davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

Edfinancial is stating I still owe from my student loans which have been paid off completely in XXXX. Currently, they are stating I owe exactly {$16000.00} and accruing 4.3 % interest daily. I have receipts of making payments to Edfinancial and XXXX XXXX XXXX XXXX. The receipts will state my account number, payment amount, effective payment, and payment confirmation number. My XXXX loan was transferred over to Edfinancial with a little of {$6000.00} still owed. My receipts are from XXXX and XXXX which I would be happy to provide. I have reached out to Edfinancial and sent over all my receipts. After uploading my receipts it provided me an automated message that in 10 business days I should receive a response. As of this morning being passed the 10 days they can not provide me a estimate date when I can receive any type of update on my loan due to " another department '' being involved such as it being transferred over to their finance department. I uploaded my receipts per the representatives request on XX/XX/XXXX. As you can see it has been almost a month since I uploaded my receipts since today is XXXXXXXX XXXX. I've emailed XXXX and they have no record of my payments nor being a account holder. After providing my account ID to XXXX they are still saying I was not a client. Moving forward to Edfinancial at the beginning of logging into my account it also stated that I was not a member and had to make a new account. The representative I spoke with the last week of XX/XX/XXXX said the system had a update in their system that was about XXXX weeks ago and nothing transferred over. I questioned her and said how were you able to see that I had another loan company which she froze with answering my question. Furthermore, I'd be happy to provide any additional details or proof of payments if needed. Thank you for your time!
Consumer complaint received 2022-04-01
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. (SC)

My name is XXXX XXXX and I am submitting this complaint against Transunion Consumer Solutions. There is no third party involved in this complaint. I am demanding that Transunion Consumer Solutions provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Transunion Consumer Solutions provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Transunion Consumer Solutions has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Transunion Consumer Solutions have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.
Consumer complaint received 2022-05-05
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. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # 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 2022-04-01
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. (LA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Fort the past 10 years or more, with New Rez and before them Green Tree we have been under shortages. when I complained they said the payments would go up again in XXXX from XXXX to XXXX, Then it was said to lower this pay them XXXX. Then I get a letter the following week saying they never got our payment and I have never been late. when I called up there it said it was there I mailed it before the first..They added late charges as well of {$20.00} my problem is Escrow and shortages that come every spring like clockwork plus charge me the amount of XXXX when the money is there, I called them even though they said we could pay $ XXXX. XXXX I don't trust something is wrong. we will see what happens when we pay overnight. XXXX XXXX XXXX. Need someone to check their balance and why shortages every spring
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OH)

I have paid my mortgage and not been late, until Amerihome Changed my servicer from XXXX to Amerihome Then I could not make my payment because I could not use my old account number.

After that my mortgage representatives would not complete any promises to call me back or complete any documents they would not verify them as received I completed all paper work for my Modification but they closed it and resent more Papers another Modification package. They also took money from my escrow account and double paid my Home Owner Policy to 2 different Insurance Companies.

I need Help as soon as possible.
Consumer complaint received 2022-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TX)

I was unemployed during Covid however I spoke with BSI financial that we agreed on making payments they told me they will send me packet to sign which I did not receive then though I started going back to my job since XX/XX/XXXX my hours were but I was making lot less then during Covid time my husband also got XXXX, but he recovered, o was the only person working I didnt ah w enough money to pay bills and fees my family I was going through XXXX I went to see a doctor an s they have me XXXX XXXX my helath condition was bad then back howm my mom got Covid and she was hospitalized I rushed to go back home as my family sent me plane ticket during that time XXXX XXXX XXXX XXXX called and I explained her my situation she assured me once I get back she will call me and I can start making payments I came back and on I tried calling her an sNSI they kept me on hold and since then they did not call me back I was never got hold of XXXX I kept emailing and calling her and bsi customer service that I want to start making payments instead of responding to me they sent me letter for fire closure they didnt try to resolve my loan issue I dont want my house to go on foreclosure Im ready to pay I have no idea where to go I never got this kind of issue I have been home owner since XXXX and I was nit even late on single payment this is the new house o got as I sold my old house due to divorce and I could not afford big house Ive been struggling with divorce and nit Covid please help me and have my Morgatge company resolve my issue, o could nit get hold of my Mortgage instead they just keep sending letter but never get to talk to real person Im on FHA loan I should get help from them too please help me Im desperate I cant lose this house. This is the last hope I have. Im trying to work and survive barely getting back on fy feet and this situation is again stressing me out. One of the worst morgage I had to deal with so please have them call me and resolve this issue. Thank you all not understanding.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested the the XXXX bankruptcy docuements and paperwork to validate bankruptcy the dates and information containted within credit report are innacuurate XXXXXXXX XXXX violation of consumer reporting I want item removed from my credit profile
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

XXXX, XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account AWA COLLECT. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the collection posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
AWA COLLECT XXXX Date Opened XX/XX/2019 Balance : {$100.00}
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Klarna AB (FL)

On XX/XX/XXXX I ordered a XXXX  ( gym equipment ) from an online store known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX however, I paid {$340.00} via a Swedish financial company known as Klarna for this item. I never received an email confirming my purchase from XXXX so on XX/XX/XXXX I filed a dispute via Klarnas app. They recommended I email the store support line. The only time Ive been able to get a response from XXXX was on XX/XX/XXXX in which they said, we are experiencing unusually large volume so orders may be delayed 2-3 days. I continued to email their support line on XX/XX/XXXX and XX/XX/XXXX with no response. I have since emailed their support line countless times without any response. Klarna told me to wait for their investigation team to reach out to the vendor, but on XX/XX/XXXX I ended the dispute. I did this because I had messaged with multiple Klarna representatives from XXXX XXXX XXXX who all gave me the impression that there was nothing they could do to compel the vendor to send me my item. Ultimately, I dont even want the item I ordered anymore, I just want my money back. Well this morning after emailing with a Klarna representative regarding my issue, a rep named XXXX said, ( direct quote ) As we act as a financier in transactions, Klarna is not in any way responsible for the goods or services you order or purchase from merchants, including, without limitation, the quality of such goods and services and how and whether such goods or services are delivered. Please also see our Terms & Conditions that were agreed to upon using Klarna. 
You are welcome to re-dispute the order, but Klarna is not liable for the order delivery. 

So basically Klarna took my money the vendor they represent has dropped off the face of the earth and now Klarna is saying that they have no responsibility in the matter whatsoever because I signed their terms and conditions. This is extremely predatory and I feel as if I have been scammed by a large financial institution. XXXX XXXX XXXX is also an abomination, but I dont even know if Klarna forwarded my money to them at all. Ultimately I just want my money back. But I also believe other consumers have the right to know that Klarna conducts business in such a predatory manner. 

Ive considered taking Klarna/XXXX  XXXX XXXX XXXX XXXX claims court, but I dont have the money or time for that. Please help me.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XX/XX/XXXX I received a notice from my lender, XXXX, requiring that I secure flood insurance within 45 days or flood insurance would be force placed onto my account. The date of that letter was XX/XX/XXXX. I contacted my insurance agency, XXXX XXXX, immediately. After receiving some quotes I purchased a flood insurance policy with an effective date of XX/XX/XXXX. 

Fast forward to XX/XX/XXXX : I noticed my statement had a mortgage payment of {$2000.00}, instead of the usual {$1200.00}. I contacted XXXX on XX/XX/XXXX and they informed me that I've been force placed on flood insurance and the difference reflects the deficit in my escrow account. They gave me an email address ( XXXX ) and told me to email the declarations page of my insurance policy. After getting off the phone with XXXX, I immediately emailed the declarations page to them, as well as an email to XXXX XXXX agency alerting them of what's happened. I was told by XXXX that I'd need to wait about a week before calling again so they could request an escrow analysis & my payment could go back to normal. I called XXXX on XX/XX/XXXX at XXXX and spoke to someone who told me that he could see the documents and he would submit for an escrow analysis to be done prior to the XX/XX/XXXX payment date. I'm a new mother and an {$800.00} difference in my mortgage payment is significant. I called XXXX again today, XX/XX/XXXX, at XXXX and spoke with XXXX who told me that yes she could see the request for an escrow analysis put in on XX/XX/XXXX, but that it was denied on XX/XX/XXXX because " it's scheduled to be done in XXXX. '' I asked to speak with a supervisor, so XXXX connected me with XXXX, who also told me that there's nothing I can do because an escrow is not scheduled to take place until XX/XX/XXXX. XXXX told me that I just need to pay the {$2000.00} for both XXXX and XXXX because they won't do the analysis. It is my belief that XXXX has the ability to run an escrow analysis to correct my mortgage payment and have it accurately reflect the refund of the force placed flood insurance policy but they refuse to because it is easier for them to collect an additional {$800.00} per month, for XXXX months.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good day, this is very alarming as there are items on my credit report that have resulted from fraud to which I never benefitted from. This is making me really anxious and stressing me out, it's a really time-sensitive problem for who knows what else they are doing with my information and this is already devastating to me.

I have reported them to the Federal Trade Commission but they are not removed from my report which is really frustrating.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

53 Bank went to auto debit my monthly payment on XX/XX/XXXX as usual. However they added lender forced insurance. The payment was denied because it was more than the normal principal and interest payment amount. I have had this mortgage for almost 7 years and have never been late once. Since XX/XX/XXXX, I have made numerous attempts to rectify this issue and make my normal principal and interest payment. I have had my insurance carrier reach out to 53 Bank and assure them that there has never been a gap in coverage. Numerous call have been made to 53 Bank, yet each department tells me I need to go to a different dept, such as collections. However Collections tells me that I am required to make a payment that includes this extra {$800.00} dollars. Which I am not comfortable doing, as 53 Bank has made an error and should have never places Lender Forced Insurance to begin with. 

I feel I am being taken advantage of and don't feel I should be in default on a mortgage, as I have made more than a reasonable numbers of attempts to pay my normal monthly mortgage principal and interest payment. 53 Bank 's internal loan servicing is the worst I have ever experienced as a borrower.

Bottom line, I want to make my payment. I should not be required to pay lender placed insurance, as there has never been a gap in coverage. 53 Bank is not working with me. And now I have late payments and could receive a ding on my credit report for the reporting bad info to the credit bureaus.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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