davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (CA)

n 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. 

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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The balance on this account is false and should be removed entirely. The creditor owed a credit to me the consumer for payment they received. Instead of apply the credit to any outstanding balance owed. The creditor kept the credit and falsely charged me, the consumer, with an incorrect charge to my credit report.
Consumer complaint received 2016-03-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have explained to the Company that I did not open this Credit Card and was not mine. Explained to them that I had contractors, construction workers at my home at the time, but could give any names, as I am not for sure who opened this account.
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (FL)

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX XXXX  XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX Mortgage Loan Originator NMLS # XXXX XXXX XXXX XXXX XXXX  ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " Hello '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via creditkarma. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with credit union ( s ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank you.
Consumer complaint received 2015-08-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CT)

Grenn TRee LLC Has been charging me for home owners insurance since XXXX of 2015 with uot my knowladge or concent. They also made a payment to my own homeowners policy XXXX with out my knowladge or consent. They then shorted my escrow account for the month of XXXX and are now asking me to pay for it. For some unknown reason for the month of XXXX 2015 my mortgage payment went from {$1400.00} to only {$840.00}. I called them XXXX and asked why and no one could give me a clear answer only sumizing it was for the insurance charnges. Now they are asking me to pay for a {$530.00} escrow shortage? Can you please investigate these discrepencies? Thank you.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MO)

I received a notification from XXXX XXXX about an account being delinquent. The account was noted as opened XX/XX/2020 with a balance of {$99.00}. I am not familiar with this account. The account was listed as a Barclays Delaware account. I tried contacting them at XXXX and was on hold for an hour and 42 minutes before the call terminated. I also visited their " Contact Us '' page and followed the suggestion to message their XXXX  account XXXX XXXX and also did not receive a response. I am unable to resolve this with the company and that is why I am filing a complaint.
Consumer complaint received 2016-03-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MA)

I am very fustrating with Caliber home loans they are not given me the most important imformations about my property i am living in i have a child my wife we are going true a lot please help me i do n't have place to go i need time i meed they dend me the papers for modification they say they sent to me but i have n't resive nothing please help me
Consumer complaint received 2022-02-07
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)

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX Mortgage Loan Originator XXXX # XXXX XXXX XXXX XXXX XXXX ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " Hello '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via XXXX. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with credit union ( s ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank you.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

On my credit report on both the XXXX XXXX XXXX XXXX XXXX, it is being reported that I have 2 accounts open with BJs club, one for the amount of {$7700.00} and another for the amount of {$7500.00}. This information is incorrect as I only have one account open with BJs with a current statement balance of {$7400.00} as of XX/XX/26 but its being reported as 2 total accounts.
Consumer complaint received 2024-05-11
Product: Credit 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: Avant Holding Company, Inc. (FL)

On XXXX l went to pay my balance of {$78.00} on their mobile app as l always do. Their system said something went wrong please try again so I did. They ended up getting XXXX payments which posted a couple of days later. I asked for a refund for the overpayment. They issued me a refund with a check. That should have solved the problem! But after that they AGAIN charged me {$78.00} when I had ALREADY paid them on XXXX. They took back the refund they gave me and I was forced to pay it because they didn't fix my account even AFTER I reached out to them MANY times. They put the due date of XX/XX/XXXX on the new bill. I DON'T owe them this. I paid them a total of {$150.00} on XXXX and I asked for the second payment to be refunded. The difference that they kept was my payment of {$78.00} which I paid on XXXX. Also they deleted on their history XXXX of the payments that posted. I have picture of the bank statements that show the XXXX posted payments and of the posted payments that posted on my Avant account on their website! So they made it look like l only paid ONCE and by putting they refunded me it makes it seem like they refunded me the payment I ALREADY made. That's why they are charging me AGAIN. They did this in purpose. I don't owe them anything yet they keep saying l do. I was forced to pay it again today because I am not going to allow them to ruin my credit. This is how they take advantage of their clients!! If I paid them XXXX and they refunded me XXXX then I should not have had to get charged AGAIN. They took back the refund they sent me for the overpayment or second payment of {$78.00}. In the end NOTHING was fixed and they are getting away with this. Again, l had a balance of {$78.00} and I paid it on XXXX. Their system said something went wrong please try again so I did. Due to this l ended up paying them XXXX. They got a total of {$150.00} from me. I asked for a refund for the XXXX payment. I got a check in XXXX for {$78.00}. {$150.00} minus $ XXXX {$78.00}. This difference is the payment I made on XXXX. THAT should have resolved my account!! But because I complained they AGAIN charged me {$78.00} and said it's due on XXXX even after I asked them to fix it! How is this fair?
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

The American Express Platinum card purports to offer a {$100.00} statement credit once every 4 years against any charges for the XXXX XXXX application fee. Terms available here : https : //www.americanexpress.com/en-us/benefits/travel/expedite-your-travel/ However, in its terms, Amex states that customers must allow up to 8 weeks for the credit to post and that o be eligible for this benefit, the card account ( s ) must be active through the time of statement credit fulfillment. 

This means Amex can force a customer into another payment of membership fees for charges made while a card was open and good standing as happened with me. If the statement credit has not posted by the time the next membership fee comes due, the customer must either pay for another year to keep the card open, or give up the credit charged at a time when the card was open and in good standing. Does not seem customer friendly to me- in fact seems directly intended to deny customers benefits earned in the past unless another annual fee is paid. 

On XX/XX/2022, I paid the fee for my XXXX XXXX using my Amex Platinum card. The charge posted and was not pending on XX/XX/2022. On XX/XX/2022, I decided to cancel my Amex Platinum card because Amex has increased the fee to {$690.00} - more than I am willing to pay. I have, however, paid historically paid the fee for the card for at least two or three years. Nonetheless, Amex intends to deny me a statement credit because my card will not be open at the time they post the statement credit - which they can delay for as long as they want. This is unacceptable. They would have no problem posting pending charges to my account after it is closed, It seems to me, I should also be entitled to statement credits for for benefits that were available to me while the card was open.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

I ordered XXXX internet service, but was unhappy with the service. I canceled it within the first month. XXXX had assured me that in this case, there would be no charge for the service. After canceling, XXXX representatives repeatedly told me that there would be no balance due on the account. In XX/XX/XXXX and XX/XX/2017, received a threatening call and a letter from Diversified Consultants , Inc. attempting to collect this {$100.00} charge. I first confirmed with XXXX that this debt is not valid. On XX/XX/2017, I spoke with " XXXX '' a " billing expert '' who told me that the account would be moved to a XXXX balance and I would not hear from the debt collectors again. I responded in writing to DCI 's letter on XX/XX/2017. Today, I learned that DCI has made a negative credit report against me relating to this.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It appears I do not exist in the TransUnion credit reporting system, I do not have a TransUnion score, I do not have a TransUnion report, and I can not access any information from TransUnion via annualcreditreport.com, nor can I access any information from TransUnion itself.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

The company ignores all requests and simply sends me a letter stating all inquiries are factual. They are factually without my permission or consent and do not fall within any of the listed reasons that someone could pull my report as listed in the fcra Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX BANK XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX : XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 

all fraudulent Revolving Account Number : XXXX FRAUD
Consumer complaint received 2024-05-11
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc. (PA)

I purchased a membership with TomoBoost Credit on XX/XX/year>. It advertised itself as a credit card and credit booster. What it doesn't tell you is that they no longer give credit cards out and lie to the credit bureaus about your credit limit and payments. They are refusing to give me a refund. They lied about giving me a credit card they lied about the credit limit. My bank can't be hooked up to the website because it's not supported they also don't state that not all banks are accepted. The website is a scam and very dishonest. They offer no support and only respond with bots
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I am XXXX years old, retired from XXXX after 42 years. My wife and I XXXX for 42 and 39 years, respectively. I COSIGNED FOR MY DAUGHTERS FOR HER FIRST YEAR AT XXXX UNIVERSITY ONLY. Since XX/XX/2001, I have paid back over XXXX dollars with indication that the school received ANY payment. I dutifully paid overXXXXXXXX a month since that time, and received no notification of payment from the college or XXXX/Navient, only harrassing calls and threats. I feel I have been scammed by the school as well as this lender. My wife and I paid for our education loans, why should I have to continue to pay for a FIRST YEAR LOAN ONLY!!!!!
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

# XXXX XXXX XXXX XXXX. - dispute claim and asked for a signature to prove it was mine -nothing # XXXX XXXX Bank Credit card - called & said card was used in XXXX XXXX I was never in XXXX at that time and cards had been destroyed 2 years Prior?
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (LA)

I am filing this complaint because Equifax , has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verfiy these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd (MI)

The company is holding my funds against my will which is immoral and illegal i have over {$2900.00} in my balance and they refuse to let me get my funds out. Its been over 2 months owithut the money my email is XXXX The routing number and account number that i had linked to the account is no longer in use so i would have to provide a new routing and account number in order to withdrawl my funds.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CO)

XXXXXXXX XXXX customer XXXX XXXXXXXX XXXX issued a check to us for goods. The {$4400.00} check was dated XXXX and supposedly cashed at a Chase bank on XXXX. The customer provided me with a copy of the front and back of the check that cleared their account on XXXX. I have provided XXXXXXXX XXXX with sworn notarized affidavits over a month ago that I did not cash this check. I went to Chase because I have an account there but they were no help. Neither Chase nor XXXX can seem to find where our money went and refuse to reissue a check to us. I have spoken to state of Colorado agencies and they tell me that because it was cashed at Chase, XXXXXXXX XXXX  can not do anything.
Consumer complaint received 2023-03-16
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: ENCORE CAPITAL GROUP INC. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTIGN ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 USC SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUTIONS.

15 USC 166B : A CREDITOT MAY NOT TREAT A PAYMENT ON A CREIT CARD ACCOUNT UNDER AN OPEN END CONSUMER PLAN AS LATE FOR PURPOSE.