davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
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. (FL)

In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, XXXX, Experian, and XXXX to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.
Consumer complaint received 2019-05-20
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. ()

Requested the following information from XXXX XXXX XXXX XXXX. This is the second attempt 1. The bill of sale between XXXX XXXX XXXX XXXX and buyer. Never received any Notice of Deficiency. 
2. How were the amount calculated expenses incurred in retaking vehicle on a account filed in bankruptcy ( Chapter XXXX )? 
3. The amount generated of the amount of credit to my account. Including any payments received since date of item # 1 above other credit to which is entitled, including rebates on rebates. XXXX or credit services charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? If so, please provide the number? 

Made several attempts to correct this issue with your company. The investigation was concluded which your company arrived this erroneous decision. In addition, requesting all contact information of employees who took part in the process.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I refinanced my mortgage XX/XX/XXXX. My old mortgage payout was overpaid by {$1000.00}, and I was told I would get a refund check. They eventually sent a check to me with my ex-husband 's name on it. We divorced in XXXX and his name was not on the home or the new mortgage. It had been on the old mortgage. I called and they had me send in a copy of the title showing my home was in my name only, and return the check they sent. I still didn't receive a replacement check and called three more times. They kept promising to send it, and then finally I received it today with my ex-husband 's name on it again. He lives out of the country and I have no contact with him, so he can't sign it. I can not redeem this check, as I explained that to them several times.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I received a call from I.Q Data in XXXX of XXXX about a debt owed for an apartment I used to rent in XXXX and moved out of in XXXX of XXXX. I received a letter from them that was sent out on XX/XX/XXXX stating I needed to pay {$330.00}. I called yesterday, XX/XX/XXXX when I came across the letter and tried to get a better understanding on the balance owed, especially 3 years later after moving out from the property. They could not give me any details about the balance and simply said it was for " an appliance repair ''. I looked at my " final walk through letter/form '' from the day I vacated the property and it didn't have a dollar figure of any appliance item being repaired. The only figures on the final move out certificate was {$90.00} for carpet cleaning & {$75.00} for 2 to 3 hour cleaning. I never received anything in the mail about this appliance repair with a balance owed and I definitely did not get my deposit back when I moved out from the property in XXXX of XXXX. So I am unsure as to why this is now being brought to my attention after 3 years. I made a payment yesterday, XX/XX/XXXX, of {$290.00}, as I was promised the debt would be removed from my credit report immediately. I am requesting an investigation if possible. Please help!
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (SC)

I opened a new SunTrust Advantage Checking account under bonus offer XXXX on XX/XX/XXXX. As one of the requirements I had to fund the account with {$100.00} within 14 days. 
As I was traveling and not near a branch I used Suntrust 's web site to request an external transfer to fund my new account. 
THREE such requests ( one on XX/XX/XXXX, and two on XX/XX/XXXX ) were rejected/cancelled by Suntrust days after they'd been submitted. The fourth transfer request on XX/XX/XXXX ( on day 14 since account opening ) did finally go through and the funds arrived on XX/XX/XXXX. 
The external transfer system at Suntrust is clearly broken - so far only 2 out of 8 transfer requests I've submitted have been executed. 
It appears Suntrust is deliberately delaying processing and subsequently cancelling their customers ' external transfers so that they can run down the 14-day clock and claim that the account did not comply with the bonus offer requirement.
Consumer complaint received 2024-11-18
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (LA)

I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (KY)

There was more than repeated calling taking place in my situation. I work over night so I sleep during the day and I keep my phone in 'do not disturb ' mode so that my phone wo n't ring unless it is an emergency. Consecutive calls will override the silencing function and cause any repeat calls from the same caller to ring out. In stead of leaving a message in my voice mail, National Credit Systems would place consecutive calls to me so that my phone would ring and wake me up. They would call me from varying numbers with a XXXX area code. I did n't recognize the number and I was trying to sleep so I did not answer their calls until XX/XX/XXXX when they had finally called me during a time when I was awake. I spoke with XXXX XXXX on that day and she told me she had calls and spoken with me on XX/XX/XXXX around XXXX XXXX and that, on that date, I told her I would pay the debt I allegedly owed them on XX/XX/XXXX. She told me that the debt I owed was an unpaid balance from an apartment I had rented with two other people back in XX/XX/XXXX. I told her I had no knowledge of the debt and that when I vacated the apartment in XX/XX/XXXX my balance was paid in full. XXXX XXXX then became angry and essentially accused me of lying about not knowing about the debt because she had a note on the account that she herself spoke with me on XX/XX/XXXX around XXXX at my phone number. She began to threaten to mark the account as a refusal to pay if I did n't give her payment information at that very moment. I told her again I had no knowledge of the debt and that I had no knowledge of the debt but that only caused her to become more angry. To calm her, I told her I would contact my ex roommates for her and have them call her since she had claimed to have been unsuccessful in her attempts contacting them herself. She agreed to hold off on marking the account as a refusal to pay while i attempted to contact my ex roommates. My one roommate posted a payment a little later in the day after speaking with XXXX XXXX and her supervisor, a male whose name I do not know. Before that roommate contacted XXXX XXXX on XX/XX/XXXX I checked my phone records for the day she claims to have spoken with me and I found that there was a call received by my phone on XX/XX/XXXX at XXXX but the call was not answered. I had called her back requesting to hear the recording she claimed to have of the conversation with me on that day but she refused to let me listen to it without a subpoena. I terminated the call, contacted the roommate and informed him about what had just taken place, then I immediately contacted a law firm that specializes in these matters. I could only get a receptionist and I am currently waiting for one of the attorneys to return the message I left with the receptionist. In addition to the above offenses, I never received any written notification of any funds owed and am still unsure exactly what they were claiming I was liable for.
Consumer complaint received 2019-06-25
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: The Outsource Group, Inc (FL)

After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization, XXXX  has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below Collection MEDICREDIT XXXX
Consumer complaint received 2017-10-18
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: Bread Financial Holdings, Inc. (FL)

On several occasions I have received a letter st tight the XXXX XXXX has provided information about me which seems to be false when I try to contact them to dispute or find out what information they provided I can not get to theye are reporting to creditors that I have a credit score of XXXX out of 900 which is false info and caused me to be denied credit.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

CITICARDS CBNA claims that i have a delinquent account. I have not used the card since XXXX and the credit grantor closed the account on XX/XX/XXXX. For some reason that shows up as I am delinquent on the account 90 days after they closed it. I disputed this three months ago and it sounded like it is taken care of but it is now back on my file and negatively impacts my chances of getting a mortgage loan. 
I have never been delinquent with the account.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We pay our bill on or around the XXXX of the month, as I'm on XXXX XXXX. The invoice usually comes on or about the XXXX. The interest charges are all over the board and we paid {$2.00} short a few months ago. When we got our statement, it was, for some reason higher by the {$2.00}. We called the company and and spoke with a man named XXXX. He said he would wave the {$27.00} late fee. At that point we agreed that what we had paid, was {$3.00} more than what it would have been. The following month we recieve a new statement which shows a {$27.00} credit but an additional charge of {$38.00} dollar late fee. We called the Company,  Capital One, again. They informed us the last person did not have the authority to adjust the payment like he dis, and the {$38.00} late fee was for the origonal {$2.00} from the previous month. What that boils down to is this, They want us to pay an additional {$38.00} dollars above what the invoice should have been than wait for them to deduct the difference from the next statement. This, in my opinion, is just another way of collecting additional interest by using late fees to raise the balance of the card. Also when you do what they say, its not followed on their part. the excuse they give, is the system doesn't do it that way. How many folks are they stealing from by these types of business practices. 
I hope you can help.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (FL)

