davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX.is reporting on my XXXX and Equifax that I have two missed accounts but it states they are current. This is confusing and misleading to future creditors. If my accounts are current how are they missed. This is the type of fraudulent and misleading information that in violation to FCRA.
Consumer complaint received 2022-02-06
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. (NY)

XXXX XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. Transunion XXXX and XXXX are not updated. 
XXXX XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because XXXX XXXX  did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I need to know how many qualifying payments I have for Public Service Loan Forgiveness. XXXX XXXX XXXX said it would take 3 months to calculate. Then they said 6 months. Now they say a year. I should complete my 120 qualifying payments in XXXX of 2019. In the event that there is a mistake I would like time to fix it before I complete my payments and apply for forgiveness.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

The bank closed my account without any cause of notice. I called the banks customer service on XX/XX/2018 and I was told my credit card has been closed. The representative told me that the bank tried to contact me in XXXX to verify my information, but there was no response. I didnt receive any mail, email, call, text message or any form of communication from the bank. In fact, I have been trying to contact the bank for the past few months but I havent been able to get in contact with any representative, due to bad customer service and long wait time. I was lucky to enough to speak to a customer service representative about my credit card in XXXX, but the representative couldnt help.
Consumer complaint received 2018-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (NJ)

I opened a HELOC with PNC on XX/XX/XXXX and proceeded to make payments towards the loan per our agreement. I logged into my account on XX/XX/XXXX and saw that there were multiple line items in my account that I did not recognize. Some were {$0.00} transactionss and some were labeled " misapplication reversal ''. The PNC escalation told me that i should've been notified of an issue ( which I wasn't ) and that I shouldn't worry that it would all be cleared up by XX/XX/XXXX. He stated that there were many issues with their systems and they were just going to backdate my payments ( which I can not believe he said they were doing ). At this point nothing has been correct, my payments are not applied correctly, and I have no idea what the status of my loan is. It's saying that I have a payment due on XX/XX/XXXX even though I have already made my payment for that month. The rep today ( XX/XX/XXXX ) that this issue has been ongoing for SIX MONTHS and that it should be fixed soon. I have no faith in them fixing this issue and have no faith in them correcting my account to a normal status.
Consumer complaint received 2023-07-03
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. (VA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2020-12-16
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: Advantage Credit, Inc. (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, XXXX  XXXX XXXX, on XXXX. XXXX, XXXX, XXXX and on XXXX. XXXX, XXXX, Advntge Cred add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Richmond, Inc. (FL)

I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXXXXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, finance system AND FINANCE SYSTEM of RICHMOND has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXXXXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
Consumer complaint received 2022-02-06
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. (IN)

The credit bureaus are in violation of the FCRA laws due to the disregard of the FCRA laws. I sent a dispute dated XX/XX/2022 requesting them to verify the account by providing documentation of an original contractual agreement from creditor bearing my signature and provide me with the method of verification if the account in question is verified after the investigation is complete or delete the account immediately if they are unable to verify. They then had 5 business days to notify me of the results or that they are still investigating. After 30 days went by I sent a demand & comply letter dated XX/XX/2022 for them to remove the account immediately due to not verifying the account in a timely manner and not providing me with the method of verification. This account has never been verified nor validated per the previous request.
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MN)

I have a problem with two banks in this instance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX On XX/XX/2019 I went to my bank Branch, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, MN XXXX, for closing on my HELOC loan. I was to use some of the money to pay off credit card debts. When I got there, the bank and used my credit report to obtain pay off balances ( which were out of date and incorrect ) for my 5 credit cards. They had issued cashiers checks and were going to XXXX XXXX  the payments to the accounts to pay off the balances. 

One of the pays offs my XXXX XXXX XXXX account. ( XXXX XXXX, last four numbers XXXX ) XXXX XXXX issued a cashiers check for {$800.00} ( the correct pay off balance was {$780.00} ). The mailed the check to a location in XXXX XXXX California. Two weeks later, I checked on these account to see that the payments had been received. On XX/XX/XXXX, I noticed that the payment to XXXX had not been credited. I phoned XXXX and they instructed me to check with XXXX XXXX, obtain a photocopy of the pay off and proof of receipt and to fax it to them. We did that on XX/XX/XXXX. 

On XX/XX/XXXX, I phone XXXX  again because the balance continued to remain outstanding. They said they had no record of the check. On XX/XX/XXXX, I went to XXXX XXXX to attempt to solve the issue with XXXX XXXX. We phoned XXXX and was told they would " escalate '' the matter and it would be resolved in 7-10 business days. 

To date, I continue to contact XXXX Customer Service on a weekly basis, and am told exactly the same thing ... the matter has been " escalated ''. 

The cashiers check was received and deposited into XXXX XXXX account on XX/XX/XXXX. We have proof of receipt and it is endorsed. So Citibank ( who is the owner of this account ) has received the check, deposited the check, but claims they can not find it. My account is still outstanding. 

I have written to XXXX Customer Services, Phoned them 17 times, called the Executives at XXXX on 7 occasions and left messages. Written to the XXXX XXXX XXXX, and called every customer services number I can find to no avail in this matter. 

I also have attempted to resolve this matter through XXXX. XXXX. I have called over 10 times my branch, and the XXXX XXXX customer service line and each time I am told they will look into it and get back to me and they don't. 

I took out a Home Equity Line of Credit to Eliminate debt and instead I have accrued more debt. I am extremely unhappy with the customer service I have received from both banks.
Consumer complaint received 2018-08-10
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. (MI)

On XX/XX/XXXX I initiated through this system a complaint about an unauthorized hard inquiry from XXXX XXXX XXXX appearing on my Experian Report. The CFPB report number was ( XXXX ) SEE attached File. The CFPB reported back that this company was not in there database, ( as they do handle complaints of erroneous reporting. ) The hard inquiry from XXXX dated XX/XX/XXXX, was NOT initiated by me and is a matter of FRAUD or ID THEFT or other.
Consumer complaint received 2018-08-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I submitted CFPB Complaint # XXXX on XX/XX/2018 to request assistance with an issue we were having with our mortgage company refusing to recalculate our payment following our county authorizing a 100 % exemption from our property taxes because I am a 100 % totally and permanently XXXX veteran. On XX/XX/2018, XXXX XXXX XXXX, Director of Customer Service XXXX XXXX XXXX, responded saying the company had performed a new escrow analysis, had recaulculated our escrow and payment requirement, and would be issuing an escrow surplus check ( due to the overage in our escrow account ) in the amount of {$4900.00} within the next 5-10 business days. As of XX/XX/2018 ( 12 business days ), I have still not received this check. When I contacted the company they said they would have to check into it and would try to have the check mailed by XX/XX/2018. When I asked if, since they had not fulfilled their promise, they could have the check XXXX  to me, the representative said he could not guarantee they would do that.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (FL)

Upon opening a personal and business checking. Huntington froze my personal checking account. I am a traveling XXXX and travel all over the US in the fight against COVID so am rarely home or near the branch. 
I found out my personal account was " frozen '' when my direct deposit was returned. It has now been almost 4 months since I was told repeatedly that the account would be closed and I would receive a refund check for my funds in the account. However I still can not get them to send a check, and they are instead placing low account balance service fees on the account. 

I told them I want the business checking closed as well - even though there is no issue with it - due to this incompetence and instead I get a sorry we can not close it via the phone or any other method than the branch. I find this unacceptable also since I am on the west coast on a travel assignment for a XXXX 

I want the fee 's refunded on the personal checking, and {$1000.00} approximately returned in that account. 
I also want my personal consulting business checking under my name closed as well ( it has a 0 balance ). 

I am ready to contact legal counsel.
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

i have been writin the credit bueaus for over a year, XXXX, experian, XXXX is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my XXXX XXXX job. I have never lived at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, nor XXXX XXXX XXXX they have 3 bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?
Consumer complaint received 2022-03-09
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. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-12-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NY)

XX/XX/XXXX ; 2020 I refinanced my mortgage that had been with XXXX loan servicing. On XX/XX/XXXX I called there customer service number XXXX inquiring about my escrow refund. I was told it was in the mail. I have called and spoke with a rep 6 times since then, verified correct mailing address, and I am still being told check is in the mail. 
I am a XXXX XXXX patient requesting only what is legally mine! 
I have little doubt that this refund was never put in the mail. I can not even obtain a statement from these people, let alone my refund.
Consumer complaint received 2021-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

AES has not provided complete and accurate records of my loans to the US Department of Education after they failed to have me on the proper repayment plan when they knew I was pursuing XXXX. I've been paying on my loans for 15 years while having the same ( qualifying ) job the entire time. My loans should have been forgiven a long time ago. AES needs to provide my payment info, as well as info they received from the previous company who handled my loans, to the US Department of Education.
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MI)

I had a credit card through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my paycheck and bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account is wiped clean at least once a year for the past 7-8 years and my paychecks are being garnished for around {$400.00} each month for a debt that we took all steps to pay in XXXX.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (FL)

On Sunday XX/XX/XXXX I reached out to Albert to dispute multiple transactions from an overseas gambling website. These transactions were spread amongst multiple accounts and I found I was victim of SIM copying and someone had access to my XXXX XXXX. Albert denied the dispute, later the merchant attempted refunds to the old card that Albert denied. Albert again refused my dispute even though the merchant attempted to refund. Albert has been negligent in handling the matter, responding to me for help, and doing their job to accept the refunds for return of funds. The other two accounts compromised accepted the funds returned with no issues even though both accounts had new cards issued. This bank claims no liability on any issues and has 0 respect for their clients.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I booked a hotel stay at XXXX XXXX XXXX XXXX ( located in XXXX ) through website XXXX. This stay was supposed to take place from XX/XX/2020 to XX/XX/2020. The reservation included a " Free Cancellation '' policy that entitled me to receive a full refund in case I cancelled it before XX/XX/2020. 
I paid the reservation in full ( {$920.00} ) using my MasterCard credit card issued by Bank of America. You can find the charge paid in the attached credit card statement. The charge 's reference number is XXXX. 

I cancelled the reservation on XX/XX/2020. Instead of receiving a refund, all I got from XXXX was a voucher that was supposed to be valid for a new hotel reservation. When I tried to use this voucher, their website was down, their customer service telephone lines were also down, so there is no way to actually utilize the voucher. In light of this, and considering that I never received the full refund set forth in the cancellation policy, it is clear that XXXX is incurring in a fraudulent practice. 

Consequently, on XX/XX/XXXX I called Bank of America to initiate a dispute over the charge that I had paid for in XXXX. They informed me that due to their systems limitations they can not generate dispute claims for charges that happened more than 6 months ago. 

I now recur to the CFPB for help against the XXXX fraudulent practice, given that my trusted bank is not able to help. 

Please let me know if additional information is required. 

Thanks and Regards, XXXX XXXX XXXX XXXX.