davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

American Express Pre-Approved our XXXX  thru XXXX XXXX XXXX account ; reason for denial is mind-boggling. 

Always same questions??? Why is it only XXXX XXXX XXXX XXXX XXXX always bite the dust??? 

Regardless of our qualifications, credit scores or meeting credit requirements criteria.
Consumer complaint received 2022-09-12
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. (SC)

In accordance with the Fair Credit Reporting act XXXX 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (VA)

I learned recently about the TEPSLF opportunity looking at the news. So I started researching this program and found out that it was temporary. This lead me to research the Public Service Loan Forgiveness ( PSLF ) program. After doing much research, I saw that in order to qualify for this  program I had to be in an income-based repayment plan. I've taken a forbearnace for the last 3 years. Every year I called, the XXXX XXXX representatives NEVER informed me that instead of taking a forbearance that I actually could of entered into an income drive repayment plan and get a much lower monthly payment that would've been counted as a qualifying payment under the PSLF program. I am still having financial hardship and I have no other options as I have now exhausted my forbearance and I have no choice but to pay a very high monthly payment! I felt that the representatives I spoke to over the years did not have enough knowledge about repayment options and lack training. This really saddens me as now I can't go back in time and I'm stuck due to XXXX XXXX incompetent staff.
Consumer complaint received 2022-03-29
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. (MS)

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} This is a direct violation of my rights as a consumer under 15 usc 1681i ( a ) ( 1 ) ( a )!
Consumer complaint received 2018-06-21
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. (MA)

I'm perplexed to find out that the 3 major credit reporting agencies [ XXXX, XXXX, and experian ] hasn't responded or resolved the issues that I have constantly sent to them. I've noticed that there are multiple inaccuracies, and errors on my credit report which i've attempted to contact both credit bureaus, original creditors and the debt collectors. I haven't received any responses from them and would like amicable resolutions into these accounts. 

I'm certainly not aware of the following accounts and I don't believe I was ever late on them .... 

XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm perplexed to find out that the 3 major credit reporting agencies [ transunion, XXXX, and XXXX ] hasn't responded or resolved the issues that I have constantly sent to them. I've noticed that there are multiple inaccuracies, and errors on my credit report which i've attempted to contact both credit bureaus, original creditors and the debt collectors. I haven't received any responses from them and would like amicable resolutions into these accounts. 

I'm certainly not aware of the following accounts and I don't believe I was ever late on them .... 

XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX   # XXXX ; XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 I applied & was approved for a Costco Citibank card. I never received the card in the mail, so I called on XX/XX/2023 and XX/XX/2023, only to be told there were charges on the card, which I confusedly told them that's impossible as I'd never received it. 

Someone stole the card either on the mail route, or from my mailbox and charged {$800.00} in XXXX days on the credit card ; Citibank did not inform me of this until XX/XX/2023 when I called in looking for my card. 

They have since overnighted me a card which I activated on XX/XX/XXXX, but they carried over the {$800.00} in fraudulent charges which is nearly half my credit limit ; they also did not immediately credit me for the fraudulent transactions, even though all of these transactions were made in XXXX ( two counties over from me ) and I live in XXXX XXXX. 

I want these charges immediately credited, as I have proof & timesheets that I wasn't in that area as I work during the week.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 

XXXX  XXXX XXXX : XX/XX/2023 XXXX : XX/XX/2023 XXXX : XX/XX/202XXXX XXXX : XX/XX/2023
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

On XX/XX/20 a principal reducton payment was made. On XX/XX/20 I noted that the lender, PNC Bank, applied principal paydown on loan to future payments due. A call was made on XX/XX/20 asking them to correct and they did with an effective date of XX/XX/20, which was 19 days after the payment was received. With this interest charges accrued on the funds for 19 days. PNC bank refused to accurately apply the principal reduction, stating that " once applied, we can not date it backward. The interest accrued is small, the practice is not ethical and seemingly PNC is breaking the law. If they do this to thousands of customers, the interest adds up to a significant amount. As a side note, they also record calls without advising the customer in advance, a violation of California Penal Code 632.
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (FL)

my name is XXXX XXXX XXXX XXXX, i'm buying a house and when they went to check my credit, they informed me that they would have a truck financing in my name at a financial institution called westlake financial service. I tried in every way to show that this was a fraud, but they did not remove it from my credit. 
I have my social security for just over 1 year, so it is impossible for me to have introduced it in the purchase. I never bought a truck, I never signed any contract, this debt is not mine.
Consumer complaint received 2020-10-19
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. (CT)

on XX/XX/2020 i s

tarted a dispute regarding to incorrect information been report on my credit report with follow up letters none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. please see attached all the letters i sent to this company Thank you!
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC. (PA)

On XXXX/17 @ XXXX, I missed a call from ( XXXX ) XXXX. I immediately returned the call. I was then asked for my information and I asked what agency had I called. I was told that it was a debt collection agency. The name was inaudible by the female representative. I asked her about the debt and she said it was for XXXX in the amount of {$260.00} and immediately started to ask me abut the course of action that would be taken. I told her that I am not familiar with her company and could she tell me again and that I would reach out to XXXX. This is due to me receiving upward of 50 phone calls daily from robo and scam calls. She told me it was Halstead Financial Services. I also asked her to mail the documentation pertaining to the debt to me She continued to disagree. I tasked her again She told me that they had already sent a letter. I told her that I had gone through my mail and did not have anything within the past 1-2 weeks from them and that I need them to put the debt information in writing. She refused to mail the document and yelled " it will not work under your terms ''. I hung up the phone to prevent further aggressive talk while I was at work. I walked outside and called back at XXXX to get her name. " XXXX '' continued to try to collect the debt and would not provide the name from the notes in the account even after I told him that I was in the process of filing a complaint and that I would add his name as someone that I have spoken to.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NewFed Mortgage Corp (MA)

I contacted via email to NewFed Mortgage company for refinancing my home loan on XX/XX/2020 providing my name, address, estimated house market value, my current outstanding loan amount, and my credit score. They got back to me on XX/XX/2020, stating the interest rate is 3.125 paying {$1500.00} or 3.25 paying XXXX for closing costs. I declined the offer saying my current interest rate is 3.5 % and did not start the application process as I am looking for a much lower interest rate. 

NewFed came back stating if I can share my current mortgage statement, they might be able to check if they can give a better rate. I shared the document, and they came back with 2.75 % for {$1500.00} closing cost for 27 years. I agreed and filled the application. 

On XX/XX/2020, after running the credit score, they come back and give me a rate of 3.125 % with a $ XXXX closing cost. When asked, they told me, sorry,2.75 % was mistakenly quoted to me, so I requested them to remove the credit check from my file as this not what agreed and that I don't want this interest rate from first. Then NewFed rep says he will contact his operations manager to get his removed after talking to the credit bureau agency. He also apologized for the mistake. 

On XX/XX/2020, they come back stating we can not do anything, and my score will be down only 1-3 points, and I got 14 days to shop around, and after 14 days, if I get the lower rate i am looking, it will be considered another check. I told NewFed that I did not agree in the first place for 3.125 %, but NewFed convinced me that it is 2.75 %, and then I filled the application. After applying, they come back with an offer of 3.125 % with a $ XXXX closing cost, and I should consider it. When pushed them to for the rate they agreed, NewFed came and gave me an interest rate of 2.875 % with XXXX closing costs for a 27-year term. So I asked them what the breakup cost and they provided me the details on an email. I agreed to go ahead. 

Today ( XX/XX/2020 ) - I am told the rates are up, and they will give me 3 % the excuse they give me is I did not lock the rate. If I want 2.875 %, I will have to buy the points or wait for the market to come down next week. 

They wasted 3 days, and all they say is sorry it was an honest mistake. Well, their honest mistake is putting my credibility in check. The credit check done by NewFed will stay on my file for the next 2 years.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I purchased a car through Capital One auto loan financing and when I was done paying for the loan they sent a letter to the three credit bureaus that the loan was charged off it was not so I wrote them a letter on XX/XX/2019 and they told me that it was a charge off. So I got XXXX XXXX  to help me get it off my credit and they could not get it off my credit so I come to the XXXX for help.
Consumer complaint received 2021-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC (MN)

I received a 30 day late notice on my XX/XX/XXXX payment from Continental Finance after successfully making my payment within the " CFC '' app. Once I received the notice, I called their customer service team and they informed me that I would need to send in a fax stating what happened and it would be reviewed/taken care of. I sent in a fax on XX/XX/XXXX and was told that it would take 72 hours to review the fax with a decision. 1 week went by and I heard nothing from the company. I then called back in and another customer service representative directed me to send in another fax because the initial one had not been received. I proceeded to send in another fax on XXXX. I followed up with calls and was told by 4 different customer service representatives that they would follow up with an answer. I never received a follow up call from the reps so I called back in on XX/XX/XXXX. on XX/XX/XXXX I was told that the fax hasn't been received and I would need to send in another fax. I am in the process of applying for a mortgage and this 30 day late is stopping me from getting good rates.
Consumer complaint received 2021-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

1 ) I have submitted my PSLF certification documentation as I do each year from my federal employer, the XXXX. XXXX is delaying the certification of my payment history for XXXX. It keeps saying it is still evaluating my employment. The company 's website also says it has reached a determination but its letter sent to me keep asking for more time to evaluate. I believe it is intentionally delaying certifications of XXXX forms. 

2 ) Please provide detailed statements for all loans from XX/XX/XXXX to XX/XX/XXXX and count these towards PSLF. I was employed at the XXXX XXXXnd made qualifying payments. XXXX has inaccurately marked the loans as in forbearance or deferment or no payment due. This is not true. It must correct its error and count these months towards XXXX.
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I've received three letters informing me I've missed payments for specific dates. I'm constantly receiving notices of missed payments for different dates that I have already paid. This is a form of fraud and discrimination of a senior. This is the third time I have received the letter. I have attached the last letter sent to me as well as the bank statements of payments for those listed dates. 

The letter states that I've missed XX/XX/XXXX. On the first bank statement, I paid an amount of {$640.00} on XX/XX/XXXX. The letter also states I missed the XX/XX/XXXX payment. On the second bank statement attached, an electronic debit of {$640.00} was withdrawn on XX/XX/XXXX. The letter states, " Your XX/XX/XXXX payment of {$640.00} was applied to your XX/XX/XXXX payment. '' Why is there an applied payment from XX/XX/XXXX for XX/XX/XXXX when I've already paid on XX/XX/XXXX prior? Refer to XX/XX/XXXX bank statement below. The letter states, " We have no record of receiving a payment from you in XX/XX/XXXX. Refer to the third bank statement below of XX/XX/XXXX. An electronic debit of {$640.00} was taken on XX/XX/XXXX. 

The only correct date on the form I've missed is XX/XX/XXXX. I paid TWICE in XXXX to resolve that issue. The first payment should have been applied to XX/XX/XXXX and the second payment should have been for XX/XX/XXXX originally. But it was not applied. Instead, the letter shows the XX/XX/XXXX payment was issued for XX/XX/XXXX. It should have gone towards XX/XX/XXXX due to XX/XX/XXXX already paid as proven in the bank statement. And XX/XX/XXXX should have been applied for XX/XX/XXXX.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

THE COMPANY HAS BLOCKED MY BANK ACCOUNT. AND I CAN'T GET MY MONEY OUT, I ALREADY WENT TO THE BANK IN PERSON BUT THEY TELL ME THEY CAN'T HELP ME ALSO CALL THEY ALSO TELL ME THEY CAN'T HELP ME, THEY TELL ME EVERYTHING IS OKAY THEY DON'T UNDERSTAND WHY I HAVE BLOCKED MY ACCOUNT,
Consumer complaint received 2020-07-17
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. (TX)

I attempted to obtain all 3 credit reports on XXXX XXXX XXXX and was advised that I could not get it and I also tried to get all 3 Credit reports through Experian and after signing up was advised that they could not get it.
Consumer complaint received 2018-06-21
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. (MO)

Applied for mortgage through XXXX XXXX and they said my report included my dads credit cards and mortgage. I dont own any property and have no XXXX or XXXX credit card.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I have been a victim of ID theft THIS IS NOT A DISPUTE. I have notified the 3 credit bureaus numerous times on this crime and they are willfully, knowingly with intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. They are even allowing the alleged creditor to change the account numbers and dates to keep the fraudulent accounts on my report to cause me damages. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please see Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a violation of several sections of the FDCPA AND FCRA specifically sections 605 ( b ), 615 ( f ) and 623 ( A ) ( 6 ). PLEASE IMMEDIATELY REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS within 4 days of receipt of this report.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I opened account in Mid XXXX or XXXX I had a charge for a subscription I call PayPal we canceled it together they refunded my account then the following month they put it back on there and then I called and tried to have it removed they did not want to remove it so I let that account cancel so in XX/XX/XXXX I opened a new account and then I ordered a subscription of ugly food and canceled it was hit the next month so that was twice that I've had two accounts going to a negative balance when that is not allowed to happen supposably so I am willing to pay for the two things but I don't see that it's fair being I can not overdraft my account but payal can put me in the negative balance and so I'm really wanting PayPal to release my funds I don't care about ever using PayPal again I just want my tax return for XXXX back I am currently unemployed and it would really help thank you