davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What XXXX XXXXXXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX XXXX XXXX XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivable Solutions, Inc - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

Normally, Arvest sends it's mortgage statements at least 20 days in advance. For example, the XXXX statement ( due XX/XX/2022 ) had a statement date of XX/XX/2022. I get the statements a couple of days later and pay it long before the due date. In XXXX, however, something happened. Arvest set a statement date of XX/XX/2022 with a due date of XX/XX/2022. Clearly, I could not get the statement and pay it before the due date. Further, the statement was apparently mailed late, since I didn't receive in until XX/XX/2022. In the statement, they state if the payment is not in their hands by XX/XX/2022, there will be a late fee of {$92.00}. This is clearly wrong. I called the company and was informed that since I could make a payment without the statement, that the late fee would still apply, even though it was their fault that the statement was late. I feel this is unfair. For the record, I have never had a late payment. 

I have included copies of both the XXXX and XXXX statements.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2019 to XX/XX/2019 I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. Wells Fargo have not responded to none of my validation letters or police report and federal trade commission report that was certified mailed to them. The notarized signatures that goes with Id theft claim to. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My credit score dropped from XXXX to XXXX from this wells Fargo account and XXXX XXXX, XXXX XXXX that was reported on XX/XX/2019. On the other hand, they did removed the XXXX XXXX and XXXX XXXX on XX/XX/2019 but did not replace my points back where it should be, XXXX or maybe above. I have a good credit report file and my credit score shouldn't drop tremendously like that. I am fighting so hard to keep my credit score and report on the positive side. I feel the consumers should have way better protection. My fraud Identity theft, is not taking into a removal or into consideration. Additional to that, XXXX has not respectfully taken my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX  and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, XXXX  is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have removed the items off my credit report. Accept XXXX and the other credit bureaus on XX/XX/2019. I have communicated with XXXX and wells Fargo multiple time in the past that I am a victim of Identity Theft and XXXX  and wells Fargo has not takem my case into consideration.
Consumer complaint received 2019-04-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (IA)

My wife and I leased a new vehicle and were told to wait for documentation from Chase auto regarding the payments. We waited, nothing came, I started getting several calls a day, I answered, the automated calling system immediately asked for my account number ( which has not been provided yet ) or my social security number. I call the number back and have the same options. I will never provide my SSN to an automated system so I'm not sure what they expect me to do. I did get through to an agent who confirmed my address was correct ( I have also received plenty of mail from the dealership ) and advised that I need my initial billing statement to know where to send my payment, how much is due, etc. I keep getting calls and want to pay but I will not compromise my identity or banking information in the process. 

I'm also not certain this is not a SCAM attempt at this point. I receive calls from ( XXXX ) XXXX.
Consumer complaint received 2020-02-08
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: DISCOVER BANK (MA)

In its response of XX/XX/2019 to my Complaint to CFPB Discover made the following statement ( see the attached file ) : " in some case it is necessary for our Customer Protection Services Department to speak with a customer directly in order to verify activity. '' The requirements that representatives of the Discover Card need to be able to SPEAK directly to a customer is not listed in any of the Discover cards terms of service not explicitly mentioned in any of its other published materials. 

Discover also never stated explicitly that it has requirements for customers to have the ability to maintain direct communication with Discover card representatives in order to received services on the account. Discover never specified for how long a customer is required to have an ability to maintain a direct communication with Discover representatives nor it specified what duration pauses the customer can make during a direct communication session with Discover representatives before Discover will interrupt such communication sessions.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I have called the bank Truist since XX/XX/XXXX. I made XXXX claims all denied and yet the merchant states that charged me its was a incorrect charge. The bank no matter what I do will not honor the refund. I sent in over XXXX letters and I call daily. I want my money back. The plane I was suppost to take canceled and the airlines issued me a refund back to my debit card I sent in all the paperwork to the bank disputing the charge. The bank says its a valid charge. I have the letter from the airlines showing where I was refunded avd the bank needs to located my funds and they cant seem to. Also they wont call the airlines and communicate with them to locate these lost funds.
Consumer complaint received 2020-02-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Allied Collection Service, Inc. (Indiana) (IN)

