davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc. (PA)

My last bill was charged wrongly and they added {$35.00} on my account. When I called the customer care there was a lady which was really understanding the situation and asked me to stay and confirmed me that she will connect me to her manager.

Now the problem arises, her manager was very rude and not even ready to listen anything what my problem is. 
I am sure XXXX XXXX would have call records from that day. 

She was not listening my reason asked me pay full bill. She was trying to threat me that I'll not pay the amount something bad will happen to me. 

This is what happened I moved my lines from XXXX to XXXX on first week of XXXX and final bill only on 2nd week of XXXX. I called customer care that they charged me {$35.00} with no reason. but they manager lady was not even ready to listen and saying all the time that I have to pay this amount. 

I explained that this is wrong charges on my account but she was adamant. 
Only after 3-4 days of this call I got a letter from debt collection agency that. I am sure this is not what my last bill was saying. 

XXXX really owe an apologies for this. Since receiving this debt collection agency letter I am trying to call XXXX XXXX customer care. After a wait time of 2 hours their representative just listening my name and disconnecting my line. This happened 3 times and I can prove this and XXXX should have data of these calls to their customer care. 

It never happened when was I using their services. As I left their services they are charging unnecessary and want to take my hard earned money. 

I remember I gave my card number on my 1st call to XXXX customer care person to resolve this matter but that lady was rude and scared me that debt collection agency will only receive this amount. 

I really need some help from this XXXX XXXX  service organization. They are here to provide services to us and XXXX should take some action against that lady manager.
Consumer complaint received 2024-03-11
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. (MA)

Don't know the dates or amount I'm trying to investigate who's cellphone number is this ( XXXX ) XXXX in my TransUnion account understood I never gave anyone permission or authorization at all please report n file the fraud in the first degree understood
Consumer complaint received 2019-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

OneMain Financial, ran under the direction of the XXXX XXXX and the District Managers of XXXX and XXXX  in Michigan force licensed agents to include all optional credit and non credit product premiums into the loan quotes when selling or offering OneMains loans to consumers.  They have set a sales goal and this goal directly reflects your personal ranking within this District and Region and is used to evaluate your performance on a month to month basis. Your job at OneMain is contingent upon meeting this laid out sales formula to increase premiums for the profit of OneMain and NOT to disclose or be transparent to any of the consumers.  The company also tried to steer away from any customer who is over 70 years old as they cannot sell insurance products to them due to age as it reflects the sales numbers for  optional products.
Consumer complaint received 2019-09-10
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. (MD)

I reached out to XXXX XXXX, Experian and XXXX  a number of times since XX/XX/XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XX/XX/2017, I received a notice from Select Portfolio Servicing, that claimed that I was to begin paying them, as they had become my new loan service provider. 
I initially believed it to be a scam, as it was a generic letter, and I had not received any notice from XXXX XXXXXXXX XXXX, who had been the current servicer. I requested loan documents, and a copy of the note. They sent me an electronic copy printed from their computer, of all the files they had relating to my mortgage, but no " Certified Copies '' of ANY original documents. I repeated my request multiple times, and received the exact same printout 4 times I believe, but still not a certified copy in the mix. They informed me that I could drive 15 hours each way, and view it in their XXXX XXXX XXXX office, where they keep them, and I informed them that they were not complying with R.E.S.P.A., and that they were required to send me a " Certified Copy '' and not just a print from a computer file. 
Several tries later, I was finally contacted by a man from their Ombudsman office, who agreed that they would send an actual certified copy of the Note, and other relevant documents. This did not happen. I have contacted them several times over the last 8 months, and have met the same exact end, no " Certified Copy '', and their office declaring they have met their obligation. 

They also changed the impound account amounts as soon as they took over this account, which they claimed they don't do, and increased the amounts by nearly {$150.00} per month, and could not explain adequately why, since there were no changes on the insurance or tax amounts being billed. Claiming that they don't do that until they have had it long enough to evaluate if there will be any shortfalls or overages ... yet they did it anyway. 

This lead to further concerns on my part. If they can just change things at their discretion, where will it stop? 

While I am not in default, I have been paying this under duress. I have been trying to work with them, but am afraid that they DO NOT actually possess the " Original Note. '' While this is not a huge issue at this moment, if I continue to pay them until the property is fully paid off, and someone else actually owns, or possesses the actual note, they could not sign off my property, or return the note to me. I could also lose my property to the actual note holder in the future, if they decided that I did not pay, or suddenly decided I owed a tremendous amount of back payments. 

While Select Portfolio Servicing was legally obligated to provide Certified Copies within 30 days from my request in XX/XX/2017, I am still waiting, and want those copies as requested. 
If they do not actually possess the required documents, I want the information on who does. Also for S.P.S. to stop collecting a debt they do not legally own.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX  Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-10
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc. (IN)

I was contacted by mail from Key 2 Recovery Collection Agency in XX/XX/2019. The initial letter stated it was an attempt to collect a debt on behalf of Indiana XXXX University. I replied to this letter via postal services, asking for debt validation Information and proof of authorization to collect in the state of Indiana, because their office is in the state of Ohio. 

