davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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. (NY)

Afte

r purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MN)

I have checked the closest options but I will tell you my real issue. I applied for the Federal Public Service forgiveness plan. I am a XXXX in a XXXX XXXX XXXX and have fulfilled the requirements to receive this forgiveness towards my student loans. I believe that I am eligible to have {$17000.00} deducted from my student loans. I am an XXXX as a XXXX XXXX XXXX. 

I was denied because of past outstanding payments to my student loans. I will say that I have worked very hard as a XXXX  and was put into an unfortunate situation where payment of my loans was difficult. I have utilized forbearance and deferral to get past this issue. I have since paid off my student loans that I incurred when I initially attended school beginning in the early XXXX XXXX. The student loan debt that I now have was incurred as I obtained new licensure as a XXXX XXXX and then as an XXXX XXXX. 

I have been unable to completely pay off this debt and part of the reason I did incur this debt is because my husband lost his job in XXXX due to the economic upheaval that was happening at the time. He had a very good job that paid a very good wage. The company he worked for closed its doors. I would have never obtained student loans if my husband had not lost his job. I would have had the financial means with which to pay for my continuing education. 

I think that this system should be reevaluated and that each person 's situations should be accounted for. I have fulfilled the obligation of XXXX  in a XXXX XXXX XXXX, that is where all my XXXX  has occurred, and I am a highly qualified XXXX of XXXX. I would love for my entire student loan debt to be forgiven but will be more than happy to accept the minimal forgiveness of {$17000.00}.
Consumer complaint received 2020-10-07
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: TRUIST FINANCIAL CORPORATION (TX)

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2020-10-07
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. (TX)

Hello, My FICO score dropped by 43 Point just in a Day on XX/XX/2020. I was excellent FICO score person and it was big drop without any big reason. I have not applied for any Mortgage or Loan Just I applied a XXXX Credit Card. I feel Experian intentionally dropped 43 point FICO score just because of this so that I can take some services from them to improve my FICO score. Please help me to correct my FICO Credit Score. Thanks
Consumer complaint received 2023-04-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank to take advantage of high yield savings account. 
On XX/XX/XXXX I received an email from citi bank that my account had been closed : Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. 
As a result, your Citi ( R ) Accelerate Savings account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 
With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. 

I called and they were unable to provide any information except that large transfers sometimes triggers and automatic account closure. They said I should file a reversal with my XXXX XXXX XXXX or wait 60 days. I filed a reversal with XXXX XXXX and they said because the funds were intentionally sent that I would have to wait and deal with citi bank. 

On XX/XX/XXXX, I contacted citi bank to ensure that funds would be issued promptly and they said they would take 5-7 days to issue a check and they had the correct address. On XXXX I still had not received a check so I contacted them to see what was going on and was told they would not issue my funds back to me and that XXXX XXXX needed to request the return of these funds and that no check would be mailed. XXXX XXXX told me they had already completed this process and that it was not their responsibility and that I should take it up with Citi bank to get my funds returned. Now nobody at citi bank will give me additional information on how to get my funds back and XXXX XXXX has said they have done all they can do. 

This is a large amount of money for me and I need access to these funds. I'm also currently not working due to recovering from XXXX from XXXX XXXX XXXXXXXX and this is threatening the financial security of my family.
Consumer complaint received 2020-09-19
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a dispute No. XXXX to Capital one for a transaction made on XX/XX/XXXX for a Hotel Reservation refund in the amount of $ XXXXCapital One denied the dispute and close the dispute. I made Hotel Reservations with XXXX  XXXX XXXX XXXX for a Hotel Reservation in XXXX, XXXX for a stay from XX/XX/XXXX to XX/XX/XXXX. Due to Covid- 19 all traveling was banned. I reserved with the right to cancel at anytime. I cancelled on XX/XX/XXXX. XXXX offered me a voucher for future use which I did not accept it, and I asked for a cash refund to my credit card. It has been 130 days since I requested the refund without success. Eventhough,  XXXX sent me an email on XXXX XXXX stating they were going to process the refund and it was taking a minimun of 60 days to process the refund, I have not received a refund. I made a dispute with my card issuer-CApital One and sent all the documents that proof the purchase, the cancellation and the conversation with the merchant, but Capital One is not accepting all of this proof and stating that I did not comply with their request to send a refund voucher IF I have one from XXXX. How am I going to have a refund voucher if I am not even able to contact this merchant by phone, by messages, or by email anymore. XXXX  has not even processed the refund after 130 days of my request. CApital One is not protecting me as a consumer for a merchant that it is clearly unscrupulous. Capital One states that XXXX is making a suitable alternative by providing me with a voucher for future use. It is my understanding that Visa Guidance to card issuer states that a merchant should process a refund promptly if the cardholder declines to accept a voucher for future use. I can't contact the merchant. I am not getting help from Capital One which it is my understanding is as LIABLE as the merchant for a service not provide and a refund not even process. According to my Cardholder 's Agreement with Capital One I have the right to an Arbitration Claim, but they are simply  finding all kind of excuses to end this dispute as soon as it is possible. I clearly sent to Capital One the writing conversation with the XXXX 's representative IMPLYING that they were going to process my refund. Capital One should accept this statement as a proof of acceptance from XXXX to make a refund. I made a complaint with Capital One but XXXX ( Supervisor ) stated that even filing the complaint, Capital One was not going to do anything else. It is my right as a Capital One/VISA cardholder to be protected under the Consumer Protection Act of 1986.
Consumer complaint received 2021-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

XX/XX/XXXX SunTrust Mortgage , Inc . 
Attn : PMI/ MIP Processing Department VAXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX ( XXXX ) XXXX I have spoken to XXXX XXXX ( Case # XXX ) about my SunTrust Mortgage Loan XXXX XXXX and I was advised that with refinancing the recently appraised value in the contract can be used for waiving PMI, and PMI should be waived if the LTV is below 80 %. They also pointed out that I have refinanced just recently in XX/XX/XXXX. XXXX XXXX further advised if confirmation of the home value is needed due to dropping prices in the home market, an XXXX can be done. I am requesting my PMI to be waived with SunTrust due to my LTV being at {$320000.00} ( Current Loan Amount ) / XXXX ( Appraised Value Listed on Refinance in XX/XX/XXXX ) ) or 79.7 %, and this is my second request. I have put in a written request on XX/XX/XXXX to have my PMI waived and have yet to receive a formal response. 

I also want to point out that home prices are not decreasing since XXXX but are increasing based on the FHFA HPI ( fig.1 below ) that increased 1-2 % in the XXXX and in XXXX XXXX between XXXX XXXX XX/XX/XXXX. In addition, after reviewing some of the data from one of the most accessible appraisal sites, XXXX, I was able to see that my property is now estimated at {$470000.00} ( fig. 2 below ). The home value at XXXX is an increase of 15 % from the value listed on the XX/XX/XXXX refinance with SunTrust and would put my LTV to 69 % ( well above the requirements to waive the PMI ). 

I do not know why i can not receive the support we all deserve when calling SunTrust. I called them at least several times asking for clarity and for confirmation between the months of XXXX. Last I spoke to their agents on Friday, XX/XX/XXXX I was finally advised that their back office is working on a rejection letter for my PMI request and that i need to get an appraisal that can cost me between $ XXXX dollars. It seems like this PMI process is being dragged across in order to ultimately get more money from the customer.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (TN)

I received a phone call the other day and I was informed of a credit card that I had no aware of. They said they were a law firm and if I did not pay the debt by Friday ( XXXX XXXX ), they threatened to take me to court. I am not responsible for this debt and would like something done about it.
Consumer complaint received 2023-03-29
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. (WI)

It is the XXXX XXXX agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Experian is reporting 2 inaccurate late payments for the XXXX XXXX XXXX DC with account number XXXX. This includes late payment 30 days from XXXX XXXX, 60 days late payment from XX/XX/2017, these are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C. 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these - late payments resulting in Experian violating my Federally protected consumer rights. To add to this, I did not give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, thus violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2020-10-07
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 sent my initial dispute request to TransUnion on XX/XX/2019 via certified mail. I disputed items and there are still errors on my report. Example : TransUnion continues to report an account with an invalid address that doesn't belong to me. XXXX XXXX XXXX XXXX # XXXX. Also I've won an Identity Theft case regarding XXXX XXXX and I've provided proof but TransUnion is still reporting it. I've attached the court dismissal. Both XXXX and XXXX  have deleted XXXX account. Further, I've notified TransUnion of my Identity Theft by providing a Federal Trade Commission Identity Theft report and a copy of my Police Report as instructed under Section 605 of the FCRA yet TransUnion still continued to ignore my information. TransUnion did not comply with Section 605 of the Fair Credit Reporting Act and did not " block '' or " delete '' the items. The following accounts should be deleted immediately : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  and XXXX. Department of Education, and US Department of EducationXXXX XXXX. I have certified mail receipts of over 5 Letters I have mailed to TransUnion to correct the errors on my credit file. Please make sure they adhere.
Consumer complaint received 2022-06-03
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)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from USDOEXXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with USDOE/XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2020-10-07
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. (NJ)

Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus Experian, XXXX, XXXX. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (VT)

Today, 8 days before closing, I got a call from my realtor today about a hiccup in the loan process. Naturally, I was very confused. She explained that something had happened, and now my husband and I were no longer eligible for our loan. I freaked out a little and texted our loan officer who did a very poor job of explaining via text that there was an algorithm update, and thats just how it is. I spoke to him on the phone later, and he clarified : The bank ( Homebridge ) runs the loan through an algorithm provided by XXXX XXXX, and this algorithm gets updated fairly regularly. What seems to have happened is that the previous version of this algorithm deemed us worthy, the update happened, the bank finished the underwriting process and ran the loan through the NEW algorithm, and even though NOTHING has changed on our side, the code has now deemed us unworthy, as of XX/XX/XXXX. Our loan officer told us he and the real estate lawyer have been on the phone with XXXX XXXX for the last 3 days trying to figure out whats going on, and no one at XXXX XXXX can figure it out either. No one on either side of this process can identify a single thing that change our eligibility EXCEPT FOR THE UPDATE IN THE ALGORITHM. Now, the ONLY way we qualify is if we double our down payment from 5 % to 10 %, which raises our closing costs to $ XXXX. There is no way we can come up with $ XXXX in a week or less, and since we're currently renting, we might end up homeless if our landlord has rented out our unit without telling us.
Consumer complaint received 2020-09-03
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. (MD)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out.

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (AR)

CEASE FURNISHING OR RE-SELLING XXXX  XXXX DATA OR REPORTS, WE ARE IN THE PROCESS OF SUING THEM ALONG WITH MANY OTHERS IN CLASS ACTION LITIGATION FOR XXXX XXXX.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A. (GA)

I attended a XXXX  about Real Estate business and gave the XXXX XXXX XXXX XXXX XXXX my confidential information in hopes that they would give me some terms to elect from in order to be taught and trained by their XXXX XXXX XXXX, Not only was I never given any training but the XXXX XXXX XXXX XXXX XXXX created fraudulent Credit cards in my name totaling over $ XXXX, where I was told that the training I was interested in was less than XXXX. I was under the impression that they had their own financing program and that I could pay as I was taught. I never was told that they were going to fraudulently apply for over XXXX of credit cards without my authorization or knowledge and then forwarding XXXX dollars into their own account. 

The account I am reporting here is the PNC Bank. I have attached a copy of the statement where I received a newly acquired credit card having a $ XXXX withdrawal made into the XXXX XXXX account by the XXXX XXXX XXXX XXXX XXXX See attached ( PNC_ReceiptForFraudulentAccount.pdf ). I made repeated attempts to get the XXXX XXXX XXXX to resolve my fraud situation or resolve my fraud situation, but to no avail. 

I then took my documentation to the XXXX  XXXX XXXX because I am a Senior Citizen of 68 years of age and this criminal act has robbed me of my life 's savings and all of my XXXX and XXXX XXXX XXXX represented me for free under their XXXX  XXXX XXXX program for free.. XXXX XXXX XXXXXXXX , under the assistance of Attorney XXXX XXXX , fought my case and won!, but the PNCBank still would not respond to my attorney.s inquiry. See Attachment ( XXXX ). Attorney XXXX has since taken anew job in the private sector and could not proceed with representing me against the PNC Bank. She recommended that I seek assistance from the CFPB which is why I am appealing to you. 

Here is thanking you in advance for any assistance you may provide me with in hopes of helping me resolve this horrific nightmare, I am really struggling to pay these extreme payments and I don't know how long I can continue to do this without my health completely failing. I will be glad to assist you with any questions you may have and do not hesitate to contact me for any reason at ( XXXX ) XXXX. Thank You. 

Respectfully, XXXX XXXX.
Consumer complaint received 2020-01-15
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. (OH)

XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX accounts showing on my credit report were all placed in bankruptcy XXXXchapter 0n XX/XX/2018 and I was authorized user not. They should not be show on my credit report as still open and delinquent. Are Affecting my credit Score