davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: COAST PROFESSIONAL INC (MT)

I call every 6 months to re-establish my payment arrangement with Coast Professional due to my account being in default. Despite making payments over the past 2 years, I remain in default because Im not willing to give them my husbands financial information, as this loan has nothing to do with him. I also can not afford what they think I am able to afford based on verbal income and expense amounts. I have paid $ XXXX every month for the past 2 years. I have never had a problem setting up my payment arrangement in the past. I typically call, tell them what I need, and they take care of it. Until this time. I have called THREE times and have spent 1.5 hours on the phone just to get absolutely nowhere. IM JUST TRYING TO PAY THEM! During the most recent phone call to them on Friday, I was transferred to a supervisor who proceeded to argue with me about what I can and cant afford. He refused to do anything at all for me because I opted to not give my address. He threatened to tell the federal government that I am refusing to give my address. He further threatened to offset my taxes if I did not get into an approved payment plan. Despite my paying them. He told me that I would get absolutely nowhere making the payments that I can afford making.
Consumer complaint received 2023-12-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NM)

In XXXX I purchased a XXXX XXXX and financed the amount ( Approx {$4600.00} ) through Affirm. I paid off this loan in full. The treadmill was later recalled due to safety issues and I returned it. XXXX refunded the full amount of the treadmill, approximately {$4600.00} to Affirm into my account. Affirm was supposed to refund this amount to me. Even though I had updated my ACH information, they said they had to mail the check. I talked to them on XXXX XXXX XXXX confirmed my mailing address and they stated the refund check would be mailed that day. Almost a month later, I received an email from them asking me again to confirm my address. It was a boilerplate robo type email. I thought they had already sent the check, so I confirmed the mailing address again and called them to ask where the refund was. They couldn't answer definitely if the check had been sent and when and they can not provide any information or tracking as to where it is. Today I was told that the check was in the mail, but again no further details. It is almost two months since XXXX refunded my money to Affirm, and I can't get the refund or straight answer, and instead keep getting emails to confirm my mailing address which I've now done more than five times over the phone and in email. Still, no refund despite hours trying to talk to them. Feels like they are running a scam to earn interest on other people 's money.
Consumer complaint received 2023-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (CA)

on XX/XX/2023 I notice an amount of {$180.00} coming out of my XXXX  XXXX XXXX checking account when I looked into this it said that explorer credit was charging my account deducting {$180.00} for the past three months since XX/XX/2023 they claimed that I applied for a payday loan totaling {$500.00}. I told my bank that I attempted to contact his company and to report this as a fraudulent transaction. They proceeded to charge me knowing that this was fraudulent so I had my bank shut down my account refund the {$500.00} that they claim they deposited and dispute my charges. However, this company has been reporting this on my credit as a default payment I have no need to receive a {$500.00} payday loan. I havent been working for two years. My husband has his own business and I am financially stable. There was no need for a loan of this type for such small amount of money I have contacted this company over a dozen times, including legal advice, and they still have not stopped harassing me and attempting to collect money from me. I would like to report this company as a fraudulently operating company they claim that theyre US-based XXXX but their call centers are in XXXX. I am unable to get a hold of anyone in the United States. I have contacted this company over a dozen times, including legal advice, and they still have not stopped harassing me and attempting to collect money from me. I would like to report this company as a fraudulent Lee operating company they claim that there are US-based, but their call centers are in XXXX. I am unable to get a hold of anyone in the United States, there are over 900 reviews of this company. They have a one out of five star rating, and hundreds of people are claiming them to be fraudulently operated. Please contact me if you need any more information to proceed with this complaint. My number is XXXX. My name is XXXX XXXX. Thank you.
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Im reporting the Apartment ( XXXX XXXX XXXX XXXXXXXX XXXX ) by and the collection agency ( XXXX XXXX XXXX ) for wrongfully charging me {$1600.00} for early termination and XXXX $ for legal fees when I have in-fact not terminated my lease. I have tried to as you will find in the emails I'm uploading as supporting documents- I believe the early termination fees is a wrong claim. I moved out on the last day of my lease XX/XX/2020. They claimed they charged the fee because I did not give a notice, but since they lied about the charge I would like them to remove the charge. The reason I couldn't give a notice is that when I called them to inform of the move out they talked me into extending my lease and offered to reverse the rent increase and I agreed, hence I couldnt have given a notice ( even though I called the office to give the notice as the email will prove ). As you will find in the email I'm sending, I was asked to come in and sign a new lease. This happened during covid and the office was closed every time I went to sign the new lease. Afterwards my car was vandalised which cost me {$850.00} in repair, neighbour pulled a XXXX, dogs without leash, the XXXX in the apartment broke for XXXX and it was not fixed until 2 days to the end of the lease ( ticket completion email was provided to collection agency ), all these and more made the apartment inhabitable, which I reported but nothing was done, so I had to move to my friends apartment at the beginning of XX/XX/2020 but I did not break the lease to avoid penalties. I moved out on the last day of my lease and returned the keys but they refused to do a walkthrough yet they charged me for various things that wasnt accurate like cleaning fridge and oven. All these happened during covid and offices were closed and everyone was on locked down per government advise to prevent spread of the virus. They filled an eviction which they withdrew when I moved out on the move out date on my lease and they charged me for the eviction fees. Also they charged me for trash that wasnt mine, I sent them a photo of the apartment when I moved. The trash was put there by their maintenance guys that had come to renovate the apartment for lease, the picture showed things like paint bucket and wood used for renovation, they agreed to remove this charge but never did. I also have a deposit which was never taken out of the balance they charged. They reported this in my credit and I have tried to dispute but they two companies are trying to frustrate me by denying responsibility and when I speak to the collection agency the agents are rude and they say the charges are valid notwithstanding the facts that there was Covid and the office was closed.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Our Mortgage company said we didnt have adequate homeowners/hazard insurance and said if we don't show proof they will add it to our payment escrow account. During XXXX I believe 2023 after we added the certificate to their web porter they still added the coverage even though they confirmed that they got it. Many months later in XXXX I get a mail letter saying that soon we need to get another insurance since they added it already. I checked my automatic payment thinking taxes went up on my escrow account payment and discovered they added the insurance even though I proved it and they confirmed it. I called in multiple times with no luck. I called again and got someone and they did say they discharged and that it would take another 30 days and the fees might be less for my refund. They stated they refunded {$880.00} on XX/XX/23 and {$250.00} on XX/XX/23. They said they would have to do another escrow analysis in 1 week of XXXX and then they were not sure the exact refund I would get 5 days after that. They keep telling me different things and different amounts. I think they need to be audited they added this for no reason how can I add interest to my money. They told me they have thousands of customers and it's the holiday and this could happen sometimes. That is unbelievable. Please help
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing to dispute the adverse action taken in my credit report and to request that you review the accounts through which I have extended credit. I believe there may be a misunderstanding about my rights and the laws governing credit transactions. As an original cardholder and holder in due course, I am exercising my right to initiate a consumer credit transaction with your company. 

In accordance with federal law, particularly 15 USC 1602, a credit card encompasses any device used to obtain credit, which I have been granted by your corporation. I am fully aware of my rights as a consumer, and credit is a right afforded to me by a creditor, as per 15 USC 1602 ( f ). Reporting to a consumer reporting agency is voluntary, as stipulated by the Consumer Financial Protection Bureau ( CFPB ). I have not derived any benefit from the use of my credit. In fact, the denial of my right to extend credit has caused me both mental and financial distress. There are no federal laws that state a credit score can deny me my right to extend credit, yet the company appears to be overly concerned about my credit score. 

I would like to address the issue of discrimination against an applicant, as such a practice in a credit transaction is deemed unlawful under 15 USC 1691 ( a ). I kindly request that your company reevaluates this matter and ensures compliance with federal laws. It is imperative that you open the accounts through which I have extended credit and rectify the adverse action taken in my credit report.

I take my consumer report and credit-related matters very seriously, and I sincerely hope that this matter can be resolved promptly and amicably. Failing to address this dispute properly may necessitate further legal action. 

I appreciate your immediate attention to this matter. I kindly request a timely response and a resolution to this issue. 

