davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
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. (VA)

I noticed a few months ago that Transunion stopped reporting my oldest trade line ( an  open credit card account with XXXX XXXX XXXX XXXX in Utah ). I called Transunion on or around XX/XX/XXXX and they said that I would need to have XXXX XXXX call them to get the trade line reporting again. I initiated that request with XXXX XXXX on or around XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from XXXX XXXX confirming that they were in contact with Transunion and had submitted a block rescission request on XX/XX/XXXX but it was still in process. 

On XX/XX/XXXX, I received an email from XXXX XXXX at XXXX XXXX stating that Transunion refused to reinstate the trade line since it had not been used in 10 years. XXXX XXXX confirmed that the trade line would continue to report on the other credit bureaus and that they would continue to report the card on their end. The trade line is open and has always been paid as agreed. 

I called Transunion to appeal this determination. I first spoke with " XXXX '' on XX/XX/XXXX, who proceeded to hang up on me when I asked for a supervisor. I then called back and spoke with " XXXX '' who elevated my request to an unnamed supervisor. XXXX told me that Transunion does not remove these trade lines and that there was a special creditor department that XXXX XXXX can call to initiate a block rescission request. I confirmed that we had already tried that process, but XXXX stated that he could not do anything further until XXXX XXXX called back again. 

I then asked the XXXX XXXX Legal Credit Specialist, XXXX XXXX, to call Transunion again. At that time, I decided to file this complaint.
Consumer complaint received 2017-08-24
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. (SC)

Equifax is reporting XXXX unauthorized inquiries on my report.I 've disputed the inquries with Equifax several times, and I called them several times to tell them that letters were mailed to them companies requesting they show me proof that I authorize those inquiries, and it 's been over 45 days and I 've heard nothing from them. Equifax told me I should call the company and have them remove the inquiry. None of them have number listed only addresses. Equifax did not investigate the inquires when I disputed them prior.
Consumer complaint received 2022-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NV)

My loan servicer Aidvantage emailed me on XX/XX/XXXX to inform me that my student loan payments will resume XX/XX/XXXX even though the federal pause on student loan payments does not end until XXXX of XXXX. I tried calling them but I have still not been able to speak to anyone about this.
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

A company, PDM added a collection to my report on XX/XX/XXXX from a bill from XXXX XXXX I am not sure of the original date of service. I want to dispute the reporting to my credit, as this debt has been paid and I was not notified that the account went to collections. I was under the impression that my insurance covered the balance. I never received a phone call or letter from PDM to attempt to be able to resolve the balance with them before they reported to my credit. Please help.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (CA)

I got a debt collection notice claiming it is in regards to an account with Paypal. I've never had a credit account with Paypal. In fact, when I used them as a payment processor for selling used items on XXXX, I caught them stealing my sales before I got a chance to transfer them to my bank account and also stealing directly from my bank account for foreign transactions I never received or transferred as investigated and determined by my bank. Because there was no way to unlink my bank account from Paypal and they refused to return the funds or abide by XXXX or even their own posted Seller Protection Policy, I had to close down both my XXXX store and bank account of 20 years to avoid future theft. This phony debt collection seems to be yet another Paypal scam. Paypal has never issued me a credit card or loan of any kind nor would I ever accept one from a company that stole my hard earned sales of personal property.
Consumer complaint received 2020-02-12
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. (GA)

I pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX ORXXXXXXXXXXX {$60.00}
Consumer complaint received 2020-02-12
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 pulled my credit profile for the first time in 4 years, and I saw several unknown suspicious accounts that are not mine. I have never applied or seen these accounts in my life. Please remove these fraudulent accounts from my report. I need my identity back. I been having to many problems over this situation I am having. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX ORXXXXXXXXXXX {$60.00}
Consumer complaint received 2020-02-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capital One lowered the interest yield on my 360 Savings account to virtually nothing and created a completely different Savings accounts product called " Performance Savings '' with a much better interest rate, for no apparent reason. So I was left with an inferior product, after having the 360 Savings account for several years, until I opened a new Performance Savings account, where I had to set up new overdraft protection, etc. This feels either malicious toward existing customers or ignorant of their product suite on Capital One Bank 's part as there was no reason not to either a ) keep a higher interest rate on my old savings account or b ) upgrade my account to the new product, if they were just going to give the higher rate on new " Performance '' accounts anyway. I'm sure thousands of other customers haven't noticed the drop yet as it was not communicated to me in any obvious way.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (GA)

Best Buy Credit Card through CitiBank credit inquiries won't go away and are excessive in timing. Their cards are paid in full and they won't help in removing hard pulls because they insist they only do soft pulls. This is damaging my Equifax Report. Please help with removal. 

CITIBANK NA., BEST B Inquiry :XX/XX/XXXXCITIBANK NA., BEST B Inquiry :XX/XX/XXXX CITIBANK NA., BEST B Inquiry : XX/XX/XXXX
Consumer complaint received 2020-02-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Liberty Mortgage, Inc. (FL)

In 2016 I was applying for a loan in XXXX XXXX Fl I had a very bad experience with XXXX XXXX XXXX He turned me down in the worst way possible like I was a criminal or something. My credit score was a XXXX and I needed to pay off a few credit cards which took me a month so it could show on my next statement. I would stop by periodically just to check on things. The next time he pulled my credit score it was a XXXX and he wanted me at a XXXX. He looked at me and said dont come back Im done with you. Your not going to get there and Im not working with you anymore. I felt crushed discriminated against. Is that some way to talk to a customer? Or was I look at as a customer? I dont think I was a customer but I felt bad like I had done something terrible it wasnt my fault. I just feel like you cant talk to a person like that especially in a professional place like American Liberty.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (WI)

I have submitted 3 online requests to XXXX for my mortgage payoff statement. I submitted requests XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX sent an email the same days confirming the requests were received. As of today XX/XX/XXXX they have not provided me with the pay off statement so I can not refinance my mortgage. Instead they have been sending me refinance emails to refinance thru them. I called their customer service 3 times today. ( XXXX ) XXXX the customer service rep transferred me to a company not associated with them. The company could not help me and said XXXX has been doing this alot. XXXX I call customer service again and was hung up on. XXXX I called again and the customer service rep. XXXX said they would email it to me today. It is now after XXXX and they have not sent the pay off letter. 
I am stuck because i need the letter so I can have my home refinanced thru another lender. 
I need your help. 
XXXX XXXX
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (OH)

I went to KeyBank 's branch to request the closure of my checking account, savings and credit card. I was helped directly at the counter by a teller, he said the accounts were permanently closed, but I didn't get any proof that my accounts with KeyBank were in fact closed. I haven't been given any confirmation or letter, and today, after the facts I still have access to the accounts..
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HOVG, LLC (AL)

On XX/XX/XXXX, Bay Area Credit Service was informed by the attached Dispute Letter that the {$190.00} charge was incorrect and they should not report my account delinquent. They then sold my {$190.00} " collection opportunity '' to XXXX XXXX XXXX XXXX who then reported my account as delinquent in XXXX ( SEVEN YEARS  LATER ). Luckily I kept the original Dispute Letter.
Consumer complaint received 2021-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (NJ)

I purchase a timeshare from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fl. I had a mortgage which was paid off in less than a year. XXXX XXXX has charged me for maintenance fees but refuses to give me the week which they are charging me for. Now they have recruited this crooked company Aspen National Collections is a national debt collection agency with specialized expertise in consumer debt collections for companies involved in timeshare or vacation ownership resorts, educational loans, utility cooperatives and other niches which robs timeshare or vacation resorts owners by adding ridiculous fees to their maintenance fees. I was charged for XXXX fees {$820.00} & {$190.00} for taxes. With the additional fees, this crooked company wants to charge me {$1600.00}. Blocks my usage. 
Both companies teals my weeks which are already paid since XXXX as well as my extra vacations which they sell to companies like XXXX ; XXXX XXXX  and XXXX to name a few. They NEVER have anything available for OWNERS, who are forced to pay maintenance fees unless they book a year in advance thru another company which OWNERS are forced to sign up with or they are unable to use their week. This company now forces owners to pay to extend their week!! Ridiculous. What you think you buy or own is not what you get. The salespersons lies to unsuspecting prospective owners. This is a lucrative business but a night mare for owners!!. COVID-19 FORCES THEM TO SHUT DOWN AND NOT SERVE THE OWNERS BUT THEY DIDN'T SHUT DOWN OR REDUCE THE MAINTENANCE FEES!!! My job was affected, but they didn't want to hear nothing!! 
This should be illegal. These companies should be banned for financially raping consumers especially our millennials. Something must and should be done to stop these crooks!!! We need help!!!
Consumer complaint received 2019-10-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (PA)

I have a higher interest rate on my mortgage that qualified for a VA streamlined reduction. I tried to get it from my current mortgage servicer but they refused. They tried to tell me that no one would give me a lower interest rate than what they were offering. I got 3 offers in the mail that were lower. Freedom mortgage refused to match them. I got a lower offer and started the process. Unfortunately, Freedom mortgage is refusing to send by email my mortgage note in a timely manner to lock in the lower rate that they refused to extend to me. I feel they are deliberately slowing down my request, because they have told me that they could send it tomorrow then said Monday. I requested it initially on Thursday, XX/XX/2019. I should have had it today, XX/XX/XXXX. As I said - they refused to streamline my loan themselves, and now that I have a chance with another company, they are dragging their feet. I went through my paperwork and I do not have a copy of the mortgage note. They never sent me one.
Consumer complaint received 2019-05-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (FL)

I'm filing a complaint against Freedom Mortgage, they made me missed my closing on my house 3 times because of the previous complaint I filed against Freedom Mortgage. 
I ordered a final payout statement from them 3 times and pays {$30.00} three times I called them at least 12 times but still don't have the payout statement. 
Could someone please help me? 
Thanks
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

A Collection Account by XXXX XXXX XXXX, dated XX/XX/XXXX, was placed on my Experian Credit Report. The Original Creditor for this Collection Account is XXXX XXXX XXXX XXXX XXXX . I have no knowledge of doing business with XXXX XXXX XXXX XXXX XXXX, AFTER my Chapter XXXX Bankruptcy filing in XX/XX/XXXX, which is 8 years ago. The Date of First Delinquency, from the ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX XXXX ), must have been RE-AGED in order to place this Collection Account on my Credit Report. RE-AGING the Date of First Delinquency is a serious FCRA offense. The CORRECT Date of First Delinquency from the Original Creditor ( XXXX XXXX XXXX XXXX XXXX ) has to be over 7 years, therefore this Collection Account is TOO OLD to be on my Credit Report ... Reference FCRA Section 623 ( a ) ( 5 ) ( A ). This erroneous Collection Account is currently holding up processing of my Home Refinancing application.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2020, I was notified that American Express decided to close my new account. I do not have many cards, but finally agreed to get a new one based on the offers I received from American Express. I used the card to send myself money via XXXX. This is an activity I do with other cards and it creates no issues. I was told that this violates the Cardmember agreement. This provision is buried in the agreement. I was surprised that I was not notified not to do this again prior to termination. If this is an offense that results in immediate account closing than it should be clearly and conspicuously disclosed to the consumer at the time of account opening. This was not the case in this situation. I think this sort of activity is Unfair and abusive under the CFPB 's operating law. I would like the action to be investigated and it would be helpful if the customer could make its policies regarding electronic payments and banking more obvious.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP (NJ)

By the beginning of XX/XX/2017, I pulled my credit report, immediately I notice suspicious activity on it, there were multiple accounts that did not belong to me, I did my own research and also I filed a Identity theft Police report. 

On XX/XX/2017, I started disputing the incorrect information on my credit report, constantly sending updated documents to the Credit Bureaus. As of today, there is still some wrong information on it. I recently received a collection letter from CAPITAL MANAGEMENT SERVICES , LP trying to settle/collecting on the below account that does not belong to me : XXXX with an alleged account # : ending in XXXX, an alleged balance of {$3100.00}.
Consumer complaint received 2019-08-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I reported frauduntly charged transactions on credit cards with USAA. It seems that USAA is not handling the claims properly for reasons ; 1 ) Never kept me updated on the claims 2 ) Not investigating all reported claims or does not pay attention to filed claims to identify every claim correctly.
Consumer complaint received 2019-05-10
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. (MN)

I have requested information in regards to this fraudulent account inwhich I'm disputing and demanding that this account is blocked from my credit data file. The account is XXXX XXXX. I have requested the Method of Verification and certified documentation, signed contract, etc, and an electronic Verification can not be accepted as proof. So in accordance with the FCRA laws, either provide the above information or block the account immediately and permanently.
Consumer complaint received 2019-05-10
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. (LA)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX   partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I wrote and mailed Transunion to initiate a dispute with Transunion because they are publishing information in my consumer file which are transactions that were originated from my credit card. According to the Fair Credit Reporting Act, these transactions are supposed to be excluded. I hand wrote these letters and sent them certified mail with proof of delivery and have attached them to this complaint. Today, XX/XX/XXXX, I received a communication in the mail from Transunion alleging that I did not sent this dispute. This communication from Transunion is not in accordance with the Fair Credit Reporting Act. This response is offensive and absolutely unacceptable. Transunions response has no legal merit and upon further research is apparently something the credit bureaus to regularly. I have attached a copy of their response as well as my dispute. I have also induced an article from the Consumer Financial Protection Bureau ( YOU ) regarding the bureaus making a common practice of ignoring consumers disputes. My rights have been violated and not Transunion is discriminating against me while continuing to fraudulently publish information which should be excluded from a consumer report. Please do something as this egregious violation of my privacy and rights is impeding me from obtaining housing for my children and I. I did not consult a credit repair company to fix my credit and I swear under penalty of perjury I wrote and mailed those letters. Transunion criminal activity is directly defaming my character, engaging in fraud, and desriminating against me for asserting my rights. The Consumer Financial Protection Bureau is supposed to protect me, so do your job and help me.