davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or around XX/XX/2018, I disputed a credit card account with Transunion credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from Transunion that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a Transunion representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from Transunion regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (AZ)

I have tried disputing this through XXXX but they won't correct it. US Bank has a delinquent account on my report that was closed XX/XX/XXXX. This item is supposed to be removed from my report on XX/XX/XXXX. But US Bank has changed the date to XXXX. It's supposed to drop off after 7 years. My XXXX report is correct and I'm waiting for my XXXX   report to be mailed because their website never works. US Bank calls me literally every day. I've had serious health issues for about 10 years and they know I'm unemployed. They are trying to add 2 years to this torment. I have included a screen shot of my XXXX report with the CORRECT information.
Consumer complaint received 2015-05-10
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY (DE)

The Target Store credit card provides 5 % discount at point of sale, so if I bought something for {$100.00}, I would be charged {$95.00} only. If I returned the item to Target, they would refund me back {$95.00} only as that is all I paid. 
However, if you look at the attached receipts and calculate, you 'll notice a lower refund amount in each if you calculate the 5 % difference. So, in the case of the first receipt on the left, the amount of item was {$4.00}, the refund back to me should have been around {$4.00} cents. Instead, Target kept back XXXX cents and returned me {$4.00} only. 
This small STEALING is inappropriate and I tried for a long time by emailing or speaking with Target to no avail. This is not just deceptive and abusive, it is literally STEALING. I am a regular customer at Target and do n't know how long this issue has been going on, as also with other customers. I should just file a class action against Target and TD Bank USA.
Consumer complaint received 2022-09-14
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-01-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I've called cable vision around XX/XX/XXXX or XX/XX/XXXX during the week, to fix my slow internet issue. I settled an appointment for a saturday, which I thought was kind of odd to wait even longer to have the problem solved, since I've been paying the right amount of money for the none provided internet speed. 

I remember speaking to my husband about the cable mechanic guy who never arrived that saturday to my home. 

I called once again on XX/XX/XXXX to dispute the charged of {$80.00} dollars to my account, for a service they didn't provide to fixed that problem. 
I tried to reason with many members of cable vision to waive the fee, but they only said : " we have three phone numbers associated with the account, and called leaving a voice mail, the cable guy knock at the door and noone was home. '' Well, firstable I only have one cell phone number associated with optimun, which have no voice mail from optimum, also checked my online cell phone bill, to make sure of the existence of this voice mail. 
ooops ... nothing there ither.!!! 
second thing is I'm the one who's badly needed the problem to be solved in the first place, why wouldn't I opened the door.? 
And most importantly why they are charging me for.? 

And just like that they've lost a customer for a dishonest service operation.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (CO)

Penn Credit Corp calls daily at XXXX with an auto-call. I do not owe them or anyone money! They will not stop harassing me with their calls. When I do answer there is no one to talk to. I've lost control of my privacy due to these calls.
Consumer complaint received 2020-08-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$9300.00}, {$1000.00}, {$2200.00}, {$2900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- INSTALLMENT LOAN 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

I have tried for the last 4 years to get my XXXX credit report from XXXX  and it never works, while XXXX and Equifax work every time. I tried again several times after receiving my other 2, and once I enter my name and address info XXXX ( again ) fails with this message : A condition exists that prevents XXXX from being able to accept your request at this time. To obtain your XXXX annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. XXXX XXXX XXXX Request Service XXXX. XXXX XXXX XXXX, GA XXXX I see this message in complaints all over the Internet. My information is not wrong - it works consistently with the other 2 bureaus. Equifax has had complaints online dating back to the beginning of the requirement for this site. I would like to know why they are able to avoid the law while the other 2 bureaus are playing fairly? I should not have to mail sensitive info to receive my report when this site was specifically set up to do this for me securely. I have even tried variations on abbreviations in my address, tried my old address without my new one ( lived here 1 yr ), tried just my new address, and with/without my middle initial. Someone needs to force them to be compliant ( XXXX ) and make them fix their code. Forcing people to mail them usually means people will either skip them ( saving XXXX time ), or actually go to XXXX or one of the scam sites and pay for what the government says is a mandated 1 per year free report. At best, people lose money for something that is free, at worst they get confused by all the scam credit reporting sites and get conned into paying a lot of money for their " free '' report. Please make them play nicely as they are required to do.
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATHAS CAPITAL GROUP, INC. (NY)

I used Athas Capital located in XXXX, CA to refinance my property. There was a lot of issues before we even closed which should have been an indicator not to proceed. They sent out a paralegal to my home to do the closing. I was not provided the HUD statement prior to the closing and when I saw the HUD statement along with what my monthly payment would be I contested it due to the escrow being so high, but the paralegal told me I could just sign the papers and question it as documentation wouldn't be submitted for a few days. I sent numerous emails about the escrow and then was told it was too late we closed. This was in mid XX/XX/2019. I have been trying since then to get the escrow figured out. I owed back taxes and money was taken out at the time of closing to pay the back taxes which were never paid. Escrow was taken out of my loan at that time also based on the back taxes for future tax payments and my monthly escrow payment is also based on those back taxes that should have been paid. I have been asking for an escrow analysis since XXXX. I have asked them to contact the assessor to get the updated information. I just keep getting the run around. Now they are telling me I have to make my first payment. If it's not one thing it's another.
Consumer complaint received 2018-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Earnest Inc. (NY)

I have applied for personal loan in the amount of {$10000.00} with XXXX XXXX company in order to pay my medical bills not covered by insurance and other expenses ( I need to help my elderly parents, car repair, home improvement ). I provided all requested information. My application was declined. 

Based on the advertisement of their product, my credit history, my financial standing and amount of loan to my income ratio, my application should have been approved : - I am a salaried professional with steady income, working for over 20 years in the industry - I have a good credit history with some of the FICO scores like XXXX, XXXX, XXXX, XXXX with average XXXX at the time of the application ) which is higher than national median and higher than the score Earnest advertised as acceptable - I don't have any credit card debt ( practically XXXX ) I don't carry balances over and typically balance is almost XXXX - I have 18 years old credit history with only one installment loan paid on time, I have a record of paying off the mortgage - I don't have bankruptcy on file, never filed for bankruptcy in the past The amount of loan to income ratio was very low - less than 10 % ( I also have all benefits including medical insurance, vacation, life insurance ) - I have assets : a ). a saving account ( in the amount substantially covering the amount of loan requested ). 
b ). I own a car with no lien on it This proves my ability to save and provides liquid funds for emergency - I have lived at the current address for over 6 years - I have a good driving record - I am young enough to make all installment payments and pay the loan off But my application was declined, therefore I have concluded that I was profiled by the criteria that has nothing to do with financial risk and would like to complain to CFPB about this lending discrimination on behalf of Earnest apparently based on my social status or ethnic/religious group that I belong to and I want CFPB to investigate the fact that these very criteria was used by Earnest to decline my application
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (FL)

Last week I received a phone call from Reliant capital solutions LLC informing me that I had a debt to XXXX XXXX in the amount of {$24000.00}. I called the school to verify that this was correct and was informed that I owe nothing. I financed my schooling through XXXX XXXX using private and federal loans with the servicer XXXX XXXX all of my loans are being paid on. I do not own this debt. I believe they have a mixed credit file. I XXXX XXXX XXXX XXXX XXXX XXXX and would not be allowed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the statue of limitations to collect is XXXX years in Florida. This is not my debt.
Consumer complaint received 2021-02-20
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. (TX)

I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, Transunion, XXXX, and XXXX  are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.
Consumer complaint received 2023-06-13
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. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit.
Consumer complaint received 2021-09-14
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: CAINE & WEINER COMPANY, INC. (SC)

I called and sent in police report that my information was stolen and these items keeps coming up verified, of course it would they had my birth certificate, social security card, and ID. I asked for proof of a signed contract by me plenty of times but never got it! Please validate with a signed contract by me or delete!
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Please be advised that I made my XXXX mortgage payment to my lender on XXXX @ XXXX XXXX ( see enclosed ) and as per the mortgage company - they posted the payment on the following Monday which made the payment late. 

I am in the middle of applying for a refinance and was about to close on the loan when they ran a last minute credit report and this appeared. 

I have called and spoken with several people and I was advised that they can not issue a statement to me in writing that the payment was receive on time and they have failed to advise that they will update the credit report. 

The loan, which I am authorized to speak on is in my ex husbands name and I am refinancing to take him off the loan. 

I emailed a higher up in the company ( see enclosed ) and I am waiting for a reply but I was additionally advised to submit a complaint to you from my attorney. 

I need this resolved ASAP
Consumer complaint received 2020-01-23
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: EQUIFAX, INC. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Hello, I have gone through the proper procedure and contacted Navient corporate about my private student loans being discharged. They told me, I qualify for the school misconduct form. They told me I was elligible to recieve it and I filed the proper paperwork application with them. I provided ALL the proof to them. It was pages upon pages of proof, from emails with my school XXXX, to the entire course catalogue, proof from other cases and settlements, XXXX XXXX XXXXXXXX, XXXX settlement against Navient, and widespread knowledge that my school, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) has done unlawful practices. I have sent them the application with all this proof and am so disappointed it got DENIED. I want a detailed explanation as to WHY I got denied in writing, and which paperwork attachments they received from me. I want an appeal! Why have other people been approved for discharge, who attended the same school as me!? I was approved and sent the same info I did for my borrower 's defense application as my school misconduct form, with MUCH MORE proof! Please help me, I am running out of options, my loans have ballooned now to XXXX ( XXXX now after a month forbearance from the application pending ). I can not afford this, my life is destroyed from these predatory loans.
Consumer complaint received 2020-07-21
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. (GA)

I had an account on my report by the name of XXXX XXXX XXXX. The account was bought out by XXXX XXXX XXXX. XXXX sent me a letter saying they have closed the file and terminated collection action which means the entire account should have been removed from my credit report. XXXX no longer shows on my report, but XXXX does. If XXXX bought out the account and removed it, the entire account should have been removed. I have sent them 2 separate certified letters on XX/XX/2020 and XX/XX/2020 and disputed this item multiple times with no resolution. They will never send me proof of my signature on the account or any type of verifiable proof like I requested in my dispute. All they keep saying is the account is updated and the account looks exactly the same. I have also received a letter from XXXX also stating they are no longer servicing action on the account.
Consumer complaint received 2016-06-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MN)

I requested a payoff letter for my loan and was told it would take 5 business days to process my request. I explained that I needed to close on a refinance the next day and would come to the bank to collect the payoff amount in writing. The bank told me that they could not accommodate this. I explained that I would lose my lock on the rate and no fee refi, but it did not matter. They could not help me and would not issue a letter designating the 10 day payoff amount, even if I went to the bank to get it. The bank that is refinancing my loan was highly surprised as they could do this as a same day service and expected that TCF Bank could do this as well. I will need to resubmit my loan and lose the free refinance as well as an excellent rate.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (MO)

I received a letter today, XXXX XXXX, 2016, that the servicing of my mortgage loan is being transferred, effective XXXX XXXX, 2016, from Seneca Mortgage Servicing to XXXX XXXX XXXX. This is a horrible nightmare for me!!!!! XXXX serviced my mortgage in the past and tried to take my home away from me. They had a racket going. They were putting part of my house payments into some other type of account and turning me in to the Credit Bureaus as nonpay! Fortunately, I caught them after only two months of this, but had to hire a lawyer to try to deal with them, as they were absolutely impossible to deal with! I also had to hire a company to help get this straight on my credit, which was another nightmare. I researched online and found out that XXXX had scammed many people out of their homes with similar tactics, then sold them out from under them. Even people who were retired and were caught totally unaware!! Due to the horrible experience I had with XXXX, I DO NOT WANT MY LOAN SERVICED BY THEM!!! What can I do to stop this???????? Need a prompt response!!!!!!