davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (FL)

These companies : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX are inquiries on my credit report that was not authorized to run my credit whatsoever. They never had permissible purpose. XXXX will not remove the inquiries and told me they will not dispute them!
Consumer complaint received 2016-08-11
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (NJ)

I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have sent in three different dispute letters in regards to unidentified accounts. These dispute letters were dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have spent money printing the letters, getting them notarized and having them mailed priority. The creditors or bureau has not sent me any documentation with proof that these accounts were correct. I have spent too much time in regards to the matter.
Consumer complaint received 2018-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (MA)

Sallie Mae : Refund Check Status I refinanced my loan with XXXX XXXX because my interest rate kept going up and each payment barely made a difference to my balance. XXXX XXXX approved my new loan and paid off Sallie Mae leaving a balance of {$280.00}. I called them multiple times to reissue me a refund check since that {$280.00} belongs to me. 

I called in XXXX and was told the check was issued on XX/XX/XXXX. 

XX/XX/XXXX Called Wednesday XX/XX/XXXX to give me a status on my refund check.I was told yet again, the check was sent on the XXXXXX/XX/XXXX. Yet it has not arrived. Yet it has not arrived. They also told me they will take 10 days to stop the check and resend a new one. 

XX/XX/XXXX Called Sallie Mae on the status of my refund check. I was told that check # XXXX was reissued on Tuesday XX/XX/XXXX. The check should take 7-10 business days to arrive. 

XX/XX/XXXX It is XX/XX/XXXX. 12 business Days after check # XXXX was reissued. I still have not received my refund check. I did receive a letter sent to my cosigner mentioning the amount I paid in interest for XXXX. So no I am wondering. How did I receive this letter before the actual refund check.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (MI)

I applied for a loan with 21st mortgage and was approved for a 5 % down payment then they found out the house I was buying was being sold by a person through XXXX XXXX XXXX XXXX XXXX owned and changed it to 20 % down. They never communicated during the process and kept loosing the items I have sent them. My daughter got ill right after we moved in and I have set arrangements to pay the past due they where not flexible at all and now that we made the agreement they have decided to change the terms if the agreement and rather then catch up 1 past payment by the XXXX of this month now I must pay it all even though I made my XXXX draft over the phone with them as they requested. I never get the same answer
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

I submitted a complaint before and Home Point Financial claimed the issue was fixed which is not true. I never received a direct call from a supervisor/manager that can truly address my questions/issues. I just received another escrow analysis showing that my account is low which now means my monthly payments have increased by almost {$320.00}. Every time I call for answers I get another escrow analysis which then turns into me paying more ... .how is that possible?? I contacted the City of XXXX regarding my " past due '' tax payment notifications and they said that the mortgage company has been submitting payments late, hence they have also charged me interest. I need HELP getting someone who truly knows the business to explain why and fix all these ongoing issues, including escrow balances and interest charges. Please let me know if there is anywhere else I can raise this to, it's been months and resolution is way overdue.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION (AZ)

I'm being denied access to the billpay service for no other reason than I do not have a cellphone that gets text messages. 

This is a discriminatory practice to old people with bad eyes and XXXX who are physically incapable of using a cellphone and can't afford the cost of a bunch of tech gadgetry just for this one thing.

I'm sick and tired of millennials and their toys dictating how I'm supposed to conduct my business. I thought I was doing great just to have internet. If you're going to do this, then it should be mandatory to state in your adverting : " if you don't have a cellphone that gets text messages, don't bank here. ''
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

I have received a number of calls saying I owe over {$600.00} in debt for a XXXX XXXX credit card that I have never had at all. I informed the company that I did receive a card for {$50.00} and that was it. But after speaking directly with the company they said I also had received a card {$300.00} and I informed them that I had never seen or applied for such a thing
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

USAA is in it XXXX  for allowing it to get this far. But they said it's VISA 's fault for disallowing them from reversing the transaction, so that's where we're headed next. 

On XXXX. XX/XX/XXXX my husband went to get last minute essentials in out small town in XXXX AZ because we're headed to a motel for a few days for my Social Security hearing. We live under every perceivable poverty line. I can not walk very fast nor unassisted and I get SEVERE XXXX  from being in the wrong aisles of some grocery stores. My husband has knee problems himself and couldn't work if he wanted to ( we've both tried so hard ) and he would rather keep me safe. It's not a fun life. Every {$5.00} counts. So when he pops a tire and he's notifying me he's staying the night in town because he's ALREADY paid a roadside service who promptly promised serviceXXXX In the morning at XXXX, I'm XXXX shades of XXXX 

The next morning XX/XX/XXXX comes around and he tells me this roadside service called and canceled their alleged XXXX XXXX  appointment, too. They couldn't get someone out until the following TUESDAY. He ends up having to borrow MORE money to get tires in town because this is full-stop unacceptable and he tells the roadside service this and demands a refund for services not rendered. This is all reflected in bank statements. We go over this with the bank on the phone and they give us our money back in the meantime. 

Until about two weeks ago when we're {$400.00} and change in the hole again. We're TIGHTLY revolving zero this season. We have XXXX  income, even unofficially, until this Social Security situation is resolved, too. We re-initiate with USAA, who sends DEBT XXXX to my husband 's phone while we're trying to resolve this. This happens while we're sitting at the gas station just trying to go to the grocery store to spend our XXXX last month, XX/XX/XXXX! 

In finding out that USAA has negative interest in resolving this on our end, they did read us the fraudulent transcript the roadside company submitted to VISA in order to get their money. USAA has proclaimed they intend to send my husband all the documents the roadside servoce provided to VISA. I am disinclined to believe they will do this because they do not provide these documents to any of their customers, in my my hilariously already complaint-riddled experience. They must not have bet on someone who lives where they do because their family doesn't know where they live for a reason and would n't drive out here from a LOT of coasts.
Consumer complaint received 2017-10-22
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. (PA)

My Name is XXXX XXXX XXXX XXXX I been resiving, Notification of my credit report About i quieries i dont recognized those inquieres, i dont apply for those account, or business, i contact both parties, they dont help Im trying to fix my credit and with this issued is goin to be a disaster, if this keep goin on, I only have XXXX credit card, no loans or nothing else i dont need no more credit, I have XXXX  XXXX, XXXX, XXXX 
No need more.. please Help me.. 
I think im victim of identity theft.
Consumer complaint received 2016-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence.
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.
Consumer complaint received 2017-06-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am in receipt of two letters from Portfolio Recovery Associates, LLC dated XXXX XXXX,2017. This letter claims that I owe Portfolio Recovery Associates, LLC. On both letters Portfolio Recovery Associates, LLC are representing themselves as the current creditor of these accounts from XXXX XXXX  and XXXX XXXX in the amounts of XXXX and XXXX. I am filing a complaint because Portfolio Recovery Associates, LLC are representing themselves as a creditor but Portfolio Recovery Associates, LLC has never extended any type of credit to me. I am asking that Portfolio Recovery Associates, LLC verify that they are in fact a creditor and that they have extended credit to me or delete these listings from credit report. They also have included two different amounts for the XXXX account in the amounts of XXXX and XXXX. Im asking that the verify these amounts as well. Regards, XXXX XXXX
Consumer complaint received 2021-09-08
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. (CA)

On XX/XX/2021 I mailed an envelope containing a completed FTC Identity theft report, letter stating I am victim of identity theft also outlining the incorrect information, copy of social security number and copy of driver 's license. I sent these letters to TransUnion, XXXX and XXXX through certified mail. Tracking # XXXX XXXX XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX for XXXX. Tracking # XXXX XXXX XXXX XXXX XXXX. They were delivered XX/XX/2021. The incorrect item on my credit report is a late payment by XXXX XXXX and a fraudulent account from XXXX XXXX. The date is XX/XX/2021 and the fraudulent item is still on my account and the late payment has not been correct. Per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked no later then 4 business days from XX/XX/2021.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Neon Newco Corporation (TX)

Hi I am very overwhelmed.. I am being XXXX.. i have been called a XXXX I have been ask over and over again for the personal information over the phone plenty of times.. I have responded to them and I had told them several of times about my accounts banks cards loans and so on with my credit..today I reported a card stollen I got XXXX $ taken away from my net spend card it was my rent money they over drafted me
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SECURITY FINANCE CORP (TN)

On XXXXsecurity finance of XXXX tn contacte XXXX of my employees/coworker and said they were going to garnish my wages. I do owe the company and I am making payments. I asked them in never to contact me at work and now they have tarnished my name.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have an account with coinbase. I had money ready to be withdrawn to my debit card. According to coinbase if you decide to get the Amount on your debit card it is sent there instantly. This was completed on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have it available in my account.
Consumer complaint received 2018-03-23
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 recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

While looking at my history, I noticed I was charged XXXX on XXXX/XXXX/XXXX for a Repayment Fee. I have never heard of such a thing. I believe this to be an illegal fee, snuck into my loans that I 've been paying interest on. I believe Navient owes me back interest as well as this fee. 

Further more, I have been charged disbursement fees, which I also have n't heard of. They were : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I question the legality and validity of these fees.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (IL)

This is also a matter of fraud and identity theft, but not identity theft for myself. 

On XX/XX/24 I sent payment to a friend {$1600.00} through Venmo. In fact, this was not my friend, but was someone posing to be my friend. Once learning this information, I immediately contacted Venmo ( within hours ) with this information. At that time, they told me there was nothing that could be done and I should only utilize Venmo between friends and family. When I explained that this was a friend, or so I thought, they told me again, there was nothing they could do because they had already paid the party the money. 

On XX/XX/24 I contacted my back, who informed me that the transaction was pending and had not been paid through my bank. At that time, I instructed them to stop payment on the transaction and I signed a consent form for that to be done. I them informed Venmo that I had stopped payment on this transaction, and they told me that I still owed the money because they had already paid it even though it had not cleared my bank. 

After receiving an email XX/XX/24 saying that they were trying to recover their funds and that I owe them {$1500.00} ( I had a positive balance of {$40.00} in my account ) I reached out to Venmo via email to notify them that I would not be paying this ( Full email attached in word document to this form ). 

On XX/XX/24 after receiving multiple phone calls and discussing the concerns, I stated that I wanted to file a dispute. I emailed that day as well ( attached ) XX/XX/24 received a phone call from Venmo collections- after reiterating the situation I was told that no dispute has ever been filed. I was transferred back to the customer service department and informed them again that I wanted a dispute filed. At that time, and via email, I instructed them to file a dispute and provide me conformation of that dispute within 24 hours. I never received any notification of this dispute being filed. At this time, I also stated that if they did not respond to my request within 24 hours that I would retain legal counsel on this matter. ( Emailed attached ). 

To this date I still have not received confirmation of them filing a dispute but continue to receive multiple phone calls a week from the Venmo collection department.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

In XXXX XXXX XXXX Bank reported to chexsystems that my checking account was closed because of fraudulent activity. I closed the account on my own and there was no fraudulent activity on my account.
Consumer complaint received 2019-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I set a {$500.00} check to Navient on XX/XX/2019. The check cleared my account on XX/XX/2019, but has never been credited to my account. I've called twice on the issue. The first time, they apologized and said that my account would be credited by the next morning but it was not. I waited a week, and called back to explain the situation again. This time, they said that they were unable to find a payment and suggested calling another department to request that my {$500.00} be returned in 4-6 weeks. When I allowed them to transfer my call, the phone rep simply put me back in queue for her own department, which was the phone number XXXX. Navient has effectively stolen {$500.00}. They've cashed the check and will not credit me.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2024 there was a {$500.00} transaction into an unknown account from my Venmo account. Basically everything I had in the account. Ive disputed this transaction and it got denied. Ive talked to an online agent who reopened the dispute and never heard anything back. Now an online agent cant tell me anything about this and the account specialist team to email will not return my emails. 
The money transferred out of my account was to a XXXX XXXX unknown account. I told them I do not even have a XXXX XXXX account and the name must not match my name. I didnt make the transaction and I was sleeping at the time ( XXXX XXXX on XX/XX/XXXX ). I can not get any person on the phone or anyone to talk to online or through email, on my Venmo account it just says dispute resolved. Unfortunately it definitely has not been resolved.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

I have attached a XXXX documents. The customer service department sent me a message XXXX XXXX attached XXXX XXXX XXXX which clearly states : Your loan has been non-escrowed for insurance. 
However, the company still charged me for insurance from XXXX XXXX XXXX XXXX, see attachment XXXX CFPB XXXX - XXXX, They keep telling me they sent letters. However, their customer service department was negligent by sending me a message the loan would be non - escrowed. I would like my mortgage to be non-escrowed at once.
Consumer complaint received 2017-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

On multiple occasions beginning on XXXX XXXX XXXX I have requested that Freedom Mortgage pay my full property tax bill. They have not done this despite several phone calls and emails. There is sufficient balance in the account to pay the bill but Freedom Mortgage will not pay them because of an internal email advising customers reps to tell clients they can not do this without a valid tax bill however the a valid tax bill has been provided several time. This was told to me by XXXX XXXX ID XXXX
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

On XXXX XXXX, XXXX I sent a debt validation letter certified mail to Diversified Consultants. Today is XXXX XXXX, XXXX and I received a response back but it was only a copy of the bill from original creditor XXXX.