davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-05
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. (WI)

I took a 7-day free trial with XXXX XXXX belonging to XXXX XXXX XXXX, an Experian company. In order to cancel it you must call their toll free number. I have called and called. And waited for over an hour, even though wait time was supposed to be 15 minutes. No answer. They are charging my card on file for a membership that is impossible to cancel.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (TX)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : EMPLOYER : WISCONSIN XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

XXXX XXXX XXXX System Account # XXXX ( XXXX ) XXXX a derogatory mark was placed 6 times for XXXX of XXXX Even though I was in XXXX with the United States XXXX and I told them I was leaving. 




XXXX XXXX # XXXX ( XXXX ) XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time for XX/XX/XXXX a derogatory mark was placed 1 time forXX/XX/XXXX These were placed on my credit report even though I was placed in forbearance for a temporary pause in schooling.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

Good Day. 
Regarding an American Express BlueBird pre-paid card I have : CARD # : XXXX XXXX XXXX $ BALANCE = {$1500.00} ( This is a cash deposit I made at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, VA XXXX ( XXXX ) XXXX. The total amount has been frozen, and I can not use the card either, since XX/XX/XXXX. ) Whenever I call American Express BlueBird company at XXXX I get this message : " Your account privileges have been permanently suspended. An email has been sent to your account ... '' Then the representative informs me that : " I need to submit to accounts-review to see how come your account got suspended '' ... and when I ask more questions the representative proceeds to either hang up on me, or repeat the same phrase to me over and over and over again : " I need to submit to accounts-review to see how come your account got suspended ''. 

It has been ongoing since XX/XX/XXXX. 

From XX/XX/XXXX to XX/XX/XXXX I have contacted the company five times by telephone. 

I have contacted the company four times by e-mail ( e-mails sent to the following Executive Contacts ) : Primary Contact, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Secondary Contact, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I have sent letters to American Express BlueBird four times by post/mail to : American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( I have received no response, no reply. ) Please resolve. I want to receive a refund check of the full amount {$1500.00} back to me at the address on file. 

I appreciate the platform you provide to resolve such instances of poor customer appreciation. 
Thank you. 
XXXX XXXX, XXXX.
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (AZ)

I have Discover Credit card for years. They have a price protection plan. in simple terms - if you buy something online and that something is found to be of lesser value within 90 days - one can submit the claim and get the difference amount. I submitted one such claim Claim # XXXX My price protection claim was denied for really weird/unacceptable reason. The XXXX XXXX camera with lens that i bought it - it was found to be cheaper within few days. But still my claims was rejected.
Consumer complaint received 2017-07-27
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account was closed on XXXX/XXXX/2012 due to suspected fraud activity in the amount of {$97.00}.
I was never notified of this and only discovered this information by accessing my XXXX XXXX report. When I have contacted the bank, they have no information on how I can resolve this issue.
Bank of America XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2017-07-26
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. (TX)

I reached out to TransUnion, XXXX and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. Transunion, XXXX and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

1. Provident Funding purchased my Mortgage Service Account from XXXX XXXX and assigned Provident Funding Number XXXX to my account, XXXX for short. 
2. XXXX XXXX XXXX XXXX coordinated an electronic payment interface with Provident Funding Accounts Receivable Personnel. 
3. Electronic Payments Due XX/XX/XXXX and Due XX/XX/XXXX were successfully conveyed from XXXX XXXX XXXX XXXX to Provident Funding. 
4. Electronic Payment Due XX/XX/XXXX, was delivered on XX/XX/XXXX in the previously normal amount of {$970.00} Subsequently, a second electronic payment in the amount of {$72.00} was delivered on XX/XX/XXXX for a Total XXXX Payment of {$1000.00} executed on time. Processing both experienced no obvious anomalies. 
5. Electronic payment XXXX XX/XX/XXXX was delivered successfully on XX/XX/XXXX suggesting no electronic systems problems may have occurred. 
6. I have no further external information to contribute.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MI)

Called Barclay Bank when I saw a hard inquiry on credit report. The report said they checked my credit report on XXXX 2017. When I called they said they had no record of checking my report and told me to dispute it.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

