davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (MN)

On XX/XX/2019 I received notice from my employer that my wages were to be garnished for the amount of {$1400.00}. With case number XXXX XXXX. The amount was garnished and I thought that everything was done. On XX/XX/XXXX I receive another letter from my employer for the garnishment of my wages for the amount of {$1500.00} for the same case number. I called XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX and after giving my name address and case information I was transferred to Representative XXXX XXXX ( direct line number XXXX ). I asked him about the situation and he told me that they had not received the funds from my employer and until they get a check the situation would not change. He said I could pay the {$1500.00} in certified funds now and they could not collect more than what they are owed. I asked him what address there were sending their correspondence to and he told me and old address from 8 plus years ago. I gave him current address which he entered into the system. I asked him what address was on the court documents he responded with my my current address I asked him again which address was used and he said my current address. I said he was lying and asked to speak to a manager. I was transferred to Collections Manager XXXX XXXX ( direct line XXXX ) I told him about the agent and how he lied to me. I asked him why the same debt was being collected twice. I was told that my employer had not paid the garnished amount to XXXX XXXX XXXX. He told me to contact my employer and he would contact his admin. I called my employer and was told they use a third party company XXXX for wage garnishment. I called XXXX and asked why the debt was not paid. I was told they could not release the funds to XXXX XXXX XXXX until they received a " Order to Remit Funds '' form. I was also told they could not do anything about the second Wage garnishment request until they received a " Wage Garnishment Release '' form. I called XXXX XXXX and informed him of the information I received from XXXX. He said he would talk to his admin and see what happened. I will be calling again tomorrow. 
My concerns are they are either incompetent in requesting funds or are trying to allow the interest to accrue so they can collect more money. This is a loophole that puts me and others at great risk. If they are cheating the system by refusing to accept the payment until more interest accrues and resubmitting garnishments they could be cheating people out of thousands of dollars. And if it is incompetence they should be responsible for the cost of it.
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TICE ASSOCIATES INC (NY)

I paid a bad debt with Tice Associates in full on XX/XX/2019. As of today, XX/XX/2019 the debt is still showing as unpaid on both my XXXX credit report and my XXXX   credit report. I know the creditor has 45 days to report the payment to the credit bureaus. This is well beyond the 45 day deadline. The last time they reported anything regarding this debt was XX/XX/2019, one day before I made the payment and nothing since it was paid in full. 

I have followed up with the company twice, once in XXXX and again today. Today I was told " you're clueless and obviously have no idea what you are talking about ''. 

I was dealing directly with XXXX XXXX. 

Not only should this debt be paid in full it should also be deleted from my reports as that was the agreement I made with Tice Assocites ( XXXX XXXX ) on XX/XX/2019.
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (KY)

I received a debt colection notice from a bill in 2014 that I was never aware I had, when I spoke to supervisor XXXX XXXX at Radius Global Solutions she basicly said there was nothing I could do to correct the issue did not offer to help to even settle the debt she only said she would make a note saying that I was declining to pay.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Forbearance plan was put in place after Hurricane Harvey. I was already 2 months late before I called and requested assistance and had over $ 5K of late fees on my account. I was called and offered the plan and was told over the phone that if I make 12 monthly payments of {$1800.00} ( Normal payment was {$1300.00} ) starting on XX/XX/XXXX and didn't miss any payments the whole 12 months, I would be all caught up and have no past due payments and all of my late fees would have been paid off as well. I was very worried about the large payment, but I had no other choice at the time. It was a hard 12 months, but I was able to make all of the payments on time and made my last payment this past XXXX. I even called them early in XXXX to validate what I was told and that after I make my XXXX payment all past dues and late fees would be paid off and my normal payment of {$1300.00} would resume and be due on XX/XX/XXXX.  They told me " YES ''. Even the automated system said after I made the XXXX payment that my next payment due is in the amount of {$1300.00} and is due on XX/XX/XXXX. Now they are totally changing everything up on me and telling me that I still owe the late fees and that all of these payments I've been making all year were going to the past due amounts that I had before Harvey and that even though I made large payments in XXXX and XXXX it still shows those months as being not paid. I asked to speak to the person who set up the repayment plan and was told they no longer work there. Now when I go online it no longer shows that my next payment of XXXX is due on XX/XX/XXXX.  It now shows that it is due for XXXX and I am two months late on payments. RIDICULOUS. WHAT CAN I DO?
Consumer complaint received 2018-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OK XXXX PLEASE UPDATE MY CURENT ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXXXXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  ACCT. # XXXX XXXX XXXXXXXX ACCT. # XXXXXXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX  ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX 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 2019-04-15
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (CA)

