davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MN)

I am trying to refi my current loan that is with American Education Services. About 5 years back, AES transferred my account to a new account and in doing so my name dropped of the loan account. I was the primary loan holder and my father was the cosigner. I have been paying this loan for the entire time. Now that I am trying to refi the loan, I am being told my name needs to on the loan. I call AES and tell them this needs to be fixed and they tell me they can not give me any info regarding my account. They say my SSN is correct but I am not giving them the correct birthdate. I give them my father 's birthdate and that is not correct either. They asked me to fax in my driver 's license which I did on XX/XX/18 and explained that they need to fix this ASAP as this is their system error and my refi paperwork is on hold. I just called them today and they say they still have not received my fax and will not help me. This is ridiculous customer service. All of these system errors are because of them, not me. How do I even know this is my loan?
Consumer complaint received 2018-11-08
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. (AL)

I have disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.
Consumer complaint received 2023-03-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED # 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC : # XXXX, XXXXXXXX XXXX  XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  DP OF EDUC : # XXXX, XXXX : # XXXX, XXXX : # XXXX, DP OF EDUC : # XXXX, right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-08
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. (GA)

I need your help with XXXX, XXXX, Transunion that is reporting bankruptcies and other accounts that are not mine. Please have them to prove where I filed bankruptcy and opened these accounts. I would like for the incorrect information to be removed from my report immediately. 
1. Bankruptcy : Discharged CH-XXXX  XXXX  : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX   Transunion : XXXX.

2.XXXX XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX.

3.XXXX XXXX XXXX  : XXXX Transunion : XXXX.

4.XXXX XXXX XXXX XXXX : XXXX 5.Bankruptcy : Discharged CH-XXXX   XXXX : XXXX-DSP-XX/XX/XXXX XXXX  : XXXX Transunion : XXXX.
Consumer complaint received 2022-07-11
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: Avant Holding Company, Inc. (AL)

I called them, They say it was some internal issue with their system that is not my problem they have violated the terms of service in my opinion if I cant used the card then what the point I have had multiple fail transactions this month with embarrassment in front of coworker, family and friends it's not fair I pay on time each month why cant they
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion will not remove the Fraudlent inquiry from my credit report. 

the fraudlent inquiry is named on my report as : XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion i have no open credit card accounts from XXXX XXXX This inquiry must be removed attched in the FTC report they must remove the inquiry within 5 days
Consumer complaint received 2018-04-26
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. (MO)

Not only have I been a victim of fraud, I also was a victim of the XXXX breach .And now there's collections dated XX/XX/2017 ( XXXX ), and XX/XX/2017 ( XXXX XXXX XXXX ) on my report. To keep this on my report goes directly against the language in the FCRA.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX I talked to all of the above representative and explained my situation as far as someone stealing my identity and obtained goods or services. They were not helpful at all. They didnt offer any resolution and they were very rude when i did have questions.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY (UT)

American Express XXXX me about atm withdrawal benefit and features. When I went to use the atm cash withdrawal ... it would not work as communicated to me. I then call CS back and received a different story. Second time trying the process did not work, after multiple times with different customer service against and hitting my frustrations level on the tenth time callin CS I decide to be at the atm at the same time. One the agent found out I was using his instructions while standing at the atm he then told me it wont work. I then ask for his supervisor AMX at that time was unwilling to help me with my issue. I ended up closing the account give how good is the product when they do a bate and switch and you cant use the card. Dont what to pay an annual fee when you cant use the benefit they advertise and try to promote.
Consumer complaint received 2022-07-11
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. (FL)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Those debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Consumer complaint received 2019-09-02
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: DISCOVER BANK (OH)

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Discover Bank XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX Fraud Inquiries. They won't remove
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (IL)

In XX/XX/2021 I noticed on my credit report that a collection agency was reporting a medical debt I had never seen. I had never received notification from the hospital it was originally attributed to which occurred during the pandemic prior to me being XXXX in the military XXXX. They claimed they had sent the bill to an address I had not lived in multiple years, I confirmed with them today that this should have been removed on the grounds, I paid the debt with the knowledge they said they would delete it because I never got notification of the debt prior to collections reporting and two because it was a debt that shouldn't have been sent to collections without properly verifying my address. 

I am asking them and the CFPB to remove this paid hospital bill off my credit report as the injury during the pandemic was to no fault of my own and not my decision and I never received any correspondence before finding it on my credit report, shockingly. 

Thank you XXXX
Consumer complaint received 2019-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (TX)

On XX/XX/XXXX, a check that had been stolen from the mail was washed, altered and deposited. XXXX XXXX XXXX  was the depositing bank, PNC ( my bank ) was the paying bank. The check was originally made out for {$670.00} and the altered amount was for {$9700.00}. I reported the problem to PNC on XX/XX/XXXX. An affidavit was completed and notarized at PNC. The form was sent to their XXXX Department. The XXXX reference number is XXXX. 
I received 2 calls from XXXX XXXX XXXXXXXX, XX/XX/XXXX and XX/XX/XXXX, to confirm that this check was fraudulent. 
As of today, XX/XX/XXXX, PNC has not notified me of any action taken or resolution. I have called the XXXX department phone number, XXXX, at least 4 times with no return call. Their message says they will return the call within 2 business days. I soke with XXXX in the retail customer support on XX/XX/XXXX. He told me that the investigation is still ongoing and could take up to 90 days. I call him again today with no return call. 
we are now over 90 days and there has been no resolution. 
After I reported this, 3 more checks hit my account but I reported it to PNC the same day and they where able to spot payment on those.

I don't know who to ask or how to get help on this matter. Please advise. 
Thank you,
Consumer complaint received 2023-03-22
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX.
Consumer complaint received 2018-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

Ive made additional principle payments that would not apply to my balance they would only credit it towards the next months bill. I have always paid my car payment on time and more then the normal amount and my balance at one point actually increased. When asked to give a completed payment history they would only give me the last few months. So I was unable to find the discrepancy and figure out him my balance increased and is not going down
Consumer complaint received 2023-03-22
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MI)

I opened an American Express platinum credit card on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX the card did not work at XXXX XXXX gas station in the morning and then again on XXXX XXXX a day later.There was no intimation from the company either by phone, text or email regarding the cause of declination. 

Please note this card has annual membership fee of {$550.00} which is THE HIGHEST fee in credit card category. A reasonable consumer can expect a superior service experience when paying highest fees. 

When I called to express my displeasure at being denied simple transactions the employees could not give any satisfactory reasoning. 

I was charged {$550.00} annual membership fee in XX/XX/XXXX, the company states that the annual membership is refundable within 30 days of opening. 

In XX/XX/XXXX, company sent me a letter stating that the account is cancelled because of abusive behavior on my part, they kept my {$550.00} fees plus {$1100.00} worth of points that I had accrued. They further blacklisted me from all American Express products. 

I am a XXXX XXXX was attending to XXXX XXXX XXXX patients during XXXX XXXX have attempted to work with them, but no success. My consumer rights and first amendment rights stand violated, need CFPB help.
Consumer complaint received 2018-11-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (TX)

I am cosigned on a loan with my son- he is making a {$75.00} a week payment/ {$300.00} a month - this loan should be paid ahead of the payment is only {$230.00} a month leaving a surplus of {$65.00} per month. 

XXXX they called and stated that they haven't received payment since XX/XX/XXXX- I got on my sons account and there is consistent {$75.00} weekly being sent. This was a lie. 

XXXX called the number on my way to work was connected with a XXXX   person that was not very cooperative- she stated that they are receiving payments I tried to get her to explain to me how this could be behind if the payment monthly is {$230.00} and there is a weekly payment of {$75.00} which is {$300.00} per month this loan should be paid ahead since XX/XX/XXXX of this year- she tried to push me off the call I waited to speak to a Team Lead and asked the same questions- since there is obviously research and misapplied payments that need to happen on XXXX XXXX side of the house I asked for to have my number removed and not called. She stated they can remove from dialer but will still manually call- I have been really sick this year with 2 XXXX and not doing well- there is obviously some misappropriation of funds and this needs to be escalated.
Consumer complaint received 2018-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (NY)

my name is XXXX XXXX property address is XXXX XXXX XXXX XXXX XXXX NY XXXX. I took a conventional loan back in XX/XX/2008 from suntrust mortgage bank .My loan number is XXXX. I was having financial hardship I approached the bank they offered me a loan modification ( document attached ) I was making my monthly modification payment for over a year. The loan was sold to another bank, suntrust mortgage bank told me my modification was forwarded to the new bank, for over 7 years the servicing of my loan had pass through multiple servicing companies and investors all of them refusing to honor the loan modification that i was approved for, everybody seem to blame suntrust for incompetent .it has been a nightmare for me and my family spending all of our saving on legal bill trying to stop XXXX XXXX- current servicing bank from foreclosed on our property Also there was a period nobody was servicing our loan means nobody to talk to. 
XXXX loan number XXXX attached my modification document plus some payment history please help us
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (AZ)

This creditor is and has been reporting an account to my credit report that does not belong to me. 
I have never opened an account with that agency and I have not received documentation confirming I signed and acknowledged ownership.
Consumer complaint received 2018-05-15
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)

Several accounts listed on my report that were not mine. Several dilequencies also reported that were not mine. Personal/private information has been compromised. Contacted Bureaus letting them know of fraudulent activity over 1 year ago when it was detected XX/XX/2016. Several accounts have still not been resolved. Still affecting my credit score/report.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AR)

This account was closed by myself voluntarily. I no longer wanted to do to business with this company and closed the account voluntarily. My report shows that it was closed by the company and it is reporting negatively on my reports. This has became a big issue in obtaining credit. Please remove his account from my report
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

I sent by certified mail a letter to the company XXXX XXXX XXXX, asking them to validate the debt in question ( creditor XXXX XXXX XXXX XXXX ), by sending original documentation of contracts with the company that were signed by me for the debt of {$280.00}, as reported on my credit reports, I sent the letter off by certified mail on XX/XX/2018 and they received it on XX/XX/2018, I received a response letter back that was dated XX/XX/2018 without the requested documentation of original contracts or agreements, by me, but instead they sent a copy of a final billing statement, which is not a validation.
Consumer complaint received 2023-03-22
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)

My personal information has been exposed in various data breaches and someone was able to successfully open accounts for goods, services, or money that were unauthorized. None of the information is accurate and should be removed immediately because my reputation with the banking system is being ruined.This is ruining my chances of being approved for a mortgage.
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was in process of completing a loan for the purchase of my first home with XXXX. I went into where I had my current checking account at Bank if America here in XXXX XXXX. When I went to send the wire the banker stated they would not charge me for the wire if I spoke with their mortgage banker to review their offer. I then sat with XXXX XXXX XXXX XXXX. He then described how if I wrote an email to him stating I had a certain rate and points from XXXX he would be able to match that quote. He then proceeded to write the verbiage I needed to say. He told me to copy paste what he wrote and sign it for him. The rate he gave me initially was at a 1 point cost. He said with this letter he could waive that point cost. I later found out that due to the type of loan program and amount I was putting down that Bank of America didnt even truly offer that product for my situation. I felt very uncomfortable, almost like I was committing fraud. I called my mortgage banker and explained how I felt. I realized I wanted to write this report to explain how I felt and did my own research realizing that the process of XXXX writing the letter for me and using an letter to quote match is not actually the correct process to complete a quote match.