davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX disputed AAFCU and asked where information was verified. TransUnion responded and said information was updated but not changes made to information sent. I also asked for an Investigation and no investigation was never made. Sent supporting documents showing that Transunion and XXXX are showing different information on account and Transunion sent back account was updated. Again no changes made to errors seen on credit report. 
XX/XX/XXXX sent follow up information. received an automated response from computer. 

sent final letter on XX/XX/XXXX that i would be reporting TransUnion for not complying with FCRA and reporting inaccurate information. Also for not doing an investigation.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello and how are you? The other CRA went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this Public Record as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verify this? 

For example, court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2021 my account ending from Regions Bank which was associated with to my XXXX XXXX application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution. 

As a trustworthy bank, I thought I would receive better attention from them about this inconvenience but I havent. 

I have personally gone to speak with the manager of the XXXX XXXX office located at XXXX XXXX XXXX XXXX XXXX, FL XXXX and they treated me very rudely and left without receiving any kind of solution. Then I went to another location with MrXXXX XXXX XXXX, branch manager of Regions Bank XXXX XXXX XXXX and he told me that they were going to submit an investigation but it's been almost a month and I still have not received a response about my money.
Consumer complaint received 2021-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Step 1 : What is this complaint about? 
I wrote to CFPB before and below was the result. I need further assistance. 

" Navient systematically misdirected borrowers into student loan repayment and forbearance programs when they really should have been directed into the Public Service Loan Forgiveness program. As a result, the plaintiffs claim they missed out on payments that could have qualified them for public service loan forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements. '' https : XXXX? XXXX This is exactly what happened to me! 

Step 2 : What type of problem are you having? 
I'm missing 5yrs worth of payments that could have been added to my PSLF. 

Step 3 : What happened? 
I was hired to work for XXXX XXXX. Between XXXX and XXXX I had asked many times if there were programs available to help me with my payments. I was told all that was available was the Student loan repayment and forbearance programs. I had advised them that it was was becoming increasingly difficult to pay in this manner since i had approx 25 loans and that this was destroying my credit having this many loans showing on my credit report. But again and again i was told there were no other programs. I asked if i could get a consolidation load for this. They said NOT to do this because it would bring me undo hardship with one lump sum and that i would lose the ability to pay off loans individually. It wasn't until approx XXXX a gentleman there had informed me that since i'm working for a hospital that i qualified for the PSLF loan. I had never heard of this before and proceeded to get more information. 

After i applied for this in approx XXXX I was only given credit from XXXX forward. I asked XXXX XXXX XXXX why i wasn't given credit starting back from XXXX. They told me because my loans weren't consolidated before that time. I told them what happened and they told me to call Navient and complain about this, so i did. They sent me a letter dated approx XXXX. 

Step 4 : What company is this complaint about? 
Navient Step 5 : Who are the people involved?

Navient and Myself
Consumer complaint received 2021-03-16
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. (NY)

I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. XXXX XXXX XXXX still report incorrect and negative items although they said they would stop collection actions. XXXX XXXX has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (TX)

I spoke with XXXX over the phone on XX/XX/XXXX and He informed me the closing cost would be around {$5400.00}. He then sends me 2 estimates that I questions with fees over {$7000.00}. But he kept saying it will come down. 

He told me around 10-10200 all in and it was XXXX and XXXX all in after taxes. I then switched lenders and they refused to sign over the appraisal and he told me it was against the law on XX/XX/XXXX but it was just company policy. 

He also told me I needed to close or FHA would charge a full month interest in my loan and that law was changed in XXXX. 

I have the documents and the emails of me asking him and he simple said it should come down. 

You tell someone zero down you dont come to closing with XXXX and XXXX cash needed to close. 

Very shady business.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2021-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (PA)

I received in the mail a letter where I've been told to show up for a court hearing about a debt that I knew I had, and have already set up payments with another company called : XXXX. This court docket does not tell me anything except the company they are representing and how much money I supposedly owe, which I can't even verify this amount as correct. Then I tried to call them and they wanted my credit card number and when i said XXXX dollars over the phone on my credit card was too much and they said okay, how about XXXX dollars and then XXXX dollars a month. I still don't know officially who I am talking to. He hung up on me. Then I tried to call XXXX XXXX and she gave me the same number to call that I had just talked to. Supposedly Pressler and Pressler, LLP I looked up the Judges name online, she apparently does exist. But this is very creepy and I don't know if it is legate and why is this all I received was a letter taking me to court.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (TX)

I have defaulted on my mortgage payments because I am in a serious financial crisis. I have explained in detail to my mortgage company by email so that they have every detail of my situation and how I plan to pay. They call and they email and they call and they email repeatedly like bullies as if I am holding onto my money and refusing to pay. I have {$160.00} in my account at this moment. They email me and tell me to call because they wont put a hold on the account by email. What does it matter if I call versus email! Its the same reason Ill give them over the phone! In the past when Ive contacted them by phone theyve tried to get me to pay. I dont like talking to them over the phone because they can be very ugly and rude. Its totally unnecessary. They know I live in TEXAS and we went through a horrific WINTER STORM! We went days without electricityand water and I missed an entire week of pay! My bf works for XXXX and his store was closed for a week so no one was there to do payroll. My paycheck for that week was only {$90.00}!! You tell me how Im going to pay a {$1000.00} mortgage with {$90.00}. Please someone tell me how Im going to squeeze that out of {$90.00}. It took 2 weeks for payroll at XXXX to get back on track because of the winter storm. I had to cash out my XXXX from my last job to get caught up. I have not gotten a stimulus package, otherwise I would have paid already! Being bullies and trying to squeeze money out of someone that doesnt have it does not help the profound situation. I have never been able, in the past to get a hold of my XXXX XXXX from XXXX. Its always someone else, then I have to re-explain the situation and then they get a supervisor on the phone and theyve always, always been nasty to me. Being ugly does not help the situation, especially when theyre a complete stranger. They do not know what is going on in someones personal life. There is absolutely no compassion when said person has been through multiple catastrophic events. I have been struggling since Ive moved in this home. Ive had through XXXX major XXXX XXXX, I was XXXX, i was on short term XXXX, which limits your income, then XXXX hit, then I wrecked my car, then the winter storm hit Texas. I have been doing the best I can given every single thing I have endured since 2015. I have tried to get a home loan modification but they refused and only modified one payment after I had my XXXX  XXXX. It did not help. My mortgage should be modified to my current income so it is affordable. Im only make {$10.00} an hour. When I bought the home I was making {$15.00}. Thats a big difference. Even though every payment has been late, Ive still made my payments. Im doing the best I can. If 21st does respond to this I know theyll try to justify their reasons for being the way they are.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, 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. (GA)

Equifax has been holding my credit file XXXX. They are demanding for me to agree to a mobile identity verification process. They are demanding that I give them a photo of me in order to dispute incorrect info that is listed in my account. I have also been locked out of my online account for about a year now. I have called and written letters and they are refusing to release allow me to dispute any credit information. Demanding a mobile verification to allow me to dispute my credit file is a violation of my privacy and consumer rights!
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriHome Mortgage Company, LLC (IL)

My current mortgage was on a forbearance due to loss of income related to COVID-19. I had an approved forbearance that I voluntarily terminated early and requested to be placed back into repayment status. I have never missed a payment and have a credit balance on my account. I was told my forbearance payments would be placed at the end of my loan, a calculation would be completed and my payments would resume. My loan was in good standing at all times. 
The mortgage company then reported my account delinquent in error and stated I was over 120days late. I disputed this with them as well as the credit monitoring agencies. I have called them on six occasions over the past 45days attempting to resolve the issue with no success. Im placed on hold for over an hour each time and no one can provide me any remedy, correction or accurate information regarding my dispute other than it was filed and will be processed. 
My credit score has dropped almost 200pts and I only found out about the issue when I went to seek credit for an auto loan and was denied. I have asked on multiple occasions to speak with a supervisor and have been denied. 
I am at risk of losing the ability to close on my refinance with another company and lose my rate lock due to this issue still going uncorrected. 

The mortgage company transfers me around and I have still not been able to speak to anyone that can resolve the issue.
Consumer complaint received 2021-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion is reporting 3 inquiries by XXXX XXXX XXXXXXXX that was not authorized. The dates on the Transunion report are XX/XX/2020, XX/XX/2020, and XX/XX/2020. There was no authorization from myself for XXXX XXXX XXXX to inquire 3 times in such a period of 5 days. Also there is no authorization for Transunion to report such inquiries on my credit report. 

Remove these inquiries off of my transunion credit report.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt. I called immediately and paid the debt off. I never received any calls, letters, or notices about this debt and that violates my 30 day right to dispute. I have paid and would like these collections off of my credit especially since i was not notified about them.
Consumer complaint received 2021-03-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/XXXX Received call from Kia Finance, rep XXXX XXXX, indicating I was 11 days overdue with payment of {$500.00}. I indicated not only did I not not owe any payments I was ahead of schedule on payments. I indicated to rep that XXXX statement that stated it was printed on XX/XX/XXXX did not arrive until XX/XX/XXXX. I mailed a check on XX/XX/XXXX, followed up on XX/XX/XXXX to verify if received by Kia and indicated to them untimely receipt of mail ( even though it shows it was mailed from California where I am located ). As due date was XX/XX/XXXX again checked to see if check received it was not went onto web site and payment made with confirmation number received for effective payment on XX/XX/XXXX due date. On XX/XX/XXXX an additional payment was received by Kia Finance as check dated XX/XX/XXXX was cashed, confirmed this with XXXX XXXX and XXXX. I received a statement from Kia on XX/XX/XXXX spoke to XXXX XXXX and XXXX requesting a new statement be sent as the statement dated XX/XX/XXXX only indicated one payment on XX/XX/XXXX - I confirmed on that phone call that Kia Finance had cashed check on XX/XX/XXXX and that money was received I asked for an updated statement with correct amount and was advised by rep that it would be generated in 3-5 business days. On XX/XX/XXXX additional payment sent for {$500.00} which was cashed at our bank on XX/XX/XXXX. To this date I have not received any confirmations from Kia Finance in writing that they have received. Speaking with XXXX I was told amounts were listed in suspended payments category?? and that I WOULD NEED TO TALK TO CUSTOMER ASSISTANCE TEAM. Since this was listed in my account why should I have to make any calls plus they had payments. Needless to say aggravating. I have called numerous times to KIA Finance today attempting to reach this team and have been placed on endless holds, 52 minutes, 26 minute, 35 minutes, 24 minutes, spoke with numerous!! representatives today with being sent to a different individual each time. I too have matters that I need to take care of and can not spend this endless amount of my day trying to correct a situation that isn't even my fault and THERE IS NO DEBT OWED.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I had a checking account with Citizens bank where I transferred XXXX XXXX XXXX from another account. Everything was going well then {$10.00} - XXXX was deposited into my account. These were funds from XXXX XXXX during the pandemic. I immediately called the bank to report this deposit because it was not mine and I didn't request anything from XXXX XXXX. The bank immediately restricted/closed my account and started an investigation. I called the bank days later seeing what was happening. I was told it was under investigation and I had to wait till the investigation was done. After XXXX - XXXX weeks go, I call again, the fraud was still under investigation. At the end of the month without and communication, I called the bank again. The bank said it was still under investigation and may conclude 60 - 90 days. After the 90 days was up, I called that the investigation is ongoing, I see the fraudulent funds were send back from an account statement, my funds that I added were still in the account with management fees ( {$9.00} ) being taken out each month and told it may take 6 months to a year to resolve. It's just about 3 years, my account is closed, my money is still in there with fees being taken out and still under investigation.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

On XXXX XXXX  2024 all my money was taken out of my account by a person representing a Chime worker in the amount of XXXX. I explain to the person that I kept getting {$2.00} transactions taking out my account 6xs by XXXX. He explained he was going to take care of this and that he would have to change my username ( XXXX ) when doing so he cleared out my account. I ended up finding out the real # for Chime customer service and explain to them everything, to the point I was in tears. I spoke with the supervisor and then the fraud department the lady explain that they been having complaints about this and that I will be able to get my money back. Now my dispute is denied and I'm taking my case to XXXX If I don't get justice then I'm going to have to take this to court and seek more money for pain and suffering. I live paycheck to paycheck I can't afford to let my money just go like that from someone who I thought was a Chime representative and who was suppose to help my situation. 
Everything I sent even the police report states I was scam by someone who represented themselves as Chime. All I want is my {$1400.00} back into my account. Any bank wouldn't have no problem giving their clients money back if it was scam out of it. Chime is Not Trying to give me my money back. I'm not going to stop until I get justice and refunded back. The next step will be the News Station then Court. If I take it to court I will be seeking more money for all this aggravation.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

In accordance with the FCRA my rights have been violated. The accounts below are a violation of 15USC 1681b .I never gave consent or permission This is identity theft/fraudulent per the 15 USC 1681C-1 AND 15 USC 1681C-2 this information is to be deleted and blocked. 
XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX These are also violations of 15 USC 1681s-2a1a and 15 USC 1681eb . These are classified by the IRS as " income '' and income isn't to be reported on a consumer credit report and this violates 15 USC 1681 ( 2 ) ( a ) \ ( 1 ) stating to exclude any transactions or " experiences '' between the consumer and the person making the report from the consumer report. 

There is also a billing error on my self lender account. The late payments for XXXX and XX/XX/year> are a violation of 15 USC 1666b.