davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-02-13
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. (FL)

I never gave Navient the authorization to acquire my loan. I checked my credit report and found XXXX dollars owed to them. Im also on social security XXXX. They have destroyed my credit and keep adding interest. Ive tried calling the company and it just rings. I need a lawyer as well but on a fixed income. Im sick and dont need this added stress.
Consumer complaint received 2018-11-13
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: CREDIT ACCEPTANCE CORPORATION (MD)

XXXX has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I called Experian yesterday to discuss this issue - as to why my FICO Score dropped so dramatically. XXXX stated that he would annotate my account with my concerns. I noted to him that I have nothing derogatory or late payments. I further noted that it is probably due to few accounts. However, I find that to be problematic. I am submitting this to you on my behalf. I also believe that this should be shared among the 4 Credit Reporting Agencies. Experian, XXXX, XXXX  and XXXX. I have attached the score report and my dispute that I have drafted.
Consumer complaint received 2019-02-13
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. (FL)

All three credit reporting agencies have come up with a scam to defeat the intent of Congress. We have a right to have information more than 7 years old taken off the report, but they now penalize and will not give you a good credit rating if you have had credit only 7 years. They reduce your score by at least 50 to 75 points, continuing to penalize you, disregarding the intent of Congress.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

When I took out my loan with Wells Fargo Mortgage, my loan officer ( XXXX XXXX -- who is no longer with WF ) told me that the PMI would be removed when the LTV was 80 % or less. That is my understanding of the Home Owner 's Protection Act as well. 

I just got off the phone with the WF Borrower 's Service line. They just told me that they will not automatically remove the PMI until I pay it down to 78 %. It is currently 79.2 % LTV. 

The officer told me one thing ( and the other officers will only refer me to the Borrower 's Service Line ) and now, when I have paid down the principal they're telling me a different story. 

This is dishonesty but apparently this is also par for the Wells Fargo course.
Consumer complaint received 2019-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/2019 I had ordered a service called XXXX which states that they can erase your XXXX if its locked etc. They never in their refund policy state that you need to take screen shots showing that their downloaded service to your computer doesnt pick up your XXXX / ie recognize it. They were also supposedly on vacation at festivals and couldnt get back to me. Which I thought was weird. They did get back fast when I contacted PayPal. PayPal hasnt done anything about this / its a simple case. The company I mentioned above wants screen shots showing that my device doesnt work with their software but they never once tell you that if you want a refund you need to take screen shots. I dont have the phone I brought it back to XXXX told PayPal and the merchant that I cant provide screen shots of a phone where their service doesnt recognize the phone ( however XXXX XXXX did ) so its a problem with their software, if i dont have the phone anymore and I can prove that I had to send the phone back. So Im being charged by PayPal and the merchant XXXX for something that never worked to begin with nor was I told to take screen shots to get s refund prior to sending back my phone so why am I paying for software that didnt work and 2. If they required screen shots from me they should put that info in their refund policy online which they dont - XXXX scammers.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (OH)

On XX/XX/2023, I transferred XXXX XXXX  to my personal bank account in XXXX through Western Union Bank. This was my first time making such a transaction. During the process, I received a receipt that included a non-transaction fee. According to their promotion, new customers should not be charged additional fees. However, after completing the transfer, I noticed a reduced rebate on my account. I need your help to solve this problem. 

My Transaction Tracking number ( MTCN ) is XXXX XXXX XXXX.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

I have financial dealings with Ally Bank. On XX/XX/XXXX there was a {$10.00} fraudulent withdrawal from my checking account. The amount was not significant, but it prohibited deposits to that account ; it seems that my card had been cloned. 

I disputed the charge. Ally did not respond and I sent a secure message to them. Their wait times for telephone contact are over One Hour ; their Chat fea ture has repeatedly informed me that my " session has expired '' ( this was months ago ) and complaints made by me were never successfully addressed. 

I have hundreds of thousands of dollars with this bank and being unable to contact them to order a new debit card for my convenient checking account is beyond comprehension. 

The charge in question is this : XXXX XXXX XXXX XXXX, TX, XXXX - {$10.00} - {$6.00} XX/XX/XXXX I have no idea who this is ; there is no information on search engines, and Ally has not responded since I disputed the charge on XX/XX/XXXX. 

For whatever reason, Ally 's 24/7/365 phone contact is now HOURS of waiting, and the fact that I am unable to CHAT with them and have never been able to resolve that issue, I am reduced to filing this complaint. 

In order to change a PIN and/or order a replacement card, one has to CALL them. Even secure messaging is unacceptable according to them. Other than waiting hours for phone contact, I am given no reasonable option. 

XXXX XXXX XXXX
Consumer complaint received 2019-02-13
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. (FL)

experian credit report continues to incorrectly report XXXX credit card as over the limit. This information is incorrect and this card was paid in full 45 days ago. I have disputed this twice to experian and they keep coming back with the same balance that the card had in XX/XX/2018. Both XXXX and XXXX XXXX have updated their information correctly. 
They also continue to report a collection account with XXXX and associates which is not mine and has been removed from XXXX and XXXX as well. i have attached both accounts information as they still continue to report it.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX , I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

XXXX XXXX XXXX Account XXXX I have never received a single letter from this agency ; however, I am now seeing this on my credit report through XXXX. Additionally, the amount that the agency is trying to collect is absolutely fraudulent. According to my healthcare insurer XXXX the patient responsibility on my claim is {$2000.00}. XXXX XXXX XXXX is reporting a debt that is completely inaccurate {$6400.00}. I had absolutely no knowledge that this was in collections because I had not received any correspondence. I do not feel that it is very ethical for the Law Office to try to collect more than the hospital is contracted to be paid.
Consumer complaint received 2019-02-13
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: JPMORGAN CHASE & CO. (TX)

Good day, To whom it may concern On XX/XX/2018 I paid to Chase the full amount of {$4100.00} and paid off my car. For some reason the person who took my call did not verify with me all the information a had provided to them about my bank. Two weeks later I received the title of my car. Then a week later I received a letter from chase saying my payment did not went through and that my account was open again. I call them gave my information again the person who answer me double check the information I gave them and my payment went through 3 days later. So when chase reported this to the credit bureau it hurt my credit and drop 29 points on my credit score. I should not be penalized on my credit score and I want those points back. If anything my credit should have gone up for paying the last 6 month in full. My score went from XXXX on XX/XX/2018 to XXXX on XX/XX/XXXX. May you please help me recover my points as I am looking to buy a house and I dont want to get higher rates because of my score drop. Both my credit bureau XXXX XXXX and XXXX  dropped. Thank you in advance for your consideration. 

Best Regards, XXXX XXXX Cell : XXXX XXXX XXXX
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OH)

Received this card in the mail. We did not and have never applied for this card. The card is a Reliacard from US Bank. I called the customer service number on the card but they will not answer the phone without giving them additional information.
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trojan Professional Services, Inc. (DE)

I have disputed this debt in collections on my credit file several times. I have never received any information as to what this debt is for. I was not given a chance to rectify this before it was reported to my credit file. The credit bureau only updates my credit file stating the debt is accurate however the credit bureau nor the collection company has ever given me any explanation. Also I have no idea what Trojan Professional is.
Consumer complaint received 2018-11-13
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: EQUIFAX, INC. (NH)

XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX  or XXXX XXXX  XXXX XXXX.
Consumer complaint received 2023-01-31
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX is listing my date of birth wrong on my TransUnion credit report. 
It is listed as : XX/XX/1961. This is NOT my correct date of birth.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DOLLAR MUTUAL BANCORP (PA)

XXXX XXXX I went to Dollar Bank XXXX XXXX, PA branch to do a deposit. I was notified that Dollar Bank decided to close my account. I sent the attached letter to XXXX. The statements are facts backed by Us codes. I feel discriminated and violated. Also embarrassed because the manager at this particular site was loud an rude. It's apparent that Dollar Bank doesn't value its customers. Yet rather violates them when they " question '' and of their procedures that they deem. See attachment
Consumer complaint received 2023-03-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

BBVA was my original mortgage company we had slow payments that turned into missed payments. We set a a repayment plan with XXXX in the collections department and began paying. We got down to {$1400.00} dollars and BBVA was purchased by PNC. 

PNC says theres no record of the payments and have not provided my checking account history. They are not operating in good faith knowing my financial situation they offered for me to pay {$2500.00} on top of my mortgage for two years then my mortgage would return to normal. 

They refused to research the phone number of the person in collections that I was making payments to at BBVA. XXXX number was ( XXXX ) XXXX. Even is she was laid off during the process of BBVA going out of business they couldve found out who she was and contacted her for verification. 

