davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2020-02-21
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. (MD)

I attempted to pay XXXX in full beginning in XXXX. I verified with customer service multiple times that they would accept a savings account that I had that had an account number and routing number to pull money from. Every month I would call back and check in on the updates because I am in the process of buying a house and paying off debt. As a recent college   graduate, this is something that I am working aggressively on. Every month I would be asked to give them my account and routing number again to attempt the payment over again. This continued until XXXX when I ended up having to give XXXX my checking account instead of my savings account despite the reassurance from XXXX that they could use a savings account. My bank also confirmed that this account was compatible to pay bills and I had paid several bills from this account. XXXX told me they attempted payment so many times that they had to date the payment for XXXX and that they would remove all late payments and report to the credit bureaus that the late payments were XXXX fault and they should be removed. I called again on XX/XX/2020 and XXXX told me they would report on XX/XX/2020 and I should see this reflected. I called again on XX/XX/2020 and XXXX told me that they attempted to report to remove my late payments and they were denied despite my many months of being told that it would be removed. I was rudely told that there was nothing I could do and that it was my bank 's fault even though I had spoken with my bank before using this account and my bank was given no notice that there were issues with XXXX XXXX obtaining payment. I was told over the phone they could not do anything for me and that the supervisor that told me in XXXX they would remove the payments would not have said this despite being on a recorded line. The supervisor I spoke to on XX/XX/2020 also began twisting my words around to try to put the blame on me and not the fact that I have been attempting to pay them over the past several months.
Consumer complaint received 2020-02-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (CA)

I have had multiple contacts by email and phone ; some dates there are more than one call/email. I sent written notice, by email XX/XX/XXXX ( and a reminder XX/XX/XXXX ) that due to financial hardship, I would need to stop ACH payments, and payments would be sent by mail. I understand they had two days to honor my written notice to stop ACH payments. On XX/XX/XXXX, {$390.00} was taken from my account, so I promptly contacted Lending Club. During these contacts, I keep getting told different information, and as of today ( XX/XX/XXXX ), I  have not received the funds back yet. They have sent me a bill stating I didn't pay XXXX, when that is not true ; they took the amount on XX/XX/XXXX after I sent my written notice to stop payments. I have had calls on XX/XX/XXXX ( where I was told I would receive it back by XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I decided to correspond by email after that, in order to support a more complete written record. Emails were sent back and forth on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, 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. I keep getting told different versions of their resolution ; they'll send it back to me electronically & you'll get it, oh wait - we can't send it back electronically because you stopped ACH ( & no way to reactivate it to have the funds sent back electronically ), we'll mail a check, the check was mailed XX/XX/XXXX, then still not received, you should have it by XX/XX/XXXX ; we mailed it XX/XX/XXXX, then generic responses indicating it takes time for mail to be received ... Yet I received a billing letter dated XXXX. I was told to wait until XX/XX/XXXX, then contact them again. As it was not returned by XX/XX/XXXX, I emailed again, and received a generic response. As of today ( XX/XX/XXXX ), the amounts that should never have been taken have not been returned. During these multiple contacts, Lending Club has no concern that the amount should not have been taken per my XX/XX/XXXX notice, and has not made a viable attempt to provide resolution. I indicated that as I have not received support and resolution, I would need to request help via filing complaints I have detailed notes of dates/times & content of phone conversations, as well as emails back and forth. I'm not even seeking the funds caused from lack of funds in my account ( causing overdraft fees from my account becoming overdrawn ). It has been over 4 weeks. I would simply appreciate Lending Club honor my initial email XX/XX/XXXX indicating that as I am having a financial hardship, return the original funds that should never have been taken from my account on XX/XX/XXXX. I was not able to find a way to attach all of the emails sent and received ; I can provide copies of these as needed ; if needed - please let me know where I can send them.
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (NC)

Account has been paid I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off.

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (MO)

Please remove the account from my credit report..I have no business transaction with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (MO)

Where do these accounts come from? I have no business transaction with any of these accounts. The account should be remove because they don't belong to me..XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, XXXX/XXXX XXXX
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

We have had a Lowe 's credit account since XX/XX/XXXX and always paid our monthly payments on time. In XX/XX/XXXX we purchased a refrigerator with zero interest if paid off in a certain period of time. Due to health issues, I was only able to pay the minimum due each month. The process was not fully explained at the time of purchase. They did not tell us that the full interest during that time would become due. We were just told we would not have any interest until after that time frame. After the promotion period ended our monthly payment doubled ( compounding interest ) and to add insult to injury they closed my account. I have been a loyal customer with excellent payment history. From that point till now we are paying about {$80.00} each month, only {$30.00} is going to the principle and {$50.00} is going to interest only! I have tried speaking with their credit department and they refuse to work with us to pay this off unless we pay the full balance at one time. They claim the only thing we can do is let it go to collections and then that department would work out a settlement. Ultimately we have to ruin our credit just to settle this account!!! Then on top of it all, we've had several insurance claims against this refrigerator, Lowe 's refused to use their warranty and we had to use our personal home warranty plan plus deductible and we've only had this refrigerator less than three years! 
XXXX model # XXXX
Consumer complaint received 2019-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

I have been paying on my loans since 2010 and the balances have barely decreased. Tried to make arrangements and the still closed one of my accounts. They have been calling me and my dad ( co-signer ) about late payments even after I paid on the balance. They sent me a repayment amount for the only open account, which I have been paying, and still send emails saying I am delinquent and owe more money. The system will not allow me to make payments each month even though if it is above the amount my monthly payment is. They now tell me I have to pay on the closed account because they still collect money for it even though I have sent money to the debt collector my account was sent to. I have asked for statements and monthly payment requirements but get different answers each time I call. They still have not sent all my statements for all loans, what Ive paid, & the balances due. I cant get into the account online. It always says The account is disabled. I have asked on several calls to them for this to be corrected but they have not fixed the problem.
Consumer complaint received 2019-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ME)

I recently filed a complaint on XX/XX/19 with the CFPB ( complaint # XXXX ) which has been closed. I have attached a copy of my original complaint for your review. I do not consider this matter closed as the response from the company is not valid. To make a long story short, Rushmore Loan Management Services has refused to pay an incentive which was offered to me for completion of the Deed in Lieu process ( additional details can be found in my original complaint ).

The response provided by Rushmore 's loss mitigation department was simply that it was a requirement of the offer that the house must be left in " broom swept clean '' condition. As part of my original complaint, I attached an email from my loss mitigation representative, which addressed this very matter before the process was completed. Upon receipt of the offer, I was concerned with this issue because I did not have the financial resources to clean the house. As you will see, she assures me that the offer is a " generic '' letter and that the investor has already agreed to accept the house " as-is '' and the condition of the home will not affect my ability to receive the incentive. She stated that the property had already been secured and this would not be an issue. I have again attached a copy of this email for your review. 

This process cost me time and money. Not only did I miss days at work to deal with issues at this property over the 6 years the banks dragged their feet even thinking about getting the title out of my name ; I also had to pay an attorney to review the paperwork they wanted me to sign. Given that I had already been through a bankruptcy, I had no financial reason to follow through with a deed in lieu. I simply wanted this to be over and was counting on these funds to make up for some of the financial burden I had incurred over the past 6 years. 

The practice of offering incentives to individuals that are obviously having financial difficulties and then attempting to create a " loophole '' not to pay them is clearly an " unfair and deceptive '' act or practice which falls under the scope of UDAAP. Rushmore should be held responsible for this practice.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

I erroneously sent my mortgage payment to my credit card company on XX/XX/XXXX. I sent {$2000.00} and only owed {$160.00} at the time ( statement balance ). When I reviewed my account on XX/XX/XXXX I immediately called my bank to see if the payment could be recalled and it could not. So, I called the credit card company and they stated that the payment had to clear before a refund could be processed. I called back the following business day and was told that I had a new pending charge of {$76.00} that needed to clear before the refund could be processed. I then called back the next business day and was told that it would take 21 days to process my refund. This is an excessive amount of time to electronically refund my over payment. I have always handled my account appropriately and the money was transacted in their favor in 1 business day. I need my money rightfully back so that I can pay my mortgage. I tried to resolve this with XXXX and it's as if they are not listening at all. They keep reiterating that the payment will be returned in 21 days. This is an unreasonable timeframe to electronically refund my money. I work for a XXXX XXXX and 3-5 days is an appropriate timeframe. I now can not pay my mortgage. XXXX charges me interest when I hold their money. Are they going to pay me interest for holding my money? I need my money back immediately.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

This debt became late back in XX/XX/XXXX. The bank then update the credit file to indicate the account was in good standing XX/XX/XXXX. No payment has been made to bring the account back into good standing. This debt is more than 7 years old and remains on the credit file. I would like to have the payment history properly reflected. I sent a dispute through the credit company and they date was updated to XX/XX/XXXX incorrectly
Consumer complaint received 2019-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Massachusetts Educational Financing Authority (MA)

I was filing my taxes in late XX/XX/XXXX and needed to know what student loan interest I paid for XX/XX/XXXX. On the XXXX XXXX XXXX website, it alerted me that my tax information was available. When I clicked on that, it told me it would actually be available in late XX/XX/XXXX. I called XXXX and they informed me that only my father, the primary borrower had access to this information. My father does not know his login or account information, so he could not access this information. After another call to XXXX, I learned they would be mailing the 1098-E form. 

My father received the 1098-E form, and the student loan interest paid is listed as one total number. My father is the primary borrower for myself and my brother, and there was no way to see what interest was paid for each individual loan. 

I tried to look at the payment history for XX/XX/XXXX so that I could manually add up the interest Ive paid, but the only history they give is the last payment received for each loan. I called XXXX  again today, on XX/XX/XXXX, and they confirmed that the 1098-E is not itemized. They also confirmed that I have no access to payment history, and that I have to request that payment history be sent by mail. The payment history will be arriving by mail in 7-10 business days. 

My student loans were sold to XXXX in XX/XX/XXXX by XXXX XXXX, so my father received a 1098-E from XXXX as well. This 1098-E has  itemized information for student loan interest paid with the loan number. The XXXX  website also does not list the official number for each loan, they just number them 1 or 2, so I cant even see what loans they are referring to. 

This lack of information available is frustrating and should be corrected. My other loan provider, XXXX, gave me access to the 1098-E, and also has a full payment history detailing what payments went to principal and interest. 

This is not my first issue with XXXX or their website interface.
Consumer complaint received 2019-02-21
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: EQUIFAX, INC. (MI)

XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from Equifax stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing Equifax and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (AL)

The company is called Gatestone and is based out of XXXX, AZ. XXXX XXXX is the only name of someone I spoke with that I remember. I receive calls at MINIMUM 2 times a day. My family memebers have each received several calls from this company and have told the company to no call back but they still do.
Consumer complaint received 2019-02-21
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. (NJ)

Hello all my accounts where paid in full but its not reflecting. its the 2nd month I'm going for a mortgage and it seems to not being updated. Please have the companies update my accounts on my credit report god bless XXXX XXXX  card : XXXX - available : # XXXX XXXX/XXXX  card  : XXXX -available : {$10000.00} XXXX/XXXX card : XXXX - available : {$8900.00} XXXX  XXXX card:XXXX- available : {$9000.00} XXXX  card:XXXX- available : {$5200.00} XXXX  XXXX  card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} XXXX XXXX
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (RI)

Please remove XXXX XXXX RHODE IS XXXX from my credit report..It is showing multiple late payments..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Consumer complaint received 2019-02-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Credit Adjusters, LLC (MO)

I paid XXXX XXXX  in full. 
This company tried to take another payment out of my account for XXXX . I  showed my bank that I paid the XXXX in full. The company sold my account to Nationnal credit adjusters and it ended up on my credit report showing I owe XXXX $
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (UT)

The late payments is inaccurate. I wasnt late 30 and 60 days for two consecutive months. how is that even possible? please remove the account. The XXXX XXXX XXXX  XXXX XXXX,
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

XXXX, XXXX  and Experian continue to report that I have 2 dismissed chapter XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a Chapter XXXX wage plan. Reporting that I have dismissed Chapter XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.