davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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. (FL)

During the time I was in the market for a personal loan, I found XXXX XXXX appealing because their website states that an application does not impact my credit report. 

On the FAQ section, at the very bottom, the website states that the following : Will my credit score be affected if I apply? 
When you apply for an XXXX XXXX loan, XXXX XXXX will pull your credit report in order to determine what lending products you may qualify for. This inquiry will not impact your FICO credit score. 

But I found out this weekend, that this is not true at all. In fact, I have XXXX hard inquiries on my credit report from this company on XX/XX/2021 and XX/XX/2021. When I found out about this I emailed XXXX XXXX and requested they remove the inquiries because their website is misleading. 
The company responded to my email, they would not address the discrepancy and simply refused to remove the inquiries. As I look at the company reviews today, several websites such as XXXX, XXXX XXXX XXXX XXXX also state the company does not do hard inquiries which further add insults to this situation because people are coming to same conclusion as me and its not right to be so deceitful. 

In fact, XXXX 's review on XXXX states that they will report payment history to the credit bureaus and that's not true as all, they only report negative payments not positive history. I called several times about this as well because my loans have never reported and I didn't find out until well after the loan was disbursed.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX This account : 1. The Pay Status is Inaccurate, it should be Paid/Closed and XXXX Balance 2. Is missing the Payment History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing 3. Is missing the Balance History Data for the most of the time the account had been open a. This account was opened in XXXX, yet only XXXX of XXXX to XXXX is showing. 
4. Has Late Payments, when there is no Balance History to support this. 
a. Comments Say Late in XXXX and XXXX, but its flagged 3 times as late.
Consumer complaint received 2023-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Loan Science, LLC (KY)

Climb credit had me to sign up for a student loan for XXXX school classes. However I could not do it because I dont have a GED, I received no books, took no classes or received any money. When I call I get the runaround. They cant even give me the name or location of said school. So I CANT contact them! But t receive statements in the mail. When I called they said they couldnt help me that I had to call climb. And they tell me I have to call the collection dept.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I called Transunion in ref to invalid inquries on my account that I did not authorized that were removed and then the reappeared on my account without notice. I referenced the glitch that they had and was not able to get any assistance because she stated hey were valid. I asked her to provide me proof of the information proving it was valid and she declined to provide.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In Accordance with the fair reporting act creditors have violated my rights. Under 15USC1681 Section 602 States I have the right to Privacy. 15USC1681 Section 604A Section 2 It also states can not furnish an account without my written instructions. A Credit reporting agency Under 15USC 166B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (FL)

I applied for a Chase XXXX credit card on XX/XX/2022. Immediately I received an email stating that my credit card was being processed Ref # XXXX. Then soon after I received another email that further documents were needed. I sent various documents such as a billing statement showing proof of my mailing address XXXX XXXX XXXX, I also sent a driver 's license showing proof of residential address, also sent a bill showing proof of residential address by fax, mail and email. All documents were denied and my application was never processed. I must have sent all documents probably about 10 times and still no answer. I think they are having issues with my address on file since I already have a Chase Freedom credit card and the addresses I have provided. I have called about 10 times and today XX/XX/2022 I had enough talking to XXXX from the fraud department at XXXX and she hung up the phone when I requested to speak to a supervisor. I have provided all that they have requested and nothing has been resolved and difficult to get a hold of and speak to them. Very rude and unprofessional reps. My credit score is about 820 and I have a good standing with Chase freedom card over the years. The only problem I see them on purpose denying me a credit card based on race or some other factor and that is discrimination. I don't see any other problem since I have provided what they asked for but still my credit card has not been processed and a hard credit was run on my report. I have gotten many letters about 5 stating that Chase unable to process my application but no reason as to why.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-02-08
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. (FL)

Transunion has " verified '' collections. I have requested validation to include EVERY DOCUMENT used to support " verification. '' Transunion has blatantly and willfully refused. As Transunion has not been able to provide correct, accurate, and complete information, per request, DEMANDING REMOVAL AND SUPPRESSION OF XXXX XXXX XXXX, IMMEDIATELY. 

It is the consumer reporting agency 's obligation, " pursuant to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. Section ( s ) 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate. '' Transitions negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. ( s ) 1681i ( a ), 1681n,1681o, have caused hardship, mental distress, and detriment overall.

PLEASE do not respond stating that " the company will respond and has received the complaint '' as it is OBVIOUS that the complaint will be received as it is a FEDERAL COMPLAINT. Please do NOT use this stalling tactic, just please respond according to the " fair resolution '' section.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

I am making {$100.00} payments to Springleaf Financials lawyer, XXXX XXXX XXXX, XXXX. I was unaware I was being sued when I called to set up the payments last month after getting behind. This month, Springleaf closed my account and I was served papers on Sunday. The original amount financed was {$3100.00}. They are suing me for sum of {$4200.00}, less interest of {$780.00}, less insurance of XXXX + attorney fees of XXXX with a CONTINUING RATE OF INTEREST OF 35.99 % UNTIL PAID.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IL)

Client was evicted from an apartment after rent was withheld because of livability issues. The eviction went through the court process and a judgement was entered for {$1300.00} plus court costs. On the credit report, a separate debt collector is attempting to collect {$3700.00} for the same incident. A debt collector should not be able to collect on a debt that has already gone through the court process and furthermore they should n't be able to ask for an amount that is exponentially higher than the judgement amount.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$950.00} Creditor is charging a debt in which as a veteran I do not owe. All medical payments should be submitted to the Veteran Affairs XXXX facility nearest to the hospital of visit for payment. All document and information was provided to the medical facility. The medical facility failed to seek payment from the Veteran Affairs as instructed. This debt is not mine and I request the collection be REMOVED entirely from all 3 credit bureaus.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Arbor Residential Mortgage LLC (NH)

I received a letter stating that my property was near to or possibly impacted by a Presidential Major Disaster Declaration. That is not true. I called to register my dismay at this vaguely threatening letter and request they update their data. The C/S Rep said he was unable to help me and would transfer me to a department who could. I then ended up in their automated telephone system, not to a person. I am very uncomfortable with my mortgage servicer implying I have disaster related damage to my home when it is not true. ( Please note, none of your mortgage process categories below apply to this situation. )
Consumer complaint received 2023-03-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ). Account # XXXX I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian, and XXXX did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit and payment history is not correct on three credit as well. 
Which is a violation. This is impacting me from moving forward with my future plans. 

attach my previous credit report and my new credit report to show how Experian violated my rights
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

To whom it may concert, Wells Fargo has been mailing me information about an account that was fraudulently opened without my consent or knowledge. Based on the documents that were addressed to my seven-year old daughter in 2012, I feel certain in saying that she was a victim of fraudulently banking practices by Wells Fargo as well. I called Wells Fargo on Friday, XXXX XXXX and received a case number, a toll-free phone number, as well as the name of the individual my case is being " handled '' by. That information is : Case number : XXXX Phone number : XXXX XXXX Case Worker : XXXX XXXX ( work hours : Monday-Friday XXXX XXXX ) Per your request, I have the original documents regarding these issues and can fax, scan, or email, whichever is a preferred method. Thank you for allowing me to generally bring focus this matter and am looking forward to hearing from you. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MI)

Good Afternoon. I am a real estate appraiser that has completed appraisals for Citi before. About 10+ years ago, during the foreclosure days, I was engaged by Citi to complete an appraisal for a refinance. The subject was 1/2 mile from my office. If anyone knows the comparables and area it would be me as this is the area I work and live in. They sent me a letter telling me that I completed an appraisal and they had a review done. I don't know who reviewed my work or if they were even competent in this area. This rural area of Michigan only has a couple resident appraisers, me being one of them. They told me that I should have used different comparable sales based upon a review they had. They didn't provide the sales they thought I should have used. They told me I had one chance to explain myself and didn't provide enough information for me to respond. I needed more information to formulate a proper response. I wrote them back and asked them to please provide me with more information and if they could tell me what comparables their reviewer thought were better, I would be happy to explain why I didn't use them. Instead of giving me information so that I could properly respond, they wrote me back saying that was my one chance to respond and now I am blacklisted from future work with them. I considered filing a complaint however at that time I was so busy with work I didn't have the time to handle it. The blacklist does effect my future work opportunities as it is published for other lenders to see. I work very hard to do the best appraisals & I have been appraising for 23 years. I do not feel I should have been blacklisted as the appraisal was very good and I stand by it. Citi shouldn't damage an appraisers name without allowing the appraiser to properly stand up for themselves. I've worked for numerous banks, credit unions, attorneys for 23 years and have never been removed from any lists besides CITI. I have never been in any kind of trouble with my state licensing board or any trouble period. I ask that someone from CITI Bank please take care of this and remove my name from any of their blacklists that damage my reputation. There are other banks that use the Citi Blacklist as a guide for which appraisers not to use. Thank you for your time and please let me know if there is anything I can do to clear my name. I'm happy to do what it takes! Thank you! If you need the documents sent to me by Citi I can look those up and provide them.
Consumer complaint received 2022-09-01
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. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX transfers Date : XX/XX/2023 Total amount : XXXX Bank : Capital One Description of Incident I received an alert on my XXXX about an XXXX XXXX credit card charge to XXXX with a phone number claiming to be XXXX Customer Service for questions. Not recognizing the charge, I clicked on the linked phone number to call and was connected to a representative claiming to be XXXX. He told me it was an improper transaction and that all my accounts were compromised. He said he would help protect my accounts and that I should I download the XXXX  app to my phone, which I did. He told me criminals were using XXXX to take money out of my accounts. He instructed me to enable XXXX on my bank account so that I could decline the fraudulent transactions. He then had me send money to " myself '' to undo the " fraudulent '' transactions. It appeared to me that I was sending money to myself but, in fact, I was sending money to the fraudsters under XXXX name XXXX XXXX. I did see this name on my screen but the representative explained that this was his supervisor. He then instructed me to do the same on my husband 's phone because we had a joint account, so I did. In total, there were 4 transactions totaling {$3400.00}. He then instructed me to download a cryptocurrency app. At this point, I became suspicious and ended the phone call. I then realized I had been scammed and immediately called my bank, Capital One, to report it. Capital One denied the claim because Capital One did not make an error.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

