davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

Recently I decided to attempt to change my mortgage company. One mortgage company asked for certain information from SunTrust Mortgage. SunTrust decided to charge me for the expense they deemed necessary for faxing the information to the mortgage company. They added a {$15.00} fax fee to my mortgage payment!! I shrugged this off, mistake on my part. SunTrust has decided to add {$45.00} to my mortgage payment for next month. I was advised that the addition in the mortgage payment was for three separate fees for faxing. It has been my understanding that a mortgage payment was the amount that was agreed upon and one that has been signed by the customer!! In effect, this would constitute a breach of contract? I am saddened by the under handed ways that business are operating by!! The housing market in 2008 was proof that because of people that are not above board, we can have another crash in our housing system!! I can fax pertinent papers to you so that you can make an informed response. I thank you for your time and effort.
Consumer complaint received 2021-11-26
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$5200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint : ( XXXX XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX ) account # XXXX****to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX, Transunion, and XXXX, must remove all information reporting from and relating to ( XXXX XXXX ) account # XXXX including third party debt collection accounts associated with ( XXXX XXXX ) account # XXXX the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Consumer complaint received 2019-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nevada Credico, Inc. (NV)

Quantum Collections  threatened me and called numerous times over a debt I proved to be fraudulent by supporting documentation of a police report and a statement from the dmv that I never owned or registered the vehicle that the t truck company they said they represent placed on my credit and when they were forced to remove it from XXXX they threatened me they would continually report it to all agencies to mess my credit up the agents name was Ms XXXX so right after XXXX removal the next day they placed it on my equifax report
Consumer complaint received 2019-06-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am asking for help because I received 9 overdraft fees but I did not receive the notification while withdrawing funds from my account. 

I had no way of knowing that my account went over the limit. In addition, I had more than enough funds in my other checking accounts that I could have transferred to avoid such high fees. 

Can you please help? 

Thank you.
Consumer complaint received 2019-11-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AL)

I obtained the student loans with AES back in XXXX and started repaying them in XXXX. Since then I have been making payments monthly, and when I look on my statement it states that I have paid back almost double the amount that I originally owed, but in addition to that, I still owe almost another two times that amount left to pay. No matter how much I pay, it never affects the principal but it also seems to keep making the interest go higher and higher.
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tormey Bewley Corporation (CA)

In XXXX XXXX, CO, XXXX XXXX XXXX XXXX, under false pretenses, rushed us into the treatment room. I asked several times before that if they accepted my health plan ( XXXX/XXXX XXXX as a XXXX employee at the time ) and received no answer. After they had XXXX my eyes they tell me they only give me a 10 % discount since they didn't accepted my XXXX/XXXX  plan. Meaning that she wanted to charge us {$360.00} for a prescription! I immediately told them I was not going to accept that. Neither my wife or I never received a complete examination or a prescription for new glasses. They attempted to had me a prescription, which I immediately returned and walked out. 

Now the account is with Advantage Network System and they want to take advantage and charge the initial amount plus their fees for a total now of {$410.00}.
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

Today I called on this letter I received in the mail today from Diversified Consultants , INC . So I ask the employee she never told me her name if I could have the fax number for this company so I can send them document. She informed me that they dont have a fax number. I than said okay via email she said no. I said okay how can I send a prodocall XXXX ways to notify company of this document? I'm needing to fax or via email and regular mail. This is against our right as consumer 's. She again told me to send to this address Diversified Consultants, INC. XXXX. XXXX XXXX XXXX, FL XXXX. Phone number XXXX. Needing them to release the following information to me stop dragging thing out.
Consumer complaint received 2019-06-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have tried on several attempts to have Bank of America turn off automatic payments withdrawals on an account. This was set up online and they have revoked my online access so I can not turn it off manually. When I call, I get the run-around. I just tried again and was sent to seven different representatives, who would not resolve, or said they didn't have access to resolve this issue. The last person I spoke with, XXXX XXXX, took an abrasive attitude and started strong-arm tactics regarding collecting the debt on the loan. I told him I would be more than happy to discuss the status of the loan once I was assured the automatic withdrawals feature had been turned off. He continued to harass me about the balance of the loan and refused to answer if the automatic feature would be turned off. I asked to speak with a supervisor to which he told me she was on another call and refused to tell me her name. I pointed out to him I was happy the call was being recorded by Bank of America to which he started insisting that I had no right to record the call. I told him, it was Bank of America who initiated the recorded call and because they had, I had just as much right to record the call. He continued to be abrasive and refuse to help me with turning off the automatic withdrawal from my bank account and kept interupting me, even after asking me a question. I told him all I was trying to do was deal with Bank of America in good faith, yet he continued to interupt and use harrasing tone and language instead of addressing this concern.
Consumer complaint received 2019-11-08
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: Experian Information Solutions Inc. (NJ)

I have an Experian product " Boost ''. I signed up for the program to examine my monthly utility bill payment records. The company is not reporting my payments accurately. I have accessed to program a few times to place the automatic payments in the system and the program still is not recording accurate and timely payments. 

My bills are paid automatically and timely directly to the vendor. I called Experian numerous times and I am unable to speak to a representative to correct the issue. The toll-free number has loop recordings. 

In my case, the Boost program is not working as it was intended.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I was charged 3 x {$30.00} ( {$90.00} total ) for the first checked bag fee on XXXX XXXX domestic flight for myself and 2 companions. 

