davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2018-05-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Profit Services Group (PA)

I received my first phone call around XX/XX/XXXX ( maybe a few momths later too long ago to remember exact time ) from the Profit Services Group trying to collect a debt from my hospital visit ( while on a military trip ) to Georgia XXXX XXXXXXXX XXXX. I was unaware I owed money to the hospital. After the guy from the Profit Services Group proceeded to tell me i NEED to pay now sounded odd. I called the hospital to find out they never billed my insurance company. I gave the hospital my insurance information and they told me that they will run it but it will not be pulled from collections until insurance pays. I called my insurance company a few weeks later because i was receiving multiple calls from the collections agency and eventually they were hostile and wouldn't allow mw to speak to a supervisor. My insurance company told me they sent out a check about a week ago ( at the time of this conversation around XX/XX/XXXX, XX/XX/XXXX ) and i didn't have to pay anything. I let it go until i received more phone calls telling me i have to pay again, i told them my insurance paid it and if they have any other questions my insurance company told me to tell them to call them. Well the guy said no it doesn't work that way they can call us in the mean time we are putting this on your credit. I called my insurance company back and relayed the message, i gave them the phone number they called collections agency and called me back stating they were rude and didn't get anywhere and they wouldn't give the hospitals phone number. The insurance company eventually got in touch with hospital and worked it all out however, collections agency never let go of collections instead they put it on my credit with three different amounts that is inaccurate. I keep disputing on my credit report but somehow they are saying its valid when it's not. They don't call me anymore except when i keep disputing they keep calling i ignore them because of the ignorance of the conversation. PLEASE help me = (
Consumer complaint received 2018-12-15
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. (FL)

On XX/XX/2018, XXXX XXXX. pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX XXXX. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

Under the Public Service Loan Forgiveness, I sent XXXX XXXX my paperwork to certify. They said i qualified, yet they won't verify and won't give me any information. The paperwork was sent XX/XX/XXXX ... it is now XX/XX/XXXX ... and everyone i spoke with said they are escalating my request to review in 1 week. I called in XX/XX/XXXX. They said call call by XX/XX/XXXX for results. I called in XX/XX/XXXX, they said call in two weeks. I call in XX/XX/XXXX, he told me to stop calling and my call stops with him ( XXXX ). He refused to transfer me. They won't give me any information and won't review my documents.
Consumer complaint received 2018-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for 60 days, Citi Bank would give me {$400.00} within 90 days after the 60 day balance requirement was met. 

I opened my account in XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. 60 day requirement was met two months later in XX/XX/2018. 90 days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me. I tried the chat service. All the customer service representative just repeated what the promotional offer was but the issue was not resolved. Both of the customer service representatives had no updates and had no information to resolve the issue. The representatives told me to continue waiting additional days on top of the 90 days I already waited. 

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.
Consumer complaint received 2018-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MO)

I was told that I was getting a {$10000.00} credit for closing from my realtor and the mortgage bank- us bank would not allow it. I only ended up getting a credit of {$9900.00} and I am out {$590.00} that the seller and I agreed upon. I think this entire deal was not communicated well and was very confusing. Us bank did not communicate any issues until I confronted them when my realtor called me.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I wrote and contacted XXXX and XXXX several times. My account was at a zero balance. XXXX chose to close my account when I filed for bankruptcy. XXXX and XXXX were not part of the bankruptcy, and it should not be reflected on the credit report as discharged by bankruptcy because I never owe XXXX or XXXX any money. My account with them was in good standing. General Account Info Account NameXXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusDischarged through Bankruptcy Chapter XXXX. Status UpdatedXXXX  Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$6000.00} Highest Balance {$1000.00} Terms NA On Record UntilXXXX XXXX I have attached proof of what companies were included in the bankruptcy due to me being a victim of mortgage fraud and filing at the advice of my attorney to protect my home until the FBI can investigate the mortgage fraud.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I wrote and contacted XXXX and XXXX several times. My account was at a zero balance. XXXX chose to close my account when I filed for bankruptcy. XXXX and XXXX were not part of the bankruptcy, and it should not be reflected on the credit report as discharged by bankruptcy because I never owe XXXX or XXXX any money. My account with them was in good standing. General Account Info Account NameXXXX  Account NumberXXXX  Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusDischarged through Bankruptcy Chapter XXXX. Status UpdatedXXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$6000.00} Highest Balance {$1000.00} Terms NA On Record UntilXXXX 2024 I have attached proof of what companies were included in the bankruptcy due to me being a victim of mortgage fraud and filing at the advice of my attorney to protect my home until the FBI can investigate the mortgage fraud.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Hello, I recently contacted XXXX, Equifax, and XXXX and asked for an investigation of everything they are reporting on my credit file. I have received back from each bureau saying items were verified. I did thorough research on each myself and found improper inaccuracies in all 3 even after they did thorough research. Listed below are the accounts that were reported as accurate back to me, I will also upload a screenshot of each account showing the inaccuracies. 
Also In accordance with the Fair Credit Reporting act The following accounts have violated my rights. : XXXX Account # XXXX ( Screenshot uploaded ) date open, payment history XXXX Account # XXXX ( screenshot Uploaded ) open date XXXX Account # XXXX ( screenshot uploaded ) date open, payment history XXXX Account # XXXX Screenshot uploaded ) open date, status, pay history XXXX XXXX Account # XXXX ( screenshot uploaded ) Pay history and date last active and limit. 
The above accounts have violated my rights. In accordance with the Fair credit reporting act : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-05
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I paid a XXXX  statement on the Regions website, as Ive done for the past several years. Apparently their website rejected the payment, and my next statement showed an ACH return ( there are plenty of funds in the checking account that was used to pay it, so there shouldnt have been a problem ). This also was reported to the credit reporting agencies and my credit rating took a huge hit. 

On XX/XX/XXXX I called their Customer Service number, and spoke with a XXXX in XXXX ( confirmation # XXXX ). He said that the routing number for my checking account bank had changed on their website ( but I confirmed that it hadnt ). He said that he was going to re-submit the payment and that should take care of it. I was also told that the collection phone calls would stop, but they continue - and that they were going to investigate this and send me a letter, but that hasnt happened either. 

Apparently re-submitting the payment didnt work, because its still showing as outstanding on my current statement, and last week I got a notice from my credit monitoring services that the account had been closed. I called last week and escalated this to a supervisor, but she wasnt any help either. And on Monday XX/XX/XXXX I e-mailed the two people in their Office of Customer Satisfaction, with a CC to the president of the company ( O.B. XXXX XXXX, XXXX ), but didnt get a response from any of them. 

Thanks in advance or any help in resolving this situation.
Consumer complaint received 2018-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I went to a credit union, XXXX XXXX to apply for a savings account and was not informed that I my credit report was being pulled for consideration to open the account, causing a hard pull and decrease of my credit score.
Consumer complaint received 2022-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

I sent XXXX XXXX This affidavit asking for proof of obligation of this alleged debt. 


XXXX XXXX } XXXX XXXX XXXX XXXX XXXX } XXXX XXXX XXXX XXXX PA XXXX } XXXX PA XXXX Affidavit Request Proof Of Indebtedness *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* Date : XX/XX/2022 The undersigned Affiant XXXX XXXX , herein after Affiant, does solemnly swear, declare and state as follows : XXXX is competent to state the matters set forth herein. 

XXXX has knowledge of the facts stated herein. 

All the facts herein are true, correct and complete, admissible as evidence and if called upon as a witness, XXXX will testify to their veracity. 

I am requesting your proof that I am the obligated party to repay this alleged debt. Please validate this alleged debt on account ( s ). XXXX. Please provide the original instrument of this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory note printed is not proof of obligation. Please provided proof by affirming you did not sale the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth In Lend Act. Please cease and desist of any further attempt to collect on this alleged debt until you can validate it with the original instrument. I look forward to forward to hearing from you. 

Thanks XXXX XXXX
Consumer complaint received 2018-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (UT)

Entered into income-based Repayment plan InXX/XX/2011. I was working for XXXX XXXX XXXX so the employer was proper. Last year Navient realized that since I was in the public service loan forgiveness program my loans should be switched to XXXX. My loans were switched. I am not getting credit for any of my payments To Navient. They can not explain to me why. I have submitted requests for review on four separate occasions.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

I paid my bill in full and tried to use my card and it was declined. I called city card they stated my account was locked had me verify information and unlocked it. XX/XX/XXXX i attempted to use my card again and it was locked i called city back and was transferred to the fraud XXXX XXXX dept. .. after hours on the phone they will not unlock my account. I have begged and pleaded with them. It is XXXX time and im trying to use my card to shop for my children. They refuse to give me any information as to why my account was locked. And the are sending me a letter in the mail that takes 10 business days. I have never been treated this badly by a company in my entire life
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC (OH)

I bought a XXXX XXXX XXXX with XXXX milies ont it from XXXX XXXX, the car currently has XXXX   miles on it and is listed in the XXXX XXXX XXXX for only XXXX, but yet I'm paying {$400.00} a month for 4 years which will total out to be around XXXX after it's all said and done. The car is in terrible condition. I purchased it in XX/XX/2016, and the transmission failed within the same year and had to be rebuilt. I have had numerous problems since the transmission fix but XXXX claims that the car is fine. I have not been late on a payment in the entire two-year process, I have paid XXXX on the car and still owe another XXXX. I was a fresh XXXX years of age when I purchased the car so i feel like XXXX XXXX really took advantage of my ignorance and I feel that this is way unfair. I have tried to get the car refinance but other lender say that it is a lost cause smd csnt help me. Can someone please HELP ME!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, I recently contacted Transunion, XXXX, and XXXX and asked for an investigation of everything they are reporting on my credit file. I have received back from each bureau saying items were verified. I did thorough research on each myself and found improper inaccuracies in all 3 even after they did thorough research. Listed below are the accounts that were reported as accurate back to me, I will also upload a screenshot of each account showing the inaccuracies. 
Also In accordance with the Fair Credit Reporting act The following accounts have violated my rights. : XXXX Account # XXXX ( Screenshot uploaded ) date open, payment history XXXX Account # XXXX ( screenshot Uploaded ) open date XXXX Account # XXXX ( screenshot uploaded ) date open, payment history XXXX Account # XXXX Screenshot uploaded ) open date, status, pay history XXXX XXXX Account # XXXX ( screenshot uploaded ) Pay history and date last active and limit. 
The above accounts have violated my rights. In accordance with the Fair credit reporting act : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2022 my daughter who I share this acct with went on XXXX XXXX purchased a XXXX from XXXX XXXX  for XXXX XXXX told her her payment would not go thru on XXXX could she use XXXX or XXXX XXXX she used XXXX  I beleive XXXX XXXX with dollar sign see communication attached XXXX  could not help XXXX took money closed out her acct and shipped nothing. We went to bank they say transaction accured and XXXX keeps mony this fraud we filed police report and det wanted to talk to bank they said no way to contact disputed the are not refunding money because merchant will not return there allowing fraud to happen and debit card has zero responsibility td bank I dispute 2x with bank will not help us
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Holloway Credit Solutions (AL)

Hollway Credit keeps billing me for a service that I had insurance on file to cover. Its been reported since 2017. Mutiple incorrect spellings of my birth name and current address are still being shown on credit report after providing proper documentation.
Consumer complaint received 2022-03-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Plus Inc (IL)

Last XX/XX/XXXX and XXXX, XXXX, I received notifications from my account in credit bureaus XXXX and XXXX, that Credit Plus through XXXX XXXX  XXXX has pulled my credit report. This inquiries made were not authorized by me. I did NOT / NEVER authorize them to pulled credit report in my behalf. I have sent a dispute Letter and has not receive any replied from Credit Plus and has not removed inquiries from credit bureaus.
Consumer complaint received 2020-12-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I tried to apply online as REP Payee account because I am listed on this account with my sister. And my sister wanted to apply for a loan. 
I am the conservator. I called CashNetUSA. I talked with a customer service rep who was very unprofessional. I asked to be transfered to a supervisor and the rep said they do not have supervisors to take calls. She did not answer my questions at all about the REP Payee account she did not know anything at all. The customer service rep put me on hold and finally disconnected me while waiting for a response. The customer service rep said she would have one of the legal team call me but never confirmed it because she disconnected me while waiting on a LONG wait. I called back but I am still trying to get in. I finally end the call I did not want to wait any longer. So I am writing this complaint. 

Also, I have another issue about keeping my mother 's information in their database system. My mother has passed away and I do not want her information stored for fraud purposes at their loan office. This worry me very much because so much identity thief is being used at financial institution like this.. 

I would appreciate you looking into this because I have issues and concerns about this loan service.