davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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. (OH)

Since XX/XX/2021 I have been contacting TransUnion, XXXX and XXXX in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to TransUnion, XXXX and XXXX. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )
Consumer complaint received 2022-01-25
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. (GA)

I didn't have any inquiries on my consumer report and then suddenly today I notice I have XXXX hard inquiries appearing on my consumer report, I did not consent to, authorize or benefit from any of these inquiries. please block and remove them.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/2021, my father sent me a voicemail from a creditor. A woman called him- he & I do not share a cellular phone number & we do not live together - left a voicemail advising that she was calling to speak to me about an account that was in collection efforts. 
I have advised this company, not to call anyone but myself & they have the correct contact number for me.
Consumer complaint received 2018-07-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

We are writing a formal letter to express our sincere disappointment and concern with services received with Navy Federal Credit Union Mortgage department in XXXX ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). Communication between ourselves, the loan officers and loan processors was subpar and did not meet expectations. The reason for this complaint is that we are also concerned with misinformation received at various points of the process. Whether this was intentional and predatory, or agents were ill informed this is a cause for great concern. Copy of the full letter submitted to the parties involved will be faxed, which include specific issues with dates and screenshots. An attempt was made to resolve the issues on XX/XX/18, transcripts of that email will be faxed as well.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My son died XX/XX/XXXX. I went into Bank of America XXXX branch on XX/XX/XXXX and reported his death to XXXX XXXX and they scanned the death certificate. They told me I need a state form to obtain his funds. I thought they froze his account. I was also told someone from that branch would contact me. No one ever did. I thought my son 's funds were safe. The amount was {$7300.00}. I went back to the same branch XX/XX/XXXX with the state affidavit of relationship form notarized. The bank told me my son 's account was closed and there were no funds available. Bank of America disbursed my son 's funds on XX/XX/XXXX to someone who claimed to be the " fiancee '' to my son. Bank of America needs to be held liable and needs to recover my son 's {$7300.00}. Fiancee is not a relative, and not listed in the PA State laws of Intestate Succession. A fiancee is not a surviving spouse. Nevertheless, the claimant was not a fiancee to my son. She was removed from his account XX/XX/XXXX. 

I have reached out to Bank of America Estates Department and they have not helped. Please help me. It should not be my responsibility to try to recover my son 's {$7300.00}. I am filing my son 's XXXX income taxes and he owes {$24000.00}. I need the {$7300.00} that Bank of America disbursed in error.
Consumer complaint received 2018-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kross, Lieberman & Stone, Inc. (NC)

I have asked all 3 credit bureaus to verify that this collection account is mine. I have tried disputing and I have not been successful. 

The collection in question is XXXX XXXX XXXX XXXX I have filed a ID theft report w FTC
Consumer complaint received 2022-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

My name is XXXX XXXX XXXX Loan # XXXX My email is XXXX On XX/XX/XXXX I applied for a loan of {$500.00} was approved ( confirmation # XXXX ) and I picked up the money in person the same day. On XX/XX/XXXX I applied for another loan as I was already approved for a higher amount when I applied initially on XX/XX/XXXX but chose not to take the full amount since I had a check deposit due to post to my personal bank account by XX/XX/XXXX but due to banking issues did not post as expected .On XX/XX/XXXX I applied to take out the remainder of what I was approved for which was {$1500.00} and change and picked up the money the same day on XX/XX/XXXX. On the same day XX/XX/XXXX a friend agreed to loan me money after i explained to him the banking issues I was having and the expensive pay day loan I had to take out. After getting the money from my friend I called Speedy Cash and asked them to rescind the loan and just take it out of my bank account with the bank info they already had on file ending in XXXX. They refused and advised me to go back to the store in person which is 30 minutes away even after I informed the representative that I was heading out of town for work. Not being able to rescind the loan in the window provided by Speedy Cash will incur me fees that could have been avoided had Speedy Cash just taken the money back and rescinded the loan with my checking information that was already on file with them. I want them to refund me any and all fees associated with the entire amount of this loan due to them refusing to rescind the loan over the phone or by email communication like I requested.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CL Holdings LLC (IL)

XX/XX/2017, somebody that I had lived with me or near ... .I 'm unsure but at the time they used my information to add a line to my account and then just continued to let it go, unpaid. 
I was always in great standing when I had my service I thought I had turned it off and everything was paid I owed no money on any phones etc. Now I have this outstanding debt and I can't figure out who even had the other device and how it got so big. I'm disputing this because of fraud I did not give anyone permission to use my information to continue a service that I had disconnected.
Consumer complaint received 2022-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

Brief explanation - XX/XX/XXXX - 2 concert tickets purchased for {$780.00} through my online XXXX account using PayPal Credit. Concert scheduled for early XXXX. 

