davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (PA)

I have a pair of CDs issued by XXXX XXXX XXXX, XXXX. - Pennsylvania in XXXX and both reach maturity in XXXX with a combined value of {$6400.00}. 

https : XXXX shows the acquisition of XXXX XXXX XXXX  XXXX XXXX. ending with Well Fargo Bank. 

Wells Fargo had me speak to at least six representatives in succession resulting in a case ID & case manager to find these CDs in their database. It took asking for a manager in all conversations that led up to a case being assigned. 

The Wells Fargo contact that handled the case only communicates by phone or by fax. No Email! 

After providing an image of the CDs and speaking with the rep at Wells Fargo I was told they reached a dead end. 

Worth noting, these CDs were purchased by my father and have been in an envelope from XXXX XXXX XXXX, XXXX. since the day they were purcahsed. This envelope is bank stationary from XXXX XXXX XXXX, XXXX. - Pennsylvania at XXXX XXXX XXXX XXXX, XXXX, PA - - - and Wells Fargo Currently operates a branch at this same address. 

My brother and I a equal co-executors for my parents estate and can provide death certificates as well as a State/County " short form '' proving their in no dispute of our parents will. We can provide additional documentation as required.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2020-03-06
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. (NY)

IVE SENT SEVERAL RESPONSES FOR YOU TO HELP ME. YOU KEEP UPDATING AS DUPLICATE THIS IS UNFAIR. I CANT GET HELP XXXX IS NOT REPONDING TO ANY REPONSES FROM ME. THIS IS NOT MY CAR IM REALLY STRESSED I NEED THISFROM MY CREDIT I FILED FTC AND NO ONE IS HELPING ME I NEED TO DISPUTE THIS CAR
Consumer complaint received 2020-03-06
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. (NY)

IVE SENT SEVERAL RESPONSES FOR YOU TO HELP ME. YOU KEEP UPDATING AS DUPLICATE THIS IS UNFAIR. I CANT GET HELP XXXX IS NOT REPONDING TO ANY REPONSES FROM ME. THIS IS NOT MY CAR IM REALLY STRESSED I NEED THISFROM MY CREDIT I FILED FTC AND NO ONE IS HELPING ME I NEED TO DISPUTE THIS CAR
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc (PA)

Received a letter from synergetic communication, inc. stating their client XXXX XXXX XXXX XXXX turned a debt over to them that was originally owned by XXXX. I don't know what debt this is referring to and have not received any other communication regarding this debt of {$5600.00}. They offer a discounted payment of {$1400.00} if paid by XX/XX/21. I am not sure if this is real or a scam. 


XXXX XXXX XXXX
Consumer complaint received 2020-12-30
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. (NY)

My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2020-03-06
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. (NY)

IVE SENT SEVERAL RESPONSES FOR YOU TO HELP ME. YOU KEEP UPDATING AS DUPLICATE THIS IS UNFAIR. I CANT GET HELP XXXX IS NOT REPONDING TO ANY REPONSES FROM ME. THIS IS NOT MY CAR IM REALLY STRESSED I NEED THISFROM MY CREDIT I FILED FTC AND NO ONE IS HELPING ME I NEED TO DISPUTE THIS CAR
Consumer complaint received 2020-03-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ReliaMax Holding Company (IN)

In the Fall of XXXX, I registered as a student at XXXX XXXX XXXX of XXXX. I began classes in XXXX of XXXX and graduated with a XXXX XXXX XXXX in XXXX of XXXX. Shortly thereafter, I consolidated my federal student loans and have been paying them back via an income-based repayment program through National Student Servicing.I have had no trouble making these payments and the remainder of my federal student loan debt will be forgiven by XXXX. 

My problem is that six months after graduating, I started receiving bills from a bank called XXXX XXXX for over a thousand dollars. I am not and have never been in a position to make such a payment. I struggled to make payments for what I was being told was a " private student loan. '' In XXXX, XXXX XXXX sold my student loan debt to Reliamax Surety Company. I continued to struggle to make payments, and I attempted to consolidate this private loan through a company called XXXX XXXX. My consolidation payment was {$1100.00} per month, which caused a heavy financial burden on me and my family. I was not able to keep up with the consolidation payment, and my mother ( who is my co-signer ) and I began receiving many harassing phone calls per day from Reliamax. I was also threatened over the phone by Reliamax, I was told that if I could not pay then I would " face consequences ''. In XXXX of XXXX, my mother and I were presented with court summons because we were now being sued by Reliamax. We hired representation, and have attempted to reach a settlement with Reliamax but they have refused to accept any of our offers. 

When I was a student at The XXXX XXXX of XXXX, the difference between a federal and a private student loan was not explained to me. I also never saw any of the payments that XXXX XXXX made to XXXX XXXX XXXX, to my knowledge all of the loan money was sent directly to the school. When I got my federal loans in order, I thought I had everything covered, but I was sorely mistaken. I was never provided with documentation of the loan, I was told by the school that if I did not sign the loan contract, then I could not continue to attend classes. I was not consulted about where the loan was coming from, or what the consequences would be for me if I defaulted. I received no counselling when making this enormous financial decision. I was scared and intimidated because I did not want to risk not completing my degree. I feel that I was strong-armed into taking out a loan that I did not fully understand, bankruptcy is not an option, and now my mother ( my co-signer ) and I are facing huge financial detriment. 

I understand that XXXX XXXX XXXX have faced a class-action lawsuit for predatory lending practices, and I believe I and many other students from XXXX are victims of those practices.
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (GA)

XX/XX/2020 I called to received statements from PNC, which I been an account holder for 4 yrs plus. Spoke to a very nice representative she verified my address never mention it would be a charge for them to send me out statements for {$210.00}. My account was in the negative at the time when I made this call, so I didn't have the XXXX for the representative to even charge my account, which made my account in the negative and also dealing with another dispute with PNC with another merchant taking money out of my account anyways. The representative should have seen that my account was in the negative and in escalation from a dispute and didn't have the money to charge for the statements. So she took money I never had and didn't make me aware of the amount of the fee. So basically she charge my account without making me aware and took money that was not even in my account to take. 
I called to speak to a supervisor, I spoke to XXXX XXXX he denied and stated that its in the paperwork when I open up my account that its a charge. Then I spoke with a manager XXXX XXXX, she stated she would have asked to see if it was a charge. PNC is not understanding to be able to charge someones account rather you are the bank or just the merchant you have to authorize the amount and also have the amount to charge I did'nt even have the money to take.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX. V XXXX  ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MN)

Concerns my Macy Card, through the Department Stores National Bank in XXXX Ohio. 

I paid off my balance in full on time in XXXX - {$58.00} My XXXX statement says I owe a {$2.00} fee. The statement says that I do not owe any interest. 

I contacted the bank and the automated person referred to it as interest and automatically removed it before I even talked to a person live. 

The statement says that " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month '' There is nothing on the statement about any {$2.00} fee. 

I talked to a live person to cancel my card. Her verified that my last payment was on time, and said the {$2.00} charge, which he referred to as an interest, was the result of " computer error '' I wonder how many people pay this fee and how often the company refunds the money given that it is their error and they know it. My sense tells me that a ) alot of people, and b ) never. 

These guys need someone to look into their apparent fraudulent practices.
Consumer complaint received 2023-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (FL)

I have tried to make a mortgage payment through the internet with the company MyLoancare.com webpage since yesterday and apparently the web page has vanished. So i tried to call their customer phone line XXXX and a recording says that loan care systems is currently down and their agents don't have access to the system. Thank you for any help you could offer and hoping everything will go back to normal again. So i could continue to pay my mortgage. And Please Investigate since their is no communication with this company.
Consumer complaint received 2020-03-06
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. (NJ)

i cheked my credit a few months ago. its not the law, I never had a XXXX  account I dont speak english the rep is very abusive with language. The other bureaus deleted it but equifax refuses. Its very diddiculy. I use a dictionary to write this. Please help. And XXXX  XXXX marked me late marked me late and I have automatic payments setup. the language barer. i need to keep my citizenship. this is not good for me please delete XXXX  and update my lates at XXXX  XXXX to never late. i was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never was late on XXXX  XXXX. I had automatic payments scheduled 100 % this is on my report You've made 42 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_status
Consumer complaint received 2018-11-07
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. (IL)

