davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NY)

I completed all requirements for the opening bonus but have not received it. The terms stated that I had to maintain a {$5000.00} balance for my first three statements and complete 20 debit card transactions. The debit card requirements were completed on XXXX and XX/XX/XXXX and show up on the statement as Debit Card Purchase. On XX/XX/XXXX at XXXX, a customer service representative XXXX verified that my daily balance requirement was completed as the wording was ambiguous and since the account was opened at the end of a billing period, my opening deposit was deposited on the fourth day.
Consumer complaint received 2022-04-01
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. (GA)

The company has allowed my report to be used by other parties. Allowing this to happen, cause my accounts to be reflected negatively. This is causing me loss of work, home, and emotional distress.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX and Experian continue to report an alleged debt that is not due. XXXX XXXX XXXX XXXX was transferred the contract from XXXX XXXX XXXX XXXX which the apartment contract lease is the security that is funding this credit transaction and therefore I am entitled to the interest which is being made. 

Furthermore the debt has been canceled and reported to the IRS so the account can be audited. XXXX XXXX XXXX XXXX is selling this alleged information to Experian and Experian is damaging my credit by reporting this as a collection without proper verification. 

This debt has been canceled and now a certificate of income and income can not be reported to a consumers credit report.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I paid the entire credit card balance off of {$6500.00} on XX/XX/2021 and its shows going thru my credit card statement. On XX/XX/XXXX, XXXX, Capital One decided to charge interest charges of {$99.00} before my statement is even due. They refuse to refund the {$99.00} thou it was on a {$0.00} balance.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I CONTACTED TRANSUNION CREDIT BUREAU IN REGARDS TO FRAUD ACTIVITY ON MY CREDIT PROFILE. I HAVE CONTACTED THE COMPANIES AND TRANUNION, SUBMITTED A POLICE REPORT AS WELL AS A STATEMENT AND THREE DIFFERENT 609 LETTERS REQUESTING IN WRITTING TO HAVE ACCOUNTS BE VERFIED AS WELL AS A STATEMENT NOT ONLY WAS THERE NO SOLUTION TO THIS MATTER BUT IT HAS TAKEN A COURSE OF MAJORITY OF THE YEAR AND NO RECOURSE HAS BEEN DONE. I CONTACTED THE FRAUD DEPARTMENT AND THEY STATED THAT THEY COULD NOT ACCEPT THE POLICE REPORT I PROVIDED AND THAT I MUST CONTACT THE COMPANY IN WHICH THE CREDIT LINE WAS OPEN. 

I SUBMITTED THESE DOCUMENTS VIA FAX AND HAVE CONFIRMATION NUMBERS IF REQUIRED. 

I HAVE LETTERS DATED FOR FOR FOLLOWING DATES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX THE POLICE RECORD FILE NUMBER IS XXXX LOCATION WAS XXXX XXXX CA DATE ON REPORT WAS XXXX XXXX XXXX I REQUESTED TO SPEAK TO A FRAUD SUPERVISOR AT XXXX AND WAS TOLD SEVERAL TIMES THEY COULD NOT ACCEPT MY POLICE REPORT. I AM A XXXX VETERAN AND MARRIED TO AN XXXX XXXX SPOUSE. WE CURRENTLY RESIDE ON XXXX XXXX BASE XXXX XXXX. THE SUPERVISOR STATED THE REASON THEY COULD NOT ACCEPT THE REPORT WERE DO THE FORMAT OF THE REPORT ... ETC. WHEN I CONTACTED THE PROVOST MARSHAL OFFICE IN REGARDS TO THIS MATTER AND TRANSUNION WOULD NOT ACCEPT THE POLICE REPORT THE REPRESENTIVE DIDNT HAVE AN EXPLAINATION AND WAS CONFUSED. I HAD ALSO SUBMITTED THE SAME POLICE REPORT TO XXXX  AND TRANSUION IN WHICH THEY TOOK IMMEDIATE ACTION.

NOT ONLY ARE THE FRAUDLENT ACCOUNTS ARE REPORTING NEGATIVE ON MY CREDIT PROFILE BUT TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE THESE ACCOUNTS. I AM VERY DISAPPOINTED IN THIS SERIOUSNESS AND DELIQUENY IN FOLLOWING UP IN AN URGENT MATTER THAT SHOULD HAVE BEEN RESOLVED FIVE MONTHS AGO.
Consumer complaint received 2021-09-26
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. (AZ)

I was unemployed due to XXXX XX/XX/2020. 

On XX/XX/XXXX, I asked XXXX XXXX XXXX for a forbearance. It was granted XX/XX/XXXX. They said it would be for 3 months - XXXX, XXXX, and XXXX. 

I obtained employment in XXXX. I made a payment for XXXX, on XX/XX/XXXX. I called XXXX XXXX to let them know I was ready to resume my payments on both my mortgage and HELOC. I also made a payment for XX/XX/XXXX on The HELOC. 
They have charged late payments XXXX XXXX XXXX and XXXX. 
I was told it would take 60 days for me to be removed from the forbearance. I aske and called repeatedly trying to figure out what was going on. I was told my XXXX payments were applied to my XXXX payments. When I was given the forbearance I was told the months of XXXX, XXXX, and XXXX would be applied to back of my loan. Instead, they have reported me late on both accounts every months since XXXX and continue to report me late. 
I made a payment XX/XX/XXXX and they applied that payment to XXXX instead of XXXX. Still reporting me late two months and will not acknowledge the forbearance I was granted. I believe they are trying to force me into foreclosure. As a senior, I feel I've been duped. 
I have called over and over and no one will correct this issue.
Consumer complaint received 2021-03-24
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. (NY)

I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX the others on XX/XX/XXXX and XXXX still as of today over 90 days later there has been no progress. There are still inaccurate items showing negatively on my report. As mentioned previously to each company I was just made aware of my information being impacted by the XXXX data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section 807.
Consumer complaint received 2021-07-12
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. (NV)

I started fixing my credit a few months back and noticed a discrepancy on my child support account. I can honestly say that I have never been late on this account and I have never missed a payment. My XXXX  report does not show a late payment but has not reported any activity since XXXX. XXXX  and TransUnion are both inaccurately reporting a late payment in XXXX of XXXX ( XXXX  ) and XXXX of XXXX ( TransUnion ) and have not updated since XXXX and XXXX ( respectively ). I'm not sure why there is this discrepancy on my credit report, and I have tried disputing this issue multiple times with the credit bureaus but this account is still showing a late payment when I was not late.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

This company Jefferson Capital has been coming after me for a debt in the amount of {$2000.00} Since XX/XX/2017 However they are not the legal owners of this debt and this debt was paid in full to the correct owners. I have submitted several disputes regarding this and have contacted this company directly. I was talked to very rudely and even hung up on which was very unprofessional. This company keeps harassing me with calls, letters and scare tactics.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (FL)

All these accounts that do not have information that I do not know and are in my report I do not want them, I have reported them many times 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 2017-11-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NV)

In mid XXXX XXXX, I initiated a re-finance of my home mortgage through my then current mortgage company, Cardinal Financial. On XXXX/XXXX/XXXX, I paid {$600.00} to Cardinal ( over the phone ) using my XXXX XXXX XXXX card for an appraisal. 
On XXXX/XXXX/XXXX I emailed the contact at Cardinal Financial ( XXXX XXXX ) and informed him I was canceling the process and requested a refund of my {$600.00} appraisal fee. He responded to the email acknowledging receipt. 
Also on XXXX/XXXX/XXXX I began the re-finance process with XXXX XXXX XXXX. I paid them an additional {$600.00} appraisal fee. 
On XXXX, I received a call from an appraiser ( XXXX XXXX ) to schedule an appointment for the appraisal. He came on the morning of! XXXX/XXXX/XXXX. I contacted him at the curb on arrival and it occurred to me to ask him to confirm that he was there for XXXX XXXX XXXX. He said he was there for Cardinal Financial. I explained I had decided to switch mortgage companies and canceled Cardinal three days earlier. I asked if the appraisal could be used by the new mortgage company as both re-finance applications were VA. He said no, so I canceled. The same appraiser called me two days later and re-scheduled the appraisal on behalf of XXXX XXXX XXXX and subsequently completed the appraisal. 
After several email and phone conversations with XXXX XXXX of Cardinal Financial inquiring about my refund I was referred to the VA. I spoke twice with XXXX XXXX at the VA. He said I had paid the fee to Cardinal Financial, not the VA. The VA does n't receive or handle the appraisal fee and Cardinal Financial was responsible for the refund. 
On XXXX/XXXX/XXXX I again spoke with XXXX XXXX and demanded my refund. He said he would refer my request to the proper person at Cardinal. I followed up with an email synopsis to XXXX XXXX. 
As of XXXX/XXXX/XXXX subsequent phone calls have not been returned and there has been no response to my email. I have not received the {$600.00} refund.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (TX)

I have contacted the companies and agencies about the inquiries on my credit report that I do not recognize but they refuse to remove them from my credit report. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-09-25
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 (CA)

I am a XXXX old American Express card holder. on XX/XX/2021 I received an email and mail notifying that I was pre- approved for a Hilton Honor Amex Card at 0 % for 18 months.

I open the Credit card the promotion was given to me. I just received my second statament this month and they started charging interest. 

I called several times and the representative hang up on me one time. In the second time she told me that the never guarantee interest rate. Amex is misleading and targeting XXXX customers like me. This is unacceptable.
Consumer complaint received 2021-03-24
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section XXXX ( A ) it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX a purchase on ( XXXX XXXX for XXXX XXXX retail price was XXXX, but seller discounted XXXX for the XXXX XXXX sale ) for a XXXX XXXX was authorized. ( Payment was submitted to seller via XXXX  ). According to the seller 's website, the item was back ordered and no estimate date of delivery was provided. Was advised that the delivery date would be provided when the item became available. 
I suspected fraud/scam and emailed the merchant at XXXX, which was the email provided on the seller 's website, to cancel the order. The seller responded and asked for the order number and I never responded again. 
So, I immediately filed a dispute with USAA, and provided all necessary information. Over 45 days had passed, so I contacted USAA for an update. I was told that a letter was mailed to my physical address requesting additional information to investigate the dispute. Information such as the description of the merchandise, expected date of delivery and any correspondence with the merchant. That letter was never mailed to my home. I requested that the representative send it on my e-documents, which he did. I provided all requested information for the dispute to this representative. ( I don't remember his name ) I had issues with the website and uploading the documents so I contacted USAA again. 
While on the phone with USAA, the representative, XXXX entered all information and I uploaded the correspondence I had with the merchant. He assured me that was all that was needed. 
I didn't receive any updates from USAA so I called again and I spoke with XXXX on XX/XX/XXXX. She first advised me that all requested information was entered into the system by the previous representative, XXXX, then said I didn't provide adequate information for the investigation to be completed. I was told by XXXX that she would request a follow up and would forward my info to the disputes department. Conveniently 24 hrs later I received a message stating that USAA that the transaction was legit and the dispute is closed. I called again and this time spoke with XXXX on XX/XX/XXXX. He told me the dispute was closed because I didn't provide adequate information, not because not USAA actually investigated and found the transaction to be legit. I have spoken to numerous reps on numerous occasions and nothing has been done to properly investigate. 

BOTTOM LINE. I AUTHORIZED A PURCHASE. POST AUTHORIZATION I SUSPECTED FRAUD/SCAM AND REQUESTED CANCELLATION OF THE ORDER. I HAVE NEVER RECEIVED THE MERCHANDISE OR A REFUND. THE MERCHANT NO LONGER EXISTS, NOR DOES THE WEBSITE OR ANY OF THE CONTACT INFORMATION RELATING TO SAID MERCHANT. I DISPUTED THE CHARGE WITH MY BANK DUE TO SUSPECTED FRAUD, AND USAA FAILED TO FOLLOW THE PROPER PROCEDURES TO RECTIFY THIS ISSUE. I HAVE CONSISTENTLY PROVIDED ALL INFORMATION REQUESTED BY USAA. I HAVE MADE NUMEROUS ATTEMPTS TO RESOLVE THIS ISSUE, TO NO AVAIL.
Consumer complaint received 2017-11-29
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: Experian Information Solutions Inc. (IL)

I went to XXXX and proceeded to retrieve my free annual credit reports from XXXX XXXX, and Experian. I was able to retrieve the first two from XX/XX/XXXXand XXXX, but Experian kept saying " We are unable to give you a credit report '' or words to that effect. 

I tried again, this time selecting only Experian - same result. 

I went to Experian.com and tried from there - same result. 

There is no valid information at Experian 's website, no helpful phone number, no phone number answered by a person. No help what-so-ever. 

So Experian is now in violation of the Fair Credit Reporting Act by refusing to supply me with my free annual credit report. And they arrogantly refuse to help.
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Recovery Management (TN)

I sent a dispute/validation letter to XXXX collection, which is included in the attachments, certified mail. They received the letter XXXX XXXX XXXX. I received a notice roughly 2 weeks prior to the court date on the paper saying that fox collection would be carrying me to court. I contacted the company and spoke with the attorney, he said he was, in the legal department. I told him I was disputing the debt but was trying to explain to me that pretty much i do not have a dispute and still responsible for the debt. After sending my dispute/validation letter to fox collection center they sent me a letter in response to my dispute, also in attachments, that was not a real response letter to my dispute. They did not properly respond or send anything I requested from the company which is in the letter attached. They trying to put a judgement on me for some thing I do not feel I owe and I do not feel is right and also the amount. They pushed my court date out to XXXX XXXX XXXX. I am trying to get this matter resolved before then. I do not want to be stuck paying something I do not feel I owe. The name of collection agency is fox collection center, their address is XXXX. box XXXX goodlettsville tn XXXX. Their contact number is XXXX. Please help and assist in getting this matter resolved in a timely manner due to the company not properly handling my dispute or validation of debt. Thank you in advance.
Consumer complaint received 2017-11-30
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014. However I have yet to receive a copy of an Agreement that I signed.
Consumer complaint received 2021-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

I have a loan with Freedom Mortgage and I feel there is something not right how they are handling my FHA loan. I have been paying on it for almost 7 years and payment is going up again for escrow. My pmi should be dropping off, but when I called last time, I was told 11 years. Yesterday told twenty plus years. I feel I am being ripped off. This fha mortgage was owned by another bank and Freedom mort. took over. I feel like I am getting taken advantage of. Payment should be starting to go down. Can you please check their business practices?
Consumer complaint received 2018-02-09
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: Experian Information Solutions Inc. (UT)

We've had this credit card since XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly XXXX XXXX in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
Consumer complaint received 2018-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have repeatedly attempted to make reasonable monthly payments and have been offered upwards to $ 700/month which I can not afford in addition to over the over {$1000.00} I already pay monthly in student loans. The other day set up a payment to attempt to catch up with the understanding that I would need to obtain and submit additional information regarding my finances. I shared that my co-signer has XXXX XXXX and my father was a XXXX XXXX. My father, who is not a co-signer on the loan, set up a payment I am unable to afford. This is in addition to the payment I had set up for this month. Navient knowingly set this payment up with an individual who I had shared has an XXXX XXXX XXXX and that is XXXX most, if not at all, times. I hope that they did not pursue my father for payments knowing his XXXX  condition.
Consumer complaint received 2017-11-29
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: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

On XXXX XXXX, 2016 the following collection agency flagged my account : MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX They claimed that there was a bill past due- but I had already attempted to close my account with XXXX XXXX over the phone multiple times.