XXXX - Due to the COVID outbreak and associated restrictions placed on public gatherings the concert was rescheduled to a future date in XXXX. Attempted to obtain a refund from the vendor but was informed that because the concert would be rescheduled and not cancelled, no refund would be issued but the original tickets would be valid for the new date. 

XXXX - The concert scheduled in XXXX was again postponed to XX/XX/XXXX. 

XX/XX/XXXX - The concert was officially cancelled by the artist. I contacted the vendor and was informed that the full purchase price of the tickets would be refunded to the source of the funds ( PayPal Credit ). 

XX/XX/XXXX - A refund was posted on my PayPal account in the amount of {$780.00} showing that the money was refunded to PayPal Credit. 

Numerous attempts to recover this refund has been unsuccessful and it's now been almost 3 months without resolution to the money owed to me.
Consumer complaint received 2021-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (CA)

This is a loan provided by the XXXX XXXX XXXX XXXX Comenity Bank for dentures for my wife. The Dentist 's Office Finance person presented the loan to us as a 0 interest, 24 month loan. We were to make flat payments for 24 months and the loan would be paid off with {$0.00} interest. 
Due to Co-Vid the procedure was delayed a year. Everything about the loan was forgotten until the first statement was received. The only number on the statement was a 'minimum ' payment. Per my original understanding ( made foggy by a year 's passage ), we were to pay a flat amount for 24 months and be done. Since the only number on the statement was the minimum payment amount, I paid that. When the next payment was due, the minimum payment amount had changed and was lower. This did not seem quite right so I read the statement about finances charges. It turns out that if I made only the minimum payment the loan would be paid off in 25 years and with {$25000.00} of interest. 
This was not my understanding of the loan. I called The XXXX XXXX and was transferred into Comenity Bank where it was explained " the flat payment amount '' was not included on the statement, and that I should do that math myself to create my own payment schedule. The Customer Service individual told me flat out that he could not document by letter, email or other written communication what my flat payments needed to be. He did the calculation and gave me a number that I was to pay for the next 22 months to pay off the loan. I was at a loss as to why he could not provide that in writing and so I asked to speak to his supervisor. The Supervisor reiterated the INABILITY to provide a written communication as to what my flat payment should be. 
My concern is that as a XXXX XXXX XXXX, not in great health, I could die at any time. I am the bill payer in the house, and if I go before my wife, she will then be left paying bills. It is entirely possible and very likely that if she needed to pay the XXXX XXXX monthly statement, SHE would fall into the 'trap'/habit of paying the minimum payment, thus lengthening the term of the loan and incurring unexpected interest charges. 
WHY can't Comenity Bank put in writing and list on the monthly statement the flat amount to be paid over 24 months to pay off the loan so as to not incur interest charges? 
Both my wife and I are on Social Security and while we can make the flat monthly payments, we can't afford to pay longer than 24 months or the added interest. 
In checking the XXXX XXXX XXXX website, I see that others have the same complaint. Not having the flat payment amount listed on the statement, and making the minimum payment in error. Clearly this is something that Comenity Bank could do, but is unwilling to do, lest they no longer mislead customers with the minimum payment and thus losing an interest payment stream greater than 26 % for 25 years. This is outrageous.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I checked my credit report and XXXX XXXX XXXX Say I owe {$6500.00}, but the Court Order Eviction Action Summons that was given to me on XXXX say I owe {$4500.00}. Plus after accruing cost after I return my keys on XX/XX/XXXX, on the final ACCOUNT Statement From the XX/XX/XXXX to XX/XX/XXXX is {$3900.00}. 

