davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
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. (MO)

I contacted TransUnion about the computer glitch caused your inquires to be deleted. TransUnion later added them back onto my credit report without giving the legally required 5 days notice prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquires that have been illegally re-added. I spoke with XXXX the Supervisor at TransUnion in the USA on X/XX/2017 at XXXX XXXX cst. These inquires add a hardship and my rights were violated by TransUnion. Please stop TransUnion from victimizing me.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (CA)

Slate XXXX chase XXXX OFERRED 0 % INT FOR 15 MONTHS & NO FEES ON BALANCE TXFR FOR 60 DAYSXXXX ( OR SO ) WAS THE XXXX & WENT THROUGH FINE, next XXXX {$2800.00} never got to my bank, I first requested it on XXXX & .chase said my bank returned it ( never got to my bank, they told me i had put the wrong act # on it. The number I put is by Personal bank act no. the suffix of which is the that they use for credit card aaccounts number. The bank would have known exactly where it went. Then chase accused me of putting my ck act # down & sited that for the reason my bank returned it. As I said, it never got to my bank.Kept checking, no info. they finally rec 'd the check on XXXX did n't want to have any more checks floating arouind till I knew where the XXXX almost {$3000.00} XXXX check went. 
I called many times to check on it and every time I called, they had no answers. In a very recent conversation they told me the $ was back in my act XXXX orXX/XX/XXXX.I had called after those dates & they said they still didd't know. had they told me it was in my account, I could have gone ahead with all my other transfers, ( but as far as I knew the $ was floating around somewhere.when they finally sent the check, they made the check {$180.00}? instead of XXXX originally requested. So when my bank called & told me the check had arrived, I noticed I still had a balance on the card. Since it was past the 60 days, XXXXthough XXXX errors were caused by chase, they charged me a balance trsfr fee. I asked them how do I get 15 months @ 0 %, they said you ca n't, even they caused it all. So now I have XXXX that I get 15 mos on, the majoroty of the & gt ; {$5000.00}, will only get 12mos @ 0 %.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am writing due to non-compliance with XXXX, XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged recently. I strongly believe that they are in violation of the XXXX and are outright refusing to uphold the law. It has been more than XXXX days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( XXXX ), a credit bureau is required to respond to you and complete their investigation within XXXX days. If they do not respond within this time frame, they must remove the negative listing disputed items.
Consumer complaint received 2015-10-21
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (NC)

XXXX XXXX Offered us a {$100.00} XXXX card if we switched our cable and internet from XXXX XXXX to them. We changed and they sent us a card, but it had zero dollars on it. When we called XXXX XXXX they said we had to call a third party vendor for the card, Blackhawk XXXX. Blackhawk XXXX said the card was used for fraudelant charges XXXX and the card had never been activated. They told us to send in a dispute form, we did, and they sent us another zero balance Pre-Paid card.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: KEYCORP (WA)

Keybank contacted me by phone and informed me and informed me that I had, " missed a payment a year ago and that I needed to pay that payment from one year ago and also that they had been charging me overdraft fees for that missed payment each month for the last year. '' I explained that as I had no knowledge of this missed payment and that the overdraft fees that they had continued taking out without my knowledge would more than sufficiently cover the amount of the payment that if they reversed all overdraft fees charged to my account during the last year regarding my auto payment I would be more than happy the pay the payment I had supposably missed a year ago. They agreed and said, " we are so sorry for the hassle. All of you 're other auto payment have been on time so we will reverse all of those late fees. We will be sending you some paperwork. '' I was relieved that they had handled the situation so effectively. A few days later I recieved another phone call from the same Keybank corporation telling me the complete opposite of what they had just told me. They stated, " you have a late payment from a year ago that needs to be paid or we are going to continue charging you late fees indefinitely. '' I told him of the previous conversation that I had had and what Keybank had promised to do the first time I talked to them. The Keybank employee then told me, " I 'm sorry but we do not have any power to reverse late fees. You will have to contact you 're local Keybank branch because they are the only ones with the power to reverse late fees. '' So I called my local Keybank immediately and explained the situation to them. They told me the opposite of what the Keybank corporation had just told me. My local branch said, " we have no power to reverse late fees. Only the Keybank corporation has that power. You will have to contact them. '' I informed her that I had just gotten off of the phone with them and that they had told me the exact opposite. My local Keybank told me again to contact the Keybank corporation. So I immediately called the corporation back yet again and explained to them what had just occurred. They again told me the same story, " we have no power to reverse the late fees you have to contact you 're local branch. '' I contacted my local branch again and told them what had happened. They both continued directing me back to each other and refused to help me in any way or to even get their stories straight. Now I have been receiving phone calls from the corporation just about every day since telling me I need to pay the missed payment from one year ago that I was unaware of until just now. I continue trying to reason with them but it is unfortunately impossible it seems. Each time I call my local branch and ask to speak to the manager she is supposably, " busy. '' After doing some research I decided to contact you as Keybank either avoids me or does not give me a straight answer and I need this issue resolved as it is getting out of hand. Thank you.
Consumer complaint received 2015-12-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Selip & Stylianou, LLP (NY)

I 've received numerous letters from Selip & Stylianou , LLP stating they are authorized to commence judgement enforcement efforts to collect on a debt that has long passed the statute of limitations in the state of NY. The debt charged off in 2003 and the statute of limitations is 6 years.
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Several accounts on my credit report are fraud opened account. Please look at the attached documents. TransUnion will not remove the fraud accounts even though I have provided proof. Please delete this stuff
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Mortage, if forcing flood Insurance on my account at the highest rate. 
I am part of a current law suit over this situation. 
I dont live near the XXXX and my home is a manufactured home which is XXXX Feet off the ground anyway. 
The area I live in is a a/b flood zone which means it could flood in XXXX years. This allows FEMA and the bank to charge whatever they want and ignor the height of the home etc. 
Iam unable to obtain a elevation cert. as no company wants to take the time for my home where I am meaning its not worth it as it is highly unlikely to occur and if so my neighbor does not have to have it. If there was a great flood he would under water well before myself as he is in a standard block home.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NC)

I was charged an overdraft fee when my account was not overdrawn. I went into the bank yesterday to ask if they would reimburse it and the banker was very arrogant, started yelling and making false statements about the account, and now, today the ban has called and wants to force my accounts closed. They are joint accounts in mine and my husbands name, and he did not say a word to them. I was the one who tried to resolve the problem about the overdraft fee. We do not want our accounts closed as we both have direct deposit and also have our home mortgage with this bank. Please help as I have done nothing wrong.
Consumer complaint received 2015-10-29
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (GA)

Had money in account about {$260.00}, went to pay a utility bill thinking had $ $ $ on the card, the clerk swiped the card for payment and she told me that the card is " declined ''. I asked her to swipe again and the same result. Left the payment center and had a good " cry ''!!!! Then I tried calling different # 's ( on back of card, their customer service and XXXX and all that I could think of ), and to no avail nothing. So please if you can help please do. Also, checked on Atm machines and it 's saying that I 'm in the negative, which I can not fathom, so please look into " our '' plight because we deserve an explanation on what has happened. There are a lot of families that " lost '' a lot.
Consumer complaint received 2024-04-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (TX)

CarMax keeps responding that I am making frivolous complaints against them but fail to address specific concerns raised. Is the note being traded? This is a yes or no question. In no attempt have I made any statement that is not true. CARMAX , INC. is an active registrant with the SEC which you have to be to transfer and sell securities it is outlined in the Securities Exchange Act. If CARMAX, INCXXXX is not engaged in securities fraud how were they able to receive the transferred note from CarMax Auto Owner Trust who is the issuer of the note and Car Max Auto Funding LLC is the depositor & seller who pays CarMax Business Services LLC as the servicer to collect on the allege loan and make contact with its customers. All of this can be easily proven by getting a licensed broker to run the account number and matching this information up to the cusip number and CarMax Business Services LLC account numbers. If CarMax would just answer my questions about the this alleged fraud I would stop filing complaints until then I have every right to get the CFPB, SEC ( whistleblower ), & FINRA involved to track their activities involving securities since what I'm stating is untrue. If you reply back that I am incorrect again this is exactly what I will do because I have repeatedly tried to handle this matter amicably without involving courts.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

As of XXXX XXXX began overpaying/underpaying accounts allowing some to go delinquent then they sent me to collections. It took a month for XXXX to retroactively allocate funds to underpaid accounts and fix my credit. In XXXX, I pre-paid XXXX and XXXX yet received a letter seeking more money for XXXX. I spoke with them and they claimed that someone turned off prepayment in XXXX and would fix it. A week later I saw my account was asking for more money to cover XXXX. At that point I realized that they were not capable of resolving the issue. 