Im a senior on XXXX and they want to throw me on the streets. They stopped taking my payments, and started passing my phone calls around until the line went blank. They even did that to my attorney, they are slow to respond as we get closer to the auction date. I was referred to you by the comptroller of currency.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo. Fraudulent. Long story short, Im a XXXX XXXX and make {$100000.00} annually but somehow, due to WF 1-reprocess and rerun transactions structure 2- their fee structure 3- they run some cash type app transactions twice I have {$2.00} to my name and thats not uncommon. In fact, until XXXX, they feed my account to - {$690.00} each time and then charged me return fees for everything they wouldnt let clear- things I had money for bc..well, I work hard and i, on paper, am doing well. Please help. Please. I cant stop withdrawals. Theyre reposting things for diff amts on different days. I believe theyve unfairly feed me to death. Please help me.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been back and fourth with Transunion about a bankruptcy that appears on my credit report that i have no knowledge of. I have asked them to investigate on numerous occasions and their response to me is that they will not investigate my complaint. They have never verified or did a real investigation. I spoke with the bankruptcy court and they stated to me that they never gave permissible purpose to this company to report such inaccurate credit information. 

This bankruptcy has to be removed at once or i will be taking this to court, its ridiculous how bad Transunion operates business.
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (WA)

Got a letter from Great Lakes stating my principle balance. To my surprise it was more than what I loaned. Over the past few years apparently the payment plan they have me on isn't paying any principle down, in fact it's accruing. I am struggling to understand how this can be offered to a student. This seems like a scam, to make money off a large education based debt. Is this legal? I called customer service at Great Lakes on XX/XX/19 to get an explanation and was told that it isn't explicitly revealed to the borrower that this payment plan will not pay off principle. Following that she claimed borrowers are told this information. Didn't seem clear. Shouldn't we be protected against programs that don't pay off our loans? I am beside myself as I support my family on a single income, trying to get out of my educational debt. An insurmountable hill knowing what I now know.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

I applied for and received a Citi XXXX XXXX Mastercard. The promotion stated that XXXX AA miles would be awarded if {$2000.00} was spent in the first 3 months. I questioned the representative on the phone about my individual case, because I had had a Citi AA Mastercard previously, as to whether I would qualify for the bonus. I was assured that I would receive the bonus. Acting in reliance on this representation, I continued with the application and completed the purchases as required. I phoned Citi AA Mastercard today, XX/XX/ 2019, and inquired as to when my award would be credited. I was informed that I did not qualify for the promotion, because of my prior card within 24 months and that there was a disclaimer included with the card which was sent to me. My objection is that Citi encourages credit card applications with verbal assurances, and then refuses the award asserting a written disclaimer amongst the Citi terms and conditions. This is deceitful misrepresentation to promote a credit card and con a consumer.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company (FL)

Statebridge Company has reported my mortgage payment as being " late more than 30 days '' when no such thing occurred. Statebridge had wrongfully charged me for forced placed insurance and has since admitted to this " mistake '', to put it lightly. The correct and on-time payment I sent for XX/XX/2018 was accepted by Statebridge but not applied to my account, claiming the funds were insufficient due to their wrongful assessment for forced placed insurance. The reporting of my account being delinquent, to the credit bureaus, had caused my credit score to drop by 49 points, severely effecting my creditworthiness.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (WV)

I moved out of my apartment after my lease was over due to the fact that I had complained repeatedly to the apartment about the roaches and trash all of which I have documentation for. As well as the trash in the stairs that resulted in my wife falling and nearly breaking her leg and going to emergency room. As a result of their incompetence we moved out. We were never evicted or taken to court or even received any notice whatsoever from a collection agency. Until today when it popped up on my credit report. I have never received a notice as required by the FCRA. I want this removed off of my credit report immediately or I will see you in court for violation of the FCRA law.
Consumer complaint received 2018-03-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I made my month payment to my loaner. on time but the payment was never apply to my bank account and they told me the bank didnt approve the payment!! When i called again they told me the have the wrong bank account when i been making the payment with the same bank account.they been changing the answer on every single call i did!!! When i called told them to make sure why they didnt take the money out and they gave me a different story i was told that I didnt have enough money when i know for sure i did have the money to pay, the loan now they are charging me late fee and my credit score went down because of that.i just want the bank loaner to fix the payment to make sure they take the money out the bank account and dont over charge me, to fix my credit scores!!! Thank you so much i hope you can help me out