davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Civil judgement was vacated. Case was dismissed without prejudice. Forwarded copy of the order from the court to transunion via fax on XXXX/XXXX/2015. On XXXX/XXXX/2015 their " investigation '' was closed and the item was " verified as accurate '' which is impossible, because it is incorrect. After spending several hours on the phone today being transferred and disconnected over and over again, it is clear that they have no intention of fixing this error. They claim to have never received my document and asked me to fax it again. When I asked them to verify receipt of the fax, they said that they could not. 

This is a never ending cycle of incompetence coupled with the inability to easily communicate with anyone due to the language barrier of the operators. I speak English. My initial call, I was transferred to a supervisor and disconnected. The second call I was transferred 3 times to XXXX different supervisors, then disconnected while being transferred to the XXXX. The XXXX call, I was disconnected by the first operator while he was attempting to transfer me. 

This is not a matter of he said/she said. It is indisputable fact that no one is arguing except for transunion. The court will confirm that the judgement was vacated and the case has been dismissed. The original plaintiff will confirm that the judgement has been vacated and the case has been dismissed. I have hard evidence proving that the judgement was vacated. Transunion just really wants to keep this on my report for no apparent reason. 

They categorically refuse to remove it.
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CT)

Calls began XXXX XXXX at XXXX. Then XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX & XXXX, XXXX XXXX at XXXX & XXXX, and today at XXXX & XXXX. I will be sending them a cease & desist letter like I did to XXXX XXXX, XXXX XXXX and XXXX XXXX. 

These are all robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day? On a weekend?
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CA)

I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my TD Bank/target card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to target to have this account blocked. I then spoke with target, and they said that the account was blocked because the credit bureaus had sent them a letter, stating that there was fraud on the account. This account was never in my initial dispute, or was any information provided by the credit bureaus for them to have this account blocked from being used. The creditor has not provided any proof of them receiving information from the credit bureaus to validate. I can also provide proof of my identity in a letter, stating that this account is not fraudulent.
Consumer complaint received 2017-10-14
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)

Identity theft fraud credit inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX No date XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (ME)

I disputed with the creditor directly ( see attachments ), in XXXX, XXXX. Received letter dated XXXX XXXX, XXXX, in regards to dispute. Letter states account is being reported correctly. Account was " updated '' within credit reports, yet the information reporting is now more " incorrect '', than before. 
I contacted creditor on XXXX XXXX, XXXX, in regards to paying off my account. I was informed the account was already closed. This is when I decided to pay the account in full. Account became late, due to divorce proceedings. Creditor waived late fees, as well as interest accrued. Account was closed by credit grantor, not by consumer, as being reported. Also, the opening date of account varies. Date of status is incorrect, as final payment was received XXXX, XXXX. Recent payment is no longer reflected in report, and is reporting paid and closed. Also, in original letter to creditor, I emphasized any and all contact to be conducted by postal mail. Creditor is asking for me to contact via telephone, after the fact of notification.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (FL)

We have repeatedly received calls from the NP GROUP out of XXXX, NY for a debt that that they claim is mine. I confirmed with them during one conversation that the debt was not and could not have been mine. The lady said she made a note and that they would stop calling. They have not. Furthermore, I have contacted the bank for whom they claim to represent and confirmed that there is no record of this debt existing. 

XXXX, ny np group
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (CA)

A previous complaint was submitted and nothing came of it. This will be my last attempt before moving forward with other options due to securities XXXX and a host of other violations. At this time, my debt has been sold/transferred to a third party ; reference 12 CFR 1006 Fair Debt Collection Practices Act. I will not include a XXXX codes and violations, as my next step will be in XXXX XXXX. I am aware of XXXX XXXX XXXX XXXX, however my original contract is with Upgrade. XXXX XXXX has no jurisdiction and they will be handled accordingly, as well as Upgrade, if this is not rectified immediately.

12 CFR 27.2 Applicant means a natural person, including a co-applicant, who makes an application. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.The federal securities statute described under 18 U.S.C. 1348 is patterned after the mail XXXX and wire XXXX statutes and states it's a federal crime to defraud anyone in connection with a security or commodity or to obtain any money or property from the purchase or sale a security, by using means of false or fraudulent pretenses, representations, or promises. The Securities Exchange Act of 1934 governs the trading of stocks and bonds in the United States and the law was established by the Securities and Exchange Commission ( SEC ), which is responsible for enforcing the federal securities law. 
Must I continue? Upgrade and XXXX XXXX XXXX will be named in a securities XXXX  lawsuit if not rectified. Furthermore, according to relevant XXXX & XXXX forms filed with the SEC, securities XXXX will easily be established with a proper audit. XXXX is not what I want to do, but if necessary, I will.
Consumer complaint received 2022-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WV)