At the time I had a Gold card and was told on the phone by a Citi agent prior to this flight that I would not be charged for 1st bag fees as I encountered on a prior flight. They would fix it in their system and make sure my rewards were correctly linked. 

However, I was fraudently mislead as I was charged the {$90.00}. This apparently because it is not a Gold benefit, but only a Platinum credit card benefit. If I was correctly informed, I could have avoided the fees by upgrading to a Platinum card, or planned baggage differently. 

Citi acknowledges that the agent misinformed me, but that it is not a benefit for the Gold card. That is the same to me if a retailer informed me that something was free, but then charged my credit card anyway. I'm sure in a dispute Citi would agree that is not right and my charge would be reversed.

I'm asking the same for Citi, that they will refund me this charged that Citi told me wouldn't be charged. It is not my fault their agent was not appropriately trained to provide me the correct information.
Consumer complaint received 2019-11-08
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MD)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB HL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I filed a CFPB compliant ( XXXX ) against First National Bank of Omaha ( FNBO ) and also contacted their CEO regarding this issue. They responded that they followed the Fair Credit Reporting Act ( FCRA ) see the attached, as much as I love placating form letters and voicemails to Office of the President that don't get returned. I have some follow-up questions for 'XXXX XXXX ', because I don't believe it's been applied correctly in the past. I request the 2 following pieces of information 1 ) If this latest dispute was correctly reported according to FCRA, why was my 2017 dispute against XXXX not reported on my credit report? 2 ) According to FNBO the comment on my credit report is not displaying for institutional reports ( e.g. lender reports ), but is displaying on the consumer facing report. XXXX says that it's a matter for FNBO because they are the creditor that is reporting this information. Why is it display on the consumer facing report, but not on institutional reports ( e.g. credit card company inquires )?
Consumer complaint received 2021-11-25
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. (DE)

Transunion  and XXXX is incorrectly reporting that all 20 of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had 20 student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then 1 loan at a time. I don't believe its possible to receive 20 loans at the same exact time. All 20 accounts have the exact same account number which is not possible, so I'm being penalized for being late on one student loan account 20 time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Perfection Collection (OH)

Ask company to not contact me unless they were discussing validation of said account. 

Original and third party cant provide validation of debt due to the fact signature are visibly different. 

They've provide more documentation with the same signature. They are using stall tactics to delay deletion of said account.
Consumer complaint received 2019-06-24
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. (OH)

THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX   XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2019-06-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please see this date and accounts that are in inaccuracies : XX/XX/XXXX,XX/XX/XXXX,XX/XX/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 2019-06-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

Went to apply for a mortgage on a new home and when they pulled my credit I was denied a new mortgage because of false information reported by One Maine that I was late on several payments. There where two loans whit this company that I was originally on and one of them I was supposed to be removed off of when I was divorced in 2011 according to my divorce decree which I have a copy of. The other one that I was responsible for I set up automatic payments with One Maine. When I called One Maine they told me I was still
Consumer complaint received 2023-07-10
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. (NY)

I've submitted a letter to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. Along with an FTC report on one item for identity theft ( as a police report was made as well back in XXXX of XXXX ( i will note what account ) XXXX, XXXX and experian have all ignored my complaints.I have sent another set of letters out XX/XX/XXXX regarding the hard inquiries on my report that does not belong and has been well over 2 years, and nothing has been done to fix the issue. I will list all the accounts and note what account was fraudulent. thank you! 
Credit Inquiry from 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have been dealing with this company for multiple years now and their illegal reporting of negative items on my credit report. PRO COLLECT, INC is the company being used in an attempt to extort me by a previous landlord from years past. After I was evicted due to non payment because of the living conditions of this place, they began to add all of these chargers totaling thousands of dollars. They failed in their personal attempt to extort me so went and eventually hired PRO COLLECT to do their illegal acts for them which they have been doing for multiple years at this point. Harassing phone calls and multiple letters being sent to my home over the years. This needs to stop immediately. All contact needs to CEASE AND DESIST. And collection account needs to be removed/deleted from ALL three credit bureaus, immediately!
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (OR)

Professional credit service has not made any effort to contact me. I have received no letters from them. Ive not received any phone calls from them. The first I learned of this debt was from a letter I received in the mail from an attorney offering their services because a claim was filed against me. I contacted the courthouse and they provided me with the contact information for the company. 

I called the phone number provided on XX/XX/2019. This was the first time Ive spoken with this company. At this time I was asked to confirm my address, phone number, and asked if it was ok to leave a voicemail. I was informed they were trying to collect a debt in the amount of {$970.00} ... for XXXX XXXX XXXX. I was also asked employment information which I declined to provide. I asked for the information on how to obtain the paperwork filed. I was given the phone number for someone named XXXX. I left him a voicemail on XX/XX/2019 letting him know Im hardly ever in XXXX XXXX and I was trying to get the paperwork from him ( assuming it would contain proof of debt ). 

I never received a return phone call from XXXX. However he did leave the paperwork with someone at my residence on XX/XX/2019. 

I called and spoke with XXXX on XX/XX/XXXX requesting proof of the debt. Also informing her that I would have no problem agreeing to the principal balance and collection fee provided they send me proof of the debt. She stated that would not hold off their pursuit of the fees and they would still pursue the fees. I told her thats fine Ill go ahead and file my response with the courts however I would still like proof of the debt.