davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastpoint Recovery Group, Inc (MA)

I filed a complaint asking to not be contacted anymore. The same person called me again and left a really unprofessional voicemail, accusing me of hanging up on him and using sentences like the funny thing is ... You would think this is a personal matter to this individual. Again I do not want any more phone calls from this company and I dont want them contacting me or people I know again, they already did once and asked to take a message. And I dont want to be harrassed anymore. I want them to leave me alone and stop threating me with further action
Consumer complaint received 2020-12-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have summitted many disputes to fix and correct my report I've been disputing since XX/XX/2020 and we are now in XXXX and no resolutions occur. for example names are not correct and address and accounts and check system I've have send Transunion letters and all information needed and they have not yet been able to correct my information I've been a victim of identity theft This incorrect information is affecting my life please remove this as soon as possible thank you. also its really difficult to get in contact with any representive from Transunion and when I finally do bad customer services and they end up hanging my call this has happen many time.
Consumer complaint received 2017-10-16
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. (FL)

I am being charged by Experian for some premium credit monitoring services which I never signed up for. The company makes it extremely difficult to cancel the service. There is no option to cancel the services and get the refund on their website or their app. Calling customer services requires more than one hours of wait time. The first time I called ( XXXX ) and waited for half an hour  then the call got dropped. I called again on the same date and my calls keep getting dropped. After about 8 attempts and three hours later, including waiting for more than an hour, I finally got a call with a representative. I ca n't simply stop payment on my credit card because it may hurt my credit score. The way they treated their customers is unacceptable. Please look into this behavior on consumers 's behalf. Thank you.
Consumer complaint received 2020-12-26
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: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XXXX XXXX, 2020. I will be a member of the class action above.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MA)

Starting back in XXXX of XXXX, Discover Card 's pay by phone line began to register unauthorized payments pulling money from my bank account to pay them. For example, it would show a payment of {$500.00} one day and {$400.00} the very next. I know the pay cycle and my pay frequency and know I would n't have paid this excessively. In XXXX, the payments became almost daily, with Discover pulling at least {$75.00} per day out of my bank account. This created difficulty with paying other creditors and bills. I told them that I do pay by phone but that I did not pay them to this excess. 

They agreed to redeem the unauthorized charges with an affidavit filed by XXXXXXXX XXXX. In a phone call with their investigations department, they said they would not dispute this. Citizens initially returned the money, then a couple weeks ago, the account was significantly overdrafted. XXXX told me that Discover disputed the affidavit. 

I have phone records showing calls to their pay by phone line up to 10 times per day, at hours when I was n't awake and from locations I was not in ( i.e. from Connecticut right before midnight then making a second call to them in XXXX about 30 minutes later ). 

Numerous attempts to get Discover to work with me and redeem these unauthorized debits to my account have been ignored. Discover added {$6000.00} onto my balance on the premise that it would reflect what was returned to me. However, Discover has not and refuses to return any money. 

This has affected my ability to pay other creditors, which affects my credit. I have also received a large amount in overdraft fees from XXXX.
Consumer complaint received 2020-12-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-24
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. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2017-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMW Financial Services NA, LLC (NY)

