davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  XXXX   XXXX
Consumer complaint received 2017-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MD)

My Account ending in ...  XXXX  has a balance of  XXXX  dollars. My full name is  XXXX   XXXX , my last  four  of my social are  XXXX , my security key on my account is  XXXX  ( where is I was born ). I have a balance of  XXXX  dollars and it is incorrect! I wrote a letter to AE fraud department but you never credited me the fraud charges!     First of all where does this  XXXX  dollar balance even come from? Everything on my account after    XXXX    2016    was fraud. So If you have not credited me anything since  XXXX   2016 , please apply the credits, if you do then you will see that I have NO balance on my account because after  XXXX , i have had  XXXX  dollar balances and I have NEVER used m y American Express ca rd since then at all. In fact I should have some credit balance.     Also, the following are few charges I have not received credits for though I sent you the statements in the mail with the charges circled about 10 days ago ( the statement is also attached in this message through CFPB ) :  1.   XXXX / XXXX / 16   XXXX   XXXX   XXXX   XXXX  MD {$44.00}  2 .  XXXX / XXXX /    16    XXXX   XXXX   XXXX  TX {$210.00}  3.   XXXX / XXXX / 16    XXXX   XXXX   XXXX   XXXX   {$0.00}
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a response from XXXX from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report XXXX is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and XXXX has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but XXXX is not using all information before placing things on my credit report.
Consumer complaint received 2022-02-16
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX RUINING MY LIFE. THEY ALLOWED SOMEONE TO OPEN UP ACCOUNTS WITHOUT MY CONSENT. THIS IS NOT FAIR. I WOULDVE NEVER OPENED A XXXX XXXX ACCOUNT. THEY NEED TO DO BETTER DUE DILIGENCE. THEY CANT ALLOW PEOPLE TO OPEN FRAUDULENT ACCOUNTS IN OTHER PEOPLES NAME TO RUIN THEIR LIVES. I HAVE NEVER HEARD OF KICKOFF. I DONTKNOW WHAT THEY EVEN SELL. IVE NEVER EVEN HEARD OF KICKOFF. PLEASE INVESTIAGTE AND REMOVE THESE FRAUUDLENT ACCOUNTS.
Consumer complaint received 2017-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (NV)

See original complaint  XXXX  about MUFG UNION BANK , NATIONAL ASSOCIATION.     The company respond ed with a letter advising me to go to the California State Controller 's Office Website for mor e information about the escheatment process.     I told them this was unacceptable, on  XXXX / XXXX / 17 , and they have not responded.
Consumer complaint received 2018-01-15
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. (VA)

A new collection item appeared on my credit file. I was able to successfully dispute the item with XXXX and XXXX. XXXX has since removed this collection item from my credit profile ; and it 's currently under investigation with XXXX. The only issue I 'm having is with TransUnion - I 've attempted several times on different days, with differents web browsers to initiate a dispute via their online website with no success.
Consumer complaint received 2017-06-19
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. (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.
Consumer complaint received 2017-06-19
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: EQUIFAX, INC. (TX)

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (MI)

I have disputed this debt with collection company as well as spoke with original creditor this is a fraudulent debt ive never taken any classes with this company and they show that someone signed up online with my info but never took a class with them in there own words anyone can use your info to sign up butno services were ever provided by the school and no clases were ever taken by anyone
Consumer complaint received 2017-07-14
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. (NY)

On XXXX XXXX, 2017 I sent a certified validation letter, with signature requested, to XXXX XXXX XXXX, XXXX to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX, 2017, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

Hello, My name is XXXX XXXX, On XXXX/XXXX/XXXX I called Discover customer Service and was told that my Credit Card was canceled. I had just made a payment of XXXX. I struggled to make payments back in XXXX due to a job loss. I was able to eventually get caught and have been making payments on time for about 2 years, my card available balance was not made available to me for about 2 years and also my card was restricted from my personal use, I was told this would only be for a short time. I feel that I was lied to so that discover could continue to receive payments from me. when I called on XXXX/XXXX/XXXX I was told a letter was sent out to me verify that my card had been canceled. I have never received a notice in the mail nor an e-mail or anything about this. I have also have been paying extra on my payments in the last year. I do n't think this is fare because closing this account will affect my credit. Discover advertise false advisement on how much their customers are important. Please help!!!!
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

