davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (WA)

I received a statement and or reduced balance opportunity, that doesn't coincide with your statement. However I'm given the option to agree with 70 % of total amount owed. Witch is still significantly still not a fair and accurate assessment. If said company were to look in depth, to recorded interactions, they would find where, there was more than minimal discrepancies when it came to customer support and care. Given the situation this opportunity is not acceptable and, I wish to pursue this further. 
Sincerely XXXX XXXX
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (MN)

I have been working with a debt consolidation company and paid off a negotiated settlement with American Express and XXXX XXXX. The resolution has not been reported to credit bureaus. Furthermore, my loan officer told me the resolutions have not shown up on my credit report. I have repeatedly contacted the aforementioned financial institutions and I have either heard " there's nothing in our system '' or " the letter is in the mail '' or they direct me to other departments that have nothing to do with my issue. This has been going on for close to a month and nothing has happened and no letter has been received. This is effecting my ability to get a loan for a home with the lowest possible interest rate.
Consumer complaint received 2021-05-16
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. (FL)

Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX Website- it is also important to note that this is not the first time that I have received this alert from XXXX . Moreover, The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such TransUnion has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted IMMEDIATELY.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-05-16
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. (AL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MI)

On XX/XX/XXXX, I made a purchase at XXXX using my Apple Card in the amount of {$1100.00}. XXXX days later, I received an email stating my package has been delivered. I went to get the package and there was no package. I reviewed security cameras and no delivery courier ever came to my home that day. I immediately phoned the merchant to inform them that the package was not delivered. They advised me to contact XXXX and handle it on my own, stating there was nothing they could do. Upon investigation, XXXX determined the package was lost or stolen in transit. The merchant was notified of this outcome. The shipper, XXXX, has indicated they have informed the merchant of this finding many times as well. I have contacted the merchant several times by phone, chat and email and they have refused to provide the merchandise. 

I filed a dispute with Apple Card for this transaction on XX/XX/XXXX. I was issued a provisional credit in the amount of the disputed charge. XXXX  months later, the dispute was closed under the reason : " The merchant provided sufficient evidence that you made the purchase ''. Im not disputing that I made the purchase, but rather that the merchandise was not provided. 

I have reopened this dispute many times, which are again denied on the same basis. I reinitiated the dispute again 2 days ago. When I reach out to Apple Card customer care, I get a form response stating they will get a supervisor to look into it. I have submitted evidence of the merchant refusing to give me the merchandise or refund. I don't believe there are actual human beings looking into disputes at XXXX XXXX XXXX XXXX XXXX. Each communication seems like a canned response and they do not seem to understand what is going on. I placed the order on XX/XX/XXXX, XXXX months later I still have not received the merchandise. I will not pay for items that I have not received. My last correspondence with the merchant in XX/XX/XXXX indicated that they will ignore my requests to get the merchandise. I have no interest in continuing to beg for the merchandise for which I have paid. I find this unacceptable. XXXX keeps putting this charge back on my card. This is tying up a portion of my credit limit. From my perspective, XXXX XXXX is assisting the merchant by continuing to let them hold my money/property and not giving me the merchandise. All parties involved are jeopardizing my credit. I have spent hours trying to rectify the situation. This has been the worst customer service experience Ive had with any company. Ive attached some screenshots.
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I mailed a letter on XX/XX/2021 to XXXX, Transunion, and XXXX about 2 child support accounts on my Consumer Report and that violates my privacy and privacy act by reporting this. I havent received a response from neither of the 3 companies and its XX/XX/2021, thats over 45 days.
Consumer complaint received 2021-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I have been in the public service loan forgiveness program since graduating from graduate school in XXXX. I've qualified 120 payments under the conditions of the program and sent in an application for forgiveness in dated XX/XX/XXXX. I contacted the federal student loan ombundsman in XX/XX/XXXX and was again told that I had 120 payments that were qualifying but that the application was " still in process '' with no clear idea of how long to expect that process to take. As of today the application has been in process for more than 4 months and would appreciate a timeline as to when this might be under review or at least clearer information regarding this.
Consumer complaint received 2021-05-16
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: JPMORGAN CHASE & CO. (VA)

I was like looking at my credit report and it showed multiple loans had been taken out of my account that I did not do. There is two student loans taken out this year in XXXX of XXXX that I did not file and they are up to XXXX.
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MO)

I mailed a letter on XX/XX/2021 to XXXX, XXXX, and Equifax about 2 child support accounts on my Consumer Report and that violates my privacy and privacy act by reporting this. I havent received a response from neither of the 3 companies and its XX/XX/2021, thats over 45 days.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NJ)

I entered into an agreement on XX/XX/XXXX to get out of foreclosure and have made every payment on time, including the required 'good faith ' payments. The Modification paperwork was signed and returned by XX/XX/XXXX. As of XX/XX/XXXX I have not received a countersigned modification. 

The servicers website does not reflect the permanent modification. 

And, I am being charged late fees, dispute not missing any required payments since you entered the XXXX in XX/XX/XXXX.
Consumer complaint received 2021-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.
Consumer complaint received 2021-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MS)

I called Sallie Mae after they continued to call and email close to 20 times a day and leaving voicemails threatening that I better call them. I have called several times with them and discussed my financial hardships and that I can not afford to pay over XXXX dollars a month for a student loan. The last lady that I spoke with was so rude and belittling to me and I was absolutely offended. she told me that I shouldnt have went to college and got the loan if I knew I couldnt pay it back and its not their fault I dont have the money and that if I didnt pay over XXXX dollars right then that they would mess up my credit. She did not try to help she was just rude. Who would say something like that to someone
Consumer complaint received 2021-05-15
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: Lending Club Corp (AZ)

On or about XX/XX/2021, The LENDING CLUB reported me as having a LATE payment. I was on a deferred status due to covid-19 and there was a lot of confusion on the terms of this deferred status. I contact LENDING CLUB and inquired about why they reported me as late. I was told by a representative that there should not have been a late payment reported to the credit bureau as ALL MY PREVIOUS PAYMENTS have been on time and reported on time as it should be. This was supposed to have been 'escalated ' and a manager call me back or email me. No one has responded. I reached out to LENDING CLUB again today XX/XX/2021 and a representative said the problem was resolved and they will NOT be removing the error to my credit report. NO ONE REACHED OUT TO ME. I asked for a re-review of this and I am requesting this negative mark be removed IMMEDIATELY FROM MY CREDIT REPORT! This has impacted my life negatively and also any prospect of me securing a loan to move. The CARES act was not followed accordingly by LENDING CLUB and i want an investigation to be opened on my behalf. LENDING CLUB is not following regulatory and compliance guidelines. I am requesting resolution and my credit report to reflect my payments have all been timely. Please remove this negative reporting from my credit immediately. I have paid all payments ON TIME EVEN ALL THE DEFERRED PAYMENTS LENDING CLUB HAS REQUESTED I PAY UPFRONT. I now believe I have been discriminated against as a woman and a woman of XXXX  background. I am also a woman of a small minority owned business and I have been affected by the covid-19 pandemic to which this has cause great physical, emotional and economic suffering to me and my family. LENDING CLUB has violated the law and this needs to be corrected immediately.
Consumer complaint received 2021-05-17
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was informed through Letter after the fact that Bank of America would be closing my account. I had over XXXX dollars in my account and was sent a check for XXXX dollars. Bank of America continues not to check into claims and send no real proof of the situation. I am beyond livid and will never bank with them again. They owe me over XXXX dollars.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was married and my husband had opened this credit card on Bank of America in my name, transferred debts to that account and over one year managed to pay the entire debt without any missed payments or anything like it. Last month I was planning to use this card for the first time but while checking the app, there was no information about the account. Once I called the bank they told me the account was closed two days before, denying me an explanation or any information related to this account. I`m aware about my negligence related to my ex, what is being addressed in court. Now this unilateral decision of Bank Of America without any warning or even opportunity to revise the matter has caused damages on my credit and life in general. is absurd having this kind abrupt changes without justification.
Consumer complaint received 2021-05-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I went to go pay my taxes on XX/XX/XXXX and was given a notice that my account has been suspended. When I called Chime on XX/XX/XXXX to figure out what's going on and they said they can't give me any information because the underlying bank was the one doing the freezing. I pressed them for over 30 minutes and was able to learn my account had been frozen for a few days ( they did not inform me ) and that if I wanted to do something about it, I could try to email their support and hope for an answer within a few business days. I pressed them even more and was able to learn that the source of the issue was deposits from XXXX and XXXX, both accounts that I have had for years. 

I sent a few emails to chime support after the call with all my XXXX and XXXX statements in a panic but did not get a response to the email with the attachment. 

I called that bank ( stride ) on the morning of XX/XX/XXXX and they said that's completely false information and I should call chime. I pressed them but they continued to apologize and say they really can't do anything and they have no access to the account and all I can do is try to resolve the issue with chime, repeating over and over again that chime had lied about everything. 

I called Chime again but just hung up out of frustration. Meanwhile they sent me a very questionable email with the following paragraph Written explanation necessary to validate the source of funds loaded to account regarding : ch recd c2c transfers and then offloaded the funds thru XXXX and XXXX.u may have received Desperate, I still sent them over all my personal information, but not so much as a confirmation email. 

I have no idea what to do. I'm self employed and have taxes due, not to mention XXXX XXXX rent and now to make everything worse, I'm terrified that they're going to use my personal information against me.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp. (GA)

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.

1 Please remove the following inaccurate address from my credit report XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XX/XX/XXXX Balanced {$0.00}
Consumer complaint received 2021-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

I do not owe Transworld SYS IncXXXX XXXX the account was closed and they reopened as a from of harassment it is XXXX and elder abuse. I have disputed all of these accounts with the three credit bureaus and they retailiate and reopened the accounts.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (FL)

This was for a old mortgage I had on a home that shows on my credit as seriously delinquent. Which I have never missed a payment on. This home was sold back in 2018 and this still showing up on my credit report as two payments plus was missed
Consumer complaint received 2021-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc. (AL)

Consumer portfolio sold the account in my name to another company after repossessing the car and selling it. The car was repossessed the year ofXX/XX/XXXXand the account was sold the company number it was sold to is XXXX.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a loan with Bank of America about 3-4 years ago, due to becoming unemployed for a year I was unable to make car payments which forced me to return the car to the lender. I received docs showing the car was sold but way under pay Ans it showed a balance then later I noticed that the acct was charged off. I never received any attempts to collect or make any payment arrangements, its been difficult the last few years specially after COVID. Ive been attempting to start my photography business going to increase and improve income for me and my family. Last week I had an accident with my equipment and my renters insurance send me funds to fix it. The funds were transferred to my savings acct to fix the issue and Bank of America too the funds. Just found out they took it for the charged off loan. Im not too happy of the way things were handled they did not attempt to contact me. Notify me or make any arrangements. They forced me to make an arrangement now which it will be difficult since my gf still unemployed due to COVID but they didnt care. They said that I agreed to that back in 2005 when I open the bank acct with them.