davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

loan is mine the late payments are inaccurate and this is a violation of XXXX us code XXXX XXXX removal of inaccurate/invalidated credit information please remove immediately as its reporting on all XXXX angencies inaccorate
Consumer complaint received 2020-04-28
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. (TN)

THIS ACCOUNT WAS OPEN WITHOUT MY CONSENT I HAVE ASK XXXX XXXX XXXX TO SHOW ME THE CONTRACT TO SHOW I NEVER SIGN FOR THIS ACCOUNT BUT THEY DO NOT HAVE IT.
Consumer complaint received 2022-01-06
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. (AZ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-06-16
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: Credit Karma (NC)

I recently viewed my credit report via Credit Karma as well as XXXX XXXX and noticed two credit cards that I did not apply for. The names of the credit card companies are XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. I contacted both companies several times to let them know that these accounts are fraudulent and each time, they were unable to assist me. They continuously asked for my social security number, which I was uncomfortable providing them with, and an account number, which I don't have. I filed a dispute via Credit Karma and I was completely unhappy and confused with the results. They simply stated that the information was accurate and correct without even reaching out to me to verify anything.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (GA)

Call today Cal XX/XX/2020 to Caliber Home Loans where I have the mortgage on my house to ask for help because of or Covid-19 my work is reduced by 50 % weekly hours. The response was that Caliber suspends at 3 months I pay them. After 3 months I have to pay the 3 months at once!! na truth 4 months is impossible! What help is that??? I think Caliber does not want to help its clients!!
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was paying my bill every month and I started to notice that the interested was not going down. I called and sent letters to try and get them to explain this to me and the kept telling me it's because of 31 days. The statements are confusing and customer service was no help
Consumer complaint received 2018-02-22
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. (NC)

I wrote all 3 credit bureaus ( I will attach all documents ). Only XXXX responded. XXXX and Experian have ignored me in violation of the law.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is showing my student loans accounts open and into collection. My student loan should be deleted from my credit line due to my school and the collection agency losing a lawsuit filed against them. They no longer were able to gain any money from students due to them losing the lawsuit. I have got my student loans deleted and closed off on my XXXX and XXXX credit score due to the evidence given to them. Transunion is still showing my accounts open. I need to dispute this again due to me no longer being responsible for these accounts.
Consumer complaint received 2018-06-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (WA)

The Reverse Mortgage Servicing department decided to advance my line off credit with out my permission or knowledge. The result is that the amount I will owe and pay interest on has been increase. Currently, I only know of one unauthorized cash advance, which has been added to the payoff amount. The I obtained the reverse mortgage, I needed around {$200000.00}. I told the company several times that my finances are stable. I want to be able to pay off the mortgage in the next year. But they have added draws from the line of credit that has increased the loan balance. I unsure how many times they have added draws, which I did not ask for. The latest draw they processed was for {$460.00}, which I did not request and have not received any payment for. I believe that they are trying to falsify the true balance of the mortgage by adding in draws that I neither requested or authorized. I believe my original loan balance has been increased by their unauthorized activity. Adding a draw, which is added at 4.175 % interest to the balance I owe seems illegal. I have never wanted to use the line of credit. The fixed amount of the original reverse mortgage amount was all I wanted. I informed the company, based in XXXX Mi, that I would never want to exercise my option to take draws. Nevertheless, the company appears to have taken draws from my account, illegally. The fate of the {$460.00} draw is a mystery. I have received NO payment from them in the amount of the draw. I believe that their actions are fraudulent. XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Business and Consumer Solutions. (KY)

I recieved a call on XXXX XXXX from a company called fbcs  about a bill from XXXX hospital from about XX/XX/XXXX I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim this is the third collection agency I have been sent to XXXX XXXX complaint # XXXX and XXXX XXXX XXXX XXXX i have not been sent anything in the mail to will not send me a way to dispute I found it strange that they gave me a address that I had not lived at since XXXX when at the date of service in XXXX I lived at another address
Consumer complaint received 2018-02-22
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. (NY)

