davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc. (MI)

In XX/XX/XXXX a rep from Aqua Finance , Inc came to my new wife and I and sold us a water treatment system for a house in XXXX but after the system was installed their rep returned and informed us that because of a recent bankruptcy from XX/XX/XXXX, that there was a problem with the loan and that my now ex-wife would have to file for the loan by herself which she did, but since they are unable to collect from her they are using the 1st contract that they denied with me as part of it to collect from me. I have asked them to send me prove a approved loan in the form of a invoice which they have yet to do all the send is a copy of the 1st contract. I made a complaint to the XXXX and even in their answer they state that " Numerous conversations were had between me and them and that I even made a payment via a credit/debit card on XX/XX/XXXX '' which if further looked into we find that all were made by the true owner of the loan my ex-wife ... .to which I have been divorced since XX/XX/XXXX and that I had moved back to XXXX  also in XX/XX/XXXX..I also have been on XXXX since XX/XX/XXXX and on XXXX  since XX/XX/XXXX ... I have never claimed this loan and persist that again the 1st contact was denied, which is their only proof and which I believe has to be illegal to do.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

XX/XX/2022 I tried to send money to XXXX XXXX with XXXX through my USAA Federal Bank Account. I received a failed transcript for {$1000.00}. On XX/XX/2022 I sent {$400.00} which showed as delivered. On XX/XX/2022 I tried four times to send the {$1000.00} transaction again, but received a message of payment failed. On XX/XX/XXXX, there was a transaction delivered for {$1000.00} to XXXX XXXX. 

However, USAA withdrew {$400.00} on XX/XX/2022 and XX/XX/2022 for {$1000.00}. On XX/XX/2022 is when another transaction posted for {$1000.00} on XX/XX/2022 which was not there prior days before. My XXXX activity shows only TWO payment delivered transactions but USAA has paid out THREE times to the same account. 

USAA should be held responsible because on the APP the statement reads : XXXX and USAA do not offer protection for authorized payments, so money you send you may not be recoverable. 

However, USAA was not authorized to send an extra {$1000.00} to the XXXX XXXX. Therefore, they should be handle responsible for my lost income. The XXXX transaction does not show any extra payment, which means USAA sent that money without my permission. If that money was posted, I would have never tried to send it again. 

They tried to resolve by making the receiver responsible but ultimately they are at fault and told be my money could not be recovered with my dispute.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (GA)

This company NCC is reporting a debt for {$460.00} on my credit report with XXXX thats I do not owe. I r never had an contract with NCC Business Service. I have reached out to them several times. i have signed a afadavit they sent me stating its not mines. They still have yet to remove this from my file. This has negatively affected my score for months. I need this removed ASAP. Ive never had no business with them.
Consumer complaint received 2023-03-01
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-16
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. (NC)

I have a few fraudlent hard inquiries on my Transunion and XXXX report. 

I've contacted all of the financial institutions and asked for removal of those inquiries and they said they don't have tools to do that. 

Institutions I've contacted regarding inquiries : Transunion XXXX XXXX  XXXX 2 hard inquiries. 
XX/XX/2022 XX/XX/2022 XXXXXXXX XXXX 2 hard inquiries XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX hard inquiries. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XXXX  hang up on me multiple times when I've tried to resolve the issue XXXX said they will submit a dispute but member responded back to me
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WA)

My home loan was originally with XXXX XXXX. We had just agreed on a forbearance plan that was to start XXXX due to hardship. On XXXX, my loan was transferred over to Bayview Loan Servicing LLC. They are refusing to honor my forbearance plan. I have included the documentation showing the transfer and the forbearance plan that was accepted with XXXX XXXX. 
Spoke to XXXX ( ID # XXXX ) at Bayview Loan Servicing ( BLS ) and he stated that he is trained to say that they can only honor it if it is a fully executed completed loan modification and nothing else. 
Transferred to XXXX ( ID # XXXX ) Escalation dept and she stated the same thing.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

