davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
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. (MI)

The company XXXX XXXX XXXX has not been reporting my current balance as I have been directly paying the company {$50.00} monthly since XX/XX/21. I notified the company of this inquiry and I was advised they had mistakenly not been reporting the current balance of this loan. This error has affected my financial goals. I have been declined for several loans and credit lines due to this outstanding balance. I have even notified credit bureaus ( transunion, XXXX ) of this error and the investigation proved the account to be an accurate balance. There is false allegations on both parties and Im the only one suffering from these false allegations. I am unable to take out a mortgage line due to the accounts impact on my credit. I am requesting the account be removed from my credit report due to its false pretenses and I will continue to make payments to the company directly. 
TransUnion and XXXX have continued to report this account as accurate in recent investigation reports.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I contacted Navient student loans in XX/XX/XXXX about my student loans due through XXXX. Upon doing so I was informed that they can check my eligibility for a student loan forgiveness program. I was screened and told I would be eligible for student loan forgiveness. I started my application and was told there was a fee of almost {$700.00} and that payment could be broken down into XXXX payments. I gave my acoount information and began my application process. I was informed by XXXX the consolidation company handing my student loan forgiveness process that this application process is actually free to do. Which means that the woman I spoke to XXXX XXXX ext XXXX, committed fraud by providing my application to a third party company which charged my account for payment which I was informed should have been free to process my student loan forgiveness application.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America continues to charge me overdraft protection transfer fees when my account has not be overdrawn and no protection fees have been transferred. When I contacted them yesterday to try to resolve the issue, they refuse to reverse the fees even though they have no justifiable reason for enforcing them. They have recently XXXX online support for this issue so that there is no paper trail for their handling of the situation. Again, my account was never overdrawn and there was no need for overdraft protection, but it was applied by the bank regardless and then a fee was assessed. This occurred on XXXX/XXXX/16 among various other occasions.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have tried calling all three bureaus and can not get past automated system. I have also tried getting online help with those that allow that and nothing. With Trans Union I can not log into my account and for some reason I am getting message information is wrong and it isn't. I have even reset my password and it still says the information is wrong. Now I can not reset because I keep getting looped back to please enter your social security number. I filed disputes on 6 accounts a while back and have not received any report back or confirmation. On XXXX   and XXXX  I was able to log in but these disputes are nowhere on my account or report nor are they in my alerts. I am sure it is so with Trans Union but I can not check because I can not log in nor reset my password. I am tired of dealing with these people.
Consumer complaint received 2017-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

Notified my servicer on  XXXX   XXXX  that my property taxes where showing delinquent on the   XXXX   XXXX     county  tax assessors portal and I was receiving past due notices from the tax collector as well.     My servicer figured out that they had been paying my property taxes to the wrong property. On  XXXX   XXXX  I was told that they would fix this and make sure the proper account was accredited. It is now ov er one  month later and I have contacted the  XXXX   XXXX   County Tax Collector and they have no record of my servicer ever calling to fix the error or apply the funds to the correct property address or request a refund from the other homeowner that the taxes where in paid in error to.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION (MI)

We have been unable to sell our home for what is owed and contacted Navy Federal Credit Union about doing a short sale. They sent us the paperwork and we put the home on the market, during this process NFCU would not postpone the sheriff sale, however, we live in Michigan and have a 6 month redemption period after the short sale. We finally rec 'd an offer on the home and now NFCU is telling us they wo n't negotiate a short sale because it is after the sheriff sale ... this make no sense to us because they did n't inform us of this at anytime during the process. We ca n't pay off the loan and really do n't want the home to remain vacant for over 6 months. Does n't the government want banks and credit unions to work with their mortgage holders? Please help.
Consumer complaint received 2022-02-13
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: MAJR Financial Corp (NJ)

While checking my personal credit report I noticed an Inquiry made by XXXX XXXX. I did not authorize anyone employed by this company to make an inquiry and view my report. I request that a copy of my signed authorization that gave them the right to view my credit report.
Consumer complaint received 2017-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

I have received a statement on  XXXX / XXXX / XXXX  from my new loan compan y LoanCare a   servicelink compan  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , VA  XXXX   XXXX  whom bought my loan from   XXXX   XXXX   XXXX   XXXX . The loan was bought in    XXXX   XXXX   XXXX    ( i know why the bought in  XXXX  now. ) I had    XXXX   XXXX   XXXX    since my last FHA refinance in  XXXX . I have NEVER had an escrow issue for 6 years. N ow LoanCare is saying I am a tax payment short of their buffer. Which the amount is {$1600.00}. Their   statement suggests even if I pay this amount my payment will be increased. This is very fraudulent and happens to millions a suspect a year. I have contacted  XXXX  to request all  XXXX  statements to prove this fraudulence. What is worst, is I have contacted LoanCare by phone without a successful explanation other than your short. I have emailed them  three times in the last three weeks with  NO response. Let me know if you need anything from me as I battle a bank ....
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (VA)

I am filing this complaint against BMO Harris Bank. 
This bank stopped my debit card and will not send a replacement card and hence I have no access to my money. 
I have contacted their customer service numerous times and they will not send me a replacement card nor close my account and send me my money. As a result they are keeing my money and preventing me from accessing it.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Somebody stole my credit card identity information and made XXXX purchases in a supermarket named XXXX for {$510.00} between XXXX and XXXX. There were other XXXX charges in other locations for {$400.00}. I have never been in any of these merchant locations, actually, I had to XXXX it because I did n't have any idea who it was when I read its name in the charge description. I disputed all charges when I received a text message from Bank of America on XXXX asking my approval for XXXX of those charges. Actually, I was sleeping at the moment I received the text message because I work during night shift. I swiftly replied " NO '', the credit card was immediately blocked, and I went to XXXX of the branches to report all these XXXX fraudulent charges, and requested a new credit card with a different account number. 
XXXX sent a receipt of XXXX of the XXXX charges ( {$220.00} ) to Bank of America that was signed electronically ( it does n't show my handwritten signature ), and the bank asked me a valid credit slip showing that the merchant intended to issue credit to my account. I explained the bank all the facts and impossibility of obtaining such receipt, the bank invalidated my dispute recharging me that amount. 
It draws my attention this merchant presented a receipt for {$220.00} charge only, and did n't rejected the other XXXX disputes ( {$250.00} and {$29.00} ). 
What is more disappointing is that Bank of America honors this kind of fraudulent actions despite I rejected this charge since the very beginning and make me waste my valuable time. Now, I have to go to the merchant place and if I can not get the credit from them, I have hire a lawyer to dispute this charge.
Consumer complaint received 2015-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Round Two Recovery (LA)

XXXX XXXX and Roundtwo Recovery are reporting debt on the same account. The account was paid XXXX 2014 to XXXX XXXX. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including Roundtwo Recovery and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint AGAIN to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance  : {$9800.00}.
Consumer complaint received 2023-04-03
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2022-02-13
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: CBC Companies, Inc. (NJ)

While checking my personal credit report I noticed an Inquiry made by Factual Data. I did not authorize anyone employed by this company to make an inquiry and view my report. I request that a copy of my signed authorization that gave them the right to view my credit report.
Consumer complaint received 2022-02-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

After several attempts of disputing this fraudulent activity on my consumer report and asking these items be removed due to identity theft after sending in several ftc forms thru the credit bureaus and they respond and say this alleged debt is accurate and I am the original creditor i can only verify debt as true based on 15 USC 1692c i am invoking my specified remedy as the consumer and original creditor I am demanding all late, negative and all fraudulent activity be removed to correct my consumer report!!!!
Consumer complaint received 2016-05-29
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from Bank of America for servicing. 

The loan amount that was due at transfer was XXXX. 

XXXX needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, Bank of America, and reflects a XXXX balance. 

I 've attached the most recent update from Bank of America referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

XXXX need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, Bank of America. 

There has been no activity on the account since the transfer to XXXX ( ie no payments or payment agreements ). 

I am communicating via the CFPB because XXXX 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.
Consumer complaint received 2018-03-18
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. (NY)

I am currently investigating and building a case against Experian for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from Experian, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
Experian refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from Experian. XXXX XXXX, this inquiry is showing that it was pulled once in XX/XX/XXXX, twice in XX/XX/XXXX and once in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX. Therefore, the XXXX XXXX, ( four times ), XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX inquiries need to be removed from my credit file from Experian. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX  data breach and am therefore requiring Experian to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, Experian placed a fraud alert on my credit file without my authorization which is fine, however they still have not provided me with any proof of any permissible purposes. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I submitted a validation letter to Experian and XXXX XX/XX/2021 asking for confirmation IN WRITING that the debt is mine. It is now XX/XX/XXXX and I have yet to receive validation.
Consumer complaint received 2017-03-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/XXXX i had a auto loan with Capital One Auto Finance, i made all payments on time, in XX/XX/XXXX i lost my job, I call Capital One Auto Finance and let them know i lost my job, they told me to make one last payment in XX/XX/XXXX, then i can give back the car and i would not owe anything, i did what i was told, i never receive any bill for payment so i guess everything was ok, i made arrangements for them to come to my home and take the car, now XXXX later on my credit report there is a charge off account for {$6900.00} which is harming me from getting anything any credit. I do n't understand how Capital One Auto Finance can get away with such illegal stuff, they talk to me so good took the last payment and i let them come to my home and get the car. then put that on my credit.Please help me
Consumer complaint received 2017-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

I was receiving calls from  XXXX  of a debt in  XXXX . I informed them that the debt is invalid. It was a charge to my cell phones. We went back and forth by phone and mail for sometime. Finally I realized they did not believe me. So I sent a dispute document attention to manager in   XXXX   XXXX   XXXX  . I was a customer of theirs for many years without a missed payment. The bill was false. I told them by phone if they did not correct the mistake I would file a complaint. They assured me it would be corrected. Due to the mistake and harassing phone calls I left their service. Years later I received a bill from  Midland Credit Management,  inc saying that the debt was still valid. I notified them of the situation and we went back and forth by mail. Ive sent Certified mail to them also disputing the debt. Ive disputed it from day  1 . I am now disputing the bill with  Midland Credit Management, inc  .  Ive sent letters disputing the debt and requested any signed documentation. They are yet to send me any signed documentation from them or  XXXX . Last dispute letter sent to  Midland Credit Management , Inc.    XXXX   XXXX   Certified mail.
Consumer complaint received 2015-10-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC (CA)

This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you
Consumer complaint received 2022-02-13
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: Consolidated Information Services Solutions, LLC (NJ)

While checking my personal credit report I noticed an Inquiry made by UNIVERSAL CREDIT SERVICES. 
I did not authorize anyone employed by this company to make an inquiry and view my credit report. I request that a copy of my signed authorization that gave them the right to view my credit report.
Consumer complaint received 2015-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

In XXXX the XXXX XXXX XXXX XXXX Office of Finance sent to me a notice claiming that I owed a business tax on income generated in XXXX and XXXX. This is impossible, as I was involved in a tax-exempt activity ( creative writing ) recognized by the XXXX of XXXX XXXX as a tax-exempt activity. I also qualified for the small business exemption, though I never had a business. Furthermore, I was exempt in that I never generated enough income to qualify for the business tax. Since this time, the XXXX of XXXX XXXX has sent this erroneous debt to several debt collection companies, all of whom have been unable to verify the debt, and have dropped it. Yet the collection companies keep coming after me. Municipal Services Bureau ( MSB ) viciously harassed me and tried to force payment on this erroneous debt back in XXXX XXXX. After addressing the matter with my attorney they dropped the debt. Now they are coming after me again. They have sent to me a bill from the XXXX of XXXX XXXX and claimed that this is verification. An erroneous bill is not verification of a debt. There is no debt. To state it clearly, NO TAX WAS EVER OWED, AS I QUALIFIED FOR XXXX DISTINCT EXEMPTIONS. Collecting on this debt is an act of fraud, negligence and incompetence on the part of collectors and the XXXX XXXX XXXX XXXX Office of Finance. Municipal Services Bureau is engaging in debt collection harassment. I strongly suggest that the FTC investigate MSB and the XXXX XXXX XXXX XXXX Office of Finance. I will never pay this erroneous debt.