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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-09-17
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. (MA)

I have spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (UT)

This happened years ago, before the CFPB existed. 

I notified Sallie Mae multiple times that I wanted my extra payments applied to the principles of my highest-interest loans. I called them when the principles were instead applied to my lowest-interest loans. They never changed it, and eventually I gave up. Please make them stop doing this to people!
Consumer complaint received 2023-01-27
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-27
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-25
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS REMOVED.
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

Dear whom with concern, Hope all is well. I'm XXXX XXXX and thanks for your help. 

Actually, I got a letter from collection company 'Transworld System Inc. '. 
This is related with XXXX XXXX XXXX XXXX. I called to the company and they said it's about {$320.00} for 3 toll violation collections. Each is {$100.00} and the original amount is less than $ XXXX. I don't know when was the violations. I have XXXX account and I always pay the toll automatically by the Tag by XXXX since XX/XX/2016. I have all the transaction histories. 

I called the XXXX and they told me it's already transferred to the collection company and they don't let me know when was the violations. And the collection company wants to contact XXXX. 

so could you contact them and adjust total amount? I'll pay for the original amount but I can not pay over {$300.00} for them. And I'm worry about my credit history. 

I attached the letter for {$210.00} and evidence of XXXX account since XX/XX/2016. 

Thanks, XXXX XXXX
Consumer complaint received 2019-10-21
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: Experian Information Solutions Inc. (FL)

On XX/XX/2019, XX/XX/2019 and XX/XX/2019, I sent certified letters to Experian ( copies with proof of delivery attached ) requesting the removal of XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX, which are debt collectors, not creditors. I have never received any credit from XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. To date, Experian continues to report these accounts without conducting a reasonable investigation and providing proof of the debt to me. I requested proof of the debt from Experian according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I have not received validation of any of these accounts. I don't know how Experian can continue to report a collection trade line without evidence of the debt. Experian 's actions are hindering me from obtaining a mortgage to purchase a home.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I have been a client with Citibank for over 30 years. My wife and i have a joint checking and savings account. In XX/XX/2018 we received notification of a Know Your Client program at Citibank, which honestly appeared as if it were a scam. I went into a branch and after checking with the branch manager, and being assured it was real, answered the questions over a telephone line clearly outside of the United States. I felt the questions were quite intrusive ( including employment information, salary information, etc. ). My wife had received the same correspondence. We assumed since it was a joint account with my name listed first, because I had answered the questions no further action was required. On XX/XX/XXXX we went to withdraw funds and discovered our account had been frozen. We immediately called, found that they needed the same questions answered by my wife, and we immediately provided the information. We were promised the account would be unfrozen. In the meantime, the bank bounced all of our checks and we had no access to our funds or to make transfers. During the ensuing four weeks, we have called daily and lodged complaints, and requests for the accounts to be unfrozen, all to no avail. We still have no access to our funds or our account.
Consumer complaint received 2017-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Trust Cash, LLC (PA)

Loan originated on XXXX XXXX, 2017 for {$700.00}, loan # XXXX. The payments that have been made thus far : {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$50.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 {$140.00} XXXX XXXX, 2017 Total amount paid {$1000.00} When I sent an email around XXXX/XXXX/2017 requesting to make payment arrangements, I was told that I had several more payments remaining. I personally feel that with the payments I have made to date, this loan should be considered as paid off.
Consumer complaint received 2018-07-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

