davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Im a victim of The Transunion hard inquiry scandal. All inquiries were manually removed from my account via financial consultant ( paid service ) then later added a few days later causing my credit score to drop tremendously. Even lower than previously. It was if all the inquiries were all inquired at once. I spoke to a Transunion representative to see if they could clear my inquiries but they claim that I was not effected by their scandal when it was obvious that I was. Transunion has not been any help. The following inquiries were previously removed from my account before re-added by Transunion : XXXX XXXX  Delaware. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 instructions
Consumer complaint received 2021-09-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Please work with XXXX to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. XXXX is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. Trans Union is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX  and the disputed companies that the inquiries would be removed.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

I have made several complaints about this terrible company. It is only a matter of reading all the comments by various customers to see what kind of company we are dealing with. 

Rushmore has a TERRIBLE reputation. You can never talk to a person who at least pretends to be cordial and not rude. For the most part, they are all rude. 

On Friday night at XXXX XXXX some woman XXXX calls me while I am driving. I am neither late nor behind. She is rude and threatens me while I am driving that I am late! That was XX/XX/XXXX! The due date is not until XX/XX/XXXX. Again yesterday, on XX/XX/XXXX which was my B day, I get another call from these horrible people which I actually hung up. 

They have been charging me escrow ; I paid more than XXXX dollars to VA department of taxation but they are also charging me again. I have told them that this amount is not right nor it is something I can pay because it is more than what I signed up for with another horrible company who sold my loan to Rushmore. I have the same demands as before : Lowering the total balance forgiving the XXXX late payments Lower monthly payment will be responsible for paying my own taxes An apology and returning the escrows they have charge me for months now. 

CFPB must take immediate action in helping customers like me who are being threatened and taken advantage of by who knows these investors and shark companies like rushmore. 

XXXX XXXX Here is what I read on line : This is just out of 66 complaints : Like may here, my loan was purchased by RLMS last fall and reading these reviews prepared me for the worst. As expected, my loan has had issues with on-time payment of escrow and their recalculation of escrow owned was laughably inaccurate ; just prepare for that if you've recently been transferred over. I will say that I was able to get on the phone with a person who, while them may not have been helpful, but were at least courteous to me. The good news is that I was able to send a fax to some number given to me from their customer service to have escrow account removed, my advice is to take as much of this ( PMI, escrow, etc. ) out of Rushmore 's hands as possible. It's been 10 months and my auto-draft payments also haven't been screwed up, so I'm on a roll!
Consumer complaint received 2018-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Experian is absolutely horrendous to deal with. They do not provide clear manners in which to reach a live customer support agent. My account with them ( which had a security freeze ) was provided a pin. I lost the pin. When I tried to lift the freeze to allow myself to get a mortgage, I was unable to do so. I needed the mortgage urgently. However, they did not provide any direct customer service manner to lift the freeze. I had to upload my Drivers License, social security number and bank statement. However, they gave no indication that they received the documents. 

They make it very easy to sign up for a paid service. However, they make it nearly impossible to remove or temporarily lift a service if you have misplaced one item. This is horrible service and results in false advertising and possibly financial hardship. One only need to go online to see how many people have trouble getting " real '' phone numbers to spake to an agent with th
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CT)

I was scammed by a person who said they would move into the apartment. They sent in a fraudulent check of XXXX and asked to be sent XXXX which was excess of the security deposit as a moving fee. I got a money order from TD bank ( XXXX ) And deposited to said persons account at XXXX XXXX on Friday XX/XX/XXXX. The original check has now bounced ( placing my TD bank account in negative ) and I am trying to get the sent money back and the criminal persecuted. 
The bank account the lost funds ( {$1600.00} ) were placed into was : XXXX XXXX Routing : XXXX Account Number : XXXX Swift code : XXXX I have all the receipts to support this. The money deposit transaction number into the scammers account was : # XXXX XXXX at XXXXXXXX XX/XX/10 at XXXX XXXX branch # XXXX XXXX XXXX XXXX , CT My bank ( TD ) has refused to cancel the money order and XXXX XXXX have not been helpful as well I have opened a case with the XXXX XXXX Police ( case number XXXX XXXX )
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (MI)

I am not sure of what actually happened. Ive been monitoring my credit lately and seen an account I was unaware of. Based on the details I cant even determine what type of debt this is and how did is get on my credit report.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have asked several times via fax, email and in writing for Equifax to remove a fraud alert off my credit report and update my address and basic information and they have refused. Its been over 6 months trying to fix this with them. Also, my account is locked and so is my credit.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CA)

To Whom It Might Concern : I have a complaint against Discover Bank, located in XXXX XXXX XXXX at Utah. 
-- -- -- -- -- -- - Short History -- -- -- -- -- -- -- -- -- -- -- -- - 1. My name is XXXX XXXX You can reach me at ( XXXX ) XXXX. 
2. On XX/XX/XXXX and XX/XX/2018, i made a mistake. I issued an ACH transfer twice, and each time an amount of {$1100.00} was subtracted from my checking account at Discover Bank to pay my Visa credit card balance at XXXX XXXX XXXX. 
3. As the 2nd time of withdrawal, my account was bounced. Insufficient fee of < $ XXXX> was charged on XX/XX/18 and an amount of {$1100.00} was returned to my account on the same date ( Of course! ) -- -- -- -- -- -- - Important information below -- -- -- -- -- -- -- -- 4. On XX/XX/2018, without my request, Discover went out and debited the same amount of {$1100.00} from my checking account in attempt to pay my credit card at XXXX XXXX XXXX FOR THE 3rd TIME!!!!!. Note : The payment has NEVER taken place ....!!! because that there was NOT enough money in the account, ( that would result with a balance of < $ XXXX>. Please see attachment ) 5. On this date, There were 2 systematic errors : 1st error : the NSF has never recorded. 2nd error : It should reimburse me back the money of {$1100.00} that it took away from my checking account. 
6. So on XX/XX/2018. I called in, asked them why trying to pay a 3rd time, and I disputed the amount of {$1100.00}. 
7. So, The dispute went on investigation. And amazingly, Discover said the transfer made on XX/XX/2018 was VALID. So on XX/XX/XXXX, Discover came back and took back the disputed amount of {$1100.00}!!!! 

XX/XX/XXXX, I called XXXX XXXX XXXX to make sure and have them verified that they never received any money from Discover any time on or after XX/XX/2018! The trace that Discover people gave me was XXXX that was for the transfer on XX/XX/XXXX indeed! 

To DISCOVER BANK : If their investigation was GOOD by saying the transfer on XX/XX/XXXX was valid. What is its VALID trace ID? 
and where the money went after it got debited from my checking account? 

Finally, on XX/XX/2018. A rep at XXXX XXXX XXXX ( Mr XXXX at Illinois ) set up a conference call and we talked to two reps at Discover Bank ( XXXX and XXXX @ XXXX XXXX XXXX ). On the phone, XXXX XXXX verified that they did NOT receive any money from Discover on or after XX/XX/2018. Discover now back to investigation again! XXXX # XXXX Discover bank has been taking 2 months to investigate. That transfer from Discover to XXXX XXXX has never taken place! So, Return the money to me! 

Please help me to recover my money from Discover Bank. I appreciate your intervention and your help! 

Sincerely, XXXX XXXX.
Consumer complaint received 2017-09-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (IA)

I cosigned for a private student loan through XXXX XXXX that was later transferred to navigate the primary borrower default it on the loan I was contacted at eight years later that the loan is in default and asked to make a form of payment. The debt collector was called consumer collection services they made agreement with me stating that if I paid {$300.00} I could have my name removed from the loan and I would no longer be liable I have documentation that I have fulfilled my portion of this I am now in a small claims suit against a different debt collector for the same dead and they are garnishing my wages for the full amount of the loan which is {$2900.00}. I have already contacted them and provided them with the information and copies of the letter showing that I have satisfied my end of the dead yet they still pursue legal action against me. No I have lost 25 % of my income which I can not afford and I do n't know what to do. If requested, I can provide additional copies of said agreement that removes me from this debt.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My mortgage is held by Fifth Third Bank. My homeowners insurance, paid to XXXX XXXX, is paid on an annual basis by Fifth Third Bank via escrow. Recently Fifth Third Bank changed the vendor they use to process insurance payments. I received a call from my insurer, XXXX XXXX, about 10 days ago, XX/XX/XXXX or XXXX  informing me that policy had not been paid and it had been billed on XX/XX/XXXX. I was unable to reach anyone at the bank as I was informed they were having system issues. I then called my local bank branch and spoke with the onsight mortgage agent, XXXX XXXX, who contacted XXXX XXXX at XXXX XXXX to request an invoice she could forward for payment. 10 days later, another call call from XXXX XXXX, and Fifth Third still has not paid the premium out of my escrow. A very confrontational phone call with Fifth Third agent named XXXX, and now, supposedly, a check is being mailed overnight to XXXX XXXX. It should not, in my opinion taken nearly 3 weeks for this transaction to occur. I am 5 days away from policy cancellation due to Fifth Thirds new vendor arrangement and subsequent inability to manage insurance payments from a new vendor. Fifth Third, at the corporate level, not the local branch level has been difficult to deal with. I have NO issue with XXXX XXXX, they have been very helpful.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

This company has purchased a false debt previously owned by XXXX XXXX XXXX. I reported this debt here against XXXX   back in XXXX of this year, 2018. Report number then is XXXX. That company also reported false information to the credit bureaus as did this company, Commonwealth Financial Services. I have called on a recorded line to inform Commonwealth of their error, I have sent certified letters in regards to this debt and I have disputed this debt with the credit bureaus only to have Commonwealth declare the debt to be valid and the derogatory information to remain causing a substantial drop in my good credit status. My next step is legal action if this information reported is not deleted from the 3 bureaus and the debt discarded. This is NOT my debt nor will I ever pay it. I demand Commonwealth to remove my information immediately or face certain legal action. I can provide copies of previous reports showing this debt is invalid while under XXXX  and as well as my previous report and outcome from the CFPB.
Consumer complaint received 2019-03-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi Im checking my credit score and report and came across an unauthorized credit check from XXXX. The report was submitted on XX/XX/2018. I have no clue about this request and never made any request for an automobile.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (MI)

I was victim of fraud. Someone used my debit card info and made purchases close to {$10000.00} and I have filled dispute with TCF bank. TCF first gave me money back then they took my money out of my checking account. I asked them what is happening and they reopened the claim. This has been happening since XX/XX/2018 and they just keep asking me for same documents over and over again. Ive sent them 4 times proof that I was in XXXX when this fraud happened, my affidavit and police report. Since then they just keep telling me that my case is under review and not giving me resolutions date or anything. Can you please assist me in getting my founds back.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (MO)

US Bank Credit Card Collections Department charged my US checking account without authorization on XX/XX/XXXX. The amount is {$790.00} which they claim is for the US credit card payment due. The US credit card with US Bank I have is in disputed status due to excessive fees and interests charged. 

US Bank Credit Card Collections department sent notice that arrived on XX/XX/XXXX XXXX ( mailed oXX/XX/XXXX ) to state they are going to charge my checking account, not allowing time to dispute. 

I called US Bank today and notified that this transaction was not authorized, disputed it, and requested return. The US Bank stated no intent to return the funds.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

On XX/XX/2018, I made a request to XXXX XXXX to change my payment due date from XX/XX/XXXX of the month to the XX/XX/XXXX of the month. My reason was that the new payment schedule would better align to the day that I am paid by my job. After submission of my request, my payment due to XXXX XXXX increased from ~ {$590.00} per month to ~ {$650.00}.

After approximately XXXX and a half months ( on XX/XX/2018 ), I submitted a second request to schedule my due date back to the XX/XX/XXXX of the month. I realized that the monthly amount due was too high for my personal budget.

Shockingly, after XXXX XXXX accepted my new request, my payment amount due increased to {$680.00}.

I called XXXX XXXX to understand the increase. In XX/XX/XXXX, the amount due was {$590.00} and I could not understand the increase after only XXXX months. I shared the documents received upon submitting my requests in which no information was mentioned or shared about changes to repayments ( other than date changes ) amounts. Additionally, I walked the loan representative through the payment date change process and showed her that there is zero language around long-term payment increases. The only payment-related disclosure shared was that I may have to make a double payment once the new billing cycle starts.

XXXX XXXX XXXX response was to offer me new repayment terms. Which I did not want to accept. I wanted my amount due to return to its original {$500.00} amount. Instead of providing documentation that spells out how the change occurred, the rep continuously pressed me to consider extending my repayment terms.

I pointed out several times that loan institution provides clear disclosures on neither their website or complementary documents that inform borrowers of the consequences of changing the payment date. In fact, the website simply states : Change Your Due Date to Fit Your Schedule If You Change Your Due Date : It may take up to 2 billing cycles to reflect your due date change.

It may result in two payments being due within 1 billing cycle ( XXXX days ).

Any loan that is in a paid ahead status will be removed from that status, and the next monthly bill will require you to pay the full installment amount.

After my discussion with the loan representative, she admitted that none of my documents specify that I would receive an increase of payment amounts just from changing my due date.