davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TN)

This complaint is being submitted in reference to incident XXXX On XX/XX/2022 my employment check entered my account. Which gave me a running balance of XXXX The only amount that came out my account during this week... is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Giving a total of XXXX! At this time I made to XXXX dollars XXXX  tranfer XXXX to XXXX XXXX and another to XXXX. Giving me a new balance of XXXX. My wife took XXXX from my account using a XXXX  XXXX XXXX atm, it cost me a XXXX dollar fee. She also went to XXXX costing XXXX. I got gas from krogers this morning for XXXX. Bring my balance to XXXX This showing the XXXX XXXX dollars XXXX  transfer never reentered my account. If it did my account balance would show XXXX! 

I want my money! 


Someone changed my transaction... 
Because if we add all of the deposit together with the XXXX zelle transfer. Add them back to the account and taken all the transaction amounts away from that running balance. I would have to had to over draft or my balance would only be XXXX. Not XXXX so somewhere someone is getting over. And i just want my money A XXXX deposit which makes the balance XXXX. The XXXX XXXX dollars XXXX  transfer, XXXX autozone deposit, and a mobile deposit for XXXX. Giving me an amount of XXXX. According to the new transaction history. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX making my balance XXXX! Please help me understand how is this so... if I currently have XXXX in my account. 

This second transaction history is someone trying to cover up there tracks for stealing my money. Please look at everything and return my money This same incident happened to me about a month ago and nothing was done to correct my problem. Want this incident fixed as well please. And my money return to my account
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC (ID)

XXXX XXXX from Recovery Solutions Groups LLC. is trying to collect for a debt, which # 1. This company ( RSG ) is not Licensed in Idaho. 
# 2. He has not sent me a copy of this so called bill, even after I informed him of not receiving the bill, which I found out from ( XXXX owner of XXXX XXXXXXXX ) the company had sent bill to wrong address, after having my address for over 25 years. 
# 3. He called at XXXX, a clear violation of collections acts. I have recorded calls. He also called over 25 times in a day and kept calling after I notified him not to call. 
# 4. After filing a dispute with his company, he refused to send me copy of the current bill. 
# 5. after I made payment of {$700.00}. to debtor he still called and sent threatening letter. 
# 6. He ( XXXX ) had a third party call and threaten he was going to trespass on my property in order to take pictures of my private property. 
# 7. The XXXX. also threatened a lien which by law he ca n't do because ; ( A ) past 90 days. 
( B ) work was not performed on my property.
Consumer complaint received 2018-03-19
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 reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX  wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

There are unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report that do n't belong to me. This is my second complaint against Chex Systems in regards to this matter. I filed a police report with the XXXX Police Department in regards to the unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report. I was given a police report case number which is : XXXX.
Consumer complaint received 2022-02-17
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. (TX)

Someone has taken complete control of my identity, I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report.Not sure who has my information or how they got it .I have been calling the credit bureaus explaining this but as of today they have been any help.Please help me take back my life
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (SC)

On XX/XX/XXXX I dispute the following accounts with Equifax ; XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$1400.00} ) and XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX {$170.00} ), attached is the dispute letter I sent them by certified mail. XXXX XXXX XXXX is a fraudulent account that I don't recognize and XXXX XXXX is an account that was closed on XX/XX/XXXX but its reporting late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Equifax have not done anything to remove the XXXX XXXX XXXX account and the errors on the XXXX XXXX account.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

I purchased an American Express Gift Card with a balance of $ XXXX from a XXXX store on XX/XX/XXXX at XXXX XXXX. 

I found an authorized transaction on the card an hour later and immediately called American Express to block the transaction as it was unauthorized. They refused to block it although the transaction was until then in PENDING state. I called them multiple times and spoke to different persons each time and explained to them the theft taking place. Yet none listened to my request to cancel the unauthorized transaction and they only put a hold on my gift card for any future purchases ( although it was being emptied by the unauthorized transaction already ). Because of that I could not even monitor the card online for more information on transaction. 

I called them the following day and then again on XX/XX/XXXX. but they told me that the ( unauthorized ) transaction has already settled and they can do nothing about it. They told me to settle with the merchant, which is ridiculous. How can I settle with the merchant who received my stolen money? Such thefts use clearing houses ( in this case, XXXX XXXX ), which keep the identity of their merchants hidden. The charge appears on the card only as " XXXX XXXX XXXX XXXX  '' and XXXX XXXX then does not provide any info on their customers. 

I am sure I am not the first person to be scammed like this. I can hope to be the last if CFPB can force American Express or XXXX XXXX to refund me my money and punish the criminals of this white collar crime, in which American Express and XXXX XXXX are complicit. 