This issue is against BMW Financial. My daughter has moved out and she does not need the car so I requested a lease end option as I am already struggling with finances. My husband took early retirement due to XXXX XXXX so he lives in meager XXXX XXXXunds. I called BMW and explained the situation so they offered to buy the car and BMW sent an inspector who sent in the results and BMW informed us by phone that the car will sell for more so we only owe the disposition fee of {$350.00}. When they sent the offer letter they sent it to an account other than mine but to my daughter 's email. It should have gone through MYBMW secure center. They never sent any letter regarding the offer to my email address which is on the file as the main account holder email. As a result, I received the letter late from my daughter. She assumed I had the letter too as the loan is under my name. BMW changes its statements every day. They either tell my daughter, is authorized and another day, they tell her she is not authorized. I have added her 5 times. They use her whenever it is convenient.This time, they did not send me the offer letter to my email or my secure BMW account and because of that confusion, the offer expired. when I called them to resent it, they came back with an offer to pay off with that {$7000.00} payment. They told me the other offer expired. I told them that I never received the letter. They refuse to go back and honor the same offer as I never received the letter on time. They told me to always write through my BMW secure center, yet they do not practice that rule. They are sending emails all over. They told me that my daughter asked to send the email there but I told them you should still send it to me as we are never sure if she is on or not. When you call to confirm, they use my email as the email confirmation yet they break their own rule to send an offer letter to her and to the main account holder. For the last 8 month, every day, it is a different issue. They never write back. Today I talked to a supervisor and complained that why do n't BMW use MY BMW secure center as all lending organizations so today she listened to me and just she sent me another letter. Now she is telling me to pay the whole residual of {$42000.00}. All calls we make are recorded an on the account so you will understand my struggle. They never write but say things over the phone. They can erase records to control themselves.Is there any solace for the customer. My dispute is-I want the same offer letter to be sent to me via the correct email account which is mine. They confirmed my email account many times and yet decide to use my daughters for the offer letter. 
Is n't this unfair, deceptive practices?? 
Thank you XXXXXXXXXXXX
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I was told by XXXX XXXXe that I had until Monday XX/XX/XXXXto e-mail the modification package to them because the foreclosure sale date was set forXX/XX/XXXX. I was told that they would be able to halt the auction slated forXX/XX/XXXX and they would review the modification package. I e-mailed that modication package on FridayXX/XX/XXXX, which is 3 days prior to the date they had told me. I included all supporting documents they requested. I called Ocwen multiple times to find out the status of the modification package. The first time, Tuesday XX/XX/XXXX, I was told it was too early to give me any update and that I should wait five business days. When I called Ocwen today ( Monday,XX/XX/XXXX) I was told that my application had been denied because I sent it in too late. I was also informed by Ocwen that they never even looked at the package.
Consumer complaint received 2017-10-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (FL)

I was thinking of refinancing my VA mortgage. I called a few brokers and they quoted over the phone and via email some rates. I decided to call XXXX XXXX, I have seen many of their TV ads. I talked to a XXXX XXXX XXXX XXXX over the phone and asked him to quote his rates for a 30 yr fixed. He informed me that he " did not have the rates '' but if he asked me a few questions that he could give me those rates. I informed him of my approximate credit score and told him that all I want is the rates. I told him I did not wany him to run my credit, He told me that if my credit score was as high as I said that running a credit check would not change them. I gave him the info he needed and after he gave me the rate I told him that I was not interested as the rate was 1 point higher than some of the rates I was quoted. Under no circumstances was I interested. 3 days later I received an loan application all filled out with a loan number, as if I was applying for the loan. They did not even have the courtesy to mask my and my wife 's SSN, I then received a phone call from them asking why I withdrew my application! They have sold my info to other companies because I am getting a phone call from other companies almost daily.I was never told nor did I give them permission to fill out an application, I am sure this effects my credit score and history, they had no right to do this, I feel they are taken advantage of veterans.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. Experian and XXXX are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want one of their customers to use their credit file to decision me. XXXX even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ 10+ to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I opened a checking account with TDbank back in XX/XX/2019 and at the time TD was not charging international transaction fees and that's one reason I opened my account with them. XX/XX/XXXXthey charged me two fees XXXX for international transactions and another XXXX for what they consider international transaction. I called them to dispute it and they said they started charging in XX/XX/XXXX. I am prejudiced by lack of prior notice and was not afforded a chance to close my account before they start charging.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NJ)

Fraudulent charges were made and about XXXX was stolen from my account. Eppicard representatives were not helpful and act like they do not care about fraud transactions. The workers should be looked into and this company should be looked into, as many others have experienced fraud with this company. How evil of a scam to steal from a child support program that is to go to children.
Consumer complaint received 2017-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (SC)

