I have nothing in collections and excellent credit scores. The fact that they called to " collect '' a debt which I'm either way past the statue of limitations on here in CA or I have already paid sounds extremely fraudulent and misleading. They also sent me unauthorized text messages from the same company of which I never opted in to receive texts from as well as contacted my mother 's home line and spoke to her in a threatening manner.
Consumer complaint received 2020-03-24
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. (NC)

XXXX XXXX  is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies
Consumer complaint received 2024-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

I received my bill as usual. Paid it, 2 days later ( after checking that they cashed my check ) I received another bill! Now they are saying I'm past due. 
I called them, they hung up on me without answering any of my questions.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-01-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans union has placed a public record on my credit file dated for XXXX of 2020 named Texas us bankruptcy and I have asked them to verify this information and send me proof of verification or remove them item and they have refused to send me proof verify this item.
Consumer complaint received 2021-03-11
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)

Hi, After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires, report is attached. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I got an email - see screenshot attached - that claims I made a purchase for {$790.00} in cryptocurrency. 

I have done none of that. 

the account manager for this company does not identify themselves. 

There is a number to call to cancel the transaction. I called my bank, and paypal to assure that money was not taken and blocked any purchase for such amount.
Consumer complaint received 2023-02-28
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 (PA)

Because I was never given written notice of any late payments, this lender is in direct violation of the Fair Credit Reporting Act.No messages.No letters.Additionally, I am aware that the Initial Disclosures can not serve as appropriate notification.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MA)

I made approximately $ 30k in purchases at XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I was encouraged by XXXX XXXX XXXX to open a credit card with them so that I could save 15 % -20 % .. I normally do not open store credit cards, but since the discount was so large, and on this size purchase, I did so, and it was clearly something they were promoting. The credit card is through Comenity Bank. I did not receive a statement from Comenity Bank until XX/XX/XXXX. The statement had a finance charge of {$27.00} and an interest charge of {$800.00}. I immediately contacted Comenity Bank. After discussion with 3 individuals with Comenity, they refunded the {$27.00} but refused to refund the {$800.00} saying that there was one statement prior to the one that I received and the interest accumulated since the first statement. However, I never received a prior statement, only the statement on XX/XX/XXXX. I don't know if they mailed me a prior statement, maybe they did or maybe they didn't. Perhaps it was mailed and subject to the USPS delivery issues we are currently having during the pandemic, exasperated by the XXXX holiday. I know I did not receive it. The general manager of XXXX XXXX XXXX escalated the issue with Comenity to refund the {$800.00}, but they would not budge. They have my credit report at Comenity and can clearly see that I pay my balances in full every month and they have my credit score, which is excellent. It is very suspicious for them not to be reasonable about the fact that I did not receive their first statement when it is widely known and on the news that there are widespread USPS mail delivery issues. Also, the first statement was due on XX/XX/XXXX and I called them on XX/XX/XXXX when I received the second statement - a very short period of time, why wouldn't I have paid the bill 10 days earlier if I had received it? It doesn't make sense for them to be so unreasonable. Perhaps they are doing this to make money. It is completely unfair for them to charge me interest for a bill I never received.
Consumer complaint received 2023-02-16
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. (NY)

XX/XX/2023 I sent in letters expressing some items that I am in disagreement with on my credit report. I kindly request that you guys fix the errors on my report
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

My mortgage is with USAA and I live in XXXX XXXX XXXX. New York is under a state of emergency due to XXXX. Governor XXXX XXXX approved a 90 mortgage deferment for New York. I called USAA and they have explained that the 90 day deferment is in effect in their systems. However, what was explained is that after the 90 day deferment, there will be a balloon payment due for three months which in my case would be {$8300.00}. The {$8300.00} will be due on XX/XX/2020 ( after 3 months ). The logical thing to do is to put the amount owed towards the end of the loan/at maturity. It does not make sense that there will be a balloon payment due after three months. New York is under a state of emergency, how can one  participate in such a program where a huge balloon payment will be due after three months? The proper solution would be to take the amount and add the amount at maturity.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

First sent all information to all three credit bureaus in XX/XX/2019 to correct errors on credit reports. Credit reporting companies never fixed problems or gave updated credit reports to me or my wife. Can't correct problems if the credit bureaus don't co-operate with federal laws.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I tried to create an online account with Equifax to add/remove fraud alerts and security freezes. The online portal failed to create the account and directed me to call customer service. Customer service tried to create an account over the phone. The agent was a foreigner and did not transcribe the information correctly, and when I went to sign in online I couldn't be authenticated. I called again and they tried to authenticate me using a mobile app that takes pictures of photo IDs, but this failed ( the IDs are glossy and designed to resist casual photos ) and the agents got upset that I'm wasting their time (! ). I've wasted hours trying to fix these issues and it seems like they don't even want to help me now. I can't even order a free online credit report ( via XXXX ) to see what info is wrong because the online Equifax portal is gatekeeping access to that too. I've been able to create and maintain accounts at XXXX and XXXX without issue.
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union (WA)

I had contacted FirsTech numerous times requesting them to update my credit and payment information with regard to my loan which was brought to current since XX/XX/2020. Yet as of today, the information has not yet been corrected and i had to finally to escalate the issue in person at one of their locations and was told " it will be taken care of '', which they had said to me many times in the past. 

This has causing the delay in my refi with another lender and having them questioning me for the loan status which shouldnt have been an issue had First Tech did their job at the first place.