davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I Have Multiple Unauthorized Inquiries On Credit Report That I Need Removed. 
XXXX XXXX XXXX  XXXX XXXX XXXX, 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 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-06-03
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. (GA)

I submitted a dispute and affidavits, I got a response accusing me of using a credit repair company. I am very offended because, I feel as if I am being accused of being incapable of disputing information on my credit report on my own. I've educated myself and I see how you guys are in violation with credit reporting and I dont appreciate the hardship these inaccurate reportings have caused me. I demand these FRAUDULENT accounts be removed within 30 days. I also demand a response from the bureaus in 10 days. If I dont get a response in a timely manner, I will be filing a complaint with the office of the Attorney General. This is Very insulting and it seems to be a stall tactic to delay this FRAUDULENT info from being removed from my credit. I understand the benefits of bureaus reporting inaccurate info because that means more revenue for the bureaus. You guys have abused me long enough. I DEMAND THESE ITEMS BE REMOVED.
Consumer complaint received 2019-08-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MN)

I am currently in the Public Service Loan Forgiveness Program ( PSLF ). I learned after initially submitting my employment certification form that the numbers of qualifying payments varied drastically between my loans, despite the fact that I have always paid all of the loans together. I initially brought up this issue more than 3 years ago and there still has been no resolution. 

When I first discovered the problem I called and was told to submit some sort of appeal which I was told takes 6 months because it has to go to the Department of Education. After longer than 6 months I received the results stating my qualifying payment totals remained the same. I called again and was told this time that maybe the problem was that my loans were on something called " paid ahead status. '' They said they would take off this status and then I would have to resubmit. Again after longer than 6 months after submitting again the qualifying payment totals were incorrect. 

I called again ( XX/XX/XXXX ). I talked to one employee who initially said the review was done incorrectly. I then asked to talk to their supervisor due to it having been years since I started this process. I then talked to XXXX ( employee ID : XXXX ) who said that he manually checked some of my loans and agreed the payment counts were incorrect. He said the old tracking system had problems and had been updated and he would try to escalate the case for higher priority review. 

I still have not had resolution of this problem or heard back about a third review. I have three supporting documents attached : 1. List of qualifying payment totals for each of my loans as of XX/XX/XXXX. ( This is when I had employment certified up to XX/XX/XXXX. I have since certified up to XX/XX/XXXX and of course made more payments. However this illustrates the main problem of the variable total of qualifying payments : totals vary from 9 to 45. As you can see below the total should be 49 for all loans as of the time of this letter ) 2. History of payments  under XXXX ( this totals 36 payments ) 3. History of payments under Fedloan ( 13 done prior to XX/XX/XXXX )
Consumer complaint received 2021-12-03
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. (TX)

I have tried contacting XXXX XXXX but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.
Consumer complaint received 2021-06-25
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: JPMORGAN CHASE & CO. (MO)

In reference to complaint # XXXX Chase credit card that was stolen on XX/XX/XXXX - used at XXXX not by me on XXXX XXXX in XXXX MO by to 2 young males that police have on a video - I have a police report. 

Chase Credit Card XXXX XXXX XXXX XXXX For amount of {$500.00} Received letter from Credit Card company stating I had the card in my possession and would not reverse credit card purchase. They are stealing my money the clerk at the store should have asked for ID - XXXX XXXX XXXX
Consumer complaint received 2021-06-25
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: Upgrade, Inc. (MS)

The company is Upgrade and they made a hard inquiry on my credit report and I was alerted that it was made. This was not authorized and I did not apply. I tried calling this Upgrade company only to be put on hold for 62 minutes with a recording being played constantly saying someone would be with me shortly. I have frozen all three creditors ( XXXX, XXXX, and XXXX  ). 

The email I received was sent at XXXX XXXX  CST and it was for a Personal Credit Line. It was supposedly issued be XXXX XXXX XXXX, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card was issued by XXXX XXXX, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 

I also file a complaint with the Internet Crime Complaint Center but I want whoever is doing this stopped and this inquiry removed from my report. I don't want this to happen to anyone else. I have worked hard to increase my credit score and this has thrown me for a loop.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The late payments reflected on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX are incorrect, not late on the month shown on the credit report, re investigate it and fix the accounts on my credit report
Consumer complaint received 2019-08-27
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. (CA)

Dates will be a problem but until I was able check the box allowing the lender to access my income tax info I had many problems getting my new deferral or income based repayment. Any forms or pay stubs were submitted at least 3 times with associated heated exchanges by phone. I started calling Sallie Mae my loan shark and telling friends they would send goons to break my knee caps as a way to deal with the annual and prolonged stress. I dont like to be forced to let a faceless company have access to my private info but the stress was giving me XXXX. So I will persist allowing this invasion of my privacy as the lesser of 2 evils. Sallie Mae was evil and so is Navient.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I wrote a dispute letter last month on XXXX XXXX and did not get a response.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score.
Consumer complaint received 2021-06-25
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. (IL)

I have send left to transunion llc XXXX XXXX XXXX XXXX PA XXXX asking where did they obtain information on my credit report of a bankruptcy. The letter that was sent to me stated verified as accurate. They have not advised me of who or how they obtained that info.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

After already paying off the debt through XXXX XXXX over a year and half ago it was removed from my credit immediately and now we went to check my credit again today and it popped back up on there in the amount of {$1400.00} and when I reached out to XXXX XXXX XXXX  they can not provide me with any information of phone calls, written notice, any account info. I provided that they give me all my info before going any further, spoke with my bank and they also do not understand why it popped back up on my credit when it has been paid for and already taken off my credit report once before. I am furious because this dropped my credit score of 43 points for no reason, they have no sent me any notice to dispute, no phone calls, no mailed forms etc. they have no info stored in their system that I owe this. Its very frustrating due to the fact I was suppose to be getting my loan for my house today and this stopped me because they have falsified information and have no proof of the debt still being owed. It was paid for once in the amount of {$840.00} and taken off my credit and now they jacked it up to {$1400.00} and no explanation of why or how it happened. Theyre clueless and if this isnt taken care of Im reporting to the XXXX and getting a attorney involved. 

XXXX
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (UT)

On XX/XX/XXXX I was informed that all my Citi cards had been closed for some mysterious reason. Called and spoke with several representatives, none could give me any information other than to write to the Executive Response Unit. I did, they haven't responded a full month later. In the mean while they stole {$810.00} of my cashback ( the majority of which I was awarded back in XX/XX/XXXX and hadn't cashed out yet ) from my Double Cash card. 

This card earned 2 % cashback in the following manner : 1 % cashback for purchases, and the other 1 % cashback when those purchases were paid in full. Conveniently they aren't giving me access to my statements which shows the cashback amount. I have a statement for the status of the account as of XX/XX/XXXX showing I have a cashback reward balance of {$620.00}, and a charge for {$9000.00} for that cycle ( the {$620.00} amount includes the 1 % cashback for the XXXX charge ). Since I have no late or missed payments on any account on my credit reports- it means I have paid that balance off in full, and it also means that I would have received another 1 % cashback for that payment giving me a cashback balance of {$710.00} ( XXXX + XXXX cashback for paying the balance off ). 

Then in XX/XX/XXXX I made a charge for {$9500.00} which would have earned me {$95.00} ( 1  % cashback for the purchase ), leaving my cashback reward balance at {$810.00} ( XXXX + XXXX ). This is the amount they stole from me- I want a check sent to me for the amount of {$810.00}.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (NJ)

ive reprted multple times on my report that this account was open in fraud the company is eqafax wich the bank is XXXX XXXX XXXX its a buisness account that was put in my name the bank will not give the original cobtact because they cant prove it was me so XXXX buisness has removed it aswell XXXXXXXX XXXX XXXX XXXX .but eqafax and XXXX  XXXX XXXX wont adhere to my demands wiyh the proof of afidavid im demanding XXXX XXXX XXXX and eqifax to remaoe this fruad account off of my report the account is XXXX open on XXXX XXXX
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Complaint # 1 - I attempted ( 8 years ) to resolve the reporting errors on my report with all three ( XXXX, Experian, XXXX ) agencies. Not completed.

Complaint # 2 -I placed a fraud alert, and security freeze on my credit file, which is still accessible, with errors not corrected, and new negative inquiries Complaint # 3 - See attached letter from the IRS regarding my identity and next steps to protect from further damage. I can not obtain credit- period-unsure if credit extended to another?

Complaint # 4 - I request assistance, immediate response with action steps from all three reporting companies per the IRS regulations shown on the attachment.

I will forward the PIN once issued if you require the number for reporting edits. 

Please advise.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MA)

I contacted them and spoke to someone in the lending department. I reported to them not only verbally but also in an email that my first and second mortgage are reporting each twice so it looks like I have four mortgages. I am in the process of refinancing, I have called Navy several times to try and get this resolved and they have not returned my call. I did get one email response stating that this would not affect my credit however the other institution has out my loan on hold until I get this resolved mean while I am probably going to loose the rate I locked into and the money that I paid for an appraisal. NFCU should not be reporting liabilities twice and there should be someone there that should be able to assist me. I asked to speak to someone to file a complaint and then was transferred several times and then ultimately disconnected.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio Recovery, ( Debt Collection Agency ), has been constantly harassing me with numerous calls at various hours of the day/night while not only when Im at home, but even at work where I told them not to call during my work hours! My credit account with Portfolio Recovery, ( Debt Collection Agency ), was disputed with all 3 credit bureaus. After XXXX investigation into the account they deleted their debt collection from my credit account ; however XXXX XXXX XXXX both claim I had disagreed a Correct debt with Portfolio Recovery and refuse to take the collection off my report even when it was proven to be deleted by XXXX investigators/investigation claim/dispute! Through just the week of XXXX Portfolio Recovery has contacted me a number of +9-10 times throughout the week under their number of ( XXXX ) XXXX from XXXX XXXX, SD as well as calling during my work hours when I specifically told their company not to do so. This is in clear violation of the harassment code of the Fair Credit Reporting Act and I would like their collection removed from my account like XXXX team has wonderfully done and want the harassment by their company to end!
Consumer complaint received 2019-08-27
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. (KS)

I have open disputes with Transunion today XX/XX/19 make 30 days and my disputes still havent been resolved.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Pennymac the loan servicer was initially contacted on multiple occasions in regards to hardship on my mortgage as I will be permanently having a loss in come due to my employers commission structure. I spoke to the hardships team which couldn't help me until I fully defaulted on the loan they only option provided was short term forbearance. I was then transferred to the refinance team as an alternative and spoke to XXXX XXXX who provided a deceptive loan estimate with an estimated prop value of XXXX. All he was interested in was a sale and his commission not my hardship. He was asked multiple times how accurate that value was and how that would affect the loan and he assured me it wouldn't have so much an impact if the appraisal came back less.The appraisal came back less and jacked up the loan origination fees and cost of the rate by XXXX ( see pg 2 of support ). XXXX also falsely put a cash out refi on the loan estimate and the purpose of the loan was lower the payment and/or interest rate NOT to take cash out. He offered to give me XXXX cash out without me asking for it. I spoke to his manager XXXX XXXX XXXX on multiple occasions who advised me that the refi was not in my best interest and wanted me to bring XXXX in closing costs to the table which can not afford due to loss of income. I continued to get emails from XXXX XXXX about my refi that was still going through without my consent as nobody would speak to me about the loan as they were proceeding on their own terms. I would just get redirected to XXXX 's voicemail in hopes of a call back. Due to this pennymac has put multiple inquiries on my credit that I would like ALL of them removed, all my calls listened to, and would also like their deceptive sales practices looked into as they do not have the consumers interest at heart especially during times of hardship. LOAN ID XXXX
Consumer complaint received 2018-07-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Siwell Inc (TX)

So i applied for a morgage loan and the loan officer named XXXX was not very good with communication. Ive never met her she did everything through emails. I had to call several times till i finally got to speak with her over the phone. She wouldnt give me details of what was going on with my loan. I didnt know if i appproved or if i didnt and she told me about three different loans sonot sure which one she got me. I repetedly asked her about closing cost and told her i need to know cz i dnt have that kind of money if it was to high. She said it would be about 4500 or less them she drew up a conyract and said i needed XXXX XXXX for closing then it changed on another email said i needed XXXX, XXXX and i told her i didnt have that kind of money but i would try my best to get it and how long i had .she said not till XX/XX/XXXX and i said ok good. I sold everything i had that meant allot to me and i call her three weeks later and she emails me and sais she canceled it but then again never spoke to me about it ever ... im left with nothing ... this was suppose to be a first time good oppurtunity fo my family and a furst time home buyer and i feel like i was treated unfairly and completely cluless to it all of what was going on
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (NV)

I submitted this complaint to update these suspicious information. Credit Bureau must validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-23
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. (FL)

I got a credit report to check my credit and found some inconsistencies on my report in XX/XX/2020. I followed the guidelines giving each credit bureau many opportunities to correct this error and only received 1 notification  back after that no other response was made to me.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (TX)

I have tried to pay off my credit card in full for the balance amount I had left. However, both times the payment was reversed by the credit card lender, BBVA. Subsequently the BBVA dinged my credit score by claiming I had missed a payment. This is despite trying multiple times to pay off my credit card in full.