davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is in regards to XXXX XXXX  unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XX/XX/XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. XXXX closed the account as of XX/XX/XXXX XX/XX/XXXXout the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by XX/XX/XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (VA)

My Father, XXXX XXXX XXXX, died XX/XX/XXXX. In XX/XX/XXXX my underage son was called five times by Ascension Point debt collection service regarding his estate. Five messages were left then they talked to my clearly minor child and coerced him into giving them my cell phone number. My son is clearly underage and this tactic is abhorrent. 

Furthermore, I am not the personal representative for my father 's will nor am I a beneficiary ( nor is my son ). I called Ascension point on Friday, XX/XX/XXXX, to ask them to cease and desist in calling me or any of my family members. After this call they contacted my sister 's father-in-law. My sister is also not the representative nor a beneficiary of out father 's estate. 

These aggressive tactics for possible fraudulent debt that we are not legally responsible for is unacceptable.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CO)

Im filing a complaint against IC System, XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. Their phone number is XXXX. I moved out of an apartment in XXXX, IN in XX/XX/XXXX with a debt of {$150.00} to XXXX XXXX. IC System purchased the debt and violated the Fair Credit Reporting Act by re-aging the debt. On my credit report, they listed the date opened as XX/XX/XXXX, more than 3 years after the date I moved out.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to correct my personal information. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX., XXXX, FL XXXX. All other address which is an invalid address that needs to be remove immediately from my credit file. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY from my credit file-they are not accurate. All other address needs to be remove immediately from my credit file. All other name need to be remove from my credit file.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I saw Citi offering a bonus of {$400.00} for opening a savings account and depositing {$15000.00} for a minimum of 90 days. I created the account on XX/XX/XXXX, and deposited {$15000.00} on XX/XX/XXXX into the savings account. On XX/XX/XXXX, I received an email stating that I had earned the {$400.00} and it would be deposited within 30 days. On XX/XX/XXXX I still had not received the {$400.00} and called customer service. They indicated they would look into the matter and get back to me, but with no resolution. I called again on XX/XX/XXXX to inquire and they indicated they would resolve the issue in 5 business days. On XX/XX/XXXX, I received a letter from Citi stating that they had investigated my case and that I was not eligible for the {$400.00} because the checking account had been closed, whereas the terms state the account must be in good standing. I thought the promotion was for a savings account and didn't realize the checking account had anything to do with this. The savings account was still open and in good standing with the required balance, and I had take no action to close the checking account. I called Citi customer service on XX/XX/XXXX to ask about this. They confirmed that I would not receive the bonus because the checking account had closed because of a XXXX  balance. 

This seems unethical because there is nothing in the main terms of the promotion that there must be activity in the checking account, only that there must be a minimum balance. I see that in the fine print of the promotion, it states that if you happen to deposit the full amount in one account but not the other, they will close the account and void the promotion. If I had simply moved a small amount to the checking account, I would have received the bonus. This does not seem fair, especially since they sent me an email on XX/XX/XXXX confirming that I would be receiving the bonus, even after the checking account had been automatically closed without any notice to me. This fine print term is clearly a misleading advertising tactic to XXXX their customers and does not seem like a fair term to include.
Consumer complaint received 2019-01-16
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

When I took out the reverse Mortgage, I did not qualify for tax exemption so I paid property tax. Then I was granted tax exempt status, however the mortgage company continued to pay the tax. They said I owed $ XXXX, I did not have the money so they started threatening me with foreclosure. I made a payment plan and paid the amount down to $ XXXX, however mortgage was sold to XXXX XXXX. I tried to make a payment plan, however I was told my income did not qualify, so they began constantly calling and threatening foreclosure. I filed a complaint, then I was told due to my age I could have my physician complete a form explaining my XXXX, because I survive on Social Security. Form was completed and submitted in XX/XX/XXXX ; I was told it was approved for 1 year, however I recently began receiving letters and an individual arriving at my home requesting my proof of my identification, which I provided. On, XX/XX/XXXX, I received a call from a representative from Champion Mortgage once again stating she was going to foreclose on my home. I am XXXX years old, XXXX XXXX XXXX XXXX XXXX   due to XXXX, and fighting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I under went treatment for XXXX XXXX and my age alone makes things difficult for me. This is my only home, yet once they offered me $ XXXX to relinquish it to them so they don't foreclose on me. I have told them my income has not changed enough for me to qualify for a loan or repay the reverse mortgage. It seems as if they are going to harass me until I have a XXXX or XXXX XXXX, so they can get the home. I can make a {$25.00} a month payment if that is what they want, however they said I did not qualify for a payment plan. I sent a certified letter asking them do I need to have my physician complete another form, if so, advise me of that rather than constantly threatening to foreclose on my only residence. The representatives seem to past my file around seeing who can force me to pay money I simply don't have.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

Credit card never sent the bill and now it has been 60 days. My credit score has dropped by 90 points. This is for My Best Buy Visa Card. Account number. I just found this out today XX/XX/2020. On XX/XX/2020 i used The credit card to buy an item for {$11.00}. On XX/XX/2020 i was charged XXXX in interest. On XX/XX/2020 i was charged XXXX dollar in interest. On XX/XX/2020 i found out that my credit score had dropped by 90 points! I found out That this was due to the fact that i was never billed.
Consumer complaint received 2019-09-10
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. (GA)

Transunion recently removed XXXX XXXX XXXX from my credit report due to this account being over 7 years old and closed. XXXX XXXX purchased this account from XXXX XXXX XXXX and the pay history is the same. There has not been a payment on this account ever and it has the same payment history and should be removed also due to the account being older than 7 years with out a payment. Please investigate this account and remove and delete this account from my credit report immediately Also I have never been employed by XXXX  XXXX this should be removed and deleted my current employer is XXXX XXXX XXXX XXXX XXXX There are also addresses that should be removed and deleted that do not belong to me XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please investigate, remove and delete all of this information as it is not accurate
Consumer complaint received 2019-01-16
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: Experian Information Solutions Inc. (PA)

Greetings I have initiated a dispute with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove. 

Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 1 )  XXXX  - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX/XXXX XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX - Date Filed : XX/XX/XXXX 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-09-10
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. (UT)

XXXX XXXX # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.
Consumer complaint received 2020-11-06
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: CREDIT ACCEPTANCE CORPORATION (CA)

In 2015 I was approved for a car loan ; Credit acceptance the loaner. 
The car was a lemon and after two year of financial hardship, called the company to turn the car in and have no more payments. 
Owed on the loan {$2000.00} which I could not pay because of loss of job. 
Last payment made XX/XX/15 of {$220.00} The company is still reporting me thirty days late and now owing {$8700.00} Please help me, its ruined me.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2022-07-08
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: ENCORE CAPITAL GROUP INC. (HI)

A fraudulent account ( XXXX XXXX XXXX ) was opened in my name sometime in XX/XX/XXXX. The card was charged off and went to a collection agency known as Midland Credit Company. The amount charged off was about {$620.00}. I filed a dispute directly with the collection agency, then with the Credit Bureaus ( all three of them too ), and also filed a Police Report for Fraud / Identity Theft. I sent the police report along with my dispute letter to the credit bureaus directly in XX/XX/XXXX. The credit bureaus have still failed to investigate anything and claims that this is still my account after sending them the police report. I want this off my credit reports as I am trying to align my credit up to apply for a mortgage.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CO)

Re : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 : Using my XXXX XXXX XXXX XXXX XXXX through Venmo, I sent {$500.00} @ XXXX as a deposit against an enclosed trailer - see post at... 

https : XXXXXXXX XXXX  XXXX XX/XX/2023 : XXXX XXXX modified the trailer and raised the price by {$400.00} XXXX XX/XX/2023 : Due to the change of terms and pricing, I cancelled the order and asked that the deposit be returned. 

To this date XXXX XXXX has not responded to any correspondence through his active post or through the Venmo application. My deposit was never returned and the trailer transaction did not proceed. I have not received any goods, services, or my drposit. 

I communicated with Venmo for return of the deposit and also communicated with XXXX XXXX XXXX XXXX to dispute the payment through my Debit card. Both institutions provided no relief, and their responses are attached. 

Please advise. Respectfully, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

XX/XX/XXXX i had a total of XXXX checks all of which were {$500.00}. 
{$1500.00} total, i filled them out wrong and pnc returned them back. The day that the atm rejected it i fixed my address it was wrong because i had moved just XXXX month ago. 

They said that it takes only XXXX business days to change the address, and that was about a week and a half ago, I called today ( XXXX ) and they said that XXXX days later it was sent to the wrong address. I even asked several times to get the money back in any other way and they never helped me
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (IL)

I have this huge student loan debt for a degree I never could get a job in. I received the loan from XXXX XXXX we were informed we may get hired at the site we did our hours at. I did not get hired but I never could get a job because I did not have any experience. So now I have this huge debit for a degree I can not use. Or half the credits is not accept at our school
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables is reporting an erroneous debt on my credit file that i do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this dent and it needs to be removed from my credit file.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (PA)

On XX/XX/2019 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a new car of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was scammed into wiring money on two different occasions in XX/XX/2022 to a bank account under the name XXXX XXXX XXXX acct # XXXXBank of America XXXX routing # XXXX. First transfer {$2000.00} and second {$6000.00}. I have called their fraud department who saw each transaction and was unable to assist in returning money. Told me I had to get a lawyer and subpoena the account. I have tried with my bank XXXX XXXX unsuccessfully. I need assistance is getting my money back. I have been drained mentally thinking about thi scammer who scammed me out of a lot of money.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited XXXX dollars into atm in XXXX XXXX at bank of america on XXXX. I inserted cash into atm and it started counting money and then computer screen froze and shot out my card and didn't get a receipt or anything .so I went into bank and told the manager and they said you aren't going to like my answer but I have to call claims .so I did and they said it can take up to 45 days to receive my money .it was cash it should be available right away .my bills are going to cause my account to be overdrawn and they don't seem to be caring
Consumer complaint received 2022-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Ive paid my Navient loans for approx 20 years with no delinquency. I was informed my email and on FSA site that all loans were in forbearance until XX/XX/2022. 
I was noticed by XXXX credit secure that my credit was showing delinquency. Upon investigation Navient submitted a delinquency to XXXX an XXXX without notifying me. This occurred on XX/XX/2022. 
According to The Fair Credit Reporting Act, I feel my rights have been violated.
Consumer complaint received 2019-01-16
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: FIRST HAWAIIAN, INC. (CA)

On XX/XX/2018 i submitted a dispute to XXXX  for First Hawaiian Bank in which i have no idea where this account originated from. I also mailed First hawaiian on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.
Consumer complaint received 2019-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Financial Services.  I requested a validation on XX/XX/XXXX as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the accounts are still reflecting on my report and I do not believe the accounts belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

Applied for a mortgage though amerisave. Was preapproved {$250000.00}. Property we purchased was XXXX. Got a week from close was denied with no further explination. Amerisave has a XXXX closing garrentee refund. Applied for that refund. Days later I was called with a conditional approval requiring me to bring an additional {$25000.00} to close. Talked to everyone from sales rep to management. And was given a work around from the very start. After talking to management they pretty much told me to get a lawer if I wanted the refund that bad. Basically saying to me that do this work around all the time and there is no way ill get that refund. Very Disgusting way of doing buisness.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

XX/XX/XXXX applied with mortgage company prior to transfer of servicer on XXXXfor a loan modification, i was given a forbearance with XXXX then loan transferred tp. they stop payments on XX/XX/XXXX last payment was XX/XX/XXXX. i am in foreclosure no sale date. I would like to keep my home since XXXX.nthis loan has been transferred five times.