davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX IS REPORTING AN ALLEGED DEBT TO MY CREDITOR REPORT AS THE COMPANY IS STATING I OWE A DEBT THAT DOES NOT EXIST. I PUT DOWN A SECURED {$400.00} for CREDIT CARD AND NEVER RECEIVED A DEPOSIT BACK AFTER 6 MONTHS, ALSO XXXX HAS REVERSED THE ACCOUT INTO A NEGATIVE BALANCE OF {$830.00} DOLLARS. XXXX XXXX IS PRACTICING UNLAWFUL ABUSIVE BEHAVIOR TOWARDS ME AS A CONSUMER ACCORDING TO 1026.11 - Treatment of Credit Balances ; Account Termination Paragraph 11 ( a ) ( 3 ) XXXX. Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. 

XXXX. Good faith effort unsuccessful. Section 1026.11 imposes no further duties on the creditor if a good faith effort to return the balance is unsuccessful. The ultimate disposition of the credit balance ( or any credit balance of {$1.00} or less ) is to be determined under other applicable law. 
11 ( b ) Account Termination Paragraph 11 ( b ) ( 1 ) XXXX. Expiration date. The credit agreement determines whether or not an open-end plan has a stated expiration ( maturity ) date. Creditors that offer accounts with no stated expiration date are prohibited from terminating those accounts solely because a consumer does not incur a finance charge, even if credit cards or other access devices associated with the account expire after a stated period. Creditors may still terminate such accounts for inactivity consistent with 1026.11 ( b ) ( XXXX ). 

11 ( c ) Timely Settlement of Estate Debts
Consumer complaint received 2020-08-02
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. (GA)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX, XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-08-02
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. (GA)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX, XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2017-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

We recently paid off my wife 's loan with Navient and  XXXX  corporation and we do n't owe anything at this time. Navient has been making in authorized access of our account. Upon investigation we found out the same amount has been charged for the past 1 year but Navient is unable to tell us where the money is going.
Consumer complaint received 2018-12-28
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: U.S. BANCORP (OH)

I had service performed at XXXX XXXX  ; XXXX, OH from an original estimate on XX/XX/18 paying {$2500.00} in advance. This work was performed. When I picked the car up on XX/XX/18 I was given a bill for additional service dated XX/XX/18 for {$780.00} that I was unaware of and did not authorize ( no authorization signature ) for new tires and a inner tie rod end. I left not realizing they were a mismatched set and not the size specified for this vehicle. 
I went back to XXXX XXXX on XX/XX/18 with my brother to dispute this charge. I was told I would be given a 50 % credit for the tires because I had originally left with them on the vehicle. Since I felt this was unauthorized service to begin with I did not accept this offer. I told them I would take it to another shop to get a full set of the right tires. They said fine, bring the tires back and they will give me 50 % credit. I declined the offer again and said I would take it up with the credit card company. 
I went to a XXXX 's XXXX XXXX XXXX that same day. They told me that the installed tires were the wrong size and load range for this vehicle. XXXX was a mismatch brand. They replaced with the proper tires. 
I returned the mismatched set of tires with my brother to XXXX XXXX later that day. Their in house printer was not working so they could not give me a printed return but wrote one out on a sheet of paper. No refund was given at this time. 
I contacted my Credit Card Company, XXXX XXXX MasterCard on XX/XX/18 about this matter. After the tires were returned I contacted them again. They opened up a dispute ( Case # XXXX ) on XX/XX/18. I sent them all the pertinent paperwork. 
I am now being told by XXXX XXXX that MasterCard is not accepting the written return receipt because it does not meet their requirements. 
As of now I do not have the tires ( I do have the unauthorized work ), and XXXX XXXX is charging me this full amount ( {$780.00} ).
Consumer complaint received 2023-03-30
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. (GA)

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 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

We bought our current house in XXXX XXXX  XXXX and put down 5 % knowing that once we sell our old house we would be able to do a loan recast/recalculation to remove the PMI since we knew once the money would transfer we would own more than 20 % of the value of the house. The original loan value was {$490000.00}. Purchase price was {$520000.00}. It appraised at {$520000.00}. 

We started the recast process in XXXX XXXX  XXXX. On XX/XX/XXXX we transferred {$290000.00} to Specialized Loan Servicing LLC ( SLS ) to cut our mortgage in half, which in turn would remove the PMI. ( See attachments ) It took SLS until the beginning of XXXX to complete the loan recast. On XX/XX/XXXX the loan value went down to {$190000.00}. 

On XX/XX/XXXX I sent an electronic letter asking how to have PMI removed and also if they could reevaluate the escrow being collect as my calculation showed they were overcharging for county taxes. They replied back that the loan did not have PMI and the escrow would be reassessed in XXXX. ( See attachments ) In XXXX XXXX  XXXX I noticed we were still being charged PMI. 

On XX/XX/XXXX I sent a letter asking for PMI to be removed and to repay back each month that PMI was collected after the date the account hit the 20 % mark. I made reference to the Homeowners Protection Act of 1998 stating that PMI must be stopped once the 20 % value of the property is hit and any extra payments should be paid back. Their reply back was that they will stop PMI 30 days after receiving the letter per law. They did refund the over escrow amount in XXXX XXXX  XXXX but not the over charged PMI. 

I made another attempt on XX/XX/XXXX to ask if they will refund the over collection of PMI. I again stated from The Homeowners Protection Act of 1998 that PMI should be stopped when the mortgage reached the 20 % mark and should be paid back. Their reply again was to deny repayment and they were not obligated by law to stop PMI payments unless asked. 

I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was charged {$86.00} for the PMI despite having more than 20 % in equity. The concerning part is they charged PMI a second time in XXXX.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (IN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WA)

I sent my mother XXXX XXXX XXXX XXXX {$400.00} on XX/XX/21 and {$400.00} on XX/XX/21 to help her pay for her dogs ' medical bills after her dog had to go into a special veterinary hospital in our area to get checked for a XXXX I sent the money through PayPal. Before my mother could send the money to her bank account so that she could pay for those medical bills, they locked her account for 180 days claiming " fraudulent activity '' even though she has used the account for years and was trying to send the money to a different bank account she now wanted to use for PayPal. After she spent hours on the phone telling them the situation, they still refused to unlock her account and told her that I needed to ask for the money to be refunded. I proceeded to do so the next day and found only one option at first, " reporting unauthorized activity '' which I found to be ridiculous but I used their description box to explain that it was not unauthorized and that I needed the money refunded. Their response was to the likes of, " There was no unauthorized activity, no refund will be done. '' I am in the process of trying to contact their customer support directly but they keep hanging up on me even though it is during normal business hours supposedly, it says they are closed and it ends the call. I sent a message through their website and am awaiting a response. While waiting for their response I figured it best to fill out this report since I see this being a necessary step that they may need to be contacted by you guys to get this properly resolved so they aren't taking advantage of people who are simply using their service to send money to relatives especially to pay medical bills that -- can not be held up for 180 days --. Thankfully, we found out from the vet and the tests, that her dog " XXXX '' does not have a XXXX, and even though XXXX is very old ( XXXXyo ) she just has a XXXX  XXXX issue and is getting the treatment she needs now.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My debit cards were stolen along with my phone, I had the same PIN for both and because I have a long term illness which I take medication for I wrote the PIN down in my phone. Over {$800.00} was taken from me, they went to ATMs in parts of town I had never even been to. Of my two banks, XXXX reimbursed me for the {$130.00} taken from that account once I sent them the police report. My other bank, J.P. Morgan Chase Bank are refusing to reimburse me for the stolen funds, {$720.00} from that checking account. They say I authorized the transactions and their investigation was thorough and complete. I gave them all the evidence including the police report and answered their questions, I explained why I wrote the PIN down even though I thought they meant on paper, either way they said they are done and can not help me further. I feel I am a victim of a crime all over again and Chase are giving more protection to the people who stole from me. If they actually engaged with the merchants and looked at the security footage of these random ATMs they would see people stealing from me. I am so devastated by this huge financial knock. I dont feel secure and I no longer trust this bank. The claims team were horrible to deal with, they had awful attitudes and more or less blamed me for what has occurred and said I was making it up.
Consumer complaint received 2019-09-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

We refinanced with quicken loans. Quicken loans went through all the info with us and the mortgage payment was to include our taxes and home owners insurance. We were given a new mortgage amount and we were happy with the new monthly payment. We decided to go with them. Quicken loans charged us over $ XXXX to go through with the refinance loan. We later found out they made a mistake and did not include our homeowners insurance into the home loan after all the paperwork was signed and done.They admitted to the mistake. Quicken loans just said oops and sorry and now your mortgage is going to be a higher amount. If not, you the home owner, just needs to pay it on your own. How is a company going to state the home owners Insurance and taxes were going to be covered in the loan and now say we ( the home owners ) are responsible for their mistake after docs are signed. I was emailed by a XXXX XXXX and stated that we are terribly sorry and you will need to figure this problem out on your own. Quicken loans collected a hefty amount to make sure all docs were correct and now, all we are getting is sorry our hands are tied!
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX DOB XXXX SS XXXX I am having issuess with my file as I was a victim of fraud MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some addresses on my file that DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2017-06-25
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. (TN)

XXXX XXXX XXXX XXXX has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new XXXX in XXXX XXXX!
Consumer complaint received 2019-01-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who are involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out financially, mentally and physically continuously.
Consumer complaint received 2022-03-22
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2019, I discovered through the landlord of a property I was applying to rent that I had no credit score reported by XXXX. Upon discovering this, I checked the application XXXX XXXX and it too showed no score. Not a zero, just no score at all. I also noticed that TransUnion has reported no score. I am XXXX years old and have paid bills all my life, Ive had to pay collection agencies, utility bills, etc. I am now being denied homes I am applying to rent. I cant get a credit card, even a card for people with bad credit. I called XXXX   and was told by an automated message that there was a technical difficulty and the call was ended. When I called back, the line gave a busy signal. I am a hard working XXXX XXXX  with a wife and XXXX children, I pay my rent and my taxes on time and I donate to charity. To be unable to move forward in life because a credit reporting agency has no record of me is absolutely unacceptable. Please help me correct this problem. Thank you.
Consumer complaint received 2019-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NC)

Navient violated my consumer rights-giving my personal information to a third party consumer named Mr. XXXX leaving detail messages on his voicemail like the text message below as well as including a sibling name. 
The voice message asking for a sibling then asking for information about me. Navient voice message stated Navient loan company had no information about where XXXX reside also navient company are saying they have no contact information for XXXX XXXX. Which is not true and this is another violation
Consumer complaint received 2019-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

Since Navient took over my student loans, Ive had nothing but problems. I dont think the company is applying my payments to my loan. Ive been requesting my student loan tax document multiple times since early this year. However, Navient refuses to provide me with this document. I had to file my taxes without my student loan information from Navient. It is XXXX and I still havent received my student loan tax document from Navient!!!!!!!!!!!!! 

The company stated that I had several payment options including applying for an Income Based Repayment Plan to avoid default. I applied and was approved for an income based repayment plan of {$100.00} in XX/XX/2019. Even though I dont know where my payments are going, I sent payments of {$100.00} in XXXX and XX/XX/2019. However, Navient is still threatening to default my loan. This company is a scam. They are back to their silly games of refusing to send me my bill statements again now also. They dont want me to know my account information.
Consumer complaint received 2019-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The  individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2019-09-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bridgecrest Acceptance Corporation (FL)

I owe Bridgecrest {$100.00} left on my car loan of {$20000.00}. I asked them not to call my phone any more because they call several times a day. The day after I advised them not to call ever again they called back and even read the notes that had been documented to never call back. that was actually 2 weeks ago. 

Well tonight I actually got a call from them at XXXX XXXX from XXXX as I am asking why they are calling that time of night she never even acknowledged that she was calling out of time zone and was actually quite rude. 
While I do know that I owe them I asked to never be called again and I am most offended because I was called after XXXX EST.