on XX/XX/XXXX I deposited a check with the amount of XXXX XXXX later that night when I logged in to my account I saw that my checking and savings aren't showing up and I was thinking there is a glitch .so then I waited until the morning and still the amount didn't show up. I call customer service and then they advised me there is a block on my account due to invalid check that I deposited on the amount of XXXX $ and there is nothing she can do. I then called again on the XXXX and asking the rep again what is going on. 
and all this was after I called my friend who wrote me the check I asked my friend to contact the bank to make sure the check is okay. 
my friend called the bank and the bank told her the check is valid and asked citi to contact the bank to verify. 
I called Citibank again and asked the rep to called XXXX XXXX XXXX to verify the check. 
the citi rep called and come back on the phone and told me the check is verified. the citi rep told me he is going to put a note for the back offie to reverence my account closure and removed the block. 
a day later I called again and still my account is blocked with no access to my money. 
they every single rep telling me that my relationship with citi is over and they are no longer servicing me. I have a screenshot of the check on the amount of XXXX $ has been cashed out from my friend account. so how can they do that to me and not giving me access to my account when the check is actually cleared by the other institution also every time I called I've been treated like a criminal. 
I am way beyond frustrated, I've been calling several times asking for a supervisor and no one called me. 
please help me
Consumer complaint received 2022-05-16
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. (MO)

In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX  XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number XXXX ) XXXX 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 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DEPT OF EDXXXX  Account # XXXX, # XXXX, # XXXX, # XXXX 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 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1. There has been a payment in XXXX  XXXX XXXX loan balance of approximately {$3600.00}. This decreased in balance and payments not reported by Trans Union, XXXX, and XXXX as a violation of Federal Truth In credit reporting act and FTC law. Led to inaccurate reporting with decreased in scores. 

2. All XXXX hard credit reporting by the XXXX bureaus be remove due to misrepresentation and Badfaith with malice intend. Was never told about hard inquiries and negative impact on my credit scores which have led to decreased. Violation of Federal Truth in credit reporting act and without full disclosures under FTC law. 

3. XXXX XXXX XXXX XXXX XXXX and XXXX credit cards all paid in full without any balances. Incorrectly report with carrying balances. Violation of Federal Truth In billing disclosure act and FTC law. 

4. XXXX XXXX balance paid in full with no balance.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION (TX)

Called BBVA Compass XXXX with a simple request : XX/XX/15 Over an hour stupid talk trying to get them to show me on either my statement or online where it shows the interest free promotion I am on and the deadline in writing that I could trust to be accurate and binding. They admitted it could not be found. Then that they will try and see if perhaps if allowed it could be emailed to me but it would take 3 to 5 days but not sure it could be done. I tried to hold for a supervisor but after over an hour with tons of additional stupid talk they said they would call back in XXXX min. They never did. 
XX/XX/15 Called again asking the same info to be shown to me on their statement or online but they still can not show me that. I mentioned filing a complaint and after a long hold time was then told they would mail it to me in 7 to 10 days. They could not email it to me today and I don't trust that I will ever get a letter. But that gives them another 10 days to blow me off. 
Being that I almost missed my 1st payment because I did not have a statement or their address to send it to and it also took a long stupid talk call to get that info, I have come to the conclusion that this company is trying to trip the public up into losing the interest free offer after they have paid 3 % to get a balance transferred. And note too that so far I am on time and still have the interest free offer but I don't trust they will hold to their offer if I don't see the date ending printed somewhere. All my other credit cards that I have done this with will have it listed on their statements and online too.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my 5th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (CA)

I was hopeful, being the victim of fraud, that Albert would comply with the law and not hold me liable for the fraudulent charges since I reported on time and took the appropriate steps on my end. Unfortunately, it feels like the financial services company, is more interested in trying to find reasons in which to deny claims then they are into trying to assist their customers. Being that they're not a bank, but indeed a financial services company, makes their actions even more questionable. Im left feeling as though they're more interested in holding onto their own profits than doing whats right for their customers. But there are laws, there are rules and there are regulations for a reason. And occasionally, they get tested. 

