davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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)

Im a XXXX  and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a XXXX  Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXXXXXX XXXX XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXX XXXX  XXXX  XXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX  - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX  - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX , Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX. I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.
Consumer complaint received 2020-10-20
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. (MI)

On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX  ( c/o XXXX   XXXX, XXXX XXXX. I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I NEVER REQUESTED MY ACCOUNT TO BE CANCELLED!!! 

I contacted AppleCard on XX/XX/2023 because my card was declining, I spoke with an agent who helped verify the transaction and continued to use my card. 

However I went to use it today and it declined. 

I called and AppleCard is saying I closed it?! 

Thats not true!! Please listen to our calls!!
Consumer complaint received 2021-04-08
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: EQUIFAX, INC. (TX)

please remove all incorrect information FCRA VIOLATION wrong name, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXXS XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX AD XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX BANK AND TRUST Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX Account Dispute Reason Selected Edit Payment never late
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

ChexSystems is showing that I have a derogatory public record on file. This is not the case and the case has been given a " Full Satisfaction of Judgment '' ruling, XXXX2015
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (VA)

My purse was stolen XX/XX/XXXX. I called them they reversed the credit then in spet they took the credit back stating there was no proof my purse was stolen since there wasn't a police report. Even though what was purchased I never purchased it before. The amount was XXXX
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (TX)

I started my refinance process with Lowrates.com back in XXXX of 2020. 
My loan Officer is XXXX XXXX My loan processor is XXXX XXXX Their Sales manager is XXXX XXXX Its now been 6months and they still have not given me a day to close on my loan. This is despite the fact that I have received a loan approval. Throughout the refi process I have responded and given them EVERY piece of documentation WITHIN MINUTES of them requesting it. I've even gone as far as doing " their '' job by getting my own mortgage payoff quote directly from my lender. Because in their own words, " I CAN GET IT MUCH FASTER THEN THEM ''. BTW, they have now asked me to get a payoff quote 4 SEPARATE TIMES, because the payoff " good thru date '' they ask me to ask for expires. They even asked for my tax returns ( for a second time ) after having my loan supposedly in process for 3 months. It's my understanding that tax returns, credit scores and debt ratios are verified at the VERY BEGINNING so that the company and CLIENT don't waste time and/or money. These are all examples of poor customer services, inadequate training, leadership and lack of processes. 

When I ask them for a status or why its taking so long, their response is " its due to covid '' or they forgot something or they didn't realize I needed an appraisal done ( after they had the loan application for 5 mos that is when they realized that mistake ) but the response I get MOST OFTEN FOR THE LAST 2 1/2 mos is " SILENCE ''. My emails, phone calls and text msgs to every person I mentioned above are just ignored. No sorry, no explanation they just simply go unanswered. When I do hear back from them it's to ask me for another " CURRENT '' bank statement, another " CURRENT '' paystub, another " CURRENT '' letter from my XXXX  that I'm still in business, another verification of employment or needing another credit inquiring response letter from me. Once again this is lack of procedures and gross mismanagement. I can't believe that this isn't costing the company money because of the rate lock extension fees XXXX which they are trying to make me pay XXXX. 

I did contact the sales manager XXXX XXXX back in early XXXX to voice my grievances and lack of communication. Unfortunately, after leaving a message on my phone that stated that he was unaware of any problems on my loan but that he would look into it and get back with me I have yet to get another call or message. 

The only reason I'm sticking with this company though is for the simple fact that now with interest rates rising I would be locking in a higher rate. Believe me I would much rather take my business elsewhere if it would not cost me so much with a higher interest rate. 

So I'm asking for help in getting my loan closed and at the same time report this company and its employees for their complete lack of care, understanding, compassion and horrible customer service.
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I have been in direct contact with the company that the services were provided with. payments has been made account balance is XXXX however the account is moving from creditor to creditor without verifying the information .... 

most recent creditor never contacted this writer in reference to the account however their name is under creditor on my credit report
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

Someone have opened a account in my name using my social security information. They bank it was opened at was Wells-Fargo bank. I attained a copy of my credit report and seen that it was open. This account is fraudulent and my identity was stolen. Someone have opened this account without my permission. I did not allow anyone to open this account and I did not open this account. This account was not opened with my permission. I did not know that it was opened. i have filed a police report.
Consumer complaint received 2021-02-08
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)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached repo
Consumer complaint received 2020-10-31
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. (TX)

I DID NOT BENEFIT ANYTHING AS A RESULT OF THESE ACCOUNTS BEING OPENED IN MY NAME WITHOUT MY PERMISSION NOR DO I HAVE A CONTRACT OR AGREEMENT WITH THIS COMPANIES.
Consumer complaint received 2020-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

There wasnt an exact selection matching issue at hand. 

Progressive Management System just appeared on my credit report yesterday XXXX XX/XX/2020 which was surprising to me as I have received ZERO notification since my dispute last year. They were notified last year which is also the last correspondence that this was an absolute error and dispute. 

I contacted XXXX as we have had them for years and are very aware of all of our costs. XXXX investigated and found that XXXX XXXX XXXX entered the wrong billing code and that we were billed improperly. They were advised to fix this at that time. PMS also was to ensure XXXX XXXX was given the account back with no collection efforts. 

This is absolute frivolous collection with zero recent communication and XXXX has already confirmed multiple times this is not owed by the consumer we pay $ XXXX  monthly for health insurance to have the best so no this is not accurate or valid
Consumer complaint received 2020-10-31
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: JPMORGAN CHASE & CO. (NC)

I made a payment to my Chase credit card account, Chase is showing the payment was posted, but my i am unable to use my card for one week. I called them and they said it is because my payment was more than half of my available credit limit ( my limit is {$5000.00} ) my card will be unable to use anytime i make a payment of {$2500.00} or more for one week. The payment supervisor informed me that this is across all of Chase, not just me. My bank is showing it was posted, Chase shows it was posted, and my new total balance is {$88.00}. This is completely unfair and I never agreed to this in the terms and conditions. I am unable to use a card even though I paid my balance. Is this a scam to make me not make a full payment and pay them interest? I have a XXXX and this is my main credit card that I use. Can you please help? Thank you.
Consumer complaint received 2019-10-30
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. (IL)

I originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CL Holdings LLC (TX)

i received a letter in the mail from Jefferson Capital Systems LLC, about a charge on a XXXX account for {$660.00}. When the man ask me to verifiy the last for of my SS # he said that is not what is on file, they have the last for of a SS # of # XXXX that is not mine and this bill and account is not mine account # XXXX JCS Reference # XXXX,
Consumer complaint received 2020-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Dear Sir/Maam Subject : To look seriously into the harm caused to my life, by this huge student loan, which supposedly meant to help, not harm! 
When I graduated from XXXX college of XXXX, I didnt know life will become such a mess, even after working exceptionally hard for years, without vacations .My Navient student loan has only increased ( {$140000.00} ), not decreased! the interest keeps adding up. 
I have worked on Saturdays, even Sundays in my first yr, treated patients sent away by other drs, was paid much lesser than a male colleague, drove in snow storms, tolerated discrimination at workplacebut never stopped working since I graduated, just because I always had the huge burden of student loan. 
i also accept Medicaid patients all the time, which very few drs accept.i have worked in rural area for yrs now, so poor patients dont have to drive far to nearby cities. 
I am also head of household, which has made life even harder.Everytime I went to apply for house loan, or business loan, my application was rejected due to this student loan. 
so, I kept wasting money towards house rent for yrs.and everytime, I had to move, it was expensive, & I had to startover again & again. 
i also kept working at much much lesser salary, than what I could have made, as a business owner. 
Since, I could not get a business loan, to startup business in a good location, I invested whatever personal savings I had, into a very small business venture in XXXX. Which didnt workout, due to wrong location of business. Finally, I ended up doing bankruptcy in XXXX, which did include the Navient student loan.but this loan was never discharged? and I am still struggling because of this. this student loan totally ruined me from growing financially, for years now! 
I dont have any late payments in my credit history, but it was the this huge Navient student loan, that stopped me from progressing towards a better life for myself, and my family.its been very depressing and frustrating journey.it has left me unprepared for retirement, or without any significant savings at this age. 
So, this loan didnt help me at all.infact, it only ruined me financially, emotionally, and socially. Because, I didnt even own a house till XXXX.This loan is still at {$140000.00}, the interest keeps adding up. 
I have already struggled my entire golden years, trying to pay it back. I dont know what else to say.what more can I do, or how much more can I suffer? what else Navient wants from me? to me, it a mean organisation, ruining lives of young professionals, who could have achieved much more, and given back so much more. 
I humbly request you help me get this loan forgiven /writtenoff.i have no other choice. I tried very hard. 

Thanks XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (OK)

Previously submitted this complaint and received a response which is not accurate from the company. The original complaint ID # is XXXX. The company responded they did not rec the fraud. I have submitted 2 different forms on 2 different occasions and as per an email they sent me the wrong form the first time and had me complete a second form. I don't understand why they say this is not being reimbursed due to a lack of fraud from submission. I have filed police reports, fraud reports, etc. Thanks
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Porania, LLC (GA)

I suspect a fraudulent account on my credit report. I put in an FTC for it and letter and never received a response for 30 days or more. By law after 30 days you are suppose to remove the accounts after no response.
Consumer complaint received 2017-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (TX)

XXXX, a crypto currency exchange, refuses to return {$32000.00} to me. I am Tier 3 verified and supposedly have {$25000.00} daily {$200000.00} monthly US Dollar withdrawal limits. 

I tried to withdraw {$25000.00} on XXXX XXXX, XXXX. After that failed I tried again, with a lower amount ( {$20000.00} ) on XXXX XXXX. Again I was denied. 

Yesterday, I received the explanation below : " The reason your transaction failed is because it is above the annual USD transfer limit of $ XXXX. 

This limit is put in place by our USD funding partner due to compliance restrictions, and is not the same as the limits permitted by XXXX at Tier 3. We are currently working to increase our funding limits and are hoping this will roll out within the next month or so. 

Since you intend to deposit or withdraw large amounts of USD, you might consider our Tier 4 or Corporate account options. Otherwise, you can withdraw your funds as crypto. '' How they can claim to have a {>= $1,000,000} annual US Dollar withdrawal limit on their site when the actual annual limit is only 2 % of that. It feels like theft to me.

I pay all applicable taxes, comply with all applicable laws, have nothing to hide, and applied for the " Tier 4 '' option as they requested, but my money is still held hostage.