davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just looked at my reporting and I saw that I have a late payment on XX/XX/XXXX and XX/XX/XXXX. However, they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem in XXXX but I haven't seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This is a violation of my federal right. Can you help with this matter? Thank you.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc. (AZ)

Client services, inc is a fraud. XXXX XXXX XXXX XXXX XXXX in XXXX XXXX mo They have my name and address. Sent me a letter saying I owe them {$2500.00}. They say they are debt collectors. This letter looks so real who knows how many people they have frauded by this! Reading their comments, this has happened to many people. Also, people who work there have commented as its a horrible place and that its not for the kind hearted. Ya because yall are scammers!
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HYUNDAI CAPITAL AMERICA (CA)

Hi, I applied for Hyundai XXXX online on XXXX of XX/XX/2021 at XXXX. They took my information to per-qualify me. Although my credit score was excellent they rejected my application for no possible explanation and asked me to call Hyundai in XXXX. 
I called them and they told me they don't have this car in their storage for a long time and they are not going to have it in the near future. They didn't even tell me when they can bring this car. 
My question is that when they don not have this car, then why they still accept an online application?! And worse, why they run TWO hard inquiries?! 
They should have noticed me that this car is not available.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Money transferred of XXXX $ from a Bank of America account to another Bank of America account via XXXX transfer using a phone number. The money never made it to the recipient. Called Bank of America and they say someone else has the money but I have to get court subpoena to get the recipient information and then take the person to court myself. I put in the correct phone number which is that of my son. Transferred money the same way before. Dont know how this is my fault to lose money like that. They say there is nothing they can do.
Consumer complaint received 2020-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I transferred {$8300.00} to my bank account and i saw that someone changed my banking information. there was no was to call the company so i messaged them. they said the account was changed in 2015. i never noticed the change because i was hardly using the service at that time. they said there is nothing that they can do for me. I dont have any idea who this account belongs to. transaction number is XXXX and the case number is XXXX
Consumer complaint received 2020-07-20
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. (SC)

XXXX XXXX XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.
Consumer complaint received 2020-07-20
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. (SC)

XXXX XXXX XXXX XXXX XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX  XXXX is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law. They are also reporting duplicate accounts to the credit bureaus as well.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

This is the email i sent to chase addressing my unemployment deposits. 

On XX/XX/2020, Chase restricted access to my account under the information I was given over the phone by a representative that my account was closed. I was told a check was going to be issued to be within 7-10 business days. However, when I called back they told me that my account was under further investigation for my unemployment direct deposits by the NYS. I was owed backpay by the state and my unemployment benefits were released into my checking account on XX/XX/2020. The official record of this is attached. As there are also millions of people receiving backpay on their unemployment account, my case is nothing that should be flagged, and I am very upset that this happened. I have been hung up on by your customer reps, been transferred in circles, and it took me 5 hours to reach someone that could open up my case. 

Since XX/XX/XXXX, I have not been able to make a purchase for food, pay bills, pay for medical necessities, or any daily functions because I only have my debit card to use at the moment. With my funds being restricted without any detailed explanation, no letter, no phone call, nothing, I was left wondering what to do on how to access my account. I would also like to express that this investigation seems highly illegal under the given pandemic circumstances for those who are currently unemployed and receiving unemployment money deposited only to be restricted by CHASE leaving the person without any resources. 

This ordeal has left me in a XXXX XXXX and with the unknown future of how to retrieve my funds, I am left terribly upset as I am not able to purchase food or pay rent. I find this entire process of being bounced around from representative to representative, and even in an person visit to the CHASE branch in New York, to be highly unethical. Not giving a customer a correct answer and how to go about this and not lifting the restriction to ones own account is extremely wrong. 

Attached are the payment history that showed the date ( s ) that my back pay was released via direct deposit from the unemployment website. Please see if you can expedite my case and send a letter or call me with a follow up as I have yet to receive any explanation. I URGENTLY NEED ACCESS TO MY CHECKING ACCOUNT ASAP. 