Thank you very much!
Consumer complaint received 2018-03-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

On Saturday, XX/XX/XXXX I received a bill through my email of a new company who apparently bought my student loan. I did not sign on to their agreements and my account was sold without my knowledge. I am a single parent trying to get ahead. I owe more than I took out. I am back in school doing my best to support my children. I received my emails on Saturday and I am behind a payment now. Apparently I had a bill due already. I set up the online account to try to get help. I did not get any help. I called today and was transferred more than 3 times. Each time I was repeating myself. I was on the phone for over 30 minutes. They offered me deferments on my account for 3 months as long as I pay {$100.00} today. Well if I had the {$100.00} I would pay the account up but I do not. Then the lady decided to remind me I was being recorded. I was told this every few minutes. I reminded her to listen to the records. I never agreed for my account to be sold and now I have to restart again. After I told her I was trying to better my career and in school again, the lady made me feel as if I was lying since the school did not report it. I can't support my kids and pay {$300.00} in student loans. They do not have any options to help me. How can my loan continue to be sold and I have to deal with different interest rates and more debt that I did not take out? I have attached screenshots of the date and time I received notice about my new account.
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on multiple different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

I rented a house for 9 years and after moving out XXXX XXXX management of XXXX XXXX sent me to collections for {$12000.00} stating I was responsible for things that were normal wear and tear ( carpet, paint, flooring ). This was not a judgement on me and I disputed this with XXXX XXXX XXXX, the collection agency PlusFour INC and all XXXX credit bureaus XXXX, XXXX and XXXX twice. All disputes came back as saying the debt belongs to me. It doesn't, I have stated many times that this was normal wear and tear and am not responsible for the upgrading of the house. I can not get this removed from my credit reports and it needs to be removed.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunlight Financial LLC (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2022-07-20
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. (WA)

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX has violated my rights. 
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
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX, XXXX XXXX XXXX  - Inquiry - from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX- Inquiry from XX/XX/XXXX 2020
Consumer complaint received 2018-03-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TN)

On XX/XX/XXXX my husband was contacted by our Property Tax office here in XXXX County, Tennessee. They stated that our property taxes due had not been paid. I contacted our mortgage lender, US BANK, and they stated that the taxes were paid in XX/XX/XXXX and were returned in XX/XX/XXXX as a tax refund. It was not until XX/XX/XXXX that we found this out. According to US BANK, they have a work order on this. 
On XX/XX/XXXX we called our tax office and they stated that the taxes have yet to be paid. I called US BANK, spoke with an XXXX who said that when she spoke with the tax area of the US BANK that the work order is still open, but now has a rush on it. We have 2 parcels and she stated that is the problem. Taxes are paid by a 3rd party and US BANK needs to look into the situation before they can pay the taxes. In XX/XX/XXXX,  when the taxes were paid by the escrow with US BANK. there was no issue. I explained that these taxes are due at the end of the month and I will not incur more expense due to their negligence. Also, because my husband and I do not make alot of money, we were approved for a " rebate '' on our taxes, after they are paid. If they are not paid by the end of the month, we lose that too.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NY)

Dear Sir or Madam : On XX/XX/2021, I notified Calvary Portfolio Services in writing that this debt be Exemption, Due to Hardship. They refused to cooperate or consider, or verify. 
Calvary Portfolio services refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Calvary Portfolio Services under the Dodd-Frank Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WESTSTAR MORTGAGE CORPORATION (OH)

In XX/XX/XXXX I refinanced a home with XXXX XXXX Westar Mortgage XXXX In XXXX I got a notice saying Westar sold my loan to XXXX XXXX XXXX. In XXXX I began making payments to XXXX because that is who I thought the loan was through. In XXXX of XXXX Weststar reached out to me and said that I am two months delinquent on my payments. I did not realize the XXXX payment was supposed to go to Westar instead of XXXX. I informed Westar that I have been paying XXXX and they said it would be my responsibility to recover that payment from them. They stated in writing that I had until XX/XX/XXXX to submit the payment or they would report it on my credit. On XX/XX/XXXX I received a letter that they are reporting my account delinquent, even thought they previously said I had until XX/XX/XXXX. Payment was made to Westar on XX/XX/XXXX. They stated that they would make the correction once payment was received even though it was reported prior to XX/XX/XXXX as they had originally stated. On XX/XX/XXXX Westar was still reporting my account as delinquent. They submitted a second letter stating that they were removing the reporting. I believed this issue to be resolved. On XX/XX/XXXX I began to refinance my personal home. When credit was pulled Westar was still reporting our loan delinquent on my wife 's credit. I contacted them and they stated it was an automated error in their system. They submitted a letter stating it would be removed from her credit report. Today XX/XX/XXXX, 31 days later it is still reporting.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XXXX XXXX charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once inXX/XX/XXXXand once inXX/XX/XXXX. 
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter datedXX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date inXX/XX/XXXX 
I applied for a mortgage loan inXX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed. 
XXXX was contacted via USPS and via CFPB, according to XXXX they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that "XX/XX/XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.
Consumer complaint received 2022-03-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IN)

I was on the title with my wife who passed away in XXXX, they were quick to say that i was accountable for the loan which i made the payments and the loan has been paid off, and they put the tax statement in my name but they've sent XXXX checkes in the estate of XXXX XXXX as i've explained there's not one, but still not gotten my money from the escro the house was paid off on XX/XX/2022 but they wont put the check in my name. seems they are trying to steal my money.