davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
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. (GA)

There are hard inquiries on my credit report that I did not authorize. When I called to get them removed Transunion did not help me to get this corrected. 
The inquiries not authorized by me on the report include : XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too. 
XXXX XXXX/XXXX/XXXX I called to have this removed and the company stated they could n't remove them the credit bureau had to remove it. I called the credit bureau and they stated they could n't remove them the companies had too.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens One XXXX CO XXXX, a subsidiary of Citizens Bank, has been my mortgage holder for 17 years. Suddenly they are imposing an escrow account based on " shortages '' related to either property tax payments or insurance which are not substantiated by them. When I tried to correct, as these were current, CO dismissed it in a form letter and without any consent or approval, or proof of these " shortages, '' CO brazenly imposed a monthly payment that is 60 % greater. It seems to be a pure money grab. 

Please see attached photos of the latest letter about the plan from CO.
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alliance Collection Service (AL)

XXXX supposedly of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MS XXXX PHONE : XXXX ; FAX : XXXX originally contacted me at my place of employment around the 1st part of  XXXX, XXXX in regards to a medical bill owed to XXXX XXXX XXXX located in XXXX XXXX Hospital, XXXX, AL. I asked for proof of the debt, which they mailed, and in return, I explained to XXXX that I would also be contacting my health insurance company XXXX for an XXXX, because I have bank records that I in face paid XXXX XXXX XXXX during each visit that I made for physical therapy. 

I have been working to get this resolved, but getting in touch with a representative at XXXX as well as getting copies of cancelled payments from my bank, as we know, takes a little bit of time. I have NOT been ignoring XXXX, and have only wanted to resolve this matter. 

On XXXX XXXX, XXXX, they contacted my place of employment, and instead of asking directly for me, began asking very personal questions to an employee of mine about me. Additionally, they stated they wanted to " verify my employment ''. My subordinate explained to the caller, that they would need to fax something over, and she gave them the fax number. My employee immediately came to me with the number off of caller I.D., and informed me of this. I immediately returned the call to XXXX, and told them I was still trying to get the matter resolved, but they had now over-stepped their boundaries in a very severe way by contacting my office and wanting to verify employment on me. I explained to the lady on the phone that by calling someone 's job and doing an employment verification on them, that that gives the impression that someone is looking for another job. And I told her to NOT fax anything to my office, and to immediately cease all communication with me, and she said that she would. 

On the morning of Tuesday, XXXX XXXX, my supervisor approached me as to why there was an employee verification form on the FAX machine for me, and asked me if it was my intention to be leaving soon. I had to explain to my supervisor as well as my companies regional manager that I was not leaving the company, nor did I have any desire to, and that this was all from a ( what at this point appears to be ) scandalous fraudulent company about a medical bill  that I had. Moreover, the " Verification '' letter they sent, had my social security number on it, and was just lying on the fax machine for anyone to pick up. 

Today is Tuesday, XXXX XXXX, XXXX at XXXXCDT ; and I am requesting and insisting that all communication rather it be via telephone, FAX, e-mail, text message, US Mail, telegram, or messenger from XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX to cease effective immediately, as is my right under the FCRA.
Consumer complaint received 2017-10-31
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: Experian Information Solutions Inc. (MD)

An additional complaint against Experian. I requested my credit score from Experian and in the process of paying for this score, I was also asked to create an account. I was faudulently charged {$39.00} instead of {$4.00} for this experian credit score, and I submitted a complaint to the CFPB ( # XXXX ). Thereafter I called Experian to inform them that I filed a complaint with the CFPB against them and wanted to provide Experian with the complaint number, only to be informed that the {$4.00} was for the 1st month and that I would be charged {$19.00} thereafter for a monthly membership! A fact I was not aware of until I called Experian to provide my CFPB complaint number to them. I never signed up to be a member of the club of consumers requesting their credit score, that makes no sense. The Experian representative informed me that the membership information and charges were tucked away in the terms and conditions link. I informed the respresentative that such information ( charges, any sort of membership etc, etc ) must appear upfront and not in any terms and conditions. I never clicked on or read the information in the terms and conditions, because {$4.00} was such a small amount. 


I told the representative I never agreed to any membership or any membership fee, and that I wanted to cancel this " membership. '' While on the phone with this representative I also asked her where in my experian account online could I cancel this " membership? '' The representative informed me there was no way for a person to cancel the membership online, and that anyone wishing to cancel their membership must call Experian to cancel, this is despite the fact that I created the account online. So I had her cancel the membership. 

Though my complaint is technically resolved, the CFPB should be made aware that there are millions of other consumers that would no doubt have fallen victim to Experian 's fraud.
Consumer complaint received 2017-11-01
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 (CA)

All of my student loans ( from XXXX College, The XXXX XXXX, University XXXXXXXX XXXX at XXXX XXXX, XXXX University and XXXX XXXX, The School ) are with XXXX. In the first few years, they were relatively responsive, but over the past two years, they have either not responded to my requesrs for IBR renewal, in a timely manner, or have only provided me with a response when Inhave phoned them. The last three times I have phoned them, they have responded to my frustrations with their lack of confirming the status of my IBR applications with variations of " there are more steps/documents to complete, and/or you completed the wrong IBR type. But why did they not inform me of this??? To date, my IBR request is in limbo. The laat time I phoned, they said I would receive something in the mail that would allow me to pay five dollars (??? ) and then this would trigger my forbearance and I could reapply for the correct (??? ) IBR. The entire process is frustrating and cryptic and XXXX is not responsive or helpful. Meanwhile, they are asking for a payment of over {$1500.00}, that Incannot afford. Please help.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

In XXXX, XXXX, I entered a written dispute with XXXXXXXX XXXX XXXX XXXXXXXX XXXX account number XXXX ( balance reported - {$11000.00} ) as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXXXXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. XXXXXXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state Division of Financial Services in Florida indicates that XXXXXXXX XXXX XXXX XXXXXXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to XXXXXXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Since opening this credit card from Citibank through Best Buy, I have made numerous on-time, over the minimum due payments. Now, Citibank is refusing to issue my credit immediately to bring my account current-they will " credit my account in 1-2 billing cycles ''. This is unacceptable. I discussed with them online via secured email, customer service and finally with XXXX XXXX with escalation services to resolve the matter to immediately issue the credit to my account. I can not trust them to issue my credit in 1-2 billing cycles. This is my first experience with CitiBank and will be seeking other companies to do my business with.
Consumer complaint received 2017-10-31
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. I submitted a valid police report with an notarized attachment of my FTC identity theft affidavit. I am requesting that you please reconsider the valid documents and please revjew, block and delete the fraudulent files from my credit report. Thank you in advance.
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (CA)

On XXXX XXXX, XXXX, some company called me about a payday loan I took 2 years ago, they keep disturbing me with calls and threatened I will be served at court. They said I have to pay XXXX, I dont even know how they came up with that amount. And why they are just calling me after 2 years now. They force out XXXX dollars out of me which is money I dont really have. I only work a minimum part time job which I can barely do things for myself. They want me to pay every weekly which I can not not do. They were kind of rude to me on the phone. I am just hearing about this today without giving me time or nothing but saying I will be taken to court. They call me with an odd number which is XXXX.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

I received a marketing campaign to refinance my property with Carrington Mortgage Services who currently services this loan. I was pre-approved and informed that I must secure an appraisal to close the refinance. Two weeks prior to closing, I was informed that this company does not finance manufactured homes and therefore would not be able to refinance mine. Again, this organization is already servicing this mortgage. The loan XXXX informed me that their data did not indicate that this was a manufactured home and therefore, he did n't know and had he known, he would not have pre-approved my application. Subsequently, they agreed to refund the amount I paid for the appraisal as there would have been no business need for me to purchase the appraisal if they had no intention or ability to refinance the property. I have yet to received the promised funds.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One keeps cutting off my credit card for " fraud '' reasons. First, I applied online for the card and was approved. No further information required. 

Then, I called for an unrelated reason and was routed to their fraud department. They said I needed to send in my driver 's license. Understanding the need for verification, I did that. They guaranteed this was all that was needed. 

Then, I get a call telling me that they got the license but now they needed my social security card and a utility bill. I told the person that I had already provided the license, which they had previously told me would be sufficient. They did n't care and made me send in the additional documents, which I did, and the card was active. 

Then, ALL OF A SUDDEN, I had been using the card for some time and Capital One shuts it off without telling me. I call and they tell me they need THE DRIVER 'S LICENSE I SENT ORIGINALLY! It took the man looking through his notes to realize I had provided this and much more already to re-activate my card. 

I understand the need for security but this is ridiculous. Capital One can not just continuously cut off people 's credit cards because they ca n't keep track of the sensitive personal documents that people send in.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

I signed up for the 7-Day free trial with Experians CREDITCHECKTOTAL website. After my 7 trial I called MULTIPLE times to call and cancel this account. The wait times are ridiculous. Consumers are being asked to hold for ONE To TWO hours. Experian is phishing consumers into purchasing a 7 day trial for {$1.00} with the idea that theyll be able to cancel. The aggravating extremely long hours of WAITING to cancel is causing consumers to be charged for the service. I honestly think that if Experian can not hire enough people to help get these ridiculous wait times down they should NOT be charging consumers {$29.00} a month. My card was charged today TWICE from Experian and I want a full refund ASAP. A class action lawsuit or some kind of penalty should be the way to handle XXXX and this PHISHING tactic.
Consumer complaint received 2017-10-31
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is still not reporting my mortgage payments. They have not reported payments from XX/XX/XXXX- XX/XX/XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.
Consumer complaint received 2017-10-31
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

On or about XX/XX/XXXX I purchased 4 Money orders for XXXX each which I made payable to XXXX XXXX XXXX ref numbers are XXXX, XXXX, XXXX. I mailed them to XXXX XXXX payment address as I had done several times in the past. I noticed by the end of XXXX that the MO had not been applied to my account. I called XXXX XXXX immediately. Western Union told me they would request a copy of the MO be sent to me for inspection XXXX and XXXX passed I called numerous times until I strongly suggested they process my claim and get me these copies. I finally got a copy of 2 of the money orders which I then called and asked for the others to be sent to me as requested 2 months prior. Western Union sent the other 2 by this time it is early XX/XX/XXXX I  called them back they told me that I would have to wait to receive paperwork by the end of XXXX I received the needed paperwork, had to spend XXXX for notary fees and sent requested documents on XX/XX/XXXX, which they received XX/XX/XXXX per USPS tracking return receipt. I called today they claim to have received the documents and that an investigation will begin. Claims department asked me to call back XX/XX/XXXX. I do not have the means to wait for XXXX for this period of time. I am sadden for people with lesser means
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I have requested that Bayview Loan Servicing correct my credit report with all XXXX credit reporting bureaus beginning XXXX. Thereafter, XXXX reported my loan as closed on XXXX. This dropped my credit score and stopped me from refinancing my mortgage. I sent another letter to XXXX via certified mail on XXXX. On a phone call with XXXX on XXXX the company rep stated my file would be corrected with the credit bureaus by XXXX XXXX. This has not happened. I received a letter from XXXX dated XXXX indicating they would correct the information they are reporting to the credit bureaus. I received a XXXX report from XXXX reflecting that XXXX changed some information but it is still being reported erroneously as settled in XXXX bankruptcy with no balance and incomplete payment history. I have made countless phone calls with no results. XXXX sent a letter stating that my loan would be transferred to XXXX XXXXXXXX XXXX on XXXX XXXX, XXXX. I feel that XXXX has prevented my re-financing of this mortgage through repeated erroneous reporting. I have attached my most recent letter faxed and e-mailed to them today with supporting documents of previous letters, credit file information, etc. I am requesting that this matter be resolved asap as the error is causing me financial harm. Bayviews actions are clearly in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you