I suddenly stopped receiving statements from navient. At the time that I had stopped receiving them is also to time that I had seen articles of them being involved in a lawsuit. So thinking it had to do with that, I waited. Now they suddenly start sending statements again and have fees attached. Its 2 months behind. Something that would have never happened nor had ever happened before.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WV)

I was a victim of identity theft on or about XX/XX/2016. At that time, I got a bill from XXXX for new cell phone service and an iPhone. I have never had service with XXXX and have never owned a personal iPhone. I contacted XXXX and filed a fraud report. I reported the fraud to my local police station as well. XXXX quickly determined the charges against my credit card were fraudulent and relieved me of any responsibility for payment. 
I initiated credit monitoring with Equifax in XX/XX/2016 after the identity theft incident. I noticed XXXX had run a credit check on me pursuant to the fraudulent phone and service purchase. I spoke with an Equifax representative regarding removal of the credit report. He told me that XXXX would need to contact Equifax to confirm that the credit report had been run pursuant to fraudulent activity. I called XXXX and their representative said that this information had already been provided to Equifax. However, when I spoke with Equifax, they said XXXX had never contacted them and that they would not accept a letter I had received from XXXX as proof that the credit check had been run as a result of fraud. I called XXXX back and they said that since they had already provided the information to Equifax, they would not do so again. I disputed the report with Equifax but they refused to remove it.
Consumer complaint received 2015-05-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC. (TX)

The company that is handling this debt is called XXXX XXXX XXXX. The phone number I have for them is XXXX and the woman I spoke with is named XXXX XXXX at ext XXXX. She called my home on XX/XX/XXXX and left a message about an outstanding account that was initially with CashNet USA ( online payday ) back in XX/XX/XXXX. She repeatedly threatened with jail time over this debt. I know that this debt was paid by the bank because when they pulled out the full amount owed from the account, that bank account ended up closing out with about $ 1400-1500 left owing the bank. After repeatedly being hung up on while trying to talk to her about this, I did some research and located this site. When I realized what she was doing was wrong and even illegal, I decided to file a claim.
Consumer complaint received 2022-02-15
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. (CA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Besides, the inaccurate information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$93.00}
Consumer complaint received 2016-04-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Principal Group, LLC (MN)

I was contacted by phone from the NP Group ( XXXX & XXXX ) asking to speak to XXXX, ( my daughter ). They claimed they were collecting a debt against XXXX. I said I knew nothing about it. This is a intrusion of privacy, I am on the National do not call list and yet they call. I do not know how they got my number. My daughter contacted XXXX XXXX and they validated the fact that she did not owe anything and that this is a scam. XXXX lives in Tennessee and is filing a claim with the state there for the same reason. If you check on line you will see that this company has a long record of this type of behavior and bad business practice. What can be done to protect our citizens against this type of business practice? 
This is a continuation of my claim dated XXXX/XXXX/2016 that I submitted. On XXXX XXXX received a call from a company called XXXX ( XXXX ) that threatened her with the filing of a formal complaint against her for bank fraud and collection of a delinquent debt. She tried to get information on the company but they hung up on her. At XXXX I was contacted and asked to call XXXX regarding the whereabouts of XXXX, I called them but they would not provide me any information about their company, they proceeded to hang up on me. At XXXX today my son ( XXXX ) received the same call, he did not respond. At XXXX our home received the same call ( and I have it on my voice recorder ) and we did not respond. XXXX contacted the FTC and filed a like complaint ( ref # XXXX ). If you check on line you can confirm that the phone numbers they are calling from are real and are being used by scammers. What ca n be done to protect our citizens against this type of fraudulent business practices? We will help in any way we can. 
I am attaching the formal complaints that we have filed with the State of Minnesota along with what their coarse of action is. These provide more information than I typed in this box.
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

On XX/XX/XXXXaround XXXX XXXX  I heard a very loud and aggressive banging at my door. I did not see a car parked in my driveway nor across the street. I asked who was at the door and what they wanted. The individual said she was from the sheriffs office and when I opened the door, the officer hid on the side of the house and then proceeded to hand me the paperwork. She did not ask for my ID and she signed off on the document. This debt is from XX/XX/XXXXthat I was paying on regularly until XXXX. I had to use this card to pay for my mother funeral in XXXX. I have not been gainfully employed since XX/XX/XXXXuntil XX/XX/XXXXand I am now only working part time. I am not looking for compassion but the tactics were aggressive and unwarranted especially for someone like me that suffers from XXXX  with documentation to support that. I have submitted an Answer Document to the law firm : XXXX XXXX and XXXX XXXX XXXX, NC but have not been able to speak to an actual person.
Consumer complaint received 2016-05-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc. (CA)

