davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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. (MO)

I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( XX/XX/XXXX, TransUnion and XX/XX/XXXX) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, XXXX XXXX
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX  XXXX XXXX reports two late payments on my experian and transunion credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX I tried calling synchrony bank, but no one ever answers, plus they use the gimmick of a recording to repeat that your on hold, when in reality you can be there for hours and never get an actual person to pick up. On XX/XX/XXXX tried it again, no answered. I went on XXXX XXXX to see the reviews and what I found was scary. If Id had known care credit was this bad I would not have even signed for a card from them. They always take theyre payment off late even though I paid 3 days early, then I get a late charge fee of XXXX bucks, then I found out they opted me in for a security fee charge when I never gave them permission or my authorization to opt me into anything and thats another whopping {$39.00}. Then recently XX/XX/XXXX I got locked out of my own account so now I cant even see my balance and again, trying to get someone on the phone is XXXX near impossible. Its funny cause on my credit reports it shows I paid synchrony bank on time and never had a late payment, but care credit, or synchrony bank says Im late even though I payed them early. Plus the interests sur-charges? I mean i already paid a lot of money toward them, and in the end of it all, instead of paying back what I owe which was {$2500.00}, in the end Im paying almost XXXX XXXX dollars or more. They got me locked in so tight and they are screwing me over left and right and Im now left in a hard spot. And the estimate payoff is a whopping 13 or more years. Ill be paying this card till Im 30 something years old.
Consumer complaint received 2021-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

I recently applied for Public Service Loan Forgiveness and have been employed in the public sector with the same employer for over 10 years. I have always paid my loans via auto-pay through my old servicer, XXXX XXXX. 

Today ( XX/XX/XXXX ), I was able to see the number of payments that qualified towards the program. For some reason, starting in XXXX FedLoan stopped counting my payments as being qualified to the program. FedLoan stated they will investigate my situation, but it will take 6 months to a year to complete it ( via phone XX/XX/XXXX ). I contacted my old servicer and they indicated I made no late payments ( via phone XX/XX/XXXX ). I also have autopay records going back to my first payment. 
FedLoan has announced they will stop being a servicer before the early end of that time frame quoted for their investigation, so I am stuck in a long-term limbo.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX reports two late payments on my XXXX   and transunion credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/2021 XXXX XXXX Monday evening. I received my Credit Bureau report in the mail from TransUnion as well as a documentation from XXXX  with them both saying my name wrong. My name is XXXX XXXX XXXX XXXX XXXX but for some reason they continue to send me things back to my home with my name wrong so I'm continuously going to be in contact with you because it seems like this is being done on purpose. Also I see that there is a collections through XXXX XXXX which is XXXX for the amount of {$320.00} I do not and I feel like this is fraudulent I want this to be deleted off my credit bureau report on TransUnion. This is not been my first time reporting this information about XXXX. Also I noticed that there is a multitude of inquiries that I did not perform and I will like them to be removed from my credit report. Also I noticed that there are telephone numbers on my credit report I would like them all to be deleted and I do not want any phone numbers on my credit report. This movie to my current address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Nevada XXXX XX/XX/2021 I have had to change my phone number five times because of identity theft issues from criminals who continuously think my home is there home every time I leave and then even have the nerve to take my phone number and put it to their records as if it's their home number and no one lives in my home but me. Also I received in the mail a letter from XXXX XXXX stating that I requested my information to be mailed to me instead of having it online which is a lie. I have continuously ask XXXX XXXX to forward my stolen brokerage mutual funds account numbers to me because they are stolen and have been stolen every since I built them as an employee what day yet continue to play with me and my current address with these criminals using my identity still. Now they're getting ready to start sending statements and whatever they've been doing to my home when I asked them not to I don't even want them to know my current phone number I do not call XXXX XXXX  I have changed my email address I have blocked the email address that they have on their I do not have any dealings with XXXX XXXX whatsoever.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (OH)

I started disputing a discount card that my ex-husband has signed and I was a co-signer since XXXX. Equifax had asked me to provide the application of " XXXX XXXX that my Ex- husband has signed, my divorce decree. I sent these item to them on XX/XX/XXXX. I did not receive a feedback from them. I spoke to someone on XX/XX/XXXX at XXXX XXXX I asked for an update, He told me they removed the disputed credit off their systems. ( XXXX & XXXX  had already did the same. ) The agent told me I have no item in collection with Equifax. 

