davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

This complaint is to Experian, XXXX, XXXX. They claim they verified all information with furnisher who is XXXX XXXX. I call about complaint because CFPB said they needed more information. Called Experian the person on the phone couldn't find any info on complaint as per XXXX,. I gave them this number and they pretended to not know what i was talking about.
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I have had incredible issues with CMC funding. 

Initially I made a principal reduction payment with my prior servicer and for over a month the company could not find my payment. They continued to call me for payment collection despite thousands of dollars missing in their system. 

My biggest issue is that as a consumer I don't feel like I have any out from this servicer. They don't take any action, don't follow up and obviously I still have to make my payment on time or I am hit with a penalty. 

They also double paid my property tax bill. I have asked for them to please get the county to refund it and for them to do an escrow analysis. Neither has been completed and every time I call in no one has any recollection or notes of the prior conversation. Again, with any other institution I would just terminate my relationship, but I can't do that here.
Consumer complaint received 2023-01-28
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. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2020-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Dear CFPF associates, In XXXX, I agreed to Credit Protector insurance for one of my XXXX credit card accounts only because I misunderstood or was misinformed about the cost. When the paperwork arrived, my wife informed me of the actual cost. I was going to cancel it, but my wife asked me to keep it. In XXXX, I was diagnosed with a new XXXX  and XXXX  disorder that I was unable to manage. In XXXX, I had to stop working and applied for XXXX XXXX XXXX. I continued to pay all of my debts as usual. My wife reminded me about the XXXX acct. with the Credit Protector and I applied for their job loss benefit in which they freeze your acct. In XXXX of XXXX, I received notification from Credit Protector that the job loss benefit was accepted and implemented. A few months after, I notified Credit Protector that I received a fully favorable XXXX XXXX XXXX ruling and sent them a copy of the ruling, SSA approval letter and the medical documents used to make the determination. I also applied for their Credit Protector XXXX XXXX XXXX benefit in which they pay the balance of your acct. over 24 months up to {$10000.00}. A few weeks after, I received a response from Credit Protector stating that they accepted my XXXX XXXX  XXXX status, but requested that my physician fill out and sign a form. After receiving the form, I dropped it off at his office. The following week, on my next appt., I reminded him about the form, he informed me that he couldnt do it. He stated that he doesnt do any of that paperwork for credit card companies, nor does he know any other neurologist that do, due to the risk of having to appear in court and being inaccessible, in case of a dispute. This is when all of the problems started. Attached is a narrative of what followed along with complaints to the parties involved.
Consumer complaint received 2021-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: TRUIST FINANCIAL CORPORATION (WV)

I applied for a loan over the phone. Their claim was that they were from XXXX XXXX XXXX  XXXX XXXX. I gave them all of my info. Their phone numbers were XXXX and XXXX. They deposited {$500.00} into my account. I was told to go buy a XXXX gift Card for XXXX and send them the numbers from under the scratch off. This first transaction was a test to make sure it worked. The second day they deposited XXXX into my account. Told me to buy 4 XXXX Gift Cards at XXXX each and the remaining would be the first portion of my XXXX loan. They got access to my account and took a lot more than was planned. BB & T froze my accounts and made me pay for what they had taken. It cost me around XXXX.
Consumer complaint received 2020-06-28
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. (VA)

The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by TransUnion, XXXX, and XXXX  and they have not removed it from my credit report.
Consumer complaint received 2021-02-22
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: JPMORGAN CHASE & CO. (TX)

I made a purchase online for some living room furniture from XXXX XXXX XX/XX/XXXX in the amount of XXXX. By XX/XX/XXXX I still hadn't received the furniture and requested a refund on XX/XX/XXXX. 

On XXXX/XXXX/XXXX I was given a delivery date the week of XX/XX/XXXX. 
XX/XX/XXXX my credit card with Chase Bank was charged {$2800.00} After several more requests for an update on XXXX/XXXX/XXXX I was given a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I was given a delivery date of week of XX/XX/XXXX I as informed on XX/XX/XXXX that the " authorization charge '' had been cleared, however Chase had billed me and I have paid the {$2800.00} which, so far, has not been refunded. 

On XX/XX/XXXX I opened a complaint with Chase and was told it would be looked into. I have provided extra information including all the promised and missed delivery dates, and the fact that I canceled my order and requested a refund. 

Today XXXX XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from Chase to tell me my claim has been denied and that the disputed balance will show up on my next card statement, so now I'm going to be paying twice? 

I need for Chase Bank to refund the {$2800.00} that the merchant is refusing to refund.
Consumer complaint received 2021-08-09
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: TD BANK US HOLDING COMPANY (NC)

I received my statement from TD saying I owed them XXXX via email, I found it weird I owed them that much. Unfortunately, I was unable to see the entire statement. Me always trying to be a good person with my bills I paid the entire bill in fact I had overpaid in the amount of {$540.00}. When I received my statement in the mail, I realized that they had charged me for the transaction to XXXX that was originally declined and flagged as fraud, in which I had already called them and told them that I was trying to pay for tickets, and it was declined so I had to use my XXXX XXXX  credit card. The lady I spoke to told me not to worry since it was declined, I was not charged, in fact, that was not true I was charged, and I called back and on XX/XX/XXXX and started a dispute. Overall, these weeks, I have spoken with XXXX, XXXX, XXXX, XXXX twice, XXXX, XXXX, XXXX, and XXXX. They continue to say they have not received the documentation they need. Yet I have proof they were faxed twice and finally, I sent it to them with signature confirmation which an XXXX XXXX signed for it on XX/XX/XXXX. They continue to say it is not in their system. They have railroaded me for over 2 months now and they owe me {$500.00}. I had to go to my bank to fight them and even they are waiting for them to respond. There is never a supervisor available with them. At this point I want everyone to know about this. I am attaching a 30-page document showing proof of the overpayment the fact I used another card and proof they have received the documents they requested three times.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My account was charged off in XX/XX/XXXX with a balance of {$35.00}, XXXX. The same account is charged off again XX/XX/XXXX and XXXX, XXXX with a new balance of {$36.00}, XXXX by XXXX and Equifax respectively. I had noticed a change in my account balance by XXXX and Equifax. This prompted me to send letters to the 3 credit bureaus because my account information/ balance should be uniform across the credit bureaus if it is coming from a single source ( XXXX XXXX XXXX. Subsequently, Equifax simply updated my balance from {$35000.00} to {$36.00}, XXXX with a new charge off date of XXXX, XXXX. This doesn't seem right because the same account should not be charged off again. Also, it doesn't make sense that 3 credit bureaus are reporting different information from a account that is coming from a single source. 

XXXX XXXX  is aware of this as I also requested for a full validation of my account, including the original signed contract with my signature.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

Received a letter from Afni Inc : based in  XXXX , IL, stated that they are collecting a debt for   XXXX   XXXX   XXXX   XXXX   for  XXXX  dollars. Called the   XXXX   XXXX   XXXX   to verify the debt, they said there is no collection or any balance owed for me. This letter is a scam. I also checked my credit report for this collection, it showed nothing negatively.
Consumer complaint received 2018-07-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America had provided me with a car loan that was linked to my ex-boyfriends ' bank account. Every time I tried to make a payment. It was near impossible because they require that I provide them with my ex-boyfriends credentials and due to me not having this information the system and operators kept rerouting my calls ; " the run around ''. After a few calls there were times that I had to wait for days for a call back from the company so they could accept a payment. At times I made double payments just to avoid the hassle of having to commit so much energy and time to keep my account updated. In between the months of XX/XX/XXXX and XX/XX/XXXX I reached out to the company to make a payment and the operator stated she will have someone call me back to be able to process the payment because once again I did not provide them with my ex-boyfriends personal information. Finally, when the company called me back it was their collection department that demanded a payment and that " they did not care where the payment was coming from as long as they get a payment ''. I explained my situation to the operator and agreed to make a payment, but their system had reported inaccurate information on my credit report " delinquent ''. the operator said " that no one, has the authorization to correct this error ''. but she will noted on the account for someone to call me back. when I received several call backs from the company, everyone stated the same argument. " that there is nothing they could do '' I currently have some of the recorded phone calls with the various operators harassing me instead of trying to find away to fix the problem. due to their negligence of recording accurate information on my car loan in a timely manner, placed me under the category of delinquency because of this interpretation I was denied credit which accompanied an economical depression and tremendous emotional damage a violation in ones investments aspirations. Even though there is an insufficient compensation amount set for emotional damage referred to as " pain and suffering '' therefor I am in the pursuit to restore some of the damage in regards to the restoration from defamation of character on my credit report which caused a financial set-back.
Consumer complaint received 2017-08-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

Navient took advantage of me from the years of XXXX - XXXX. I basically struggled to find support from my family, and even worked full time yet I still needed student loans to go to college. I was stupid, and did not realize the consequences of my actions. But they preyed upon me. They knew my debt situation and that I would be in complete debt when I got out of college, yet they kept giving me loans. My Uncle and Mother co-signed. And it has created a permanent rift in my family. I have a family, and struggle to pay my student loans. I have placed them I in forbearance without being told there was a limit. My family will starve as the student loans continue to grow. They worked out a semi payment plan with me. Even though they were still going to charge me interest. It still XXXX me over. My payments are over {$600.00} a month. Navient does not care about my life or yours. They care about getting as much money as possible. They give me strong and severe anxiety to point I contimplate how I am going to be able to provide eggs and bread for my family. 
It is not fair. They condemned me to a life of XXXX and harass me well knowing I do not have the money. I do n't know what else to do. I hope you are proud of yourselves for preying on the innocent future of this world. You have destroyed my life.
Consumer complaint received 2018-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, Transunion and XXXX are reporting a private loan from XXXX   account number XXXX though the timeframe for the creditor is obsolete. According to the guidelines for a private loan, if you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment. XXXX is reporting that late payment started in XXXX to fraudulent keep this obsolete creditor on my credit file. I have never paid anything on this loan there for a loan that was originated in XX/XX/XXXX according to XXXX should be obsolete as of XX/XX/XXXX. XXXX claims they verified the loan, which I do not understand why an obsolete loan would require verification but since you XXXX  claimed XXXX  verified, I requested on several occasions the Method of Verification for verified dispute ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have also requested the name, address and phone number of the original creditor for verification. I am also requesting again the original opening dates of accounts and the entire payment history associated with the accounts. Also, XXXX is reporting a fraudulent balance on the account of {$72000.00} off of a {$33000.00} original balance which that is excessive and not correct. Also, they are reporting an address that I have never heard of or have been associated with COUNTY ATTORNEY XXXX XXXX, CT XXXX, I want it removed.
Consumer complaint received 2020-05-14
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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2018-04-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX and XXXX are reporting a private loan from XXXX   account number XXXX though the timeframe for the creditor is obsolete. According to the guidelines for a private loan, if you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment. XXXX is reporting that late payment started in XXXX to fraudulent keep this obsolete creditor on my credit file. I have never paid anything on this loan there for a loan that was originated in XX/XX/XXXX according to XXXX should be obsolete as of XX/XX/XXXX. Experian claims they verified the loan, which I do not understand why an obsolete loan would require verification but since you Experian claimed XXXX verified, I requested on several occasions the Method of Verification for verified dispute ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have also requested the name, address and phone number of the original creditor for verification. I am also requesting again the original opening dates of accounts and the entire payment history associated with the accounts. Also, XXXX is reporting a fraudulent balance on the account of {$72000.00} off of a {$33000.00} original balance which that is excessive and not correct. Also, they are reporting an address that I have never heard of or have been associated with COUNTY ATTORNEY XXXX XXXX, CT XXXX, I want it removed.
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I attempted to close my checking account back in 2016, around XX/XX/XXXX I contacted the bank through the online banking and was notified that I would need to contact my local branch. I contacted my local branch and was notified that I would either need to go in person or send a written letter requesting the close. I opted for the latter. I recently discovered that they either never received my letter or never processed the request. As a result, my account remained open. Moreover, my account has been moved to " dormant '' status and I have been assessed monthly fees, with more about to come. I again contacted the bank to close the account. This time, they notified me that since my account is in " dormant '' status, I would again need to visit in person or send a letter. As I have already attempted the latter, can not do the former, and with the clock ticking before the next monthly fine comes, I seem to be out of options.
Consumer complaint received 2020-06-28
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. (CA)

There is an account from XXXX XXXX  on my credit report that is not mine. The only reason I even found out about this account is because I was denied from. getting a personal loan at XXXX today XX/XX/27. I did not open this account and I did not give anyone permission to open this account in my name. I am not affiliated to this company in any way nor did I benefit anything as a result of this account such as money, goods, services or any other benefit nor did I ever make any payments that might have been made towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2017-08-03
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. (GA)

I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX XXXX XXXX. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.