BoA, after collecting {$680.00} for a credit check and appraisal, was unable to get underwriting approval for my refinance because my home is subject to a leasehold, aka ground rent. In XXXX, ground rent is public knowledge and is available online via a simple address lookup from the Land Records Office ( XXXX ) and Dept. of Assessments and Taxation ( XXXX ). Furthermore, I chose a loan officer in XXXX to avoid issues like this - ground rent is common in a few states that I know of : XXXX, XXXX, and XXXX. If BoA knows it can not close a loan on a property subject to a ground rent, then it should not accept money or string customers along. In this case, I applied XX/XX/XXXX and on that date, paid for the appraisal ( {$670.00} ) and credit report ( {$15.00} ) and was denied at the end of XX/XX/XXXX! XXXX help me if this cash out refinance was to help with medial bills or school and not home improvements - I would be XXXX feet deep or a drop out because of the negligence and possible fraud committed by BoA. I have contacted BoA regarding a refund for the appraisal and credit report several times via my contacts on this loan ( Retail Sales Manager, XXXX XXXX ; Mortgage Loan Coordinator, XXXX XXXX ; and Home Services Specialist XXXX, XXXX XXXX ). I have n't even begun to calculate damages for stringing me along for XXXX months. 

I was extremely disheartened yesterday when I learned that a fellow XXXX resident had the same thing happen to him. I have encouraged him to file a complaint as well. The bottom line is that BoA is unfit to do mortgages in XXXX. Plain and simple, no questions asked. We have XXXX cases of extreme negligence bordering on fraud. Cut BoA off from these deceitful practices in my state!!! 

Thank you, XXXX XXXX
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian is reporting fraudulent inquires on my credit from companies listedXX/XX/XXXX XXXX AND XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX SHOWS XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Richard Sokoloff, Attorney At Law (NY)

I was placed in collection from a collection agency for XXXX medical bills. I had medicare at the time and my out of pocket expense was {$140.00} which I paid to XXXX. After that any bills that were incurred were paid by medicare. I have XXXX collection accounts on my credit reports that should not be there. XXXX is for XXXX and the other XXXX is for XXXX. First off how can this collection agency place me for collection twice? is n't that double dipping? As I mentioned earlier I paid the initial {$140.00}. I should have not been placed in collection for these XXXX medical bills. I contacted Medicare in regards to this issue as it is affecting my credit and was told both bills were paid. I am disputing this information on my credit reports as I want them removed as they are affecting me in obtaining credit.
Consumer complaint received 2021-11-05
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. (TX)

I have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

Sometime between XX/XX/XXXX and XX/XX/XXXX I asked for a lower monthly payment, as I was suffering financial hardship. I was given six months forbearance instead. Now, on XX/XX/XXXX, I again asked for a lower monthly payment. On XX/XX/XXXX, I received an e-mail from Navient with a document stating that I had been granted 2 months forbearance, but had been denied the lower monthly payment.