davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a Second written request in writing to Transunion Consumer Info Services, on XX/XX/2019, to have a copy of the original creditors documentation and signed contract on file. to verify that this information is mine. After the first investigation. I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails from the Transunion credit bureau that the account have been updated and verified and is still listed as an open reporting account. # XXXX XXXX  XXXX XXXX XXXX {$730.00}
Consumer complaint received 2019-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: COAST PROFESSIONAL INC (TX)

Coast professionals inc is the name of the debt collection agency who took oher my account. They basically asked me for all my personal information. I complied, and basically they are saying that all my XXXX dollar monthly payments have been over turned and werent accepted. Which is weird because I sent a fax with my credit card, routing number and account number and had at least XXXX bucks on the card and they didnt take any payments out. Very strange. Then they told me in 9 months my account would be in good standing if I maintain the XXXX dollar payments each month. So I recently talked to them and they told me they have to get me into another program since the payments never went through, them fed ex me and big packet with more personal information to fill out and send. I dont understand whats going on.
Consumer complaint received 2019-09-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA (CO)

Some time around XXXX of 2018 I was sent a letter in the mail from a company called XXXX stating that I could qualify for student loan forgiveness. Being how paying off my loans has been a huge struggle for me ( as I do not make as much money in my career and have a lot of necessary bills ), I called the number on the letter just to get more information about it and see if it was something I should look into. I called and spoke to a man named XXXX XXXX. He stated that he would calculate all of my monthly payments and see if he can get my payments down to XXXX/month. I was told my loans would be consolidated and then transferred to a different company ( from XXXX XXXX to Fedloan ). I then gave him all of my monthly payments in which he calculated them. Afterward, he ensured several times repeatedly that my monthly payments would be XXXX and that I qualified based off of my monthly bill calculations. I was told I will have these XXXX dollar payments for 20 years but still have the loan debt on my record, then my loans would be forgiven and wiped away after the 20 years as long as I reapplied on time each year. I do recall him seeming pushy and wanting to sign me up right away. I told him this is something I needed to think about, do some research and discuss with my boyfriend. He then stated there was a deadline and I would need to sign up for it now/asap or I will not have that opportunity anymore. I did hang up without committing to anything just yet and over the next month I asked as many further questions as I could through e-mail, a few more phone calls to XXXX and through discussion with my boyfriend. I remember asking how this would affect my credit, and also asked if I had any other opportunities come my way if I would be able to make a change or if this was a definite commitment ( I remember him kind of laughing and then I was then told " I will never receive an opportunity as good as a XXXX dollar monthly payment '' ). Everything then looked and sounded legit so I decided to sign up for it. I made a " one-time '' payment via credit card of XXXX in which I have proof of on XX/XX/18. I also do have saved e-mails for documentation with him and a few other members of the party : XXXX XXXX, XXXX XXXX and XXXX XXXX. When I went to reapply this year I put in all of my honest information regarding my family size, etc.. and thought it was odd when it said it did not match up with what I put in previously. I then received a XXXX/mo increase from XXXX for my payment with Fedloan and suspected there was a mistake. I then called Fedloan to look into it and fight the pay increase ( given what I was told previously ) just to find out that I was lied to from the beginning, had money stolen from me and that my information was falsely entered by the XXXX company against my knowledge just so that I can see the XXXX dollar payment. I was then given the FTC website to file complaint and receive refund.
Consumer complaint received 2019-09-17
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. (CA)

XXXX, which recently changed their name to XXXX XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently. 

1 ) XXXX/XXXX/XXXX XXXX has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) XXXX/XXXX/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points.

3 ) XXXX/XXXX/XXXX XXXX has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number SDG, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of XXXX XXXX.
Consumer complaint received 2019-09-17
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. (CA)

XXXX, which recently changed their name to XXXX XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently.

1 ) XXXX/XXXX/XXXX XXXX has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) XXXX/XXXX/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points.

3 ) XXXX/XXXX/XXXX XXXX has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number SDG, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of XXXX XXXX.
Consumer complaint received 2019-09-17
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 — Was not notified of investigation status or results
Company: AmeriCollect (GA)

On XX/XX/2019 I got collection record in my XXXX XXXX  report. It was {$110.00} amount they reported as a collection but I was not even informed before they did this and other person from XXXX XXXX   called and I already paid them money. I don't know why did they put it for collection. I want to dispute on this collection record.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (KS)

1 : On XXXX XX/XX/XXXX I signed a contract with XXXX XXXX through The Home Depot to replace my Air Conditioner for {$4700.00} with 2 years no interest. 
But on XX/XX/XXXX the home depot consumer credit card charged me all at once instead of spreading on 24 months. [ Refer to A-4 ] Then my bank account bounced costing me :  Several hundreds of dollars in NSF charges, cashiers check and lost wedge from work. [ Table part 2, attachment B ] Then I filed complaint to XXXX on XX/XX/XXXX ; The Home Depot must refund me the money I lost and take responsibility for any future financial charges associated with this case. 
And case closed without any agreement on XX/XX/XXXX. [ Downloaded complaint ] The Home Depot refer the problem to Citibank and the Citibank answered the auto pay system caused it. So, they blame me ( their victim instead ) not to have fixed the problem. Despite my contact with their customer services at least twice to address my concern and sought help. 
As I investigated later ; I found out the same thing happened in XXXX promotional purchase of a refrigerator for {$1300.00}. 
I was continuously charged deferred interest for more than 3 months after full payment. [ C-1 to 6 ] 2 : The agreement with XXXX XXXX through The Home Depot and the letter from The Citibank specifies no interest if paid within 24 months. 
But why should I have to pay, the so called deferred interest? [ Table, B1, C1 ] I found this a lie and deception. 
Why didnt The Home Depot Credit Card personnel mention earlier or help me, as I contacted them at least twice to express my concerns ; after I saw the posted balance notice [ A-1 ; onXX/XX/XXXX & XX/XX/XXXX ; A-4 to 6 ]. 
What they later said the autopayment has caused that, and blaming me? 
3 : My checking account bounced costing me money, time and daily life routine disruption.

4 : The Home Depot and Its consumer credit card handler The Citibank of South Dakota. 
5 : Customer Service PersonneXXXX ; XXXX in XXXX KS store, XXXX XXXX XXXX from XXXX XXXX XXXX.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/2019, I went to my appointment at the Bank of America branch located at XXXX XXXX XXXX, XXXX, KS, XXXX. The reason for my visit was to open a new checking account in response to an offer I received in the mail for a {$300.00} bonus after direct deposits totaling {$4000.00} or more. XXXX XXXX was the Relationship Manager who opened the account with me and I watched her type in the unique offer code from my mail offer so I would receive the bonus. My initial {$100.00} deposit receipt is attached show the account was opened and funded before the XX/XX/XXXX deadline for the offer. 

The terms of the offer stated I had 90 days to receive {$4000.00} or more in direct deposits. By XX/XX/2019 I had met this requirement and on XX/XX/19 I exceeded the requirement having received {$5000.00} in direct deposits by that date. 

One I had met the requirements of the offer, the terms stated I would get my {$300.00} bonus within 60 days. This 60 day waiting period was over on XX/XX/2019. 

On XX/XX/2019 I contacted Bank of America ( XXXX ) to ask about the status of my offer. The first representative who I spoke with ( I believe her name was XXXX ) said she did not even see the offer on my account. She then transferred me to XXXX XXXX in the preferred client division to looking into my account further. 

XXXX also did not see the offer on my account and I gave him my offer code as well as some other information so he could request an investigation from the marketing team. XXXX gave me XXXX as a reference number for the marketing team investigation as well as XXXX as the phone number to contact his preferred client division directly. He informed me the proper teams would look into the issue and if it was decided I was owed the {$300.00} bonus, they would mail me a check within 30 days. 

As of today XX/XX/2019, that 30 day waiting period has ended and I have not received a check/deposit for my {$300.00} bonus nor any other communications from Bank of America.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I RECENTLY SETTLED A OLD CHARGE OFF ACCOUNT WITH XXXX THAT WAS DUE TO FALL OFF MY CREDIT DUE TO IT WAS AN OLD DEBT FROM 7 YEARS AGO I AM IN THE PROCESS OF PURCHASING A HOUSE AND WAS ADVISED BY MY LENDER THAT THIS ACCOUNT WOULD NEED TO BE TAKEN CARE OF I CALLED AND SETTLED THE ACCOUNT WITH XXXX. I PAID AND SETTLED THIS ACCOUNT IN FULL AND FORWARDED THE LETTER TO ALL CREDIT BUREAUS TO REFLECT THE ACCOUNT IS SETTLED AND TO REMOVE THE ACCOUNT FROM CREDIT, I KEEP GETTING THE RUN AROUND THE CREDIT BUREAUS HAVE UPDATED WITH A BALANCE ON THE ACCOUNT WHEN IN THERE IS NOTHING OWED. THE ACCOUNT NEEDS TO BE DELETED.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

