davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-18
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Accredited Collection Service, Inc. (NE)

I called  the Accredited Collection Services to set up a paymen t plan for a debt that I owed.  XXXX  the representative on the line was extremely rude and would not work with me. He told me the " full amount had to be paid today or they would take further action ''. I did not have the full amount and explained I could make payments. He got extremely rude and told me I have had plenty of time to pay this debt and I owed this money now. I ended up saying goodbye and got onto there website to contact customer service about my situation by email. The response was to contact ACS by phone.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

I fell victim to a Crypto investing scam where I was purchasing BTC for a investor that seemed legit with promises of high returns. I was sent a website with a login and everything watching the funds rise. It was when it was time to withdraw that they kept asking for more fees where they eventually disappeared and stopped responded when I refused to send another dollar. My bank will not do anything for me on this when they were authorizing these transactions left and right. They should have never allowed transactions like this to go through when the receiver was suspicious. I am not protected in any way by this Federally Insured Institution. 

These various transactions dated between XX/XX/2021 and XX/XX/2021 totaling {$11000.00} plus {$130.00} International Fees due to these transactions. 

I have disputed all transactions with my bank and they denied them all. I spoke with several people at the Institution and they had be resubmit them and they were denied again. 

I have also reached out to all Crypto exchange companies where they also denied me any resolution. All transactions are included.
Consumer complaint received 2022-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

I applied for forbearance In XX/XX/XXXX and was approved. I requested an extension in XX/XX/XXXX so my forbearance ended XX/XX/XXXX. The mortgage company reported 120 day late on my credit report in XX/XX/XXXX which caused my credit score to drop almost XXXX points. I filed a complaint and they fixed it, only for it to be reported back on my credit report 1 week later with another 120 day late. I now have to contact all the credit bureaus once again to try and get this resolved when I just had to do this 2 weeks ago. 

I was also awarded $ XXXX to pay back the past due balance from New York XXXX XXXX XXXX XXXXXXXX. They have been waiting since XX/XX/XXXX to hear from Cardinal Finance on how they would like the funds and Cardinal Financial has not responded with that information. They are doing nothing to resolve this issue and they keep reporting me to the credit bureau although I was in forbearance. I am getting extremely frustrated with this mortgage company as they are causing me extreme stress.
Consumer complaint received 2022-08-09
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: STATE EMPLOYEES CREDIT UNION (NC)

n accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a 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 2022-08-10
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. (SC)

A line of credit or credit card was opened in my name on XX/XX/22 at XXXX XXXX XXXX for {$10000.00}. My credit report shows a balance due and that payments were late. I DID NOT request, receive, or use this line of credit. This is fraud and done by someone I don't know. It has negatively impacted my credit and put me in debt for an amount I DID NOT request, receive, or use. I reported this to XXXX and XXXX on XX/XX/22 and called and emailed the XXXX XXXX XXXX the same day. I haven't gotten any response.
Consumer complaint received 2017-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

I received nothing in writing for this debt whatsoever or even knew they were going to damage my credit. On top of that ive had this debt removed from my credit report 3 or more times and they keep popping back up under a different collection agency which is illegal. Once i win a dispute its supposed to never pop up on my credit again
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I am moving to XXXX, VA, soon and was apartment hunting. I found an ad on XXXX for a unit so I reached out about the availability and eventually signed a lease. Since I signed a lease, I thought everything at this point was fine and legitimate, I've done this sort of apartment hunting before and never had any issues. I signed a lease on XX/XX/2021, and sent over {$1700.00} via XXXX for the security deposit and first month 's rent. On XX/XX/XXXX, I inquired when the keys would be sent to me and I was asked to pay the second month 's rent as a precaution, which didn't seem like a big deal to me, considering the keys were supposedly being sent across the country. After I sent over the second month 's rent, another {$1200.00}, my " landlord '' has gone completely silent and now I'm out of this money. Whoever I was in touch with is pretending to be the owner of the unit and is stealing someone's identity in the process. I am now out {$2900.00} and I have no way of getting it back.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Transunion concerning information on my credit report # XXXX. 

My personal information concerning my address is incorrect and I have contacted Transunion multiple times to have this information corrected and ands deleted where applicable. The number is also inaccurate and never been associated with me. 

The following addresses are being reported incorrectly : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XX/XX/XXXX ( as my utility bill shows this is incorrect I have never lived here ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX ( This address is missing my apartment number XXXX ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX ( This address as per my driver 's license was a previous address ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date XXXX XX/XX/XXXX ( This address is not mine or associated with any account being reported on my credit report ) Other Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX ( not an XXXX I have ever been associated with or any accounts I have ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX XXXX incorrect apartment number ) Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Reported XX/XX/XXXX ( incorrect apartment number ) Phone Number ( XXXX ) XXXX Those attempts have been unsuccessful despite me provding a copy of my social security number, driver 's license and utility bill where I currently reside.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a card in the mail from Citizens Bank stating I could " get up to {$700.00} ... '' if I opened both a checking and savings accounts, and followed the conditions stated on that card. I did so, even walking through the set up with their representative, following all conditions correctly. But they did not follow through with their payment, and said so on the phone.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IN)

This is th e 3rd ti me that equifax released my credit information to companies fraudulently and when told that it was fraud they refuse to remove it. My credit has had  XXXX  inquiries from   XXXX   and  XXXX  from  XXXX .  XXXX  will not remove it unless there is a police report. The point is equifax was the that refusing to investigate and remove the fraudulent inquires.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC. (OR)

The company contacted this place of business on an Emergency contact line with a recorded phone call asking for us to call back. When called back they would not assist in removing the group of numbers they contacted and were told to not contact this business regarding any debt collection. We have received repeated calls from this company with no ability to talk to someone or remove our number from their list when we receive the call, and when called back they said they did not call the given number. The line they called is designated for emergencies inside the building and we treat all calls on that line as an emergency, and should not be getting robocalls from debt collectors.
Consumer complaint received 2022-08-10
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. (SC)

A line of credit or credit card was opened in my name on XX/XX/22 at XXXX XXXX XXXX for {$10000.00}. My credit report shows a balance due and that payments were late. I DID NOT request, receive, or use this line of credit. This is fraud and done by someone I don't know. It has negatively impacted my credit and put me in debt for an amount I DID NOT request, receive, or use. I reported this to Transunion and XXXX on XX/XX/22 and called and emailed the XXXX XXXX XXXX the same day. I haven't gotten any response.
Consumer complaint received 2015-06-25
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC. (CA)

In late XXXX 2015, I cosigned an auto loan for a grandson living in XXXX XXXX, North Dakota. The paper work was XXXX and signed XXXX XXXX, 2015. However, starting the XXXX week of XXXX 2015 I received various notices from different banks stating that the auto loan had been denied do to my bad credit : SunTrust, dated XXXX XXXX, 2015 ; XXXX XXXX, dated XXXX XXXX, 2015 ; XXXX, dated XXXX XXXX, 2015, and XXXX, dated XXXX, 2015. All these banks turned my credit down. See attached copies. 
During the XXXX week of XXXX 2015, SunTrust sends me a notice, dated XXXX XXXX, 2015, stating that the auto installment payment is overdue!!! I was aghast at this notice because SunTrust had turned my credit down on XXXX XXXX, 2015, and now they were asking for their auto payment installment. Since the XXXX XXXX, 2015 letter by SunTrust turning down my credit, I had not received anything to the contrary from SunTrust, or any other bank that had turned down my credit for the auto loan. 
Upon receipt of this XXXX XXXX, 2015 notice by SunTrust asking for their auto payment installment, I phoned the bank stating that I had no auto loan with them because they had turned down my credit in a notice dated XXXX XXXX, 2015. How could this be? I asked them. They stated that they could not do anything about it, and for me to get ahold of the auto dealer in North Dakota. I called the auto dealer in XXXX XXXX. The auto dealer stated that the banks had turned down my grandson 's credit but not mine, and that my credit was good, and therefore they had released the auto to my grandson on XXXX XXXX, 2015. I said how could this be since SunTrust notified me my credit was bad, and they could not proceed with the financing? Again, they repeated that my credit was good and therefore they had released the auto to my grandson. I could not understand their logic. 
Once those banks turned down in mass my credit application, which I had signed in good faith, I completely gave up. I started to inquire the credit reporting agencies why my credit was bad. My issue is why would SunTrust Bank turned down my credit, and then turn around, a month later and ask for a late auto payment installment? SunTrust Bank, nor any other bank that turned down my credit, never ever notified me that my credit had been approved after all. It does not make sense. I state that I have no credit with SunTrust Bank because they denied my credit on XXXX, 2015.
Consumer complaint received 2018-03-21
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. (CA)

Back in XX/XX/2017 XXXX, XXXX and Transunion made updates when it comes to how items such as tax liens appear on credit reports. I waited for about 2 months for something to happen, XXXX  on their own removed the 2 tax liens on my file, for XXXX I had to request a dispute, and the results removed the 2 tax liens from my XXXX credit file. Now, after filing 2 disputes online and 1 over the phone with Transunion, they still have not removed these 2 tax liens. I do not understand why, if the same information is getting reported to all 3 credit bureaus, why is Transunion not removing these tax liens due to the new requirements for these types of public records when the other 2 credit bureaus have followed the guidelines. all my information is the same on all 3 credit files. I would like these removed as soon as possible as XXXX and XXXX have already done so.
Consumer complaint received 2017-10-16
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: Experian Information Solutions Inc. (FL)

this is like the 15 th time i have had to make a report about this credit reporting agencies, experian, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX 2017 FROM XXXX XXXX/XXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX COUNTY 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One 360 money market account and checking account sporadically closed on X/XX/17 with no notice except for a call a week earlier about verifying account activity ( linked external accounts ). Contacted customer service three times, refuse to tell me anything. I had no notice, no options on where my money went - though it was transferred to an external ( not preferred ) account. No calls, no communication, nothing. Extraordinarily unprofessional, yet I want it reopened and/or an explanation ( one that is n't a canned response ) as to why it was closed. Primary checking account # ended in XXXX
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (WA)

On XX/XX/XXXX, I submitted PSLF update for months worked this year. I also submitted a REFUND REQUEST for my payments made under the CARES act between XX/XX/XXXX and XX/XX/XXXX to XXXX. The sum total of those payments was approximately XXXX $ and I submitted records of all payments made ( both my bank account and XXXX XXXX ). I spoke with XXXX, employee ID XXXX. 

On XX/XX/XXXX, I requested an update on my refund request. I spoke with XXXX, employee ID XXXX. She said that the previous entry had been done incorrectly - that all of the payments were lumped when in fact they needed to be entered into separate scripts. She said that she had re-entered them correctly but said it could take up to 120 days for payments to come through. 

On XX/XX/XXXX, I received notice that my PSLF had gone through and I had XXXX dollars left on my loan principal/interest! I was very happy about this but have yet to hear about my refund requests. 

I am reaching out now because I have no updates on my ( XXXX $ ) refund request to this point. I have seen posts from people stating that 1 ) they are receiving refund requests within 10-14 business days and 2 ) often, refund processing was preceeded/helped by a complaint to CFPB. I am requesting your help to get FEDLOAN/Dept of Treasury to please process my refund request, as they are doing for others. Please, I would greatly appreciate anything you can do to speed them up!
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I received an email from XXXX saying my application was submitted to XXXX XXXX XXXX XXXX XXXX and it was declined. I did not apply for any loan and I also have a fraud alert on my credit report. No one tried to contact me via any forms of communication I have listed on my credit report to let me know someone was trying to use my credit. Instead they ran my credit and submitted me for a loan. I have tried to email and call XXXX, but there is no customer service phone number. The number I did find was no help at all. It was just an automated system. I reached Out to XXXX and told them this was a fraudulent application. They told me that they can only have the application in " identity theft '' status for 7 days. I'm on the phone telling the representative that I did not authorize this and she says that is there policy. I need for XXXX to take my personal information out of their system!! And now I have an unwanted inquiry on my credit report!! XXXX did not do their due diligience on verifying my identity. All they are concerned about is making a loan/profit!!!
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

When trying to obtain a loan modification after filing bankruptcy XX/2016, Ocwen has failed to comply with the bankruptcy courts to confirm the amount owed on the loan to be able to confirm my repayment plan to the Trustee as well as my numerous attempts to obtain the proper paperwork to have them assist me in a successful loan modification. I have also requested regular monthly statements to be mailed to me and these also have not been successful.
Consumer complaint received 2022-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In XXXX of 2022 this year, I submitted a request to the credit bureaus because I noticed that there is some inaccurate information being reported being reported on my credit reports. I have not received the information back about these accounts or how the accounts were verified to be placed on my credit reports. I am also aware that my information was in the recent Equifax Data Breach in which I have asked that all bureaus remove the non-account holding inquiries and inaccurate personal information from my credit profiles. Of which I have received no correspondence back at this time. I am requested for these to be deleted from my credit reports immediately.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On XX/XX/15 there was a judgment that was put on my credit report that I have been saying all along was false information that I had my proof it was satisfied when I went to court and they put on my report as not being paid I got my proof from the courts that this has been satisfied and should not be on my credit file I did not get evicted the XXXX court sent me what I needed to clear this up thank you
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KY)

I have a promotional card with XXXX XXXX Synchrony Home until XX/XX/XXXX. 
By paying {$75.00} a month my promotion would be paid off early.

The minimum due is {$64.00}, I have been making payments of {$75.00} siXXXX  XXXX of XXXX. 
I thought i was set up on autopay payments, but it was multiple. I missed my XXXX payment by XXXX days. I logged and set up my payments for another year. Today I noticed, that they charged me {$29.00} for XXXX, and additional {$40.00} for XXXX saying I have an {$18.00} amount past due. How is this possible when I have paid {$200.00}, more than I am supposed to, and now they are saying my minimum payment is {$100.00}. This is a promotional purchase until XX/XX/XXXX.