davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
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. (GA)

The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX  ( TU ) Names : XXXX ( TU ) Address : XXXX XXXX XXXXXXXX ( TU XXXX XXXX ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX   ) Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  ) ; Bal : {$59.00} ( TU, XXXX, XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (OH)

On or around XXXX XXXX, 2017 I opened a checking account with US BANK in XXXX, Ohio. 
I made a few small deposits into the account totaling around {$730.00}. 

I made a transfer of funds to another bank and was billed by mistake from XXXX. 

I then noticed US BANK reordered cleared transactions aka stacking to intentionally overdraft the account multiple times for the same charges. 

After much debate I cleared the charges with the account manager who made it seem like she was doing me a real favor eliminating {$72.00} in overdraft fees which I should not have received. 

A few days later XXXX XXXX mistakenly charged me twice for the same meal. 

As a result the Algorithm reorganized and reprocessed nearly 8 charges with 8 over draft fees of {$32.00} each for a total of {$250.00} SO FAR. 

I was made aware by a teller that I would be charged an ADDITIONAL {$25.00} fee for each overdraft fee or {$200.00} bringing the total to {$450.00}. 

The charges that were reorganized were processed from largest to smallest to create the greatest over draft fees. 

So a {$8.00} trip to XXXX XXXX now costs {$65.00}. 

This is my second attempt at using US BANK. Years ago they used a similar tactic to over draft my account, then sold my identity to an identity thief posing as a debt collector AND ANOTHER identity thief posing as a XXXX employee. 

This is a very sad and pathetic attempt from a business to make money. 

I would happily use this service if it were honest, however it is clear this is a complete money grab scam. 

I used the funds in the account to open a secured credit card with US BANK, which I will now be canceling. 

I plan to write US BANK executives, Attorney General, FBI, SEC and other regulating authorities. 

AGAIN THIS IS JUST PATHETIC!!!!!
Consumer complaint received 2017-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MN)

On Thursday, XXXX XXXX at approximately XXXX a XXXX XXXX XXXX received a second phone call from Navient XXXX XXXX. The first inquiry the person asked was if he knew a XXXX XXXX but did not identify themselves. After XXXX XXXX requested who it was the identified themselves as Navient. At this time, XXXX XXXX asked how they found his number and they eluded they used a software to find his number and noticed they may be related to XXXX XXXX. 

This is the second time they have contacted ( third party ) XXXX XXXX XXXX for a debt in regards to XXXX XXXX.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (NY)

I'm asking for your help with this complaint because I'm having a problem trying to get a refund of a stolen money order from XXXX XXXX XXXX XXXX, Check Cashing. I put in a complaint with the XXXX Department of Finance Service, who contacted XXXX. We received a letter letting us know Chase would be the persons to contact, because they're the ones who cashed the Money Order. So, I was told by the XXXX to send a complaint to Consumer Financial Protection Bureau, because you handle Banks. 
Thank you. 

See the letter below of the whole complaint : I live in XXXX New York and the money order I brought from XXXX for my XX/XX/XXXX rent was stolen in route to the rent office and cashed. The amount was for {XXXX} I went and got a copy of the washed money order, got a police report and filled out a Affidavit of Forgery or Alteration. And had that form notarized. They didnt start the process until XXXX of XXXX, because they said the paperwork that was first sent in was not complete, so I resent the paperwork, called to see if it was received and if it was correct, and was assured it was. Over time I called and talked to many different people at their headquarters in XXXX. I even called the Bank XXXX works with on these matters, ( XXXX XXXX XXXX ) and Chase, the bank where the money order was cash. When I spoke to Chase, they said they were unable to provide me with any information because I did not have an account with them. And the only answer I'm getting from XXXX to date is, " the affidavit is pending ''. The last pending date was XX/XX/XXXX. When I asked them why, and what's the hold up, I get no reasoning or answers to why it's still pending. The address I was told to send the paperwork to is XXXX XXXX XXXX XXXX XXXX attn Money order dept. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Il XXXX. The last person I spoke with is the supervisor, XXXX XXXX of the Affidavit Department, phone number XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U. S. C 1681 section 602 A States I have the right to privacy.

15 U. S. C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-07-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (LA)

We currently have a VA mortgage through Flagstar Bank. I have had problems with them from the very first year living in the home them paying our Home Owner insurance out of our escrow. I have gotten cancellations notices from XXXX ( XXXX ). One year I had to pay the insurance out of our own pocket. I have talked to XXXX XXXX and they have every year at date of renewal reached out to Flagstar Bank. I have even called every year to see why are they unable to pay the insurance when we are have escrow and our monthly payment includes property taxes. 

This year ( 2020 ) I have gotten another notice of cancellation and discussed matter with XXXX who as I believe reached out to them on multiple occasions. I even talked to Flagstar of which it seems their incompetence is unable to press the option clearly stated when calling XXXX the option if lender press # option. 

I have now received a notice from Flagstar, " Our records show that your homeowner 's insurance expired and we do not have evidence that you have obtained new coverage. We plan to buy insurance for your property. '' This was dated XX/XX/2020. 

