davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (ME)

I Opened A Credit Card With XXXX. Used The Card, Paid, Used It Again, And Tried To Pay It Off... The Gentleman In The Call Center Refused To Take A Payment, I Asked For A Supervisor, He Hung Up On Me. I Kept Calling Back, Trying To Submit A Payment, Again They Refused. I Caught XXXX XXXX, Lost My Job Due To Closures, And Couldn't Pay The Bill. I Made Contact With The Company, They Informed Me That The Bill Was Going To Collections, Despite My Continued Efforts All Fall & Winter To Pay It. When The Pandemic Was The Worst I Checked My Score Randomly And Saw A New {$600.00} Bill On My Report, Not Recognizing It I Did Some Digging & Found Out That It Was The CreditOne Card. Under The Name Of LVNV Funding LLC. They Doubled My Credit Limit And Slapped That Total On My Report Plus A Few Dollars. I've Tried Talking With The Company, I've Tried Disputing It. All I Receive Back Is A Statement That The Information Is Correct, It Is Most Certainly NOT Correct. Unfortunately I Lost My House, Almost XXXX, Then My 3Br Townhouse & Surrounding Complex Was Sold To A Golf Course And Every Document I Had Is Gone. Everything I Had Is Gone.
Consumer complaint received 2021-12-10
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. (NY)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (WI)

Someone used my Social security number, my name, home address, to obtain a Best Buy XXXX XXXX and purchased merchandise. The transaction was said to have occurred on XX/XX/XXXX, Plaintiff : [ Name ( First, Middle, Last ), Address, City, State, Zip ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The plaintiff states the following claim against the defendant ( s ) : Plaintiff Demand:1. 
Plaintiff demands judgment for Claim for Money {$1400.00} WHEREFORE, the plaintiff demands judgment against the descendant in the amount of {$1400.00}, as well as the costs on disbursements of this action in any other relief this court deems just and equitable. 

Plaintiff waives statutory attorney fees. 
NOTICE : This communication is from your debt collector. This is an attempt to collect a debt, and any information obtained will he used for that purpose. 
Dated this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

Money transfer transaction was made on XX/XX/2020 morning Pacific Time and was supposed to be in the recipient 's bank the on XXXX XXXX per receipt and confirmation of the transaction. The money was not made available up to the filing of this complaint ( today 's date is XXXX XXXX ). I have checked with Western union on the 2nd day and was told that it will be on the recipient 's bank on the following day but to no avail, checked again on the 3rd day and said that it will be in the following day bu again to no avail. Today, I spoke to them again and was told that the money will be available in the recipient 's bank on Monday, XX/XX/XXXX. If that money I sent is for emergency purposes, the recipient could have been dead by now because of the bad processes that WU is having. Promises here and promises there, giving wrong information and misleading the consumer to the real problem of the transaction. It is maddening that this happens because whatever money sent to a loved one outside the US has a very important purpose. Besides, these are hard earned money. WU can not explain to me what was the cause of the delay they made it hard for me as a consumer to get a resolution to the problem by passing me on from one agent to another, from one specialist to another, and in between calls that they put me on hold, they suddenly cut the line which causes me more to be upset and frustrated. I want to claim damages on this particular complaint. They should not cause this kind of problem to their consumers. I want to escalate this to the legal agency.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : File No. XXXX I am filing this complaint because Transunion has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

I am a XXXX veteran and had 2 usaa secured credit cards : one with a {$5000.00} limit and one with a {$1200.00} limit. Times got tough and I was unable to pay my bills all the way off. There were just a few dollars owed on each account, but the late fees and over the limit fees caused them to go to approximately - {$75.00} and - {$120.00}. I attempted to reopen the cards and was told I couldn't do so via chat to call. Then I called and was told I couldn't do so via phone to write a letter. Then I wrote a letter and was told they couldn't be reopened because they were chargeoffs. Then I asked for a pay for delete and that was declined. Then I asked just to pay the debt and was told it is not their responsibility to provide a method for me to pay them since they are charge offs, that if I wish I can just send a check to the bank with a note requesting them to apply it to my account- which doesn't sit right with me. I requested an invoice and was denied. I requested to pay for them online and via phone and was told no. One representative helped me add them to my bill pay on the USAA mobile app, but thr system would not allow me to process the transaction- i was told " oh well, we tried '' in response. They are continuing to report the late balance on my credit report monthly, and I can not pay it or stop it or reverse it or anything. I want to buy a house and this is a big problem. I have been dealing with them on this issue for over a year. 

