davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (PA)

Attempts to contact Discover Student loans took place on XX/XX/XXXX, XXXX, and XX/XX/XXXX. My concern is that the company is ignoring me without any concern for my personal consequence as a result of their error. Those consequences are accrued interest on principal paid, bank fees ( 2 )  due to Discovers unauthorized withdraw from my account totaling {$58.00}, and personal distress as it has been over a month without resolution to this problem. It is unacceptable that a giant company such as Discover can treat me this way after profiting so much from me. 

On XX/XX/XXXX a student loan payment was made directly from a bank account. The website which is suppose to reflect the payment immediately reflected an incorrect and less than authorized amount. 

An additional payment was scheduled within the same week taking into account the reduced prior payment as acknowledged by Discover. Days later the original payment for the full amount requested not the reduced amount listed on Discovers website posted to my account. This caused the second payment made later in the week to be short and incur the fees mentioned above. These payments were intended to pay the loans in full. " Coincidentally '' this issue has never occurred prior to my first attempt to pay these loans in full. 

Each time I called Discover to resolve this issue I was assured of full consideration and a return phone call. On XX/XX/XXXX the only progress that had been made was the payment scheduled on XX/XX/XXXX was applied to the loan " correctly ''. I was also told that none of my other concerns as a result of this incident had been addressed at all. I have still not received a phone call from Discover to this day.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Hello, we tried to place a credit Freeze online with all 3 credit bureaus, and were able to do so easily with XXXX  and XXXX. Equifax online said the information we provided online did not match and to call their XXXX number, although this was the same exact information we provided to the other two companies. We then called the number, they verified our information and told us we had to send in two different forms of ID via fax or mail and then 5 - 7 business days later they would respond. We explained the urgency in freezing our credit due to personal information already being compromised and that time was of the essence. They verified all of the information we provided and said that they still could not help us. I explained that there is something wrong with their system as we verified all of the same information as we did with them online, and the online system said it did not match. They advised there was nothing they could do to help which placed an unnecessary burden on us, and jeopardized criminals using the information while their flawed system/technical difficulties was requiring us to provide additional information and then wait 5 - 7 business days. This is unacceptable service and I would like to file a formal complaint. Thank you very much for your assistance in advance.
Consumer complaint received 2022-12-31
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any othe
r adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CHARLES SCHWAB CORPORATION, THE (CA)

On XX/XX/2024 I received a letter in the mail notifying me that a new brokerage account had been opened with Charles Schwab in my name ( Schwab XXXX XXXXXXXX XXXX XXXX XXXX. I did not open this account and am already a victim of identity theft. I called to report and close the account, and was informed that the account had not been fully opened, and was restricted due to the presence of credit freezes on XXXX.
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

Be advised, the following company DPT ED/NAVI is attempting to collect alleged debts not owed and has obtained my personal and confidential information without my consent or permission. DPT ED/NAVI must immediately cease and desist all attempts to contact me other than to comply with my demands. I as a federally protected consumer and natural person am demanding that this company cease all unlawful attempts to collect alleged debts not owed to them immediately. Any further attempts to contact and harass me in regards to these alleged debts will result in legal ramifications.
Consumer complaint received 2020-03-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (FL)

BMW Financial would not accept a wire transfer. I mailed in a check ( personal ) which was funded, cleared, and confirmed on their end. They would not release my title for 10 days despite confirmation that my account was paid in full and closed. Their senior loan specialist, XXXX XXXX, stated that was their policy. They are holding an asset of mine, and likely of others, after evidence of funds transfer.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (AL)

Numerous calls that start with a pre-recorded message offering lower interest rates on my XXXX card. Most don't even offer a do not call option, just " press 1 to speak to a credit specialist. '' When I then tell the specialist that I do not have a XXXX card, they then say that it works for Visa, Mastercard or XXXX. They usually make some reference to my good payment history as reported by Experian. When I try to tell them I just want to find a way to make the calls stop they hang up on me. 

The last call was from XXXX at XXXX XXXX XXXX XXXX When I try to dial that number back, it says ( as usual ) that this number has been disconnected.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2019 I had a provisional credit added to my account I didnt use. Apparently it was I had no idea and the fraud check was reversed not in my favor and it was taken from my account on XX/XX/2019. I was told funds were taken out of the account at this time which I didnt use. XX/XX/2019 my account was closed with {$1700.00} still owed. I would like my account to fixed I was young and didnt handle it because I didnt know how. I had sent in a complaint earlier didnt know how to respond with the information you needed because there was no return address. I have my account number and I have statements being mailed to my home I currently only have 1 statement as of right now. I dont want any money back I just my account to be back to {$0.00} and closed officially.
Consumer complaint received 2020-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Management Control, Inc. (RI)

I have received repeated missed calls from this phone number. I was able to call them back but they wouldn't tell me anything yet only give me a name that is similar to mine. They will not tell me what or who the debt is from to verify they are a real company or not. I specified that they need to send me something in the mail because of fraud these days. I am not willing to provide any personal information to someone I do not know what it is in regards to simply for them to tell me it's the correct info and save it to use it. I specified that it is my right by federal law to request that they send me something in the mail because I have not received anything in the mail that I owe I haven't paid and check my credit daily and have no debts in collections. The supervisor refused to cooperate in communicating whether or not they would send communication out to whatever address they have on file and refused to give me any information to prove this was legitimate. I looked up the company which they said was credit management control and the supervisors name was XXXX. I spoke with him twice as I specified that if I do not receive proper assistance according to the Fair Debt Collection Practices Act and that, if necessary I would file a complaint of them not being compliant in providing me with proper information for my safety. I was told to do whatever I felt I needed to do so, here I am. My credit report does not reflect any collections nor do I allow things to get that far as I am employed and so is my husband. I told them this doesn't sound right and they refused assistance.
Consumer complaint received 2021-03-18
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. (PA)

I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks you
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Did not receive my escrow balance refund upon closing on a refinance.

Contacted the bank who reported that the escrow balance was used towards the previous loan, however, this was never disclosed in any truth in lending or disclosure statements, nor was it reflected on the settlement statement at closing.

The points and origination fees, were so high, that I was counting on that refund to help offset those closing costs and I would not have proceeded with the refinance had I known my escrow balance would not be refunded.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (NC)

this is inaccurate information thats reporting and i want these to be removed im a victim of identity theft and wasnt my consent ive also check the credit reports and the dates are not the same so on the credit bureau by law has to be removed because its proven isnt mines and not my consent and it has different dates
Consumer complaint received 2020-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore Loan management will not give me credit on 3 payment made. 
I have sent proof of payments to Rushmore many times. 
XXXX XXXX sold my account On XXXX XXXX i made payment to XXXX XXXX for XXXX and XX/XX/XXXX {$1100.00} On XXXX went to XXXX XXXX to make payment and I was told that my account was sold to a different Bank .and that I was going to get a letter from the New Bank . XXXX XXXX would not tell me who was the new Bank. 
2 week 's past and I still have not received a notification on the new Bank I call XXXX XXXX and they would not tell me who or phone number of new Bank On XXXX XXXX I got a letter from Rushmore Loan management, but No account number. 
On XXXX XXXX I got a letter from Rushmore Loan management with my account number and I mailed my XXXX and XXXX payment. 
On XXXX XXXX I got a statement that shows that I had to pay {$1500.00}. 
So I sent my XXXX payment and copy of all PAYMENTS including the payment to XXXX XXXX for XXXX and XX/XX/XXXX. On XXXX XXXX I got statement and it shows that I had to pay {$1800.00}. I sent my XX/XX/XXXX payment and I sent copys of payment to Loss Mitigation. On XXXX XXXX I got a letter from loss mitigation saying that they received the copies of payments and that in 30 days my account will be corrected. 
I never received a notification. 
I call many times no one had a awnser on why this was happening. I continue to make my payments and on XX/XX/XXXX I got a letter from the County of XXXX that saids that my house was in Foreclosure. In XX/XX/XXXX XXXX I emailed all my payments to XXXX XXXX in loss mitigation and on XXXX XXXX I get a payment history letter in wich Rushmore Loan management is charging me for XXXX and XXXX payment that I made to XXXX XXXX and on the payments history money order # XXXX XXXX payment to Rushmore in wich they cashed. 
I emailed XXXX XXXX/ left house message and No Response This is unreal / I lost my job because I got mentally ill dealing with this situation.
Consumer complaint received 2020-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (VA)

I cosigned for a student loan for my son, XXXX XXXX XXXX, with Wells Fargo. His forbearance ran out on XX/XX/XXXX and our understanding is that he received a temporary forbearance if we paid the entire amount ( XX/XX/XXXX-XX/XX/XXXX ) on XX/XX/XXXX.  Separately, we are trying to refinance our VA mortgage with a really great deal - 2.75 % interest rate with 0 points with closing in late XXXX. Our mortgage refinancer called us yesterday to tell us that our credit rating was way below their standard for this refinance loan. Turns out that Wells Fargo reported us to the credit bureaus as 60 days late on our student loan payment. We called one of their telephone representatives, who told us that the loan was on forbearance and Wells Fargo would respond in 1-2 days with a letter for our refinance company explaining that it was Wells Fargo 's mistake ( so we could keep the refinance application alive ). She even said she would call her supervisor to expedite this letter. I called today ( XX/XX/XXXX ) to check on status and I was told that Wells Fargo does not write this kind of letter. I would have to open an investigation into the issue and that would take about 5 days. Also, I was told that the loan was 60 days late. Wells Fargo has provided extremely misleading information both as to the status of the loan payment and in the information provided by their telephone representative. This information has materially damaged our credit. The damaged credit cost us a great mortgage refinance opportunity.
Consumer complaint received 2021-03-18
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. (CA)

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Consumer complaint received 2020-03-13
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. (TX)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX