davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
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. (VA)

Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XXXX XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact XXXX, Experian and XXXX via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XXXX XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from Experian and XXXX requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that I NEVER requested from Experian and XXXX  ( XXXX 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX  XXXX XXXX, XXXX ( XXXX. )
Consumer complaint received 2019-09-27
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: AMERICAN EXPRESS COMPANY (PA)

My wife and I were defrauded by a hotel that was advertised by American Express Travel as a 4 star hotel. It was a dirty, unventilated room and the hotel had no food. We have tried to resolve this with American Express and American Express Travel by disputing the charge twice. We have photos of the room and an explanation of the conditions. 
The hotel charge was {$300.00} for one night on XX/XX/2019 in XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018, 120 dates late as of XX/XX/2018, 150 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not receiving statements because I thought that loans were in deferment.
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Armada Corp. (WA)

XXXX of 2018 I oncured a medical bill for {$180.00}. I did space it off and it got turned over to collection 's. I got it taken off of one credit beurea already.The collection agency has still not notified me to date by mail or phone about this collection. I have same address and phone # as always and still nothing. I know I forgot, but I should have a chance to pay off before being turned over to collection 's. I found out only by checking my credit report it was there. This hit hurts me buying a home and would even be willing to pay for them to delete it. Thanl you!
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

On XX/XX/2019 I received a Collection letter from the Collection Bureau of Hudson Valley , Inc. ( CBHV ). The collection letter states that I owe XXXX XXXX XXXX   a past due amount of {$70.00}. On XX/XX/XXXX I called XXXX billing department and spoke with Mr. XXXX. I told the billing person of the Collection letter.  After reviewing my current account bill and my previous account at my XXXX, NY. Mr. XXXX said all my bills are {$0.00} ( XXXX ) and I DO NOT have any past due amounts to be paid to XXXX. I then called the collection CBHV agency at XXXX and told the woman rep ( XXXX ) that I just spoke to XXXX billing and the billing person said I do not owe any past amounts to XXXX. XXXX told me that XXXX opened the collection process against me. I told XXXX that I never received a past due letter that I owed a past due amount of {$70.00}.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I got a copy of my credit report to check to see if things were accurate, and i noticed that i have some unauthorized hard inquiries. I've written letters to all three bureaus and stated that that these hard inquiries were unauthorized, and they still haven't removed them from my credit report.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The lady at the front desk assured me that their institution was inside my insurance network and that there would be XXXX copay but 6 months after my hospital visit I received a bill for {$1200.00}. My lawyer contacted their facility to dispute the Copay charges because the lady at the front desk knowingly gave me false information in order to retain me as a client they agreed to settle and remove these charges. I am writing to have this information removed from my credit because it is hurting my credit score and affecting me getting a job and other financial products.
Consumer complaint received 2019-09-27
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION (CA)

I co-signed on a title loan with my nice and began making payments on a {$2500.00} loan. I am an XXXX XXXX veteran he finds himself in the hospital regularly. I took the loan out so that my niece who has my primary caregiver and I could relocate to a different area. I spent the first two and a half months in our new home in and out of the hospital. When things finally settle down I noticed a charge on my bank statement that I was unfamiliar with. It might have gone unnoticed by my niece because she was not familiar with my bank statement nor was she responsible. But automatic deduction for the car payment on my statement and right next to it was another electronic cash check for the same amount and if you were not really paying attention you would just think it was the same charge. you wouldn't realize that it was two separate charges. I immediately contacted my bank and attempted to contact the company that claims that I have a loan. They are check n go I also contacted fast auto loans where I actually did take a loan out so verify that that was not a sister company or parent company and that they were mistakenly double charging me and I was able to verify that they are not affiliated with that company at all. My bank, XXXX XXXX, found it to be fraud. But only reimbursed me 2 payments.I was in and out of the hospital for 12 weeks. My focus was on living. I am on a fixed income and I could really appreciate my money back. They stole it from me. Please help me
Consumer complaint received 2018-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Started XX/XX/2016 {$290.00} is the amount this company has in collection. 
Ive reach out to the company back in forward and I dont know what else to do. 
Ive explained to them that they have this collection on my credit report and it is against the law. 
They do not want to tell me what was even preformed or why I never received any letter or anything else about how it was acquired. 
The debt is not mine.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (LA)

My account was charged overdraft fees in the amount of approximately {$200.00} total. I should have not been charged fees because I had enough funds available for the transactions that were made. I emailed them 3 days ago when my account became negative approximately {$100.00} and was told that I had pending transactions that had not been taken out however there were no transactions that showed pending. All of my pending transactions always shows and those funds are always held. On yesterday morning my account was overdrawn approximately another {$100.00} for the exact same transactions. When I called I was told that there were pending transactions that showed in the background that they only could see which caused my account to overdraft. She also stated that I could not have known that because I couldnt see it so technically the transactions that I made would have been covered but since I couldnt see the other pending transactions it caused my account to overdraft. The rep refunded approximately {$100.00} due to the situation and because my account is not regularly overdrawn but did refund the remaining approximate fees of {$100.00}.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have applied for a Credit Limit Increase 9 times, since I have been a customer of Capital One. Every time I have been denied. I requested an increase and been denied, when my credit score has improved tremendously compared to my scores when I was originally approved. I have compared my situation with other personal friends, and feel that I am a victim of Credit Discrimination. I have called Customer Service and asked to speak to the Credit Department, and was told that was not possible. I spoke to a Senior Representative instead. Although the Representative did understand my frustration, I was still told that there was no way to talk to the department who handles this issue. I believe that my payment history warrants an overdue credit limit Increase, as well as my credit score.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Recently, after analyzing our travel pattern, I feel that we will benefit from both Amex XXXX XXXX and Amex XXXX XXXX. So I applied for both. 

I was content when the pop up appeared and told me that I was not eligible for the XXXX welcome bonus points because I already have a XXXX XXXX Card. 

However, when I applied for the XXXX XXXX XXXX, I got the same ineligibility pop up. There was no specific reason offered. I aborted the application at that time because it seemed unfair to me. I have never had a XXXX XXXX card, and I never received any kind of bonus offer with the Amex XXXX XXXX I had ( it has since then been cancelled ). Of all the conditions I read, I should have qualified for the XXXX bonus points advertised. 

I then contacted Amex. After hours of on the phone and speaking to 3 customer representatives, I was not able to get a straight answer as to why. One of them filed a complaint with Amex on my behave and told me they will contact you if they feel necessary. I was not contacted. I got all kinds of replies, some was made up ( i found out later ). But one thing in common is that they all agree that they dont understand why and that the decision was generated by a computer ( huh??? ).  And also that I have no one to talk to at that point and just have to take it. 

I am a XXXX and a responsible spender with excellent credit score. And above all, I have been with Amex since 2008, and this is how they treat their customers???!!! This is unacceptable to me and is false/misleading advertising.
Consumer complaint received 2019-09-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (NC)

Original purchase amount in XX/XX/XXXX was {$8500.00}. 
Car was repossessed in XX/XX/XXXX with only one payment of XXXX not paid. 
They are reporting that I owe XXXX on a car that I do not have and didnt originally cost that much and almost a year payments paid on.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

Chrysler Capital keeps increasing the balance on my credit report and it was charged off with profit and loss in XXXX. I have made payments in XXXX in attempt to settle but was unable to continue after 2 payments. When I call Chrysler Capital they always have a new balance that never decreases.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NV)

My U.S. Bank Account Number : XXXX was overdrawn amounting to {$120.00} But, My transaction history dated XX/XX/2019 Trace ID number XXXX has a customer deposit of {$100.00}. On XX/XX/2019 Trace ID/Ref number XXXX has an overdraft fee of {$36.00} paid by the bank and I was left with nothing. I reported the problem with U.S. Bank employees and they printed all kinds of figures that I owed {$120.00} and will be reported to Consumer Reporting Agencies, which may prevent me from obtaining services at other financial institutions. The said letter was sent by U.S. Bank Cbdm - DDA Default Services Phone : XXXX. The money involved is only {$100.00}. - {$37.00} = {$62.00} The question is what happened to my balance of {$62.00}? The bank location is on U.S. Bank, XXXX XXXX XXXX XXXX 's Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Thanks for your help.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (AL)

I had an Amex bluebird card. I was using for direct deposit of my payroll. The company closed my card down and did not notify me. I found out when I tried to use my card and my transaction was declined. I had over XXXX remaining on the card and they havent given me my money nor am I able to contact them by phone they wont except my call says account closed send them a letter. This happened in XXXX of 2019 and its currently XXXX and still I dont have the remaining funds that were left on my account. Nor have they sent me a statement.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: P.S.C., Inc (WA)

I spoke to Puget sound collections on multiple occasions and they said the 5 accounts that are showing XXXX balance and open have been settled and was promised to be removed and will be removed. They said the easiest way is to dispute and it should be removed with no problem being they are already at XXXX balance which means there is nothing owed and settled. I had a total of 11 accounts that reported at XXXX balance from Puget sound collections XXXX removed all and XXXX only removed 6 of the ones I disputed and left 5. I have disputed and requested for removal 5 times thru XXXX XXXX and they still will not remove. Puget sound collections agreed and promised removal so I would like the remaining 5 Puget sound collections accounts that is reporting at XXXX balance and open on XXXX to be removed like promised. 

I also have another account with Puget sound collections for {$76.00} that was paid in full on XX/XX/2019 that needs to be removed because it has been settled. I have called and also disputed thru XXXX customer service and they are rude and no follow up or they say there is nothing I can help you with. Every time I dispute thru XXXX it seems it takes multiple times and longer then it should for them to follow up with me and give status.. XXXX has been amazing and very efficient and quick on disputed and following up
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has not provided any proof of XXXX contract or my signature regarding permission to pull hard credit. Transunion nor XXXX have not provided any soild paper or digital contract regarding permission to pull hard credit.one excuse after another by Transunion issues not providing proof from XXXX no contract by transunion or any documents to support by transunion hard credit on my file by XXXX.
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (FL)

Someone stole a check from me and used it at XXXX XXXX XXXX XXXX. The store obviously didnt ask for Id to verify the check belonged to the person because I didnt write the check. I have contacted the business years ago and also disputed it with the collection agency and the credit agency. This is still on my credit report and signature on the check is not even mine. This has affected my credit score for years and its time it be removed.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (CA)

I paid off a debt in full for speedy cash I disputed it twice, I tried to upload docs, satisfaction of judgement is in. My score went done twice due to the error in not removing it my score was a XXXX and now and because I disputed and they kept it on my score went down
Consumer complaint received 2019-09-27
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. (CA)

I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, XXXX, XXXX and Equifax on over 3 occasions XXXX has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX XXXX has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT EQUIFAX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION
Consumer complaint received 2019-09-27
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. (CA)

I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, XXXX, Experian and XXXX  on over 3 occasions XXXX has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX EXPERIAN has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT XXXX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MA)

Good afternoon, thank you for assisting with my issues. On XX/XX/XXXX I learned that my loan servicing was transferred from XXXX loan servicing to PHH mortgage. I was given a contact of XXXX XXXX ext.XXXX. I called to make a payment, and no one answered the phone. At that time I was 2 month behind and had a late fee of roughly {$1900.00}. I made 2 mortgage payments over the proceeding 3 weeks by the automated phone payment center.I have all the documentation ( i did have a routing number issue on a couple attempts ). After multiple calls on hold for hours, I had reached a customer service rep and was told i could get current with a payment of roughtly {$3900.00}, and made that payment around XX/XX/XXXX. I was told the late fees were removed, due to federal law with a new servicing provider, and made a payment of roughly {$3900.00} bring me current, which I did. I thought it was somewhat resolved aside from the illegal, inexplicable chargers and lack of customer service until..days later I got a letter and I owe over {$11000.00}. I realized payments were missing, there were payments not being applied and the escrow was off, there were fees piling on. The account was in suspense dated back to XX/XX/XXXX. I make a payment to get current and then this, heartbreaking. I asked for an escrow break out, never got it. There are funds that are currently missing.Full payments missing. Please help with holding this Lender accountable. I have all bank records and letters to verify these issues