davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2020, I submitted a dispute online with Transunion ( TU ) requesting to have my account with the Texas Attorney General Office investigated for errors. On XX/XX/2020, I checked my update credit report to see if errors were corrected. Unfortunately, errors still remained on my credit report for this account. That same day, I sent a request via certified letter to TU advising that my account with the Attorney General still contained errors on my credit report and I would like to have them corrected. TU received and signed for the letter on XX/XX/2020. As of XX/XX/2020, I have not received a response to my request from TU. From indications, it appears that my request was ignored.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2015-07-23
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I have a loan with Navy Federal Credit Union that was already charged-off 5 years ago. Yesterday, I have to borrow money from my brother as I am going through financial rough times, but he deposited the money to my savings account with Navy Federal Credit Union since he has an account with the same bank. The NFCU then transfer the funds to the loan that was charged-off 5 years ago and I am left with XXXX balance.
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AmerAssist A/R Solutions, Inc. (CO)

I was sent a bill for XXXX with zero explanation. I had not been provided service for a YEAR from this location. When I contacted them, they said it was for a denied service from my secondary insurance. I asked for verification of the service, the denial and all information proving I owed the debt. Instead, they sent me to collections. They did not verify the debt, they continued to attempt to collect on a debt not verified. 
I have made numerous attempts to collect the information to verify the debt, including contacting their XXXX party business management office in California. I have called them repeatedly as well.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I was able to identify two transactions on my credit card that were not made by me. The dates and amounts of the transactions were XX/XX/XXXX for {$200.00} and XX/XX/XXXX for {$800.00}. Both transactions were with the same merchant XXXX XXXX. 

On XX/XX/XXXX I opened a dispute for these transactions and Chase had my old card # closed and sent me a replacement card. I was told that an investigation would occur. Over a month passed and I heard nothing about the investigation, and my account was never credited back for these fraudulent charges. 

On XX/XX/XXXX I contacted Chase after looking at my account and noticing that I was re-billed for the fraudulent charges and they had been posted to my account on XX/XX/XXXX. I asked if I could be told why I was re-billed and I was told the team that answers for fraud investigations is currently closed for calls due to COVID-19 but they will reach out to me to discuss. I was provided the phone number for their fraud investigation team. I called and was prompted with an automated message stating I can send my updates for the fraud investigation to a specific email that needs contain my account number. I don't feel comfortable sending my account number over email since that medium of transmission is not encrypted and I do not know who has access to the mailbox. This solution is not an acceptable method for disseminating sensitive information. 

On XX/XX/XXXX I reached out to the vendor and confirmed that he no longer uses the XXXX XXXX for his credit card transactions and that the last time I received services from him was on XX/XX/XXXX and was charged on that date. There would have been no additional charges in the year of XXXX. 

On XX/XX/XXXX I received a letter in the mail dated for XX/XX/XXXX stating that the review of the unauthorized transactions was completed and that I was responsible for the following transactions because I received benefit from these transactions. I contacted Chase once again and I was once again told that the team that I need to reach out to regarding these disputes is still out. 

As of XX/XX/XXXX it's been 44 days and I have yet to hear anything from Chase and I can not even appeal the decision on these unauthorized transactions. To be 100 % clear, I did not authorize either of these transactions.
Consumer complaint received 2020-08-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a loan with CAPITAL ONE and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-03-02
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. (TN)

I have sent several letters and called all 3 bureaus about these inquiries listed on my credit report. I was told over the phone they would be removed but at this time it is still reporting. I believe my information was compromised in 2 credit breaches and I have not received a response from the credit bureaus regarding this matter
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FBC MORTGAGE, LLC (FL)

In the summer of 2015 XXXX XXXX XXXX of FCB Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX verbally approved a mortgage for my family to purchase a newly constructed XXXX XXXX in XXXX XXXX. While in the presence of the XXXX sales team he advised us we were good and asked us to provide a deposit of {$19000.00}, in which we did. During the ensuing XXXX8 months when the house was being built we were called by XXXX inviting us to visit the house when it was near completion. XXXX gave us an access code for entry and invited us to a XXXX XXXX meeting for new residents. We completed their final walk through with XXXX and was provided with a final XXXX to close the loan. When we began the process of wiring the closing costs through the title company, FCB Mortgage called to say the loan could n't close. Suddenly on the day of closing, FCB changes programs and requires additional insurmountable conditions. Now we are being told we can not get our deposit back. 
XXXX XXXX was aware of the approval as they contacted us with closing dates.
Consumer complaint received 2018-07-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC (GA)

I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K.  After graduation I was struggling to make ends meet with no job and a new XXXX. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX  performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.
Consumer complaint received 2018-07-02
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. (FL)

My report shows a Derogatory credit from a company I never hired or authorized to perform services. I never signed or agreed to make payment. 

I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider.
Consumer complaint received 2020-07-21
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. (IL)

I had an issue with XXXX which fraudulently set up a loan to pay for termite extermination. Had gone through the XXXX where finally the representative from XXXX stated that the debt was forgiven because the contract for the loan was not signed by the XXXX representative and myself. Experian will not remove this from my credit report but simply states that the loan was paid off but there are two late payment registered against my credit. I have submitted the XXXX report but experian still wants to reflect that I took out the loan that i did not pay the loan for two months and that I paid off the loan. I did not have a loan i did not receive any service from XXXX and I believe that this was a fraud from the beginning whereas the local XXXX in XXXX IL was trying to take advantage of a senior citizen
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On or about XX/XX/XXXXvia email I was offered a 3.2 % 7/1ARM on a 30 year XXXX loan, not believing it I asked for email verification that that was the correct rate, XXXX XXXX of Huntington bank assured me it was. At that point I ok 'd her to pull my credit report and move forward with the loan. After she told me that actually she had made a mistake and the rate was really 3.9 %. She then promised to remove the credit pull from my record ( all in email ). Having harmed my credit the next place I had pull my credit gave me a less desirable mortgage where her intentional and willfull bait and switch could and did do serious damage to my financial future. I also have no evidence that this is n't a common occurrence at Huntington or with this terrible loan officer in particular and would like it further investigated.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OR)

Can not verify payment was received & applied. 

Caliber Home Loans closed access to their payment portal from XX/XX/XXXX to XX/XX/XXXX for maintenance. As my payment was due XXXX, I set up an ACH transfer early ; i.e. for XX/XX/XXXX. It is now XXXX & it site is still not working & I have not received any confirmation of payment. I can log into the site, but it requires me to " Link my loan ''. When I enter the required information it just keeps prompting for the info I just entered.

Calling Customer Support involves a labyrinth of automated menus before finally being told to wait for the next representative. After 20 minutes of listing to " Your call is important to us, please stay on the line '' every 15 seconds .... a form of torture, designed to make people hang up, I did.

Caliber is totally neglecting it Consumer Report responsibilities. 

Thank you
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was a victim of Transunions inquiry issue and they are refusing to remove the inquires they removed and replaced back onto my report. By law I was supposed to receive a 5 day writ and that never happened. 

Below are the inaccurate inquires : 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 2020-08-22
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: TD BANK US HOLDING COMPANY (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (CA)

I attended an outpatient program called XXXX.Most XXXX hospitals don't charge you for money they can't collect from medicare.I 'm being billed because medicare wouldn't pay the full {$9200.00} this hospital billed them.I 'm on the hook for {$580.00} an amount medical wouldn't pay because I wasn't entitled to medical.This debt was incurred on XX/XX/XXXX2014.I was not told in advance I might owe a co-payment or be liable for any amount my insurance wouldn't cover.If I had been told in advance I might owe these people money I would not have attended their program.I also took steps to fill out paperwork indicating hardship originally in 2014.I was discharged from the outpatient program in 2014 over this.This isn't fair I had been convinced by the director of the program I wasn't going to have any liability because of the hardship paperwork that was submitted.
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2015 I traveled to California. I noticed early Sunday morning ( XX/XX/XXXX ) that many fraudulent charges were made to my account. I tried to immediately notify Bank of America. They were closed so I had to wait a few hours until their fraud department opened. Once I reached them, the agent indicated that I had to wait for all of the pending and incoming transactions to actually clear before they could help me. So once they cleared, I had to call back again and get their assistance. 
It took a few days, but Bof A returned my money. I thought it was resolved. 

On XX/XX/XXXX, Bof A began taking my money out again. I called and after speaking with XXXX agents I was told that my claim was denied. I was told that BofA had written proof from each merchant that I made the purchases. The " proof '' indicated was my full address. 

Many of the charges are obvious - large sums of cash, the purchase of XXXX cell phones from different companies ( neither my current provider ), and multiple calls to a correctional facility. There was also an initial charge to XXXX a company that can pull all of my vital information ( address, birthday, email address, phone number ) which happen to be the items Bank of America claims they verified with the individual merchants ; this is the basis of their denial of my claim. 

I started contacting each merchant. Based on the limited information from my bank statement, the same limited information that Bank of America has, they can not find any evidence of the transactions ; which refutes Bank of America 's claim that they were able to prove that I made these purchases. If I ca n't get to who used my card and my own information, then how can Bank of America deny my claim based on that supposed information? 

I have now spoken with XXXX agents regarding this incident and have yet to be returned my {$1800.00}.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (VA)

In XX/XX/2020 I suddenly got a collections notification for around {$400.00} from some company named Receivables Management Systems. I looked online for the company as I had no idea about this charge being out there. Website : XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX, VA XXXX. Phone number : XXXX. I first tried to call in XXXX of that year after still not knowing where it came from. I would call with no answer for a couple months and then just a cracking line and someone yelling hello on the other end. When I finally spoke with someone they stated it was from a trip to XXXX XXXX. I called XXXX XXXX to get more information regarding this claim. They did inform me it was a charge for my daughter nearly a year and a half prior ( We have lived in the same location this whole time ). I then tried to get ahold of Receivables Management to rectify the situation. The woman kept repeating " Are you paying in full today? '' No matter what I asked. In the end we both were screaming into our phones. I then called XXXX XXXX to see if they could help but they're financial department could do nothing now it was with the collection agency. I have verification my daughter was covered by XXXX at the time. I have never seen a letter in the mail from these people. They don't even call. It just appeared on my report and will not go away. I highly recommend at least transferring my debt to another company I can actually speak with. If it were my bill and I knew about it long ago I would have just paid.