Sincerely, By : XXXX : XXXX XXXX / XXXX / XXXX XXXX XXXX 
For : XXXX XXXX XXXX / XXXX ( WITHOUT RECOURSE ALL RIGHTS RESERVED ) 12 U.S Code 192 12 USC 411 UCC 3-419 UCC 1-308 HJR-192
Consumer complaint received 2023-12-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received a {$100.00} American Express gift card as a gift. I tried to use this card in person at multiple retailers on XX/XX/XXXX and was not able to because it doesn't have a chip. I tried to use it at multiple online retailers on XX/XX/XXXX and XX/XX/XXXX and because it is an " anonymous '' card that you can not tie an address to, no online retailer would accept it. I finally found a tip online from people that have been having this same problem ( for years ) that small dollar amount reloads to XXXX will go through. I was able to move {$50.00} to my XXXX account before the card was shut off with XXXX for suspicion of fraudulent activity. I called American Express XXXX XXXX on XX/XX/XXXX and was told that they can not add an address, they can not remove the block, and that I should just keep trying to use it. I asked for a replacement card and they wouldn't send a replacement card with the remaining balance for the stated reason that I would have the same problem - except it would have resolved MY problem with {$50.00} remaining on the card since I figured out XXXX would allow me to transfer up to {$50.00} off of it before it got flagged. I asked to speak to supervisors 3 times and was denied. I was finally put " on hold '' for a supervisor who never answered. This is a scam and I have absolutely no way to use the remaining balance on this card, they stole money from people and it can not be used.
Consumer complaint received 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

NELNETs website is down every single month for days and wont let me submit a payment. Then they charge me a late fee when I wasnt late to submit a payment I was on time the website just doesnt me submit a payment and then it goes overdue. This happens every month and when I try to call them via phone their hold time is 3 hours long. They have no live chat support option and it is impossible to have someone at nelnet help you. Ive also had someone at nelnet hang up the phone on me after a 3 hour wait time.
Consumer complaint received 2023-12-17
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Southern Management Systems Inc. (FL)

A collection agency under the name " Southern Management '' is reporting two incorrect " past due '' debts on my credit report. One debt is reported to my credit under account number # XXXX for {$730.00}. The second is being reported under account number # XXXX for the amount of {$3400.00}. 

These debts have been damaging my credit report for years and to date, this company has not been able to validate that these are even my accounts. My credit report indicates that the original creditor for the {$730.00} debt is an apartment community named " XXXX XXXX '' and the {$3400.00} debt is another apartment community named " XXXX XXXX  ''. I have personally contacted both of these apartment communities and they have no record of any debts owed for these amounts. 

Prior to reporting, I received no written notice that Southern Management were placing any debts on my credit report. In XXXX  and over the course of the year XXXX, I have been working with the credit bureaus to remove incorrect collection accounts from my credit for debts that can not be verified. Through direct disputes with the credit agencies, I have requested that Southern  Management provide proof of the debt that they claim I owe them. To date, I have not seen a single document provided to me by Southern Management, XXXX XXXX or XXXX XXXX showing any signed agreements validating that I owe them this money. 

In retaliation to my disputes, Southern Management continues to report these debts to my credit report and has aggressively increased their efforts to collect these debts. I was recently contacted by a former employer who told me that Southern Management Systems was searching for me to pay off this debt and seek legal action against me. I was told that they are now threatening to sue me to collect on this debt. I can not believe that this company has now gone so far to contact my former place of employment to collect on this debt. It is bewildering to me that this level of abuse can continue unregulated when they have not been able to provide a single document of proof showing this debt is valid. 

I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The XXXX XXXX XXXX currently has a 100 % negative review rating and XXXX has countless stories of this company being involved in scam efforts. 

I refuse to continue to have my credit damaged, my good name smeared and my life ruined by this company.
Consumer complaint received 2020-04-27
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)

XXXX  XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX BANKDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute MXXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned.

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report.

You have furnished excluded transaction information on the following accounts : XXXX XXXX XXXX  XXXX XXXX The inaccurate furnishing of data has had a significant detrimental

impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that
specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This is a notice. Thank you for your time,
Consumer complaint received 2024-09-12
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (NV)

XXXX XXXX Comerica sent my debit card loaded with funds to somewhere else activated. Even though I wasn't in contact every step away by emails which while I will enclose. They sent it somewhere else, activated it. The money 's gone and they refused to speak to me
Consumer complaint received 2020-04-27
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)

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Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2023 After looking at my credit report, I noticed You are reporting irrelevant outdated information. 
My only address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX. 

My only name is XXXX XXXX XXXX Please remove any other address you Are reporting on my credit report as it is Not accurate relevant data. 

Due to recent find of identity theft I fear this false reporting address my also have affect on my identity being compromised. 


Thanks XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts must be removed from my credit report! 

I am filing the necessary paperwork in order for my request/demand to be made. The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} ( LOAN ) These three accounts are unauthorized and were not open by me. They must be removed from my Experian, XXXX, and XXXX credit reports!