In XX/XX/2019, They replied to my request with a letter of charges and fees, but none of the information that I requested. They also failed to prove their authorization to collect debts in the state of Indiana. After receiving this letter, I sent a cease and desist letter to them via certified mail with a signature receipt upon acceptance. I HAVE THE SIGNATURE RECEIPT AND A COPY OF THE CEASE AND DESIST LETTER I SENT TO THEM AND PROOF OF ACCEPTANCE. 

In XX/XX/2019, Key 2 Recovery, falsely reported a collection account to my XXXX  consumer credit report. The information on the collection account states that their initial reporting to XXXX  started in XXXX of 2019, but the open date of the collection account is XX/XX/2019. 

Since then Key 2 Recovery, continues to falsely update this account information and completely ignore the cease and desist letter that I sent to them. The last time they updated the account was XX/XX/2019. 

This is a complete violation of my consumer rights. This company has shown that they are willing to violate consumer laws and collection laws and guidelines. I would like to take them to court and have these collection company closed for ignoring business laws, consumer protection laws, antitrust laws, and collection laws and guidelines.
Consumer complaint received 2021-12-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT)

I initiated this transfer transaction from MoneyGram.com on XXXX for 10000 USD. Transaction number is XXXX. Today on XXXX I got notification that the transaction was cancelled with no reason. Infact money was deducted from US account. This never happened in the past. 

When I initiated the transaction the XXXX XXXX XXXX XXXX and today XXXX is XXXX XXXX When the rate increases they transfer on time and when rate reduces they cancel transaction. 
This is lack of professionalism and failure of commitment on their part and exploitation of consumers. I needed the money on urgent basis in XXXX and will have to borrow from bank on interest until I get this money transferred to my account in XXXX.
Consumer complaint received 2021-12-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/2021 US Bank was supposed to pay my credit card with a check. They chose to pay with an electronic fund and refuse to give me proof of payment. 

I have asked repeated on a weekly basis for a trace number or transaction number showing proof of payment. They will not respond to the request.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MA)

Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the XXXX minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA XXXX however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting
Consumer complaint received 2019-09-10
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. (PA)

Transunion and XXXX employees over the phone both explained how the investigation process works. They both said that they send the collection agencies the disputes and they have 30 days to get it back. I asked them what proof did they get from them and they all said it is whatever they transmit to them on tape. I asked them about my signature on a document. They both said no. They only have to look on their computers and check if it sill shows. Well I told them does that I can open a XXXX XXXX XXXX and report they are delinquent with me for millions as well as XXXX  and Transunion. When XXXX calls me I can say yep, they still owe me but I can settle for 80% of the millions they owe me! They both offered me to provide a consumer statement. I said XXXX to both of them. Put that in where the sun don't shine!
Consumer complaint received 2021-12-25
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)

I am a federally protected consumer and I am fully aware that Transunion has violated my federally protected rights by reporting inaccurate information on my consumer report, which caused me to be denied on several credit applications.
Consumer complaint received 2021-12-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I HAD TWO CREDIT CARDS WITH CAPITAL ONE. CAPITAL ONE ALLOWED MICROSOFT TO CHARGE BOTH CARDS WITHOUT MICROSOFT NOT HAVING MY NEW CARD NUMBER AND THEN WHEN I DISPUTED THE CHARGE THEY INITALLY GAVE ME BACK THE {$75.00}, THEY MICROSOFT REJECTED MY DISPUTE SO CAPITAL ONE ALLOWED THEM TO CHARGE ME FOR OFFICE 365 WITHOUT ME PURCHASING IT. 

IN ADDITION AND THE WORST PART OF THIS IS THAT I WAS FORCED TO BUY MICROSOFT OFFICE BUT DO NOT HAVE ACCESS TO IT AND I CAN NOT REACH MICROSOFT TO GET THE CODE AND CAPITAL ONE REFUSED TO GET THE CODE. SO I HAVE PAID FOR SOMETHING I DID NOT PURCHASE AND NOW I CAN NOT EVEN ACCESS IT. 

I EITHER WANT THEM TO RETURN MY MONEY OR IF YOU CAN REACH MICROSOFT, AND GOOD LUCK, GET THE CODE OF WHAT THEY STOLE FROM ME FOR THIS SOFTWARE SO THAT I AM ABLE TO USE THE SOFTWARE THAT THEY STOLE MY FUNDS WITHOUT A PURCHASE. 

THIS IS FRAUD ON BOTH CAPITAL ONES PART AND MICROSOFT. HOW THE XXXX DO THEY GET AWAY WITH GOING TO THE BACK END OF MY ACCOUNT AND STEAL MONEY WITH NO PURCHASE AND WHY DOES CAPITAL ONE ALLOW MICROSOFT TO DO THIS? 

THIS IS THEFT AND FRAUD AND HOW MANY PEOPLE ARE THEY STEALING FROM BECAUSE THEY WILL ARGUE ITS ON A REVOLVING ACCOUNT. HAVE YOU EVER TRIED TO CANCELL ANYTHING WITH MICROSOFT? ITS NOT POSSIBLE. 

SO I WANT THIS INVESTIGATED AND I WANT MY MONEY BACK BECAUSE I CAN NOT ACCESS THE SOFTWARE, YET THEY STOLE MY MONEY WITHOUT PERMISSION AND HERE WE ARE AND I NEED THE SOFTWARE TO LOOK FOR WORK. 

I WANT THIS CORRUPTION STOPPED AND I WANT MY MONEY BACK AS ON MY LAPTOP THEY ARE ASKING FOR ME TO PURCHASE AGAN!!!!!!! 

P, LEASE GET TO THE BOTTOM OF THIS AS IT IS FRAUD AND ITS CAPITAL ONES FAULT. THEY ARE APPARENTLY AFRAID OF THE COMPANY OR THEY HAVE A CONTRACT TO ALLOW MICROSOFT TO STEAL FROM ANY NUMBER OF MILLIONS WITH A CAPITAL ONE ACCOUNT SINCE MICROSOFT AND CAPITAL ONE HAVE CHARGE BOTH CARDS I HAVE SINCE CLOSED BOTH ACCOUNTS SO THAT THEY CAN NO LONGER CHARGE ANY OF MY ACCOUNTS AS THEY ARE DOING IT ILLEGALLY
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We live in XXXX CA, Our mortgage loan was transferred to SPS ( Select Portfolio Servicing Inc. ) in XX/XX/XXXX. They have continually and consistently raised our payment and the numbers never add up to the taxes and insurance going up which has happened. They label this the Annual Escrow Account. When I call, which is every year, we go back and forth ( they have been trained on the same lines that are full of lies to block you ) and they mail me a bigger set of papers with the same lies. ( They attempt to make it confusing by making it complicated and thereby obfuscating the Truth, but numbers do not lie. ) Numbers for year XXXX : Insurance went from {$1200.00} to {$1400.00} Taxes went from {$4900.00} to {$5300.00} add that adds up and total {$580.00}. They said there was a shortage of {$2300.00} and they raised our payment by {$190.00}. How? They say from last year but last year they raised they payment too. And it didnt make sense. They finally allowed us to pay Taxes and insurance separately but first they are stealing {$1700.00} from our family.
Consumer complaint received 2021-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OR)

In XXXX, I opened a Citi Bank Double Cash Card. My account statement for the billing period XXXX XXXX, XXXX XX/XX/XXXX showed a rewards balance of {$470.00}. The next account statement I received, which was for the billing period XXXX XXXX, XXXX XXXX, XXXX, showed that the bank rescinded the cash rewards points I had earned, leaving me with a {$0.00} rewards balance. I am a senior, and as with many seniors and people of all ages, I had to significantly change my spending habits in response to the pandemic ; as such, I had no activity on my card from XXXX XXXX XXXX. 

Though the account remained open between XXXX XXXX XXXX, I did not receive any statements or other communications from the bank or credit card company ( XXXX ) during this period of inactivity. I also did not receive any notification or warning that I was approaching 12 months of account inactivity, and was at risk of losing the rewards points, or guidance with steps that I should take to avert the loss. 

Upon receiving a statement for the billing period XXXX XXXX, XXXX XXXX, XXXX showing the bank rescinded my {$470.00} rewards, leaving me with a {$0.00} balance, I immediately called the banks customer service number ( XXXX ) and spoke to a representative named XXXX. He told me that he put forth a " request for courtesy reinstatement of points to The Team ''. He mentioned my good standing and this was a one-time request. 

I received a form letter ( attached, dated XXXX XXXX, XXXX ) denying the request to reinstate my balance of {$470.00} rewards points. On XX/XX/XXXX I called the customer service number provided on the letter to ask for a review of my situation since XXXX had suggested he expected that I would be granted the courtesy reinstatement. I was transferred to a woman who declined to provide further assistance, and insisted that the letter I received indicated that my file was now closed and there were no further steps she would take to reinstate my {$470.00} rewards points balance.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

Prestige Financial has been Harrassing badly. This company has been threatening me over the phone.They have been giving false balances to the credit agencies. They lied and stated to XXXX that I was included in my bankruptcy they werent. When my score goes up they report a fake balance. When ever I do a review on XXXX or XXXX they follow me and report and increase to the credit bureau. They filed bankruptcy and still want me to pay.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (MA)

Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as XXXX less now and with incorrect comments. Despite XXXX XXXX lawsuit of JD Byrider by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and CNAC, XXXX XXXX XXXX XXXX XXXX, and JD ByRider breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and JDByrider.