XX/XX/2014 ( 3 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX FOR XXXX This is on my credit report and i have told them it is not mine that i believed it was my sister but it is not mine i said it could be my sister because she has done this to me be for I have XXXX XXXX  for the last 8 years so i would have used that
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (TX)

On XX/XX/XXXX a payment was debited from my account in the amount of {$250.00} made payable to ditech. In XX/XX/XXXX the payment was identified as being 30 days late. I called and explained the auto-payment scheduling had expired and once I noticed, made the payment immediately which was less than 30 days. They contend that they dont do people favors and that they did not receive the payment. Below is the correspondence that I sent them and never received any resolution to the issue of this payment was not 30 days late. I even included a copy of my bank statement. I believe ditech has issues with their accounting systems that dont properly reflect when payments are received and deceptive in not contacting you in the event that there is an issue with your account. I have consistently paid this debt in a timely manner and take exception to how I was treated and the fact I have a derogatory mark on my credit report.
XX/XX/XXXX I dont appreciate the flippant tone used in the letter and the intent behind your words are both troubling and reason for me to escalate internally in your company. As mentioned in my initial complaint, these payments set up through auto-pay from my account on the same time each month. There was an issue somewhere along the way and once it was identified I immediately submitted payment. If the account representative that called me would have informed me of the issue the payment would have been made sooner. Attached is a copy of my bank statement showing the payment was made on XX/XX/XXXX, so this indeed needs to be corrected on my credit report. Please adjust on XXXX and XXXX immediately.
XX/XX/XXXX As previously provided payment was received prior to XX/XX/XXXXthe {$250.00} is shown debited from my account on Wednesday, XX/XX/XXXX. There was no check to provide because this this was an electronic transfer which your antiquated records should show. I am not requesting a courtesy or need assistance with my credit score. You records are incorrect and I will be providing this proof to all three credit unions and will escalate internally within your company prior to finding another institution to service this loan. Your correspondence has been unprofessional and disrespectful. This is my final request for you to rectify the situation.
XX/XX/XXXX As previously stated, I dont agree and will begin the dispute process with all credit agencies. I am also in the process of trying to transfer this loan to another financial institution. I have excellent credit and always available to discuss any issues revolving around my account but I will not tolerate the unprofessionalism and disrespect I have experienced the past six months. I also plan to provide copies of all of our correspondence to the current President XXXX XXXX  The way this business has been handled up to this point, I am not surprised that this is the fourth CEO named in less than a year.
Consumer complaint received 2017-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (RI)

Equifax has a late payment reporting error on my credit report for {$7.00}! It is the only negative blemish on open accounts for me. Everytime I try to send them a correction, their system crashes. It just about looks intentional
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (VA)

On XXXX XXXX, 2017 my mortgage company informed me that a collection item for IC System XXXX XXXX XXXX XXXX XXXX, MN XXXX  XXXX {$720.00} XXXX XXXX/ XXXX is being reported on all 3  bureaus. I have sent 2 request to the company advising that I had no knowledge of the debt/account prior to it appearing on my credit, I have never lived at addresses associated with this account and I did not receive my right to dispute the validity of this account prior to them reporting it on my credit.i have submitted disputes with the credit bureaus as well
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is not a duplicate complaint ; the issue from XX/XX/XXXX was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!
Consumer complaint received 2017-07-28
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. (NC)

There are several accounts that are incorrect and not coherent with the other credit bureaus. Some accounts do n't even have my name spelled right and do n't belong to me.There are accounts that are out of date and also closed that should be automatically removed but have n't been. I have tried to submit a dispute but I have n't gotten any feedback. This is hurting my credit score more than the correct debts owed.
Consumer complaint received 2018-01-30
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 — Problem with personal statement of dispute
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

On XX/XX/XXXX I made an online payment in which I had done for almost the whole previous 11 months of that year despite the fact that they charge XXXX to pay online. My payment was subtracted from my bank account and then credited back 6 days later. I was not aware only to get a bill for XX/XX/XXXX stating I was 30 days late. I called XXXX and spoke with 3 different customer service reps no one could explain what happened why I was credited back the money. Since I didnt want to pay late fee and the fee to pay online I mailed a check for the amount to cover XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX cashed my check on XX/XX/XXXX and left me a negative 30 day late on my credit. They refuse to budge even though I was not made appear that the payment was processed incorrectly on their end and not notified it was returned. 
They are a scam. Charging fees, late fees and not processing payments
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

