davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
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. (PA)

On XX/XX/2015 a balance of {$0.00} from XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the the credit bureaus and the creditors to provide the credit bureaus a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (IL)

I opened a XXXX XXXX credit card around XX/XX/XXXX and immediately purchased several items on it. I had issues paying the bill online, so on XX/XX/XXXX I went to a store, returned one item that didn't fit correctly and asked for an exact amount to pay off the card completely. The clerk printed a balance statement that showed I owed {$360.00}. The return refunded {$65.00} to my account. The employee and I agreed on the remaining balance and I paid {$290.00}. At this time I thought everything was paid and up to date, that my card had a zero balance. Later, I still received additional bills in the mail. I called to inquire and the person on the phone apologized and told me it was a mistake and that any remaining balanced would be removed. They verbally confirmed my account balance was now at zero. After this I still received a bill. I called again in XX/XX/XXXX and this time the person argued with me for a lengthy time and said I still had a balance. Even though I disagreed with this, I asked how much to completely pay off the card and be done. I was told {$26.00}, so even though I didn't agree, I decided to pay that amount to be done with the card. However, I am still receiving bills today.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been longer than 30 days, and I haven't received any investigation results.
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : ( XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2018-02-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I have been trying to get my loans removed since Ive heard about the XXXX situation not only have Ive been harassed numerous times about the loans but they promised me a job in the medical field and majority of the health facilities I attempted did not take XXXX interns ... its been 8 years and on my credit I have an outstanding balance for student loans thats the only thing hurting my credit score and stopping me from purchasing a home.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Im writing this evening about an account that was removed by XXXX but XXXX is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from Experian as well. I also have a hard inquiry on my XXXX credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. XXXX is putting the wrong city on my credit report my city is not XXXX XXXX its XXXX please correct this as well.
Consumer complaint received 2021-12-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

There is a XXXX XXXX account on my credit profile for XXXX and Equifax for a secured loan I never took out that is paid in full. I have submitted Identity theft reports to Equifax and XXXX both respectively but they fail to respond back to me with results of the investigation and have this account that doesn't belong to me still on my report. It is hurting my credit report because there is a XXXX day past due for XXXX  XXXX payment but this is not my account and this is paid in full. I need XXXX XXXX with the Account # XXXX to be removed off my report
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Hurricane Florence victim..My insurance check was issued in XXXX to XXXX XXXX, who sold my mortgage to Penny Mac in XX/XX/XXXX..now Penny Mac will not give me my money to fix my home, which is over 60 % repaired with my own savings..Penny Mac has come up with several different excuses not to give me my money, first couldn't find check, then I need a licenced contractor to do my work, which is not required under 30,000 in NC. Then they told me I needed and inspection, which was lost and had to come back and do again. They came again which took another two weeks said my home was 60 % done.. So clearly i'm not going to take the money and run, but it seems they are making tons off of event 's money..so I've decided regrettably not to pay them anymore mortgage payments which I informed them of this, which I have never missed..they should be fined or imprisoned..
Consumer complaint received 2018-02-19
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. (PA)

On XX/XX//2015 a balance of {$9900.00} from XXXX XXXX XXXX XXXX. appeared on my transunion credit report.I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the credit bureaus and creditors to provide the credit bureau a co [ y of the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (VA)

Company involved : WELLS FARGO BANK on XX/XX/XXXX I deposited a {$2800.00} check using the bank application " Mobile deposit ''. It usually takes the following business day for cashing the check. On XX/XX/XXXX I received an electronic communication from Wells Fargo that they will hold the check until XX/XX/2023, and the Hold Reason was " Signature On Check Was Irregular ''. I called to Wells Fargo Costumer Service and the agent to talked to me said that they couldn't get the money from the issuing bank because the Signature on check was wrong and Wells Fargo will try to get the money from the other bank again on XX/XX/XXXX and then they will deposit to me on the following business day, it means, XX/XX/XXXX. 
After that I decided to call the person who give me the check and we both headed to his bank to cancel that check and he would pay me with another one. We get in shock when the agent looked up his account and showed us that the Signature was right and Actually, Wells Fargo had already cashed the check on XX/XX/XXXX!!! I have proof of that! 
So THEY LIED SAYING TO ME 1 ) THE HOLD REASON WAS FOR AN IRREGULAR SIGNATURE ON CHECK ( LIE ) 2 ) THEY WILL TRY TO GET THE MONEY ON XX/XX/XXXX AND WILL DEPOSIT THE MONEY THE FOLLOWING DAY ( IT WAS LIE TOO ) I decided to call Costumers Service again and the agent was rude to me, saying I was lying, that I have to wait because that's the bank policies. 
I think they lie to clients like me to keep the money on hold without any reason
Consumer complaint received 2021-12-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

There is a XXXX XXXX  account on my credit profile for Experian and XXXX for a secured loan I never took out that is paid in full. I have submitted Identity theft reports to XXXX and Experian both respectively but they fail to respond back to me with results of the investigation and have this account that doesn't belong to me still on my report. It is hurting my credit report because there is a XXXX day past due for XXXX XXXX payment but this is not my account and this is paid in full. I need XXXX XXXX with the Account # XXXX to be removed off my report
Consumer complaint received 2023-03-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In 2011 I bought a house. And I have a down payment and paid closing costs. But I did want to know why so much money. And if it even went into the principal as it was stated it would. Now I find out that Wells Fargo has done illegal activity and within the scope falls mortgages. I want someone to look into this and see if they processed my mortgage correctly and didnt over charge me.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Im writing this evening about an account that was removed by Equifax but Equifax is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from XXXX as well. I also have a hard inquiry on my Equifax credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. Equifax is putting the wrong city on my credit report my city is not XXXX XXXX   its XXXX please correct this as well.
Consumer complaint received 2018-02-18
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. (PA)

I have been a victim of XXXX Experian security breach. They are several inquiries on my file that I dont recognize. These inquiries are a result of the XXXX Experian data breach.
Consumer complaint received 2022-03-30
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: LEXISNEXIS (NJ)

I contacted lexisnexis on XX/XX/XXXX asking how they verified the information that XXXX, XXXX and XXXX are saying they furnished them regarding the bankruptcy on my credit report. On XXXX they replied that the bankruptcy was accurate without providing me the information that I was asking for even though at the bottom of their letter they said it was my right to request the process on how they obtain and verify this information. They tried to make it like I was disputing the information when I simply asked for the process of verification. on XX/XX/XXXX they sent another letter saying they were going to dispute/remove the info from XXXX, XXXX, XXXX. Then on XX/XX/XXXX they sent another letter stating they can't give the results of the investigation because I didn't fully identify myself which can't be true or else they wouldn't have responded to me on XXXX. Therefore I followed up today with response demanding what I asked for on XX/XX/XXXX
Consumer complaint received 2018-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Consumers Inc (MD)

XX/XX/2018 and XX/XX/18 I requested a copy of the original signed and dated contract for Each one of the debts reported on my credit reports, with my original signature validating me as the guarantor of the debts which the original creditor XXXX XXXX  XXXX requires you to sign at time and date of service, showing you agree to the terms and you are the guarantor that will be liable for any debt incurred from hospital services. 

The debt collection company failed to provide me with the guarantor document signed and dated for the date that each debt services were provided. This document is used to make sure that the correct person is identified and charged for the services. The debt collection company only sent a computer generated ledger showing the services that were provided on each date, the cost of the services on each date and that XXXX XXXX  XXXX placed this debt to my information. The debt collection agency failed to send the requested document to validate that these debts actually belong to me.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2015 a balance of {$0.00} from XXXX XXXX Bank appeared on my XXXX  and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Consumer complaint received 2018-02-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC (CA)

So I got a student loan to attend XXXX XXXX in XXXX Ca. From XXXX XXXX ( XXXX XXXX XXXX ) Also known as XXXX XXXX out of XXXX XXXX Ca. As I was paying my loans and I started to notice my loans are going up. I called them to find out why my loans were going up. I was told that they fluctuate with the market. It went up like a Dollar or two. 

