davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

XX/XX/2022 XXXX of XXXX of my federal student loans with Fedloans were forgiven pursuant to the Public Service Loan Forgiveness ( PSLF ) waiver. I am grateful for this forgiveness however, after numerous phone calls with Fedloan representatives, I learned that Fedloans was not providing accurate information to borrowers about consolidation of Direct Loans. They had advised me to consolidate my Direct Loans and the whole amount will be forgiving. I consolidated my loans with XXXX and while it was in process, Fedloans sent me a letter saying only two loans were forgiving in the amount of XXXX. I currently have a XXXX balance remaining on my federal Direct Loan balance which was transferred to XXXX. If Fedloans had given the accurate information about consolidation at the time I sent my PSLF application, then my entire Direct Loan balance would have been forgiven at the same time, as the new rule states that consolidation would give the new loan the highest payment count of the underlying consolidated loans. I am request the remaining balance of my loans be forgiving as well since the two loans which were forgiven was part of my consolidation.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

Rented a car in XXXX and paid with Chase Shappire Reserve. Part of the benefits include rental insurance coverage. Had accident that involved damage to the front bumper which the rental company charged to my credit card directly ( XXXX USD ). Submitted claim via Chase 's rental car insurance provider ( XXXX XXXX ) on XX/XX/2022. Since then they have been giving me the run around asking for same documents over and over. I can, talk to someone on their side over the phone. They confirm that they can see the required information and that they will add notes to the account. I have even requested a call from the claims adjuster, which they say they will also add to the notes of the account. Not only I never get a call back but they just reply with a generic template asking for same documents I've already provided over and over.
Consumer complaint received 2020-12-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Account Name XXXX Account Number Debt Buyer Account Type .On XX/XX/2020 this debt was removed from my XXXX  report due to not having sufficient verification of debt. I disputed the debt with Experian and XXXX  in XX/XX/2020 and asked for verification and validation of debt. I havent received anything from the credit bureau or creditor. On XX/XX/XXXX I wrote the creditor and credit bureau requesting proof be sent to me validation and verification nothing was received but the creditor and credit bureau updated this debt on my report with no proof. The date the dispute was submitted was XX/XX/XXXX, dispute updated XX/XX/XXXX and disputed results ready XX/XX/XXXX. It was not processed correctly and they did not require any proof be submitted only went on the creditor words. According to the FCRA that is illegal. Im asking this to be removed from all accounts immediately.
Consumer complaint received 2020-12-15
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OH)

In XX/XX/XXXX I had XXXX as a provider for cable/wifi services for a rental location of XXXX XXXX XXXX, XXXX, MI, XXXX. Account XXXX. XXXX. During my service, I opted for automatic payment from my credit card to ensure that all bills were paid on time. In XX/XX/XXXX, I called and formally terminated my service, as my lease was up at this location. I was told my account was paid in full. My last payment posted on XX/XX/XXXX in the amount of {$49.00}. Because of the partial month, I was issued a credit on XX/XX/XXXX in the amount of {$37.00}. 

On XX/XX/XXXX, I had mail forwarded to me by the US Postal Service, from Diversified Consultants, Inc. who informed me that they have been referred by XXXX for collection of {$37.00} debt. XXXX XXXX XXXX XXXX : XXXX. 

I contacted XXXX for the 3rd time since XX/XX/XXXX and spent and hour on a chat session ( chat ID : XXXX ). I was informed that XXXX would be issuing a credit, so that there would be a {$0.00} balance on my account and that the collection effort would be terminated. 

In so much that I have continually attempted to affect a complete closure of this account, I have no faith that this errant debt collection will be terminated. Both companies need to be punished for their failures to appropriately account for my service.
Consumer complaint received 2018-04-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past XXXX case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. Transunion and XXXX   said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date XXXX file number XXXX plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin XXXX court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the XXXX court does not report to the credit bureaus nor is it mandatory to have a XXXX  listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report immediately.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MT)

I have a credit block on my credit file through all three main credit reporting bureaus. I am trying to apply for a new loan. My credit union is under contract to only use Experian. I recently submitted a complaint against them because I couldn't unlock my credit file. I kept at it persistently and was finally able to get an unlock on my credit file, on XX/XX/XXXX. I placed the lift on the credit block from XX/XX/XXXX to XX/XX/XXXX. My bank could not view my credit report all day Thursday or Friday. Friday I contacted Experian. After waiting on hold for over an hour, I finally spoke to someone. The unidentified male told me to just wait until Monday, he was sure it would lift by then. Unable to get any further information from him, I ended the call. Monday the credit union was still unable to get my credit report. I then called Experian and waited two hours on hold. I finally hung up no able to speak to anyone. I then tried again today, Tuesday to speak to someone and after waiting one and half hours on hold, I hung up again, unable to get anyone to answer the phone. My application had to be completed today due to a deadline. They were unable to complete my application because Experian refused to release my credit report. Though they did manage to charge my credit card to release the credit report, but failed to actually release my report. By the way, that's called fraud. To pay for a service and not receive the service.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

An unauthorized user set up an auto pay using my account information. The amounts were not significant each month and came from a valid vendorXXXX XXXX XXXXXXXX, that I use, which is why it did not catch my attention for 3 years. USAA, my bank will not do anything for the charges older than 60 days. Even though the vendor said they should reverse the charges back to the vendor so they can be placed onto the correct account as a balance due. 

I am out XXXX XXXX dollars and the bank will not do anything to assist me.
Consumer complaint received 2022-07-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-11-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc (VA)

I am a Veteran, I submitted and applied to refinance by streamlining with XXXX. I signed all the negotiation papers and went into the online portal to sign papers required. I also had credit pulled and verification of payment made to my mortgage company by XXXX XXXX in care of XXXX  and others, which was locked. I started this process XXXX 2020. 

Jus before everything was supposed to go through I get a text from XXXX XXXX XXXX asking me to pay {$920.00} to the new mortgage company in order to get financed. 

I responded No deal. My problem is with streaming when did they required any money down or toward financing as a Veteran. I am also curious as to why wait days before processing everything and have me sign and fax so many papers in the contract agreement. 

I submitted my problem back to someone from the XXXX XXXX in hopes that I could get an answer. The reply I received was asking me to work something out as if they wanted more money. I also felt that if I call the original processor he would tell me anything with an attitude as if he did not want my business, because I had a problem like this before and I had to write his supervisor or someone to get his attention. lso who could have told me from the beginning it there was a problem and instead he sent me a text, as an after though for me to pay something in advance on a contract that was agreed to already. 
Not sure why he could not have explain things out front from the beginning any changes that were made regarding Streaming for Veterans. I have been a customer for year and got my family to do business with XXXX as well. 

I also want to know why Commerce Home Mortgage Company underwriting or someone changed and wanted money under streamline after I did all the paperwork. I have included them in my complaint. 


XXXX XXXX XXXX Motto A Veteran-Whether Active Duty, Retired, National Guard or Reserve-Is Someone Who, at one point in their Life, Wrote a Check made payable to " The United States of America '', for the Amount of " Up to and Including My Life ''. 


XXXX Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, United States. 
Phone : XXXX XXXX XXXX XXXX. 

Commerce Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The name of the Company 's Agent is : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX, CA XXXX I feel violated and taken advantage as a XXXX  veteran because my credit was pulled, I gave them access to my information as it was not needed for processing. This was a lawful contract made and then they wanted money to refinance on a streamline. Then to cover it up they made it appear that I decline the offered when I did not want to have to pay anything, so I was told to close it out until I spoke to someone or XXXX XXXX who would explain everything because of the deadline anything not in the original negotiation. I was tricked, he never called to explain anything further.
Consumer complaint received 2024-02-29
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. (CA)

Well I was affected by the Equifax breach I had to fill out the expanded time because I was never notified when I was affected and I'm XXXX so it's hard for me to feel all this stuff out I keep giving them all the information that I feel proper enough from evidence because of their breach I'm still suffering
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are instances of late payments recorded on my account. I am writing to request the removal of these late payments from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Back in XXXX I took a Commercial Loan from Santander Bank for {$35.00} K. In order to receive the proceeds I had to sign an overdraft agreement. I was never told there would be 'fees ' involved that was associated with this. The commercial loan has been totally paid off. However, I kept getting statements not knowing what they were for. Never got a response from Santander after numerous requests. At no time did I ever go beyond the original XXXX XXXX  amount, so there was no need for an overdraft. I've contacted them on numerous occasions ( see attached with dates and the account numbers ). I've indicated to them this is in dispute. Also note... .they were sued by the CFPB for XXXX XXXX  in XXXX for the same reason.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, a mobile deposit was made by me to my XXXX XXXX XXXX checking account for the amount of {$4600.00} On XX/XX/XXXX, XXXX   indicates the same check was 'negotiated ' at Wells Fargo On XX/XX/XXXX, XXXX debited {$4600.00} out of my checking account saying the debit was being made to 'reverse deposit made on XX/XX/XXXX as duplicate item '. 

There was no 'deposit ' made to my checking account on XX/XX/XXXX. 

As such, there is no 'reverse ' deposit to be made. 

Secondly, the original check I deposited through phone was destroyed after the initial deposit was made in XX/XX/XXXX. As such, there is no way a physical check could have been presented to Wells Fargo by another person, almost a year later in XX/XX/XXXX. 

Thirdly, even if the check was presented to Wells Fargo somehow, it is not clear how the check presenter 's ID was verified and confirmed. As I've never attempted to make a duplicate deposit with the same check. Again the original check was destroyed back in XXXX, XXXX. 

The original check was issued by XXXX XXXX XXXX XXXX ( XXXX ). According to their investigation, the duplicate check cam to XXXX via banking channels thru routine clearing. No individual presented the check to them and physical check never got to them. 

XXXX did not honor this check. Per XXXX, on XXXX, when the same check was presented they didn't honor it as it was duplicate. But somehow, the check was 'deposited ' to Wells Fargo account belonging to New Jersey Department of Revenue Services and the fund was withdrawn from my XXXX checking account. 

In summary, somehow a dubious, duplicate transaction was made using the same check ( or image of the check ) I'd deposited in XXXX, XXXX. XXXX   'reversed ' this transaction in XXXX, XXXX without my authorization. It is not clear how the physical check was presented to Wells Fargo as this is not possible. XXXX claims no responsibility. XXXX says they do not know what happened because this is a transaction made between XXXX and Wells Fargo. Meanwhile, the deposit stamp on back of the 'physical check ' indicates this money was deposited to an account held by New Jersey Department of Revenue Service . Lastly, it is not clear image of the check presented the 2nd time is actual copy of the 'physical check ' or mirror image of the picture taken back in XXXX, XXXX. 

XXXX and XXXX are claiming no responsibility for this transaction, even though there is no clarification as to how the duplicate transaction was attempted, to whose account the money was sent to and whether there was any validity to the 'reserve deposit ' transaction claim they've received from Wells Fargo XXXX
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C. 1681 section 602 A. State I have the 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 instruction.
Consumer complaint received 2022-10-20
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received notification on my XXXX  and XXXX that my score decreased due to capital one reporting 2 missed payments for XXXX and XXXX. Due to death in my family ... I missed XXXX. I have since caught up and paid this account in full as of today.
Consumer complaint received 2018-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

When I bought my car in XXXX of 2013 and financed most of the purchase price Wells Fargo Dealer Services I was forced me to buy " Gap Insurance ''. 

The insurance was never fully explained to me, I was not told that the insurance was an option and not required, and the representative at the Dealer told me that if I did not accept the " Gap Insurance '' then they could not finance the purchase of the vehicle. 

Because this was all disclosed at the last minute while signing the purchase/ finance agreement documents I had no choice than to accept the terms.