davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
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: EQUIFAX, INC. (NJ)

I received a link to my XXXX XXXX account. When I looked at my dashboard I see that 4 inquiries were on my report. Only XXXX for my last lease in XX/XX/XXXX was valid. 3 separate inquiries from Equifax Mtg. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were not initiated by me and I never saw before. I attempted to call their listed telephone number ( XXXX ) XXXX and he automated system was not helpful and disconnected my call 5 times. 
Frustrated, I looked up your website and seek to have these inquiries flagged and hopefully removed from my report. I have had hard time rebuilding my credit after a prior marriage led me to bankruptcy.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (FL)

I am XXXX and have been on a fixed income for the last few years whole I'm waiting to have my last XXXX XXXX done that will help improve my quality of life and hopefully allow me to go back to work. However, as of right now I have lost my place to live, so I am XXXX and I haven't eaten in 2 days. Why? Because on XX/XX/XXXX and XX/XX/XXXX there were several unauthorized transactions that occurred from 2 different hotels, a XXXX transaction, and a merchant called XXXX which I found out is an online auction site. These charges totalled {$570.00}, which is almost half of what I receive to live on each month all month long. I contacted XXXX XXXX ( XXXX XXXX ) and they said I needed to fill out their fraud questionnaire and send it back within 10 business days to receive provisional credit if the investigation wasn't complete. I received the paperwork on the XX/XX/XXXX and faxed the paperwork immediately the same day. I also faxed it again on the XX/XX/XXXX and again on the XX/XX/XXXX because each time I called to check the status of my paperwork they kept telling me they had not received it and just to re fax it and once it was received, my account would be credited. It was not until this afternoon of the XX/XX/XXXX I finally got to speak to a supervisor who advised me they still had not received my fax and because it was not within 10 days I would not be receiving a provisional credit. I explained I've been waiting on this for almost 3 weeks already, I've faxed the paperwork 3 times and the first 2 times within the 10 business day time frame so how can they deny me money that was wrong fully taken from me and is rightfully owed to me? I am attaching proof of the facsimile transmission that shows I indeed faxed the paperwork when I said I did and I am going to mail the paperwork in as well but I can't even afford to feed myself, much less stamps and envelopes. Ive lost so much because of this, and all I want is to try and get my life back to normal and get what's rightfully owed to me. It's not fair that I should be punished because this financial institutions employees aren't doing their jobs and making sure my paperwork was processed properly.
Consumer complaint received 2018-12-20
Product: Debt collection — Other 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: Premier Holdings (VA)

On XX/XX/2018 XXXX XXXX left a voicemail on my telephone stating that I needed to contact him on that date. He gave a callback number of XXXX but his caller ID was that of the XXXX County District Attorney. His message stated that a warrant for my arrest was being prepared and that I better like bologna sandwiches. I contacted the XXXX County District Attorney and they stated they didn't have a record of me in their system and they certainly wouldn't leave a message like that on a voicemail system.
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (FL)

I checked my credit and saw an account from OPTIMUM OUTCOMES INC for XXXX XXXX XXXX. 

I have been in XXXX XXXX  since XX/XX/2016, and was just XXXX one week ago. I have never received any correspondence about this bill, how to dispute it, or any info about financial assistance to pay it.
Consumer complaint received 2018-07-25
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: Experian Information Solutions Inc. (CA)

I had a XXXX XXXX XXXX credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted XXXX XXXX XXXX to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/18 opened account and checking account with usaa. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to USAA she couldnt give me any more information or escalate my call.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

As of XX/XX/18. My Wells Fargo accounts have charged me {$3300.00} in fees over the past 90 days. I have personal and business accounts with Wells Fargo. The fees appear systematic and predatory to benefit the bank itself as opposed to the companys disclosures to offer a platform for small businesses to grow.
Consumer complaint received 2018-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

I have contacted XXXX XXXX numerous times regarding calculation of my qualifying payments toward Public Service Loan Forgiveness ( PSLF ), and receive the same message every time : " We're behind and we're working on it ''. I've been waiting 15 months. Here is my timeline : XX/XX/XXXX - Submitted first employment certification for Public Service Loan forgiveness ( PSLF ) and loans were transferred to XXXX XXXX. I was told payments toward PSLF would be calculated. I've been with the same employer and paying on a IDR plan since XXXX.I was told average calculation time was 90 days. 

XX/XX/XXXX - I had an issue with early termination of my IDR plan and reassessment of payment amount, which ended up in my filing a complaint with the U.S. Dept of Education Student loan ombudsman. During resolution, one of my terms was to ensure payments made during this period  would count toward PSLF. I submitted another employment certification ( same employer ) per their request, and received notification that I had made 4 payments toward PSLF, which I was told were from the period of when the complaint started to resolution ( XXXX ) yet the letter says my qualifying employment was XXXX, which doesn't even equal 4 months. 

Since this time, I've contacted XXXX XXXX 2-3 times  asking about calculation of my other payments ( XXXX ) qualifying for PSLF. I've been told the servicer is " backlogged '' and " calculations are taking a long time '' which they can not provide a frame of reference. I am about to switch jobs, and would like to know how many qualifying payments I've made to consider future plans for my employment. 

Also, I wanted to add that my husband is also currently paying toward PSLF. He has submitted two employment certifications and received qualifying payment counts within ~3 weeks on average. His loans were originally under another servicer, and XXXX XXXX  was able to count all of those payments within a mere weeks, whereas I've been waiting 15 months.
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

In XX/XX/XXXX I canceled XXXX XXXX XXXX cabel, land line and internet services do to moving and at new address which was in different county this XXXX XXXX XXXX XXXX was not avalible. All XXXX XXXX XXXX equipment was returned to XXXX XXXX XXXX and balance was paid infull. 
Sometimes in earily XX/XX/XXXX I received email that new updated equipment was sent to me at my old address ( I no longer live at that address since XX/XX/XXXX ) and upon receival of this email I lived at different address and county. I immediately called XXXX XXXX XXXX to resolve this issue and I was told that it was a mistake on XXXX XXXX XXXX 's end and that it will be taken care of. Few months later I received a letter stating I was sent to collection for non returned equipment, I immediately called XXXX XXXX XXXX to resolve this issue and it was extremely difficult for them to understand what happened. I was told I will get a call back by supervisor to resolve this issue and I never did, every few days I would call back and it was taking a lot of times and frustration to explain same thing over and over again. 
At this time I was told that I was also being charged for land line that I no longer have and I was paying for it for two years and I could not be reimbursed for it but then yet again I got sent to collection for equipment not returned at address that I no longer live. All of this information is correct and it is in XXXX XXXX XXXX 's history file, it just takes someone who's willing to look in to this issue and see that two years later I was sent replacment equipment at address that I no longer live and I did not have XXXX XXXX XXXX cable and internet service since XX/XX/XXXX. The amount claimed that I owe is {$200.00} Thank you very much.
Consumer complaint received 2024-11-06
Product: Credit reporting 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. (FL)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is XXXX me and making me XXXX on why and how this happened.
Consumer complaint received 2018-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I have repeatedly asked for the full, un-broken chain of title with all Assignments and Substitution of Trustee recorded documents yet only receive rob-signed Assignment with the undocumented papers from closing. I was told I could call XXXX XXXX XXXX/SPS in XXXX XXXX XXXX UT to set up a viewing of the original wet-ink Deed and Note together along with the full Chain of Title that they had in their possession in order to qualify them to collect/foreclose and/or modify my loan. When I called I was told that they would first mail me the documents then when asked when I could set up an appointment to view in person I was told that he would get back with me once he found them ... Haven't heard back yet they still have a XX/XX/2019 sale date pending while they " look for my documents ''. I have requested that while they do their researching if they would cancel this sale date immediately, but they have not to date. 
I am very concerned that this company has no idea who the owner of my loan is as they said it was XXXX but no ID number was attached to my loan to verify, then it was XXXX XXXX, who is currently being shut down/sued as all the others who has said they owned this loan, and since no one can produce any facts and just bully me with sale dates I am very concerned that they will illegally foreclose without any rights to my loan at all!
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX Customer Name : XXXX, XXXX American Express has refused to honor the bonus promotion of XXXX Delta miles under which I opened a new Delta Gold Amex card in XX/XX/XXXX. I easily met the terms of the offer -- spend {$2000.00} within the first 3 mos for XXXX miles. By XX/XX/XXXX, I spent $ 2500+. 
Thus, I should have had XXXX Delta miles credited to my Delta frequent flyer acct. It never happened. 

