davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
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. (FL)

I recently sold a home that was for sale through a divorce. It was on the market for about 3 years. I have been waiting and waiting so I could buy a home for my grandson and I. 

Just Monday, my account showed closed and paid on my Transunion credit report. I belong to XXXX XXXX, so I monitor my credit sometimes daily. I also noticed on Monday, my score dropped 45 points!!! On my Transunion report, the reason it showed was my Mortgage account was paid off. That seemed incorrect obviously, so I called on Tuesday to speak with them directly because I am trying to buy another home and this is going to impede me from being able to do so. 

When I spoke to them, they told me that with my mortgage, I had a " good mixture '' of accounts and now I only had credit cards and an auto loan. Also my mortgage account was 15 years old, so now that my mortgage had closed, my other accounts weren't as seasoned. 

I explained a FICO score dropping that significantly would be suggestive of a foreclosure ... ... my home was PAID OFF. I don't have collections, all of my accounts are in good standing ... ..I told him this was ridiculous and I wanted it taken care of. He told me the only thing they could do for me was to send me a free copy of my credit report. 

Last week I was offered a refinance for my car at 4.9 % and now that offer has changed to over 7 %. I explained to the guy that now Transunion is costing me money and in control of the interest rates I am charged all because I did something great and paid my house off!!! That doesn't make any sense. How many other people are they keeping from purchasing homes or vehicles? How many other people are being overcharged in interest because the credit bureaus are being able to determine their credit score unfairly?? 

This can't happen ... ... this inhibits our economy, our lives, and keeps us from being able to save money. This is unfair, deceptive, and fraudulent business practice.
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (IA)

This is what I know. 

After reviewing, please also see attachments. These are screenshots of emails I received from the company showing return of phone and cancellation of service, followed by a credit to my account for unused service. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ordered a phone and service from XXXX in XXXX 2015. When I ordered, I paid {$56.00} for the first month of service. I received my phone on Monday, XXXX XXXX. After using the phone for two weeks I decided to return it under XXXX 20 day return policy. I contacted XXXX and told them I was going to return the phone. They provided me with instructions which I followed. I mailed the phone back to XXXX and the processed a credit of {$56.00} to my account. 

I would like to add that the XXXX representative I spoke with about returning my phone assured me that this would satisfy my account with XXXX. I asked that the rep notate my account in case something like this might happen, which unfortunately it did. Maybe that notation can be looked up. I have tried to contact the company and credit agencies but I have n't gotten anywhere via those routes. 

I 'm not even sure what the {$710.00} collection is for. Did they not credit my device return properly? Did they not cancel the service when I called and requested cancellation for some reason? I 've attached two emails that I received from the company ( the one when I ordered and the one when they received my return ) to show that phone was returned in time and cancelled. 

This is impacting my ability to obtain credit and refinance my home, which is costing my family dearly. I believe this is an erroneous error on the part of XXXX that I would like resolved.
Consumer complaint received 2018-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I made a lump sum payment to be spread equally between my loans, But only one of my loans has received the payment. I have accrued interest on the others and there for have been forced in to a payment reduction plan that adds 15 years on to my loan. I spoke to a naviant rep in 2017 about this matter. I have not heard back and he could not explain or fix my account.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I applied online and was approved for a Fifth third credit card on XX/XX/XXXX. 

On XX/XX/XXXX two fraudulent charges totaling almost {$1400.00} were made on my XXXX card. According to the XXXX Rep, the charges were for airfare to XXXX via XXXX I've had to cancel the XXXX card. 

It seems like too much of a coincidence that the day after I apply for one bank 's credit card my other credit card gets hit with fraudulent charges. 

How can I be sure that Fifth Third or the credit reporting agency didn't leak my info?
Consumer complaint received 2018-05-31
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. (IL)

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being Transunion, XXXX  and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MD)

We ( My sister and I : Sister-On Deed/Not On Loan ) were given a payment arrangement, after the company ( Selene Finance ) stopped accepting our monthly payments. 

The POC ( XXXX XXXX-Point of Contact ) willfully made derogatory reports to my sisters credit bureau and stated that she was on the loan ; which she is not, so consequently she was not able to obtain a loan, which is why we are behind due to Selene 's derogatory reporting. 

This is the second attempt with a " Qualified Written Request '' to work with this company, which both times they did not properly respond. 

Selene Finance is liable for RESPA Violations, Fair Credit Reporting Act ( FCRA ) Violations, that have caused illness and stress to my sister ; which we've submitted doctor reports of them being liable for various damages and violations.
Consumer complaint received 2018-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have been trying to qualify for the PSLF program. I have worked in the non-profit industry for 12 years, all the while paying back my student loans. I have the correct loan type, the correct employment, have made over 120 payments since XX/XX/2007, and believed to have the correct repayment plan. XXXX thinks otherwise, however. They say I have made 1 correct payment in the past 12 years, but when I ask them to look into my repayment plan they don't provide me with any more information. I have asked for a list of payments, all the info they are working with, but get little to no response at all.
Consumer complaint received 2018-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have never been able to get a copy of my free credit report. I have to either purchase some form of fake credit protection, WHICH IS A MAJOR LAUGH, or I have to tell Trans Union what is exactly on my credit report. XXXX is always down and not function. All I want to do is get my free credit reports which I am entitled to by law and I want the right to print out my credit report. 

IT IS DUE TO THE ACTIONS OF THE CEOS OF THE CREDIT REPORTING AGENCIES THAT ALLOWED THE BREACHES TO HAPPEN. WE THE VICTIMS SHOULD NOT HAVE TO CONSTANTLY PAY FOR WHEN THE CEOS PLAY. 

I absolutely refuse to provide a copy of my drivers license or social security card or some other form of identification to prove who I am. These credit reporting companies should be investigated under the RICO statute due to the roadblocks they put up to keep the consumers from cleaning up the credit reporting agencies mess they created. 

I am a victim of identity theft already, so what more damage can be done to my credit report if I do not provide proof of my identity. I should not have to tell Trans Union what the XXXX is on my credit report since I don't know what is on it. I will say this and stay by what I am about to say. ISIS HAS MORE CREDIBILITY THAN THE THREE BIG CREDIT REPORTING AGENCIES. 

Click on this link and see what me and millions of people have to go through with the Credit Reporting Agency scams. 

XXXX XXXX XXXX
Consumer complaint received 2018-05-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I have had these loans since XX/XX/XXXX. I started repaying these loans in XX/XX/XXXX. I had to defer them a few times and now the interest is outrageously high. I have been paying almost {$400.00} a month since XX/XX/XXXX. My balance seems to only increase. I was put on an extended payment plan. When I signed up for that a few years ago, it showed that my loans would be paid off in XX/XX/XXXX. I have not changed any thing since, yet now they show they're not due to be paid off until XX/XX/XXXX. I can not keep affording this payment. Every time I've called them to do a consolidation on these, I've been told that I can not do that. I currently have 13 different student loans with Navient all with different interest rates. I have a private loan through them as well, that I haven't done any deferment on and yet that one also has not decreased. This isn't right. I currently owe Navient almost {$46000.00} in student loans. I don't understand how I owe so much more than I ever borrowed. I don't understand why I have capital interest and compound interest that I'm paying on. According to my records I've paid around {$32000.00} to Navient already, yet I still owe {$46000.00}, because they take almost all of it in interest. My total before I started paying anything was {$63000.00}. My loans were originally with Sallie Mae.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NV)

My complaint involves an apparent policy of US Bank, XXXX XXXX in XXXX XXXX NV. I was told it is a corporate directive. 
I've had a XXXX XXXX box there for a few years and was recently informed my contract for the box was out of date. On XX/XX/2018, I went in and completed and signed a new contract with XXXX XXXX XXXX. But when I requested a copy for my records I was told the contract is an internal document and I could not have a copy. 
I appealed to Manager XXXX XXXX XXXX who again said I could not have a copy and if I insisted that they destroy their copy she would cancel my box and give me the contents. 
I pointed out that it was absurd to have a contract where only one party has a copy. This seems to be not only a poor customer service policy, but also possibly an illegal unfair business practice. 
I request that you investigate the situation and aid me in obtaining a copy of my contract.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Nearly 30 fraudulent transactions were done on my small business   account. I contacted B of A on XX/XX/XXXX. They could not help me over the phone, and stated that I would need to print of Unauthorized Corporate Return Form, and list all fraud transactions, then fax it back to them ( what an inconvenience ). Never the less, I did that the morning of XX/XX/XXXX ( from the B of A branch in XXXX, TX ). I was told the processing time was 48 hours. As of XXXX XXXX CST on XX/XX/XXXX, my accounts are still frozen, deposits or pending, I can not make payroll, I can not pay vendors, amongst other things. As you can imagine, this is very very problematic for a XXXX XXXX XXXX. I need this escalated as soon as possible as this is now costing me customers, putting my credit at risk, and putting my contractors in a position not to work since they can't cash their check. PLEASE HELP!!!!
Consumer complaint received 2018-05-30
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. (MN)

In XXXX of 2018 I requested Experian, XXXX and XXXX to validate the collections that they have reported on my credit report. Experian, XXXX and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

I recently lost salary due to a business failure and requested to have a mortgage modification. I requested the modification on XX/XX/XXXX knowing that I would be starting a new job with a higher income in addition to working another part-time job. I submitted the request on XX/XX/XXXX with the offer letter as I had not yet received a pay stub from the new job since I would not be starting until XX/XX/XXXX. Carrington Mortgage then sends by snail mail and letter stating that my application was not complete. This letter was dated as XX/XX/XXXX, however, I did not receive the letter until XX/XX/XXXX and was told that I had until XX/XX/XXXX to upload the documents. Furthermore, the letter incorrectly stated that I had listed rental income on my application and needed to provide proof of income. This is absolutely incorrect. I have rental income but because of past denials due to asking for more and more information each time, I did not list this on the RMA application. I received my first pay stub on XX/XX/XXXX and promptly uploaded this to their website as well as sending an email stating as such. I also explained that it would be impossible for me to have two paystubs since I just started a job. If someone has a loss of income but then gets a better job, how are they then expected to show 30 days of income? This seems counter intuitive and does not help the mortgagee. I have since sent at least 6 emails asking for an update as I want all correspondence in writing. I received one call from a gentleman who I could not understand as he mumbled throughout the entire voicemail. I also received another phone call from a woman who stated she could not leave a detailed voicemail. As of XX/XX/XXXX, I have not received any updates and my online status is still listed as XX/XX/XXXX ( I have the screen shot to prove it ). This is providing unfair and wasted time to me. I have submitted complaints about this company in the past only to be addressed in an arrogant and rude manner as if I am a prisoner. I will also be filing a complaint with my state attorney general this time. Carrington Mortgage is not interested in helping anyone and I do believe they use discriminatory practices in how they assist with modifications.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (TX)

XX/XX/18 XXXX XXXX XXXX XXXX from the collection agency reached out to me about a supposed debt of XXXX. When I asked for her to provide me with written debt validation, she refused. She stated that their company policy was to only provide that information after I requested for it in writing. Per the Fair Debt Collection Practices Act, as a consumer I have they right to request a debt validation letter after first communication. To be refused this information, is a violation of my rights.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

Name : Southwest Credit Amount : {$1200.00} Original Creditor : XXXX XXXX   For the month of XXXX ( XX/XX/XXXX ), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My wife and I then paid rent/utilities for XXXX ( XX/XX/XXXX) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX  we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from XXXX XXXX XXXX and Southwest Credit. It has now almost been 2 full years that I have been disputing this debt with XXXX XXXX. My wife and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery the creditor accepted payment in lieu of deletion. Once they took payment out they promised to delete this account but have not complied with their promise. BESIDES THIS ACCOUNT IS OVER 7 YEARS OLD AND HAS PASSED A STATUTE OF LIMITATION, AND I WAS ONLY THE AUTHORIZED USER ON THIS ACCOUNT BUT THEY FORCED ME TO PAY THREATENED LEGAL ACTION AND JAIL IF I DIDN'T PAY NOW THEY ARE IGNORING MY CALLS, LETTERS AND ALL REQUESTS TO HAVE THEM COMPLY AND REMOVE THIS FROM MY CREDIT REPORT
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (TX)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution.Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFFIDAVIT OF STATE MENT. 

All credit bureaus transunion, XXXX XXXX XXXX has allowed nurmous fraudulent activity on my accounts for years and continuing to this day, to deny me an environment to happiness and life due to my nationality of XXXX XXXX I named XXXX XXXX XXXX XXXX, never gave any credit reporting agency jurisdiction over me due to my nationality of citizenship XXXX And demand it all been removed pursuant to my nationality, citatazinship and religious as of this day and preventing matters for the further
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2018-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MD)

My financial situation have not improved, and I am still searching for a full time job without success so far. And, I am struggling to even pay my rent and other basic necessities. As a result of this, I have been negotiating payment plans with my lenders. One of them, namely, CashNetUSA, is being tough with negotiations. I have explained my current dire financial situation with them. And, for the past 2 months I have been begging them to give me an extended payment plan in which I will be paying them {$50.00} per month until my loan is paid off. I also begged them to stop charging additional interest to my balance with them since, so long as they continue charging their high interest to my balance, my proposed monthly {$50.00} payments will never pay off the loan. CashNetUSA refused to consider my request. Meanwhile, my loan with them have continued to accrue interest which they capitalize to my balance, thereby making my balance with them to continue to grow every day. I will be glad if you will assist me in persuading CashNetUSA to consider my request.