I purchased two {$500.00} each money order from XXXX XXXX XXXX XXXXXXXX. Western union money orders put in my bank and bank charge me back {$1000.00} plus fees I can not get a hold of anyone at Western union for help XXXX XXXX XXXX wasn't helpful I spoke to the manager and he was no help.
Consumer complaint received 2019-10-21
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: WELLS FARGO & COMPANY (MD)

the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards AMER SVC COXXXXWF HOME MTG XXXX XXXX XXXX limit {$XXXX}. 
XXXX XXXX XXXX $ {$XXXX}. 
XXXX XXXX {$XXXX}. 
XXXX XXXX/XXXX {$XXXX}. 
XXXX/XXXX {$XXXX}. 
XXXX XXXX {$XXXX}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - AMER SVC CO/WF HOME MTG - it was a mortgage company, please remove Regardless, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I took at a private loan for XXXX XXXX XXXX  ( XXXX ) in XXXX. I have been making payments on weekly, bi-weekly and monthly intervals depending on pay scales. I have over paid my monthly payment in an effort to pay it off sooner. However, I feel like I'm in a never ending cycle. XXXX is listed in the XXXXXXXX XXXX XXXX lawsuit as a predatory school. Navient has been the subject of so many lawsuits that I don't know how they are still in business. The very first private loan that I received is the only outstanding private loan I have left. XXXX promised help in finding a job after XXXX, that never happened. I couldn't even find a position as a XXXX XXXX XXXX because the programs used at XXXX were out dated before I even XXXX. The original program cost roughly {$32000.00} and the enrollment/financial ad staff instructed me to apply for Federal and private loans that covered the cost of the program. All told, I borrowed {$63000.00} for {$32000.00} program. I was a first time borrower and honestly relied on the school staff to direct me. That was a huge mistake. Now fast forward XXXX  years and the every first Sallie Mae Signature loan for {$8400.00} still has a balance of {$6900.00}. This loan had a co-signed, my father-in-law. He passed in XXXX of XXXX. I reached out to Navient and provided the death certificate asking that he be removed as the cosigner. It was my understanding that he was, but now when I get phone calls on the remaining the amount, I'm asked about my co-signer. I don't know how many times I can tell them that he died. XXXX has been the subject of I don't know how many settlements, but I never saw anything. When I ask, I get told I don't qualify, but can't get an explanation of why I don't qualify. Navient was recently sued by multiple state Attorney Generals. I got {$500.00} and didn't qualify for complete relief because I was XXXX enough to pay on my loans. I never went delinquent for 7 months consecutively. XXXXXXXX XXXX XXXX has found in favor of the borrower. The fact that Federal Loans are being forgiven and refunded for the same XXXX  I attended should provide some kind of legal precedence to have my loan discharged and refunded. I do not owe the remaining {$6900.00}, I have been paying and paying and paying and the term of my loan never decreases. I was placed in forbearance or deferment by Navient when I shouldn't have been. They obviously did not place them on the oldest loans first. Why else would private loans from XXXX, XXXX ect be paid off but this one is not.
Consumer complaint received 2017-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements.   XXXX  My insurance company was supposed to pay this because I was in an accident and it should have been on legal hold.
Consumer complaint received 2017-07-14
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: (Former)Shapiro, Swertfeger & Hasty, LLP (CA)

I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now XXXX put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

**Statement Regarding Unauthorized Reporting of Private Information** I am deeply concerned about the unauthorized reporting of my private information to credit bureaus by Bank of America XXXX This violation of my privacy rights undermines the integrity of my credit profile and contravenes regulations outlined in the Fair Credit Reporting Act ( FCRA ) and the Privacy of Consumer Financial Information ( Regulation P ). 

As outlined in the FCRA, consumer reporting agencies must only furnish consumer reports in accordance with the written instructions of the consumer to whom it relates ( 15 U.S. Code 1681b ). Furthermore, Regulation P mandates that financial institutions provide notice to customers about their privacy policies and practices, including the conditions under which nonpublic personal information may be disclosed to third parties ( 12 CFR 1016.4 ). 

The unauthorized sharing of my personal information by Bank of America is unacceptable and must be rectified immediately. I hereby demand that Bank of America take prompt action to remove all unauthorized information from my credit report and cease any further unauthorized reporting of my private information. Failure to comply may result in further legal action to enforce my rights and seek appropriate remedies for any damages incurred. 