I filed a XXXX  claim and have been back and forth with XXXX. I shared XXXX  complaint and responses with loan and banking professionals. They concur that XXXX made a series of errors and the responses do not reflect an understanding of the problem or resolution. In plain terms, they said XXXX doesn't know what it's talking about or has decided it would rather I make another overpayment to fix their mistake and go away. I do not want to make multiple payments for the same month because XXXX overpaid XXXX account at other accounts ' expense. XXXX needs to learn how to do its job. 

XXXX needs to go back and redistribute my monthly payment to cover all of my individual accounts so that they are current. Doing so will show that I do not owe any money for the month of XXXX. Failure to do so is evidence that XXXX is incapable of doing what it is paid to do, which is manage student loan payments. 

In short, XXXX 's only reasonable response to my complaint is to do what it is paid to do, which is take a monthly payment that meets or exceeds the minimum requirement on the statement and ensure all accounts are up to date.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (KY)

This company reached out to about a debt that was turned to their company from XXXX XXXX XXXX which is an apartment complex. They start providing incorrect information with amounts that was incorrect lease information that was provided to them with incorrect and misleading information I was told that they were going to do an investigation once I sent them the correct information such as proof of the lease and pictures and the dates that I moved i sent that infromation to the XXXX XXXX did not hear a response back so i sent an email XXXX XXXX asking for a status about the debt. Someone reach out to me from the company stated that the manager from XXXXXXXX XXXX XXXX  has not responded I ask them what the statue is or a time frame that she has to respond the debt collector stated that they do not have a time frame and since they did not get a response from the other party they will have to move forward and sent it over to the credit bureaus and i needed to dispute it with the credit bureaus. I told her that was not fair she hung up the phone and they stop answering my calls and stop responding to my emails.
Consumer complaint received 2015-11-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Delta Management Associates, Inc. (VA)

Received improper calls from XXXX XXXX XXXX. Her call back is XXXX XXXX XXXX. Did not state who she was with, what the issue is except that I " was used as a reference '' which is bogus. Have noticed this number over a year on my caller ID list but never left messages until this week Research on line indicates this is Delta Management who is a debt collector. I have never received anything from them and i have no debts having just checked my XXXX free credit reports. Their reviews under this number projects a very negative image and questionable tactics and objectives. They have no business contacting me by phone which is listed on the Do not Call list. I suspect they are preditory, seeing if they can con you into paying on an old debt?
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account
Consumer complaint received 2024-02-15
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. (NY)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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
Consumer complaint received 2020-10-03
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. (CA)

Account was extended for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX during death of immediate family. This was denied then I had it escalated to a supervisor and XXXX XXXX Office of the President two different reps contacted me back advising traditionally this  would not be honored however XXXX XXXX made the business decision to honor. I was going to leave after my initial interaction then they won me back with the follow up service only for the utter disaster since. I have never been 30 days late on a vehicle in my life didnt start now. During the processing of such I continued to remit some payments to apply towards interest as advised. I was further advised said due date was applied in XXXX then XXXX now they are stating XXXX. Each of their responses contradict and they were in writing two of which through your organization please review. As I will be filing a law suit against this organization if XXXX XXXX and XXXX are not rectified by XX/XX/XXXX. 

They have cost me thousands in credit limit, multiple accounts and I am presently refinancing at a higher rate than need be because of such as well. So this is sign I cant Financial harm
Consumer complaint received 2023-03-17
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$350.00}
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES and or bankruptcy from my credit report immediately.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (VA)

Westlake Financial is reporting that I owe their company for a vehicle that I never purchased. Westlake is reporting inaccurate information on my credit report and I want it removed immediately! I have sent this company several debt validation letters via certified mail and regular mail and I have not received or heard anything from them. I have never purchased anything through this company and I do not owe them anything.
Consumer complaint received 2016-10-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

We are exhausted after several months try to work in a reasonable agreement with DITECH Mortgage ( former Greentree ) this company has been delaying, rejecting, postponing and unreasonable denied any chance to review our request for a loan modification initiated at the beginning of this year and submitted using all ways possible phone, fax, mail, email, servicer website, hope loan port, senator warner and more, and nothing, nothing happened besides DITECH letter stating that they will close my case for no documentation!!!!! 
My housing counselor was struggled and frustrated dealing with this company they are acting just as a collection agency with total disrespect for the good faith of client, consumers and same government. Please help me with my case
Consumer complaint received 2022-02-08
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. (NC)

Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. My instructions were followed after numerous conversations with at least 10 agents at Experian. In my attachment, you will see that the account was removed by deletions then readied days later. This is a blatant disregard for the law since they aren't following the instruction in the FCRA.