davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I registered a dispute with Transunion for the start date of an account, and I received an email that the answer to my dispute was available. To see the results, I needed to reset my password and log in. At some point in trying to reset my password, I was routed from the dispute website, and asked to enter my credit card info. I thought this was just a way to verify myself ( kind of like how USPS uses your credit card information to verify changes in address ). But it was actually to pay for $ XXXX/month credit monitoring services. No mention of the service or charges until I clicked submit -- very misleading and deceptive. I called Transunion to cancel the charge, but they wouldn't remove it.
Consumer complaint received 2017-12-20
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. (GA)

To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
Consumer complaint received 2017-12-20
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)

To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX-XXXX, and XXXX XXXX-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
Consumer complaint received 2019-08-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriFirst Financial Corporation (MI)

* Company failed to provide notice of transfer per 1024.33 ( b ) ( 3 ) * Company sent mailing asking for payment of mortgage after loan was transferred to another servicer and marked as closed with credit reporting agencies * Company has caused significant delay in insurance claim process by failing to transfer relevant paperwork to the new loan servicer. 

After our loss ( due to fire ), we filed the requisite paperwork with AmeriFirst to initiate the loss draft process. After over a month of delay with no word, I called to inquire as to the cause of the delay. On XX/XX/XXXX I was contacted by an employee named XXXX XXXX, who verbally informed me that my loan was being sold to a third party. His verbal notice was not within the timeframe described by law, nor did it contain the disclosures required by law. 

On XX/XX/2019 I received a bill from AmeriFirst asking for payment on the loan, due XX/XX/2019. This mailing was sent after the effective date of transfer, and references a billing month after the date of transfer. This notice is confusing, and could have resulted in errant payment being sent to the wrong financial institution.
Consumer complaint received 2017-12-20
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. (MA)

The new issue I have with the Credit Bureaus ' is the following. 
1 : The previous home address was XXXX XXXX XXXX XXXX XXXX MA XXXX. 
The credit agencies report XXXX XXXX XXXX XXXX - This has been corrected by me multiple times. The problem was the developer of the new condo association and the Post Office were in disagreement over the numbering system for the new complex. 
It was decided in XXXX, that the address will be XXXX XXXX XXXX XXXX XXXX MA XXXX. 
2 : My parents address, keeps showing up on my credit reports XXXX XXXX XXXX XXXX, XXXX MA- Every time I try to get it deleted ; it is put right back on the reports in a month. 
3 : My Middle Initials should be in capital letters- ( XXXX ) not XXXX- This problem persists even after I have sent the official US passport info with the correct captilaized initials. 

4 : I have attached to this report- XXXX report showing the changing of dates for profit/loss dates. They do not correspond to the charge dates. As you can see from my previous complaints about the XXXX accounts. 
The XXXX accounts are held by the their subsidiary - XXXX XXXX XXXX ( XXXX ) located in XXXX MA. 
These issues with XXXX have been on going, as I have shown the CFPB investigators over the past several years. 
I will be speaking to local law enforcement officials in XXXX MA this week over this matter.This issue with the accounts being manipulated in the manner they have manipulated has been going on for so long that it must an individual at XXXX who is manipulating the accounts. It is unlikely it is random- The name that shows up at XXXX is the following : XXXX XXXX XXXX In my letters to the CFPB officials ; and through the my Federal civil case against XXXX it has been confirmed that there has been " third party '' in not only harassing me through credit reports but to also harm financial stability of my companies located in Massachusetts XXXX 

In process are detailed letters to the CFPB through regular US mail ; detailing " Control Fraud initiated and executed by XXXX XXXX executives '' CFPB investigators will need to move quickly on getting warrants for arrest for XXXX XXXX, Senior, XXXX XXXX XXXX ; XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NC)