Guild refusal to release my check to repair my home from water damage along with having my XXXX XXXX XXXX insurance cancel due to not releasing the check in a timely matter my home now have black mold and my floors are bare without carpet both of my master bathroom closet and my master bedroom closet have black mold in spreading in different area of my home. I have made numerous attempts to fix this problem with Guild Mortgage first they told your office they never received the check in XX/XX/XXXX to the fact it has expired must be cash within six months. XXXX XXXX XXXX issued a second check in XX/XX/XXXX which they now have and due not want to release. Guild Mortgage lack of sending my insurance check because I fell behind in my mortgage. Guild Mortgage have try to foreclose on my home and still have not sent this check the water damage happen on XX/XX/XXXX. It is almost a year and my kitchen floor is also coming up. They continue to ask for a contractor bid and what major repair in my home. In the estimate itself a contractor is not needed. The repairs in my home is for me to buy carpet and padding, in two rooms of my house. Buy a new bathroom vanity these items along take measurement and have been done. Closet repair, paint and clean floors. Money to get a dump truck to remove a damage bed, damaged carpet and padding and old tile to be throw out which these items are and have been on my back porch. I do not need a contractor for what is on the list of things to do from XXXX XXXX insurance company. All Guild Mortgage was supposed to do is sign the check and return. Guild Mortgage have been deceptive and continues to be to the point your agency is part of the federal government and I have the documents to prove they received before my first compliant was filed. I ask your office to call XXXX XXXX XXXX XXXX to speak with the office regarding both checks and also if additional repairs was needed in my home I would have gotten additional money but due to Guild Mortgage not releasing the check my home now contain almost a year of mold in my home which my younger daughter had to temporary move out her room suffer the most damage. XXXX XXXX XXXX XXXX, my claim examiner XXXX XXXX can also verify Guild Mortgage is to only sign and return. I file to claim regarding Guild Mortgage withholding my first and second repair check due to massive water damage. As well as stopping my mortgage company to fix my home after the damage to verify this statement XXXX AND XXXX when they stated to your office they never received the check. I am sending today the XXXX XXXX receipt and the copy of the check issued and send to Guild Mortgage before filing an complaint on XX/XX/XXXX is when it was mail to my home and XX/XX/XXXX federal government acknowledgement of false statements given to your office on my behalf. Also, I am sending a copy of the second check that was reissued and mailed on XX/XX/XXXX sent by XXXX as well. Guild Mortgage still have not given me a Loan Modification and requested documents was given
Consumer complaint received 2017-10-16
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. (GA)

This company XXXX XXXX and XXXX has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XX/XX/2012 in the amount of {$1200.00}. I have never done business with these people and have not agreed to anything with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

My wife and I were both involved with the security breach at Equifax and our credit is at risk. We both signed up for Equifax 's free credit monitoring - Trusted ID premier. We both established accounts on their web site. When both of us tried to freeze access to our credit reports, the system produced an error message Status-Request Failed ( see attachment ). The web site said to call their customer support number. Several times, I called this number and every time they tried to transfer me to another customer support team. Every time I was transferred, they said I was in the wrong group and told me to call the original support number I called. This has happened several times. I asked to be transferred to a supervisor, and they just put me back in the que to begin talking to another support person who will not help us. Equifax has refused to address our problems and will not allow us to freeze our credit reports.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NM)

XXXX - I paid off my automobile loan in the summer of 2010. I  requested a copy of my credit bureau from XXXX, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.
Consumer complaint received 2017-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft. This company requested my credit report without my consent. Although no accounts were opened in my name this inquiry still shows on my credit file. I have attached copies of documents from other companies documenting the identity theft.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am enrolled in credit monitoring and I also review my credit report online often. Today when I reviewed my credit report, XXXX XXXX is listed on my Equifax report as showing me being delinquent for last year XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had to submit this over recently because this was not on my credit report last year and I do n't recall being 30 days late last year. I even refinanced w/ the company this year so it seems impossible to have been late. I am not sure why this was recently reported on my credit file and would like it to be removed because it is affecting my credit.