davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FISERV INC. (IL)

Around XX/XX/XXXX I opened a Merchant account through XXXX XXXX for my small start up business : XXXX XXXX XXXX XXXX XXXX Tax I.D : XXXX Account was opened by First Data , Mechant ID : XXXX Terminal ID : XXXX Account was set up by XXXX XXXX XXXX A credit card reader was sent to me from a company called XXXX. Upon receiving the equipment my parking software vendor XXXX said : XXXX is incompatible with our system and the equipment was returned by XXXX XXXX using the same box and return label that came with. Equipment was never used, not even plugged in. 

Firstdata account was closed and never used either. Not even one transaction was made and I have never transacted through Firstdata in the past either. 

I continue to receive email invoices from XXXX. When calling XXXX it had changed names to XXXX, XXXX XXXX email address and phone number were disconnected. 

I contacted XXXX XXXX and spoke to XXXX XXXX ( XXXX ) XXXX XXXX in XX/XX/XXXX at Merchant Services who came back to me a couple of days after saying that the issue had been resolved and there was no active account and no moneys owed due to the simple fact that the account was never used and the equipment had been returned. 

Not only I still get email notices saying that XXXX will be debiting my account for my monthly service but now I am receiving emails from XXXX ( one of XXXX XXXX ) saying that my Business Credit report has a new alert. 

Upon login in to XXXX, which I had never done and looking out for my credit report it said that my credit score is low due to payments late more than 90 days. 

I called XXXX today XX/XX/XXXX and got to speak with XXXX XXXX ( XXXX ) who introduced herself as a supervisor for XXXX ( but her email is firstdata ). After a long conversation she transferred me to customer service at XXXX XXXX 

She is well aware of the fact that I never transacted with Firstdata,  XXXX, XXXX, XXXX and she is well aware that I do not owe any money to any of the mentioned parties and she is well aware to the fact that it is XXXX/Firstdata who have to remove the derogatory remarks on my business credit report as I have never had any business with them nor my business has any credit lines with any other institution either.
Consumer complaint received 2024-05-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (DE)

On XX/XX/XXXX, a Newrez employee misappropriated funds from my escrow account to purchase lender 's insurance for a policy that I had in place since purchasing the property in XXXX. I was unaware of this misappropriation until I received a late fee notice on XX/XX/XXXX. Since then, I have made over six phone calls, each lasting over an hour, speaking to numerous employees in escrow, insurance, customer service, and two supervisors. Each department blamed someone else for the problem. 

All of these employees fully understood the sequence of events. On Friday, XX/XX/XXXX, I called to complain that while they finally obtained proof of insurance and refunded the misappropriated funds on XX/XX/XXXX, they have failed to recalculate my payment or refund the erroneous late fees. 

My XXXX XXXX account is set at {$1000.00}, while the bogus charges by Newrez amount to {$1000.00}. The supervisor I spoke to informed me that as a supervisor, they can ONLY refund one late fee per account. She then said I would have to file a written complaint to escalate the issue. I requested that she escalate my complaint immediately, and she assured me that she would and that I would receive a call. I never received a response. 

In addition to requesting my complaint be escalated, I requested a copy of all my complaints be sent to me. Last Friday, it occurred to me that all these employees were aware of the sequence of events starting with the misappropriation of my escrow account. The name and number of the insurance company should have been in the file from previous years. There was no reason for me to provide the number three times before they obtained proof of insurance. Even after obtaining proof, they failed to correct the problems they created. 

On Wednesday, XX/XX/XXXX, the Newrez employee I spoke to said I have not paid the full amount in three months and if I wanted to avoid late fees, I should pay the full amount. 

The facts of my case clearly show that the employees understood the problem but failed to resolve it. If upper management did not orchestrate this behavior, they must evaluate and terminate those incapables of resolving the issue despite over XXXX hours of phone calls. The fact that a customer does not have access to a supervisor with the authority to refund three bogus late fees indicates upper management collusion. 

The challenge is not if Newrez attempted to rip me off, but how many others they have attempted to do this to as well. 

on XX/XX/XXXX I recieved a call from NEWREZ debt collection for over {$200.00}.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE FARM BANK, FSB (MS)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (CA)

I am not sure however, I believe that this company ( Convergent-XXXX ) is working in conjunction with another company ( XXXX XXXX XXXX ) to run a scam. This debt is not mine, no proof is given that this debt is mine and I have been receiving threatening and harassing phone calls at work and home. They refuse to identify the debt and what it concerns and are using tactics that are illegal. I am filing complaints with the Federal Trade Commission and the State Attorney General 's offices in California and Georgia
Consumer complaint received 2021-01-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have 3 accounts that I have been disputing with the bureaus continuously since XX/XX/XXXX! For this timeframe, they have not removed the account or done anything to help me. Then, during my last 2 sets of letters that I submitted to the bureaus ; they did not even acknowledge those disputes at all! I sent a set of letters on XX/XX/XXXX and again on XX/XX/XXXX, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them and it's already XX/XX/XXXX ).
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OR)

Hello, On XX/XX/XXXX my family lost our home in a wildfire. Insurance provided us with the check for the dwelling in XXXX and we immediately mailed it to United Wholesale Mortgage. The check was in my wife and I 's name and UWM 's as well which is why we had to send it to UWM. UWM proceeded to cash it, our loan balance showed {$0.00} and we are due back {$120000.00} which is the excess of the insurance checks over our loan balance. 

On XX/XX/XXXX UWM processed the check and mailed it, however due to a clerical error on their part with a butchered address, it never made it here and now it's back in their hands. 

Every time we call we get tossed around and thrown a new story, never any supervisors available and this last time they said they have to put a stop payment on the check and reissue which takes 30-60 days. THey are holding our livelihood and money we need and are relying on for far too long. They've had XXXX XXXX  insurance check cashed since XXXX of XXXX and it's now mid XXXX. We're scared and nervous at the incompetency of the company and how long this is taking. 

Please help! They won't help and it's just constant push back and delay delay delay, call back, we'll call you back and never do, it's just thing after thing. This company is run extremely poorly and incredibly inefficient from a customer perspective. 

Thank you. 

XXXX, XXXX XXXX
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

In XXXX I started my academic year at XXXX XXXX XXXX. After talking to my financial advisor, XXXX, who assured me this was not only a better choice as I had kids at home but they would also help me find a job through their internship program and help with job fulfillment at a reputable company related to my field of specialty, which was XXXX XXXX  and XXXX 

I finished my XXXX and tried for a very long time to get a job at XXXX XXXX, XXXX, and XXXX XXXX  who did XXXX and XXXX applications. After searching and searching the academic center called me one day to tell me congrats on my graduation months prior and asked if I had found a job. After telling the young lady I hadn't found a job yet, the rep asked me if I was interested in going further to finish my XXXX? I was kind of apprehensive but thought maybe this would help. After one semester in, my loans and grants came to a halt and I had no more funds. Not only that I got my first loan bill in, which was for nearly XXXX. I wasn't even working and my husband was currently a student there as well thinking it would help him with his current job in going further in the company. 

Well the joke was on us. My husband should have been apart of the student loan settlement in which he started in XXXX and finished shortly after. His loans are also through XXXX XXXX and he pays! Now we have XXXX terribly sick children and I cant work as Im constantly taking kids to doctor and I keep getting letters to pay and pay. I cant pay. 

Now my loans have racked up to nearly XXXX and I have no career. In fact I have been laughed at and mocked in interviews at the paper that I have called a degree from university XXXX XXXX. I can't get a job making enough money to pay this loan back. This is disgusting that this type of organization exists. My husband is paying his loans although he has not moved up any more in his company. 

I will be filing complaints everywhere and making sure not one person steps foot on this papermill college.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (MN)

On XX/XX/2024 XXXX I was discriminated on the behalf of my Consumer transaction With NAVY FEDERAL CREDIT UNION . 


Given the fact the Consumer transaction is Predicated on my behalf. It is a Consumer transaction because I wanted to access a portion of my unlimited credit Its called a remittance transfer for acceptance for value of my cestui que trust. 


15 U.S. Code 1611 - Criminal liability for willful and knowing violation 12 U.S. Code 83 - Loans by bank on its own stock 12 CFR 1002.2 - Definitions. Adverse action. 

( 1 ) The term means : ( i ) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered; ( ii ) A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditor 's accounts ; or ( iii ) A refusal to increase the amount of credit available to an applicant who has made an application for an increase.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (NY)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SD)

USAA Federal Savings Bank held a mortgage on property owned by my late father. I attempted to purchase the property from the estate, but the Satisfaction of Mortgage was defective, making title to the property uninsurable. I contacted USAA to correct the issue. USAA has refused to issue and record the correct Satisfaction of Mortgage.
Consumer complaint received 2023-02-07
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My phone is XXXX ( carrier is XXXX  ) However this phone # has somehow become ( incorrectly ) associated with a gentleman named XXXX XXXX XXXX, XXXX or XXXX XXXX XXXX, ( it may also be associated with XXXX XXXX XXXX, XXXX, his son ). 

XXXX XXXX XXXX, XXXX 's phone # is XXXX XXXX XXXX XXXX. I have spoken to him and he says that my number should NOT be associated with him. 

After much effort, I found my number linked to Mr XXXX on the website XXXX XXXX @ XXXX XXXX XXXX I contacted XXXX XXXX @ XXXX XXXX XXXX ( XXXX ) and was told they receive their public records information from TransUnion. 

Repeated efforts to reach someone at TransUnion have failed and I have left them numerous messages but have heard nothing. 

I want ALL credit reporting agencies - TransUnion, XXXX, XXXX, XXXX, etc. to remove my phone # from being linked to anyones records other than my own.
Consumer complaint received 2024-05-18
Product: Credit 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. (PA)

The company authorized a prior authorized user who was removed from a former account to charge purchases to that account when the account was closed. The company advised in writing that the account was closed and the authorized user removed on XX/XX/XXXX. The charges for those purchases were transferred to my then current account. The company has removed some of the charges but as of XX/XX/XXXX, {$79.00} remains in dispute. On the pretense of resolving the dispute, the company misappropriated a payment submitted for a charge in the amount of {$140.00} on XX/XX/XXXX and applied it to the {$79.00} balance in dispute on XXXX XXXX, XXXX, claiming the {$140.00} was disputed. When notified the {$140.00} was not disputed, the company reaffirmed its resolution on XX/XX/XXXX. 
The company received my formal dispute by certified mail on XX/XX/XXXX and was required to resolve by XX/XX/XXXX, maximum 90 days from receipt. 
In applying the {$79.00} disputed balance to the {$140.00} prior payment, the company changed the amount in dispute and is thereby required to provide explanation of any change in the amount disputed. The company did not provide that explanation in its statement of resolution or otherwise. 
Both actions violate the Consumer Credit Protection Act.
Consumer complaint received 2023-05-17
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance 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 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-01-14
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: Experian Information Solutions Inc. (OH)

There are recent credit inquiries that I did not authorize XXXX XXXX  - 2 times in one day. This is not correct.
I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX  XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

There are recent credit inquiries that I did not authorize XXXX XXXX  - 2 times in one day. This is not correct. 

I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX XXXX  XXXX  XXXX  XXXX