I purchased two MasterCards ( {$200.00} each ) from XXXX XXXX at XXXX XXXX XXXX, California store on XX/XX/2019. During the check-out process, one of them wasnt activated at all and they refunded me immediately ( {$200.00} ). Another card got processed successfully and my credit card was charged in full ( {$400.00} ). However when I tried to register the " activated '' card their website said the card wasn't activated and I couldn't register it and the balance was XXXX. 

Since then I have had several calls with BlackHawk customer service ( XXXX ) and was told to fax in details during every single call because they kept saying they didn't receive the fax. I have done faxing for six times on XX/XX/2019, XX/XX/2019 and XX/XX/2019 ( every time I faxed twice and all of them were successful from my end ) but still didn't get any response from them until today XX/XX/2019. 

The worse thing is now I can't even call their number using my cell phone because their phone system seems to automatically block my number. I tried another two different landlines during the last week and both of them ended up getting blocked after first time successful call. 

Now I'm stuck with one piece of plastic card which caused my {$200.00} and have no way to get my money back because all the phone numbers I used to call are now blocked by them.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have an auto loan with XXXXXXXX XXXX which was categorized as derogatory and had late payments. This was a mistake by XXXXXXXX XXXX and I was able to resolve the issue directly with XXXX XXXX  and they provided a letter stating that the derogatory information should be removed ( see attachment ) XXXX also mentioned that they contacted the bureaus. XXXX was able to remove the delinquent status, and remove the late payments and removed the redeemed repossession remark. However XXXX and transunion only removed the late payments and still show the account as a derogatory account and a redeemed repossession remark even though XXXX XXXX  contacted them to have this fixed. I would like for XXXX and transunion to to make the necessary changes to my account to reflect an open status and not derogatory status and also to remove negative remarks since XXXX already clarified that they are amending the loans payment history to remove all references to the disputed delinquencies on this account ( see attached letter ). Thank you.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I reported unauthorized charges on my bank account ending in XXXX. I reported XXXX charges that were not authorized. On XX/XX/XXXX XXXX separate charges were made in the amounts of {$56.00}, {$110.00}, and {$24.00}. During this time my husband was rushed to the emergency room via ambulance. We lost possession of our devices and his wallet for hours until after his emergency XXXX. 

As of today, we have received XXXX separate notices indicated that no action will be taken on the disputed unauthorized charges. This was not verbally discussed with us and is a violation of our rights under the Fair Credit Billing Act ( FCBA ) - a 1974 federal law enacted to protect consumers from unfair credit billing practices. Proper research will prove that those purchases were not authorized. 

We are requesting full details such as a detailed receipt of how the payments were made, identifying merchant information and services provided. The transactions disputed, claim numbers are XXXX and XXXX.
Consumer complaint received 2019-04-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I submitted all my documents for the Income driven payment plan and got a letter saying that my information that I was approved for XXXX dollars a month for my loan. This letter was sent on the XX/XX/XXXX. I called on XX/XX/2019 to make sure everything was good to go and to start my automatic payment. The representative tells me that i have two different payments due on XX/XX/2019. I told her that it is impossible and that am looking at my inbox and I never got a letter stating that I had two payments. I asked the young lady why do i have two payments and why was the second letter not sent to me. The young lady said she submitted a request for review. So I asked her, so I will be paying the XXXX and that they need to figure on their end why I have two payments and not 1 payment monthly. She suggested forbearance on the second payment. I told her that, this was not an option. Please help me. I have the letters and everything sent to me.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

XXXX, Equifax, XXXX XXXX have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from experian that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXXXXXX XXXX  Trans Union have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from XXXX that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law
Consumer complaint received 2020-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (GA)

I received a notice from Synergetic Communication Inc stating their client XXXX XXXX XXXX placed the account with their office for collection. Notice stated that I owed a balance of XXXX to XXXX XXXX XXXX, but they would resolve my account if I paid XXXX by XX/XX/2020. I have never had an account with XXXX XXXX XXXX and believe this is a scam. I have filed a complaint with the FTC as well as with the XXXX. I also disputed the debt in writing to both Synergetic and XXXX. During these trying times, these companies should be put out of business for trying to intimidate and scam people into paying money they do not have. I challenge our government agencies to put these despicable people out of business!
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I am an XXXX XXXX military member who has recently returned from living overseas for 4 years. As part of my new job and heightened security clearance, I had to submit to a credit review process. During this process, I learned that I supposedly owed approximately {$300.00} to XXXX XXXX. 

