davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
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. (NY)

On XX/XX/XXXX, an unauthorized and/or fraudulent credit hard inquiry was listed by TransUnion as made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. On or about XX/XX/XXXX, I DID NOT apply for any type of credit with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I never received any sort of communication from this creditor ( approval letter and/or denial letter ). This is an unauthorized and/or fraudulent inquiry and therefore this inquiry must be deleted immediately. Every attempt was made directly with this creditor to get this inquiry deleted from their system as well as from the credit bureau. Therefore, TransUnion must now process this complaint INTERNALLY and IMMEDIATELY and then DELETE this unauthorized and fraudulent inquiry IMMEDIATELY.
Consumer complaint received 2021-09-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (CA)

First, Mariner Finance 's website altered my payments when I submitted them online. On XX/XX/XXXX ( XX/XX/XXXX ), I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XX/XX/XXXX. On XX/XX/XXXX ( XXXX ) I submitted a payment intended for XX/XX/XXXX ( XX/XX/XXXX ), but their online system changed it to the current date of XXXX. In neither case did I catch the discrepancy in time, nor could I cancel the payment. In both cases it caused my bank account to be overdrawn, though I did succeed in reversing the payments. Mariner Finance is not allowing me to make online payments, although the fault was with their online system and not with me, and obligating me to mail cashier 's checks or money orders. The most recent issue that prompted the present complaint is that I'm unable to see my balances, payment history, required payments, or billing statements online. Mariner Finance advised me to try their phone application. I tried it and it indicated I supposedly don't have an active loan. Mariner Finance states it doesn't provide paper statements. Therefore, Mariner Finance is in violation and out of compliance to meet its legal requirements to provide me with billing statements.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (AZ)

OnXX/XX/XXXX, my application for Total and Permanent XXXX discharge was approved by the U.S. Department of Education. I am a XXXX veteran with a 100 % rating from the VA with an effective date of XX/XX/XXXX. According to the letter, I received from XXXX " Your loan holder ( s ) will return any payments that were received after your XXXX date to the person who made the payments ( that would be me ). The letter further stated that the discharge of my loans and refund of payments made would be made within 120 days. 

OnXX/XX/XXXX, I received a refund check from Ameican Education Services ( AES ) in the amount of {$5300.00}. This amount is less than my payments. I called AES the beginning of XXXXXX/XX/XXXXrequesting that the total amount of all my payments be sent to me, I was told my refund request would have to be reviewed and it would take 30 days. After 30 days I called again for the status, I was told it is still in review, I contacted AES in XXXX, XXXX, XXXX, XXXX and XXXX, I was told all five times that my refund request is still in review. 

I do n't have the total amount due to me because I only have a partial listing of my payments, I asked AES to send me my payment history from XXXX to XXXX, I was informed that it will take 30 days and that my history will be mailed, that was 60 days ago, and I get the same response of it taking 30 days even though it has been 60. My payment history on AES 's website only shows XXXX to XXXX. 

OnXX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX ( XXXX ) stating all of my student loans have been XXXX. 

Please assist me in obtaining the remaining refund, because I do n't have all my payment history I can not give you a specific dollar amount but based on how much I paid every month for 15 years. Also, will you assist me in obtaining my payment history from XXXX to XXXX. 

Because of my service-connected combat injuries, I am unable to work and I desperately need the remaining refund that was promised to me. Thank you for your assistance. 

XXXX XXXX XXXX Proud to Have Served!
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (FL)

i acted upon my right to dispute innacurate information being shown on my credit report. i never got proof of verification of any of the disputes.they took just verified everything without Proof that's illegal. i want them to removed them XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was sued by Portfolio Recovery and had a scheduled date on Monday, XX/XX/2024 at XXXX. The hearing was schedule via XXXX. Not only was the attorney approximately XXXX minutes upon logging onto to the court hearing, but Upon request for required documentation written on my answer denying the claim prior to court and during the court hearing such as a signed written agreement, disputing the amount owed and a service that I dont remember having. The attorney XXXX XXXX representing Portfolio Recovery and judge stated that once Im being sued they dont have to provide a written agreement. I did not deny the facts of opening an account with XXXX ( XXXX XXXX  ) ; however, I did not agree with the amount owed and was never notified of the debt owed by Portfolio Recovery. The XXXX letter received was a lawsuit from XXXX XXXX. I am going to appeal the decision made with the XXXX XXXX XXXX in XXXX GA because Portfolio Recovery had unsubstantiated debt, attempting to collect on a debt without offering to provide necessary documentation to me within XXXX  days and initiated the debt collection lawsuit without possessing required documentation needed.
Consumer complaint received 2022-09-09
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 sent Bureaus Letter dated XX/XX/XXXX but still incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (PA)

I had an overdue account with XXXX. The debt was sold to a company named EOS CCA who sent me paper mail and the debt was paid. The debt was {$500.00}. The debt was paid in full although I do remember thinking their form of payment was a bit odd as it was basically a cash transaction. On XXXX/XXXX/2017 I received an email from XXXX informing me there was a change in my credit report and as of logging in and looking at it I found it was a very significant drop due to EOS CCA reporting me for collections. I was never contacted by the company in any form. I did research and found that I was one of very many people scammed by this company and it 's fraudulent acts of business.
Consumer complaint received 2021-09-08
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)

When I was reviewing my credit reports on XXXX, Transunion and XXXX I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I got a lump sum payment from XXXX instead of retirement. The intent is to pay off my Mortgage, but my mortgage provider won't give me the paperwork I need in order to initiate the wire transfer. I contacted them at the beginning of XXXX, toward the end of XXXX as well as filling out the payoff form request online. I called them again last week, and they say they sent it. 

I still want to pay off my loan, but it usually takes literally a two-hour wait, on hold- to get a live person on the phone.
Consumer complaint received 2017-11-16
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. (GA)

According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!
Consumer complaint received 2017-11-16
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: EQUIFAX, INC. (GA)

According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

All 3 agencie are letting 3rd party reporting over and over, even though it was deemed not mine several times. I complained after reading it was against the law to have 3rd party collection agencies appear on my report. yet all 3 are letting them report and now wont even discuss the fact they are breaking their own Laws. Now there is something on my credit from a check cashing company which I have not used since 1992 WHY ARE THESE PEOPLE CONTINUALLY BREAKING THE LAWS AND NOT BEING HELD LIABLE??
Consumer complaint received 2021-09-08
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

In XX/XX/XXXX I asked for my credit report and they keep changing the dates on XXXX XXXX  has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. Experian has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
Consumer complaint received 2022-09-09
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc. (WI)

This company calls 4-7 times a day from different numbers. They also withdrew money from my checking account that was unauthorized and I had to dispute with my bank. The debt is mine and I owe it, but I should n't be subject to repeated phone calls and unauthorized drafts.
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TSC Accounts Receivable Solutions (CA)

Medical Company - XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA turned over a debt to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

1. First there are two charges on the bill that I do not recognize and the medical company is illegally billing me services not rendered or administrative fees that I am not responsible for. 

2. The company issued this to a collection agency on the same day as the alleged charges were billed. I never received any form of communication from the Doctors office or any form of bill before they unleashed this debt collector on me. 

3. During the first call from the debt collector I was threatened with my credit being damaged.

4. On the second call I informed the individual that I was requesting proof of the debt and that they needed to cease and desist. 

5. On XX/XX/XXXX I was again called by this company in an effort to settle this debt. They asked for a much lower amount. I again stated that I had requested proof of debt and I was not going to pay anything. I again told the representative that I requested them to cease and desist.
Consumer complaint received 2017-11-16
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: SYNCHRONY FINANCIAL (MN)

My Gap account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with XXXX as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXXwith them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact Gap today XXXX and was transferred to SyncB. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my Gap tradeline that is not reporting as derogatory, it is reporting as unrated currently on XXXX  and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that GAP is providing them. SyncB is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.
Consumer complaint received 2017-11-15
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. (PA)

I have a loan that was on Identity Theft & fraud by XXXX XXXX bank that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them. 

Fraud & Theft on the instrument for the Deed of Trust
Consumer complaint received 2017-11-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (NY)

I leased a car from BMW. It was my third lease in a row. Ive been doing business with them for 9 years with out an issue. When my lease was up, they tried to charge me incorrectly and gave me a big bill at the end. They claimed that I was missing a key. I wasnt. They claimed wear and tear on the tires. The tires were used, but thats because I had the car for 3 years. I told them a couple of months before that they couldnt expect me to buy 4 brand new tires and then give the car back. Thats crazy, and they agreed. I tried speaking with them several times, and there was never a live operator. Now they put me in collections, which is outrageous. Please look into this matter for me. Thank you.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

They told me about the pandemic forbearance option and now we behind 11 months. My family was affected by the pandemic and we lost several family members because of that. Also, My husbands income stopped because of the pandemic. Now, we are back to work and ready to resume payment but out lender SPS refuse to work with us. They denied us for the deferral and the modification option and they want us to pay everything at once. Please, Help us!! is out only home. 

Loan : XXXX Property : XXXX XXXX XXXX XXXX CA XXXX Homeowners : XXXX XXXX & XXXX XXXX
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CO)

On XXXX, I was supposed to have my paycheck direct deposited to my Navy FCU account ( checking ). My online account snapshot stated I had {$0.00} in Checking and {$0.00} in Savings. No other accounts were mentioned. On XX/XX/XXXX, I logged in to my account and it showed my direct deposit scheduled to hit the account. I called Navy Federal 2 ( twice ) times to ensure my funds would be available at midnight on XX/XX/XXXX. Both Representatives I spoke with, stated, " they would be available from XXXX on XX/XX/XXXX ''. When I logged on to my Navy Federal Checking Account at approximately XXXX on XX/XX/XXXX, my account showed I had a balance of {$0.00}. Upon further investigation, my account stated that my ENTIRE direct deposit was transferred to a credit card. I called Navy Federal and they stated I had an unpaid credit card debt and the ENTIRE amount was used for " collection purposes ''. None of this information was given to me and I feel was mislead. I am a single Mom who had bills scheduled to be paid from my Navy Federal Account which is causing hardship on my life and that of my child. I have not had any garnishments from my pay or any Court papers stating that I owed money. I feel like I was fraudulently mislead and lied to by my Credit Union who took my entire paycheck from me from debt I have not been given information about and that was n't apparent on my online account. I have screenshots if needed!!!
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

when making a online payment they require the routing number from either checking or savings, they will not allow any other method when making a payment by phone they charge {$10.00} per payment as a fee per payment. I refuse to give my routing number to anyone for obvious reasons and charging {$10.00} per payment via phone seems steep