It's {$200.00} .... and I can't even pay it to make it stop. Let alone get it removed. I should have been able to pay this in XXXX. I have been with usaa since XXXX.
Consumer complaint received 2020-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Klarna AB (GA)

I used the " see if you qualify '' on the XXXX while shopping for new golf clubs. The offer said it won't impact your credit score, they use a soft pull to obtain my credit score. I was offered a 9.9 % APR with a 24 month term to finance the golf clubs iI ordered. During the process a contract was provided, but showed 19.99 %, not the offer I was approved for. I then received a notification from my credit monitoring service a hard inquiry has incurred from XXXX. I called Klarna this morning and was told I had a 30 minute wait to talk with a rep. I used the chat service asking for a copy of the contract for the XXXX purchase. They could not help and said this request will need to eseculated and will take 1 to 3 business days for a chat rep to contact me. I never received a copy of the terms and agreement for credit., they pulled a hard credit inquiry when Klarna said it was a soft pull. I called XXXX and cancelled my order and asked to close out the Klarna account. XXXX said I will need to contact Klarna. klarna has not provided any information on the terms, account number of agreement. The mobile only provide info on the order, how to setup auto pay, but no contract or account number to reference.
Consumer complaint received 2022-10-07
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CA)

I found these unauthorized inquires on my credit report. 
XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Credco XXXXXX/XX/XXXX Credco/XXXXXXXX XXXXXXXX  XX/XX/XXXX Credco XX/XX/XXXX
Consumer complaint received 2019-12-27
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. (IL)

As of XX/XX/XXXX, All three major credit bureaus ( Equifax, XXXX, and XXXX   ) are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank you.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I do not recognize these credit inquiries. I have asked the credit bureaus to remove inquiries because they are inaccurate. The credit bureaus did not remove inquiries that i asked to be removed. I am providing an identity theft report and a copy of my drivers license, I am requesting that the be remove
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

The American Express account was closed but there was a remaining balance of {$3.00}. In XXXX of 2019 I called to pay the account and the customer service representative removed the amount because she said it was trailing interest so the account balance was {$0.00}. Today, XX/XX/XXXX, I notice the amount is still being reported on my credit report and is showing 120 days late. Once again, I called them and they removed the interest but would not remove the derogatory report from my credit report.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (UT)

The wait times to get a hold of Nelnet to service my student loan account have been insane for months. I have called multiple times since the pause ended only to be told by a robotic voice that the wait times are upwards of two hours with no option to be queued and called back. As a working professional that is actively contributing to society every day, it is extremely rare that I have two hours to burn to listen to terrible hold music while I patiently wait for someone to answer the phone to answer basic questions about servicing my student loans. I live in the mountain time zone and practically all of their customer service hours are during the work day, so it is virtually impossible for me to commit the time required to speak with a human being at Nelnet. 

If the government wants its money back so badly, then it needs to fork out the cash to service the portfolio. It's insane and frankly insulting to expect borrowers to enthusiastically pay their loans back while contracting with a servicer that literally does not have near the resources required to perform the most basic and critical functions of servicing a student loan portfolio. 

Additionally, when the pause ended, I had some loans that were in their grace period and others that grace had been exhausted on. I applied for the SAVE program and only my loans with exhausted grace went into the SAVE program. The rest of my loans still in grace remained in Extended Standard Repayment. I was forward thinking enough to call Nelnet ahead of the pause and was able to speak with someone about this and was assured that my loans in grace would go into SAVE as soon as they converted into repayment. Those loans converted on XX/XX/ and unsurprisingly remain in Extended Standard Repayment. So Nelnet 's representatives just made up an answer to my question rather than just saying " I don't know, let me follow up with you '' and actually taking the time to figure out what was going on. 

It is infuriating that the federal government has refused to support its student loan portfolio 's borrowers at nearly every turn. To add insult to injury, the DOE has decided to contract with a terrible, good for nothing servicer. I am so disappointed that they went with Nelnet because XXXX XXXX was so much better. 

Bottom line, the government needs to ensure that its student loan servicing vendor has the resources it needs to service the portfolio. It is literally the bare minimum required to get their precious student loans back.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX FRAUDULENT ACCOUNTS : XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX. {$1500.00}. CHARGE OFF CREDIT XXXX XXXX XXXX  ACCT # XXXX OPENED XX/XX/XXXX {$240.00}. COLLECTION ACCOUNT XXXX XXXX. ACCT # XXXX. OPENED XX/XX/XXXX. {$1500.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX COLLECTION ACCOUNT These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (MI)

I received a letter from Allied International Credit Corp ( US ) dated XX/XX/XXXX that stated my account had been referred to their office for collection by XXXX, the creditor. The total balance due states {$280.00}. 

I have not purchased anything on XXXX since I believe XXXX? And the total amount was probably only about {$30.00}. This charge is invalid. My XXXX account shows I have no orders or owe any money. 

I will be notifying Allied International Credit Corp that I dispute the validity of the debt.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Equity Settlement Services, Inc. (NJ)

This title company was referred to us by the lender, XXXX XXXX, with whom we have processes a refinance. Documents were signed last week on XXXX and we were told that after the lender releases the funds to the title company, they will be responsible for paying off our prior loans. The funding date was Monday, XX/XX/XXXX. When the loan was not funded, I called Equity Settlement Services on the afternoon of the XXXX and they said, " Yes we have the wire from your lender but we do not have the authorization to release the funds. You need to speak with your lender. '' On XXXX, we spoke with the lender ( XXXX XXXX ) and our loan officer confirmed that the title company has both the wire and the authorization to release the funds. He complained to us about the service levels at Equity and said this is the second time he has faced this issue. Our feedback was " don't refer them as a preferred title company if they are not delivering on the service levels you expect ''. The loan officer said he would call the title company and would likely have to speak to them five times to get this issue resolved. On the XXXX morning, I as the consumer and someone who paid for the services I am supposed to received from Equity Settlement Services called for an update. First issue, they do not pick up their phones. When they do pick up they put you on hold and then transfer you to a voicemail ( this happened 4 times ). On my fifth attempt I was told to speak with XXXX. I asked if XXXX was in the office, they said yes and then I got her voicemail. After my 6th attempt I finally spoke to a receptionist to whom I stated that I was very frustrated by the lack of service and that if I didn't speak to someone, I would file a complaint with the XXXX. Her response to me " don't threaten us. '' She finally transferred me to XXXX XXXX who told me that she doesn't know exactly why my funds haven't been released but it appears they don't have the release authorization required. She then stated she needed to speak with the funding manager XXXX XXXX to determine what the hold up is. Every day that my loan is not paid off, I am accruing interest. Who is going to pay for this? Me the consumer because the people I paid to take care of this are incapable of following through on their contractual agreement?
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my XXXX  , equifax and fico.
Consumer complaint received 2020-10-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (LA)

On XX/XX/XXXX I received a call from XXXX XXXX, our loan officer we were given when starting the process with Veterans United. She informed me because of the type of loan we were going to be getting she was transferring us over to XXXX XXXX. Thats where the issues began. He rushed me off the phone that day ( Friday afternoon ) when trying to ask questions. On the Monday I emailed him concerns and asked if we could speak on Tuesday to answer questions my husband and I had. He emailed me back mid morning saying he had a meeting and would call me back that afternoon. He did answer some of my questions on the email. The call never came. Here we are a week later and still no call, no email, no form of communication!! It was my understanding after 3 days of you didnt sign the forms the loan would be null and void. I did not want to sign something without the loan officer answering my concerns! We have since found another lender whom has been wonderful to deal with. Veterans Uniteds professionalism and lack of concern is distasteful!
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.