I made a one time payment with Discover on an old bank account I had in the summer. Discover has been automatically trying to take payments since XX/XX/XXXX. I have been getting charged s return  fee of XXXX for the last 5 months. Discover has not contacted me about this and have n't sent me a letter. My credit score is dropping every month and I did n't know why. Today XX/XX/XXXX is the first day I was told about this fee. I told the rep I was in the process of a home refinance and I need my XXXX statement not to reflect a over the limit.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I received a letter from the Federal Trade Commission that the insurance I was paying for was in fact fraudulent. 
I contacted USAA ; the monthly payments for this insurance were coming out of that account ( sometime during the first week of XXXX ). I spent something around an hour on the phone with a USAA agent as she filed claims for all 18 payments individually. I submitted the requested documentation, the letter from the FTC. 
Over several weeks, a few credits appeared in the account ; then reversals started. 
I called a few weeks ago and asked to speak to a claims specialist, and was told I could not. I was told by the agent that reversals could only go back four months. 
Now, some six weeks later, a fifth credit reversal occurred that, for the second time, put my account with a negative balance. 
I just spoke with USAA again. It turns out that they don't handle their own fraud claims or disputes ; they are handled by a third party. This third party seems to be in the business of simply turning down claims. The reversal today was, they said, because requested information had not been received. ( I submitted the FTC letter to apply to all these claims ). I asked to speak to a supervisor and was told one was not available. 
As an aside, a few months ago I put in a claim for a food delivery service wherein I disputed the charge because of raw food ; this also was credited then reversed. 
So, in a nutshell, there is absolutely no fraud protection being offered from this bank. Further, they have no problem crediting customer accounts and then, weeks later, reversing funds leaving negative balances. 
I have a hard time believing this is a bank supposedly watching out for service members. Disgraceful. 
I am currently out XXXX plus XXXX.
Consumer complaint received 2018-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC. (AZ)

I have an auto loan with Tidewater Finance Company. My scheduled payment is {$490.00} a month. 

I pay {$150.00} weekly from my bank account using my bill pay feature. 

Payments are always sent on Monday ( unless a holiday ) and received on Friday. Tidewater used to post them on Saturday or Monday to my balance. 

This was until my last 3 payments which were not posted until I questioned it. This is allowing additional interest to accrue on the account as they dont go back and ost on the date received.

My last payment has not posted at all even though they received it a week ago and when contacted all they will tell me is my account is under review by management
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit act XXXX Account # 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, public record bancruptcy XXXX, has violated my rights . 

15 U.S.C 16811 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 instruction s
.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OK)

I was in the Military and was transferred to XXXX in 2015 where I lived for the next 3 years.  I had an XXXX XXXX XXXX phone and called in to suspend the service before I left, because the phone will not work there.  Instead the representative cancelled it, and I thought it was suspended, since I've don this before with cell phones and being I the XXXX.  My account was closed and referred to a collection agency called Diversified Consultant for a little over 700 dollars.  I guess that was an Early Termination Fee, and other charge, the account was sent there XX/XX/2015, while I was in XXXX  I spoke with XXXX and Diversified in XXXX XXXX XXXX XXXX XXXX  FL XXXX, XXXX, as soon as I found out years later and paid it to get it off my credit, even when I didn't owe it.  The reps simply state that's not what they do when asked to assist in removing the item, I thinks this is a shame, and shouldn't be done to someone serving their country, guess I add to the horror stories of other Military members.  This has cost me in interest rates, enough is enough.
Consumer complaint received 2023-02-01
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. (GA)

Pursuant to 18 USC8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2.company has also NO permission to report ANYTHING using my personal info pursuant to 15USC 1681 4
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have never had any type of credit with nor signed any paperwork with Portfolio Recovery Associates yet they are reporting on my credit report that I owe them {$520.00} which is detrimental to my credit status, inaccurate and untrue.
Consumer complaint received 2021-05-05
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. (GA)

i was a victim of identity theft i sent copy of police report and also alerted Federal Trade Comission but they wont remove inquiries. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX my identity was stolen.
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Walmart  in your letter enclosed you state a account XXXX XXXX you state account ending in XXXX was permanently closed  you state you transferred account to new account ending in XXXX { show contract of new account with my SIGNATURE}you state you investigated show complete report  evidence that you state .you state that i Benefited from account show actual benefited from this evidence with a signature . also why did XXXX get transferred with out my signature   please send all copies that I request  contract new account my signature , your investigation , benefited  from use with my actual signature ref CFPB XXXX
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (CA)

I have been disputing a public record on my background check since the beginning of XX/XX/XXXX and still have yet to have anything resolved. I am trying desperately to get into a home for my kids and I and keep running into problems. The writ of possession which is on my court documents was removed from my credit report due to errors on the spelling of the name and the amounts are not accurate. I have contacted the first advantage company that provided the background check and have been told so many different stories which more recently last week I was told the second dispute resulted in the eviction being removed that I needed to call the low income housing place and let them know they sent the stuff over to the office. After calling and the manager at the property told me nothing was changed. I then called the first advantage place again and he said they took the eviction off but then denied the application due to credit score. They would not let me speak to someone else and also would not go over the phone recordings to listen to what the person had told me regarding the eviction being removed. He said he looked at the notes only but would not listen to the calls. I cant pay the judgment because we cant locate the account holder since he is not a client of the eviction center he went through in XX/XX/2015 and that is the information the courts keep giving me on where to pay. Please help me.
Consumer complaint received 2019-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (OH)

Called company and Equifax explained to them that Ive never had an account with them and Ive never lived at XXXX XXXX XXXX XXXX XXXX OH. 
Ive filed identity theft reporr with the ftc Neither can verify my signature on any document
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute in regards to some of the incorrect accounts posted on my report. it has been 30 days and i haven't received anything speaking on the investigation reports this isnt the first time this happened its ridiculous, this is affecting my credit report because you cant verify these accounts and are adding unnecessary inquires which causes me to look like a liability with alot of inquires ima need somebody to do their job the correct way or verify it the correct way. i also numerous times spoke and stated my information was compromised in the XXXX data breach i am asking this be deleted immediately. 

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-08-15
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: Screening Reports Inc. (IN)

XX/XX/2019 a hard credit pull was done on my XXXX credit report. It says. 

Screening Reports Inc . 
XXXX  IL XXXX I did not authorize this hard pull
Consumer complaint received 2019-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services is attempting to recover a debt of {$2000.00} that is not mine. I have never had a contract or account with them. Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX. I'm not familiar with them either. If I have no written contract with Phoenix Financial why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation. I have sent a cease and desist letter directly to Phoenix Financial disputing these charges and account about two week ago.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On my XXXX and Experian credit report, XXXX ( Account Number : XXXX ) is reporting an incorrect account status as Repossession and reporting a late payment every month. The accurate account status is Charged Off. I requested that this account be updated and the credit bureaus said that the creditor verified this account and it will remain as is. They have now verified it six times. XXXX is deliberately reporting outdated information to intentionally degrade my credit score. The latest status is a charge off and no payment history should be reporting.
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NC)

My husband and I started our refinance process in XX/XX/2019. In XX/XX/2019 when our loan was moved to the Mortgage Processor, things began to move real slow. We were told there was a hold up with the system, they kept asking for more documents, they were not clear with the steps we had to ask for everything in writing because they kept saying this is the last thing required. At this point XXXX XXXX was my point of contact. 
My husband and I complained to our original loan officer so our account was moved to XXXX XXXX. He was able to move our loan along nicely. He also maintained excellent communication with us on all steps of our process. Now that XXXX XXXX is our point of contact, we have no idea where we stand as far as closing. She has not reached out once to let us know that received any of our documents she requested. The documents are time sensitive and I do not feel its professional to let time sensitive documents lapse then request me to redo the documents because the data will be outdated by the time I get to the closing table. 

My husband and I have never been late with a mortgage payment, we do not feel we are being treated fairly and definitely not valued as an excellent customer. 


XX/XX/XXXX contacted Senior Loan Advisor XXXX XXXX by email asking for closing date XXXX emailed processing officer asking for closing date XX/XX/XXXX contacted Senior Loan Advisor by email stating we have not heard from our processing officer XXXX emailed Processing Officer XXXX XXXX asking for my status and about a closing date XX/XX/XXXX called Processing Officer and left a voice message asking for closing date XX/XX/XXXX talked to customer service was told my processing officer would call me before XXXX, she did not call-I was given her managers name and extension XX/XX/XXXX called processing officer several times between XXXX XXXX. Called her manager several times between XXXX XXXX. all went to voicemail. Talked to customer service she transferred me to escalation, I was on hold for 30 minutes. 
XX/XX/XXXX XXXX XXXX, Escalation customer service answered the phone talked to him after being on hold more than 30 min. Put me on hold again to look at my account, says he talked to XXXX and she said she's looking at my paperwork I sent in 2 weeks ago and would call me back within the hour. I told him I do not trust her due to her not communicating with me yesterday nor today. He said he would have her manager, XXXX XXXX call me back, I said I don't trust her either, I need her supervisor. He placed me on hold for 10 minutes, then the phone connected to XXXX XXXX voicemail. I left her a message stating I needed her managers name so that I cold speak with them. 
XX/XX/XXXX on hold with escalation for 15 minutes and still waiting
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (NY)

Follow-up from complaint XXXX. 

Blackhawk Network did not provide a reply that is consistent with the issue raised. More importantly, Blackhawk Network stated that as a one-time courtesy they would be helping me. This is absurd. There is no courtesy involved - I need access to the funds, but the card is not being activated despite all the information being correct.

Blackhawk Network, through its agent is lying to CFPB.

The main reason for this new complaint is that Blackhawk Network, in their reply on XX/XX/2021, stated : The consumer will receive the {$50.00} XXXX Prepaid Card within 15 business days..

15 business days have now passed, and I have not received the card, and I confirmed it has not even been processed yet ( tracking XXXX ). 

This is a serious issue, a financial fraud, so this complaint is also being sent to Attorney General. 

Blackhawk Network license to operate must be revoked.