davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
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 have silver thing that is reporting on my credit file these items are not mine as I have tried to resolve this matter with the credit bureau I have collection agencies I should have no collection and reporting I have a apartment complex I have never lived in apartment I always lived at home with my parents I shouldnt have anything on my parade airport I would like all these items removed from my credit report and my credit file updated I have a credit card bill this on air this over {$1000.00} Ive never owned a credit card
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am unable to receive my annual credit report online for Transunion. 

I keep receiving an error : " We do not have a record that matches the information you entered. If your personal information ( name, SSN, address ) has recently changed, you should make sure that your personal information is current with us, and resubmit your request using the methods listed below. '' I called the number provided on the website and spoke to a Transunion CSR. The CSR told me my report would be sent via US Mail however instead I received a post card from Transunion saying they never heard on me before. 

My Transunion File Number is XXXX
Consumer complaint received 2017-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/XXXX, we submitted an ACH payment to MOHELA for the remaining accrued interest balance on my loans, which they service. It was processed by our bank on that date. 

However, due to the payment address on MOHELA 's site not being clear, they cashed the payment but sent it to the wrong address. This delay allowed additional interest to accrue on the account after the date upon which the total interest balance was to have been paid off. 

Both my wife and I spent extensive time on the phone with MOHELA, and were assured that the problem would be rectified. Upon our last phone conversation, a manager told us that it had been fixed, and that the payment would be applied to the interest balance, as we 'd specified. 

Today, XX/XX/XXXX, I received a call from MOHELA for an unrelated issue ( they ca n't get our mailing address correct ). Out of curiosity, I asked the representative to confirm that the interest payment had been applied to my account as it was supposed to have been. It turns out it had n't. They applied part of the payment to the interest balance, and part to principle, allowing additional interest to accrue on the unpaid interest balance. 

This is clearly intentional profiteering. Both my wife and I had repeatedly told and been assured by MOHELA representatives that our payment would be properly applied, which would have paid off any accrued interest balance. By improperly applying our payment ( and lying to us about it ), MOHELA is attempting to profit by charging us interest on a balance that was to have been paid in full nearly a month ago. 

Yes, I could have caught this earlier by checking their website, but frankly, that should n't be my problem. They made an accounting error, and we spent a great deal of time getting it worked out with them. My wife and I should n't be expected to babysit the company further, checking their website constantly to insure that they simply do what they were supposed to have done with our money. 

Supposedly this is to be resolved " sometime this week '' according to the representative I spoke to today. I was not given any kind of date, and was told that I have to just keep checking the website to see if the problem has been fixed. At this point, I have no faith whatsoever it will be corrected. 

Unconscionable, and sadly, seemingly unpunishable.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (CA)

I sent OLIVER ADJUSTMENT COMPANY a letter to validate the debt I supposedly owed them. They received it certified mail with return receipt on XX/XX/2022. I asked proof that the statue of limitations hasn't expired and how they calculated the interest and fees, proof they own this debt and original documents bearing my signature On XX/XX/2022 I received a letter from Oliver Adjustment Company and the information they sent over was unresponsive to my original demands. Not only that, they violated XXXX by sending over my procedures, diagnosis codes and a lot of other XXXXrotected Health Information. I NEVER requested. I never signed a XXXX form requesting them to access and send over my medical history. They even send me extra balances on other PHI on procedures that not even being reported on my credit report. I sent a violation of XXXX letter and it was signed for and received on XXXXThey have violated my rights. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OK)

I paid a bill using " bill Pay '' through my local bank checking account. The bill was to the XXXXXXXX XXXX XXXXXXXX for {$150.00}. This was a utility bill payment to the XXXX XXXX XXXXXXXX, OK. The bill pay check was printed and mailed but stolen during the mailing process. The stolen check was then cashed at a Chase Bank even though the check was clearly made out to the XXXXXXXX XXXX XXXXXXXX. Chase has decided to not share ANY information regarding the check cashing transaction. 
Date of stolen check : XX/XX/XXXX Date stolen check was mailed : XX/XX/XXXX Date stolen check cashed at JPMC XXXX XX/XX/XXXX I have filed a police report. 
I have filed an electronic debit dispute with my local bank. 
My complaint is with Chase Bank carelessly cashing a stolen check clearly made out to a municipallity and should immediately reimburse those stolen funds.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had a XXXX on XX/XX/17. Since then I have asked for XXXX accommodation and for last five months Wells Fargo bank branch in XXXX XXXX zip XXXX has denied that. 
After at least three complaints to their customer service department I received a letter stating they are going to close my accounts in next three weeks.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (PA)

On XX/XX/2021 I sent Receivables Performance Management a cease and desist to cease all illegal activity when it comes to the collection of alleged debt company says is mine. I also gave specific demands on how to move forward with account company didnt comply. I requested specific things from the company and they also didnt comply with that. Receivables Performance Management also didnt respond to my affidavit of truth and any unrebutted affidavit of truth stands true in court and Receivables performance management is in default. Receivables Performance Management is willfully not complying with the FDCPA. I stated the violations that they have violated and a spokesperson for company said they havent committed any. I gave company 30 days to respond to my letters through mail and they havent complied. This company is causing me great harm due to mental stress these illegal activities have caused me. Ive been limited on credit extensions due to this illegal reporting and I have been having anxiety about this matter. I wish for it to be over its harming my reputation
Consumer complaint received 2017-11-20
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: NAVY FEDERAL CREDIT UNION (TX)

To whom it concerns, My name is XXXX XXXX. A month ago I applied for a new XXXX XXXX with Navy Federal Credit union and was approved for a 15.99 % interests rate with a {$15000.00} limit. 

One day a week after I got the card, my grandson logged into my account for me, and I typed a letter to add him as a authorized user. It was approved by secure message. The following week my accounts at Navy Federal were all disabled. I called to see why, verified my identity. I sent them my Drivers License as well as my signature 4 times. They then requested I send in my daughters PoA which I did, then they requested we get proof Im XXXX by my doctor because I cant walk. I use my card online to pay bills, and order things. I mail in my payments. I sent them letters proving Im XXXX and cant walk. From my doctor. I am now being told to contact the fraud department. 

I contacted the fraud department and now I am being told I cant use my accounts unless I get a note from my doctor saying Im mentally decapitated. Which I am not, or I come in branch which I cant because I had XXXX XXXX and am XXXX. I do not leave my house. 

I have complied with all their request and the card shows up on my credit report as active but I cant use it or any of my accounts at Navy. This has gone on over a month. 

No one there cares, and is discriminating against me because Im handicapped elderly. 

This is crazy they wont even let my family speak on my behalf if I give them permission. So now I am turning to you for help further. Because this isnt how you should treat a member. 

Also now they have lowered my credit score because of the inquiries I cant get credit elsewhere.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (IL)

Binance.us has disabled my account since XX/XX/2021 and have been silent over the email, i have tried reaching out to them on XXXX but after some days of ignoring me they also proceeded in blocking me on XXXX and XXXX from reaching out to them. While holding my money hostage. 
I have about {$35000.00} when this happened and they have left me stranded because that is my life. 

This problem started on the XX/XX/2021 after i got a " Withdrawal suspended due to risk management '' when i try to withdraw from my account. I had since contacted them via email and went over to XXXX  for them to escalate my ticket. They said *my account is currently under review by their back office* until it was disabled without explanation on XX/XX/2021. 

I do not believe BAM 's actions to be incompetence ( which would still be unacceptable ). Rather, I believe there to be criminal intent. There are too many people who have had their money taken or accounts frozen by Binance.us, with no explanation, for this to be a coincidence. 

I need this issue fixed immediately.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices
Consumer complaint received 2021-10-05
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: ENCORE CAPITAL GROUP INC. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2017-11-20
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. (OH)

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

- I received a credit card from XXXX Bank on XX/XX/2018 which I never applied. 
- I did not activate this card - On XX/XX/2018, I got an email from XXXX asking me to activate the card. 
- Upon looking up my emails, without my knowledge, someone has registered at XXXX website using my email on XX/XX/2018. 
- On XX/XX/2018, I received a call from the bank regarding verifying a transaction and I called back the bank using the number mentioned in the call. I found that a credit card application was made on XX/XX/2018. I requested the bank to cancel this application and the card.
Consumer complaint received 2018-06-06
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: ALLY FINANCIAL INC. (CA)

XXXX, XXXX  and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX  and XXXX. still nothing. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX, 2016 I closed my Citi ThankYou Premier account. The auto-generated message said that I will have 60 days from the date of closure to redeem ThankYou Points. I have called to inquire about the rule since I had an open Citibank ThankYou Prestige card under the same account. I was told that since points were transferred to another current account I have 90 days to use whichever points were earned on the closed account and given that the points are pooled I will see a message under 'my summary ' with exactly the number of points I have expiring and when. I have checked on XXXX/XXXX/2016 and there was no message alerting me of points expiration. Today I have logged in to redeem the points for a flight and I see that XXXX ThankYou points are gone from my account : XXXX.
Consumer complaint received 2021-09-10
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. (NY)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

I received a letter from citi bank saying I was eligible for a credit card with 0 % for 21 months then 12.99 % after that. the invitation number was XXXX..it said i could apply on line for fast response, which i did. when i received my credit card in the mail, citi bank changed my interest rate to 22.99 %. i called citi bank and they said they would forward my complaint to the proper department and i would receive a response in about two weeks. i received the response from citi bank today in a letter dated XXXX/XXXX/15. they refused to give me the 12.99 % originally offered and accepted by me. I have not activated or used this credit card due to this issue. I consider this a bait and switch tactic that is unlawful. I want the credit card at the 12.99 % originally offered to me.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I feel I was forced into taking this Interest Only Loan that has a First Mortgage and a 2nd Mortgage lien on my property. I am older and have now been paying on these TWO loans for 10 years interest only and have NO principal pay down on my loan. I've worked so very hard to keep up the payments each month and have for XXXX  years on two loans. Due to this stress and constance work schedule I am now terminally ill, unless I receive a XXXX XXXX. My insurance and XXXX require that I go with a XXXX XXXX XXXX in Texas. I tried to get a transplant in XXXX XXXX, closer to my home, which is in XXXX, Nevada. But my insurance company would not approve the expense in that area. So I was given no choice but to move to Texas. The move an expense of the move cost me literally thousands upon thousands of dollars now. My moving truck with all my items was robbed and all my valuables were stolen. The move itself cost over {$XXXX} dollars. I am working with my XXXX in XXXX, Nevada to Short Sale my home. We have a good offer and it is nearly enough to pay off both the 2nd and the first mortgage. Although, XXXX XXXX will not provide me a moving expense credit on the Short Sale. I know the loan that was sold to me at the time I purchased my home is now considered a predatory loan and with my payments at total of {$XXXX} for both loan & are with the same Lender ( see attached Mtg Stmnts ), I have now over a XXXX year period paid them an estimated {$XXXX0}, XXXX. I know my XXXX has been getting the run around by this Lender and mainly the Investor! I do not wish to take this to court proceedings, I am trying to work with them due to my health condition and are trying to not get upset. Although, the unfairness of denying my relocation expense of {$XXXX} is going XXXX XXXX me to seek an attorneys assistance. But I was told by my XXXX XXXX Might be able to help. I am asking you help me close on this Short Sale as soon as possible please with obtaining a {$XXXX} XXXX Assistance. I am attaching the HUD XXXX showing the request for the funds and how much the Bank/Investor will be gaining with the sale. Please help me for I need assistance and need this all to be put behind me so I can move forward, regain my health and live peacefully.
Consumer complaint received 2018-06-08
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. (LA)

The credit bureaus, Transunion, XXXX and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.