I served our country for 6 years honorable no Veteran should have to go through this ever when they are paying their insurance and property tax in the mortgage. I have asked Flagstar what needs to be done to not have this happen they are completely incompetent in providing a solution My name : XXXX XXXX, XXXX
Consumer complaint received 2020-01-20
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. (CA)

I refer to the above XXXX credit Report # XXXX dated XX/XX/XXXX a medical collection as follows ; ( Copy enclosed as Attachment 01 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class XXXX XXXX Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$2300.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$2300.00} Last Payment Date Whose Account Please note that the above medical collection is fraudulent and erroneous. During the time collection was placed I have an active XXXX XXXX XXXX XXXX XXXX XXXX  Insurance Coverage. XXXX XXXX XXXX. 
Also I did not have any medical services rendered under XXXX XXXX XXXX XXXX XXXX during the year XXXX and XXXX.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (FL)

On XX/XX/XXXX I received two letters in the mail from the same company stating, Debt Recovery Solutions , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. It goes on to mention I received XXXX XXXX from XXXX XXXX XXXX. The debt was then purchased by XXXX XXXX XXXX which is whom this supposed debt is owed. The first reference # was for an amount of {$1200.00}. The second reference # the amount was for {$69.00}. The letters also mention I have until XX/XX/XXXX to call or write to dispute all or part of the debt. 
The first part of my complaint is that I do NOT recognize this supposed debt nor the companies involved with the origination or transfer of the debt. This debt supposedly originated on XX/XX/XXXX and I have never received any notification of this debt until XX/XX/XXXX. The second part of my complain is that Debt Recovery Solutions , LLC did not adhere to my rights under FDCPA and FCRA on providing the allotted time to report this debt as it is already reporting on my credit report to at least one reporting agency PRIOR to the date provided to dispute the debt which is XX/XX/XXXX. This is unfair and deceptive implying I owe a debt and reporting it to any credit bureau agency prior to the date provided by the debt collector to dispute the debt. I believe the actions taken by Debt Recovery Solutions , LLC to report this debt to the credit reporting agency is abusive and did not follow the practices of FDCPA and FCRA in protecting my rights.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

In XX/XX/2020, I attempted to pay off my car loan with Citizens One bank. On XX/XX/XXXX, I made a payment of {$500.00}. On XX/XX/XXXX, I looked up my vehicle loan online and made payment of {$500.00}. This was the listed payoff amount on my account details, and is listed on the Citizens One page as where to find the payoff amount. At this time, I believed my account was paid off. 
A couple weeks later, I still had not received my pay off documentation. I looked on the website for my vehicle loan, which stated I owed {$0.00}. I immediately called Citizens One and spoke with a representative, attempting to pay the {$0.00} to close the account. I was told at this time, that I owed over {$600.00}. As I attempted to review payments with the gentleman, I was advised that there was only one payment noted to my account in XXXX, when my bank confirmed two transfers to Citizens One for my vehicle loan. After confirming again with my bank, I contacted Citizens One again to provide confirmation numbers for both payments. The next gentleman I spoke with stated payoff amounts on the website do not include late fees and I owed approximately {$380.00} to pay off my loan. He stated that I owed nothing on principle, only late fees. This gentleman was able to confirm that two payments were made in XXXX on this account. We confirmed all payments made this year and he was to send an accounting of my vehicle loan records ( I still have not received ). He stated late fees do not show on the account ( which they do XXXX and that was why I owed {$380.00}. I advised I would follow up after reviewing the accounting. Later that day, I received a call from a collector from Citizens One who provided me a completed different amount that I owed of approximately {$400.00}. 
Today, I tired of waiting for this statement and attempted to contact Citizens One to see what amount I owed that this time. I was told {$600.00}. The website shows that my principle balance is now {$400.00} while my XXXX statement shows a principle balance of {$0.00}. So my principle balance increased by {$400.00} over the last 20 days. I spoke with a representative, who stated my second XXXX payment of {$500.00} was Backed out. However, I never received a refund for this amount and she was unable to explain where this {$500.00} disappeared to. I am also being charged interest on moneys that were already paid to Citizens One. I feel this loan was paid off in XXXX and they are refusing to allow my to pay if off by " backing out '' my last payment and being unable to provide an accurate, consistent pay off amount.They have also now added {$93.00} in " fees '' that no one has been able to explain. If you remove the {$93.00} in unexplained fees and reapply the {$500.00}, there should actually be a credit on my account.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC (FL)

A GreenSky Credit participating Merchant charged entire amount of GreenSky Credit Line ( {$9000.00} ) without notice, without a legally valid and executed Certificate of Completion, without Authorization to Charge and before commencement or completion of contracted scope of work and against my express request that it not accept said charge. Merchant submitted forged, fabricated and/or falsified documents to GreenSky in order to obtain said payment of {$9000.00}. GreenSky was put on notice of this falsification and continued to honor this change and debt. GreenSky has continued to attempt collection of this debt despite being provided with complete copy of Police Report, Sworn Complaint Affidavit and Dispute Forms. Legal counsel has contacted GreenSky relative to this matter and it still refuses to issue a credit of {$9000.00}.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (KY)