Hard inquiries on my credit report with all credit bureaus and I didn't receive credit from the loan companies and I asked for them to be removed from my credit reports. if no loan was given or credit from the companies they must remove the information or inquiries especially if I didn't apply for the credit and that has a negative impact on my credit score XXXX XXXX Thank you for your help
Consumer complaint received 2024-03-15
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. (NC)

SOMEONE STOLE MY INFORMATION AND COMMITTED FRAUDULENT ACTIVITIES ON MY ACCOUNT. CAN YOU PLEASE REMOVE THESE HARD INQUIRIES ASAP. 
THANK YOU SO MUCH.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-30
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. (AR)

I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I was never informed through US postal nor email that I was entitled to the Equifax breech Settlement. I can not access my credit report. The credit report summary is blocked. I requested to speak with a supervisor. I was told they are unviable. During the year XXXX, I have a complaint with both XXXX XXXX XXXX Sheriff department, US Postal Inspector General, and The Florida Attorney General Office regarding the US Postal carrier 's children. Going through my mailbox and through my mail on the ground. I also checked my email history from Equifax dated back to the year of XXXX. Equifax never communicated with me at all. My discovery was made on XX/XX/XXXX.
Consumer complaint received 2020-12-30
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: Mercedes Benz Financial Services (NY)

Good afternoon, On XX/XX/XXXX and XX/XX/XXXX my XXXX  credit profile was pulled twice. That resulted in 4 hard inquiries on my credit report from XXXX. 

I am purchasing a house and this does not reflect positively and I am trying to fix this issue. I called the credit bureau and was advised to get a letter from Mercedes Benz Financial requesting that 3 of the inquiries be removed immediately. 

The letter was sent by certified mail on XX/XX/XXXX and received on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from Mercedes Benz Financial Services stating that the credit pulls were valid. The representative stated that the Dealer should have explained that they pull my credit, then send my information to Mercedes Benz Financial Services who pulls it again. I stated that the dealer did not indicate that MBFS would pull my credit again and since they are affiliated can they send me a courtesy letter that I can send to the credit bureau requesting that 3 of the inquiries be removed. They declined stating that the 4 pulls that happened for one loan over a 2 day span was valid. 

I find this highly unreasonable as I would not be able to get a loan with them if I had bad credit and pulling my credit 4 times is definitely hurting my credit rating and scores for 2 years!
Consumer complaint received 2020-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/20 I scheduled an ACH pull from my JP Morgan Chase savings account to my XXXX XXXX savings account in the amount of {$13000.00}. This was scheduled through XXXX XXXX. The transaction was completed normally on XX/XX/20 however XXXX froze all ability to transfer to/from my accounts. XXXX stated this was because the wrong name was on the login because my Chase account is only in my name but my XXXX account is a joint account. They have conducted multiple transfers previously between account with only my name so this did not make sense, but we resolved the issue with a phone call. However, XXXX stated that they would have to reverse the ACH transfer back to Chase, which occurred on XX/XX/20. 

The funds never appeared back in my Chase Savings account. I called Chase customer service and they stated there was nothing they could do because they couldn't see the transaction. I called XXXX and they stated they would investigate and have a supervisor call me back with a resolution, but no one ever called. I called XXXX again and was put through the exact same conversation as before and was then told they couldn't do anything to help me.
Consumer complaint received 2020-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company (NH)

The lender, J.G. Wentworth Mortgage, continues to owe me an escrow refund of {$250.00}. This lender initially owed me {$1400.00} and committed to pay in their company letterhead dated XX/XX/XXXX. However, they have only paid {$1100.00} shorting {$250.00}. Written request dated XX/XX/XXXX and XX/XX/XXXX were sent to J.G. Wentworth Executive team, attention XXXX XXXX, and phone calls were made seeking for the balance amount. However, J.G. Wentworth is not responding.