davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Zingo Cash Illinois LLC (IL)

I have had several loans with this company and have had XXXX problems until recently. All of my payments have been paid on time and none were missed. I began contacting the company in early XX/XX/XXXX because I found that I would be with almost no paycheck for the next 3 to 4 months. I did not receive a response from the company until a payment bounced on XX/XX/XXXX. At that point they immediately started calling. My goal ( in early XX/XX/XXXX ) was to let them know of my situation and set up an alternate payment option. I currently pay 98 % interest on this loan and it was to be paid off in XX/XX/XXXX. I do not know what the balance is so I requested information from XXXX  and received nothing. At that point the phone calls escalated so I asked them to correspond with me via email so everything was documented. Then I started receiving emails from " XXXX '' and he stated in an email that my balance was small so pay it or not. ( Emails attached ). On the email of XX/XX/XXXX XXXX discusses my excellent payment history. So again on XX/XX/XXXX the harassment starts again. I searched reviews for this company and have attached a few.. One client supposedly was going to have XXXX show up at his church. True or not who knows but I have recently had people show up on our security system who should not be there. Maybe Zingo maybe not but I have sent the footage to the XXXX  County Sheriff. I have been told by XXXX that they will pursue every legal means to collect the money. I again am not defaulting on anything I am trying to set up a suitable payment plan but am getting zero cooperation from Zingo they just want to pursue collection action. All I am trying to do is set up payment plan and a check will be mailed to them.
Consumer complaint received 2018-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

Hi, I was contacted last year by XXXX XXXX XXXX, formally XXXX XXXX XXXX, about a student loan I was unaware that I had. They provided me a loan payment book with coupons that I was to send in every month with a check. The book also included a website where I could register to pay my loan off online. I paid the first installment via check on XXXX XXXX, XXXX. This check was cashed. 

I then tried to register on XXXX, but was unable to because my SSN was not registered with their system. Fine, I thought, they have my wrong SSN, but they were still able to cash my checks, so I'll just pay them this way. I continued to pay them monthly using the coupon book. 

However, I became increasingly frustrated in XX/XX/XXXX when I tried to contact them via phone in order to resolve the SSN issue. I wanted access to my account. I wanted to see what I owed and why, and what type of loan it was. I had NO information and NO access.

I couldn't speak with anyone though because either my SSN or my account number were required to move forward with the call. As I mentioned, my SSN didn't work, and it turns out that my account number wasn't registering with them either. This made no sense to me because my account number is printed on every single coupon I have. Further, I found it suspicious that they are able to cash my check every month with an incorrect SSN and an incorrect account number. I tried to contact them via email, but was unable to because I needed my account number for that as well.

Lastly, today I logged onto National Student Loan Data System and saw that while I could account for the 8 subsidized and unsubsidized loans and the 1 I pay through heartland, I could not find a 10th loan, which is what this loan is. I am paying off 10 loans, but can only find evidence of 9. My credit report also does not show that I owe XXXX anything. 

I don't know what this loan is and I have no way of finding any information out because this company has made it literally impossible for me to contact them. And yet, they have no problem cashing my checks.
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (AR)

I received a letter from the Federal Trade Commission regarding Ameritech Financial who I used to consolidate my student loans and start repayment. I am a XXXX student at the University XXXX XXXX  and wanted to get ahead with my payments. I was told I qualified for Public Service Loan Forgiveness and according to the letter, my monthly payments do not go toward paying my student loans. I paid {$300.00} in XX/XX/2017 to initiate the repayment and then paid {$100.00} per month. Now I have to start over again.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VEROS CREDIT, LLC. (AZ)

On XX/XX/2018, Veros Credit filed a law suit against me for the amount of {$5100.00}. 

On XX/XX/2018 I filed a response. Included in the response was a request for validation of the debt. It was requested that this include a signed contract and all payments that were made. ( This is just part of the request ) On XX/XX/2018 I filed a dispute with XXXX  and XXXX  requesting validation of this account. 

I received a letter dated XX/XX/2018 from Veros Credit. This letter included a Retail Installment Sale Contract. 

The next letter was dated XX/XX/2018 from Veros Credit. In the letter it states that it's in response to a request for verification of a debt. They stated they already provided me with it and that they will not respond to any such requests in the future. 

Although it may not matter, their original response dated XX/XX/18 was in response to my court filing. It had nothing to do with the credit reporting. It would appear they are mixing the two. One part being court. The other part being credit reporting. With that being said, it should be noted that as part of my response in the court filings, I requested the payment history, which is part of what is being reported to the credit bureaus. This would be able to show the exact amount that is actually due. 

XX/XX/2018 we had court. I still had not received payment history. Although, I had rec 'd some other documentation. At court the judge noted that I had requested specific verification which included payment history. The judge told the other party that they needed to provide me with the requested documentation. Right after court I received an email from the attorneys for Veros Credit. It was the same documentation that had already been mailed to me prior to court. It did not include the payment history. 

XX/XX/2018 we had court again. We discussed the fact that the plaintiff still had not provided the requested documents. We were told that a court date would be set for trial. Since court, a trial date has been set for XX/XX/2018. 

To date I have not received the payment history. 

It is my understanding that in order to report something on someone's credit, a creditor must be able to provide verification to back up every aspect of what's being reported. This includes payment history. Payment history is great because then you can show the amount that's owed. In this case the amount being reported is different from the amount being requested by Veros Credit in court.

Seeing as Veros Credit is refusing to provide documentation to back up payment history, I'm asking that they delete this from my credit report.
Consumer complaint received 2018-07-11
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. (FL)

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I have given more than 90 days for a response for validation and verification of any original contract with XXXX XXXX. By law Equifax nor this creditor has the right to list any bogus and erroneous account on my credit file without 100 % proper verification of having an original contract document. So I decided to file a complaint with FTC and also a lawsuit against your company at the XXXX XXXX County Civil Courthouse. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately and permanently.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (FL)

XXXX mailed mortgage payment for XXXX XXXX, 2017 ; XXXX/XXXX/2017-spoke to customer service rep at Seterus, Inc regarding payment because it had not been posted to account. CSR said give it at least 10 days. XXXX/XXXX/17-payment still not posted to account. at this point, I assumed payment was lost in transit and I put a STP payment on that check and authorized on-line payment from my Money Market account from a totally different bank. XXXX/XXXX/2017-payment posted to account, but funds not withdrawn from MMK account. I called Seterus again to enquire as to why. The CSR at Seterus told me it could take a few days before funds are actually collected. XXXX/XXXX/2017 I received a phone call from Seterus telling me my mortgage account was delinquent and how did I want to take care of it. I explained the chain of events that had already transpired with the payment. The Seterus CSR told me they were not able to collect the authorized payment because the account could not be found. I gave the CSR the MMk account info again and the payment was accepted. This puzzled me. I contacted XXXX XXXX to query the issue. I was told Seterus coded their payment request as a savings account instead of a MMK account and therefore were not able to collect my mortgage payment. Both parties acknowledge, no error on my part, but Seterus, Inc, the mortgage servicer has put the burden on me to provide proof of their mistake and has charged me a late fee and indicated that my mortgage payment was late. In 25 year, I have never missed a payment nor has it been paid outside of grace period. This is very unfair to me as a diligent consumer. XXXX/XXXX/2017 XXXX XXXX ACH supervisor again acknowledged coding error by Seterus but would not provide a written statement to that effect. My attorney suggested that I file this complaint to see if the issue can be resolved and my money for late fee is refunded and my payment record corrected.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have been writing letters to this company for more than two years. I 've made several request for this company to  investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General XXXX XXXX are still not in place even though TWO YEARS has already passed. <P/>Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.
Consumer complaint received 2017-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the year  XXXX , I was late paying my mortgage payment for 3 months. Prior to the fourth payment 's due date, I rendered all late mortgage payments plus all late fees. Shortly thereafter, I received a document from Bank of America indicating that unless I discuss the situation with the entity, payments rendered my not be applied to my account. I did n't discuss my financial situation with Bank of America therefore, the non-delinquent account was sent to a collection agency for recovery. Collection agency representatives constantly placed collection notices on my front door knob and rang my door bell or knocked on my door. Because I did not respond to their demands,  XXXX   XXXX   XXXX  was dispatched to my resident. The representative placed a notice on a window near the front door saying the resident was vacant. As I was observed entering the home through the garage, a second notice was placed onto the garage door. Once I dial the telephone number typed on the document, a recorded massage said ; if I did not contact that agency, someone will change all the locks on the structure 's doors. Bank of America has mishandled my loan 's escrow account. The financial institution did not pay my property taxes and insurance premium. Today,  XX/XX/XXXX , someone dispatched the police to my resident to apprehend a squatter. However, I am not a settler with no legal title to the land occupied, The police officers wrote an inaccurate and would not provide me with the name of the person whom reported the incident. During my conversation with both officers, I said, I was late on a few mortgage payments but, they were remitted. This incident report is suspicious. I will attempt to encourage the po lice officer to a mend his report.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX MUST RE-INSERT MY ACCOUNTS BACK INTO XXXX  CREDIT FILES..XXXX AND FURNISHERS ARE IN VIOLATION OF THE F.C.R.A. 15 U.S.C. SECTION 1681g and ALL OTHER CREDIT FURNISHERS LAWS.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (SC)

I was shopping in the XXXX XXXX, SC Home Depot Store, ready to checkout. I was asked to apply for the Home Depot Credit Card and would receive a {$25.00} credit. After a long wait the Clerk told me my application had been denied and I would receive a letter of explanation shortly. 
I received Home Depots letter dated XX/XX/2018 ( Exhibit A ). They gave the reason for denial Account in default with lender or affiliate of lender. I wasnt in default with anyone, so this vague information did not provide much information. 
On XX/XX/2018, I sent a letter to Home Depot Credit Services ( Exhibit B ). Under The Equal Credit Opportunity Act, I am entitled to know why my application was rejected ; I am entitled to be given a specific reason for their denial. 
I have reviewed my XXXX  Credit Report. I have a 100 % on-time payment history ; there was no evidence at all of any default with anyone. In addition, since there was to hit for a creditor inquiry, I suspect my credit was not even reviewed. 
I have never received a response from them ; the incorrect information and the vagness of the reason for denial seemed to close to discrimination. Given that 2 months has since passed, it gives me sufficient evidence to confirm my suspicion of discrimination.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (MI)

Applied for credit card through XXXX XXXX on behalf of XXXX XXXX and XXXX XXXX. I have fraud alert on my Social Security number due to loss/sharing of personal information. The denial came in the mail. I called numerous numbers two of which went to XXXX XXXX XXXX XXXX and the last to this number was answered by XXXX : XXXX repeatedly told me to remove the fraud alert from my social security number - I explained to her that I was not comfortable with that. She kept telling me that. I asked for a supervisor and she disconnected the call after 18 minutes. 

I am absolutely unsure of this process but I do not trust someone telling me to remove a fraud alert.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In direct retaliation against me for escalating my concerns with their abuse of me as someone who received a predatory loan from them - documented in complaints XXXX, XXXX that XXXX XXXX XXXX XXXX has refused to provide response to, XXXX continues to harass and file false legal complaints against me as well as provide falsification of records and information to the credit reporting agencies. I have it well documented through electronic record in their systems as well as my recorded phone calls with their representatives that I repeatedly advised them that I was requesting a voluntary repossession and that it should be reported accurately upon voluntary surrender of the vehicle. For months on end ACA ignored me, refused to communicate with me and falsified records when I had no choice but to file a complaint with the CFPB because of their refusal to allow me to voluntarily surrender the vehicle. They have filed reports and statements to the credit reporting agencies stating that the vehicle was involuntarily repossessed ( all of my records, recordings and data prove otherwise ), along with them seeking action to recover {$31000.00} from me. XXXX is attempting to bully and silence me as they do other customers into dropping my complaints and organization into a class action lawsuit against their company for unfair and deceptive predatory lending practices, falsification of records and financial abuse of their customers and failure to provide any response to my repeated attempts to have them retrieve the vehicle. Even now, they refuse to provide response to the CFPB. Further investigation into their practices and data records is needed to validate the abuses they have taken against me. Their representatives and management team orchestrating the actions against me are adept violating the regulations and laws meant to protect customers from the crimes XXXX is committing. A review of their data records and all internal correspondence requested by the court will validate the information contained in my complaint along with the document upload I have provided that demonstrates their falsification of records and false reporting to the credit reporting agencies.
Consumer complaint received 2018-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

Recently found out that there was unauthorized charges on my credit report that did not belong to me or belongs to someone with a similar name. I Approached XXXX  and XXXX  and told them that these did not belong to me. Through a bit of effort it was removed from these XXXX credit bureaus succesfully. Experian on the other hand has been extremely difficult to get ahold of online as well as on the telephone. Eventually after spending 20 + hours on the phone with Experian I filed disputes regarding collection from the agency " XXXX XXXX XXXX ''. No resolution has been made my experian for these fraudulent and unauthorized charges on my credit report. It has been extremely difficult to pursue this issue with experian as contact from them is minimal and they are not doing the correct research. 

Experian report # Report Number : XXXX
Consumer complaint received 2018-07-02
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: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I called XXXX to dispute inquires that I did not authorize. They informed me that they DO NOT dispute any inquires, that signatures do not have to be on file nor do they house that information, and that all information is factual. They said they could not help me and I would have to wait the two years even if I did not authorize them. They also informed me because they are more than 6 months old, the companies DO NOT have to respond to requests. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX I also  spoke to Experian, and was informed the same information ... 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX