davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
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. (CA)

I proceeded with the steps at XXXX to get my free credit report from transunion. After I entered all my information I was met with this : " We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 
Alternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' The number has an impossibly long system ... and I never receive my report. Also not having access online makes everything a time consuming struggle. Theres no way of regaining access to my free credit report online and I firmly believe that denying me this access is equivalent to denying me access to my report.
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CFS Holdings, Inc (MD)

I requested an auto repair loan to have my vehicle fixed with XXXX. invoice I have is XXXX. The company Confident Financial Solutions said I owe them XXXX which was not the agreement. While I was attempting to fix the issue with XXXX, Confident Financial Solutions would call me 4-5 a day back to back and would leave me 2-3 emails. I had to block their number for the ridiculous amount of times they would call me.
Consumer complaint received 2018-08-18
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: AMERICAN EXPRESS COMPANY (NY)

AMEX has refused to chargeback {$4000.00} despite the fact that I was victimized by a con scheme at a time I was grieving the loss of my husband. The circumstances are as follows. My husband of 58 years, XXXX XXXX XXXX XXXX died on XX/XX/2018. His Obituary was published on XX/XX/2018. On the same day, I received a telephone call from an imposter posing as " Officer XXXX XXXX '' who stated that my grandson, XXXX XXXX has just been XXXX  for XXXX and XXXX XXXX XXXX. He put another imposter on the telephone acting as my grandson who said : " I know this is a bad time ( crying ). Please don't tell my father, I'll tell him myself. I'll pay you back. I'm innocent. '' The " detective '' said that to clear my grandson, I needed to purchase two {$2000.00} XXXX XXXX gift cards. Flushed with agony, I immediately purchased two {$2000.00} gift cards using my AMEX credit card. The " detective '' instructed me to give him the gift card numbers and destroy the card. I gave him the numbers but did not destroy the cards. Hours later I began to realize that I had been victimized at a time when I was most vulnerable. I promptly reported the episode to the Police. A copy of the Report is annexed together with the Obituary and the AMEX denial
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (FL)

XX/XX/XXXX I applied for a XXXX loan online with XXXX, made 4 payments of XXXX and wrote them a letter stating that I was in hardship could we work on payoff amount and I would guarantee whatever I could afford to send at that time, no reply back, no emails, nothing. I have been receiving phone calls all week XX/XX/XXXX from a private number, on Friday they directly called my work and spoke with my boss who therefore pulled me into his office telling me they were serving me papers by XXXX XXXX. At this time I called the XXXX number they had listed the woman was very rude and then switched me to a XXXX XXXX who said if I paid them today they would cancel the the papers being served, of course embarassed that they had actually spoke with him. I gave them over the phone my debit card and paid XXXX towards this debt, they are telling me that I owe a total of XXXX??? I only took out the XXXX. Please advise as this was a third party ( XXXX XXXX XXXX ) debt collector and needs to get a little bit of ethics on dealing with people who struggle and do have lives, I do not want to be disturbed at work or home as I have reached out to them in XX/XX/XXXX.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Cornerstone Home Lending Inc. (TX)

On XXXX we closed our home loan with Cornerstone mortgage. We paid our mortgage monthly with no issue. On XXXX we received an escrow statement stating our payments were going from XXXX monthly to {$3300.00} due to an mistake in not collecting the appropriate amount of escrow. This was absolutely an amount we could not afford. So when we received our XXXX statement, I began to pursue options with the mortgage company and completed the required application. I heard back in XXXX that the account was placed on a trial modification and the first payment would be due on XXXX. We completed all of the trial period payments. However, during the trial period received a notice that our loan had been sold to XXXX, and the servicing would remain with Cornerstone. In XXXX we also received confirmation that our modification had been approved, so we completed the paperwork, had it notarized, and returned it in the shipping envelope provided. I believe it was in XXXX we received a notice that the servicing of our loan was also transferred to XXXX. I was able to register on their website and have been logging on to the account at XXXX and speaking to their representatives ... according to them they have not received the final processed paperwork from Cornerstone. Something about Cornerstone would have sent it to XXXX for processing and XXXX would have returned it to Cornerstone, and then Cornerstone would have to send it to them. It is now XXXX. My loan was tanked by a Cornerstone Escrow error, and now it has been sold to a sub-prime lender who can not finalize my account because according to them they do n't have the appropriate paperwork from Cornerstone. I contacted cornerstone by email on XXXX and received a response to contact their modification department. I did so, and was told I needed to submit a request in writing to the research department. I told the young lady that it was a request in writing that directed me to contact the modification department. She then said she could escalate it to a supervisor but it would take 24-48 hours. I asked to speak to the supervisor she said sure, then transferred me to an extension that rang and disconnected the call. This whole situation has been not only unfair but at no time has Cornerstone admitted to making these mistakes that have essentially cost my credit score and financial stability. I would like this issue resolved.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

SageStream , LLC ( who ever they are ) was used by XXXX XXXX on a car purchase. With all the major CRA I have high scores and good credit. These Sagestream people report a much lower score which denied my deal.
When I contact SageStream all you get is a recording and nobody ever calls you back.
In order to get a copy of the perverted information they say they have on you, they want you to send in all types of copies of identification. How do I know who these people are? Every Law enforcement agency in the country says DO NOT GIVE ANY INFORMATION to people or companies you do not know.
All the other CRA 's have a online or phone system to see your information if you were denied credit. Not these phonies. Why do you allow companies like this to exist? They should all follow the same rules.
Consumer complaint received 2017-06-18
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: EQUIFAX, INC. (TX)

My ex husband added me to his XXXX card as an authorized user before we were divorced ... XXXX will not remove this fir me. Equifax is also refusing to remove this. I am not responsible for this account
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

I submitted a complaint dated XX/XX/2018 against a charge of {$400.00} drafted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The US Cards requested further documentation which was duly furnished. XXXX of the documents requested by them was a letter from a auto repair shop documenting the poor quality of services performed by XXXX XXXX XXXX XXXX XXXX. The document from XXXX XXXX XXXX XXXX XXXX enclosed here is evidence of such poor service. 

Vide their Letter dated XX/XX/2018, The US Card Co. declined to reverse this charge, although all evidence requested by them was duly furnished. 

By refusing to act, US Bank is encouraging bootlegging and money laundering activities by entities like XXXX XXXX XXXX XXXX XXXX, which holds no auto repair license from the California

Bureau of Automotive Repair. Their illegal activities pose a grave danger to public safety and well-being. The US Bank may be asked to permanently reverse this charge of {$400.00}. All relevant documentation will be furnished on request.
Consumer complaint received 2018-08-18
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. (TX)

On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, Equifax, XXXX   and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX  was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.
Consumer complaint received 2018-08-18
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)

On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, XXXX, XXXX   and TransUnion. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.
Consumer complaint received 2018-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

On XX/XX/XXXX I visited the Speedy Cash located at XXXX/XXXX and I requested a payday loan in the amount {$850.00}. I tried to pay this amount with a loan from the company I work for and they refuse to give Goodwill the XXXX so the check could be issued. Speedy cash is taking {$210.00} dollars every two weeks from XX/XX/XXXX until XX/XX/XXXX. Which means I will be paying {$2500.00}. This is outrageous. I dont make that much money, this was not explained to me, and clearly constitutes predatory lending. I am ok paying a razonable interest amount, but what they are charging me more than 3 times what they lend me. Please help me to rectify this situation.
Consumer complaint received 2017-04-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Medical Society Business Services, Inc. (TX)

I happened to check my FICO score tonight and noticed it plummeted, then I proceed to order my credit report. To my surprise, I have a medical debt, in which it took some digging before I realized I have missed a bill. Apparenly, what I paid to XXXX hospital is separate from the Physician bill, in which the XXXX has made a poor effort of communication to me regarding the separate charges since XX/XX/2016. And the Bureau of Medical Economic has made a poor attempt in collecting from me, I have yet to receive the bill, I do n't even know the account number of which I owe. The bill is only {$340.00}, I would have pay it if I would have been notified of the separate charges or notified of the late payment. This form of poor communication will affect my credit and future in a negative way. My fiance and I have been working to build a home/house, and now with the downturn of my credit score, I m not sure what my future holds.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, 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. (WA)

Hello, I have 4 hard inquiries on my credit report t without my authorize. The company name and dates on my credit report are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a credit card with Bank of America in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.
Consumer complaint received 2017-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was working for an elderly couple doing on XXXX XXXX for 18 months .About six months into my employment they were making payments on my credit card in lieu of cash payments on occasions. They agreed to pay for a school I was attending. They asked that I pay for school on my credit card and they would make the payments on my card. This transpired for 14 months. At that point some family members stepped in convinced grandfather to fire me from job. Then family told his bank that all payments made on my credit cards were unauthorized and the ank took back zapproximately {$12000.00} worth of payments on my cards. Do I have any recoarse?
Consumer complaint received 2017-04-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc. (TX)

received a bill from West Asset Management pertaining to a medical bill that was proven to not have been filed with the insurance company. I requested an audit of the information provided to the insurance company and the hospital. It was verified the insurance company was not billed accurately and the data furnished to the creditor was not complete. They were not able to verify all information as requested by law or for auditing purposes. I was informed the item would be removed from my credit report and have requested on a number of occasions to remove the item to which it remains.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (SC)

Specialized Loan Servicing acquired the servicing of my mortgage in XXXX of this year. The mortgage was previously serviced by XXXX. At the time of the servicing transfer, the loan was escrowed for property taxes, but not for hazard insurance. This month, Specialized asked me for proof that I had insurance on the property. I immediately sent them a copy of the declaration page for my insurance policy. The insurance premium had already been paid over a month ago. However, Specialized proceeded to escrow my mortgage for insurance without my permission, they advanced my property tax escrow balance to the insurance company and sent me a letter demanding that I remit a {$1400.00} " escrow shortage '' to them.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (MD)

The company Goodleap llc, financed my HVAC.I have been paying off my loan as at when due. I also was making extra payments so as to pay off my loan in time.I made XXXX extra payments of $ XXXX. The agreed payment was {$130.00} monthly, which is taken off from my checking account. 
I found out that my payments was not being reported to the credit bureau. On inquiry, I found that a payment of {$2000.00}, I made was not credited to me. The payment was made through my bank bill pay, like the XXXX others. I contacted them and they said they did not receive it. 
I checked with my bank and got a copy of the cleared check of {$2000.00}, with stamp and numbers of GoodLeap on the back. I forwarded it several times asking to be credited but they were adamant. They refused. 
I stopped their automatic withdrawal from my account, so that they would address my problem, but they resorted to harrasive phone calls, trying to make me pay, the stopped payment. 
I want them to give me credit or refund my money. It's been more than XXXX months and they don't care. 
I also told them that, I would Payoff the loan if they give me my credit, as my relationship or business with them is impairing my health. THEY DON'T CARE. They had been subjecting me as a XXXX or that they don't understand my language or what I am talking about. 
The only suggestion they offered was that I should stop the check. STOP A CASHED, CONSUMED CHECK?
Consumer complaint received 2017-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (IL)

US Bank closed my us bank altitude reserve card on XXXX XXXX, 2017 without notifying me. I did not found out till a couple days later when I tried to use this card for online purchase. I received an mail on XXXX XXXX, 2017, saying my card has been cancelled because I purchased gift card using altitude reserve card, and my points have also been forfeited.
US Bank is ridiculous to do this. I called them but they were not willing to help. This is really the worse experience ever, and US bank is indeed the worst bank ever.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

US Collections West is reporting an open collection on XXXX and public records on XXXX and XXXX that has been paid. Beginning XX/XX/XXXX US collections West began garnishing my paycheck at {$570.00} per month for a Public Record from XXXX XXXX XXXX. The judgment was paid in full. Additionally, the wage garnishment was illegal due to the fact that I was never notified that they were planning to garnish my wages. At the time, I was unaware of my rights and was completely over whelmed, as I lost my place to live. I disputed the account with XXXX on XX/XX/XXXX. As a result of that reinvestigation, US Collections reported to XXXX that the account is accurate and continues to report with a balance. They have not responded to my request to validate the debt and to show proof that I am legally contracted to pay them. 

Moreover, the XXXX US Collections Account from XXXX XXXX was placed on my XXXX File without any prior notice. I am seeking to have both permanently removed. 
Below are the referenced account numbers. 
1. U.S Collections Acct # XXXX XXXX 2. U.S Collections Acct # XXXX XXXX
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My Bank of America credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. Bank of America is still reporting the account as open through XX/XX/XXXX with XXXX and XXXX   ( XXXX is reporting closed status as of XX/XX/XXXX ). In addition, Bank of America is still reporting the aforementioned balance on all three credit bureaus. I have called Bank of America multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
Consumer complaint received 2017-04-17
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (IA)

1 ) Vis  a  does not disclose a human contact number for its 'giftcardmall.com/mygift '. I had to find a corporate number and i was told to enter  XXXX  # twice on the automated phone line to get human help. No option on the phone system to get human help  2 ) Visa doe s not disclose they do not do business with the  XXXX  website or the  XXXX  company itself. Instead  XXXX  declines the transaction and says the card does not match the customer registration name forcing the customer to try and contact the company. ( I.e. #  XXXX   ) 3   ) V  isa 's em ail complaint system limits consumer coplaints to  XXXX  characters.    4 ) Visa  's 'I am not a robot ' system is designed to frustrate customer to give up on their complaints.    5 ) Visa  's human rep speaks  XXXX  poorly and then become aggressive at end when consumer does not hang up first, but is waiting to see if there is a customer satisfaction survey at end of call.      *** Visa  needs to publish an online black list of businesses they do not do business with so customers do n't get declined when they try to do an online purchase.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX , TransUnion, and  XXXX . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately .