davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ACS Education Services (AZ)

Last XX/XX/XXXX, I called ACS two months prior to my forebearance ending to see about putting my loan in forebearance another year. I have not worked since XX/XX/XXXX and I had to file for XXXX. My hearing for XXXX is in or around XX/XX/XXXX. By then, I will know if I have an income or not and begin making payments. I fully intend on paying my loan back. I had been paying on it on a regular basis for years without missing a payment. However, after my XXXX in XX/XX/XXXX, I have not been able to go back to work and filed for XXXX. 
Last XX/XX/XXXX, when I called ACS to find out my options for another forbearance, they emailed me the form same day. It was confusing so I called them for answers, telling them no change from last year and I was advised on how to fill it out. I sent it back regular mail in XX/XX/XXXX. I did not hear anything back either by regular mail or email. I called yesterday afternoon and I was told it was denied. I asked when. She said XX/XX/XXXX! She also said they put you on another program. I said wait a minute. I 've done everything they have asked me to do and they ca n't even notify me correctly of their decision and they want me to pay when I do n't have a job? She said to fill out the form again. She was n't knowledgeable in helping me fill out the form right. I lost confidence in ACS. They never used to be this bad. I am requesting another year of forbearance. I have yet to receive the response they said they sent me denying the forebearance so I have nothing to attach.
Consumer complaint received 2021-06-06
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 noticed there was an inquiry on my report that I did not recognize. I contacted Transunion and told them I did not apply for anything from this Us small Bus and requested that it be deleted and they refused. I want this deleted ASAP.
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (AL)

On XX/XX/XXXX A Debt Validation Letter was sent. This is very harmful to my credit as I apply for my first home. On XX/XX/XXXX a letter was sent as of today XX/XX/XXXX this debt has not yet been proven to be owed by me.
Consumer complaint received 2021-06-06
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: EQUIFAX, INC. (MD)

XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Hello , I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (IL)

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. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2017-10-13
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. (NJ)

Credit co reflecting XXXX is 60 days late ... .it was totaled and paid off by insurance and GAP insurance. XXXX claims they were short paid by GAP insurance, chasing me for money.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the CRA & XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

I refinanced my condo in XXXX XXXX. When I refinanced, I had to show proof of hazard insurance XXXX home insurance ). I did that, that 's how I got to closing with the loan. When the escrow account rebalanced in XXXX, somehow, they forced their hazard insurance into my escrow account ( now mind you, I pay out of my own pocket for home insurance every year ). I called to complain about it, and it took several months to resolve. Once resolved in XXXX, there was an overpayment applied to my principal ( the overage was the insurance payment ). When my escrow rebalanced in XXXX, they did the same exact thing. I have complained to them several times. They have even done another escrow analysis and this time, they are charging me too much for my taxes. My taxes were {$1100.00} last year, this year they were reduced to {$1000.00} XXXX for some reason, the bank gave me the run around about how they were still assessing my escrow at the XXXX taxes XXXX. I informed them that my taxes had gone down, and it took me another XXXX phone calls to get it resolved. During this process, my mortgage payment should be less than {$1000.00}. Because of their inability to perform simple tasks, my mortgage payment were {$1000.00} for 2 months, then {$1000.00}. This is unacceptable that I have to pay for their lack of doing their jobs. I am now in the process of cancelling my escrow account, but I have been jerked around with this process also.
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (MD)

M & T bank. Is refusing to fix a problem too which is affecting my credit and my financial situation I had a vehicle loan with this institution to which was paid off as of XX/XX/2022 they owe me overage funds of {$280.00} to which they voided the check that they sent meWhen I went to cash it I have the lien release paperwork and I was told when I went in through a bank by the bank manager that they reopen the account due to a balance too much the balance was {$47000.00} and I pay {$50000.00} I need this matter resolved immediately I will be seeking legal compensation and at this moment and then see is doing fraud and its a big problem
Consumer complaint received 2016-03-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

Macy 's Credit Card issued a card to an old address and debt incurred was not made by me. After getting odd calls asking for me and then they would ask for customer identification info. When we ask to have a contact # back they gave the following XXXX # 's XXXX, XXXX which are neither Macy 's credit card customer helpline. After inquiring which company, they stated they were Macy 's XXXX XXXX collecting on debt. I contacted Macy 's Credit Card at XXXX and cleared the fraudulent charges with their fraud department. Afterwards, the XXXX continue 's to call every morning.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX, XXXX is reporting a collection on my credit report that has been paid in full. XXXX XXXX XXXX is the original creditor.
Consumer complaint received 2015-11-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth a lot less than XXXX I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached an appraisal document stating the value of the house a year ago ( XX/XX/XXXX )
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

* My reports continue to incorrectly show me XXXX past due in XXXX XXXX and they will not correct. 
* My XXXX report also incorrectly shows me XXXX past due in XXXX XXXX and XXXX XXXX but I do not have bank records that old to prove. 
* My XXXX report continues to show unauthorized hard FIA hard inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they will not remove. 
* Attaching letter dated XXXX/XXXX/XXXX requesting correction of these items including supporting documents. 
* As of XXXX/XXXX/XXXX, I have not received a response to my XXXX/XXXX/XXXX letter. 
* Finally, this account is reported as a " Flexible Spending Credit Card '' on all reports when it is a simple credit card. 
* REQUEST : Please help me get these items corrected or removed from my credit reports.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (OR)

I signed up for a credit card offer I received in an email on XX/XX/2017. The offer stated that the American Express XXXX came with XXXX bonus miles as long as I signed up before XX/XX/2017 and spent {$1000.00} in the first XXXX months. I did exactly as I was supposed to but was only credited XXXX. I called in XX/XX/XXXX and was told they were opening an investigation. When I called back they told me the investigation was closed and I was not receiving the extra XXXX miles due to an unspecified " error '' that was not the fault of American Express. I do not believe this is acceptable in any way. They admit the email is real but still wo n't give me the miles I 'm due.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a mortgage through Capital One Home Loans. I recently refinanced and the balanced was paid in full. Capital One has refused to send me the balance of my escrow account of nearly {$1000.00}. I have called several times and they just blow me off and say they will eventually. It has been over three weeks. If I did n't pay my mortgage within 15 days, I was assessed a late fee ( although I never was, because I pay my XXXX bills on time ). Why should Capital One not be subject to the same requirement?
Consumer complaint received 2024-03-09
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: WHEELS FINANCIAL GROUP, LLC. (NC)

today i logged into my credit file to see 800 LOANMART/XXXX  have made an accessed my credit file without my permission on XX/XX/2023, i have never done business, signed any contract or documents with 800 LOANMART/XXXX  or anyone they are doing business with, I do not wish to contract or do business with 800 LOANMART/XXXX  the inquiry into my credit file was unauthorized.
Consumer complaint received 2021-06-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHALLENGE FINANCIAL SERVICES (AZ)

Challenge Services send me a subpena in which i replied in a time in a timly matter with the court and send them a registered letter, and they are using the tactic of not received the reply in a timely matter to get the court to get a judgment against me. 

Plaintiff : Challenge Financial Services XXXX XXXX XXXX XXXX XXXX Ca XXXX Ph XXXX XXXX case # XXXX Defender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (PA)

On XXXX XXXX, XXXX charges appeared on my synchrony bank banana republic card in the amounts of {$190.00} and {$200.00} from PayPalXXXX. I filed a dispute w/cc company, they dismissed XXXX charge but not the other. I have never heard of raise.com, you will not find any other charges on my cc card from this place, during my cardholdership!!! Why dismiss XXXX and not the other, makes no sense!!! This cc company has terrible customer service! Do not get a GAP brand card!!!
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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MS)

On XX/XX/2022 I received an Inquiry from JPMCB Card. And I already reported it to the Credit Bureau. They had no right to pull my credit and I never applied for anything from that bank. There was no permissible purpose and is a violation of the fair credit reporting act
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IN)

I was the victim of a home repair scam across state lines related to my home in XXXX, I live in XXXX. The company advertised an amazing deal for certain services and I gave them my credit card number so they could charge me when they completed the job. Instead they ran up my card over {$1400.00}. Double what I originally discussed with them and all of it despite not having finished a single project. All they did was send me ONE " before '' picture with them supposedly working and XXXX update of XXXX wall being partially painted. When I saw the charges I disputed them. XXXX responded by forging my signature on invoices and submitted to Citibank - they claim I was present at the time of sale to sign off on the work. This made Citibank say that my dispute was regarding the " QUALITY '' of the work done. There was not enough/NO work done to dispute the QUALITY. I submitted over XXXX pages of documentation to support my claim including : Proof of forgery of my signature including a police report, bank records showing my real signature ... And a Police Report number where I am pressing charges. 
Proof that we could not have been at the property at the time of sale ( as the merchant alleges ) because medical and employment records have me and my mother in XXXX Communications from XXXX themselves that they could not complete the job because of personal problems, backed up by phone records. 
A CERTIFIED inspection from a XXXX Licensed Inspection Company detailing that the work being billed was not done. Not that the quality as bad or in question ... THAT IT WAS NOT DONE. 
Invoices where I had to hire another company to do the work XXXX did n't do. Stating that less than XXXX % of the home had any projects BEGUN. 
XXXX and Realtor documents showing the home was pulled off the market for " repairs '' and kept off the market for an extended period of time, with emails from the Realtor informing me that work is not being done on the house. Repairs that were not done until AFTER another company was hired. 

I have phone recordings of Citibank Dispute personnel telling me I had one of the best documented cases of unauthorized billing they had ever seen. One Supervisor even gave me her personal email so I could send her my documentation directly vs. responding to disputes @ citi email. Yet, not once but TWICE Citibank has responded that the charges were " valid '' .... No, they were not! Forgery is not valid. Charging more and more often than authorized is not valid. Starting a job just enough to take a picture and convince me that work is being done and then NEVER ACTUALLY DOING IT is not " valid ''. This is not about the QUALITY of work, there is no completed work to judge the quality of. Citibank is protecting its interests in ruling the way it did, despite common sense and a preponderance of evidence.
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Back around XXXX, Bank of America ( BOA ) offered " Free For Life Business Checking Accounts '', which I signed up for XXXX for XXXX XXXX XXXX. I have to call BOA every year to get my bank service charge waived for another year. This year when I got charged {$14.00} XX/XX/XXXX, I called BOA as I always do, to get a credit for the {$14.00}. I received a voice message from my local BOA rep that they have waived the {$14.00} for this month only and I will not be able to get this fee waived any longer. What happened to " Free for Life ''??
Consumer complaint received 2022-02-16
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. (MI)

Looking over my credit report I noticed an account that didn't belong to me with the high balance that is still active it is not mine I never applied for it and I think my ex-wife pretty sure my ex-wife did it
Consumer complaint received 2017-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

Account Details Last Reported   XXXX   XXXX   XXXX    Collection Agency CAINE & WEINER COMPANY INC  Original Creditor  XXXX   XXXX  Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Account.   Balance {$3700.00}  High Balance {$3 700.00}  Remarks Consumer  disputes this account information  No Idea  about this account
Consumer complaint received 2015-07-02
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (GA)

At XXXX XXXX eastern time this morning I received a call from a number I did not know. Upon answering the phone, a lady who identified herself as XXXX XXXX from ARA ( Asset Recovery Associates ) proceeded to tell me that I owed $ XXXX to XXXX and that she had received this claim in her office today. She stated that her office is in the process of filing a judgement against me for the amount they claim I owe. She informed me she was calling on a recorded line. When I told her : 1. I do not owe the money, and 2. Even if I did, it is time-barred. When I started writing down her information, she stated that her company offered me a settlement of $ XXXX and that I did not respond and now I am responsible for the entire $ XXXX. She was very aggressive and argumentative. 

When I asked if she would call back so I could also record the call, she said no. In the end of the conversation, she refused to give me the company address. I told her not to contact me again. She kept talking over me and said that if I paid my debts on time, they would n't have to call me. I told her that they can not contact me again once I have instructed them not to do so and if they do, it is a $ XXXX fine per call. She just kept talking over me. 

I told her to file the judgement against me and I will see her in court. At that point, she said I would n't be seeing her. I said I would see someone as what they are doing is illegal! She then hung up on me. 

A few minutes later ( at XXXX ), I phoned the company and asked for the lady. She came on the line and I told her that I was recording the call. She started shouting that it is illegal for me to record her without her permission ( it is not, I am in GA which is a XXXX party consent state ). I kept asking for their address - she just kept yelling that I did not have her permission to record her. I told her that I can record because I am in a XXXX party consent state. She would not give the company address and hung up on me again. 

This all stems from an alleged debt incurred more than 15 years ago!!!!!! This debt has been sold numerous times and I go through this frustration every single time.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (OR)

Pleases Find Out Who Is My Address XXXX XXXX XXXX XXXX XXXX Or. XXXX I Moved Here Over 21 Year 's And Never Moved This Is A Home .Please Correct Thank You. XXXX XXXX XXXX