davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ACS Education Services (PA)

I obtained a student loan for my XXXX studies back from XXXX. Following graduation, I began repayment. In XXXX, I enrolled in graduate studies and obtained my XXXX XXXX in Secondary Education in XXXX. During my XXXX years of grad school, I deferred my student loans and began repayment after I graduated. I had difficulty paying the loan in the XXXX. I eventually applied for and received a forbearance. I then began repayment of my loans with a company that I can not recall the name of, and then the loan was passed along/purchased by different lenders without my knowledge until after the fact. For a time I did not even know to whom I should pay for the loan. In XXXX, ACS purchased the loan, and I have been paying them monthly, without fail, since that time ( though they were recently bought out by Conduent ). My loan interest rate was locked in at XXXX XXXX. I pay {$410.00} every month, and to date, I have paid {$36000.00} ( XXXX consecutive payments ) on a loan ( original loan amount being {$37000.00} ) that I now still owe {$44000.00} ( outstanding balance as of today ). I will admit that I have not checked my account often, as the payment comes out directly/electronically every month and has for almost XXXX years. I pulled up my account today and can not wrap my head around the outstanding balance. How can I owe this amount? I also do not see a projected loan payoff date on any of the screens that I researched while logged on to the website. Perhaps that is because at this rate, I will never pay it off. Something must be wrong here, and I fear that contacting the company without support will not get me anywhere, as I have read some very negative reviews about this new company, Conduent. I have no idea who to reach out to about this. I have found many resources online, but I am not sure which ones can be trusted or which ones are just other lenders or scammers. I found this resource, and I am making a plea for assistance, advice, information ... etc. Finally, when I clicked on the Website information for Conduent that is linked from my student loan account, I received a message indicating that the website I was trying access may be impersonating the company website to get access to my personal and financial information. I have attached screen shots of all of this information for your review.
Consumer complaint received 2018-01-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac has a responsibility to pay consumers Property Taxes on a timely basis. 

After reviewing our Mortgage Interest Statement ( Form XXXX ) for XXXX I noted a large shortfall in Real Estate Taxes paid. After speaking with two senior supervisors at PennyMac I was told the taxes are paid by a third party tax service ( XXXX ) and two of the four taxing entities rejected the tax payment for XXXX. 

I 've been dealing with the same taxing entities for over 25 years and to the best of my knowledge my mortgage companies have NEVER had a tax payment rejected! 

PennyMac made absolutely NO effort to contact me and review the issues of rejected tax payments until I contacted them in XXXX of XXXX. PennyMac also told me they would not send me a corrected Form XXXX given tax disbursements were not made in XXXX. 

They stated the shortfall would be made up in XXXX. PennyMac 's failure to pay our property taxes may cause us to loose a significant tax deduction for XXXX. 

POOR customer service and FAILURE to pay taxes on a timely basis!!!
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SUNTRUST BANKS, INC. (FL)

My bank is supposed to have my back & help protect my money in dispute cases when refunds cant be worked out with the Merchant. 1 ) I did contact the merchant 2 ) I submitted my dispute to SunTrust for {$270.00} transaction 3 ) I sent the additional form for the 1st dispute. I have submitted a claim about this already but I am appealing their response as SunTrust is declining the dispute and not helping me. Its unfair and Suntrust keeps saying that I never sent them the form e-mailed with the confirmation which I did send How do I know if they received it? I assumed my dispute was being processed. I waited patiently until I noticed it suddenly disappeared from the claim center without any listed information on the SunTrust online banking page. Thats when I called support & they told me to re-send the affidavit.
Consumer complaint received 2018-01-17
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: Experian Information Solutions Inc. (NJ)

XXXX Student loans sold many of my private loans to XXXX. While looking at my credit report I see several " payments '' made to XXXX that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to XXXX and therefore should not be represented on my credit report. 

I have NEVER made a payment to XXXX, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the Better Business Bureau. To date XXXX has not given me any  information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made XXXX should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TN)

XX/XX/XXXX RE : Collection Account Account Number : Unknown- Barclays Bank Delawa ( opened on XX/XX/XXXX ) Dear Sir or Madam : I have recently obtained a copy of my credit report, and it shows that you have reported Barclay Card as " placed for collection ''. I have NEVER had an account with Barclay but I do believe my Ex-boyfriend XXXX XXXX used my information and opened a XXXX account for his childs mother and him committing fraud. Barclay told me because payments were made to the accounts I was liable for it, but there was no recognition from Barclay how it was approved, who signed for it, where payments were made, etc. I sent in paperwork several times to Barclay card showing them the police report. I have called time and time again trying to find a resolution but I never get responses from Barclay and they are always very rude to me saying they have recorded conversations where I said I wanted to pay only because I was scared about them ruining my credit score when I found it on my credit report. I was very young and scared and their tactics werent nice at all. This reporting placed by you is very disturbing and it is doing serious damage to my credit rating. For the past two years, I have been working diligently at improving my credit so that I can buy a house for my family and this keeps showing up and holding me back. As you know, you are required by law to make sure that bills are accurate and sent to the correct address. I have never received any bills or I would have contacted you immediately to notify you that I do not have an account with XXXX nor have I ever until now. 

I hereby request that you take the following steps to remedy this situation : - Send me a notarized statement attesting to your compliance with all provisions of the Fair Credit Billing Act with respect to this account. 
- Provide any and all documentary evidence of my indebtedness for all charges you claim including billing statements to me. 

Please attend to my requests promptly as time is of the essence. 

If I do not receive the above requests within the period prescribed by law, I will expect to receive written notification that you have, in fact, made the required deletions from your reports and that you have removed from my file any reference to the disputed account. If you can not provide the statements and documentary evidence required, then I insist you delete all negative references from your reports to XXXX, XXXX, and XXXX. I also require that you communicate with me only in writing. Please do not contact me by phone at any time for any reason. 

**To verify my ID and my address, I am enclosing copies of my ID as well. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-17
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: DISCOVER BANK (NJ)

XXXX Student loans sold many of my private loans to Discover. While looking at my credit report I see several " payments '' made to Discover that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to Discover and therefore should not be represented on my credit report. 

I have NEVER made a payment to Discover, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the Better Business Bureau. To date Discover has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made Discover should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.
Consumer complaint received 2018-01-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (NJ)

I was pre approved for a VA mortgage loan through Intercontinental XXXX XXXX. I started the process submitting all of my documents and aroundXX/XX/XXXX they told me that I did not qualify. On the XXXX I reached out to the group through phone call, email and text they have not responded. Before I made the request they suggested my wife try an FHA loan in her name. She reached out to them today about the FHA loan and they quickly responded stating they would call her at XXXX to discuss next steps. She then emailed them requesting a denial letter for me and they have not responded to her request either and is still awaiting their call. It is now XXXX.
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (TX)

XX/XX/XXXX I responded to a petition from Zwicker & Associates suing for old debt. I received no other communication or notification from said company until XX/XX/XXXX, which was a copy of a petition filing for summary judgement on the debt.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The following names have been brought to my attention and have caused concerned and per the credit report are listed as followed : XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX identification number XXXX, and XXXX XXXX identification number XXXX. Please any other name other than " XXXX XXXX '' deems to be invalid and have not been identified by any other name. 

The report also includes social security number ending in XXXX, last four of this social and current social do not match and do not know where it arises from, or whether this social is being currently used under my name for someone else 's benefit. Please remove completely. 

The following phone number has been identifies as invalid and have no connection to me whatsoever, please remove : XXXX. 

I am honestly looking to repair my credit as drastically and as fast as possible. I acknowledge that some accounts that have been marked as written off but they have been paid in full. Hence, BANK OF AMERICA ACCT:XXXX has been paid in full and would like all negative remarks removed. XXXX XXXX was paid in full and would like that remark removed. XXXX ACCT:XXXX has been paid in full and would like all negative remarks removed.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : + XXXX I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXXXX/XX/year> Delete these items immediately
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (VA)

{$180.00} will br collected by Cavalry SPV I , LLC, the charge is a fraud charge put on my XXXX XXXX XXXX card. The balance is sold to Calvary SPV I, LLC by XXXX XXXX.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I checked my Experian credit report and noticed that it hadn't updated. I called to find out why they told me because I did not have an address on file. Representative stated that they will update my address it will update in 24-48 hours. I refreshed my screen, and I see that that new updated address is wrong. I let the representative know. He said it will be updated. I checked my credit report on XX/XX/year>, I see that the wrong address is still on the credit report. So, i disputed it letting them know that's not my address. I check the disputed results today. It says the address is removed but it's not the address that I disputed it's a XXXX XXXX California address and I live in XXXX Georgia. I called Experian again and they stated they will correct the issue in 24-72 hours. Why wasn't the issue corrected the first time I called.
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I got into an accident a few months ago and as far as I knew the insurance company and gap insurance were supposed to take care of the loan. On XX/XX/XXXX the insurance company sent the dealership a check of over 10,000 dollars to pay on the vehicle. We have continued to receive calls regarding this account, and today I spoke to someone who identified herself as XXXX XXXX who was very rude, stating they never received the payment and GAP insurance wont kick in until we do. She also said that the check of over 10,000 would not cover any past due amounts I.e. what we havent paid since our car was totaled. I asked why and she got frustrated with me, not understanding my actual question which was simply why wouldnt the insurance check cover the past due amount and kept telling me GAP doesnt cover past due amounts, which was not what I was asking. I tried to explain my question to her and she told me I wouldnt get anywhere with this conversation if I kept talking over her. 

I asked for her supervisor, whos name was XXXX, who then got on the phone and explained she saw nothing wrong with the conversation on her end, as she sits next to XXXX XXXX and didnt hear her get loud. I asked the same questions, which werent answered by the supervisor either. Who also became rude with me. I asked to be removed from the call list, saying that I would prefer to deal with this on my own than be treated poorly by debt collectors who wont answer my questions, or even try to understand them. She then said that we wouldnt be able to be called by the GAP insurance either and we would have to contact them. 

All in all I still have no answers, not to why they havent received a check that was sent to them a month ago, or why Im being held responsible for payments that were after the date of the car being totaled, or why the check from the insurance cant cover those payments.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (TX)

IN XXXX OF XXXX I OPENED A SECURED CARD ACCOUNT THROUGH XXXX IN XXXX TEXAS SECURED CERTIFICATE OF DEPOSIT IN THE AMOUNT OF XXXX CARD WAS PROVIDED WITH A LIMIT OF XXXX i MADE SEVERAL PAYMENTS AND CLOSED ACCOUNT BECAUSE OF UNAUTHORIZED CHARGES AND THE PAYMENTS NEVER REFLECTED THE PRINCIPAL BALANCE, CUSTOMER SERVICE WAS HORRIBLE AS WELL. iN XXXX XXXX I DISPUTED CHARGES AND ALSO AT THAT TIME ASKED THAT MY ACCOUNT BE CLOSED. I RECEIVED A COLLECTION CALL XXXX XXXX AT THAT TIME I ADVISED TO COLLECT CERTIFICATE AND DO NOT CALL ME ANYMORE. i FELL SICK IN XXXX AND LOST EMPLOYMENT AND GOT TIRED AND FRUSTRATED WITH HARASSING CALLS.i NEVER HEARD FROM THEM AGAIN, I CHECKED MY CREDIT AND SEEN THEY WERE REPORTING A DEBT IN THE AMOUNT OF OVER XXXX. I WENT TO XXXX AND CLOSED MY ACCOUNT ON MY CD. XXXX XXXX, THEY COLLECTED XXXX WHICH I FELT WAS INCORRECT.I WAS ADVISED TO CONTACT CARD MEMBER SERVICES ON XXXX/XXXX/XXXX, PER BANK REPRESENTATIVE. AFTER BEING TRANSFERRED 8 TIMES I SPOKE WITH XXXX XXXX BANKRUPTCY DEPT STATES MY ACCOUNT IN BANKRUPT STATUS, WHY IM NOT SURE NEVER FILED BANKRUPTCY, SPOKE WITH XXXX ALSO WHO STATED SHE WAS TAKING CARD OUT OF PENDING BANKRUPTCY STATUS, ADVISED THEM I WAS CONSIDERING HIRING AN ATTY. THEY STATED IF I HIRED AN ATTY THEY COULD NOT SPEAK WITH ME. THAT WAS QUESTIONABLE. I WAS CONTACTED BY XXXX ON XXXX WHO TRANSFERRED ME TO XXXX XXXX  XXXX WHO WAS SUPPOSE TO OFFER ME SETTLEMENT OPTIONS. HE OFFERED 50 % OFF OF XXXX DEBT I FEEL I DO NOT OWE AND THEN TRANSFERRED ME TO A SUPERVISOR WHO OFFERED ME A 30 % OF A DEBT I DO NOT OWE. i ASKED FOR A PHYSICAL ADDRESS AND A PHONE NUMBER THAT THEY REFUSED TO PROVIDE ME TO SEND CERTIFIED LETTER. ALSO THAT ADVISED ME THEY DO NOT COLLECT ON DEBT UNTIL AFTER ITS CHARGED OFF. CHARGED OFF XXXX AND HAS AFFECTED AND REPORTED TO MY CREDIT NEGATIVELY THE INCORRECT AMOUNT OF DEBT BEING THAT IT WAS SECURED.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

I sent Ability Recovery services a debt validation letters regarding 3 accounts they are reporting on my credit, They could not verify the debts. They only sent a copy of a bill, So I sent a second letter, Which states a copy of a bil is not sufficient to validate & report a debt, I did this for all 3 accounts the copy of the bills has no Signature or anything to prove & validate this debt, but they continue to report the 3 items on my credit reports, 1st letter i sent out was on XXXX-17
Consumer complaint received 2018-01-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

I received a debt collection letter back in XXXX when I was residing in XXXX florida from a company by the name of Procollect for the amount of {$8100.00} resulting from XXXX XXXX. As a result, I never heard of this company or the apartment complex XXXX XXXX. The letter stated that I lived there back in XXXX which I never lived there. As a result, I contacted the company I 've gotten no response as well as disputed the fraudulent information off of my credit report they have denied my dispute and causing a huge issue on my credit history as well as credit score. When I contacted the Renter XXXX XXXX I was told they have never heard of me and they have no record of me in their system whatsoever.I do n't even know if the company Procollect is a legit company because they wo n't give out their license number as well as remove this off of my credit report. They used to send harrassing debt letters in the past which I disregarded with this outrageous balance.This company is a fraud 180 customers have complained about this company falsely accusing people of a debt that is not theirs. Also, customers have complained about this company not resolving their issue.