davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (FL)

I have previously disputed this account with XXXX, XXXX and TRANSUNION and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In accordance with the fair Credit Reporting Act this credit has violated my rights under 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 and account without my written instructions under 15 USCs 166B, A creditor may not treat a payment or a credit card account under an open or consumer credit plan as a bla for any purpose.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

Today XX/XX/2019, I called XXXX XXXX to get a balance on a credit account I have with them. It was in Collections and the balance is paid off. I arranged to pay off the account and we came to an agreement. The company told me what amounts I had to pay. I made 2 payments, {$200.00} in XX/XX/2019, and this weekend the second payment was taken out of my account for {$120.00}. After the second payment was made I asked the lady would this bring the account to {$0.00} balance? She said yes. I want to close the account and XXXX XXXX now says I owe {$6.00} and change. They are changing the original agreement. I do not remember the lady I originally talked to in XXXX who took my first payment but the person I talked to today was named XXXX.
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hunt & Henriques (CA)

Hunt and Henriques has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in XX/XX/2011 ... When trying to resolve this I called Hunt and Henriques with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XXXX of last year with NO response from them. Then I went to their office location only to be escorted out stating I could not be there and they would call the police for transpassing this is a public property it is an office building how is it even legal to make these statements. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this case # XXXX I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptsy and a proof of this originally XXXX bank account and hunt and henriques furnisher of this judgement included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this
Consumer complaint received 2019-03-11
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: FC HoldCo LLC (MI)

On XX/XX/18 XXXX accessed my credit report fraudulently. They received my information from XXXX XXXX. XXXX XXXX has since sent letters stating that the information to XXXX was sent in error and to remove the inquiry. I also, sent 2 letters and called to inform them that access to my credit was not authorized. I was not seeking lending from their company. Furthermore, I have an active fraud alert that states that I must be called to verify all applications. At no point did XXXX call me to verify the legitimacy of the information they received. This is a violation of US Code. I stated this in letters and via telephone and they refuse to acknowledge their error and remove the inquiry.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

I have an account with a collection agency named SW credit systems that was placed on XX/XX/2018. Account # XXXX. This account is apparently a satellite dish service that does not belong to me. The original creditor lists as XXXX. I have never had satelite services.The account is showing a balance of {$720.00}. I have disputed this twice now. The only response I have ever received is a bill. I have asked for original documents that I would have signed or a copy of my identification. The only thing I have ever received back was a bill and them stating the account has been verified. If there is anything you can do to assist me in the matter I would greatly appreciate it.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

Unfortunately back XX/XX/XXXX I fell behind 2 months on my mortgage. I attempted to get caught up but the lender refused to take my payments and wanted a full repayment which I did not have at the time. So instead of getting back on track, I was forced to fall further and further behind. I have been submitting documents to Amerihome since XX/XX/XXXX for loss mitigation and foreclosure alternatives. I have supplied endless amount of documents and requested information all in timely manner. I have been told several times my file is in underwriting only to be told additional information is needed. On XX/XX/XXXX a representative informed me that the sale has been placed on hold and my file again was in underwriting. When calling back Friday XX/XX/XXXX, I am now told that the file was never being reviewed and the sale is now in fact active again for XX/XX/XXXX although a bankruptcy was filed on XX/XX/XXXX. Not only did Amerihome Mortgage acquire the debt of my loan AFTER I was already in default, they proceeded to file a Notice of Trustee sale while I have been in an active loan modification review since XX/XX/XXXX. The notice was filed in XX/XX/XXXX, clearly violating HBOR laws and dual tracking. I am now facing a foreclosure and forced with no other options because I am repeatedly lied to by this company.
Consumer complaint received 2020-11-24
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 7 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 


XXXX XXXX Inquiry from XX/XX/2020 Automotive Ml XXXX XXXX  Inquiry from XX/XX/2020 Finance XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX  Inquiry from XX/XX/2020 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

The university XXXX XXXX financial advisor did not tell me this was going to be an unsubsidized student loan. There was no explanation other than a lie which was told to me there were no other fundings available to me. This was the only unsubsidized student loan that was taken out against me all the others were federally subsidized student loans. So this financial advisor lied to me in order for me to have a subsidized private loan
Consumer complaint received 2021-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one is reporting inaccurate payment history on an account on my file. I have not only questioned the validity but I also requested verification and proof along with my signature on any documents supporting their claims. I stated it must be provided within the time allowed by law and it was not. Therefore I requested this account be deleted and suppressed immediately. To date, my concerns have been ignored and dismissed.
Consumer complaint received 2019-03-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

