davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I contacted Trans Union to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my Trans Union online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling Trans Union and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report.

I contacted Trans Union again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

XXXX is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from XXXX  : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )
Consumer complaint received 2018-09-26
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: Experian Information Solutions Inc. (IL)

OPENED SECURED CREDIT CARD PAYED ON IT EVERY MONTH AND ONE MONTH REPORTED 30 DAYS LATE HAD NO BALANCE SO DID NOT MAKE PAYMENT THAT MONTH THEY SAID I OWED EVEN IF DIDNT HAVE BALANCE NOT FAIR JUST TRYING TO LIVE ONE DAY AT A TIME THANKS
Consumer complaint received 2016-08-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Special Financing Company, LLC (OK)

I have a loan with Special Financing that was arranged for and set up by XXXX a company that I now believe is a scam. They have misrepresented and failed to provide the services I was sold. I have stopped payments on this loan and am trying to get the XXXX the company who is responsible for the brokering of this loan to refund the money to them. Special Financing is working with this company who is not fulfilling their promises. When they called me about payment I referred the to XXXX and they said that they will have them contact me. I have still not received any contact from XXXX. I do n't believe they will.
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IN)

I have contacted XXXX multiple times and got different answers every time. Unfortunately, I did not keep record of all my phone calls. I have also sent some emails which were returned with a generic response to call in or in some cases, I never received a response at all. Regardless, I had my loans transferred to them around XX/XX/XXXX. My first payment directly to them came out in XX/XX/XXXX. I was told then that they could calculate my number of applied payments for PSLF as soon as they received the information. I still have a number of 0. I have been told multiple times they are waiting on information. They then said they had all the information and my documents were in line to be reviewed. Then I was told that the previous loan servicers didn't send them everything but it was being escalated to a supervisor and I should expect it to be resolved within a month or two. When that didn't happen I called back in again. They said they sent it to their supervisor again this time. The last person was not very helpful or nice. She said they had everything but it'd be awhile since I only started making payments in XX/XX/XXXX-XX/XX/XXXX year. She wouldn't tell me anything other than it'll be awhile. I keep being told one minute they had everything. Then they said they need more information and then again that they have everything. Over and Over it seems. It just never stops. I have been making payments directly to them for nearly a year now and still have nothing. I haven't turned in a new verification form because they won't load my old ones and I want to know when those are loaded. I have looked for places to report the issue to and can not find anywhere else related to the government to report this to. This program has turned into such a sad thing. I have read online many people who should be approved are also getting denied. I really wish the government would in step in and do something!
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D. SCOTT CARRUTHERS (CA)

I have been paying on this account for over 10 years and I feel I have paid to much. The original amount owed was {$20000.00}, and the agreed amount is {$11000.00} I've paid this debt amount down to $ XXXXThe monthly payment is XXXX. The amount of the loan was {$5000.00}. They didn't explain to me about the high interest amount. I thought I had paid the full amount, but they turned this into a collection agency. The collection agency is XXXX XXXX XXXX XXXX. The original account number is XXXX and the current account number is XXXX ill you please investigate this company to see if this is legal Thank You.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a Citi Checking and Savings account online with the following promotion on XX/XX/18 : ( Open a new checking and savings account in the Citibank Account Package Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. 
Get {$400.00} deposited to your account! ) I have deposited the money into the accounts on XX/XX/18 and maintained the balance for over 60 days, therefore I fulfilled the requirements on XX/XX/18. 
However, the {$400.00} bonus was not ever credited as of XX/XX/18. ( I noticed that the savings and checking accounts are not linked together in the system, possibly messing up their records ) After numerous calls and online chats ( at least 10 times and 8+hours ), the company opened a case ( # XXXX ) to investigate on XX/XX/18, and then proceeds to tell me to wait 48 hrs for a solution. After 48 hours, I called Citi again, and the Rep proceeded to tell me to wait 45-90 DAYS for a resolution! After this outrageous call, I decided to file the compliant with CFPB.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had an account with XXXX XXXX but closed the account and XXXX XXXX   sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named The XXXX XXXX.but the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had an account with XXXX XXXX but closed the account and XXXX XXXX   sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named The XXXX XXXXbut the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (MO)