On Saturday XX/XX/2020 I received another letter from Allied Collections Service Inc. after I told them not to contact me. I also advised them that I was going to file bankruptcy plus that Im judgment proof ( extortion proof ) because Im XXXX and have been for over 5 years so Im unemployed  and will never be employed  again. They have harassed me over and over ( the tie up the local court system harassing the poor ) I even changed my phone number because of their harassment. I havent filed bankruptcy yet but Im in the process of doing the paperwork and Im definitely filing ASAP so because of all the above they have no reason to continue the harassment. If you look at my last complaint I attached everything Im pointing out now in regards to them being advised not to contact me, bankruptcy and being XXXX.
Consumer complaint received 2023-06-14
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: CORELOGIC INC (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bull City Financial Solutions, Inc (TX)

There is two delinquent accounts that are the same one.. XX/XX/XXXX for XXXX $ payment arrangements were made and they still sent it against my credit. Then XX/XX/XXXX they hit me again on the same account for XXXX $ please remove them from my credit
Consumer complaint received 2024-03-04
Product: Credit reporting 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)

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX Accounts # XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX. 
Account number XXXXXXXXXXXXXXXXXXXXXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX All these accounts Has violates 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 consumer reporting agency can not furnish a account with out my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the Following of information any other adverse item of information, other then records of conviction of crimes which antedates the report by more then 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 a reasonable cause to believe the information is inaccurate
Consumer complaint received 2019-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

There was damage to my home on XX/XX/XXXX and an insurance claim was made. The insurance company issued to checks for the damage, one for {$6800.00} and the other {$1600.00}. On XX/XX/XXXX Freedom mortgage sends them back to me with a letter stating " checks were not endorsed '' I call Freedom mortgage on XX/XX/XXXX at XXXX XXXX  and speak to " XXXX '' she says the balance is {$0.00} so tell the insurance company to take Freedom mortgage off the check and reissue it just to me because they were written to me and Freedom mortgage together. 

I call the insurance company and they said since Freedom was lien holder at the time of loss they will have to sign the check and it can't be reissued just to me. 

I call Freedom mortgage back on XX/XX/XXXX at XXXX XXXX  and speak to " XXXX '' and tells me to send in proof it was paid off even though it was Freedom mortgage. 

I call back on XX/XX/XXXX at XXXX XXXX and speak to " XXXX '' who escalated it to a manager and she said the manager said to send the check in endorsed and they will sign it and send it back and told met to send it to : XXXX XXXX XXXX, XXXX SC XXXX. 

I sent them in by XXXX  and followed up they promised they would send the check back if I signed it. 

I follow up on XX/XX/XXXX and spoke to " XXXX '' at XXXX XXXX and she says the checks were received and will be signed within 24 to 48 hours. 

I follow up on XX/XX/XXXX and spoke to " XXXX XXXX '' supervisor. ( ext XXXX ) she claims they are not sending the checks back but are keeping it because I completed a " Deed in lieu '' and the loan was paid off after the date of the check until that day on XX/XX/XXXX. 

This was a ploy by Freedom mortgage to trick me into endorsing the checks and sending them to them. They misrepresented and XXXX by telling me " if i sign the check and send it to them they will endorse it and send it back '' I am a 100 % XXXX XXXX XXXX veteran and this is a VA Loan.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

XX/XX/2019 Called company because of excessive fee structure - usually, an annual fee on a card is associated with some other rewards points, lower interest rates, no foreign transaction fees, reasonable compliance fees, especially when one has excellent credit -- because Citi is trying to charge me a {$75.00} annual fee on a card with minimal points, that charges foreign transaction fees, has an interest rate of ~25 % and asked them to eliminate the annual fee and lower my rate. Their agent canceled my card without my permission. I called back to complain and they took me through the process of reapplying for the same card and said because the card was new there would be a {$75.00} annual fee, but they would waive the {$75.00} fee on the prior account that is now closed, however, the account is closed so the fee should not be owed. 

In order to switch the card to one without an annual fee and try to get my rate lowered I would have to call back once my new card arrived, expecting me to spend yet more quality time with them on the phone. The {$75.00} fee remains on my closed account, we'll see if they maintain their request for payment ... This company is not trustworthy and unscrupulous.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (CA)

I received a letter about a debt that Mandarich law group LLP was attempting to collect for XXXX XXXX XXXX which claimed that the original company was web pay in XX/XX/2021. I ignored since I had no idea who any of those companies were. And to be honest it looked like junk Mail. After some time my employer notified me of a garnishment on my check. That was the first time I was informed of this garnishment. I was confused and shocked that this company was able to do that without my knowledge. I have been getting my wages garnished for over a year. This garnishment has taken a toll on my finances as I am a father XXXX XXXX Im barely making ends meet. I didnt know how to get this fixed or removed. I was told that in order for a company to garnish your wages you must be served documents and then go to court. That was not the case. They also have my address with missing information. That is how I know that they illegally garnished my wages without notifying me. Also they have over charged me. On the original letter sent to me it stated that the amount owed was {$5100.00}. To date they have garnished over {$8300.00} from my wages. + over {$100.00} in garnishment fees. Also on the letters they now sent me it states that they are currently in the process of getting their license to be a debt collector. Please help me get the company to return my money that was wrongfully garnished from me. Thank you.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

On multiple occasions Ive gone to deposit cash into my account via XXXX CT and XXXX CT KeyBank branches ATM. Both occasions my money was eaten by the ATM. I called customer support and theyve said I wont see my money for 10 business days, causing an overdraft fee to my account. I was told to not deposit over {$100.00} cash into my account to avoid risk of losing it, the last I checked this was a bank backed by the FDIC and I should never face risk depositing {$100.00} into my account.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NY)

For 2 weeks I have been trying to contact the Bankrupcy dept of Midland Financial LLC. There is a Leon on my home that was discharged in Bankrupcy. I have made at least 100 calls to this company 7 different department and have not been able to get a representative on the phone that can help me solve this issue I ask to speak to someone in the states and left me on hold for a hour. 
I am at my wits end trying to resolve this issue and have had no success. Please help Im scheduled for a closing on my home on XX/XX/XXXX XXXX  and can not close due to this issue. This company has insufficient standards for the consumer to obtain their personal information to solve a issue. The dates of calls are from XXXX  XXXX XXXX to present date. Thank you
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — Store credit 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: GreenSky, LLC (WI)

We entered into a contract with a window company on XX/XX/2021. GreenSKy was the finance company they used. We were qualified and put a down payment of {$3600.00} on Green Sky account and {$4500.00} our XXXX rewards CC.

The remainder was to charged per contract upon 1 ) completion of job 2 ) full inspection with customer 3 ) formal consumer approval 100 % satisfaction per contract language. 

On XX/XX/2021 the final amount XXXX was charged to our Green Sky account. The job was not completed and as of today, XX/XX/2021 we have no windows. 

After numerous phone calls to the window company and also GreenSky that amount was finally credited back on XX/XX/2021. 

After this happened we did a lot of investigating, We contacted the XXXX  and XXXX and both have a file of complaints with this window company and also with GreenSky. 

After months of being told that the windows are not done and the manufacturer was behind, we contacted that manufacturer to find out that our windows had been done since the end of XXXX. They even sent us pictures of our windows sitting in their warehouse. The window company owed them money and they had many many orders basically being held hostage until they paid their debt. 

At this point both the XXXX  and XXXX sent a letter to the window company asking for our down payments back and out of the contract. He did not respond to them. We also disputed the down payments with both credit companies. 

GreenSky did take the {$3600.00} off. Our statement on XX/XX/2021 showed a XXXX balance at which time we closed our XXXX account and received a letter stating it was closed.. Today we were notified that they, GreenSky reopened our account, without our approval and put that amount back on stating that the window company had receipts showing the money they have spent on our windows.

Seven months since signing the contract we have no windows. We have been lied to, our money was taken without our approval. Our windows were also ordered incorrect and according to the manufacturer were reordered 5 weeks ago, they are still not made and in a cue according to time stamp.

We are GreenSky 's customer they have not defended us but backed the window company. We also know from the XXXX in Wisconsin we are not the only one Thank you
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I received a hard inquiry on my card report for a line of credit with XXXX XXXX that I didn't apply for. It was applied for by someone using my name and information but a different mailing address in a different state on XX/XX/2024.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Citi Best Buy c redit card keeps ignoring my reports of fraud on my account. They keep making me pay for fraudulent transactions and interest. It started on  XXXX   XXXX   XXXX  with a purchase at Best Buy that should not have happened. They claim that I originally wanted to dispute the transaction ; this is false. The transaction IS NOT MINE!     Also, there are transactions in  XXXX  and  XXXX  of  XXXX  for  XXXX   XXXX  for   XXXX   XXXX   XXXX   XXXX   and several transactions between  XXXX   XXXX  and  XXXX   XXXX  for   XXXX   XXXX   XXXX   that are FRAUDULENT. They restricted my access to previous statements so I ca n't view the specifics.