-- - Sincerely, XXXX XXXX
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

I made a purchase with XXXX XXXX on XX/XX/XXXXXXXX  in the amount of {$1500.00}. On XX/XX/XXXXXXXX  they refunded me a partial amount of {$1300.00}. Their payment processor Square shows the refund initiated that day. That same day a pending transaction hit my bank account to hold place for the refund. My bank DOES NOT hold refunds and posts them instantly. So on XXXX, no refund posted, I reached out and asked if Square had actually initiated it. All I got back was a canned response. On XX/XX/XXXX, I reached out to my bank as I'd never had a refund take more than a day to process. My bank said they could physically SEE the {$1300.00} refund and that the only reason I didn't have access to it it because Square has a " hold '' on it and won't allow it to be released until XX/XX/XXXX. So I reached out to Square and they provided the same canned response about refunds taking up to 7 days to process. But it HAS processed, they're just holding it. Then I was told that sometimes they hold it if they are investigating the sellers account. I'm not sure why MY refund is being held up for an investigation of a sellers account. I signed NO agreement with Square that would allow them to hold my money for no reason, and honestly, didn't even know I was using Square until I got the charge on my card showing that XXXX XXXX uses them to process. So today, thinking my refund will be there since the hold was supposed to be released today, I look at my bank and NOPE. Still no refund. I reach out to my bank and they say that Square STILL hasn't released the hold. I reach out to Square and yet again get another canned response about processing times. Again, they are HOLDING my money. Not processing. The process is done, my bank sees the full {$1300.00}. It is being HELD from being released by Square and I did not sign any agreement with them that allowed them to WITHHOLD MY MONEY. I would like my funds released NOW.
Consumer complaint received 2017-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (ME)

Received the attached letter in regards to    XXXX   XXXX   . The amount in question is from an account I am unfamiliar with. Also, the amount allegedly owed is an amount that will not equate to any billing amount I ever received. Also, this letter is insinuating I allegedly had  XXXX  separate  XXXX   XXXX  accounts, which I beg to differ.
Consumer complaint received 2017-06-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC. (AZ)

I received a phone call from a company named XXXX XXXX. When I answered the call there was a man asking to speak with my wife. I explained that I was her husband and asked how I could help him as my wife was not home. He told me that there was a check written in 2012 to check into cash for the amount of {$500.00} plus dollars and they where trying to collect. He said we had to pay this money or they would be filing charges on my wife for defrauding a financial institution. I explained that I do n't recall this debt however I do recall having a debt for {$300.00} to check into cash however I have never received any notice about this debt. I asked him to send me proof of this debt and he said no we have been sending letters for the last few years to a prior address. He then said the do n't have to send anything as they have made several attempts to contact. I then told him we do n't have the funds. He said he was transfing me to a supervisor. The supervisor said he would give us two weeks to pay and asked for my credit card info. I gave him the info and he said I would be receiving a XXXX via email and had to sign it and ended the call. I received the XXXX  and signed it. However after the fact I noticed that the email at the top was to a personal XXXX address and became suspicious that this was a scam. I called check into cash and they said our debt was with a collection institution and the amount was for {$300.00} plus dollars. I then called my local law enforcement. They told me to put a stop payment on my card and if they did take any money then they could go after them. So I did. On the day they where to charge. I received a call again from XXXX XXXX they said they tried to collect the payment but where unsuccessful and asked me why. I told them what I had done and the man who never gave me any name said ok we are going to make sure your wife goes to prison and that I was being an XXXX XXXX and hung up.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HUNTINGTON NATIONAL BANK, THE (MA)

I filed for bankruptcy back in XX/XX/2019 and did not reaffirm my auto loan but chose to keep the vehicle and continue payments. Even though I have continued payments on a timely basis the bank refuses to report my payments, telling me that I MUST reaffirm the loan in order to have them report payments. This is basically BLACKMAIL! I now know that lenders dont even have to report your payments to credit bureaus, but to hold this over your head when youre trying to rebuild your credit is not fair and should be illegal! I know that by not reaffirming I am not responsible for the loan, but I feel as though Im doing the right thing by keeping up with the payments and being punished for it! I would think that Huntington Bank would want to do the right thing too, and report my payments. Yes I did call and talk with them!
Consumer complaint received 2017-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX my loans went into forbearance without my consent. I filed a complaint about art institute and in XX/XX/XXXX and Naviant. When that complaint was processed they must have put my loans in forbearance. I was on autopay and now it 's stopped. I 've called naviant but do n't have 1 hour to wait on the phone only to get a callback. I 've emailed them. <P/>Naviant was calling my phone 8 times a day before this even though I was on autopay. Not sure how to handle this. My interest rates are so high that I 'm not touching the principle.
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XXXX XXXX 2017 called card company to correct fraudulent mailing address on file. Card was cancelled, address corrected and new card mailed out. Two weeks later receive notice account is locked and to send documents to verify identity. Around XX/XX/XXXX taxes necessary documents. Still locked out of account a week later. Called 4 times and account is still locked. Given email to upload verif8cation documents and still have not had my account unlocked. Transferred and have waited up to 25 minutes on hold and given excuses the department is closed or because of snow or holiday I need to call back. Took 3 phone calls to get email address to upload documents. Now after 4th call no resolution. No explanations. I have a bank account and another credit card with company and no issues but I apparently can not be verified for same address that is on all accounts.