OnXX/XX/XXXX I spoke with XXXX XXXX of XXXX XXXX She informed me that the charge was initially a XXXX XXXX bill that went into collection. I am adamant that I paid all charges to XXXX prior to departing overseas. It would not, however, surprise me if I was subjected to a predatory account cancellation charge ( this has happened to me twice previously with cell phone companies despite doing everything within my power to ensure that the account was closed properly prior to departing and informing them of the military clause for cancelling accounts ). I asked for an itemized list of charges and was told that these would be emailed. I left 2 voicemails for XXXX on XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I called back and spoke to XXXX ( ext XXXX ). I was told that my request for an itemized list of charges was under " Manager Review '' at XXXX XXXX I was told that there was no standard for review and to expect " a few weeks or a month '' for return notice. When I asked if there was a specific standard I was told that " this information is not important. '' I have since not been successful at having anyone at XXXX, XXXX, or any other third party collection agency describe to me the nature of my alleged debt. I feel I have no recourse ( other than paying a debt I don't believe is mine ) than to request your assistance. 

The claim number for this is # XXXX and the contact # I have for the company is XXXX. 

Thank you in advance for any assistance you can provide.
Consumer complaint received 2019-04-15
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: Experian Information Solutions Inc. (CA)

Experian, XXXX and XXXX  received electronically verification from XXXX XXXX XXXX   Department on my Mastercard ending # XXXX update as my balance is at {$140.00} on XX/XX/2019 
But Experian, XXXX and XXXX are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not 33 percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and XXXX  and a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2019-02-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (SC)

My mother now deceased left a CD to be cashed upon her death to cover funeral expenses. The CD was with XXXX which later moved to Wells Fargo. I was Co-named on the CD to facilitate cashing the instrument. After her death ( XX/XX/XXXX ) I went to Wells Fargo to Cash the CD. Wells Fargo said they had no record of the account and that it must have been cashed. They could not locate any records of cashing of the CD or anything to do with the account including automatic renewal. I believe they lost the record and failed to update the auto renewal. The CD account was opened XX/XX/XXXX. She was in full command of her faculties at her time of death. The CD was for XXXX Dollars.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (IA)

I paid off my loan for my home on XX/XX/2019. I was told and received papers letting me know the escrow amount would be held for 20 days incase there were payments which had to be made. After 30 days I called to see what was going on and was told a check had been mailed to me on XX/XX/XXXX. I did not receive a check. The lady told me to call the following Wednesday if I had not received it yet. I called and a man told me they only issue checks once a month for escrow and that they would be sending me another check on XX/XX/2019. Today is XX/XX/XXXX. After waiting 2 hours on the hold on the phone I talked to XXXX who told me a completely different story. She said they had mailed the check on the 15th and had to wait 30 days to mail another check. She told me to get back with them on the 18th if I have not received it. I asked if there were another place that I could contact them rather than the phone because I was on hold for 2 hours. She suggested the web site which I have been on for about an hour, it has no information about my escrow. I feel like I am getting the run around from this company. I get a completely different story from everyone I talk to. The only thing they all have in common is that they want me to call back. She also said if someone cashed the check they cant reissue it. Now I expect them to say it was cashed so they don't have to refund my escrow. If I used the same excuses they did my credit would be horrible. It is just a wild goose chase from Nationwide.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not liable for debts and credit inquiries that are reporting on my credit report. These following companies are not mine and do not belong to me. XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX  on XX/XX/2023, XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These are accounts and inquires on my Credit Report that I am not liable for. Also on my Credit Report I am a cosigner with XXXX XXXX. It is stated that I am responsible for Late Payments. I have requested the original contracts for all above accounts which I still was not provided with and XXXXXXXX XXXX has not provided documents of late payments which I also requested.
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC. (NV)

I never received any dunning letters or notification from this company about this alleged debt. I disputed it with the 3 cred bureaus, ( XXXX, XXXX, & XXXX  ). It was removed from XXXX and XXXX  but not XXXX. It is not my debt.