davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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: Resurgent Capital Services L.P. (FL)

At this point I feel like Im not being acknowledged as a human being and Im truly disappointed in the company effort to help my needs. Im beginning to understand that Resurgent Capital Services is misrepresenting this debt and how its being presented to me because Im not getting what Im asking for which is a copy of the contract which I have yet to receive. Reason being Ive been apart of multiple data breaches in the past and i understand that complies must follow the Fair credit act and FDCPA and Resurgent Capital Services is violating my rights under 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions And plenty more can you please help to make sure they follow the rules.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/2023, I signed up for a student loan consolidation and repayment plan on studentaid.gov. The repayment plan I signed up for had a 0.5 % interest rate once consolidated and the consolidation would be handled by AidVantage before eventually being handed over to XXXX for servicing. I have a screenshot from that day showing the rate quoted. In early XX/XX/2023, I received a letter in the mail stating my interest rate could be significantly higher than previously told to me, so I called AidVantage about it. I called on XX/XX/2023 and spoke with XXXX XXXX on a recorded call ( XXXX XXXX XXXX XXXX  ) about the letter I received and she told me that the letter was incorrect and that I did indeed have a 0.5 % interest rate locked in. She advised that I was only receiving the letter because of all the backed up loans coming back to repayment at the time. She told me not to worry, that my interest rate would definitely be 0.5 % when all was said and done. 
Sometime after that call my rate was changed to a 7.125 % interest rate and my newly consolidated student loan debt was handed over to XXXX at that higher rate. XXXX is telling me that if there was a mistake, then it was AidVantages fault. Studentaid.gov says they only handle applications. And AidVantage said I should talk to XXXX about it. This is a nightmare. I finally got an AidVantage manager/supervisor to email me about this and she said she listened to the call, heard me being told I had a 0.5 % rate, but is still refusing to adjust my rate to match what I signed up for and what they verbally told me was locked in. 
I need help. The payment theyre asking me to make is so much higher than I ever imagined and they are racking on interest with every passing month as Im fighting this. I just want the loan I was promised.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (LA)

I have reviewed my Consumer Reports and noticed that I have Inquiries on account ( s ) that I do not recognize nor do I hold accounts for. I have kept a respectable credit portfolio prior to this and I am afraid this will prevent me from any future credit opportunities. This is an inaccurate reporting on my credit report and Consumer Reporting Agencies have a responsibility to report information to the best of their ability with maximum accuracy. I called these lenders and they could not confirm with me the legitimacy of these inquiries and I asked them to have them removed but they informed me this is the only way. I have tried to resolve this numerous times by beaching to both the creditors and the Credit Bureau. These inquiries I want removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these inquiries belong to me. If proof can not be provided I demand that these accounts be deleted from my Credit Report Immediately.
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a promotional 0 % balance with Capital One, which involved a 0 % interest rate on a balance of approximately {$15000.00}. Throughout the duration of this promotion, I diligently checked my monthly statements to monitor when this offer would expire, as I intended to pay off the balance before the standard interest rate applied. However, in my XX/XX/XXXX statement, there was no indication or warning that the promotional period was ending, nor in the statements prior. To my surprise, on my XX/XX/XXXX statement, I was charged an interest of {$350.00}. 
Upon discovering this, I immediately paid off the remaining balance and contacted Capital One customer support for clarification. A representative initially agreed that the situation was misleading. However, upon escalation, a supervisor ( XXXX, ID : XXXX ) denied any deceptive practice and refused further escalation or formal complaint procedure, stating that Capital One would not address my complaint further. Additionally, when I requested documentation showing the terms of my promotional offer, I was sent a statement from a XXXX XXXX  dating back to XX/XX/XXXX. 
I believe this situation constitutes a clear case of deceptive practice, as there was a failure to provide adequate notice regarding the end of the promotional period, which is a key piece of information for any consumer managing their credit card balances responsibly. This lack of transparency has resulted in an unfair charge that I was not prepared for, nor was I properly informed about in a timely manner.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (PA)

The company refused to pay me the cash back of {$17.00} after they told me it would be applied. I made a purchase of {$19.00} then paid {$2.00} to cover the difference. Now they claim I'm not getting the cash back and I owe them {$17.00}.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

on XX/XX/XXXX I noticed that PayPal wrongfully restricted. 
I did not recieve any notification or mail, I just found out about it by chance. 

PayPal has not provided any help, or put any effort to solve this matter.
Consumer complaint received 2024-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Since falling behind on my mortgage in XXXX when XXXX XXXX XXXX managed my loan, my loan was transferred and has since been serviced by Select Portfolio Servicing , Inc . Although I have not been late on my mortgage payments in over ten years, Select Portfolio has continued to service the mortgage. 

Each year, at the end of the year, I receive a notice stating that my 'Escrow is insufficient ', which has required an increase in my monthly loan payment for three consecutive years. Becoming suspicious about the practices, I contacted Select Portfolio to receive an explanation on my mortgage increases. I was told that on XX/XX/XXXX, my " mortgage analysis '' indicated that my taxes had increased, which increased my monthly payment as of XX/XX/XXXX. However, when I received a statement from my towns department of taxation, it noted that my taxes HAD NOT increased. Additionally, a change in my home owners insurance carrier actually resulted in a {$500.00} DECREASE. Based on these facts, on I contacted Select Portfolio Servicing, to request a copy of my 'mortgage analysis ', which I was told was going to be mailed to me. That request was made in XX/XX/XXXX. To date, I have yet to receive those documents after several phone calls. 

This final increase increased my mortgage by another {$200.00} which nearly makes it unaffordable. Despite my many requests, I can not obtain any documentation to support these consistent mortgage payment increases, neither are my concerns being addressed by the mortgage company. Additionally, I'm finding it nearly impossible to transfer my loan to another servicer. As a consumer, I am being taken advantage of and I require assistance before my loan becomes unaffordable causing me to lose my home. 

I will send this document to a number of agencies in attempts to get help.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX, XXXX, Experian & XXXX XXXX have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/XXXX - XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion, XXXX, XXXX & XXXX XXXX have all engaged in dark patterns, resulting in abuse of consumer 's file and has furnished these reports unfairly from XX/XX/XXXX - XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Ive just obtained a copy of my credit report and noticed an error. 

XXXX XXXX XXXX XXXX UNDER 15 US Code 1681c-2, Block of information resulting from identity theft, it states if a consumer disputes inaccurate information, the debt collector has 4 DAYS to DELETE or REMOVE the information from the consumers credit report. 15 US Code 1681i states that if an account was verified, it must be deleted and have a Procedure in case of disputed accuracy.

This collection was previously deleted and was put BACK on my credit report. THIS IS. VIOLATION, and I would like this account REMOVED as soon as possible.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (MA)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have been trying to log into my online Equifax account to my unfreeze my credit report so that I can start internet service at my new home. The internet provider requires all three credit bureaus to be unfrozen. I was able to do so within minutes of accessing XXXX 's and XXXX 's online portals. Equifax 's online portal, however, refused me access, despite me providing information exactly as it appears on my credit report. Equifax told me to call. When I called, the automated service put me through the same hoops as the online service, only to give me the same error about being unable to access my account. I tried online again, and the system said they would mail me a verification code. That verification code was either never mailed, or mailed to an old address to which I have no access. I have not been able to speak with a human being to confirm. I have been trying since I moved into this apartment 10 days ago to lift this credit freeze with Equifax. When it comes time to set up the rest of my utilities ( in the middle of winter, mind you ), I will need this report unfrozen so that *I* will not freeze. This is an absolutely insane lack of concern for customers timely access to the important task of unfreezing a credit report. XXXX and XXXX have it figured out ; why can't Equifax get it sorted?
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (MO)

Experian for the 2nd time has this woman name XXXX WHO BARELY SPEAKS XXXX AND CAN'T DO ANYTHING, SHE HAS NO AUTHORITY TO DO ANYTHING ONCE AGAIN THROUGH RESEARCH WE DOUNF OUT THIS IS A TACTIC TO SAY THE MADE CONTACT, THE SCREEN SHOT SHOWS THE CALL THIS IS BEING FORWARDED TO THE DOJ BY REQUEST
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (MO)

Experian again closes another complaint without having addressed the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data.

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Three reporting bureaus and XXXX XXXX abused file to deny age of creditor, utilized information from over ten years ago [ employment history ], and company denies any wrongdoing for their failure to report accurately from 2019
Consumer complaint received 2024-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Idaho Housing And Finance Association (WA)

Hello, I was not able to submit payments to Homeloanserve for three weeks. I called them, talked to the manager, and wanted to make sure a payment would not go on there late because I was trying to pay. They told me I'd be able to make payment tomorrow, and assured me I wouldn't be listed as late. The next day they made payment possible and listed me as late though I'd talked to them just the day before and tried to pay for three weeks. They have not responded to my emails to remove this payment. They also said they would remove three late payment fees for system error and instead charged more late payments.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The bank froze my business checking accout due to an electronic deposit from a client that made the mistake of putitng their own name for the deposit instead of my business. 
The total was {$100000.00}. They froze my entire account which had {$18000.00} in it with the balance funds that had been available for weeks. 
Now I can not access my cleraed cash form within the account and my business can not do any work. 
They will not do anything. They do not have the right to hold my funds that have been cleared yet they will do nothing. This has affected my business and I have not been able to work due to this. 
What legal action do I have.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I was notified in XX/XX/XXXX, that I have a credit card debt from XXXX XXXX dated from XXXX, at the address XXXX XXXX XXXX XXXX. This has always been a rental property, never resided there. My current address is XXXX XXXX XXXX XXXX, Pa. XXXX for XXXX. This credit card account isn't mines, never applied for a credit card with XXXX XXXX. I asked for proof with my signature on credit card application. I didn't receive it. This is a XXXX XXXX XXXX fraudulent account that's not mines.Police report included XXXX # XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Fix the problem and add car payments FCRA for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as PAID on time. 
Send me new credit reports.