On or around XXXX XX/XX/XXXX : i chatted online w/ Amex to inquire re : the status. See attached screenshot. Amex claimed to have opened a case to investigate the terms of the promotion and needed to be reviewed and it should take no longer than 6-8wk. I even offered to submit the promotion terms to expedite the process. Amex refused my offer, a red flag. I waited and waited and eventually forgot b/c Amex NEVER got back to me. I never received my XXXX bonus miles. 

On or around XXXX XXXX ( not XXXX ) : I called Amex to close my account now that I was being charged {$95.00} for the annual fee. I inquired about the XXXX bonus miles. Amex confirmed that I met the terms for the bonus miles, i.e., I spent $ 2500+ XXXX   XXXX Case ID Dispute XXXX. He put notes on acct. 
XXXX stated that he's also including {$95.00} annual fee in the dispute to be waived. I asked to change the card to one w/o an non-annual fee, but XXXX said that bonus miles might not be credited. I didn't agree since I met the terms of the promotion a year ago and the fact that it hasn't been appropriately and timely credited shouldn't force me to keep my acct open now. But he/amex advised that I have to keep the card as Delta Gold. My  concern is that if I don't close the card within 30d of the annual fee charge, Amex won't ever credit it. XXXX assured me that it would be credited when the XXXX bonus miles are credited. I asked When should miles post? He said 6-8wk, but I should see it in less than month. Offer code seen. He confirmed that I spent {$2500.00} by XXXX. 
I was concerned that Amex said this same thing a yr ago and never followed up. XXXX reassured me that I would be able to see the dispute he opened about the bonus miles and the annual fee in my online acct under " Disputes. '' Despite logging out and back in, this dispute never showed up. He said to give it more time. 

It's now been two wk and the dispute he claims to have opened is nowhere to be found on my account. Amex is trying to trick me into leaving my acct open so that I have to pay the annual fee {$95.00} even though I haven't used the card in a yr. If I don't pay, Amex will report this as derogatory to the credit reporting agencies.

Amex keeps breaking its promises. I have the proof.
Consumer complaint received 2018-07-24
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 worked for non-profits since XX/XX/XXXX and was told that all of my payments were eligible for Student Loan Forgiveness. When I applied for forgiveness in XX/XX/XXXX, I was told I have only made 8 eligible payments. I've asked XXXX XXXX XXXX to look into my account but have been waiting 8 MONTHS for them to update my account. Every time I call, they tell me it is being reviewed and in the expedited process but nothing has changed.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX there was a barrage of ads on the radio for XXXX. I was working a dead end job for a large XXXX company and found the allure of making much more money doing similar and more advanced work too compelling to turn down. I went to the school and got talked into a XXXX commitment with the promise of training, and lifetime job placement. Fast forward 6 months and before I even finished classes they were going bankrupt. There was a lawsuit in many states, handled by the XXXX firm that demanded they pay the money back, in response they disappeared and we were left holding the debt with half of our education and none of our job placement. 

All of this to say, I reached out to XXXX XXXX about this and they basically told me tough cookie. I defaulted on the loan in XXXX and have never looked back. In XXXX they sold the debt to XXXX. I have never made payment to this company, they have used aggressive tactics to try and get the money back, and even though there is a charge off issued on my credit they report me as delinquent every month. This is costing me money, and opportunities. I have disputed and called and done everything I can think to do, and its like trying to push over a brick wall getting any answers. Its time I moved on and they did too. Please help.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2018-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (GA)

Had to fill out a reaffirmation agreement and send it to XXXX  to be processed for my upcoming class. I sent them the form well in advance and they told me 7-10 business days to process. I had to keep calling back several time after the time frame to have it processed. They said they sent it to my school and my school still has not received it. I called and asked to have it emailed to me and they said they would. 3 days later still no email so I called and asked to speak to a manager and the person that got on the phone said she would expedite the email but I have no faith in that. Here it is my class in 4 days in and XXXX does not care about my paperwork. They talk really quick and try and get you off the phone but do not resolve your issues.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-11-06
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

please delete all following accounts. 
XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXAccount # XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting 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. (AR)

I RECENTLY LOOKED AT MY CREDIT REPORT AND NOTICED SOME FRAUD INQURIES THAT I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT FILE,