davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Rosebud Economic Development Corporation (OH)

On XX/XX/23 I was approved for a loan for {$750.00} after I had to agree to download an app and allow a representative from quick wallet to confirm my banking. We did a screen share and I made sure to change my password after we finished to be sure they couldnt go back in. I thought it was odd but the app seemed legitimate. 

I signed my documents on the phone with the representative and was told I was approved and funds would be deposited by Monday XX/XX/23. I even received a txt message which I will attach. I was told I would get an email confirmation by eod that day Friday XX/XX/23. I never received a email and went to check online my info and it wanted me to sign another loan agreement for {$400.00} and not {$750.00}. I was confused as I just signed the one for {$750.00}. I called and they told me I had done everything right and I was approved for the {$750.00} and would see it Monday the XXXX. On Saturday the XXXX I received an email and txt from my bank that I had been blocked because of too many failed attempts to log in. 

I called them and a block had been put in my card, I got it removed and updated my login ID and password again because it worried me that someone had tried to access it. I was not the one who attempted and locked myself out. I then called quick wallet and could not get a single person on the phone. I kept being routed to a recording that said I had been denied and eventually someone would be available but to leave a message if not. No one answered and no one Called me back. I also sent and email to the company via their website and nothing. There should be proof of this on their end. 

I again was locked out of my bank Monday the XXXX for again failed attempts. To me this means the company tried to access my bank account several times after we got off the phone. This is not acceptable and should be illegal! And investigated! 

I also went into the website and found all my banking info, card info and social all available and I want it removed now! I did not I guess get approved so they no longer should have access to any of my information.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have not signed an agreement with this creditor, thus is not the original creditor as i was never late this is a duplicate account US code 1692e False and Misleading Representations. US Code notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report XX/XX/2024 and noticed two fraudulent accounts on my report. I disputed with transunion, XXXX  and XXXX and they said everything was correct but that is not the case. The response about my report is not accurate. 
This is not my account. I have no knowledge of this account. 15 USC 1681b. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Had mortgage with PenFed Credit Union which we refinanced with them ( same company ). They held the old mortgage and are now holding the refinanced mortgage. Closed on the refinance on XX/XX/2021. We were charged 19 days of prepaid interest for XX/XX/XXXX- XX/XX/XXXX and paid 19 days of interest on the closing statement ( XX/XX/XXXX - XX/XX/XXXX ). That is a total of 38 days of interest for a month with 31 days. When the escrow balance was refunded ( check received XX/XX/2021 ) PenFed refunded 2 days of interest paid on the old mortgage. They still owe us at least 5 days of interest. I called them on XX/XX/XXXX about this and have gotten no where after many hours of trying to have them deal with this. I have included the latest email from the person at PenFed who said he would get back to me on XX/XX/XXXX. He has never gotten back to me and the only time that he did was to respond to me asking what the status is. I have included that email with the back up I am attaching. Note : the same company held the original mortgage and now holds the refinanced mortgage.
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TN)

Plenty occasions I called Professional Debt Mediation stating that the debt does not belong to me and that i was a Co Occupant. The apartments told me that i still had to do the lease agreement because i was over the age of XXXX. I 'm not reasonsable for this debt and they never sent anything to validate the debt stating it was mines. XXXX has n't removed it off and i send complaint a couple of times trying to get this removed. 

I called the collection agency and they stated that they had application for me being a co-occupant only and not a lease holder and for me to called the apartments but the apartments never got back with me to validate this debt. 

Debt. Belongs to XXXX XXXX
Consumer complaint received 2017-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

On XXXX/XXXX/XXXX, I completed a request for a deferment online, and submitted my paperwork that was not processed. I assumed it was as I never heard back from them. I have another student loan through XXXX that I completed and was approved for one year. Wednesday XXXX/XXXX/XXXX, I submitted an application to consolidate my with XXXX XXXX XXXX to XXXX. Friday, XXXX XXXX updated my credit score and reported me as being 90+ days late. I feel that my application was overlooked ( thankfully I saved it ) and that reporting my loan as being in default and I 've NEVER received a phone call from these people was done out of spite for consolidating and closing my account with them. My credit score dropped 56 points. I have worked HARD to maintain a good credit score and now this. After receiving alerts that my credig score dropped significantly, I did submit ANOTHER request for a deferment. Hopefully, this one goes through and they can back date it and correct/update my credit reports.
Consumer complaint received 2020-10-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

On XX/XX/2020 I requested my loan note from Loan Depot. They said 3-4 business days for a fax and 5-7 business days via mail. I requested both just in case one failed to happen. I waited the 7 business days before calling and trying to request again. I have continued to call and have even emailed the original loan officer with no resolution. I dont take this lightly as I am trying to refinance my home with a significant saving and this is preventing me from doing so. This is very unprofessional as they are just sending a copy of an already processed loan. Being XXXX XXXX military I dont have the time to continue to ask a company for the same document.
Consumer complaint received 2021-10-15
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: Experian Information Solutions Inc. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and inconsistent things on my credit report to this day over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items from my credit report, it has been over 60 days so they should be deleting promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused they cause me.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

They continue to call and send fraudulent notice. I have no legal binding contract with this company. They assume the debt is valid when i sent them 3 notice that debt is not valid. They are harassing me constantly and ignoring it Im my request. They stole and bought my identity from another company that is fraudulent.XXXX XXXX sold my identity and private information to ic system. XXXX XXXX is in violation of the constitutional laws and my rights.
Consumer complaint received 2022-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I opened a car loan with Hyudai Motor Finance ( HMFUSA ) 2 years ago in the state of XXXX XXXX. I moved to XXXX on XX/XX/XXXX and went to my local DMV on XX/XX/XXXX to get my new driver 's license and registration. I had contacted HMFUSA the week before to see what I needed to do to obtain the out of state title transfer and where to mail the request. They said I needed to respond to a secure email and that they would send me all the information they would need, which they sent right away and I immediately responded to the email with the requested information. They also gave me the address to mail the written request and I gave that to the DMV and they said they would request it. I called HMFUSA 2 weeks from then to check on the status and was told something was processing? I called back the next week and was told the same thing. The next week when I called, I asked to speak to a supervisor and they gave me a " SPECIAL AGENT '' who said they did not receive anything from me or the DMV, and I was also told I could not speak to anyone in the Title Department because they don't have an extension. I was beginning to get frustrated and was asking him why the previous agents were saying something was processing but he kept talking over me and then ended up hanging up on me. He did tell me there are many people waiting and I am not the only one. Now it's a month later and I called again last week and asked them to resend the secure email to me so I could respond again, I also got their fax number and my local DMV said they would fax the request to them and then I personally mailed the request via certified mail to them. I was told I would have to wait 48 hours to call back to see if they received any of these requests. 2 days ago on XX/XX/XXXX, I called HMFUSA and after speaking to someone who said she could not see anything pending or processing and that I should make the request online through my account. ( There is no way to do that, and I would think the agent would know that )! She then transferred me to a special agent again and I believe it was the same XXXX young man I spoke to before and hung up on me because he said the same thing like he was reading from a script. He could give me no information whatsoever! I have read reviews from people that have and are going through the same thing with this company and were told the same things as me. I am concerned that the state of XXXX will contact me because I no longer have XXXX insurance, but still have their plate on my car. HMFUSA agents have lied to me that my request was processing, and that they have never received anything from me or the DMV but then in the next breath, they tell you that they can't call the title department, they ca. n only email them. I was told by one of the agents that he was sending an em to escalate my request. The State of XXXX gives 30 days to transfer registrations and I am well over that and I started the process 3 days after I moved on XX/XX/XXXX.
Consumer complaint received 2020-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WI)

Dear Sir or Madam : I was the Citibank credit card holder since XXXX. However, I experienced a really tough or very unprofessional customer service provided by the Citibank in XX/XX/XXXX. I asked the Citibank to close my account at XXXX XXXX  on XX/XX/XXXX, which was shown as RED font in my supporting document attached. I thought the Citibank had closed my account. However, the Citibank didn't do it until I found that the Citibank has been damaging my credit score on XX/XX/XXXX. Four months passed after I requested the Citibank to close my account. 

So I called the customer service to close my card twice between XXXX and XXXX on XX/XX/XXXX. My calls were picked up by two different customer representatives. One call lasted 10 minutes and the other call lasted less than three minutes. These two customer representatives talked to me and knew my call to close the account. However, they said they need to transfer my calls and hung it up. This is a really bad service. 

Then I used the online software and had the account closed, which was shown as RED font in the supporting document attached. 

I complain that the Citibank violated the contract that the issuer should close the account when a customer requests. The Citibank intended to force its customer to stay longer in the contract. This time it was four months after my request. I ask you our government to inspect the  behavior of Citibank. 

Thank you very much XXXX.
Consumer complaint received 2020-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Kenosian & Miele, LLP (CA)

A judgement was placed again me in California while I was living in Arizona. I was a victim of identity theft, and I had my purse taking. I have try to communicate with the company overseeing the account in collection. Today XXXX XXXX refused to send me a copy of the original debt claiming the company Kenosian & Miele LLp mailed it in the past. Not true I have never receive a copy of the originally debt in all my years of requesting it. I never had a contract with XXXX XXXX XXXX A New York Partner prior to finding out about this judgement. The company they represent has sent me a refund check. I only receive the copy of a California judgement. It very unfair and unconstitutional not to see the changes against me. By refusing my request and still insisting I pay while calculating accruing interest I am being treat unfair and unreasonable. When I make a complaint they go away for a while and a year or so come back. These debt collects should show the real debt is accurate and if its real and true. These lawyers learn how to take advantage or the consumer because they are financial bullies to the average low income consumers ....
Consumer complaint received 2020-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OR)

XX/XX/XXXX I dropped down to part-time at the hospital where I have been working since graduation in XXXX. I have submitted regular ECF throughout my employment all previously have been approved for the PSLF. 

In XXXX I submitted two ECF to account for the period between XXXX XX/XX/XXXX and XX/XX/XXXX in which I was still a FULL-TIME employee and from XXXX to present to indicate my current PART-TIME status. FedLoan Servicing incorrectly deemed the period of XX/XX/XXXX to XX/XX/XXXX as unapproved employment and failed to count this period of payments towards my PSLF. 

I have contacted the company three times regarding this error which has been " in review '' since XXXX. After my XXXX inquiry I received an email saying that it was STILL in review and I would be contacted when that has changed. It is nearly XXXX and I still have not had this matter resolved. 

It is concerning to me that FedLoan can not accurately account for a simple status change which is labeled clearly on the paperwork I submitted. How can they be trusted to handle more complicated situations in which a person has two part-time employers counting towards PSLF. 

This error which resulted in me not being credited for 9 months of payments towards my PSLF must to addressed and resolved immediately.
Consumer complaint received 2022-08-12
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. (KS)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (LA)

I usually pay my loan payment early, but I lost {$350.00} dollars income because of the pandemic. I called 21st Mortgage to ask them to work with me, they would not. So I finally got the money together and I paid my loan payment on the actual due date. They charged me {$290.00} finance charge because I did not make a payment in XXXX. But I paid my XXXX payment in XXXX and my next payment was not due until XX/XX/XXXX. I did not miss any payment and was not late making my payment. They said it was because I did not actually make a payment in the month of XXXX. Can they legally do that? I only found out because it caused my credit score to go down and got a notification. Is there any way they can be made to remove that finance charge. That is not fair.
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2020-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, My name is XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.