Thanks, XXXX XXXX
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

On XX/XX/XXXX, I received an email notification from my credit monitoring service that a collection has been added to my XXXX   credit report by a company named XXXX XXXX XXXX for a XXXX account that I do now owe. The XXXX account was from XXXX and has been removed from my credit report years ago. This collection company, XXXX XXXX, has never sent me any correspondence regarding an old debt they purchased from XXXX. The debt does not belong to me. This collection has damaged my credit score by almost 85 points! I will be filing a civil action against this collection company for reporting a debt on my credit report that I do now owe. At this time, I am requesting CFPB to investigate this matter for this collection company to remove this alleged debt from all my credit reports. Further, I am requesting certified correspondence sent to my address and recorded statements indicating I owe a debt to XXXX XXXX XXXX. I am attaching documentation showing proof that the XXXX matter has been disputed and resolved more than two years ago.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-20
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid 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: U.S. BANCORP (TN)

I used SAFEDRY CAPET CLEANER 100 % SATISFACTION GUARANTEE to clean my CARPETS. Charge was to be 'Special 3 room 's {$99.00}. THE CARPETS WERE DIRTIER THE NEXT DAY AND THE CHARGE WAS {$50.00} more than quoted. I called XXXX the manager, he said they would be out to RECLEAN FRI AT XXXX. My yard man XXXX XXXX and I waited from XXXX. No SafeDry RECLEAN PERSON CAME. 
I CALLED FIDELITY CUSTSERVICE TO DISPUTE They said, CANT, HASNT POSTED NEXT DAY Fidelity : CANT DISPUTE HASNT POSTED STILL PENDING 5TH CALL TO FIDELITY OK DISPUTE FILED, YOU ARE FINE T W O WEEKS LATER AFTER MOVING TO MY SUMMER HOUSE IN OHIO, I RECEIVED A LETTER FROM FIDELITY IT SAID DID NOT MENTION EVER BEFORE FIDELITY SAID XXXX REQUIRES US TO HAVE YOU HIRE ANOTHER CARPET CLEANING COMPANY TO GET ANOTHER ESTIMATE AND SEND IT TO US, FIDELITY I CALL ABOUT THE LETTER, WHICH SAYS THE ESTIMATE IS DUE T O M O R R O W I CAN NOT I AM XXXX MILES AWAY AND WHY DIDNT YOU EVEN MENTION N THIS REQUIREMENT WHEN I FILED THE DISPUTE HE ANSWERED I DONT KNOW, XXXX JUST STARTED REQUIRING THIS NO, THATS A LIE, I CALLED XXXX, THEY SAIDITS A LIE
Consumer complaint received 2018-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Once graduated in XX/XX/2011, I was told I had to pay a very large sum every month. I explained I was not making enough money to afford the minimum monthly payment. I was told to put my loan in forbearance. I explained I could afford XXXX dollar payments a month. They told me that was not an option and forbearence was my only option.

Fast forward 1-2 years later they discuss Income Based Repayment which I signed up for. They said I could pay XXXX $ every month because my yearly income was so low, but left out that my interest would still be accruing. 
They also never discussed the benefits of consolidating my 10 separate loans so in doing my loan research years later I called and asked to consolidate. The woman I spoke with even stated " she was surprised this wasn't initially gone over when I first applied for the Income Based Repayment option. '' They also have my school loans listed as University XXXX XXXX? I have no idea why as I have never attended that school. 
My first mistake was going to the for profit college XXXX XXXX and finding out later I was lied to and thought to believe I would get a degree and have a well paying job. My second was listening to Navient and believing they had my best interest at heart.
Consumer complaint received 2019-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Account Control Technology, Inc. (NC)

None of the options on the previous screens truly described my situation so I hope this gets to the right place. A week ago I tried renew my NC vehicle registration and was told that I was not allowed to register based on a hold placed by Account Control Technologies ( XXXX ) XXXX. They stated that I had a toll balance that had gone to collections over a year ago, I had never received prior invoices or notices of this balance and had no knowledge of it. I called the collection agency and had no choice but to pay the debt if I wanted to continue to be able to drive my vehicle. I made that payment on XX/XX/2019 at XXXX XXXX ( literally immediately after I became aware of this debt ). 

The payment came out of my account on XX/XX/2019, and as of XX/XX/2019 ( the date my registration expired ) they still had not reported the payment to XXXX XXXX to allow me to reregister my vehicle. A representative from XXXX XXXX called Account Control Technologies with me, Account Control Technologies confirmed that I did pay but stated that they had no control over when the system would send notification to NC XXXX and would not help me. So Account Control Technologies is holding my rights to reregister my vehicle hostage over a debt I was never aware and paid immediately upon being notified of it. This means I can not drive my vehicle which could affect my job.

Please help me to get this rectified and save others from this same fate, collection agencies should not be able to prohibit an US Citizen from being able to register a vehicle over a debt that has been paid to them. I feel that they are using the collection powers provided to them by the State of NC in an abusive manner which could harm me and my family.
Consumer complaint received 2018-06-26
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/XXXX at XXXX XXXX XXXX XXXX called and left a voice message. Then at XXXX a rep called again and left another voice message. I can understand once a day but calling again is harassment. I still have the voicemails. This isnt just about mortgage. I have several loans with this bank
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

I have two loans that are being serviced by Freedom Mortgage who continues to find every excuse to use " forced placed '' insurance on my properties. I have owned these properties for many years and have never been without insurance on these homes and yet I have to continue to fight with Freedom Mortgage to inform them that in fact, I do have insurance. As servicers, I thought they manage the insurance payments by managing the escrow funds. They appear to search for reasons to defraud the consumer by placing these predatory " insurance '' products on consumers that already have insurance. For consumers that are struggling to pay the basic mortgage, this type of dishonest practice will surely push them into default. I can hardly believe this practice is legal. Please do something about this and use Freedom Mortgage as an example.
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Benuck & Rainey, Inc. (IL)

XXXX XXXX charged {$400.00}, at XXXX XXXX XXXX, without my authorization for a product XXXX XXXX XXXX XXXX XXXX XXXX that retails for {$99.00}. I had disputed the overcharge with XXXX and they refused to respond. More than half has been paid by my insurance and now they have a collector sending me threatening notices. 
How do I dispute an unfair charge, specially one I did not authorize?
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (FL)

I Did not Authorize anyone to open these Accounts this was done without my consent all These Accounts is Fraud and I'm so sick of this nonsense with fraud I work to hard for this to happen to me
Consumer complaint received 2020-08-20
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. (FL)

I Did not Authorize anyone to open these Accounts this was done without my consent all These Accounts is Fraud and I'm so sick of this nonsense with fraud I work to hard for this to happen to me
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. (IL)

I am rewriting to complaint to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX XXXX. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation (NV)

On XX/XX/2021, I logged onto my card account and saw that my account had been suspended/closed. This was done without any notification from the financial institution. I contacted customer service and was told that I needed to provide proof of identity. I provided copies of my driver 's license, social security card, proof of address, and proof of unemployment benefits. Although I provided ALL requested documents, my account is still showing that is suspended and customer service keeps giving me the run around.
Consumer complaint received 2019-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (FL)

Hello, XXXX keeps calling and has reported a negative account in my credit report. I have never applied for XXXX  or have had any services with XXXX. They are trying to collect a debt of approximately {$2500.00} for something I am not aware of nor have had in my life. Upon hearing from this I tried to explain to them that I dont live at the address listed on their account nor have I ever had any services Ive tried filing a dispute with XXXX and have had no luck. This negative account is the only thing hurting my credit. While everything else in my account has always been paid on time and no issue with any balances. Please help me correct this issue
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. (NY)

I ( XXXX XXXX ) have reviewed my Consumer Reports and noticed that I had ( 1 ) one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX : ( XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,