Been calling for about a week now.. I was trying to get National Credit System policy in write they refused to apply.. We have call about the debt we ask could we make a payment plan and XXXX XXXX said that all we have to do is make a payment and it would put us in a payment plan but to be honest the debt will be dropping off the credit in XXXX .. But we was try to still pay on it to show good faith about the account.. Well long story short we have talked to several people even the caseworker he was rude and very loud with us. Several of the worker was rude and always went back to its their policy that they dont not accept payment plan.. And when ask can you show me in your policy where this says that in a email they refused and when ask for a printout of the recording for each conversation we had with each employee about this debt the phone was hung up.. Tried call back the same thing we called like 20 times to get a response nothing and sent several email no response. So I need to know my next step..
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CT)

I learned recently ( by an credit score alert service ) that COMMONWEALTH FINANCIAL SYSTEMS has entered a collections account with two of the three credit bureaus, bringing my credit score down by more than 200 points ( on the one I can monitor ) I have been working very hard to get my score where it was, for this to happen all of a sudden and out of the blue. 
They claim to be collecting {$1200.00} for XXXX XXXX XXXX XXXX, XXXX but I called them and after checking they assured me they have never had any account under my name. This has to be a mistake. 
I have disputed this with the credit bureaus, but they haven't ruled in my favor, so I am entering this complaint. I don't recognize this debt, they claim it was originated in XXXX but I haven't gone to the doctor 's and not paid in a long time! Years. 
I got sick in XXXX with XXXX XXXX syndrome and my health insurance company back then claimed it was a pre-existent condition and didn't pay any of my bills, so I had to default on my credit cards and left all my medical bills unpaid. I'm thinking this could have been originated back then, maybe, but ... I don't recognize the amount, nor the provider, and if somebody sent me to collections about this I was never notified or given the chance to work something out before they did it. 
I researched this debt collector and they have a long history of buying old debt and re-dating it to try to collect, I don't trust them one bit. 
I think this is a mistake, I don't owe this amount to these people, I am asking this to be erased from all my credit reports. 
Thank you.
Consumer complaint received 2019-09-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (TX)

I have been trying since XX/XX/2019 to have Equifax to un freeze my credit report so it can be checked by loan companies to approve me for a VA XXXX. To this day my credit file remains locked, and I have lost over 20 home deals because my file remains locked.
Consumer complaint received 2019-08-23
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: CITIBANK, N.A. (FL)

Citi XXXX will not protect the card holder I placed a dispute on XX/XX/2019 and XX/XX/2019 : in the amount of {$260.00} / XXXX XXXX XXXX XXXX XXXX XXXX : the veterinarian NEVER examined by dog, and based on a cough said my dog had XXXX XXXX : Put her on seven different medications. My dog became XXXX  and did not eat for four days. 

I took her to another veterinarian, and was advised if I did not stop the medication I would kill my dog because she does not have XXXX XXXX nor is XXXX XXXX XXXX a XXXX. To diagnose XXXX XXXX there are test that need to be done : XXXX XXXX XXXX / XXXX XXXX body cavity and others : before doing theses test your dog has to have signs of XXXX XXXX with the following : XXXX XXXX XXXX, tiring on exercise / weight loss / XXXX XXXX, XXXX XXXX XXXX, XXXX discoloration of the XXXX and XXXX ; she none of these systems. 
XXXX XXXX XXXX took complete advance of me being worried about my dog and without sleep for 2weeks. What my dog had was bronchitis : When Citi XXXX dined my first dispute, I resubmitted it the dispute and requested they asked XXXX XXXX XXXX to provide testing for diagnose XXXX XXXX. Citi Costco refuses to request for it and said I should provide it. 

I then wrote to XXXX : they assigned by case to XXXX XXXX. 
This man had the audacity to give me advise, I did not know he was a therapist. 
He then says there not detectives and would not ask for proof of testing, I should provide from the other doctors in their letter head that she does not have XXXX XXXX. 

They want to further inconvenience the card holder and add me stress they I have had to get all these documents. When all they should do is ask XXXX XXXX XXXX for proof of testing. 

I have been a loyal customer and a good one, I can not say the same for Citi Costco : I want everyone to know that they will NOT protect you in anyway.
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (CA)

I'm having financial problems and have fallen behind on my credit card payments. On XX/XX/2019 Navy Federal Credit Union transferred money from my checking account without my consent to pay credit card debt. Can they legally do that?
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are XXXX criminal court citations on my background that is showing up only through TransUnion. I have no recollection of these incidents nor are they on any of my public records that I have obtained since being made aware of these false allegations. My name is also misspelled on XXXX of these citations. 

TransUnion is denying my claim to investigate these allegations because they claim I am not on the account. How can I not be on the account when it is showing up on my background check? I have been refused employment due to these false accusations that are unwarranted and can not be confirmed thru my own investigation.