On XX/XX/XXXX, it is stated on my credit report that I have a hard-inquiry from XXXX. This was not me applying for the card. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX, I am 100 % not sure where or what this company is. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX XXXX, not sure as to why I have one with them, when all I currently have is a debit card.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Hi, I went online in XX/XX/2021 to get my annual Equifax credit report. At this time, their system said it " encountered an error '' with no explanation given and that I had to call them. I called them and was given the run around that I needed to verify my identity by mail. I never received identity verification mail so I called them again in XX/XX/2021 and they did manage to solve the error when trying to get an XXXX. However, the system gave a new error instead that it was unable to provide the report online and only by mail. This took 5 weeks to receive which is XXXX. and the letter I got in XX/XX/2021 only said " Our records show that you have already received your annual credit report from Equifax ''. I have never received an annual credit report from Equifax, not within the past year nor ever actually. I would call them again but at this point I think it's clear they're being abusive. It is unlawful to withhold my credit report like this. 

Please let me know what steps to take.
Consumer complaint received 2024-02-21
Product: Credit reporting 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)

per the FCRA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given you written unwritten verbal and nonverbal per 15 USC 6802. ALL inquiries must be removed. 

Per the family XXXX educational privacy act of XXXX, my transaction history was compromised and given to a third party that was NOT authorized by me. 

Lastly, XXXX has removed items off of my credit report but transunion, XXXX XXXX and XXXX has not removed these items. By law, all credit reporting companies MUST be congruent and have the SAME reporting. Please fix these issues. 


My proof of claim is attached to this complaint.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  has asked that I pay a debt for that they can't show that I owe I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, PORTFOLIO keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM
Consumer complaint received 2017-08-02
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: WELLS FARGO & COMPANY (FL)

I have been contacting XXXX for weeks now trying to get this one inquiry off my file that I have no knowledge about. I Pulled my XXXX credit report in XX/XX/XXXX. I contacted XXXX  immediately once I seen this unauthorized inquiry. XXXX forward me to the creditor ( Wells Fargo Auto ) but they are not providing me with proof that I made this inquire. Per XXXX they are not able to remove this inquiry. I advised them I never authorized this inquiry. I am asking for proof where I made this inquire. The XXXX rep said it will soon fall off my credit report which I feel as though its wrong to say because I did not make this inquiry. This inquiry is hurting me from acquiring new credit lines. The inquiry is WFB Auto ( XX/XX/XXXX ).
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

Debt of XXXX was paid in XX/XX/2019 after moving out of Apartment in XX/XX/2019. The apartment agent failed to complete my new address with " XXXX '' so I never received the letter. 

I paid it under act number ending - XXXX but I received a mailing in XXXX under account number XXXX for the same exact amount. 

This company has taken it amongst themselves to reopen a paid balance under a new account number. This is fraudulent. I've called several times to get no assistance and only allowed the option to leave a voicemail.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TX)

I want to escalate a very serious promotional offer and customer service issue with XXXX credit card customer service representative when I called on my XXXX reward card ( that is managed by XXXX XXXX XXXX ). I called their credit card customer services about two weeks ago and spoke with a representative for the promotional offer issue. But very unfortunately, this representative had very serious discrimination against me. This particular representative 's discriminatory statements are against US Federal laws. It was absolutely unacceptable and very insulting to me and I was extremely shocked by this kind of credit card customer service provided by XXXX. For their information, XXXX Credit Card customer service representative 's name is XXXX and her employee ID # is XXXX. Also her phone extension is XXXX and she is based in XXXX Idaho location. 

I must request XXXX to provide me at least {$300.00} compensation for the promotional offer issue as well as discrimination by their customer service.
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC (MS)

I have received repeated phone calls multiple times per day from this company. When I accept the call, no one speaks and they end the call. 

This has happened on the following dates at the following times : XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX I feel harassed at this point with the constant calling and hang ups. According to 15 USC 1692d under Harassment or Abuse, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Subsection 5 specifically states causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2023-05-07
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. (MN)

I am writing to express my serious concern regarding the unresolved issue of information resulting from an alleged identity theft on my credit file. It has come to my attention that you are currently in violation of the provisions outlined in 15 U.S. Code 1681c-2, which mandates the blocking of such information within four business days of receipt of the consumer 's request.

To my dismay, it has been well over 30 days since my initial request for the blocking of the disputed information, and no action has been taken to address this matter. As a victim of identity theft, I assert my rights under the aforementioned law and demand the immediate deletion of the following accounts from my consumer report : Under 15 U.S. Code 1681b, it is clearly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I want to emphasize that I have never provided any consumer reporting agency with written consent to report any information on my consumer report, as doing so would be a violation of my rights as a federally protected consumer. Any reporting done without my explicit written consent is an act of identity theft.