Few days later I checked my Equifax credit, I saw the collection in the report. I called Equifax again on XXXX XXXX at XXXXXXXX XXXX, agent told me the item in collection is still active. I am somewhat discouraged because I feel I m going nowhere because of these Mix messages from different services representatives.
Consumer complaint received 2021-07-27
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. (MO)

I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( Experian, XXXX  and XXXX  ) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, XXXX XXXX
Consumer complaint received 2021-12-31
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: FC HoldCo LLC (GA)

I have filed several disputes in regards of my credit concerns.. It seems as though no one is complying.. I have done some much work with the Credit Bureaus, Collectors and Creditors that have inaccurate, misleading information on my credit.. I Have proof of all letters I've sent out to all parties involved.. I have been communicating with my Legal Advisor in regards of my due diligence and my character is now being a issue.. They have illegally furnished data on my credit report such Bankruptcy.. 15 U.S. Code 1681c and 15 U.S. Code 1692e for which I explained that this is a violation of my Consumer Rights and by law this matters should be removed off my credit report immediately without Prejudice ... I trying to buy home for my family and I and the is becoming of a burden to me and my family... This is a defamation of my character now I'm looking to pursue legal remedies towards all parties in violation.. I have not other option to ask for your help in getting this issue resolve.. 

I have proof of my concerns are illegal practices.. 

Please can you help me...
Consumer complaint received 2021-07-27
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: LEXISNEXIS (CA)

Re : Consumer number XXXX and XXXX Case Number XXXX and XXXX Several months ago, I contacted LexisNexis Consumer center asking them to provide me a physical copy of my consumer report. Lexis Nexis provided me the information needed to access my report online. I do not have frequent access to a computer. I explained that in a previous letter to them. In XX/XX/2021, I received a letter from Lexis Nexis asking for copies of my Drivers license, social security card, and a utility bill. I provided said information. On today XX/XX/2021, I received a letter like THE PREVIOUS LETTER OF HOW TO ACCESS MY CONSUMER INFORMATION. As I stated before, I do not have frequent access to a computer ; my nearest XXXX or such store is over 15 miles from my house. I am not sure why Lexis Nexis is refusing to provide me a copy of my consumer information in the US mail.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (FL)

I filed 2 complaints against Equifax using this platform. Complaint # XXXX XXXX. I receive a letter in the mail today from Equifax claiming they can not investigate this claim because they have no idea which report I am referring to. They claim I need to call them and give them more information.I attached a copy of my credit report from Equifaxes website. I clearly mention the companies name that I have the dispute with XXXX XXXX XXXX. There is only one account on my credit report with XXXX XXXX XXXX on it. The report and other documentation I supplied is from Equifax. They are telling a lie and trying to get out of taking responsibility for knowingly allowing a company to report false information. There is no way they can not know what company I am talking about. Look at the files I uploaded on those complaints. Its abundantly clear which company I am referring to.The documents I submitted are from Equifaxes own site so how can they not know which company I an referring to. LOOk at the attached document. It clearly says XXXX XXXX. It is also clearly from Equifaxes on site. It has Equifaxes name on it, my name and XXXX name on it. It is impossible for Equifax to not know which company I am referring to. The attached documents are the same ones I attached with the 2 above complaints. First Equifax claimed they could not investigate because I did not supply my account number. They know I have no access to my account number. They know that no where on my account page does my account number display. They need to quit playing games and answer my complaints. See attached screen shots. Nowhere on my account is an account number displayed.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I just try send simple cashiers check to my house to pay a vendor for some thing and they lock my account and all my funds in my checking account I need pay bills and groceries they cant just lock me out they say they contacting fraud department to let them know my cashier check was me and verified but still no response Im having XXXX XXXX they shouldnt be able legally lock my funds like this indefinitely during holidays
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MD)

We are writing to complain that the Goldman Sachs Apple Card refuses to issue a credit for returned merhandise in the amount of {$840.00} despite receiving these funds from the XXXX XXXX after we returned the merchandise. The details are as follows : On XX/XX/2021, we purchased a drone from the XXXX XXXX via the Goldman Sachs Apple Card and were charged {$840.00}. This was Order Number XXXX. The shipment was never delivered. 

On XX/XX/XXXX, the XXXX XXXX issued a refund. Subsequently, a neighbor called that she had received the delivery and we picked it up from her, noting that the delivery label had our name but her address ( which has the same street number but a different street several miles away ). We reported it to Apple and were re-charged the amount again on XX/XX/XXXX. 

On XX/XX/XXXX, we return the item unopened to the XXXX XXXX where they refused to accept the return. Instead, we were sent a shipping label and shipped it back on this date. 

On XX/XX/XXXX, the shipment was received by Apple and we were told we would receive a refund in 3-5 business days. That never appeared. Subsequently, we inquired and were told to wait 7 - 10 business days. Still, no refund. 

On XX/XX/XXXX, we disputed the charge with Goldman Sachs Apple Card and were told it would be resolved in 90 days, but the dispute was resolved in favor of the XXXX XXXX just an hour later. We contacted the Apple Store again, received a copy of the credit invoice generated on XX/XX/XXXX showing we were due the refund, and then contacted Goldman Sachs Apple Card who opened a new claim but could not provide an ID for this claim. They also told us there was no evidence we were due a refund and they could not review the credit invoice we provided because that would be " two way communication ''. ( Apparently, they do not take any information from customers during their dispute process before resolving in their own favor. ) So we attempted to provide the invoice via the XXXX chat but were told to contact a specialist and start over again. Having spent many days and hours on this process we declined to start over again. 

At present, there remains a charge of {$840.00} on the Goldman Sachs Apple Card account despite the credit that was issued to Goldman Sachs Apple Card by the Apple Store for this amount on XX/XX/XXXX. In essence, XXXX XXXX is keeping our refund amount rather than returning it to us.
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (PA)

I received an alert on my credit report from a debt collector agency saying that I owe them money. I dont owe them anything XXXX XXXX XXXX was paid. I disputed this and its still coming up on my credit report. But I dont know this company I never paid them or had any dealings.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I paid off my Bank of America credit Card on XX/XX/XXXX And had a {$0.00} balance. On Monday XX/XX/XXXX I had a XXXX balance before I used my card and purchased {$390.00} total. On Tuesday XX/XX/XXXX I paid {$400.00} onto my card. on XX/XX/XXXX I was told I owe {$22.00}. I was told I was being charged interest. But my card was paid in full. I tried to speak to customer service but the wouldnt wave the fee.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (CA)

This bank stole my OWN BILL PAY CHECKS. Put the money into my account and then a hold for unknown amount of time AFTER IT WAS ALREADY IN MY ACCOUNT. THEY ARE CHECKS TO ME, FROM ME, FROM THIS ACCOUNT. They took the money back out of my account and overdrafted my account INTENTIONALLY. THEY DIDN'T EVEN ALERT ME THAT THIS WAS BEING DONE. I was using my debit card and it kept getting declined. As evidence of my story, I do not have overdraft protection on my account. These charges were made today, when I had the money from the bill pay check deposits. My card would have been declined if there was no money in my acvount, then taken back out as I'm saying. They put the money in, then claim they put a hold on my money. Almost 3000 dollars. It isn't a small amount.
Consumer complaint received 2024-04-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (TX)

I have been applying for mortgage assistance, and then for a short sale, since XXXX of XXXX. Despite having had one offer in the house in XXXX of XXXX and starting the process then, PHH took forever to review anything we sent despite me and my realtor calling multiple times. The first offer ended up expiring because PHH took so long to even look at what we sent. We put the house back on the market and were quickly able to get another offer for a short sale, but now PHH refuses to look at it and has told me I will be going into foreclosure, despite all the efforts I have made to avoid that. 

I reached out to them at the beginning of XXXX and was told i would be able to get out of the foreclosure, but that answer changed this week despite now having an offer on the house. The communication has been inconsistent and we need a clear path forward.
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Please forgive my delay in surbmitting this complaint. 
Recently I've had 3 back procedures withint approximately 6 week period sapping my engergy. Thank, you for understanding this delay. 

Enclosed please find the CFPB roster of complaints filed by me against XXXX. 
thru XX/XX/11 ONLY. 

The last complaints : XXXX on XXXX XXXX & XXXX XXXX were not able to be opened to see the reply or replies from SLS Also, Complaint XXXX of XXXX XXXX and XXXX XXXX also unable to view the reply from SLS When calling CFPB in this regard, I was informed that CFPB could NOT, in fact, read the reply... it was redacted/removed? That I would be receiving a written reply via US POST from SLS within, I believe, 15 days. 
Please know that I have yet to be able to OPEN either complaint to be able to read/see the SLS/HSBC reply and have NOT received anything in writing from XXXX in reply to either of the above referenced complaints. 

PLEASE instruct XXXX to REPLY TO MY COMPLAINTS ASAP. 
IT appears XXXX is not held to any timeline or rules. 
It appears that me, the borrower, is always at odds to get an answer from XXXX Further XXXX HOW DOES one defend this INTEMTIONAL FRAUDULENT FORECLOSURE? 
It appears that XXXX maximize their CORPORATE PROFITS ON the Backs of Homestead mortgages without rebuke... all done with INTENT & FRAUDULENTLY. 
" THEY contaminate the truth and the ability for JUSTICE.

I was of the belief that in America, when someone INTENTIONALLY HARMS someone that JUSTICE is available. The WRONG COULD/WOULD be righted? PLEASE help me find an avenue to JUSTICE. Thank you. 

Thank you, kindly, XXXX