I received a call at XXXX today from XXXX from a person identifying herself as XXXX. She stated she was representing Monarch Recovery Management based in XXXX and asked if I was XXXX. I affirmed that I was, and she asked for my birth date. This I refused for obvious reasons. I asked the nature of the call, and she replied it was about a debt to a bank I had never heard about. I told her I had no debts and had never heard of the bank she mentioned. I asked her for the birth date of the person she was looking for and she refused, citing privacy. She then suggested that my providing her with my birth date might help me detect identity theft. As a retiree from the California Department of Consumer Affairs, this raised a red flag for me. Wheedling info out of people is known as social engineering by scammers. In any case, I have no debts. How do I complain if this company calls again? Thank you, XXXX XXXX, CA
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

I purchased a {$500.00} variable Vanilla Gift Card at a XXXX convenience store at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2021. Several days later, I realized the card was not activated correctly and had no balance. However, the receipt reflects that the card was activated and approved. I called Vanilla Gift on XX/XX/2021, and they created a case, the number is XXXX. 

They told me it would take 2-3 business days, and then the card would have the XXXX loaded onto it. It is now 10 days since the case creation, and 15 days since I paid XXXX for an empty gift card. 

I have a scan of the receipt attached.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (MI)

National Enterprise Systems has repeatedly called me from a blocked number. I have answered and informed them they are violating federal law by calling from a blocked number and to call me from an unblocked number if they wish to speak with me. They have continued to call me from a number showing up as XXXX  on my phone. They have also called me repeatedly throughout the day to the point in which some may describe as excessive.
Consumer complaint received 2016-09-04
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (FL)

AMEX is reporting XXXX corporate accounts on my consumer credit report. Both have been disputed via all XXXX bureaus and AMEX directly. All consistently take longer than 30 days to respond or send " run-around '' letters claiming that they need more information. More importantly, these accounts were never shown on my consumer credit report for the many years they were in good standing. They appeared only after I lost my business to a fire and became delinquent. This is unfair credit reporting and I request that the accounts to be moved back to the business credit bureau reports and removed from my personal consumer report. This is the very reason why small business owners maintain corporations at great expense. The accounts in question are AMEX account identifier # XXXX for account ending in XXXX, and XXXX for account ending in XXXX.
Consumer complaint received 2015-08-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I paid {$75.00} annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (UT)

on XXXX/XXXX/XXXX ACS did a direct Consolidated Subsized and unsubsized loan replacing our FFEL consolidated loan from XX/XX/XXXX. 30 days later it reverted back, with ACS to a FFEL consolidated loan. We have been paying on this loan for over 10 years now with ACS unware, and assuming it was a direct consolidation loan. We have since applied for Public Service Forgiveness to find that it was only a Direct Loan from XX/XX/XXXX-XX/XX/XXXX ... less than 2 months. We have NO IDEA WHY? We do not qualify for forgiveness or can not use our 120 payments because it was never a Direct Loan consolidation. Know one can seem to explain to us why it reverted back 60 days later. This error, or change will cost us dearly. Please refer to attachments to see our payments and the Consolidation history on our Financial Aid summary and how we this can be remedied. We qualify in every other aspect.
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX/XXXX/2015 Wells Fargo Bank , N.A . assessed a fee of {$10.00} to my account with the title of Currency Fee. I called the Customer Service number for my account and asked about the fee and they could not provide any details other than the fee was assessed by a branch for a cash withdrawal. The terms of my account do not provide for such a fee to be assessed based on what the representative told me. I again questioned what the fee was and how it was calculated and the representative could not answer except postulate the fee was because I had requested " large bills '' or " more than my cash limit ''. I asked to dispute the charge or open up an investigation and the agent refused to do anything and told me I had to talk to the branch. When I asked which branch assessed the fee she could n't tell me and asked me to go to the branch where the money was withdrawn. The money was withdrawn at multiple branches. 

This account has over {$50000.00} in it on most days and is a business account. I should not be charged for withdrawing my own money from my own account. 

WFB has the legal responsibility to have clear terms for their accounts as far as how charges are placed on my account and I believe they are acting in violation of disclosure laws for FDIC insured bank accounts.
Consumer complaint received 2020-06-02
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. (TN)

This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on Trans Union Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING  AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and Trans Union have failed to do either.