I told them I didnt think it was legal since I believed that the loan was supposed to be a fixed rate. So I requested a copy of my contract and was told they would send it to me. Well know contract was sent and I forgot about it. 

Then one other time I went to pay my payment and noticed this happened again so I called again and was told the same thing that it fluctuates in the market. So again I requested a copy of my contract and they said they would send it still got nothing. 

So last month ( XX/XX/XXXX ) I went to pay my loan and there it was again my loan went up. So I checked my bank account and searched it and found that 1 off my loans went up XXXX in 18 months. I have a 2nd loan with them that also went up XXXX in 18 months. 

I need some advice or to find out if this is legal. If this keeps happening I dont see know way to pay this off because it keeps growing. 

I will call them and they will probably tell me the same thing they told me last time and I will request a copy of my contract and will never get it so maybe I will have to go see a Lawyer about this. 

This is the money and dates the loan went up, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX, XX/XX/XXXX went up XXXX XX/XX/XXXX went up XXXX I just think they are ripping people off. If not why wouldn't they send a signed copy of my contract stating this.
Consumer complaint received 2018-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

On XX/XX/2018, I walk into the money services, MoneyGram section to send money to a unknown person. I spoke with the MoneyGram agent to send money to someone I didn't know. I explain that I am waiting for a package to be sent and didn't want anyone receiving the funds until I release them. The agent told me that they would need the reference number that was printed out on my receipt. And by no means do I give up the reference number until my transaction was completed. She guarantee this would be the only way to receive funds sent. And this would be my way of securing my money. I was confident and this was the reason I choose MoneyGram. After 2 days of waiting for my package and to no delivery, I decided to go back to Walmart and get my money from MoneyGram. Went back to the same MoneyGram and had the same person that waited on me with my a original receipt. I handed her my receipt and she looked up my reference number for my refund. After a few minutes, she said someone received the money. I said hold could that happen when I didn't give anyone my reference number but you. I had my receipt with me at all times. She said I needed to call MoneyGram about this. I told her you guarantee me a secure refund if I secure my reference number, and I did. Be aware that MoneyGram will give your money away if the person you don't know has your mailing address and there Driver License. 
Even though you are told that the only way someone can receive your sent money through " MoneyGram '' is by using the reference number. That is a lie!!!!!!!!! I spoke with the 2 XXXX  store Manager about this and all I got was, they will talk to the 2 MoneyGram agent. I was guarantee a secure way to release my funds in the beginning, but in the end I was taken for a ride by XXXX MoneyGrams unsecure practices. Do not count on a secure way to send money, and to have full control of releasing your fund by relying on a reference number. Huh The moneygram agent didn't even get my address right on the receipt.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Transunion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2020-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

In XX/XX/2019 I received an alert from my credit reporting service that a collection company, IC System, was attempting to collect a debt in the amount of {$410.00} from me on behalf of a company XXXX XXXX XXXX. I sent a letter to them in XX/XX/2019 requesting verification of this debt, any instruments that stated they could legally obtain this debt, and to inform them that they were violating the Fair Debt Collections Practices Act ( FDCPA ), HIPPA, and FCRA. I never received a response and this erroneous debt that was placed on my credit report continues to be there affecting my status and credit scores.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Chase bank is holding my only funds without any reasoning. If they would have told me that they were holding my check I would have deposited in another bank that would allow me to access my funds. Every time I call to inquire about my funds still not being available the tell me different things just to get me off the phone. The first customer care agent misinformed me that my funds would be available in two days and that the time stamp on receipt was just generic date. the second person informed me that checks are placed on hold after deposit and basically told me have a nice day. It doesn't make sense that I have to go sell blood to put gas in my car when I have XXXX in my bank account. I will never be submitting large amounts with this bank again because of this grave inconvenience not only for me but my family as well. I would like to get my check back so I can put it in a real bank.