Their careless handling of a minor claim, due to either their incompetence or greed, is not acceptable to me and I will not accept it. I'm incredibly frustrated with their lack of professionalism and the disrespectful way they managed my claim. It's such a waste of my time to have to do this. I understand mistakes are occasionally made ; but this was just unacceptable on so many levels. I would like to give you one final opportunity to reconsider my fraud claim. Im certain that if you do you will find my claims are in fact substantiated and that fraud did take place. Additionally, youll find that I properly reported it, disabled my card and attempted to reach out to you numerous times ; all in an attempt to prevent this and correct it before it got worse. However, I wasnt met with a reliable partner, I was left with silence and ignored while I tried to figure things out on my own.
Consumer complaint received 2022-05-16
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: CITIZENS FINANCIAL GROUP, INC. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I ATTEMPTED TO CONTACT THE CREDIT CARD COMPANY Care Credit ( Synchrony ). I WAS GIVEN THE RUN AROUND FOR OVER 6 MONTHS. THE TERMS SHOULD HAVE BEEN OVER 36 months. The payment should have been around XXXX but instead I paid for 8 months XXXX every month. I WAS TOLD THAT IS WOULD BE FIXED. I CALLED REPEATEDLY was told that that department did not have a direct number. I stop making the payments until they fix the issues. I also let them know that no fees should apply since it was their fault. Well now they have attached tremendous fee 's and I still can't get these matters fixed. They have report this to the credit Bureau. Occurred XX/XX/21 till current...
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (CA)

received call at XXXX on XXXX XXXX 2014. I answered the phone and they asked for XXXX XXXX. I said, " This is her. " They said, " I would like to verify your mailing address. " I said, " Who 's is this. " He said, " XXXX from ... '' and slurred where he was calling from. 
I had to ask him to repeat where he was calling from and he said " Stellar recovery ''. 
I had to ask what is stellar recovery and he said it was a collection agency and that he did not want to disclose any more information about it. I said, " Well I do not want to disclose my personal information to somebody I have no idea what it is. " He said, " I will document this '' and then he hung up. 
i feel harassed, just because i dont want to give up my personal information to someone who refuses to tell me why they are calling who they are who they represent or what debt i owe, I 'm somehow being reprehended by receiving a negative documentation.
Consumer complaint received 2022-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (PA)

I have tried to call Aidvantage customer service to cancel a consolidation loan application for 5 days straight. I have sat on hold for a total of XXXX hours. I have emailed them and have not heard back. I requested XXXX call backs. They will call me back and put me on hold. I have yet to speak to a human being. According to their website, this is the only way to cancel my application. The latest call back was scheduled for 24 hours in advance and they still put me on hold. I can not resolve my issue.
Consumer complaint received 2023-09-30
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. (MS)

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 a account without my written consent.
Consumer complaint received 2019-02-15
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: Midwest Recovery Systems (TX)

On Friday, XX/XX/2019, I retrieved a copy of my credit report. I immediately noticed that Midwest Recovery Systems had placed derogatory entries on my credit reports. This collection agency has blatantly violated the law. Per FCRA, I should have been notified that they were attempting to collect a debt. Midwest Recovery did not provide a dunning letter nor any written correspondence to that end, ever notifying me of this alleged debt thus, forfeiting my consumer right to dispute the validity of this alleged debt. I have never heard of this company, never communicated with them, nor have I ever signed any contract with them. This erroneous, unverifiable entry must be removed from my report immediately due to the FCRA violation. See attached credit reports that reflect the recency of this entry on my credit reports. This inaccurate and unverifiable entry has caused great detriment to my credit reports and all at the fault of this 3rd party collection agency illegally inserting this erroneous information. DELETE THIS ENTRY IMMEDIATELY!
Consumer complaint received 2021-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I need your guys help here. I just looked on my credit report and i found a ton of inaccurate reporting from TransUnion. It is really crazy there's inaccurate late payments, payments showing on accounts that have been paid, collection accounts that i don't even recognize and the list just goes on. I mailed out a request for verification on XXXX. Then again on XXXX. But they are ignoring my request. How can they have this information on my credit profile and mess up my score. I tried to speak with some lenders and i keep getting denied because of the inaccuracies on my credit report. I just need somebody to update the inaccurate late payments from my account, and remove the collection account since it has been well over 30 days. I know the Fair Credit Reporting Act says they have 30 days to verify this stuff and they haven't done anything. I also know that the Fair Credit Report Act says that TransUnion can only report accurate information on my credit report. This is not accurate and it is really hurting my credit and causing me to pay unnecessary high interest rates. I need somebody to help me bc they aren't even investing my stuff.