davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-06-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (TX)

On XXXX XXXX, 2016 I became aware of delinquencies on my account by BMW Financial Services because of an entry onto my credit report. I contacted the creditor and asked why I was not notified. I had continually checked on account and it would show all payment were being made and was current. I was told that there was an error on the account number, my name was incorrectly printed on contract and the payments were not being processed. I promptly made all payments current with with assurance from the Financial manager that any negative information sent to credit reporting agencies would be removed. Now the company refuses to honor the agreement and have damaged my credit severely.
Consumer complaint received 2021-10-07
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. (NC)

My identity was stolen and compromised. I have not been checking my credit report in a long time but was apalled to see how many fraudulent accounts I had opened in my name. I called each of the consumer reporting agencies and consulted with my legal team and was told to file an FTC identity theft report which is attached below. 

I also have multiple addresses and employers on my report that I have never been associated with. This information is very damaging to me so please remove all of the following negative information attached down below.
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Phoenix Financial Services LLC (TX)

Out of the blue one afternoon I was working and i received a call from a Number asking if i was XXXX XXXX XXXX and they spelled my name wrong i spell my XXXX with a XXXX not a XXXX and they gave me my social security number and I told them that was not me, and confirming my address and I said to stop calling that they have wrong person.. They kept calling early mornings and late night when Iam at work and I kept saying they had wrong number and they said are you sure youre not XXXX XXXX XXXX and said that my credit score was going to deflate and to make sure i check it XXXX it .... Very horrible calls and Iam scared to even pick up numbers i dont know..
Consumer complaint received 2024-01-28
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: Experian Information Solutions Inc. (GA)

-Remove fraudulent Inquiries from Credit Report XXXXXXXX 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 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
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CT)

Tried to open a checking account with Wells Fargo and was told during the process that the account could not be opened. At first, I was told that there was a problem with my credit. I went and checked my credit report and there is no problem. I called the bank and was told it has something to do with my relationship with Wells Fargo, but no one can tell my what the issue. All thatmy husband and I have with Wells Fargo is a mortgage ; which I am in good standing. I was told on XX/XX/XXXX that there would be a resolution in 10 days. It is now 19 days and the case manager can only tell me that there a letter is being mailed to me but he doesn't know what is states. I called the customer service department and explained the issue again and still was unable to get an answer ... .1 ) I have good credit 2 ) I have a mortgage with Wells Fargo in good standing 3 ) I am not asking for a  loan ; all I want to do is open a checking account.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TX)

CBSA  has been trying to collect {$4200.00} for   XXXX   XXXX   XXXX   this item does not belong to me. I do not have a bonded signed contract with  CBSA  I am not liable for collection of this debt   XXXX   XXXX   XXXX  . I am not responsible for this debt. Please provide valid evidence of signed contract between  CBSA  and my self to validate account.
Consumer complaint received 2017-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I have been trying t o work with FedLoan Servicing for over a year to get my payments credited toward Public Service Loan Forgiveness. I  have certified my employment multiple times and have asked for information  as to when my qualifying payments will be credited. Each time I am advised it will take another 30-90  days. I have been making qualifying payments on certified eligible employment since  XXXX   2015 . I am very concerned about how the new admin will ha ndle PSLF an d would like to see my payments credited appropriately.  <P/> I have called multiple times and emailed multiple times. Each time I have been assured that my payments qualify, but that it just takes time to be credited.
Consumer complaint received 2016-03-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (OH)

Over a period of several years, I have made many purchases at an office supply retailer, mostly paying for them with a credit card. On XXXX XXXX, 2016 I made a purchase, costing a little more than {$150.00}, using a personal check. To my great surprise the cashier advised me that my check was " denied '' and gave me no explanation. There was plenty more in my checking account to cover the cost and I have never written a bad check. I used a credit card and the transaction went through without a problem. The next day, out of great concern for why my check was denied, I returned to the retailer and spoke to the assistant manager. He was very professional and immediately offered to look into it. He made a phone call, asked me a number of questions and I answered them. He was advised that my check was " referred, '' not " denied, and was advised to tell me to call an XXXX number to learn why my check was " referred. '' Anxious to learn about my " problem, '' I returned home and called the number. The company was TeleCheck, unfortunately, a recorded voice answered and proceeded to ask me a number of personal questions, including the dollar amount of my purchase, date of the purchase, and entire line of data at the bottom of my check. After repeating this process at least three times, I was told that someone would be with me in a moment. Following about 10 minutes of silence, I got a busy signal and I hung up. I re-dialed, and went through the process again. The voice finally advised with words I believe were : " ... ( a few short words I do not recall followed by : ) sorry for the inconvenience. '' and disconnected. I had no opportunity to speak to a human being and was left wondering about my checking account, my credit rating, etc. I then XXXX " TeleCheck '' and learned from numerous, written, customer " complaints '' that they are a fraud. I made copies to pass on to the retailer and my banker, both of whom thanked me for the information. My big concern is that I have not been told why my check was " declined, '' initially, and then was " referred. '' Another big concern has to do with the company, TeleCheck. This is a company that has been in the security business a long time and is now regarded by many innocent customers as being a fraud. From what has happened to me ... providing the recorded voice with some very personal information about me and my checking account ... I am extremely suspect as to TeleCheck 's intentions. I can not help but believe that this is an attempt by TeleCheck to steal my identity information and make it available to others at a profit to themselves. After a long history of customer abuse, I do not understand why this company is allowed to continue doing business! I trust that you will look into this matter as soon as possible and will get back to me regarding the next step in this complaint by me. Thank you very much.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (GA)

This debt collector XXXX XXXX XXXX, XXXX keep harassing me by telephone every other day by having different people to call me about a XXXX bill that was not settled back in XX/XX/2012. I inform the creditor then that I was not responsible for them given an authorization regarding this account to another person, therefore I could not afford to pay the debt then or now. I am XXXX years old XXXX on a fixed income. I barely can pay my rent, buy my meds and food with what I have in income. I could not possibly give them over a thousand dollars not ever. But these different people from XXXX keep calling asking personal questions, refuse to stop calling me after I tell them not too! It is harassment ; disrespectful and it upsets me with my current medical condition. I have ask them to stop and have blocked their number, but somehow they keep calling and even have tried to send me mail. I will not respond to their threats and offers of solutions because I can not afford to pay for someone else 's mistake on this very old account with XXXX.
Consumer complaint received 2016-03-25
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (OK)

Hi, I did sent mony from XXXX to XXXX {$1200.00} but the system exchange it to current currency and I called customer care to cancel the order and I got approved for that. Four days later I called back WU and they said it is not canceled and we give you points for next transfer. The problem is that the receiver can not get that money because it is not in Dollar. I want you return the money back or make it Dollars. I have called many times and these are the reference numbers XXXX - XXXX. They said the receiver must reject the money first. The problem is that the reciver is not even know where it is. The bank and WU in XXXX says no money come yet. Now, I need a solution or I am going to sue you next week because of difficulties in my business. I do n't respect that happened to me in my first time I use WU. please cancel the order as I requested before on time and return the money back so I can find a better way to transfer or make change to the money to be received on Dollars. Again, receiver can not find it. 
XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (OH)

I applied for a Discover prepaid card and was approved on XX/XX/XXXX. They withdrewthe deposit on XX/XX/XXXX and opened the account on XX/XX/XXXX. After approval and before even receiving the card they asked for more information on the XXXX. This ended up including a tax form plus a notary form. They said it was for identity verification but did not explain that it included 3 months of my personal account balances. I received the card on XX/XX/XXXX and assumed the tax form was enough. When I tried to use the card I found out it had a soft hold on it. At this point I felt deceived and misled and once I saw the form and what it asked for, I refused to submit back balances to have a non-working prepaid credit card. During the whole process I was switched to different people, none of whom could provide answers or anyone who could. Discover planned to close the account on XX/XX/XXXX but forced me to close the account in order to speak to a higher representative. I said I just wanted the account closed so I could get back my deposit. They closed the account " at my request '' knowing this would prevent any further action from me about the account. When I contacted the XXXX  Discover reached out and sent the refund, but also said they would look into the issue of how this whole ordeal damaged my credit. They've never addressed this issue. They've never contacted me as promised, and when I contact them I get the usual spin. They only damaged me, they never even gave me a card I could use once, but kept my money for almost 2 months, earning the interest I could have earned. I have only been damaged by this situation.
Consumer complaint received 2018-03-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZARVAD III S.A. (CA)

The company XXXX XXXX called my phone at all hours from different numbers and did not leave a message for me. They then called my boyfriend and his father to find me. I called them back and they stated they will be taking me to court for fraud if I dont pay back the debt owed, {$860.00}. They said I could pay it back in two payments but only from a debit card. I did not receive a loan for anywhere near that amount ( original loan was {$250.00} ). When I contacted mypaydayloan they said my account was given to another company. That company did not match the company who has been calling me.
Consumer complaint received 2022-09-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

Mathematica  lly, the best way to reduce the amount of interest I pay on my portfolio of loans is by paying the minimum balances on the lowest interest loans and allocating the rest of my payment to the highest interest loan. This is known as the " avalanche '' repayment method.
If you submit a monthly payment to Navient online that is larger than the minimum payment, Navient simply allocates the surplus evenly across the portfolio of loans. Anyone who understands the compounding interest formula will know that is the best way for Navient to maximize the amount of interest it collects from its users.
<P/>
Navient does not current  ly allow its users to utilize the avalanche repayment method through its online interface. The only way to do this is by physically mailing them a monthly check with handwritten instructions for payment allocations. In  XXXX , this is a pure evil.  <P/> I reached out to  Navient  about this in the fall of  XXXX , but they did not take my feedback seriously as the functionality is still not there for avalanche repayments online.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have tried to get XXXX assistance with SLS servicing for 7 years. They lost my paper work for 7 years. when they finally came to a conclusion and agreed to give me a loan modification I was un able to afford it. I found a real estate agent and listed my property. 
SLS is refusing to give me ample time to sell it. Short sales take a while but not 7 years like SLS took. I want to get me sale date postponed and they refuse. We have a ready and willing buyer but needs a little more time to get the loan approved by fannie mae. it is a improvement loan and buyer need to add husband so the loan has to go back to underwriting. we asked for 30 day extension and they flat out refused. saying the investor has n't been paid for 7 years but that 's not my fault they are the ones that strung it out. 
SLS was so forceful in foreclosing my homer last year I had to file many complaints. like this XXXX. They are unfair and not abiding by the rules.
Consumer complaint received 2018-03-22
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. (FL)

From XX/XX/XXXX to XX/XX/XXXX XXXX tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to XXXX and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.
Consumer complaint received 2018-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

From XX/XX/XXXX to XX/XX/XXXX XXXX tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to XXXX and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (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.