This company ( Receivables Performance ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$0.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-10-04
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)

Transunion got my dispute and and almost 30 days later the account was removed from my credit file. The account popped up again and i sent another letter asking them why did they place an account back on my credit file after it was removed and I got a letter back saying that all information is considered accurate and that because of the data breach with their company alot of clients accounts were removed and added back. I then told the rep not without a 5 days notice and she was not understanding me after i told her that. 

Account : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (MO)

This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I've exhausted all efforts to correct this with XXXX XXXX XXXX XXXX and they refuse to address it. I've filed numerous disputes via all of the credit bureaus and it's still showing up on the credit report incorrect. 

They are reporting a 30 day late for XX/XX/XXXX. I will attach screenshots of the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments on THEIR OWN statements showing the payments were made.
Consumer complaint received 2018-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC (TX)

Credit Service Company Inc. 
XXXX XXXX XXXX XXXX  XXXX CO XXXX Sent me a debt collections bill. I called and I told them that I had already paid that bill and I could prove it because the amount was removed from my bank account. 

They sent me another bill in the mail. I called them again. They said I needed to pay them within 24 hours or they would hurt my credit report. 

How dare they attempt to extort and terrorize me in that way. As if I could ever get my money back when they determined they were in error. 

P.S. I do have proof of payment and I can provide that as needed.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I contacted Experian after seeing that a collection was placed back on my credit file after it was removed due to it being inaccurate. They informed me that sometimes their website removes accounts then place them back when updating. i told the rep not after 60 days there is no way you delete an account and place it back, then he agreed with me. He then said he couldn't think of any other reason this would happen and that he did see that it was deleted but he could not give me a copy of that deletion The rep then said that I could dispute the account again if I wanted to. I then disputed the account again letting them know that they reinserted a account that was once removed due to my disputing the account as inaccurate. 

ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX
Consumer complaint received 2018-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

Quicken Loans Inc. defalcated on a loan dated XXXX of 2016 in which they sent falsified documents to HUD in order to close an unaffordable loan that has caused me to go into default. They used wrong information to get the loan certified and insured by shoveling the numbers. Though nothing changed as to my income, interest, property taxes and insurance, or the PMI on an FHA loan, the mortgage payments went up from a barely affordable amount that I did not have a hard time paying to an amount that added up to more than 50-percent of my income and I am on a fixed income. It turned out that they used someone else 's property taxes and not mine at origination in order to make the loan appear affordable when they knew it was not at the time. It was a clear RESPA VIOLATION and a violation of the TRUTH IN LENDING ACT in order to falsify the loan as affordable. The intent -as with all others- was to foreclose on my home within one to two years and walk away with the insurance, my home, and the equity in my home. I tried to get them to fix their error by changing the loan to a conventional uninsured so the payments could be affordable again, but they said they would only do so if I would pay them {$3800.00} in " unearned '' pre-closing fees. It's all on record. Quicken is in a current settlement status with the Department of Justice for making many of these types of bad predatory loans.
Consumer complaint received 2018-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

Graduation 2006. $ XXXXdebt/Flooded in Katrina . Home flooded, my wife and children had to relocate/join me in TN. Have aggressively paid Loans. We Question how Principle is applied, the 10Year Forgiveness Program, and Income-Based Exclusionary Loan Forgiveness Program. Responsibile Good Stewards of Loan Repayments. Countless phone calls, begging, seeking Resolution. 1st complaint XXXX. The process restarts with a new high school graduate, Been unable to contribute to a college fund. Navient is Criminal and Stifling in its Loan Practice. MS Navient Lawsuit/Attorney General XXXX XXXX. Balance- {$19000.00}!
Consumer complaint received 2018-10-04
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 (CA)

If you think that American Express will help you when a business cheats, think again. I had an Amex card for decades but when I had a problem with a car rental overcharge earlier this year it was the merchant that Amex supported. The company was XXXX in XXXX. I had a confirmed reservation with a price of {$180.00}. That price included, itemized {$65.00} in fees and taxes. When I returned the car the XXXX agent claimed there was accident damage. That was not true and what he referred to was a loose panel under the front bumper. It was noted on the inspection slip when picking the car up. When the statement arrived XXXX had charged {$370.00}. I filed a dispute with Amex. Then contacted XXXX and XXXX claimed the additional was for fees and taxes. When I pointed out that of the original {$180.00} {$65.00} was already added for fees and taxes and that it would be absurd for a rental charge of {$110.00} to have fees and taxes totaling {$260.00}. This went back and forth over several months and Amex just supported XXXX. I decided it was simply not worth more of my time and gave up, but not before closing out my American Express account. All the details are posted at : http : XXXX XXXX XXXX XXXX   XXXX.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

This is the original complaint : My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them.

After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone.

They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months. 

This is my addition : The company stated it issued information regarding the credit card via US Postal.

THIS MAIL HAD THE INCORRECT MAILING NAME ON IT!

I tried multiple times to correct this! I believe at this point it is STILL not my legal name which i attempted to numerous times to have them correct! 
The Name on the mail was XXXX XXXX XXXX. 
THIS IS NOT MY LEGAL NAME! ALL CORRESPONDANCE WITHOUT MY LEGAL NAME EITHER FAILS TO REACH ME OR IS DESTROYED. 
THIS BANK DID NOT CORRECT MY LEGAL NAME ON THE MAILINGS AFTER MULTIPLE ATTEMPTS BY MYSELF OR MY LAWYER.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TN)

In answering CFPB Complaint XXXX on XX/XX/2018, XXXX XXXX stated that " they had updated the disputed status of the account and suspended collection efforts in their office. '' On XX/XX/2018, XXXX XXXX broke their agreement and initiated collection efforts once again on a time barred debt. 

Not only does this company not comply with the laws of the FCRA and what they report to the Credit Reporting Agencies ( CRAs ) but they break their agreements with the CFPB.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The Business Card that I had and that was reported on my Credit File in addition to the Business Credit File whom had the primary responsibility to pay. Was paid in full after more than 2 years of on time payments. 
I complain about being in my report as paid and closed, being paid in full in addition to performing as previously said and now appears as closed in a derogatory status after paying in full and more than 2 years of having paid on time as I can see in the last two years of information. 

Paying in full for more than 24 months in a row and closing never means closed derogatory. 

The account was late once in the payment for less than 30 days from the payment date and responsibility the bank that submited the wire to pay from the business account. Was explained to the Capital One Bank and you mark my personal report as closed in a derogatory status when nothing was owed for more than 24 months?
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I received a " Notice of Violation '' in XX/XX/2018 for allegedly running a red light in XXXX XXXX, Texas on XX/XX/2018. This notice indicated that I owed the " XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX  '' a balance of {$75.00}. On XX/XX/2018, I sent a cease and desist letter to this corporation located in XXXX, Ohio. I formally notified them that non-compliance would result in my filing complaints with both the Federal Trade Commission and the Texas Attorney General 's Office. I sent this letter via Certified Mail, and I received a receipt from the corporation that they received my letter. I have copies of all correspondence and receipts. 

On XX/XX/2018, I received a debt collection notice from TransWorld Systems , Inc. from XXXX, Ohio. This notice informed me that the account had been placed with them for collection, and the balance had increased to {$100.00}. I contacted the Consumer Financial Protection Bureau on XX/XX/18 and spoke to XXXX ( ID # XXXX ) to begin the formal complaint process, and I was referred to this website to continue my complaint. I plan to send an additional cease and desist letter via certified mail to TransWorld Systems , Inc. today.