davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NC)

After a recent evaluation of my credit report/score I noticed that my credit score had gone down from over XXXX ( excellent ) to around XXXX ( poor ) without having any credit or financial issues. 
Curious as to what had happened, I learned that the sole cause of this distress was the merger of XXXX XXXX and XXXX XXXX and their credit card programs. 
I was issued without request a new credit card, and desiring only XXXX card, my old credit card was erroneously terminated. 
I had used the card since XX/XX/XXXX as my main credit card, but as a result of this mix up, my history now no longer goes back to XX/XX/XXXX but only to XX/XX/XXXX. Another involuntary effect of the change of card was that my credit line went from XXXX to XXXX, triggering a high usage ratio. 
This loyal US airways/XXXX card customer has contacted the issuing organization, but all they are willing to do is increase the credit limit on the new card, after pulling and lowering my credit score even more, and not restore the longer running card and restore both my credit limit, history and consequently report/scoreIt will be clear that this reply is not acceptable and that further discussion as well possible legal actions are contemplated as:1. I did not request the new card issuance. 
2. Implied was that the old card was to be replaced going forward. 
3. Not enough care, explanation and implication was provided to an unknowledgeable consumer when approaching the issuing organization to only have XXXX card and terminate the older one. 
4.Financial and reputational damage is incurred. 
Finally, not a legal argument, but a loyal and credit worthy customer as of XX/XX/XXXX deserves a better treatment. 
Therefore I hereby request through the appropriate channels to either reinstate/merge my former US airways/XXXX credit card or increase the credit limit on the new XXXX/Barclay card accompanied with a communication to the XXXX credit rating agencies, restoring my credit report and score.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Credit card as of XXXX the balance was {$23000.00} which consisted of {$8000.00} at 19.49 % and {$15000.00} at 0 % I made an extra payment of {$8500.00} which I wanted applied to the entire high rate balance. I also made {$900.00} in regular payments as I do every month. On my XXXX statement I still have {$2200.00} at 19.49 %. My large payment was not applied to the higher rate balance and I did not make any additional purchases or advances. I just called and they refused to fix this and just said that is how they do it because of the timing of my {$8500.00} payment they consider it my regular payment and applied it as they pleased. I realize that this is not a lot of money but if they regularly do this it adds up to a lot of extra money for them and it 's not right.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

We switched banks, so we had to change the checking account that the automatic payment was made from. We requested the form from Aspire and then submitted it with the new information. Aspire cancelled our current payment ( even though we did n't request a cancellation ) prior to setting up the new payment so 1 monthly payment was missed. They then cancelled out interest rate reduction that we had for making our first payments on time back in XXXX or XXXX because of this missed payment which was their own fault that the payment was missed.
Consumer complaint received 2015-10-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (MI)

well XXXX they gave me some insurance on the car told me it was all the life of a long for {$800.00} but in 6 months it was cancelled because that 's all I went for and they told me that I can get license plates and everything with that when I got it so I stop paying for my own insurance because this insurance and they told me a lie I could n't get plates with this because it 's not in XXXX that 's {$800.00} they still have any pain the long should be paid off they still coming at me so I need help because the car is paid off they called third parties on me they did a whole lot of stuff today shoulda called me all types of hours change dates they did n't tell me nothing about this is so messed up company
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-08-07
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: Sequium Asset Solutions, LLC (TX)

My ex wife was supposed to take my name off of the XXXX  account and did not and even though my name is not on the account as per the collections company and the account was paid by my ex-wife they still will not immediately take it off of my credit report. 





Below is the payment to collections for XXXX XXXX XXXX XXXX, account XXXX. XXXX did not know he had to return the old receiver. When The account was transferred over to his name, the representative messed-up and kept your SSN on the account. 


Begin forwarded message : From : XXXX Date : XX/XX/2020 at XXXX XXXX CDT To : XXXX Subject : Payment Confirmation Dear XXXX XXXX, Thank you for making your payment in the amount of {$290.00} for reference number XXXX. 

Please allow up to 3 business days for this payment to be reflected on your account. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. 

Name, address and history of Collections Company SEQUIUM ASSET SOLUTIONS Last reported XX/XX/2020 {$0.00} Reported balance Original balance {$290.00} You owe 0 % of the original balance OVERVIEW Opened XX/XX/2020 ( 2 mos ) Account status Closed Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name SEQUIUM ASSET SOLUTIONS  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-07-11
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 — Problem with personal statement of dispute
Company: VW Credit, Inc (FL)

On or about XX/XX/2020 I submitted the following letter along with statement attachments to Volkswagen Credit : I hereby serve notice for restitution on account of irreparable damage to my Credit Score. In addition I request release from my contractual obligations to Volkswagen Credit. This is a structural attempt to discredit me and my credit history by XXXX XXXX and Volkswagen Credit. XXXX XXXX submitted four credit inquiries in an apparent attempt to increase my APR, in doing so affecting my credit inquires resulting in negative ratings to my score. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Business and Consumer Solutions. (AR)

I received a letter with the mailing address of FBCS , INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX - attached Letter XXXX XXXX XXXX XXXX is the principal agent for FBCS, INC. ; and I believe XXXX XXXX XXXX is XXXX in the same as FBCS , INC. 

In Letter A, there is an offer to settle an unverified DEBT at 75 % off with some company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX XXXX is acting as President and Chief Executive Officer of XXXX XXXX XXXX XXXX XXXX. ; and i believe XXXX XXXX is XXXX in the same as XXXX XXXX XXXX XXXX XXXX. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', XXXX XXXX XXXX XXXX attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter XXXX is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter XXXX. 

I believe Letter XXXX is an attempt to collect on an unverified DEBT sent through the XXXX XXXX, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.
Consumer complaint received 2016-02-11
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (NC)

In 2013 my wife and I moved to XXXX to help our son with his XXXX children who was recently divorced. Because of his job requirements to travel often during this particular time frame we decided to rent our home for a few years or at least until they were old enough or until his travel requirements would change. A few months after we moved we got behind so we submitted a request to our lender for a hardship mortgage modification because of my wife losing her job and soon became XXXX from XXXX a year before. Making mortgage payments soon became a struggle. We soon became desperate and eventually heard about a company via a radio ad called XXXX XXXX out of XXXX Utah. Needless to say it was the biggest mistake I have done in my life. They painted a rosy picture of course and it sounded so promising. They inform not to make any Mortgage payments and not to contact anyone but them and they would do everything. All we had to do was pay m a money instead of making regular mortgage payments. we 're at the brink of losing our home. Both of us are over XXXX and our credit is about to be ruined over this. can someone please shed some light on this situation for us.
Consumer complaint received 2020-07-11
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: JPMORGAN CHASE & CO. (CA)

I called JPMCB about fraud that was done on my account. Back in XX/XX/XXXX. They have it documented as fraud but never removed it from my account. They then wrote it off as bad debt and sent it to collections. I just got back from over seas travel in XXXX to see that the fraud was never taken care of. I contacted them on XX/XX/XXXX and subsequently contacted them XXXX and they still have not removed this account from my credit reports. It is still on file at XXXX and XXXX   reporting agencies.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Our mortgage with XXXX was purchased by Green Tree in approximately XX/XX/XXXX. We had loan modification completed with Green Tree during this time. We have made payments on time to Green Tree since then. Green Tree is now DiTech. We made a late payment for XX/XX/XXXX. DiTech is in violation of FDCP Act, Section 806, # 5 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) ; Section 805, # 2 and 3 ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. ; and has physically delivered a notice to call them on our property not through U.S. mail or any other delivery service.
Consumer complaint received 2020-07-11
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. (CA)

I'm sure you receive several complaints so I will try to make this short and concise. Since XXXX of this year I've been attempting to have incorrect information on my credit removed and corrected from my credit report. The credit bureaus are reporting a XXXX  XXXX XXXX  account which is over 7 years old and they are reporting a bankruptcy which is 10 years old. All I want is for them to remove these accounts from my credit report and fix them.
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (UT)

ERC ( Enhanced Recovery Company ) has sent me 2 notices with 2 different reference numbers claiming I owe a debt from over 3 years ago to XXXX. I sent them a letter disputing the validity of the debt XXXX XXXX, 2016 but received another notice XXXX XXXX. They did not send any verification of this debt with the new notice and are threatening to report me to national credit bureaus. This is a fraudulent claim. I do not have access to the first notice because I just moved, but I have attached the 2nd one.
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MO)

I have been paying extra with each monthly payment for 4 years. Instead of applying the extra to my principal, they apply it to my next month 's payment, so I am still accruing the higher interest. So in 4 years I have paid over {$16000.00} on my {$29000.00} student loans, but still owe {$23000.00}. 
They also changed my XXXX grants into loans and told me it was because I missed a deadline. I never knew of the deadline.
Consumer complaint received 2020-07-11
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. (NY)

In XX/XX/2020, XX/XX/2020, XX/XX/2020 and myself or a debt repair agency has tirelessly disputed incorrect information on my credit report. In XX/XX/2020 I disputed a late payment with XXXX XXXX, the creditor agreed to waive the late fees which caused the balance and the account was left with a XXXX balance. I have tried unsuccessfully to have the late payment removed from my credit report I even provided proof from the creditor that the changes were reversed. The account is still reporting negative on my credit report. I have disputed with all three credit bureaus and always come back as verified when disputed.
Consumer complaint received 2024-09-03
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: LEXISNEXIS (TX)

I am filing a complaint against LexisNexis regarding their handling of a dispute I initiated concerning a public record on my credit report. On XX/XX/year>, I mailed a dispute letter to LexisNexis, in response to their previous communication dated XX/XX/year>, which provided the results of a reseller dispute concerning a public record. In my letter, I requested that LexisNexis remove the unverifiable bankruptcy record from my credit report, as they had indicated that they did not receive a response from the dispute they filed on my behalf. According to the Fair Credit Reporting Act ( FCRA ), if a credit reporting agency is unable to verify disputed information within 30 days of receiving the dispute, the information must be removed from the credit report. 
On XX/XX/year>, I received a similar response from LexisNexis, stating that they filed my dispute with XXXX and XXXX on XX/XX/year>, but had not received a response from them. No mention was made regarding XXXX. To date, the public record still appears on my LexisNexis credit report, despite LexisNexis being unable to verify this item. 
I am now requesting the immediate and permanent removal of this unverifiable public record from my LexisNexis credit report. Additionally, I request that LexisNexis notify all relevant credit bureaus, including XXXX, XXXX, and XXXX, to remove this item from my credit reports as well.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.