Theres no out come that add up to {$6500.00}. so the amount they attempt to collect is Incorrect which is a violation under the FCRA. this account amount not correct.
Consumer complaint received 2022-04-09
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. (PA)

Equifax was sent drivers license, social security card, Several FTC reports, as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach as well as other data breaches and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.
Consumer complaint received 2021-05-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX  # XXXX. 
XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2021-05-12
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. (FL)

Please all names and addresses that are not as following. Anything, else if identity theft and fraud. NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. ALL OTHERS REMOVE FROM MY CREDIT REPORT.
Consumer complaint received 2022-10-25
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Consumer complaint received 2022-04-09
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: Experian Information Solutions Inc. (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. It has over 30 days since the initial dispute submitted. Credit reporting failed to comply with Fair Credit Reporting Act. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Credit reporting failed to provide documentation used to verify the dispute. Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 
regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX XXXX XXXX XXXX XXXX I request that the following inaccurate items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within thirty days.
Consumer complaint received 2022-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

In XXXX I took out a student loan through Nelnet totaling {$10000.00} to attend XXXX XXXX. During that time I used the XXXX  XXXX that I was offered prior to using the {$10000.00}. I then withdrew from the school. The funds were refunded to a XXXX  XXXXCard that was provided to me. I was unaware of this. The company that issued the refund was called XXXX XXXX XXXX. It was later bought out by Nelnet and was check was then issued out with the balance that was on the card. I moved several times during XXXX in XXXX and XXXX. Since I never received the check it was not cashed. I have tried multiple times to work with Nelnet regarding the unused money and was told I had to work with my school regarding it and that they can not help me. XXXX has attempted to help but can not provide information and is ultimately telling me that Nelnet is the one that bought out the company and should have records of the refund. Its been XXXX years of trying locate this refund. It has caused financial hardship and has caused my credit to drop significantly.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

My Old loan with XXXX XXXX was sold off to Freedom Mortgage XXXX as of, XX/XX/2021, and was informed it would be ready in their system as of XX/XX/2021, I have been ready to close my refinance through XXXX XXXX XXXX, and this payoff has held up the closing process. 

XXXXXXXX XXXX XXXXXXXX has been calling in requesting updates on this request since XX/XX/2021, they were informed that it would be ready by XX/XX/2021, XXXX XXXX had called to follow up on this request, and were told once again that it would be ready by XX/XX/2021, I had called in on the XXXX, to request my new loan number ( XXXX XXXX XXXX ) with Freedom Mortgage. 

The following day ( XX/XX/2021 ), the Loan processor at XXXXXXXX XXXX XXXXXXXX, and I had spoken with a supervisor at Freedom Mortgage by the name of " XXXX. '' XXXX had promised that he would follow up XXXX XX/XX/2021, at XXXX MST ), and provide the payoff quote as promised, XXXX never did call this morning, nor did he provide the payoff, as he originally promised. 

XXXX XXXX  had called in, again, this morning to follow up on the request. Nothing has been accomplished. He had spoken with XXXX, Rep I.D : XXXX, she had promised a response by ( XX/XX/2021 ) XXXX MST. She did not commit to her promise, and the Rep I.D . was false. 


This is a big issue, my lock expires on XX/XX/2021, and were able to close as soon as XX/XX/2021, Freedom Mortgage has not delivered on their promise, on multiple occasions, and has caused a lot of stress on my end with the mortgage process.
Consumer complaint received 2021-05-12
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. (PA)

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX  XXXX, and the three major credit bureaus ( Transunion, XXXX XXXX XXXX  with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (IL)

On XX/XX/2023, I made a transfer from my Chime Checking account in the amount of {$1500.00} to an email address which Chime obviously can do. The money was sent at XXXX XXXX and Chime bank said someone claimed it at XXXX, only XXXX minutes later. The recipient has said they have never received it. I have contacted Chime at their support center many times via email and phone only to be told at least 10 different ways this should be handled. I finally consulted the XXXX XXXX XXXX XXXX XXXX XXXXXXXX and they contacted Chime. The final result is that Chime refuses to talk about this any more unless I file a rebuttal, again, and now I have to wait for 45 days. I am asking for a refund or at least the information I requested. 

This money is quite important. It was for rent and other bills. 

Thank you XXXX XXXX