davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (TX)

The company called Central Portfolio Control has repeatedly contacted me by phone and will not give me any information as to a supposed debt they say I owe, until I release personal information to them in order to confirm my identity. I have not received any correspondence from them or any other company as to a debt owed and have also checked with the credit bureaus and I have no outstanding debts. I have requested them to stop communication with me by text and phone and as of yet they continue to call and text me almost daily at all times of the day and night. I have blocked their numbers but they continually robo call me with new numbers.
Consumer complaint received 2020-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

We are loyal Capital One card holders. We use your cards for business purchases for our XXXX XXXX XXXX. One of my mother 's Capital One accounts ( ending in XXXX ) was cancelled. This is the second time this year that the account was flagged / suspended. The first time it was re-instated because of an Capital One error that your team acknowledged. 

This has happened again! The Agent  XXXX XXXX states that the account has been cancelled and our thousands of rewards points have been lost.
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (NV)

I have attempted to access my credit file from Experian to place a freeze because someone is using my information. Experian required me to submit documents to prove my name address etc. Which I mailed to them 2018. They responded with a standard form letter saying my case was closed without resolution. I have not been able to access my Experian Credit file and I have fraudulent accounts opened in my name.
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NJ)

I contacted my loan servicer on XX/XX/2022 about getting a refund for the amounts I paid since the Covid-19 emergency was declared. This refund is applicable in accordance with the Presidential executive order that allows student loan refunds for all amounts paid during the Covid-19 payment pause. 

The amount to be refunded to me is {$7300.00}. I was initially told on XX/XX/XXXX, that this process would take 4-6 weeks to receive a refund in my bank account. 

I contacted Aidvantage again on XX/XX/XXXX and was told the timeline has changed from 4-6 weeks, to 6-8 weeks to process the refund. 

On XX/XX/XXXX, I called Aidvantage again, and they told me the timeframe would now take 8-12 weeks. 

Each time I called, Aidvantage placed blame on the Department of Education, claiming that only they can " approve '' a loan refund. I finally decided to call the Department of Education and they informed me that there is no approval process that involves the Department of Education. According to them, my loan servicer ( Aidvantage ) should have given me a refund within 45 days of it being requested. 

Aidvantage seems to be dishonest with their excuse as to why the refund has not happened yet, and their refund timeline has been arbitrarly moved each time I contacted them. There is no trackable progress being made, or anyone there that can help get this done. Aidvantage has records of all payments made by me during the student loan payment pause and it should be straight-forward to refund this amount.
Consumer complaint received 2022-12-30
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. (PA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (CT)

XXXX Equifax and XXXX is reporting serval duplicate inquires that I didnt do and would not remove them especially XXXX and equifax I had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have
Consumer complaint received 2022-11-02
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. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-12-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Affirm Holdings, Inc (PA)

My daughter XXXX XXXX, In XXXX XXXX XXXX made an online purchase for sneaker at XXXX XXXX XXXX with shop affirm payment option to pay every month. The company closed its door and never sent the order but took money from Affirm. XXXX Affirm took the XXXX payment of {$26.00}. in XXXX  has been trying to take payment every month. The company did not cancel the order or send the funds back to affirm I have called shop affirm about this issue and they stated its nothing tht they can do but I dont understand why do I need to pay for the order I didnt get. I looked the company up on the XXXX and they have a lot of complaints about them not sending the orders.
Consumer complaint received 2020-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/2020 Dear Capital One : This letter is in reference to the negative payment reporting from Capital One, that is now listed on my credit report. I called customer service last week and I spoke to two individuals, whom I was trying to get this issue resolved. The first representative with whom I spoke with was very rude and not pleasant in reference to my concern I wanted to address. The second person I spoke with presented me with the information, I needed to submit a letter to Capital One reporting department. I have been a customer for a number of years with Capital One with which I had an auto loan that was paid off and credit cards in addition. The XXXX  credit card however is the issue. I did not receive a statement from Capital One in two months, I was not aware a had a little balance on the credit card. I assumed I paid off the balance. My statements are sent electronically, but however I did not receive the two statements. Sure, enough if I had received the statements, I would have paid on time as I have done. I am sorry I just did not receive the statements. I checked my spam folder in addition, and I did not receive any statements from Capital One. What prompted my quick attention to my account was an email I received that stated I was two months behind. I could not believe this has happened to me, as this have never happened before. If you were to review my payment history on all three of my credit reports, you will see I have never missed not one payment on any of my accounts. This impact from Capital One have destroyed me credit report and I understand Capital One may show that my statements were sent out. I would never miss any payment as I want to keep my credit history up to standards. However, once I received an email from Capital One about the missing payment, I immediately that day made a payment of {$150.00}. I would never miss a payment without first calling Capital One and working out an arrangement. I would ask if you can please forgive this mishap and report my payment history back to great as it was before. I appreciate your assistance with this matter. I also appreciate the time you took to read my letter. Any questions or concerns, please feel free to call me at : XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-15
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: Experian Information Solutions Inc. (VA)