To Whom It May Concern, XX/XX/2018 My complaint is against Fay Servicing as they were assigned my Mortgage while I feel behind during my divorce. I had file a complaint in XX/XX/XXXX ( XXXX ) regarding a lien that was placed on my property for unpaid utilities and XXXX  quarter taxes, in their response to that complaint they stated that it was for utilities alone and that they werent responsible for those which is true however there was also the XXXX  quarter taxes in that lien for which I borrowed the money from my employer to pay this lien on XX/XX/2018 ( see documents ). I called my case manager XXXX XXXX and explained all this to him but he stated they paid the taxes. I then went to the XXXX City tax off ice and spoke to XXXX, the tax collector and he printed everything out for me for which I had sent to my case manager and called to follow up but he never called me back. The only thing that was resolved from that first complaint was that they did grant me a temporary mortgage modification agreement for which I agreed to accept. I am still waiting for the credit ( {$1000.00} ) to apply to my account for the taxes I paid however my case manager XXXX XXXX stated via phone this morning that they are not going to refund me that money as there is no shortage on my escrow account however my mortgage includes the insurance and tax payment therefore I am paying paying them twice, once to the city on XX/XX/XXXX and again in my mortgage payments. I also never received and explanation as to where the {$47000.00} they received from the XXXX went toward my account as it appears there is still a forebearance showing on my account and that money issued to them in XX/XX/XXXX. shouldve covered and past due payments, taxes or fees to my account when I feel behind.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I filed a complaint against Synchrony Bank for a promotion they offered, spend {$500.00} between XX/XX/XXXX and XX/XX/XXXX on non Gap brands and receive a {$50.00} gift certificate for XXXXGap. I called the bank/credit card company numerous times and could not get this {$50.00} credit. On XX/XX/XXXX I filed complaint # XXXX. A representative of the bank called me a short time after this and said they would look into this offer and get back to me. That was 5 weeks ago and I have not heard anything further. Looking at your CFPB site, I now see they have closed my complaint. 
THIS IS NOT CORRECT. I have not received my {$50.00} credit or heard back and they have no right to close this complaint. 
I can not spend more time on this and receive another patronizing phone call. Five weeks was plenty of time to investigate my complaint. I need to receive my {$50.00} credit now. 
XXXX XXXX
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I received the American Express XXXX XXXX card in XX/XX/XXXX. Part of the promotion was that I would receive a free weekend night certificate to use at any hilton hotel upon payment of the annual fee after holding the card for 1 year. At some point in XXXX Amex had a brand change where they automatically changed all Amex XXXX XXXX cards to Amex XXXX XXXX cards. This rebrand included new terms where consumers now needed to spend over {$15000.00} to receive a free weekend night at a XXXX XXXX. These WERE NOT the conditions to receive the free weekend night when I applied for the XXXX XXXX. 

I have held the ( former ) XXXX XXXX card for over 1 year and paid the annual fee. After repeated attempts to work with Amex to grant me the free weekend night certificate, I have not yet received the certificate. I have acted in good faith and fulfilled all of my obligations under the credit card agreement that I signed up for. I want Amex to honor their obligations and provide me the certificate as promised.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

Amerisave Mortgage charged my card {$500.00} on XX/XX/2020. Today is XX/XX/2020. The company has not answered any of my emails regarding return of my funds in that they have not provided any disclosures other than flood certificate info and other not useful information. I have NOT received any documents whatsoever showing what my closing costs might be. Further, my desire to use my own attorney and title company seems to have fallen on deaf ears in so much as Amerisave info reviewed online always shows that they are mandating use of their choices. I want my money back. I have emailed the rep, who goes by the name XXXX XXXX XXXX, has not responded in over a week. Please help make this right. I am clueless as to my costs and how appropriated. Additionally, Amerisave has seperated my refi into 2 loan docs for some reason. I think to make them more money.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, Equifax, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, Equifax, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit :  {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX : Date opened : XX/XX/XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Fraud has been committed by XXXX XXXX XXXX account appears on my consumer report I never gave them permission to report to my private property. This account do not belong to me.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

This credit card account was a result of identify theft. I reported this to the credit bureaus once I noticed it on my credit bureau reporting and it was confirmed fraud and removed off of my credit report. I never heard anything else regarding this account until I saw my XXXX XXXX XXXX  account was deducted over XXXX  XXXX XXXX. I spoke to XXXX XXXX and they advised me that it was a garnishment and provided me with the number to LVNV Funding. Once I spoke with them they advised that it was a garnishment on my wages and should not have been deducted from my bank account, however I advised them at that time that this was an account that had already been disputed and I should not be held responsible for this. I never received any type of court document or notification that they were even pursuing a garnishment because they sent it to the fraudulent address. A month after I spoke with them I received a notice stating that they were releasing the garnishment on my bank account so I had assumed that it was taken care of. However, on XX/XX/XXXX I received a notice to my address that they were going to pursue a garnishment on my wages once again. I did not apply for this account and I have never used this account they are trying to garnish me for. All of my credit cards have always been in good standing.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

On XX/XX/XXXX I paid my XXXX statement of {$2300.00} and also paid an additional {$200.00} to the principal which brought my outstanding principal balance to {$450000.00}. On XX/XX/XXXX the servicing of my mortgage was transferred to Mr Cooper. 

Mr Cooper issued me a statement on XX/XX/XXXX showing an outstanding principle of {$450000.00} and an amount due of {$4600.00}. when I called and asked why the principle is high and the amount due is double they stated they had not received the XXXX payment I made with my old servicer. 

Understanding that it takes time for the accounts to update I made a regular XXXX payment on XX/XX/XXXX in the amount of {$2300.00} AND an additional {$250.00} towards principle. when I checked my account a few days later the XXXX payment had not posted and Mr Cooper did not apply my additional {$250.00} towards my pricinciple. When i called and asked why they said they could not move the {$250.00} towards my pricinciple because my account was past due. Trying to pay off debt and not being able to be can be frustrating. 

I then called my old servicer and asked if they had sent my XXXX payment of {$2500.00} to Mr Cooper. They said they had. They wired the money to Mr Cooper on XX/XX/XXXX. 

Seeing that was over 10 days ago I called Mr Cooper to please issue a ticket to find the money and apply it to my account so that my account is corrected and that i can apply extra payments to my principal. They then told me to go back to my old servicer and ask for the wiring information to prove that there was a XXXX payment. 

I do not feel I am making progress with Mr Cooper in getting this payment recognized and the fact that Mr Cooper will not issue a ticket to investigate this XX/XX/XXXX payment leads me with doubt that they will correct it which is why i am submitting this complaint.
Consumer complaint received 2020-09-17
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)

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX/XXXX  : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit :  {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX/XXXX  : Date opened : XX/XX/XXXX
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (DC)

Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, Navient reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation (TX)

Dear Consumer finance team, We have had a conventional loan for our property in XXXX, TX since XX/XX/XXXXwith our lender, SWBC mortgage. We were never late on payments and in XXXX we took advantage of the CARES act forbearance plan, as provided by federal government. 
This was due to financial hardship and thankfully, we were able to resume monthly payments in XXXX and we were current ever since. 
Because we have been paying PMI on our loan since XX/XX/XXXXand since our home value has increased substantially, we asked SWBC for the PMI to be removed but were told because we took advantage of the CARES forbearance program, our payment is considered late in XXXX and that we no longer qualify for PMI removal, despite our good payment history and despite the property value increase. 
We find it to be very unfair to be put into this position because according to their assertion, we may never qualify for PMI removal since the CARES act caused a late payment in their system. 
I tried numerous times to reach out to the SWBC team to find a fair solution to this, but unfortunately, no one could help me with my ask. 
The COVID pandemic was not our fault, and I find it unfair to be penalized by my mortgage company for something that is an act of XXXX. 

I really hope you can help me with finding a resolution and thank your team in advance.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I called XXXX and Equifax to dispute several unverified, fraudulent inquiries from my consumer Report they told me I had to file a Ftc report and I have to send it in the mail to them before they can do anything. I will attach a copy of the information I asked them to remove. 
Name Requested On 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want this information removed.
Consumer complaint received 2020-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is XXXX. They give XXXX  XXXX  XXXX and not XXXX. Wells Fargo also give XXXX all the loans. My credit score is over 700 and I wanted to do debt consolidation and the XXXX  XXXX  loan supervisor talked to me like I was slow. Wells Fargo is very XXXX