There is a XXXX XXXX credit inquiry on my credit report with equifax that I have ask the company to remove several times as it is fraud. This company also drops my credit score for no reason everytime I complain about the issue. I am debating getting an attorney at this point as I myself am XXXX and having a hard time finding a new place to live do to this companies fraudulent and false reporting. I always pay the cards that I do have on time never missed a payment but this company continues to lower my credit score for no reason everytime I submitted a complaint. I would suggest the FBI look into this company because there is clear prejudice going on and they are creating hardship for me who is XXXX and well as my XXXX son. Please command this company to raise my score and remove this credit inquiry that should not be on my credit report
Consumer complaint received 2020-08-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I submitted a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. My 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-06-16
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. (CA)

XXXX XXXX XXXX is reporting on XXXX XXXX and transunion.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (TN)

On XX/XX/XXXX, I sent a certified letter requesting validation of the debt. I did not receive any correspondence from this company. Also, I sent a follow up letter on XX/XX/XXXX and I did receive a letter from them however it did not provide validation of the debt as requested nor within a reasonable time frame. Now I have been receiving letters in the mail requesting that I settle the debt however they have not provided me with validation of the debt they claim I owe.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

XXXX mailed Afni in XX/XX/XXXX informing no balance was owed and to close account. They said they would need 30 days. 

XXXX and myself called Afni in XX/XX/XXXX, informing no balance was owed and to close account. They said they would need to investigate if a correspondence was sent in order to release the account. 

Then, disputed the account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX through the 3 major credit bureaus. 30 days later, account remains open with Afni. Results of disputed charge remained open with Afni for {$830.00}. 

Called XXXX again, they confirmed account was closed and paid in full with XXXX however Afni has not responded to request to remove collection account. 

This account has impacted my FICO score negatively since XX/XX/XXXX, fighting this erroneous charge for a year unsuccessfully. 

Afni 's agents seem determined to not escalate to a manager for a closer review and are grossly unprofessional.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

Service Provider : XXXX XXXX ; Services Provided : XXXX XXXX ; Date of Service : XX/XX/XXXX ;  Invoice # : XXXX ; Claimed Amount : {$100.00} ; XXXX XXXX are claiming that I have not paid their above Invoice for services provided on XX/XX/XXXX. 
I paid this amount through my XXXX XXXX XXXX ( XXXX ) bill payment service in two equal installments of {$50.00} each as follows : 1. Electronic Payment from XXXX  XXXX XXXX {$50.00} on XX/XX/XXXX 2.  Electronic Payment from XXXX XXXX XXXX {$50.00} on XX/XX/XXXX The above information was provided to XXXX XXXX of XXXX XXXX ( Tel : XXXX ) 9-28 2017 by XXXX.. 
On XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX and provided the information again. She promised to investigate and call me back in 5 business days, but never returned my call. 
They have now referred this fraudulent claim to a Collection Agency - American Medical Collection Agency. This has affected my credit rating and I am being continued to be harassed. 
I am a retired person and I am being harassed for no reason. Please intervene to stop this tyranny! 
I also need them to have my credit repaired. 
Thank you. 
XXXX XXXX
Consumer complaint received 2024-02-01
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. (HI)

My servicer is Aidadvantage. In XX/XX/2022 i applied for XXXX XXXX and did not choose forebearance. I was on the covid 19 foreberance and was able to see my estimated monthly payments. however about a month prior to the foreberance ending Aidadvantage reported a monthly estimate of about XXXX which was higher than the usual XXXX. Then i received notification of forebearance. In this notification and website it states the monthly estimated payment /requirement is XXXX. It also does not state what if any other fees would be added. I was also told that payment is not required and that I may acquire interest. however on the website it does not show this.

Recently, i received a credit report decrease due to my student loans increasing in the thousands. I reached out to Aidadvantage which simply said that my monthly is XXXX and that i am not required to pay this and that it is all on the website. However it does not show any of this on the website.
Consumer complaint received 2023-02-07
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. (TX)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX Balance : {$21000.00} ; Medical XXXX : {$56.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 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
Consumer complaint received 2020-08-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent my first response on XX/XX/2020 and a follow up letter on XX/XX/2020
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I needed to make a payment to XXXX from United States through the websites such as XXXX XXXX and XXXX.. XXXX is giving an error sothat I tried with XXXX, but when I tried to login to my capitalone savings account from XXXX, capitalone is blocking my access to my account through my XXXX  account. I need to connect my capitalone account to my XXXX account, but capitalone is not allowing me to enable external applications. And when I tried to contact them, they were unable to solve my problem. Please do the needful with my problem and grant me to enable external applications for my capitalone account. Thanks.
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KWIK MORTGAGE CORPORATION (TX)

I refinanced my primary home in TX through XXXX mortgage XXXX originator ), their parent company is Kwik Mortgage based out of NJ. XXXX hired XXXX XXXX title for escrow. The closing statement stated i need to pay {$6800.00} for closing but they have collected {$8800.00} and refusing to refund excess money {$2000.00} paid into escrow. 

It has been over 6 weeks now. XXXX XXXX Mortgage told me to wait for 2-5 weeks and now XXXX XXXX and XXXX both refusing to resolve the issue amicably but giving me runaround asking me to contact my previous lender. I did contact the previous lender, they have stated that XXXX did not pay the full excess amount but paid {$400.00} more than the closing statement. Which means XXXX owes me XXXX, at least. 

First, Kiwi mortgage told me to wait 5 weeks but nothing happened after that. I reached out to Escrow, now they say my previous lender has the excess money collected by XXXX XXXX  and XXXX XXXX XXXX. But, XXXX confirmed that they did not receive XXXX excess payment. 

Which XXXX XXXX  / Kiwi Mortgage and XXXX XXXX refusing to even acknowledge my email anymore. 

I would like to get a refund or the loan amount reduced by XXXX. Or if there is a legitimate reason if the cost has gone up, i would like to know that and need someone to explain. 

The contact info for XXXX  / Kwik Mortgage : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Lead XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NJ XXXX Direct : XXXX Fax : XXXX The contact info for XXXX XXXX XXXX XXXX Closing XXXX XXXX Direct : XXXX Fax : XXXX Email : XXXX /// Emails from XXXX Mortgage : Sent from Mail for XXXX  XXXX From : XXXX XXXX XXXX XXXX Wednesday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX XXXX closing ; XXXX XXXX Subject : XXXX : Loan # XXXX XXXX Yes, generally it takes 15-20 business days. 


Thank you! 

Sincerely, XXXX XXXX XXXX XXXX XXXX Lead XXXX XXXX Highway XXXX, XXXX XXXX XXXX, NJ XXXX Direct : XXXX Fax : XXXX XXXX XXXX www.kwikmtg.com From : XXXX XXXX XXXX Sent : XXXX  XX/XX/2020 XXXX XXXX To : XXXX XXXX XXXX Cc : closing XXXX ; XXXX XXXX XXXX Subject XXXX XXXX : Loan # XXXX XXXX When will I get the refund from the escrow company for the over payment that they have collected? 



XXXX Email from Escrow : From : XXXX XXXX XXXX : XXXX, XX/XX/2020 XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX : Loan # XXXX XXXX XXXX XXXX We ( the escrow company ) do not have these funds. XXXX  has them. We sent them in the payoff. You will need to get the refund from them. 

Kindest regards, XXXX XXXX Closing XXXX XXXX Direct : XXXX Fax : XXXX Email : XXXX XXXX
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

I keep getting charged a late fee even though I pay every single month on an automatic payment on my cancelled credit card. I have spoken to amex 3 times and all they do is credit the month I complained in and keep charging me a late fee anyway. This has been going on since 2019.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/2018 TD Bank Reversed A Provisional Credit Back To My Checking Account And My Account Is Negative - {$210.00} and my account is being used for Social Security Direct Deposit and TD Bank Claims There Going to Keep Money From My Social Security Check and this transaction was a Fraudulent Charge and TD Bank Denied the Investigation For The Claim USPS And i did not do this transaction please help me resolved this problem TD Bank is Stealing My Money Off My Checking Account