Hello, I am a us citizen who lived there up until my father got sick and passed away. He left me problems in XXXX and I had to go there to take care of it legally. It took years of straggling! In the mean time I met the father of my children and I have kids there, I sold my property in XXXX legally through an escrow company, I have paid all my taxes from the sale, and now I wish to buy a condo where I stay with my kids which is currently not in XXXX or the us. I was explaining this to my branch and no one seem to know how to help me and they kept me on hold for hours without a proper answer! I had sold my property legally and I wish to recieve my funds in my XXXX XXXX branch. I have all the details and documents that are necessary for this transaction- but still, I can not have a home where I am currently residing since my money is kept hostage by Wells Fargo bank! My branch explained I can transfer {$5000.00} a day! I have XXXX in my account and every transaction costs a fortune! This is more then an outrage and a very bad way to take advantage of an international customer. 
I would appreciate your prompt respond on this matter.
Consumer complaint received 2019-03-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I submitted an investigation request to Equifax on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but have not.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have banked with XXXX for years and I was having issues with fraud charges recently on my checking account and I wanted to close because getting a new card was obviously not stopping the issues. 

( I recently went to the local sheriffs department and filed a report in regards to suspicious and fraudulent issues-I will attach report proof ) I opened a second account and a bunch of very strange things happened on the original account that I was planning on closing. My bank account went from having thousands of dollars in it to be - {$950.00} negative. I basically stopped using that account until I would have time to call them and figure out what happened. I was missing {$1000.00} and it was saying I was {$1000.00} negative. And the math did not add up or show in the online statement what happened. 
After speaking with XXXX XXXX department they agreed there was something wrong and was told they were going to have the fraud department reach out to me however they never did. ( This was approx a week ago ) they closed my account yesterday and claimed it was a charge off account! the account balance was +500.00 positive at the time because I just received 2 separate XXXX XXXX transactions and they put my account as into collections for {$940.00}!! 

I spoke with the fraud department. They agreed that the math didnt add up and forwarded me to an XXXX management where she gave me proof that my account was XXXX positive status when closed. And that the USAA had a bank system update at the time of my accounts issues a month earlier-that caused this issue of my bank account balance to be incorrect. ( I should not be able to spend or transfer money if even XXXX dollar off. I have protection to make sure I do not overdraft. If I normally try to transfer or spend money my account will deny charge and say not enough funds ) We were also able to go through the statements and see that there was almost {$900.00} in fraud at the same time. 

However the account is closed! Its also already in collections and there was nothing that she can do about that other than give me the proof to submit and Im not really sure how Im supposed to get that {$900.00} reimbursed to me! Or get this entire Account off my credit record and stop harming me. I was denied car loans because of this even though I have finances and credit this mistake ( equally usaa and fraud not due to any mistakes I made and I am tired of it effecting me after I worked so hard to build my credit!
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This incident follows a previous incident that happened on the same day at a different branch of Bank of America in XXXX XXXX After I was informed at the Gray Highway branch of XXXX Ga that their device used to take money off of the unemployment card was broken, I traveled to the XXXX XXXX location on Wednesday, XXXX XXXX. 
I approached the teller to withdraw {$1000.00} off of the unemployment card. She attempted and told me it was declined. I called the phone number on the back of the card and they said they would remove a hold and to try the transaction again in one hour. I left and returned to the Bank of America after about a hour and a half. The teller tried to take the money off and told me once again it had been declined. I asked for a manager. A manager named XXXX came out and said there was nothing she could do and told me I would have to wait 24 hours. I pleaded for her to call Bank of America to see if there was some way they could remove the hold, since the card services rep told me that the hold would be removed on the card 's end. She refused and said there was no-one she could call and that there was nothing she could do. I told her that I was in an emergency, visiting from out of town to check on for two elderly parents, one of whom has several chronic illnesses. She did not attempt to help. She said bank of america had a hold on the card and that I would have to come back. I called the unemployment card services department and asked them to hold while I waited for another manager. The reps for the card said they'd taken all holds off of the card and that it should work. Another manager, XXXX, came out and told the rep that I would have to go to another bank. I informed her that their broken card machine at the gray highway location caused this issue and that this would probably continue at another bank. In addition, why would she advise me to go to another bank without knowing if I had the funds or transportation to travel to another bank. She was very dismissive and seemed as if she just wanted me to leave. I advised her that I was a Bank of America customer for at least 20 years, with savings, checking and credit accounts. Even as I pleaded with her to call Bank of America to ask them to remove a hold that XXXX said would be on the card, she refused. The card rep then asked her to and after some resistance, she said she would. She eventually was able to take the money off of the card. This situation took me through the most unnecessary emotional distress. The managers did not even consider or care that Bank of America has been contracted out by the federal government to provide this service but instead insisted that I got somewhere else and suffer a loss because of a problem THEY CAUSED. They refused to provide me my money that I was rightfully owed. It was strikingly disturbing and borderline, if not outright criminal.
Consumer complaint received 2019-03-11
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was behind on payments I spoke to Capital One and asked them if we can do a payment plan till I could catch up They put me on a program and they set up auto withdrawls for the payments so it would not be late, They have taken the payments on the XXXX of both Months XXXX and XXXX and still reported us late to the credit bureau. I have called numerous times and they all say no we didnt report you late and when they stay on the phone longer they - we dont know why this happened - write a letter - that is the only way to fix it. 
I wrote a letter and send it and they have not fixed the problem I have asked them for a letter to show that the payments were made on time they tell me they cant do that and will not help me.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

I have some delinquent taxes owed and they were placed with a collection agency Keith D Weiner and associates. I asked for a printout of the balances owed for the years I owe back taxes to. I requested it on XX/XX/XXXX and received it about 4 days later.I looked over the documents and found that they basically doubled what I owed. Tax year XX/XX/XXXX I owed XXXX then after everything was said and done It went to XXXX. It says court costs, attorney fees and even pre placement interest. This is the same for tax years XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. This is outrageous. For tax year XX/XX/XXXX I had the XXXX down to XXXX and then it went up to XXXX they claim court costs at XXXX times 2 .... They tried to garnish my wages 3 times and they were unsuccessful due to me not making enough money. I don't know why they are charging attorney fees when I only talked to their attorney once and that was back in XX/XX/XXXX. This company is a scam and their collecting practices are ridiculous. I will scan the papers I have to document that what im saying is true. I would like to add that they are charging interest instead of 30 % right off the top its charging every month
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc. (IL)

Under the CARES ACT due to Covid 19 creditor must offer a financial payment plan if the account was current prior to Covid the company failed to do so I asked and was told that they didnt offer anything as a result of Covid lack of work and unwillingness from the creditor a late payment was reported impacting the livelihood of my family
Consumer complaint received 2018-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have a paid invoice which the merchant still has not been paid or the funds made available to the merchant. Now my invoice shows its paid but PayPal claims it was cancelled. so it should be in my PayPal balance but is not and never was. Nor was the invoice that says paid, paid.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TN)

Indigo card services issued me a credit card I applied for to try to fix my credit. For the second time now I have paid online with my banking card, the payment does not go through despite money being in the account. Seems like they are waiting until there are insufficient funds on the account to process the payment so they may collect late fees. Upon contacting the company they simply say insufficient funds, nothing we can do.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC (KS)

We applied for pre-approval from XXXX and the lender had said it would be a soft inquiry. This hard inquiry on XX/XX/2021 is unauthorized. The second inquiry on XX/XX/2021 is unknown and not authorized. Please assist. Thank you.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2023, I received a phone call from my bank saying spendings were being made in another state asking if I was in that state. Come to find out this phone call was not my bank and it was the hackers. My caller ID said it was Navy Federal. So they were able to access my account over the phone by impersonating Navy Fed. They took money as a fast cash advance from my Credit card, took money from my savings and checking and transferred {$4900.00} through my XXXX XXXX. I never approved it and and somehow went through. When I knew this was a fraudulent call was when the people asked me to transfer {$220.00} dollars through XXXX and when I questioned why am I approving that transaction they hung up. I then called Navy Fed to see what happened right after they hung up and my account was compromised. I changed all my information that night over the phone. Changed my checking and savings account and credit card information. Navy federal denied me to reimburse the XXXX $ after I proved all that it was not me approving anything all in the month of XXXX. Then the first week of XXXX they reimbursed me the XXXX $ and received a letter saying they will investigate everything. After a week of being reimbursed they took the money back out of my account.