When I first learned I was eligible for PSLF in XX/XX/XXXX, I immediately contacted FedLoan Servicing to transfer ALL my federal student loans to FedLoan so I could participate in PSLF. A FedLoan rep talked to me on the phone while I logged onto StudentLoan.gov and made the request. I also signed papers Fed Loan sent me. I clearly stated I no longer wanted any in-school deferment and signed a waiver.
However, FedLoan only transferred and re-consolidated {$94000.00} of my federal student loans. In XX/XX/XXXX I discovered XXXX/XXXX XXXX XXXX still held approximately {$32000.00} in federal student loans. I immediately contact XXXX and FedLoan Servicing to request the loan be transferred to FedLoan and re-consolidated to participate in PSLF. I resumed making payments on those loans in XXXX or XX/XX/XXXX, and have continued making payments to this day.
It took FedLoan seven months ( and over six phone calls and three complaints ) to finally transfer my loans. The loans were transferred XX/XX/XXXX.
Despite filing frequent ECFs, FedLoan has refused to designate any qualifying PSLF payments towards those loans. The first time I called about this, a manager told me she had no idea why those loan payments were not counted towards PSLF. She told me she would start a six month review.
When I called today, a representative told me those loans had been put into an administrative forbearance from XX/XX/XXXX to XX/XX/XXXX, and again in XX/XX/XXXXto XX/XX/XXXX. The loans had not even been transferred to FedLoan at that time, they were still with XXXX. BetweenXX/XX/XXXX and XX/XX/XXXX I made repeated requests to XXXX and FedLoan to transfer the loans and reconsolidate for PSLF. I made payments during the time, worked full time at a qualifying job, and was not in school.
My FedLoan account number is XXXX.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/XXXX 2017 I became aware that my card number had been used by someone other then me to make reservations and for some XXXX that I never heard of so Immediately I called to lock my account I had just put {$400.00} o the card earlier that day for some things I had planned to get for my children for school. I checked my account before I went to bed like I do every night to discover my balance was lower then excepted I placed a call to american Express Serve. in all I think It was like 12 unauthorized charges to my account. That 's a XXXX dollars that I could n't get back and I need my money. I discovered them on X/XX/2017 XXXX for 11 charges to XXXX and 1 charge to travel reservations. I sold my truck deposited my money on to my serve card the same day.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Hello, My mortgage was purchased by Loan Care LLC several months ago. I have first contacted Loan Care back on XXXX/XXXX/2017 to request my PMI be removed as I have nearly 50 % equity in the home. Since they have my home only valued at {$290000.00} they have my equity listed at % 87. After spending several hours and many calls and emails I was finally given information on how to start the process for getting an appraisal to have the PMI removed. I mailed in a check with " PMI Cancellation Request Appraisal '' in the memo as directed in their letter. Loan Care has cashed my check on XXXX/XXXX/2017 and has still not contacted me. When I call they keep passing me from department to department all with conflicting information. They inform me that the decision is up to the escrow department but they refuse to let me talk with anyone in the escrow department. It is all very frustrating as their associates are rude, uniformed and do not assist in resolving the issue. I have also paid my home insurance in full and have requested for Loan Care to remove my insurance from escrow as I have provided them with documentation proving that the insurance has been paid but I do not get any response and no one will answer my questions when I call. Currently they are collecting insurance monthly to pay insurance that I have already paid. Please help!
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

This company keeps providing inaccurate information about my student loan and sends inaccurate communications. They have repeated attempted to steer my loan into forbearance instead of refinance or a new payment plan. They send me erroneous communications and threats on a regular basis. I have had to block them from contacting me via my cell phone due to abusive practices. At one point someone even contacted my employer and tried to discuss my student loan with my supervisor. I need the abuse to stop. I filed bankruptcy but that wo n't make this loan go away. I am attaching just one of their communications, where they make a threat to report my loan to the credit bureaus. Firstly, they are already doing this, secondly, they state to call them by XX/XX/XXXX to discuss other options, but sent this message on XX/XX/XXXX.