davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

On XXXX I applied for refinancing of my home, all documents summited and loan were approved and locked, ready to deliver the loan, and instead I received email on XXXX XXXX that says " despite of approval and locking the loan, I am not qualified for the loan. '' That horrible statement delivered to me after I complained to CEO about unprofessional and unethical behavior of some of the employees inside the company got involve with me.
Consumer complaint received 2017-03-31
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

I purchased a pair tickets for myself and a friend for a music festival, but a conflict came up and I could no longer attend, and so I posted a listing to resell them since a refund was not offered by the festival organizer. I found a buyer, and we met and agreed to transfer the cost ( {$1600.00} ) of the tickets through Venmo 's money transfer app from their bank account to mine. I received their payment in full in my Venmo account along with a text from Venmo confirming that I had been paid the {$1600.00}. I gave them the tickets, as my account on Venom 's iPhone App showed that I had received the money and that the transaction was complete. 
The next day when I attempted to transfer the funds from my Venmo account to my XXXX checking account, I received a notice from Venmo that my account had been frozen. I called Venmo to resolve the issue, and they told me to email them a copy of my driver 's license to confirm my identity. Their follow up response was that I had been using the account for " business payments '', and that those types of transactions are not allowed on their App, therefore they took the money out of my account, and also deactivated my account. This has been very XXXX to me as I am not operating a business, it was just a one time transaction that was only going to my personal checking account. It was money that I was counting on in order to pay rent and bills, not for anything to run a business. I do not use Venmo for any business, nor have I ever used it for anything that would fall under " business payments ''. I have only used it for transactions between friends or in this case a casual, personal transaction. 
I am now without the tickets, or the money that was in my account, and have been given no recourse to recover the money. Venmo had clearly confirmed in both their app 's interface and their texting service that I had received the money, with no stipulations or disclaimers, and offered no explanation until the next day when I had to reach out to them to figure out what was going on. Unbeknownst to me, they classified this as a " business payment '' in their terms and conditions, however even after reading through the user agreement on their website I 'm not sure how they came to that conclusion as the terms are vague, do n't explicitly list anything I did as prohibited, and do n't specify how exactly they applied to my situation.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

I 've disputed the account sent supporting documentation along with dispute. The dispute took over 30 days ... ... the first results an email was sent to me notifying me that there 's a status was unable to get results. Tried calling could never get a live person an automated told me to check online. After a few months checked online to see 2 no dispute completed but no results. After calling 2 weeks I finally called the PRODUCT/sales line and got someone who at first tried to SOLVE my issue by giving another number to call after arguing with her she was able to get a live dispute person. When I spoke to her her tone was short with me but I expected this as I was arguing with the comworker. I was told although you sent supporting documentation it was forwarded to the collection agency and they " verified '' it accurate. When I asked about how they verified I was told the collection agency does it as they are the ones reporting. I 'm not understanding how the same agency reporting the error can also be the same verifying the error as if they will say we made a mistake or committed fraud as they knowingly reported false information.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Attention dispute department XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$100.00} REV {$210.00} MIN {$43.00} {$130.00} XXXX XXXX XXXX XXXX DELINQ 90 XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$0.00} 120 {$0.00} {$0.00} XXXX XXXX XXXX XXXX COLLECTION XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} OPEN {$810.00} XXXX {$810.00} {$810.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$360.00} OPEN {$360.00} XXXX {$360.00} {$360.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX COLLECTION XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX {$1000.00} XXXX - {$1000.00} XXXX XXXX XXXX XXXX COLLECTION XP/EF The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied and was approved for a Barclay Gold Card in XX/XX/XXXX because of the very generous benefits they offered XXXX Military ie waived {$990.00} annual fee, 0 % APR, etc. Shortly after the holidays, earlier this year, I was notified that Barclays was no longer going to honor waiving the {$990.00} fee and if my account wasnt closed prior to XX/XX/XXXX, I would be assessed that fee. I feel as if Barclays baited me into a great deal and then pulled the rug out as soon as i was approved and began using the card racking up a balance over the holidays. I now have a balance on a card that i need to close within the next 6 months or else i will incur a {$990.00} fee that I am not prepared to pay. I would never have applied for this CC if i knew i would have to pay a {$990.00} fee.
Consumer complaint received 2017-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

I graduated from college in XXXX 2016. I tried numerous times to get in contact with my loan servicer and had no luck each time. I received no correspondence or contact from my loan servicer Navient. No contact before or after my graduation. I needed to consolidate my Direct Plus loans in order to make the payments something I can afford. However, every time I tried to call Navient the customer service was busy or could not help me at that time. I had no idea when to start repaying my loans or how much I needed to pay because the loan servicer never replied to my questions or got in contact with me. I have been out of school for a year and two months ago I received the first letter from Navient telling me that my loans were in default and I owed {$1700.00} as my monthly payment. I contacted them and they said that they had reached out to contact me and heard no response. That is a lie because I never got any e-mails or mail from Navient regarding my loans. I paid the amount that they requested in order for my account to be up to date, however I am unable to continue to pay that amount each month as it exceeds my monthly income. I am in desperate need of loan consolidation or else I will be on the streets soon as this is insane to be paying more than I make every month because an employee at Navient is unable to take the time to do their job correctly and help me consolidate my loans and put them on a payment plan that I can afford. Instead this company is making a stressful part of my life that much harder and is putting me in an extremely severe situation. Navient is a horrible company and should be shut down.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have several consumer loans I am making payments on that XXXX  refuses to report. According to the FCRA, if a consumer report is inaccurate or incomplete, it must be corrected and made complete. I have reached out to XXXX  on several occasions, to no avail. My inaccurate consumer report is credit score is tarnishing my personal reputation and causing me mental anguish.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MA)

Back in XX/XX/XXXX. I lost my wallet with my drivers license and credit and debit cards, I reported an unauthorized charge to comenity and they opened a dispute for the charges on XX/XX/XXXX for XXXX in the amount of {$630.00} and XX/XX/XXXX XXXX XXXX in the amount of {$100.00}. They returned the money back to my card and sent a new card to my address on XX/XX/XXXX they added the charges back to my card saying I was responsible for it because according to them I presented my ID when picking up items at the store. Since I lost my entire wallet obviously the person who charged my card also used my drivers license. I requested the case to be reviewed and at the moment the charges are not back to my card and I refuse to pay something I did not authorize. per card agreement I am not liable for charges I did not make. I also received a letter dated XX/XX/XXXX where states AFTER OUR THOROUGH INVESTIGATION OF THE CLAIM, WE HAVE CONCLUDED THAT YOU ARE NOT RESPONSIBLE FOR THE DISPUTED BALANCE AMOUNT ON THIS MASTERCARD ACCOUNT. Please find attached a copy of the letter sent.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (NY)

In years past I had an account with Bloomingdales who was serviced by DEPARTMENT STORES NATIONAL BANK. I moved a few years back and in moving lost the debit card that my auto-pay account was linked to and having a new address, I never received a bill. I spoke to a representative from DSNB at XX/XX/2017 and explained the situation. In 5 years of having an account with Bloomingdales, I never fell behind until the move. During the conversation with the representative, she recommended that I write a letter to Bloomingdales Billing Dispute department explaining what happened and to ask for forgiveness and removal from my credit report altogether. I did in fact send the fax to XXXX on XX/XX/2017 at XXXX EST. 

I followed up with a call to XXXX on XX/XX/2017 at XXXX EST to verify receipt of the fax/request. I was told, yes, the fax/request was in fact received and upon further review, DSNB/Bloomingdales was going to honor my request and submit a complete removal from the XXXX credit reporting agencies. I then asked for an updated mailing address for the letter of removal because the address on file was my previous XXXX address. 

I received an alert via XXXX that the account was updated but the balance was reduced giving the impression the account remained open but now having a balance. In discovering I fell in default by checking my credit report at XX/XX/XXXX due to a credit card application being declined, I reached out to the agency handling my account and paid the settlement amount. 

I 've yet to receive the letter of removal that I was told to expect ( reason for the updated mailing address on XX/XX/XXXX ) and am confused as to why I 'm now being told that after being promised removal by DSNB, I 'm being told by Citi that it will show as a settled account. There is in fact history of my calls and showing the dates I 've stated and I 'm well aware that the calls are in fact recorded so there should be proof of the conversation and fax receipts. 

