davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}
Consumer complaint received 2019-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

on XX/XX/XXXX there was a pending transaction that caused my account to run negative by a few dollars so I had a deposit made in the amount of {$50.00} to cover any potential overdrafting once the transactions finalized the bank went ahead and charge me a fee of {$38.00} and on that same day manipulated a transaction that was pending for approximately {$20.00} to post at a later date which resulted in a second fee of {$38.00}. I have spoken with two or three different Representatives that have refused to do the right thing and credit my account and now I am negative 50 plus dollars instead of being positive {$24.00}. I have since threatened to cancel my account which I'm in the process of looking for another account.
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (AL)

I have been calling and explaining to Equifax that my car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. I spoke with someone today stating they had received the FTC identity theft report but it was after the time the review department has issued a decision. I am asking again that the information on this IDENTITY THEFT Report be deleted.
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MD)

For several months I have been attempting to retrieve a refund from XXXX  XXXX XXXX ( XXXX ) for {$100.00} as a result of the final payment on my account ( on XX/XX/2018 ) being greater than the balance at the time. In XXXX I was told that the refund would be sent to me in 45-60 business days. Then on XX/XX/XXXX, after 60 working days had passed, I was told that the refund would not be sent to me but would rather be sent to the financial institution that refinanced the loan. After contacting the financial institution that refinanced the loan, I informed XXXX  that they never received such a refund and XXXX responded on XX/XX/XXXX saying that a request would be sent to an account specialist to obtain a reference number or any information regarding the refund. 46 calendar days ( 30 working days ) later I have yet to receive any information regarding the refund. On XX/XX/XXXX I called XXXX to once again inquire about the refund and was told that the check just happened to be mailed that day and that I would receive the check by mail at my home address in 1-3 weeks but " definitely '' by 3 weeks ( though I was told that there was no reference/confirmation number for the check being mailed ). After 3 weeks ( on XX/XX/XXXX ) the check had still not yet arrived. After sending another email on XX/XX/XXXX saying that I never received the check I was told that XXXX had " sent a follow up request to ( their ) Accounting Department '' and will let me know once they have an update. 

It has now been 133 calendar days ( 91 working days ) since the last payment was made on my XXXX account and the difference between the last payment and remaining balance has still not been returned to me.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I AM HAVING PROBLEMS WITH UNKNOWN numbers and inaccurate information on my credit report please delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I need the following accounts deleted from my credit report they are not accurate : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX/XXXX XXXX # XXXX I have never owned a XXXX XXXXXXXX account in my life it has to be one of the worst credits on the market and I would never apply for a XXXX  XXXX CARD! ALL MY LOANS ARE IN GOOD STANDING. PLEASE DELETE ALL XXXX ACCOUNTS MY LOANS ARE WITH XXXX XXXX NEVER XXXX/ XXXX.
Consumer complaint received 2019-11-03
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MD)

Was informed XX/XX/XXXX that money would be taken out of my bank account on XX/XX/XXXX if I did not submit in-school deferment forms. 
Faxed in-school deferment forms to Sallie Mae on XX/XX/XXXX. 
Was told by an agent on the phone XX/XX/XXXX there was no record of them ( despite the fact I have a receipt of a successful fax to the proper number ). She directed me on how to upload them online. 
Was told on the phone by a second agent three hours later that the forms were received. 
Was told by BOTH agents on XX/XX/XXXX that absolutely no money would certainly be taken out. 
Money was taken out XX/XX/XXXX. 
Spoke with an agent XX/XX/XXXX who contradicted the two agents I spoke with XX/XX/XXXX. She asserted the payment could not be stopped and denied that XX/XX/XXXX was the date they told me money would be taken out ( which they did tell me on XX/XX/XXXX ). She also told me it was my bank who decided to pull the money then, not Sallie Mae ( which is false ). This agent went on to tell me Sallie Mae would continue to collect monthly payments even if my in-school deferment was approved because I enrolled in auto-debit ( on XX/XX/XXXX ), which is not in accordance with the auto-debit Terms and Conditions. She also went on to say that the other agents I spoke with had no responsibility to tell me that I should withdraw from auto-debit.
Consumer complaint received 2019-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I can't get XXXX Credit Score from XXXX XXXX. 
I am worry about that My application of XXXX XXXX Credit card now. 
So, Would you check that Why Credit score of XXXX is N/A.

XXXX is XXXX and just fine.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST HORIZON BANK (NC)

I bought a car in XX/XX/XXXX and was financed by Capitol Bank. Capital Bank sold the loan to XXXX XXXX XXXX in XX/XX/XXXX. They deferred my payments for 2 months and stopped reporting to the credit bureau. Capitol Bank never reported selling the loan to XXXX XXXX XXXX to the 3 reporting agencies. My car loan just disappeared from all 3 reporting agencies. I found out in XXXX of XXXX when I purchased a vehicle for my daughter and got hit with a high interest rate because my vehicle was not showing on my report. So the company says that the are manually putting in not only my payments bother other customer accounts that they purchased and will be doing bulk reporting. So they have not been reporting for over a year and since I brought it to their attention in XX/XX/XXXX they still have not fixed the problem. They said they do not know when it will be finished and as soon as it's done they will report all payments. In the meantime they sent me a transaction sheet in XX/XX/XXXX. I requested another on in XX/XX/XXXX and never got it.
Consumer complaint received 2019-11-03
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. (OH)

I AM HAVING PROBLEMS WITH UNKNOWN numbers and inaccurate information on my credit report please delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I need the following accounts deleted from my credit report they are not accurate : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX/XXXX XXXX # XXXX I have never owned a XXXX XXXX account in my life it has to be one of the worst credits on the market and I would never apply for a XXXX XXXX CARD! ALL MY LOANS ARE IN GOOD STANDING. PLEASE DELETE ALL XXXX ACCOUNTS MY LOANS ARE WITH XXXX XXXX NEVER XXXX/ XXXX.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NY)

I been trying to get in contact with XXXX XXXX, I want to inform about an error that I noticed on my XXXX credit report for {$950.00}, this company claims to didnt receive equipment which I personally dropped off in one of their stores in XXXX NY. 

I also have my receipts of the returned equipments back in XX/XX/XXXX.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-03-19
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: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX XXXX Comenity bank send my account with them to a Midland Credit Management XXXX with a balance of {$600.00} dollars because they was saying that I old money to them when I know that wasn't true but I deal with XXXX about paying this amount of money, I finish paying that amount on XX/XX/2024 and when I check my credit score shows that serious delinquency report is on my credit with out no reason because I don'told nothing to any of them. Need your help to fix my credit report.
Consumer complaint received 2021-12-02
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)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

For over 2.5 years I have been trying to get FedLoan to correct my payments for the PSLF program without any success. They payments have been incorrectly not counted after multiple attempts at resolution. Finally the counts were corrected, the issue is that I could have applied for PSLF in XXXX/XXXX XXXX XXXX, but the payment number was not corrected until late XX/XX/XXXX. I received a payment count update in XX/XX/XXXX which was missing around 17 months of payments. I then received another updated payment count in XX/XX/XXXX, showing the correct number of payments after almost three years of regularly communicating with FedLoan and getting nowhere. 

After all of that, they forgave one of my loan sequences, but then " inadvertently missed '' ( their words ) the other two large loan sequences for no reason. They simply didn't process my other two loans and have done nothing to ameliorate the situation.
Consumer complaint received 2021-07-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

We applied for a loan forbearance during Covid because my husband was laid off and I was not suure of my position. We ended up with a 5 month forbearance instead of 6 because he went back to work and we were ablee to make our payments. We started the modification process in XX/XX/XXXX. We signed the paperwork and were directed to mail in our monthly payments for XXXX, XXXX and XXXX XXXX. We were never sent the second part of the modification agreement so I called and spoke with Huntington. They said they were behind on the process because of Covid and I should call in to make my payments until the paperwork arrrived. I made my mortgage payments over the phone for XXXX and XX/XX/XXXX. I called several times to see how the process was going and was told to continue calling in my payments. I was told that my payment increased due to a taxes and that I owed larger payments. I continued to call in the larger payments and was told numerous times that they would send my requests to complete the modification process along to the department. I was told they did not have a direct phone number and that all requests were submitted through email from their end. 
We decided to refinance our home in order to get a 15 year mortgage and better interest rate. I talked to a Huntington representative and asked about rates. He ran our credit and told me to contact the loss litigation deparrtment to get the modification finalized. I decided to look into other companies for better interest rates and custoomer service. We have been approved for completed all the steps necessary to refinance our mortgage but can not get an accurate payoff amount from Huntington. We continued to call in our payments through XX/XX/XXXX but have not been able to complete the modificaiton process and have our 9 months of payments applied to our loan. 

We have called numerous times, waited on hold for hours, been hung up on and even used a 3rd party person to prove we made the required payments. We have bbeen told nuumerous times that they are on step 4 of 6 for our modification and that every modification is taking this long because of Covid. We are supposed to close on our refinance nex week but no one can get an accuurate payoff amount for our Huntington VA mortgage. 

This is affecting our opportunity to refinance and secure our financial future. We are unsure of where our payments have been going and what will happen in the future. We need help to get this situation taken care of and to warn others so it will not happen to them.
Consumer complaint received 2020-12-08
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. (TX)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

IN THE PAST 3 MONTHS MY FICO CHANGES WITH NO REASON .... I HAVE A SEVERE DISPUTE WITH BANK OF AMERICA, WHO MANAGED 2 CREDIT CARDS, MAKING ENDLES ERRORS ... NO BODY ANSWERS LETTERS, NO BODY CORRECT ERRORS..THE FACT IS THAT THEY OWE ME MONEY ... AFTER I FILED A COMPLAINT MY SCORE WAS CORRECTED, BUT NOW IS DOWN AGAIN. HAVE WRITEN LETTERS TO ALL CREDIT COMPANIES, NO BODY RESPONDS???? XXXX  IS THE WORSE, I HAVE SEND AT LEAST 5 REQUESTS, DEMANDING THE REASONS, NO RESPONCE???? ON XX/XX/XXXX I FILLED A COMPLAINT AGAINST BANK OF AMMERICA XXXX XXXX ... .NO RESPONCE UP TO DATE???? I HAVE EVIDENCE THAT BANK OF AMERICA IS HAS DEFRAUDED ME, AND CAUSED THE CHANGE OF MY SCORE ....
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I am client with Equifax XXXX for credit report i paid XXXX $ and XXXX $ respectively for credit report which i have got the report. Now i want to cancel my subscription also remove my credit card details. In their online service website doesnt have options to cancel the subscription nor they have option to delete my credit card details. since they provide credit report online and take payment online. Why they do not have option to cancel the subscription. When i spoke to them they do not have supervisor or manager to answer my questions no they have call transfer facility. They always technical difficulties. I feel scammed reason being they do not operate 24/7. Refused to proceed my request to cancel the subscription on my first call.
Consumer complaint received 2020-12-08
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. (CA)

THIS ACCOUNT IS NOT REPORTING CORRECTLY AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I'VE TRIED TO CONTACT TRANSUNION SEVERAL TIMES AND WAS TOLD BY THE REPRESENTIVE THAT THEY ARE WORKING FROM HOME.
Consumer complaint received 2019-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (IL)

I had a XXXX on XX/XX/XXXX and was Out of work for 6 to 7 months. I contacted the bank and asked for help and I spoke with XXXX XXXX whom said she was the client foreclosure prevention representative who would help me with resolving the matter. I was encouraged to apply for a modification. I applied for a modification and got approved for a forbearance for the months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I didn't have the full amount due which was for 7 months. I spoke with the preservation client representative and advised that I didnt have the full amount due for the entire 7 months but only a portion of the amount {$5400.00}. She advised me not to send in the money, that I had to fill out a new application form for the modification and she was going to mail it to me and she would review it and respond back in 30 days. She sent the application, I filled it out and sent it back then I received a notice from the bank saying the modification was unapproved and I only had the option to do a short sale and I had to reply by XX/XX/XXXX to accept the offer to do the short sale. I looked for an attorney that practices in foreclosure prevention and located the XXXX XXXX XXXX and asked for help.
Consumer complaint received 2017-12-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Since XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to Equifax. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that Equifax remove this account from my credit report but they continue to disregard my wishes. This account was closed in XXXX and should not be on my report anymore. The creditor reported this account again to Equifax on XX/XX/XXXX due to my dispute did not delete this account.