davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc. (TX)

This debt was opened well over 7 years ago. The original determination was grand review resort. I never used the property and end up giving back the property. I was charged a maintenance fee twice even though I had thr property for six months. The debt should be removed from my account because the company is trying to get more money from me after there property was already returned. I want my debt verified.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CO)

My husband lost his job last year with covid we asked US BANK to put us on a forbearance plan. We missed 3 payments he found another job and we called and asked for them to stop the forbearance. We started making payments in XXXX. They sent us the documents to finish the process we sent them back never heard from US bank until we got threating letter about foreclosures etc.. we called them they said it wasn't notarized so they threw it out. They sent another packet we never received in XXXX we called they told us to go online and submit the app that way so we had a lady on the phone walk us through the application. Never heard again from US bank XXXX we called they said there backed up and will get to it. XXXX we called got another run around were backed up there's nothing we can help you with its with an under writer now etc ... XXXX again were trying to refinance the mortgage my refinance company got involved with them and all they did was put us on another forbearance until XXXX. That is not what I wanted in the middle of all this I have been making my payments fighting with them to resolve my forbearance and put the interest free loan on the back of my mortgage and give me my new payment plan. They give us the run around every time and will not resolve my account. I have contacted their social media they have pushed it to the higher ups still haven't heard from them. I have been fighting to get this resolved for 5 months now and I'm not happy how US bank has handled it. I have done everything they asked by submitting paper work paystubs mailing back the paper work going online and submitting docs. They have never once reached out to me to resolve the issue. I have called every month on this with no resolution. US BANK is the worst bank ever!!
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested removal of unauthorized inquiries on my credit report with Transunion on more than one occasion. However Transunion claims to dispute the inquiries and have them removed. These inquiries still remain on my credit report without any validation provided to me. I have requested this information and Transunion refuses to provide me with any information. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX or XXXX XXXX XXXX XXXX is reporting derogatory information to XXXX, XXXX and Transunion. The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet XXXX, XXXX XXXX and Transunion have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires XXXX to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, XXXX, XXXX XXXX and Transunion have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to XXXX remain on my credit file, despite XXXX, XXXXXXXX XXXX and Transunion being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, XXXX has providing nothing despite my notices a XXXX demands and all are in violation of The Fair Credit Reporting Act.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Transunion apparently gone to some credit model called XXXX. This model is not recognized in the industry and considerably reduces a persons credit score. Mine was reduced by over XXXX points on my FICO score. This causes a denial of credit when it otherwise would be granted. I have no negative records, a perfect payment record, and low credit inquiries yet with their score it puts me in a " POOR '' rating. This should not be allowed as it is not a fair and accurate representation of a persons credit worthiness.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX, I initiated a balance transfer in the amount of {$430.00}, which was my account balance with Macy 's. Macy 's declined the balance transfer. I was issued a check in the amount of {$430.00} by XXXX XXXX XXXX, and I went to their retail store located at XXXX XXXX XXXX, XXXX, TN XXXX. On XX/XX/XXXX I paid with the check that was payable to myself and Macy 's in the amount of {$430.00} with the check number XXXX. I was attempting to make the payment due. 

Unfortunately the payment system did not perform well, because the payment was never credited to my account. The next month I noticed that the bill was still showing as " not paid '', so I called Macy 's on several occasions, and they told me to fax or mail proof of payment, so I did along with a bank statement showing that the payment went through, in addition I included a copy of the check which had gone through my bank account. This occurred several times with me trying to show Macy 's proof of payment, via fax, mail ( which includes postal confirmation ) to no avail Macy 's still shows payment not made, and at this point they are charging me interest and late fees. After sending numerous letters, email, and talking to Macy 's, I could see that this will not be resolved easily. This is why I am now contacting the CFPB to see if you could assist me in rectifying this false claim that I have not made my payment. My account with Macy 's should be XXXX, instead, I have been reported to all three credit bureaus, and have now been placed in collections, and with the fictitious late fees, they now claim I owe them {$720.00} which is a false claim. 
As proof for the purposes of the CFPB, I am sending the XXXX Macy 's Account Statement, which if you subtract the {$10.00} interest charge the payment would be the {$430.00} which I paid in store and will be providing you with proof of payment, which was made on XX/XX/XXXX, which would XXXX  out my account. In addition, I am providing the register receipt of payment, and a XXXX XXXX bank statement. The credit card number I will be providing is a new card and number issued by Macy 's XXXX before they closed my account. Finally, I am submitting letters from the Macy 's Executive office acknowledging a problem, but never resolving the issue. Thank you.
Consumer complaint received 2021-01-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 120-180 days late with no late payments prior to that?
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

I purchased a car with XXXX in XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX XXXX. My finance company which is through XXXX is called Bridgecrest Acceptance. Since purchasing my vehichle, I have not received a statement. There is no option online through bridgecrest.com to view my statement. They have my mailing address, I've received nothing in the mail. They have my email, I only receive emails when it is time to pay. After doing research, this seems to be the norm with BRIDGECREST ACCEPTANCE. THEY DO NOT PROVIDE STATEMENTS SO YOU NEVER KNOW WHERE YOUR MONEY IS GOING!!!! This is insane. I am 6 months into my loan and have no idea what is left on my loan. They have only reported twice to the credit bureaus, the last time being XX/XX/XXXX. I don't know what is left on my loan. I have paid {$1600.00} and the amount shown on my credit reports only reflects a difference of {$270.00} in my loan. Where is my money going??? This should be illegal! I am due to pay another {$330.00} again this week. I have not received ONE STATEMENT from this company since XX/XX/XXXX!!! I have never been through this in my life! I RECEIVE STATEMENTS FOR EVERY SINGLE THING THAT I PAY FOR! This includes utilities, credit cards, and phone bills. Why is this the difference? I should be getting a statement EVERY SINGLE MONTH.
Consumer complaint received 2021-01-14
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. (CA)

XXXX XXXX XXXX XXXX balance {$2100.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX  XXXX balance {$310.00} - Account is reporting inconsistencies and inaccuracies. XXXX XXXX are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX XXXX balance {$280.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX  XXXX balance {$600.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX balance {$1700.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

XXXX was suppose to keep one line active do I can make payments rd on lease phone. After verification they shut my account and sent me a bill and. I called to discuss use and made a payment and advised I could not pay upfront over XXXX dollars and made a payment and agreed to make XXXX  month until paid. Kept making payments and had one last payment and going out it was given to collection and seen in my credit report. Collection never contacted me and thought I still had agreement with XXXX and collection refuses to take off of my report
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

The debt they began calling my place of employment about is a time barred debt. 
They pulled the number off the internet for the company and willingly told the person on the other end they were calling about a XXXX XXXX card I owed money on. 

Luckily that person was my husband however he didnt identify himself as that, he also answered the phone with the company name. Which is listed as my employer. 

The card last payment was in 2011. 
I specifically called back and asked if my debts with them are time barred, Told them we had already told them And wrote them to NOT contact me and I knew my rights. 

They are pulling my credit for time barred debts. 

Debt that was used fraudulently by someone who is deceased by suicide. 
These are not my debts, I fought before to remove, I will not pay debts I didnt incur and them soft inquiring my credit is alarming people like mortgage companies etc. they can see that. 
I know it says that they can not see soft inquires but then how would they know that? 

A time barred debt that can not be collected by legal action has no business in the hands of a creditor using unethical practices. Telling employers employees business, pulling credit. 

This debt is 10 years old now as of last payment. Im done playing games with this company. 
Even after writing letter TO NEVER CONTACT ME AGAIN they pull my credit. 
Lie about being time barred when I ask, they simply would not tell me which I know the information already. Because I worked hard to remove it and then worked years on my credit. 

Your company should be ashamed of itself. I know you cant tell employers or anyone answering the phone information. You certainly did. The credit pull I dont know but time barred debt Credit pulls something should be done immediately. 
Thank you.
Consumer complaint received 2021-01-13
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: EQUIFAX, INC. (GA)

I have sent a series of letters to Equifax, XXXX  & XXXX  with no response to my dispute and issues. I am a single parent that is now living with my parents and have been affected by covid-19. I have been reviewing my inquiries and I saw where companies have just been pulling unauthorized inquiries and i had to put a lock on it and I called the credit agencies however they left the inquiries but did lock my report as requested. I sent letters and nothing happened like I am being ignored. This is hurting me financially which is making me very emotional especially with covid happening. I suffer from anxiety and I just need my letters to be responded to. its been over 90 days and still nothing and each time I step out my door to mail off letters in the post office i'm feeling fear of covid-19 and I shouldn't have to go out if they respond to the phone calls. I have been scammed about student loan I paid to a company and I didn't realize that in the cares act all payments are suspended and then later forgiven. I qualify for the student loans to be deleted or forgiven and the credit agency still has not upated the new legistration on student loans being forgiven and this is stressful. Cares Act 3513 A, B, C, D, & E.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK (CA)

On XX/XX/XXXX at XXXX XXXX  PST I called customer service at CNB for my credit card ( XXXX ). I was calling to close my account since I had not been using it, and there is no reason for me to keep an account open that has an annual fee which I am not using. The annual fee was charged to my account on XXXX XXXX, and so I called at the first opportunity I had available to address it. 

I was told that the annual fee ( {$400.00} ) would not be reimbursed if I closed my account, and I was responsible for the full year membership fee of a card which I had not used and was closing essentially at the same time the fee was being assessed. 

This bank 's practices is a clear example of customer abuse whereby the bank refuses to revert an annual fee charge even if the customer does not use the account at all following the charge and immediately contacts them to close the account. I would imagine there are many people such as myself who have forgotten about this card until the annual fee posts, and called to cancel and have the fee reversed. This is what literally every bank other than this one does. I also suspect that many people just pay the annual fee and forget about the card for another year, repeating the process - which is clearly an abusive practice by this bank. 

I made a reasonable request for my annual fee to be reversed and my card account to be closed. I was told that in order for an annual fee on a card to be reversed, a " personal banker '' would need to see if that was an available option, and if so, to do it. The customer service rep told me that she would submit the request on my behalf. Since then my credit card statement with the annual fee has posted, and I have yet to receive any indication from anyone at this bank that action is being taken to reverse the annual fee and close my card. 

I would like my annual fee to be reversed and my card account to be closed. This is a reasonable request on an account in good standing that has no use following the fee being assessed, and the request being made shortly after.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have received credit card application mailers once a week for the past 5 weeks from Capital One. Each mailer says I have been prequalified for the offer. I decided after the third mailer that I should apply since they continue to send them to me. I applied on-line which was the only option on XX/XX/XXXX because I am a current Capital One customer and assumed they would not mail me something I would not get accepted for. Capital One rejected my application which hurts me financially since they did a hard credit pull. I followed up immediately and asked why they rejected my application - I have three open lines of credit on my credit report to include an auto loan with Capital One and two student loans, each of which I have been paying on for 12+ months and have an excellent payment history. Capital One has access to my credit through the auto loan. I have a full time software development job and my earnings for 2020 are high. The rejection letter says I have too high of balance on a revolving line of credit but I have no revolving lines of credit - The letter even states that 'Lack of recent bank/national revolving information '. Customer service on this issue has been poor. I received yet another mailer today for the same offer today saying I am pre-qualified. I think the offer letter sent to me is misleading especially since I am a Capital One customer and they have information on me, and the rejection letter I received appears to be not correct on why I was rejected. This process hurt my credit score.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2017-04-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC (LA)

Cavalry debt collectors filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX ) The inquiry was not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX ) The inquiry was not authorized : XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX ) The inquiry was not authorized : XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2021-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I applied for a Walmart card that Capital One services. The information on Walmart 's site said in several places that there would be no impact to my credit score. But then they turned around and did a hard inquiry which caused my credit score to go down by 3-4 points ( depending on which company you ask ).