davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I Originally disputed a bankruptcy appearing on my credit report with all 3 credit reporting agencies XXXX, XXXX  and Transunion back on XX/XX/XXXX. Obviously, this was filed under someone with the same name and appeared on my report but was an error.

XXXX deleted the file but it still remained on my XXXX   and TransUnion credit files.

Everytime I've disputed the results returned verified. I've recently requested validation of public record from furnisher of information regarding bankruptcy on XX/XX/XXXX. The furnisher is theXX/XX/XXXX District Federal Court,XX/XX/XXXX Division notXX/XX/XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify.

I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
Consumer complaint received 2018-04-21
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: FC HoldCo LLC (HI)

I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed. 

XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Horizon Debt Group, LLC (NY)

Loan holder : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX Complaint against : XXXX XXXX XXXX XXXX In XX/XX/XXXX I entered into a student loan consolidation contract with them. On XX/XX/XXXX {$130.00} was paid and on XX/XX/XXXX {$130.00} was paid. The third payment was kicked back for insufficient funds. I attempted to contact XXXX XXXX XXXX XXXX to arrange for correction of this issue and never was contacted back. The number I was given to call them had a blank answering machine. With no return of my calls. E-mail 's were kicked back as not a valid address. I was never contacted back by them in any way. 

This month, I discovered, XXXX XXXX XXXX XXXX had no contact with the company holding my loan and no funds went to the balance. I have still not been able to get anyone from XXXX XXXX XXXX to contact me back. I was apprehensive to go forward with any other consolidation of my loan because I was unsure if I would be breaking my contract with them. 

XXXX XXXX XXXX was the company I was paying XXXX XXXX lXXXX XXXX through. I was able to contact them. XXXX XXXX XXXX no longer deals with XXXX XXXX XXXX and was unable to provide me a date when this severance of service occurred. I was provided with the same contact number I had left messages on several times # XXXX and an e-mail of XXXX. Previously I was contacting e-mail XXXX, which is no longer active. There e-mails also had XXXX Consolidation Department, XXXX. XXXX XXXX, XXXX, PA XXXX XXXX as an address. 
No one has answered me back from either of these contact points. 

The loss of the {$260.00} was nothing compared to finding out I couldnt purchase a home because my student loan was in default. This should never happen to anyone! 

I have the form that I signed concerning the loan and it looks very genuine. Please contact me if any further information is needed as I am very concerned with uploading documents with personal information.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

My husband and I applied for a mortgage in XX/XX/2017 through PrimeLending for an investment property we were wanting to purchase. D We were given XXXX XXXX 's information to use him as a lender and got the pre-approval letter on XX/XX/2017. Upon applying for the mortgage, XXXX was informed that I had purchased a new car in XXXX and it had not yet hit our credit report. He stated that it would not be a problem and to go ahead and proceed. We signed a contract with the seller and ordered appraisals and inspections. After appraisals and inspections came back clear my realtor asked if we would like to close 2 weeks early. Everything had gone smooth so far so we figured it would be a green light to close. XXXX informed us that he needed to see our down payment for the house in our bank account. We were withdrawing from a 401k in order to partly fund our down payment. ( $ XXXX ) and we sold a vehicle ( $ XXXX ) to fund the other half. My husband cashed out his 401k and we sold the car to have the est. $ 40k in  the bank account. At this point XXXX passed us off to his assistant to finish the closing. This drug on for an additional 3 weeks. An old collection account was on our credit report and I had disputed it years ago. I was told the account would have to be paid and the dispute removed. I spent 4 days working on that to get it taken care of. On the date we were originally supposed to close PrimeLending was still asking for documents from our 401k 's. We had to push closing off another week. I asked his assistant numerous times if this was a go. I did not want to cash out our 401k if this loan wasn't going to go through. I was assured by her, XXXX XXXX himself and our realtor that everything was fine. The week we were finally set to close, I get a phone call from my realtor informing me that our file had gotten passed off to another lender to try and approve but that she couldn't get it done either. Upon further talking to my realtor, she informed me that XXXX XXXX didn't run the initial pre-approval as an investment property, but as a primary residence. They both informed me that had they run the pre-approval as an investment property to begin with, the dispute would have a flagged and we wouldn't have been pre-approved at all due to our debt to income ratio. We have acquired fees for the inspection and appraisal, we are out the earnest money and our option money along with several thousand dollars in extra taxes for withdrawing our 401k 's out. I feel like we followed every step required of us and had this been done correctly to begin with, we wouldn't be out this money.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Attached is paperwork from Carrington Mortgage showing my mortgage interest rate changing every 6 months. I 've also attached information stating Carrington & XXXX XXXX apart of a class action lawsuit for their discriminatory practices. I feel I 'm being discriminated against because I 'm a XXXX woman and head of my household. I do n't want to loose my home. Please help
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I went to a Bank of America in Amarillo, Texas to cash/deposit a check. This was a check issued by the Texas Comptroller of Public Accounts in the amount of {$4500.00}. The teller informed me that only {$200.00} would be made available today ( 3/9/2018 ). The remaining amount ( {$4300.00} ) would have a hold placed on it until XX/XX/XXXX. She said this was because my account was less than 30 days old. I agreed, received my {$200.00} and a receipt. On XX/XX/XXXX I received a letter from Bank of America stating the hold on the {$4300.00} was now until XX/XX/XXXX. The reason given was " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. I immediately made a phone call to the Bank of America customer service line. Upon being connected with a " specialist '' I inquired why an additional hold was placed. The " specialist '' stated he didn't know, gave me the same reason as the letter, and he said he couldn't do anything about it. I asked to speak with a supervisor and was told it wouldn't matter because he couldn't do anything about it either. On XX/XX/XXXX the original hold time expired at 9a.m. I placed another call to the customer line to see if I could have my money made available to me. Again I was told there wasn't anything they could do to help me. I was placed on hold to talk to a supervisor, and the line was disconnected by Bank of America after about 20 minutes. With no help from Bank of America I decided to call the Comptroller of Public Accounts Warrant Status Inquiry System. Upon entering my check information I found that the check had been paid by the State of Texas Treasury on XX/XX/XXXX. Bank of America placed a hold on my check because " item may be returned '' on the same day Bank of America received the money from the Treasury. A second call was placed onXX/XX/XXXX to the customer service line. This time I immediately asked for a supervisor because I knew a normal employee would tell me " there isn't anything we can do ''. I was connected with a supervisor after a 15 minute hold. I explained to this person that my check was paid by the Treasury on XX/XX/XXXX and that Bank of America was holding my money under false pretenses. She said " how do I know if you're telling me the truth ''. I asked if she could check the system to see if it showed my check had cleared. She said she couldn't, but that I could give her the number to the Warrant Status Inquiry System. She stated " I'll the number and verify the information you gave me and call you back ''. I agreed gave her my cell number and hang up. It is nowXX/XX/XXXX and I haven't received a call back from the supervisor and the hold is still on my account for {$4300.00}. Bank of America has falsely withheld my money from me for a week now. I've never been so disrespected by a company in my entire life.
Consumer complaint received 2018-04-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours (CA)

I emailed XXXX the week before repayment of my {$540.00} loan ( due XX/XX/XXXX ). I told them of my situation-loss of income- and they could not give me more time to pay because they had given me that courtesy once before in XX/XX/XXXX. Okay.

I then sent them a follow up email letting them know the payments would be returned due to my financial hardship and they merely said if and when they were returned then they would try again for the next pay period, in 2 weeks.

I sent an email revoking my previous authorization to automatically debit my account. I received an email from a XXXX saying due to the nature of my issue it had to be sent to a specialist and needed an intervention from them for further review. She checked back with me I believe 2 times over the next week in including the day of XX/XX/XXXX which they DEBITED MY ACCOUNT ANYWAY!

Since they debit how you receive the funds- 5 different debits instead of one, I got charged NSF fees.

They can NOT debit my account after I revoke authorization. I emailed them and have yet to hear back from them when usually they respond the same day and now that they've illegally taken my money, they won't respond.
Consumer complaint received 2018-07-17
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. (CA)

I was pre qualified for a XXXX XXXX XXXX  card and the application said it would not effect my credit score. I checked today and found a hard inquiry on my credit score. Called XXXX XXXX and told them I was not happy about this and to cancel my application and remove the hard inquiry.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. 

After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. 

I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through XXXX XXXX which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX credit for a student loan refinancing opportunity due to a negative account. After looking at my XXXX XXXX report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for Transunion and XXXX for XXXX. Noticing that XXXX  was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. 

It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One Platinum Due Date : XX/XX/XXXX Payment attempted XX/XX/XXXX via phone app.approx XXXX EST Informed payment would not post until XX/XX/XXXX because it was XXXX EST Capital One Customer Service called XXXX ( phone record ) but reached no one until XXXX Informed that " late fee '' would be incurred because it was after XXXX EST even though statement states as well as computer generated phone inquiry states due date as " XX/XX/XXXX '' without mention of ANY cutoff time.

Was informed that I could call back today re : late fee and ask about it being waived which I did. Was informed that a credit of {$25.00} would be returned to my card in 3-5 business days.

Capitol One representative could not confirm or deny if regardless of waiver, credit reporting agencies would be alerted.

Very upset by this as all consumers should be. The payment time should not be at the convenience of the company who is using an arbitrary number " within that same day '' as but one more way to collect a fee for revenue purposes. If the statement says a particular date, the consumer needs the assurance that as long as their payment obligation IS made and posted between the hours of XXXX  and XXXX on the designated " due by date, '' no late fee should be leveled.
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC (NJ)

XXXX XXXX XXXX XXXX has sent a debt that should have been paid by my insurance company to QUALITY ASSET RECOVERY in XXXX, NJ. I am not sure why there is a balance of {$1300.00}. The service dated listed is XXXX XXXX 2014. I do not remember being at the hospital and if so, it should have been paid by my insurance company. I believe this debt is not mine. I need help with this debt because it is ruining my credit.
Consumer complaint received 2018-04-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (FL)

On XX/XX/XXXX at XXXX XXXX, I contacted XXXX XXXX XXXX. I spoke to XXXX. XXXX identification number is : XXXX. I called to ask why I was getting phone calls about my account going into default. I had an agreement with XXXX on XX/XX/XXXX at XXXX XXXX XXXX ( ID:XXXX ) to pay {$150.00} to bring my account up to date. XXXX stated I had until XX/XX/XXXX to pay the XXXX dollars. I agreed to do so. My bank states XXXX XXXX received and cashed my check on XX/XX/XXXX. When I talked to XXXX she claimed the check hadnt been recieved or applied to my account. I told her about my bank reporting the check being cashed. She again reiterated that they hadnt recieved any money from me, and asked for another {$150.00} to secure a good faith payment and to keep my account from going into default. I reported I did not have another XXXX dollars to give her. I also asked XXXX to stop calling my friends and family and disclosing my debt to unauthorized persons, and to stop calling me after XXXX XXXX  and before XXXX XXXX. I reported that it was illegal to harass me and to call after XXXX XXXX and before XXXX. I also reported it was illegal for her company to disclose my information to friends and family members without my consent. XXXX reported they were within their legal limits to do so. When I reported the Fair Debt Collections Practices Act, XXXX began to back pedal and claimed XXXX XXXX and its employees have not disclosed my information to friends and family. I replied by saying, interesting, and that my friends and family members are reporting otherwise. Contact with XXXX ended after that conversation.
Consumer complaint received 2018-04-21
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 was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I continue to receive letters from a Debt collection Law firm called XXXX XXXX XXXX, XXXX XXXX XXXX, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. XXXX XXXX XXXX have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired peace officer with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into XXXX XXXX XXXX, XXXX XXXX  XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.