davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hard inquiries that are not mines on XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

The company name is XXXX case ID : XXXX about the transaction # XXXX and the payment I made unknowingly to a nonexistent company called XXXX XXXX. For {$85.00} on XX/XX/2022 to get a generator that will not ever come because the company doesn't exist at least when i call the number. Please also see attached video for more information.
Consumer complaint received 2021-07-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MD)

I closed on my home loan with CMG XXXX  , XXXX  on XX/XX/2021. 

Before closing of my loan CMG XXXX  , XXXX was informed and acknowledged that my property taxes would be exempt because I am a XXXX XXXX XXXX Veteran. 

CMG XXXX , XXXX  made it clear that they would collect the property taxes due until the State of Maryland approved and recorded my tax exemption. 

The state of Maryland approved my tax exemption and XXXX County recorded my exemption. 

CMG XXXX  , XXXX was notified of the approval along with explanation that no property taxes are to be paid from me. Thus, CMG XXXX  , XXXX  was and still are obligated to return the amount of money collected from my monthly mortgage payment from XX/XX/XXXX to XX/XX/XXXX to me. Also, they are obligated to adjust my monthly mortgage payment to reflect the subtracted tax payments that will no longer be due. 

I have contacted CMG XXXX  , XXXX  several times and was told that the matter was being investigated and would be resolved before the XX/XX/XXXX payment is due. 

CMG XXXX  , XXXX has made it clear to me that they do not have any intention of honoring my Veterans Tax exemption any time in the near future. In fact, several phone representatives have informed me that CMG XXXX  , XXXX  does not have any idea as to what Veterans Tax exemption is? Also, they have not acknowledged that I have paid for a title search and that the tax exemption information is stated on the State of Maryland website and it only takes less than three minutes to access.

I am asking that CMG XXXX XXXX Release my escrow funds that they are not entitled to keep. I am also asking for CMG XXXX  , XXXX  to pay interest to me for the escrow funds kept.
Consumer complaint received 2023-02-10
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: BARCLAYS BANK DELAWARE (VA)

In XX/XX/XXXX I wrote a Goodwill Request for Removal for late payment reporting for XXXX. The account was closed by Barclays in XXXX. I remitted all balances due despite XXXX, XXXX, and a death of family membet I was told in XXXX it had been investigated, the late payment history reportingwould be removed within 2 business cycles. I called in XXXX and XXXX and informed it was being processed. It never occurred. 

In XX/XX/XXXX I received a denial letter from Barclays This is an absolute disgrace when I was assured verbally three tinws on a recorded line it woyld be completed due to Medical and Goidwill gesture. It is documented Barclays have extended this to others despite their form letter.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have two interest free promotional balances on my account one due in XXXX of 2022 and one due in XXXX of 2022. I called a customer service representative to ask if I could make a specific payment to pay off the balance that comes due in XXXX and she told me I could. So I allowed her to take the money out of my banking account to pay that off. 
When I checked my statement it showed that they split the payment between the two balances and the one for XXXX was not paid off as I was assured it would be. 

I called them today and they told me that is how they do it. It did not say that on my agreement, she says that is how they do it and thanked me for my call. Had I known that that was the case I would not have bothered paying the additional {$2100.00} to pay that balance off. When I called again they said that there was no one else that I could talk to about the issue. I think that when the representatives of a bank tell you that you can do something that they should stick by their word and that the bank should use that money as it was agreed.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (IL)

My credit card was stolen and used for fraudulent transactions. American Express will not talk to me about it, or even disable the card from being used, until I verified my identity on XXXX After a very long wait ( in which the fraudsters continued to have access to my card ), I did complete the verification, but Amex still claims they cant find it and wont talk to me. This is insane and is unacceptable that they wont even allow me to protect my credit.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

MY INFORMATION WAS LOST DURING MY TAXPREPARER RELOCATING. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I CALLED AND MAILED LETTERS TO EACH BUREAU NOTIFYING THEM OF THE FRAUDULENT ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN WRITTEN CONSENT FOR ANY OF THIS INFORMATION TO BE FURNISHED TO MY ACCOUNT WHICH IS IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS DUE TO IDENTITY THEFT IS ALSO IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT WORLD SERVICES, INC. (KS)

I have submitted a total of 3 letters to both the creditor and the collection agency, disputing the amount attempting to be collected based on amount due after insurance payment, and to date have received no response from either the creditor or collection agency. I submitted a letter to XXXX XXXX XXXX in XX/XX/XXXX, second letter sent XX/XX/XXXX, and a third letter to Credit World Services on XX/XX/XXXX. XXXX XXXX, the total charges were {$1100.00}, and XXXX paid XXXX XXXX XXXX {$840.00}, leaving my balance at {$280.00}. XXXX XXXX XXXX is attempting to collect {$780.00}, and because this is a Kansas government based agency, they are now utilizing the debt offset program to seize my state refund to pay the debt.
Consumer complaint received 2019-07-17
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: LAKEVIEW LOAN SERVICING, LLC (WA)

I split my mortgage payment into two payments for my XX/XX/2019 mortgage payment and it was not put in the right place. I have called 6 times now starting XX/XX/XXXX when I received a letter that stated I did not make my XXXX payment and now have late fees. The late fees were waived but it wasnt resolved and hit mine and my fiancs credit with a -54 points due to a delinquent account/past 30 days. I was told the gentleman would be coached because of his error and Im left waiting for our credit to be fixed and am told itll take a month. I was originally told 3-5 business days. I wasnt even late let alone delinquent. I am very angry about this and it just seems like they dont care one bit. I disputed it with the credit places too. I want to file a complaint since we are left waiting to do anything with a credit hit that bad I cant get anything at a fair price or on credit.
Consumer complaint received 2022-12-15
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. (PA)

I XXXX XXXX XXXX federally protected consumer have been a victim of Identity theft. I have contacted XXXX 4 times about this matter. As PER 605B ( 15 USC 1681c-2 ) any information that the consumer identifies as information resulting from Identity theft must be blocked and deleted no later than 4 business days. I have attached my return mail reciept and the Identity theft documention as well as my letter I wrote.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (TX)

Back in XXXX I received some old forwarded mail from an address I have not lived at for a long time. Included was a collection letter from Credit Protection Association, LP stating I owe money from sold old toll bills. 

The license plate number listed on their letter is not mine. 

I attempted to contact them several times but they refuse to give any contact info other than where to send payments. I finally was able to find an email address and when I emailed them they replied that I should contact the DMV and the NTTA to find out why they were given the wrong license plate information. 

Clearly they do not understand federal law under FDCPA requires them to validate the debt and does not require me to find out why they have incorrect info. 

I have continually asked them to validate the debt and they refuse. 

They also can not even spell my name correctly on their collection letters
Consumer complaint received 2023-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

I submitted a PSLF form on XX/XX/XXXX to certify my employment. This form was processed on XX/XX/XXXX with no change to my qualified payment count, although I should have received XXXX payments added to my count. 

I submitted a new PSLF form on XX/XX/XXXX to certify my employment through XX/XX/XXXX and put me over the XXXX qualified payments needed for PSLF loan forgiveness. 

The form I submitted on XX/XX/XXXX was incorrectly marked as a duplicate and cancelled by Mohela. This issue happened to countless other borrowers per online forums. 

When I contacted Mohela via chat, I received no resolution. When I followed up via phone, I was told my form would go back in the queue and it would take an additional 30 business days.
Consumer complaint received 2022-12-15
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. (PA)

I XXXX XXXX XXXX federally protected consumer have been a victim of Identity theft. I have contacted XXXX 4 times about this matter. As PER 605B ( 15 USC 1681c-2 ) any information that the consumer identifies as information resulting from Identity theft must be blocked and deleted no later than 4 business days. I have attached my return mail reciept and the Identity theft documention as well as my letter I wrote.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ADVANTAGE RECOVERY SERVICES, INC. (SC)

I receive a telephone call from " XXXX with XXXX Advantage Recovery '' stating there was a claim associated with my sister 's social security number. The number she called from is XXXX. This call was made to my cell phone. Another call from the company was made from telephone number XXXX ( which looks like a local number in my area ) to my cell phone and XXXX to my home phone. " XXXX '' attempted to verify the last 4 digits of my sister 's social security number.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (GA)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2019-07-17
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: Experian Information Solutions Inc. (WA)

I split my mortgage payment into two payments for my XX/XX/2019 mortgage payment and it was not put in the right place. I have called 6 times now starting XX/XX/XXXX when I received a letter that stated I did not make my XXXX payment and now have late fees. The late fees were waived but it wasnt resolved and hit mine and my fiancs credit with a -54 points due to a delinquent account/past 30 days. I was told the gentleman would be coached because of his error and Im left waiting for our credit to be fixed and am told itll take a month. I was originally told 3-5 business days. I wasnt even late let alone delinquent. I am very angry about this and it just seems like they dont care one bit. I disputed it with the credit places too. I want to file a complaint since we are left waiting to do anything with a credit hit that bad I cant get anything at a fair price or on credit.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2023-02-11
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: SYNCHRONY FINANCIAL (MA)

Description of Complaint : I purchased a sweatshirt, w/custom printed message, from XXXX, along w/a few other garments. The sweatshirt arrived in XXXX, too late to wear for XXXX. 2-words were misspelled, Turkey, spelled Tunkey & XXXX. The material and overall quality of the garments were of poor workmanship, the garments arrived w/out tags or an invoice & no return address on the package. I spoke XXXX XXXX , a XXXXn C.S. rep. I told XXXX I want to return everything I ordered for a full refund. I was told it was not necessary to return the items, I would receive a full credit. I received an email conformation from XXXX stating a full refund will appear on my PayPal account w/in 72-hrs ... 2-yrs have past & I'm still receiving statements from PayPal/Synchrony w/late charges & interest for this purchase . I've called, emailed and written PayPal/Synchrony numerous times over the past 2-yrs ; I forwarded photos of the garments, and the email from the merchant. PayPal dispute dept. stated they reviewed my dispute and ruled in the merchant 's favor. I received bogus merchandise from an unrepeatable online company in XXXX. I have documentation from the merchant stating my PayPal account would be credited in full. Synchrony said I could open another dispute. XXXX/XXXXXXXX, I received a notice from Synchrony stating they reviewed my dispute, for a credit not received, and again they ruled in the merchant 's favor, stating I did not return my order to XXXX, therefore I am responsible for the amount owned. The email correspondence from XXXX, XX/XX/XXXX, did not indicate a return of their merchandise was required, only that a credit was issued. PayPal/Synchrony failed to communicate the reason my PayPal account was still incurring this charge despite my numerous attempts to resolve this matter. PayPal/Synchrony has damaged my outstanding credit score due to their lack of interest in advocating on behalf the consumer. 

Billing adjustment ; Correction to a credit report
Consumer complaint received 2021-03-09
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: Affiliated Management Services (KS)

In the previous answer ( XXXX ) AFFILIATED MANAGEMEN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-03-09
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: Bread Financial Holdings, Inc. (NJ)

I have contacted all 3 credit bureaus and the individual creditors involved in this identity theft with a police report. These accounts are still reporting on my credit and I have received no satisfaction or response regarding this from the creditors.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have an auto loan from TOYOTA MTR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MTR and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MTR with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

On XX/XX/XXXX, as I tried to log in in my credit card site to pay the bill, i received a notification that a new card was sent to me and couldn't log in. The site informed that a new card was sent to me. I was in XXXX XXXX helping my brother with the aftermath of Hurricane Maria. Since I didn't want to be late, I called the Customer Service No.XXXX. Since the card was delivered to my house and I didn't have the card present, I couldn't find any information on the new card. I asked the representative if I could pay by phone and she said yes, and they charged my card for it. The amount of {$100.00} was withdrew from my checking account on XX/XX/XXXX, and the fee was charged to my credit card. On XXXX, the same thing happened and on XX/XX/XXXX, another {$100.00} was deducted from my checking account. This card was from the Fifth Third Bank and ends XXXX, expiration XX/XX/XXXX. 
On XXXX, I called the customer service again because I wanted to pay my account by phone, but I was informed they couldn't find my account. When I arrived to my house in XXXX I contacted them again and directed to fax a copy of my current bank account statement showing that the money was deducted of which i did. By then I had in my hands the card ending in XXXX issued by XXXX XXXX. After sending the documents again, they said that the only choice I had was to pay the missing payment ( {$200.00} plus change ) to bring the account up to date so they can deduct all the fees I was accrued to " not paying on time ''. I tried to resolved thru my credit union and they said they couldn't to it and was given the Fifth Third customer service. 
I called and they couldn't help me because they couldn't find any record of my card : by card no. by tel. no. by name and address. It was as if my records disappear. 
I just want that they return my {$200.00} plus the fee they charged to the card for the service. 
I know this sound stupid, but I live in a fixed income and {$200.00} is a lot of money to me. 
I know that money is somewhere and the payments were not applied to the new card nor my money return to me. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX