davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ORG GC GP BUYER, LLC (IA)

the company at the time said that I need to sing a agreement saying that after one year I have to agree to let them take monthly payments out of my check. I don t make enough money to do this my credit report said that this lone as been closed by the department of education and got sold 3 times but later I fond out that I have a XXXX XXXX and XXXX XXXX and XXXX by XXXX XXXX  the XXXX was deferred. thx XXXX XXXX call or email me any time
Consumer complaint received 2017-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingUSA (FL)

Incorrect and misleading information provided to your organization- I was refused and they stated XXXX was the provider of the credit information who could not establish my identity! You have multiple filed reports one for XXXX and the others on the other three credit bureaus. Their reply- " LendingUSA has reviewed XXXX XXXX XXXX compliant and has concluded its investigation. Please see below for findings. 1 ) LendingUSA 's decisioning software was unable to pull XXXX XXXX 's credit based on there being a security freeze that XXXX XXXX placed ( see attachment XXXX- CR Redacted ). XXXX XXXX would need to remove the freeze in order for LendingUSA to have permission to access his credit report and make a credit decision. 2 ) LendingUSA has not retained nor is associated with XXXX XXXX. 3 ) Currently, LendingUSA only utilizes the services of XXXX  when pulling credit reports for credit decision purposes. '' I subsequently received a loan even with the security freeze on. By opinion they claim they provide " bad credit loans '' In my opinion a easy way to get rid of me. I call it misrepresentation!
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (TX)

1. I have been trying to apply for a credit card XXXX XXXX XXXX, At the moment I applied for the first time they told me that the credit report companies are sending a credit report with my name and a SSN however this SSN that appears in the report is the number of my old passport. At the moment that I try to contact the credit report companies they are not able to pull up my credit report because I dont have a SSN. I have lived in three different adresses and need to know what adress to give for them to be able to check my score which is of XXXX. Can you please help me to solve this. The dates I applied for the card was XX/XX/XXXX in  which I applied ONLINE and I messed up and wrote my passport number in the SSN box. In XX/XX/XXXX I was told to reapply and since my adress was  attached to the old application, it appears as If I applied with the same social security but this time XX/XX/XXXX, I applied thru the phone and clearly states that I do not have a social security number. Please help me.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I obtain a auto loan from Credit Acceptance in the year XXXX around XXXX. I was never late on any payments, all my payments were on time. XXXX XXXX my car was impounded by XXXX Police. I contacted Credit Acceptance and informed them of the situation, they informed me to contact their repossession department. When I spoke with them they informed me they will retrieved the vehicle and incorporate the amount into my payments. My payments before the impoundment was {$300.00} after the adjustment my new payments {$450.00} due on the XXXX of each month starting XXXX XXXX. On XXXX XXXX I made the full payment of {$450.00} but the rep. informed me that the rearrangement has been broken and now I owe the total {$990.00} or the vehicle will be disable to drive. I informed him that I was one day late due to my pay day on the XXXX of the month not the XXXX. He stated " Well you a day late and a XXXX short '' how are we going to handle this. I requested to speak with a supervisor, I spoke with supervisor and I made the {$450.00} payment and he told me now the arrangement will be every two weeks of {$300.00} until the pass due is current which will be in XXXX. Every since this incident of the payment in XXXX, I have been harassed, spoken to unprofessional to. Once again I have not missed a payment, when I requested my payment history, the repairs one rep. informed me that I must pay due to the repossession, which was incorrect information.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have been an American Express customer for nearly 7 years now and have gotten caught up in a loophole where I 'm not receiving any resolution to my concern. I have had my American Express charge card and have faithfully made my payments every month ( there was 1 month where my account was late but I quickly brought it current ). Somewhere along the line, American Express applied a pre-set spending limit on my account of {$1500.00}. Yes, this is a charge card, so immediately I asked why they would apply a pre-set spending limit? Well I received a completely XXXX political answer but I let it fly. 
Flash forward to today when I called and spoke to 9 different representatives and various departments. I finally got to XXXX, Employee # XXXX, who informed me that he can only see up to 12 months or pre-set spending limit history ( this situation is much older than that ). XXXX put me on hold to speak to several departments and came back to advise that ; 1. He can not determine the original reason why the pre-set spending limit was placed. 
2. He does not know how long the pre-set has been on my account ( only that it 's been over 12 months ). 
3. There is no way for him to remove it. 
4. That I have to wait for periodic account reviews to get the limit removed. 
Although he was polite as he could be about it, I find these answers to be extremely appalling. How can American Express apply such a predatory lending practice to a loyal customer like this and not even know why they 're doing it? I am asking that American Express immediately remove this restriction off my account or clearly outline why it is there to begin with. I will raise this matter to each and every regulatory body I have to until answers are provided or American Express reverses the decision. And at the very least, arm your employees with answers so that we do n't have to resort to these matters.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Windham Professionals, Inc. (VA)

I received a notice on dated X/XX/17 stating that my wages were going to be garnished due to a defaulted student loan totaling XXXX. This was an order from Windham Professionals , Inc . I called them on X/X/17 and spoke to a very rude gentleman in an attempt to make an agreement for monthly payments. I had no idea who held my loan previous to this encounter as I had searched and called only to be given false information. As I explained this to the gentleman, his response was " TOO BAD and TOO LATE '' and he hung up on me.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MT)

I Am Receiving Repeated Robo Calls For A Debt I Do Not Owe : '' Credence Resource Management Is Based Out Of Texas But It 's Their Idaho Branch That Is Harassing Me From Several Different Phone Numbers With A XXXX Area Code.Recently I Paid Off My XXXX XXXX XXXX Bill Completely Before Switching Carriers And Like Thousands Of Other People Having The Same Issue With This Particular Company C.R.M Is Just Making Up A Fake Debt And Calling Every Single Day, Letting It Ring Through And Never Leaving A Message And If I Answer There Is Never Anyone On The Other End Of The Phone.A Couple Of Times I Spke With A Live person And Asked Them To Stop Calling My Phone And The Calls Still Keep Coming.Either Way They Are Some How Using The Fact That I Was A Previous XXXX XXXX XXXX Customer As A Way To Justify A Fake Debt And Harass Me Every Single Day At All Hours.I Want The Calls To Stop Now Please.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (TX)

I have a debt on my credit report from National credit systems for {$100.00}. I called onXX/XX/XXXX @ XXXX to negotiate a settlement on the account. The initial lady I spoke with said she would transfer to a rep. The lady by the name of XXXX was very rude. She violated my right under the FDCPA because she did n't read the XXXX to let me know she was attempting to collect a debt. I asked to speak to a supervisor and she told me that she was the supervisor and she was not going to transfer me to anyone else. I was trying to ask additional questions about my account and she hung up in my face while I was still speaking. I was not able to get my account resolved and my rights was violated! I called and left a message on her manager ( XXXX XXXX ) voice mail and I have n't heard anything back from him.
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

One echeck transaction that did not show on my 5/3rd bank checking account XXXX XXXX by XXXX EST suddenly appeared at XXXX the same morning as two echeck transactions that were posted on Friday XXXX XXXX. The two transactions were paid inmediately by funds that were deposited by my employer direct deposit and during non business hours. 5/3rd bank charged my checking account with two NSF fees of {$37.00} dollars each days after, they claim they could not refund the fees.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

A credit card I had with USAA Savings Bank was charged off in XX/XX/XXXX while I was serving as an XXXX XXXX in XXXX. USAA issued a " Cancellation of Debt '' XXXX to the IRS and myself on XXXX where I have already paid income taxes on the amount charged off. USAA however is still reporting to all the credit reporting agencies the same debt with an outstanding and Past Due balance for the same amount charged off in XXXX. I am in the final stages of getting a VA mortgage approval but USAA is unwilling to show the account with a XXXX Balance and noted they still intend to report the account as unpaid which is preventing me from a VA Loan approval. Several calls have been made to get this resolved but USAA is not willing to correct the information reporting to the credit Bureaus.
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX in XXXX XXXX, TX. failed to render aid in a housing crisis of backup sewage and water leaking all over the floors. I gave notice of needing help, and they told me to leave my rental keys in the mailbox and leave. They sent me a bill when I asked for my deposit in return after getting my children to a safe new location, they stated I owed over XXXX in fees for cleaning and damages, when in fact I do not, and the only damage was their water and sewer leaks. Today XX/XX/XXXX I  received a letter from a collection agency XXXX XXXX XXXX XXXXstating I owe this money when in fact we argued with XXXX XXXX XXXX in XXXX XXXX TX. per email and no response was ever given after contact XX/XX/XXXX, I do not owe this money and my deposit was never returned to me, the landlord has failed to reply and underhand turned over no legitimate debt illegally to a collection agency.
Consumer complaint received 2017-07-20
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. (TX)

Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " XXXX '' not " XXXX ''! I only gave permission for 'one ' credit inquiry. Please delete XXXX from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, MI XXXX b ) XXXX XXXX XXXX XXXX, TX XXXX c ) XXXX XXXX XXXX XXXX, TX XXXX d ) XXXX XXXX XXXX, OH XXXX e ) XXXX XXXX  XXXX XXXX, TX XXXX
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Account Control Technology, Inc. (MO)

I supposedly went to XXXX XXXX XX/XX/XXXX/2006 and now I have XXXX who apparently is the new XXXX XXXX saying I owe over $ 3k. 1, this is over 11 years ago and 2 I did n't actual attend. I signed up but never attended. I have bot heard anything from this school. Now account control with XXXX XXXX and XXXX are threatening to garnish my wages. They are extremely rude and wo n't listen. I have requested information that they keep passing off to other companies. I am being harassed. I have called the attorney general and am complaining there as well. I have written them back.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (GA)

I have been shopping for a refi on mortgage and found out that I had a collection on my credit report of XXXX. It indicates GC Services ( XXXX XXXX ) as the collection agency. I called XXXX on XXXX XXXX XXXX, paid the balances owed. I informed XXXX that it states GC Services on my credit report and I need that to be deleted. I informed XXXX that I have never been contacted by GC Services by phone nor mail. I did not know who this company was. XXXX stated that it would take 48 hours to delete the account from my credit report. I waited and nothing happened. I since sent a validation letter to GC Services asking for validation. I also made them aware that no one from their company had ever discussed or contacted me about their collection and I would like this to be removed from my credit report. It has created negative reporting and has / is affecting my score tremendously. On XXXX XXXX, I called GC Services and was told this was an attempt to collect a debt and it will not be removed from my credit report because they do not delete anything from your credit report. I believe that that my rights have been violated, as I never had any type of agreement with GC Services not written, verbal etc..GC Services should not be allowed to report any information on me. We have never had any type of contract between us. Also XXXX falsified information to me as they informed me that the credit report would be corrected with 48 hours of payment.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

