davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2019 I paid the remaining balance of my XXXX XXXX XXXX credit ending in ... XXXX. Balance showed {$0.00} so I called XXXX XXXX XXXX and closed my credit card. They have confirmed it closed on XX/XX/2019. I had since cut the cards as the account was closed. 

Today I checked my credit score and saw there have been lates of 30, 60, 90, 120 days  from this credit card. It shows a balance of {$37.00}. XXXX XXXX XXXX  charged me without my knowledge interest on the credit card on XX/XX/2019 after the credit card was closed and did not notify me. 

I spoke to a XXXX XXXX XXXX representative at my local branch and he said XXXX XXXX XXXX should not have charged the interest after a credit card has been closed. I also called their credit card department and they verified the interest was charged after closing and no such contact was attempted to notify me. 

Thank you. Please let me know.
Consumer complaint received 2019-10-02
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. (OH)

on XXXX XXXX, 2018, an inquiry showed up on my credit report. I never authorized nor lifted the freeze off my credit report for this inquiry. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DC)

Initially on XX/XX/XXXX sent documentation to company for modification of my loan all documents requested were sent how ever there was always something more requested each time i would get another person on the phone who would tell me different things every time a document was sent that was requested i was told that it took at least 5 days to verify receipt.on XX/XX/XXXX the modification processed was closed to me for not having certain documents sent eventually spoke with a supervisor who show there error and the remod was reopened on or about XX/XX/XXXX .this same situation continued to occur it seem as though a systematic way to deny me access to even be reviewed for a modification because even this time it never went to under writing for a decision to be made.I have had to file Bankruptcy just to keep my home and this lender has refused my rights to be considered a modification please help.
Consumer complaint received 2019-04-02
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. (OR)

XXXX XXXX  XXXX is reporting a late on my account. I have never been late on this account. At this time my account was in deferment. I did not realize this late was on my credit until I checked my credit file. This late on XX/XX/2016 is inaccurate and needs to be removed.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing this due to non-compliance with XXXX, XXXX  & Transunion. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

Timeline : XX/XX/19 payment of {$160.00} made in by mistake to an old XXXX card XX/XX/19 Three way call made to XXXX, spoke with XXXX, who advised to fax tracking details to XXXX. Advised to allow 7 to 10 days. Fax sent requesting refund. 

XX/XX/19 Three way call made to XXXX, spoke with Manager XXXX, who advised all payment research for close XXXX account goes through Citibank and to call XXXX XX/XX/19 Called Citibank at XXXX, spoke to XXXX who confirmed Citibank does handle payment research for closed XXXX accounts, and requesting proof tracking details are faxed to XXXX ATTN : IRU payment investigations. Fax sent. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, who could not confirm if documents were received although confirmed they were faxed to the right fax #. XXXX will escalate to management and asked to allow 7 to 10 days. 

XX/XX/19 Called Citibank IRU again, spoke with XXXX, whose management refused to take the call after multiple attempts. Faxed payment tracking details again.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have a very high interest Capital One Card that also charges a membership fee. A few times I've tried to get the interest rate lowered and membership fee dropped ( my credit score is usually in the high 600 's - 700 range ), but was was told I'd have to apply for another Capital One card to receive more favorable terms. 

So, finally about a month or so back I decided to apply for another Capital One card that had 0 % XXXXnterest for a year and no membership fee, and I was approved. 

A bit after receiving the new card in the mail, I called Capital One to activate the card. At that time I told the Capital One Rep that I had gotten this card for the sole purpose of transferring the balance from the high interest Capital One Quicksilver card to the new 0 % interest Capital One Savor card. The Rep said she could take care of that, and would you like to do that today? I said no, that I had to get back to work, but I'd call back soon to take care of it. 

Yesterday on XX/XX/2019, I called Capital One to do just that, but this Rep told me I couldn't and that I was given the wrong information from the previous Rep. I said, something needed to be done since I was given false information. And to add insult to injury, I used the higher rate card on an expensive car repair and other purchases and would have used the Capital Savor Card with 0 % interest had I know this information. I was then told that nothing could be done, but that my interest rate on the Capital One Quicksilver card could be lowered from 21.5 % to 17.15 % LOL ( I just looked on the Capital One ap today and it's still at 21.5 % btw ). 

1. The way that Capital One operates, by forcing a consumer to apply for an additional card to receive a lower interest rate and no membership fee is predatory and penalizes the borrower by lowering their credit score and forcing them to increase their amount of available credit. 

2. To make matters worse, the company does not honor promises made by their own employees, which takes their predatory nature to an even higher level.
Consumer complaint received 2023-04-05
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. (PA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendrick Capital Partners Holding, LLC (NY)

On XX/XX/2019 I got a phone call from a debt collection company called affiliate solutions past XXXX and told them to never contact me again. They said they will continue to make an attempt to try and collect on a debt that I know nothing about.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a check from an individual and that check was drawn against a bank of america checking account. There was uncertainty if the funds would be available to cover the check, so instead of depositing at my bank and risking a NSF draft fee I took the check to bank of america. Being it was there check it was my belief they would honor their own check and cash the check being drawn on their account. Bank of america charges {$8.00} fee to cash a personal check drawn on an account at their bank. As a federally insured financial institution it they should not be allowed to charge for cashing personal checks drawn on account at their bank. The only way to avoid the fee is open an account with bank of america which requires agreeing to a credit check.
Consumer complaint received 2019-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

On XX/XX/2019 I went to the emergency room of XXXX Hospital  in XXXX, Ohio. Soon after that visit, I received an invoice for approximately {$600.00} for the emergency room fee, which was paid immediately. On XX/XX/2019 I received an invoice in the amount of {$240.00} from XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. ( XXXX ). The invoice had written on it " Final Notice. '' This was the very first invoice I received for this amount and the invoice did not reference what it was for, just said services at The XXXX Hospital. I called that company and asked them why their invoice says Final Notice when I hadn't received a first notice. They offered no explanation and asked if I wanted to pay the bill over the phone. I said " no, I need to investigate this charge. '' I then called XXXX Hospital and found out they use this billing company and the charge was for the doctor 's fee. On XX/XX/XXXX I sent this company {$100.00} toward the {$240.00}, as I wasn't even sure if it had been submitted to my insurance. Then, on XX/XX/19 I receive a call on my cell phone from HRRG ( whom I had never heard of ) and they asked for my date of birth, which I refused to give as I work for a XXXX  and am familiar with fraud. After arriving home on XXXX I see a letter from HRRG which indicated they were a debt collector and telling me I needed to pay {$240.00}. I then called HRRG and tried to explain the above events and they refused to acknowledge anything. They had no record of the {$100.00} payment I made, but I then paid the remaining {$140.00}. The person on the phone asked me to give her my address. I told her that the address on the letter they sent was my address and why did she need me to give it to her. The whole thing was a horrible experience and they used scare tactics to get paid.
Consumer complaint received 2019-05-02
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: Experian Information Solutions Inc. (TX)

Someone has opened up an account in my name with XXXX. I have continuously disputed this account and have spoken with several reps at XXXX. I was told by the XXXX reps to dispute the account with the collection bureaus, I have done everything asked of me, however they have done nothing to resolve this issue. I have sent in a Police Report and an FTC report and still nothing has changed.
Consumer complaint received 2019-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.
Consumer complaint received 2019-09-24
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: Clarity Services (TX)

Company rep led me through three days of time consuming and costly sensitive financial information gathering without ever furnishing me with the cost of the loan up front and when I was notified I was approved at twice the CAB fee of loan plus interest, I declined the loan and they made threatening and derogatory remarks against my character and stated I was denied credit because of several inquiries made on my credit report. I feel I was discriminated against and humiliated for trying to obtain a loan.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

Im contacting you regarding a request I made to Specialized Loan Service SLS to have my private mortgage insurance removed. I purchased this property at XXXX XXXX XXXX in XX/XX/XXXX and with the intention of remodeling the entire first floor, adding windows and access doors and a deck. Once I was finished in XX/XX/XXXX, I had two professional real estate brokers, familiar with the market, estimate the market value of my home. Knowing that my house value now would be under the requirement for PMI, I requested in XX/XX/XXXX for the PMI to be removed by specialized loan service. After months of frustration with SLS nonresponse and non-timelessness, I filed a complaint with CFPB. Finally, in XX/XX/XXXX XXXX company contacted me to do a BPO. I indicated to the XXXX employee that I had over {$50000.00} in receipt for the remodeling of my home. The XXXX employee did not want the receipt and I gave him a copy of the summary and cost of the remodel. He came into my house with his cell phone snapped a few photos and was gone. He did not measure anything and was only there for a very short period. In XX/XX/XXXX I received a notice stating the BPO did not show the property was under the PMI requirement and the PMI would not be removed. Shortly later I received a copy of XXXX very poor assessment of my property and a very poor comparison to other properties in XXXX. There were numerous mistakes and even had the garage as a detached garage. XXXX report almost seem that some information was carried over from another assessment. Other similar properties nearer to my address and even on my street, were not used as a comparison. XXXX assessment only raised my value of my home by {$4000.00} which is unacceptable. 
Since I was tired of dealing with SLS, getting a run around, who does not have a good reputation, has numerous complaint against you and not wanting to continue to pay PMI on a property that the value of the home would not require it, I decided to switch mortgage companies. There was an appraisal conducted on my home in XX/XX/XXXX and the appraisal came in at {$360000.00}. This is a difference of {$51000.00} more than your final assessment. XXXX BPO was not even close to the value of what my home is. The original appraisal on my home when I purchased it in XX/XX/XXXX was {$310000.00} and yours was {$310000.00}. The market in XXXX is extremely stable and over {$50000.00} of remodel and upgrades was added this home, which would indicate the value should have raised way more than {$4000.00}. 
I must question the relationship with SLS and XXXX company. I must question how someone can be so far off. I must question the mistakes that were made by XXXX company. XXXX company provided a service that was not even close to being accurate. Since SLS charged me for XXXX service that was not even close to be an accurate assessment of the value of my home, Im requesting to be refunded this amount.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (MA)

I had received a letter in the mail from US Bank.The letter stated that an application for a credit card using my personal information was received on XX/XX/19.The address on the application was NOT the correct mailing address that I currently use.I tried using the verification number to call and find out what was going on and after being on held for fifteen minutes gave up.I filed a report with my local police department but also want to file a complaint with the proper governmental agency that handles such complaints
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I paid the remaining balance of my Bank of America credit ending in ... XXXX. Balance showed {$0.00} so I called B of A and closed my credit card. They have confirmed it closed on XX/XX/2019. I had since cut the cards as the account was closed. 

Today I checked my credit score and saw there have been lates of 30, 60, 90, 120 days from this credit card. It shows a balance of {$37.00}. B of A charged me without my knowledge interest on the credit card on XX/XX/2019 after the credit card was closed and did not notify me. 

I spoke to a B of A representative at my local branch and he said B of A should not have charged the interest after a credit card has been closed. I also called their credit card department and they verified the interest was charged after closing and no such contact was attempted to notify me. 

Thank you. Please let me know.
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MA)

I XXXX XXXX am trying to resolve a debt situation, whereas I made the mistake of signing on for several cell phones where relatives were supposed to pay the invoices. However, they reneged to pay directly to XXXX XXXX XXXX XXXX, or even pay me directly. I attach a settlement offer from IC System for 55 % on the dollar. That is generous, but not affordable. I am really pressed for any cash, and I respectfully request a lighter settlement in the vicinity of 20 %, or {$500.00} one time payment. I will need to borrow some of these funds, but I desire to put this experience behind me. Thank you for your consideration in this matter. XXXX XXXX
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage was transferred from XXXX to XXXX/LoanCare, LLC on XX/XX/2019. And when I started making payments to LoanCare, they been mis-handling my payment of $ XXXX/month.

Up-to-today they haven't fix the problem, despite my numerous phone calls and correspondence. They keep saying that I'm short on my payments when in fact I been sending those payments before the first of the month. 
They keep on failing to make the promised corrections when I talked to their representatives. 
I hope that your office would be able to assist me in this regards. 

Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

I noticed my credit score had dropped over 120points at the end of XX/XX/2019 so I did some further research to determine why. 
Citi/Costco credit card company automatically applied a XXXX dollar charge for membership renewal in XX/XX/2019. 
The issue is, the credit card charged was never activated by me and no bills of any kind were sent to me, e-mail, letter or otherwise. So XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no communications of any sort were sent to me, all the while accumulating penalty 's and interest. 
I called Citi and they told me XXXX had to take care of the situation, so back and forth we went. Citi said they would credit one months interest back as I refused to accept their version. Citi  eventually refunded all monies due and I closed the account and requested all information supplied to the credit agency 's be rescinded. 
As of this date no such action has been taken.
Consumer complaint received 2022-02-02
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. (MS)

I SENT TRANSUNION CERTIFIED LETTER ON THE XX/XX/XXXX ABOUT UNKNOWN INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL TRANSUNION ABOUT THESE INQUIRIES, WHEN I CALL THEM ABOUT THIS PROBLEM, THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEED TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. 
XXXX XXXX XX/XX/XXXX Date of the Inquiry XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, FL XXXX