Yesterday I was going onto my account to see if a return from XXXX had gotten credited to my account when I couldnt get on. I called and they said my account was permanently closed because someone had tried to put direct deposit into my account that wasnt my name. I get my paychecks in this account all the time and Im not sure who would try and do that. The only thing I could think is me and my fianc both have bluebird and I entered my direct deposit on something of his but even that is unlikely. They wouldnt give me any info or help me try and figure it out. I have money on my card that I can not get and the woman on the phone basically said XXXX me, refused to get me a supervisor or help to get my money released to me. I have my stimulus going into this account along with paychecks. So if someone had tried to steal my account without my knowledge that is identity theft and that doesnt give them the right to close my account and keep my money. Ive sent them emails and they still are refusing to help at all. Ive researched and see they have done this to numerous others and they never got their money back at all. This happened yesterday XX/XX/2021 and I have had bluebird for years. Never any issues besides them overcharging and saying its for a tip for the merchant.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (CA)

Hello So, several days ago I received two money transfers being withdrawn from my bank account. One from my savings account ( I NEVER have given my savings account number to anyone ) and one from my checking ( of which I dont give out either but to pay bills like insurance, cable, etc ) So two fraudulent charges came out of my XXXX XXXX account to Moneylion. I have no idea what moneylion is. So I called about the charges and XXXX XXXX took care of the reversals. Great. But today ( XX/XX/2021 ) i recieved a debit card for a Moneylion account! I did not open a money lion account! Ive contacted Moneylion several times and no response!! They are terrible! Please help me close their account they are allowing hackers to open accounts with fake names. Thank you for your time.
Consumer complaint received 2017-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AP)

My loans are serviced through AES. I schedule my payments every month to be taken on the due date. ( please not that my loan payment has gone up every single month even though I pay on time ... so really ... whats the point anymore? ). I received an email stating that my loan was late. This concerned me because I knew it was scheduled to come out on the due date. I checked my bank account and the payment had been taken out. Confused, I logged into my account. On the account summary you can see where my payment was scheduled to come out on XXXX/XXXX/XXXX, the amount fully came out on XXXX/XXXX/XXXX from my account and yet this day ( XXXX/XXXX/XXXX ) the summary page said it was delinquent and had not been received. I emailed AES and their response was : " The payment in question has been located and a request has been submitted to have the payment applied to your account. Please allow up to 10 business days for this request to be processed. We apologize for any inconvenience this may have caused you.

Although the payment has been located and a request has been submitted to apply it to your account, I must advise you of the delinquency on the account until the payment is applied.

As of the date of this email, your account is four days past due for {$190.00}. Late fees may be assessed if the delinquency continues on your account. You may receive calls and letters regarding the delinquency until the account is current. We report the status of your loans to the nationwide consumer reporting agencies each month. '' HOW DOES THIS MAKE SENSE? They have also been calling my co-signer AFTER my payments are made and show that they are made and telling her ( my XXXX old grandmother ) that my payments are n't being paid. SOMETHING is wrong with this company ...
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (CA)

I was called by PHH mortgage Corporation to refinance an existing loan that is in good standing. I sent them all the documents they asked for plus some showing my income and financial status, etc. Credit score is excellent. They initially approved the underwriting. I am XXXX and XXXX. I have income from two brokerage accounts. One account distributes IRA money and the second is using up some already taxed money before the IRA will be distributing funds to me. All this was disclosed upfront and they had brokerage account statements and bank account statements, etc. They are now declining the loan saying that I " have to use my IRA money ''. Today they declined the loan leaving me on the hook for processing fees when they knew from the start that they were not going to fund me if this is their positon because they had all the information from day one. Here I am trying to responsibly use my retirement money and they are trying to tell me how and when to use my IRA. This is deceptive practices, age discrimination, and they are not operating in good faith. The sole reason they are giving is that I need to use my IRA money for the monthly distributions. I need your assistance.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I made two purchases under {$75.00} and am being charged high interest on old balance plus high finance charges on purchases and current balance XX/XX/2017. I have always been timely with payments and believe interest rate is too high and also finance charge is too high. I asked many times for lower interest rate because I have moved to a state ( Illinois ) where  the cost of living is high and income is lower than when I was given this credit in CA. They refuse to lower interest rate and finance charges.
Consumer complaint received 2017-12-26
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. (FL)

I submitted for Equifax to remove this account from my credit report. However all they did was update and send me a copy of my credit report. This account is closed and has a zero balance please have them to remove this account from my report.