There is incorrect and inaccurate information on my credit report with Experian, XXXX and XXXX such as a extended 90 days and active Fraud Alerts.
Also there is XXXX XXXX unauthorize hard inquiries on my Experian, XXXX and XXXX .I am providing the Federal Government a list of all the Unauthorize Hard inquiries on my Experian, XXXX and XXXX credit reports.
The list are as follow.
1.Experian Hard Inquiries 1.XXXX.Dated XX/XX/XXXXXXXX XXXX XXXX.XXXX, Texas.XXXX.XXXX  2.XXXX XXXX XXXX.Dated XX/XX/XXXX 3.XXXX XXXX XXXX.Dated XX/XX/XXXXXXXX XXXX XXXX, XXXX, Utah.XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2.XXXX Hard Inquiries 1.XXXX XXXX.Dated XX/XX/XXXX 2.XXXX XXXX.Dated XX/XX/XXXX 3.XXXX XXXX XXXX .Dated, XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5XXXX XXXX.XX/XX/XXXX 6.XXXX XXXX  .XX/XX/XXXX7.XXXX XXXX.Dated XX/XX/XXXX 8.XXXX XXXXXX/XX/XXXX 9XXXX XXXX XXXX.Dated XX/XX/XXXX 10. XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3.XXXX Hard Inquiries 1.XXXX XXXX. Miscellaneous Reporting Agencies .Dated XX/XX/XXXX 2.XXXX .Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX Telephone Company.I do n't have no services with this company.
4XXXX XXXX XXXX Dated XX/XX/XXXX 5.XXXX XXXX XXXX.Dated XX/XX/XXXX 6.XXXX XXXX .Dated XX/XX/XXXX 7.XXXX XXXX XXXX.Dated XX/XX/XXXX 8XXXX XXXX XXXX.Dated XX/XX/XXXX 9XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX 10.XXXX.Miscellaneous Reporting Agencies.DatedXX/XX/XXXX 11.XXXX XXXX XXXX.Dated XX/XX/XXXX 12XXXX XXXX XXXX Dated XX/XX/XXXX 13.XXXX XXXX XXXX XXXX. Dated XX/XX/XXXX 14XXXX XXXX # XXXX Dated XX/XX/XXXX 15.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX16.XXXX XXXX # XXXX.XX/XX/XXXX My credit scores are suffering because of the negatives, collections wordings and collections and inquiries on my credit report with Experian, XXXX, XXXX.
I am XXXX, XXXX and a Military Veteran.I like to apply for a VA Home Loan, but my scores are not high enough to get a better interest rates.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is incorrect and inaccurate information on my credit report with XXXX, XXXX and Transunion such as a extended 90 days and active Fraud Alerts.
Also there is twenty nine unauthorize hard inquiries on my XXXX, Transunion and XXXX .I am providing the Federal Government a list of all the Unauthorize Hard inquiries on my XXXX, XXXX and Transunion credit reports.
The list are as follow.
1.XXXX Hard Inquiries 1.XXXX.Dated XX/XX/XXXX.XXXX XXXX XXXX.XXXX, Texas.XXXX.XXXX  2.XXXX XXXX XXXXDated XX/XX/XXXX 3.XXXX XXXX XXXX.DatedXX/XX/XXXX.XXXX XXXX XXXX, XXXX, Utah.XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2.Transunion Hard Inquiries 1XXXX XXXXXXXXDated XX/XX/XXXX 2.XXXX XXXX.DatedXX/XX/XXXX 3.XXXX XXXX XXXX  .Dated, XX/XX/XXXX 4XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX.XX/XX/XXXX 6.XXXX XXXX  XX/XX/XXXX 7.XXXX XXXX.Dated XX/XX/XXXX 8XXXX XXXX.XX/XX/XXXX 9XXXX XXXX XXXX.DatedXX/XX/XXXX 10. XXXX  XX/XX/XXXX-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3.XXXX Hard Inquiries 1.XXXX XXXX. Miscellaneous Reporting Agencies .Dated XX/XX/XXXX 2.XXXX .Miscellaneous Reporting Agencies.Dated XX/XX/XXXX3XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX Telephone Company.I do n't have no services with this company.
4.XXXX XXXX XXXX Dated XX/XX/XXXX 5.XXXX XXXX XXXX.Dated XX/XX/XXXX 6.XXXX XXXX .Dated XX/XX/XXXX 7.XXXX XXXX XXXX.Dated XX/XX/XXXX 8.XXXX XXXX XXXX.Dated XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX 10.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 11.XXXX XXXX XXXX.DatedXX/XX/XXXX 12.XXXX XXXX XXXX Dated XX/XX/XXXX 13.XXXX XXXX XXXX XXXX. Dated XX/XX/XXXX 14.XXXX XXXX # XXXX Dated XX/XX/XXXX15.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 16.XXXX XXXX # XXXX.XX/XX/XXXX My credit scores are suffering because of the negatives, collections wordings and collections and inquiries on my credit report with XXXX, Transunion, XXXX.
I am XXXX, XXXX and a Military Veteran.I like to apply for a VA Home Loan, but my scores are not high enough to get a better interest rates.
Consumer complaint received 2017-07-19
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: TENET HEALTHCARE CORPORATION (TX)

I was never notified that I had a bill in the first place and I thought my insurance took care of this matter, I have decent credit so it would n't have been a problem to pay the bill. So I was told when I paid it they were going to remove it from my report only to leave it on there and tell me that they only update the report to a paid status. I feel that this is wrong I am trying to buy a house and this is holding me back and the way they get you to pay the bill and tell you they are going to remove it off your report. I spoke with several different people at that agency and I was told so many different stories after I paid the bill and I received a letter stating they were going to remove it and they still did n't it was removed from two of the three reporting credit agencies but XXXX XXXX will not do it unless this agency contact them direct. This has been an on going thing for months and I have had it I pay all my bills with no problem. These people is just trying to cause problems.