XX/XX/2020 Dear XXXX XXXX : This letter is in reference to the negative payment reporting from XXXX XXXX, that is now listed on my credit report. I called customer service last week and I spoke to two individuals, whom I was trying to get this issue resolved. The first representative with whom I spoke with was very rude and not pleasant in reference to my concern I wanted to address. The second person I spoke with presented me with the information, I needed to submit a letter to XXXX XXXX reporting department. I have been a customer for a number of years with XXXX XXXX with which I had an auto loan that was paid off and credit cards in addition. The XXXX credit card however is the issue. I did not receive a statement from XXXX XXXX in two months, I was not aware a had a little balance on the credit card. I assumed I paid off the balance. My statements are sent electronically, but however I did not receive the two statements. Sure, enough if I had received the statements, I would have paid on time as I have done. I am sorry I just did not receive the statements. I checked my spam folder in addition, and I did not receive any statements from XXXX XXXX. What prompted my quick attention to my account was an email I received that stated I was two months behind. I could not believe this has happened to me, as this have never happened before. If you were to review my payment history on all three of my credit reports, you will see I have never missed not one payment on any of my accounts. This impact from XXXX XXXX have destroyed me credit report and I understand XXXX XXXX may show that my statements were sent out. I would never miss any payment as I want to keep my credit history up to standards. However, once I received an email from XXXX XXXX about the missing payment, I immediately that day made a payment of {$150.00}. I would never miss a payment without first calling XXXX XXXX and working out an arrangement. I would ask if you can please forgive this mishap and report my payment history back to great as it was before. I appreciate your assistance with this matter. I also appreciate the time you took to read my letter. Any questions or concerns, please feel free to call me at : XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2020-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I made a {$1000.00} principal payment on my Mortgage at the XXXX PA branch of Santander. The teller processed it correctly, and my receipt clearly states " principal ''. I expected the payment to be posted on XXXX, the next business day, but it did not adjust my principal balance. Their app shows they accepted my {$1000.00} payment, but it does not state a Principal payment, and it is not credited towards principal, interest, or escrow. My balance on my Mortgage did not change at all. On XXXX I contacted the bank through their website with no reply. On XXXX and XXXX I emailed XXXX XXXX XXXX, the branch manager in XXXX, who said she would contact the " mortgage company '' but I have not heard a reply. On XX/XX/XXXX I emailed XXXX XXXX, a customer service assoc in Santander 's Executive Offices, who said she would forward my concerns to their mortgage servicer. Apparently, XXXX doesn't care, because they have been contacted at least three times regarding this situation and have not replied at all.
Consumer complaint received 2020-08-15
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

Heartland ESCI misrepresent payments owed and charges improperly. 

I paid on XX/XX/XXXX and the funds were deducted from my account. 

I review the account page again as I've noticed suspicious and dishonest behavior from Heartland throughout the months and I've had growing concerns since moths ago. 

It still shows I owe the same payment amount after I have already submitted my payment and after it has been retrieved from my account. 

Months ago, I noted an improper amount due and called after noting the amount was incorrect. It was adjusted improperly and I've seen consistent, fluctuating additional charges since. 

Additionally, they have two different pages showing the amount due - these pages simultaneously show two different amounts with the greater amount remaining hidden at the bottom of a different page, which then enables them to charge you additional late fees for having a remaining balance after having already made a payment by the due date. 


Heartland ESCI engages in unscrupulous practices - it seems similar to the unfair and dishonest practices of the XXXX scandal. 


After searching online, I have seen other sources also describe dishonest and untrustworthy behavior regarding Heartland ESCI. 

This has been continuing for years - see article below. I don't understand how we allow these corrupt businesses to continue. I don't know how they're still in business. I'm not the only one there are others as well. Please help. 

XXXX XXXX XXXX What needs to happen : Prevent the company from engaging in unfair practices and ensure that people will no longer be improperly charged or financially targeted. 

Investigate the company and charge them. Penalize them and ban them from debt collection until they clean and restructure their practices honestly. If necessary, shut the company down and transfer remaining unpaid debt to honest organizations.
Consumer complaint received 2022-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (KS)

In XXXX of 2022, my home owners insurance policy ended with XXXX XXXX on my home that I had paid a yearly insurance protection policy for. XXXX XXXX did not send me a renewal notice about my policy coming to an end. Around XX/XX/XXXX, I received a letter from Rocket Mortgage that they did not have insurance on my home on file, and that I needed to buy some right away. They also stated that they purchased insurance for me that was Forced Insurance. The next day I purchased a new home owners insurance policy and notified Rocket Mortgage immediately about the new coverage. I was frustrated because I was charged an insane amount for the coverage. Reading over the Federal Regulations I was seeing that mortgage companies need to issue a letter and wait 45 days till purchasing insurance. I was not given any type of window. Please help clarify this for resolve this for me.
Consumer complaint received 2022-07-22
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: Carter-Young, Inc. (GA)

Carter-Young INC is harassing and using aggressive tactics to try and collect {$180.00}. I have never done business with this company, nor do I have an agreement or contract with this company to pay make a payment. I do NOT owe this company any money. they have impacted my credit negatively and need to be held responsible.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2020-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Citizens bank ; They had a promo going in XX/XX/2020 that if you opened a checking account and made a direct deposit of XXXX dollars or more in the first 60 days that you would get XXXX dollars. This was a Citizens bank promotion. I completed what they required to get the bonus and they told me it would be paid on XX/XX/2020. When I didnt receive it then I called them every single day since. I got a hold of a manager that escalated the issue and waited for a callback for a week! When I finally got a call back from natilie she informed me the money would be in my account by Friday XX/XX/2020. I still havent received the bonus. I called them again on XX/XX/XXXX and they put me on hold and then hung up on me. I then called back the same day and they hung up on me again. 

I still have not received the bonus Ive depended on it twice now and its caused my account to bounce a few times..
Consumer complaint received 2020-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OH)

THIS WILL BE MY LAST ATTEMPT TO HAVE THIS DEBT VERIFIED. IF THIS DEBT IS NOT VERIFIED, I WILL BE CONTACTING MY ATTORNEY. 

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt.