davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (FL)

XXXX charged me for In Home Service XX/XX/XXXX. It wasn't In Home, it was Outside, which is XXXX 's Responsibility. I have a hand written note from the Tech stating can't deliver new cable signal under the driveway, Service cancelled and monthly amount auto paid in full throughXX/XX/XXXXuntil service cutoff. I was never contacted by XXXX or Diversified. I have a XXXX XXXX Account and got an alert around XX/XX/XXXX that a negative report had dinged my score by 100 POINTS! Diversified Consultants had made a negative report against my credit to all 3 agencies for an erroneous past due balance from XXXX for {$190.00}. The minimum amount that can be reported is {$100.00} and the charge is fabricated and piled on by fraudulent interest charges. Diversified has literally thousands of complaints and bad reviews online and I won't even get into how I feel about XXXX.. These bottom feeders used the negative credit report in retaliation to try and flush me out and frighten me into paying an erroneous past due bill. This is a clear violation of the Fair Credit Reporting Act by both XXXX and their hired henchmen, Diversified. They need to be brought to task for these kinds of tactics. They should be punished to the full extent of the law and have their licenses revoked. I have registered disputes with all 3 credit bureaus, XXXX XXXX and have alerted all my creditors. XXXX has already removed the negative report. However, that does not undo the damage already done. It will take months to get the 100 points back. I'm self employed and this makes it next to impossible to run my business. I want these people punished. I'm seriously considering hiring an attorney because there are clear damages. Thank you, I appreciate any help you can offer me.
Consumer complaint received 2017-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I filed a dispute letter with TransUnion on XX/XX/XXXX regarding 7 unauthorized inquiries into my credit. I received a response from the company on XX/XX/XXXX that an investigation was being conducted. I sent a follow-up letter via certified mail on XX/XX/XXXX after 30 days had lapsed and I still had not received the results of the investigation. It is now XX/XX/XXXX and I still have not received the results of the investigation as to these 7 unauthorized hard pulls on my credit.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion keeping putting wrong information on my credit report. I have call and dispute this informatin over and over i have ask them to send me copy of the verification procedures they keep sending letter back saying the same thing over again they arent verifiy the information
Consumer complaint received 2018-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

THIS IS NOT A DUPLICATE! same problem, same company, different co-signer. 
I have been asking Navient to release my cosigners for 8 months now and can not get any specifics on why they are refusing to do so. 

I sent a letter to Navient, which they received on XX/XX/XXXX, requesting an explanation, in detail, for why they refuse to release cosigners even though we met their stated requirements. As of today, XX/XX/XXXX, they still have not answered me. Plus they keep sending ridiculous answers for why they can not answer my questions. Playing games to drag it out longer so they get what they want. terrible, terrible, terrible, crooked, lying, stealing company. Some things they tell you only over the phone, some things they only tell you snail mail, some things they only tell you by fax, it's absolutely criminal.
Consumer complaint received 2021-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Management Services ( RLMS ) RLMS, I am filing a complaint against your company based on the way my loan was handled after it was transferred to your organization. This is a two-part complaint. The first complaint was filed with XXXXXXXX XXXX  XXXX, see complaint # XXXX, so moving forward starting on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX loan to Rushmore Loan Management Servicing ( RLMS ). Rushmore Loan Management Services, I am including copies of checks that were paid XXXX before your company took the loan. Both XXXX and Rushmore have copies of all checks because copies were either faxed or mailed to them. Also, I am providing copies of checks, XXXX payments, and letters that I received from RLMS, Loan XXXX, from XX/XX/2021 XX/XX/2021.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Background- as a precaution to the security breach by XXXX , and my husband 's identify being compromised. I put a freeze on all three credit reporting agencies in XX/XX/2018. On XX/XX/2018, I wanted to lift the freeze temporarily as my husband and I are buying a house and needed to have credit pulled. I successfully completed the temporary lift with XXXX and XXXX both online or over the phone on XX/XX/2018. I called Transunion after I attempted to go online but could not remember my XXXX pin. I spoke to three individuals about what alternatives they had in place other than requesting a new pin ( 3-5 business days ) by mail. I had to repeat my story three times. Two individuals asked me to guess what the pin was by giving them what I believed was my pin #. I was told by all three they could not give a new pin over the phone. I offered to verify past information on my credit report or give other specific identifying information. The last person I spoke with was XXXX ( no last name ) in " Special Handling ''. He offered that I could write a letter stating I forgot my pin, provide a copy of ID ( GA Driver 's License ), state the time period I would like the lift, and then provide my payment information, but he could not guarantee this request would be completed today. He said I would need to fax it over to XXXX. I repeated back the information and confirmed the fax number. The fax number was not correct and I had no way to call back XXXX directly. He didn't give his full name or his number. No one seemed concerned about asking me for my pin # over the phone and how not secure that request was but of course as XXXX said, he wouldn't want to go to jail over using my pin so I should assume the two other individuals who had version of my pin felt the same. I understand the need to protect consumers but when Transunion takes steps to protect consumers they also need alternatives that address the consumers needs who are honest and forthright. Transunion is only concerned about its company, not about instituting better procedures and protection. I spent over 2 hours on the phone stating my story to three people and not one person had a solution that worked. Extremely frustrating!
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: KEYCORP (NY)

For the months of XXXX, XXXX and XX/XX/2020 I was charged a {$3.00} fee for paper statements. I never received any paper statements and did not change my settings from paperless to paper statements.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For the last 6 years, there has been someone changing the first name of XXXX to an intentional XXXX which is a slapping insult on me as a federally protected birth titled person. When it was corrected, at a later time then it was discovered again which makes it intentionally suspicious. However, last year in my state, I made an appeal to my State Atty General ( XXXX. XXXX ) for help. They thought it was taken care of when they had them call me in 2014. We were told by XXXX Trans Union that it was being sent in this way from some company consistently and that they had to correct. The State A G office this year got a second call from me stating that I had received a doc XX/XX/XXXX where Trans Union XXXX when my history was under a red alert for a 90-day period of time, and the name and address was correct. By XXXX XXXX companies sent a new account out due to the fact I placed a new alert on for another 90-days. This was photographed on my cell phone showing that Trans Union started this up all over again. The State A G told us that it was not an outside influence doing it but someone inside doing it for all that time. Now that I have photos, it shows a spiteful abuse of my first name. I am tired of whoever the person is XXXX with my personal government information because they think it is undetectable and fun. I would like the government to arrest and sort out all the people worthy of prosecution and make a XXXX determination on those who are worthy of the XXXX facility. Six years of trashing me as a dignity of this state, OR any other non-titled person is worth a house cleaning party effective immediately by the XXXX. As well, I expect a full shut down by the XXXX XXXX XXXX who will confiscate computers where they are and work on information from that angle. Dot your i 's and cross your t 's. Docs can be sent from my phone at XXXX XXXX XXXX if you want to try that. Otherwise please wait for a certified letter with the copy in it. This will be mailed out the first week of XXXX hopefully. 
Thank you very much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to get a validation of debt request fulfilled for many many months with no success. XXXX XXXX has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete XXXX from my credit report immediately. 

Also, I was informed that XXXX & XXXX would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.
Consumer complaint received 2021-10-23
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. (LA)

I have sent my Deletion letter from XXXX XXXX to the Credit bureaus and they refuse to take the Bankruptcy off my credit report. I sent them the letter from XXXX XXXX because they had no way of proving the Bankruptcy was valid because the courts don't verify and XXXX XXXX deleted it from their system.
Consumer complaint received 2020-07-27
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. (TX)

No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NJ)

On XX/XX/XXXX I had made a payment of {$30.00} to Nelnet. This morning XX/XX/XXXX I see my credit score has dropped 31 points because my Nelnet student loan went up {$26.00}. This is not accurate reporting. I also see that I have one missed payment ( according to them its considered 2 ) when my account was supppose to be in a forbearance in XX/XX/XXXX.
Consumer complaint received 2016-12-30
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (WA)

I cosigned a car loan for my daughter. Her checking account is with Wells Fargo, XXXX branch, and the loan is with XXXX in XXXX. She had arranged automatic payments sent to XXXX and this happened successfully for several months. For a reason no one has been able to explain to us, WF started sending payments with the wrong account number. XXXX notified my daughter she was delinquent and charged her a {$60.00} late fee. On XX/XX/XXXX, my daughter and I met with XXXX the branch manager to discuss this. He admitted it was a WF error and that they would correct it. I stated my concern about his affecting my credit report and was assured that would not happen. After eight days XXXX still had not resolved this and had put excuses and demands in our way each day. I called his supervisor-he would not provide that contact information, we had to find it elsewhere, spoke with his assistant and later him and they assured me that was not the way they do business and they would ensure it was resolved, and it was in a matter of hours, not days. But this week I have been notified that they has been a negative charge against my credit rating reflecting this issue. So WF has negatively affected my credit rating over a {$60.00} dollar mistake they admit they are responsible for and ca n't seem to correct. I 've been told by XXXX that they have assigned a " resolution team '' to this and should have it resolved by XXXX next week. So for over a week they have negatively impacted my credit report. We have disputed the claim with the credit agency, but this is ridiculous. I have also informed XXXX I expect WF to compensate me for the damage they had done to my credit for however many days it remains, the inordinate amount of time I have had to spend on this, and the inconvenience they have caused me. I do not feel that I and my daughter should bear the brunt of their error and there are no consequences to them.
Consumer complaint received 2020-06-04
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. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}
Consumer complaint received 2018-05-11
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: Experian Information Solutions Inc. (MD)

Experian credit bureau allowed XXXX XXXX XXXX to report delinquent payment activity on an account that had been discharged as a result of my XX/XX/2015 bankruptcy. After filing several disputes and providing proof that XXXX XXXX. reported the information under fraudulent pretense, Experian still refused to update or remove the account.
Consumer complaint received 2017-01-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GCFS, INC. (CA)

I was alerted by the credit bureau that a Loan inquiry was submitted in my name when I reviewed my credit report I also noticed there was another credit inquiry on my credit report from the same company which I never gave permission to do as a matter of fact never spoke to anyone at Greater California Financial Services aka GCFS Inc until XX/XX/XXXX to question them about this fraudulent activity. XXXX from GCFS told me they can do this because they are a collection agency, I said not without my permission. I also found a Judgement on my credit report from XXXX filed XXXX XXXX, XXXX in the amount of {$4300.00} and just received a letter XX/XX/XXXX that I owe them over {$11000.00}. For one I was never served with any papers about any of this, to go to court on, so I went to XXXX XXXX records I saw a thick folder of papers I 've never seen in my life that this company has gone to court against me, with liens against me, including a fee waiver so it cost them nothing to file papers against me, a collection company with no money to pay the filing fee and the court grants it. Sounds illegal all the way around. They took over {$1300.00} XX/XX/XXXX from my credit union without my permission somehow, XXXX XXXX XXXX XXXX XXXX in XXXX CA, when I called to question this, the bank said GCFS sent us a letter there was n't anything they can do. GCFS has been taking money out of that account ever since XX/XX/XXXX, but the judgment from them was XX/XX/XXXX and I do n't know what for but every so often money is given to GCFS, I do n't understand this and do n't know how they can do this and the bank just keeps giving it to them. I 've reported them to the police to the Office of Attorney General, XXXX, I 've put a fraud alert on all XXXX credit bureaus but its GCFS a company that is doing the Fraudulent activity not a person doing the identity theft GCFS is using my name to put in loan inquiries without my permission never would I give them permission for any of this.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted request to Experian regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

1. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

2. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

3. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

4. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

5. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

6. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 
7. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

8. This inquiry was not authorized! 
Texas XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

9. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.
Consumer complaint received 2018-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (NJ)

I made a large payment of {$49000.00} in XX/XX/XXXXwhich Discover applied incorrectly to my account. Suddenly in XXXX I started getting bills saying {$0.00} due next payment due in XX/XX/XXXX. Then this year I get bill saying that my payment of {$320.00} is due. I contacted Discover and asked for a full review of my account and why I now m owe {$320.00} a month. Discover sent me an amortization of w.hat I owe them. I called again and they said they would look into it and call me back, no call. I finally got a supervisor who told me that my account had a problem due to a system upgrade that triggered the new payment. I was also told a team was working on my account and would get me definite answers. 
I received a letter this week saying info was posted online for me to see, nothing there but an incorrect bill. Additionally, both my son and I are receiving phone calls and threats to turn us over to Credit Bureau as delinquent. This saga has now been going on for five months, and I still cant get the info on how my payment was applied, how much I have left to pay ( number has changed at least three times ).
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (WV)

A few months ago, XX/XX/2021, I cashed a large insurance settlement check after being crashed into by a drunk driver and the company I cashed it through who works with western union deposited the max amount it would allow. It was a little less then {$800.00}, around {$750.00} transferred to my XXXX XXXX Account. For some reason the card would not allow me to use it. A team informed me I hadent used it In A while and with a large deposit I needed to confirm who I am by sending a copy of my Photo ID. My photo I sent was a copy of my current drivers license with all information correct and matched. I was told that was fine. A few hours later I tried to use my account and was informed it was still locked. Even though I sent my ID that because he didnt like my tone, he is also demanding to see my official social security card. I refused to send my social security card. My drivers license is an accepted form of identification. This was not a new account, this account was opened for a couple years. Because I worry about fraud and Id theft there was no way I was now sending my actually social security card to them. The women I was originally speaking with confirmed my social security number over the phone when asked for it, I repeated it. I was told the only thing I had to do was send my photo Id. The customer service reps manager then took it apon himself to inform me he is closing my account, I am being banned from XXXX XXXX XXXX, and I will never be receiving my money. He has claimed to send back to sender. The next day I went to the office where the money was transferred from and they have no record of money sent back. Ive said he wasnt mailing my money, that Im not getting anything from them. The rep made good on his threats. To this day, I cant find my money. I cant get another card as Im told I am literally banned black listed from them, and I have no access to the online account that would have any information. He locked my account and they will not unlock it. I am in able to look at any of my transactions, monthly summaries, or even the deposit. 
Western union claims to not have my money. My money has disappeared, I have no account access, and I was verbally assaulted by the customer service manager that was on duty.