Attached below is the original fax that was sent on XX/XX/XXXX to further validate my request and need for communcations.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

Was talked into getting massive amounts of loans when I enrolled, was lied to about the amount I was taking and was not assisted with finding a career that would allow the ability to pay off the loan. Attempts to renegotiate or reduce payments resulted in being told only options are forbearance for up to 3 months at a time. When attempting to add additional payments or trying to pay off specific loans, funds are split between loans seemingly arbitrarily even when specifying that payment should only be going to one, and XXXX/Navient will change due dates of payments without ample notice, resulting in late payment.
Consumer complaint received 2016-09-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (AZ)

Received fraudulent payment demand from First National collection bureau, INC.. sparks, NV. 
Received fraudulent payment demand from FNCB dated XXXX/XXXX/16 for an balance of {$130000.00} indicating that the current creditor is XXXX XXXX XXXX XXXX, NONE Of these companies are on my credit report. or ever were. and I would like to dispute it. 
Ref # XXXX / XXXX XXXX Bank XXXX Account XXXX. Original Account XXXX. I do not have any accounts with any of these companies, and would like this company to cease and desist all collection activity immediately, including mail and phone. I would like written documentation stating that this collection activity has been terminated and verifying that all credit bureaus have been notified, effectively negating/removing any negative reports regarding this fraudulent claim for my records.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

My husband and I are trying to pay off our mortgage. We made a payment XXXX in XX/XX/XXXX to go to principal only. They only applied XXXX to principal and the rest on insurance which makes no sense because our insurance is through the payment and is up to date. I called and the representative said that was a mistake and it was fixed and would show up on the account in five days. So when I called back in five days it was not fixed. She told us that the request was put in but never completed and she would put in another request and would take another five days! We have been trying to pay this off since XX/XX/2016! We have gotten the run around for months and we have been lied to over and over. We have had this loan for over twenty years so we sent in a offer to pay the loan to see if they would take less. We were told they approved this offer then they ordered XXXX appraisals of the property. After some digging we found out that they only do appraisals in a foreclosure. We called back only to find out that not only was the pay off request not sent in also the lady we talked to does n't work there any more. We are at our wits end and need help. Thank you
Consumer complaint received 2020-04-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX  enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2017-02-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: YKS Acceptance, Inc. (CO)

XXXX CO - I purchased a truck from XXXX XXXX XXXX when they would finance the warranty. I have not received payment for the lawsuit filed on them to repay individual who were subject to this financing. When I called XXXX they stated they did not know what I was talking about. How do I proceed to get my refund from them?
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Navient Solutions, LLC. (NJ)

PCR wh a private company collection agency. I owed some back taxes to NJ. I got a notice from the State. I paid it! 
Then PCR said I also owed a penalty to the State BUT they also added on {$3000.00} for collection to them, PCR. 
I feel this amount is outrageous!
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

I have been trying and trying to get this judgement off of my credit report with Equifax or at least mark as paid, I have the receipt and Equifax is not doing anything. This is affecting my credit and I 'm really not understanding what else needs to be done. Please see the attached documentation.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NY)

in 2011 I opened a trial account for {$1.00} with Experian - Acct # XXXX XXXX XXXX I have been billed XXXX since then. I have never used the account. 
I had no idea I was being charged. They refused to refund anything more than the last month. This is fraud,
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (VA)

In reference to complaint # XXXX, Seterus quoted the following : " if Borrower is obligated to pay Escrow Items directly ... Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section XXXX and pay such amount and Borrower shall then be obligated under Section XXXX to repay to Lender any such amount. ". This is not valid in my case. Because, I am under monthly payment arrangement with the County of XXXX to pay my property taxes. Therefore, 'Borrower fails to pay the amount due for an Escrow Item ' does not apply in my case. XXXX mortgage probably recognized the mistake, and did not open a regular escrow account in which they will make the payment of property taxes as part of monthly regular mortgage payment. XXXX mortgage payment resulted in excess payment of property taxes and the County of XXXX returned the excess payment to me. Seterus also made the same mistake and failed to check either with me or with the County of XXXX whether there is any payment arrangement. Seterus ignorance of XXXX actions and their own failures to verify the status of property tax payment arrangements, they opened escrow account resulted in serious financial damage.