davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Credit Counsel, Inc. (FL)

I was attending school and failed out of my XXXX class. However, tutuion options was the loan lender. The school name was XXXX  XXXX university. I was trying to get my payment lower then XXXX dollars a mount to XXXX tuituion options said i had to call the school back and settled that with them. Well today, I received a call from XXXX today atXXXX XXXX I didn't get tha name of the rep, he was very rude to me, telling me I need a Job, this is why I'm In this situation, he wouldn't let me speak to no other rep, nor get his supervisior name nor put them on the phone he called from the headquarters of the company in XXXX, fl I was able to retrieve the number from the XXXX, fl locattion is the number I called back I explained my situation to the young lady she called him he came back on the line and stated " oh! you have time to hold on when you need to be working fulltime " Go get a Job " I hang up 3 times he kept calling back. Yes! I called the office back several timepraying I can get someone else to answer apparently they have caller ID so he knew it was me and would answer the phone not given his name nor number. These people are trying to collect a debit but are being very rude and nasty in the process calling harrassing the customer is not fair i really need to take action about this matter
Consumer complaint received 2023-03-15
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. (VA)

I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported.

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (TX)

I have been an XXXX  customer for over 10 years, since I wanted to have access to XXXX app, XXXX installed a cellular transmitter which gave me the ability to access the system via the XXXX app on my cell phone. When they did this, XXXX made me sign a new three-year contract even though no new keypads or sensors were upgraded. XXXX months later I got married and we sold my house. 

In an attempt to fulfill the new contract, we were willing to transfer the service to our new home which we purchased and remodeled by taking it down to the studs. During the remodel, we asked XXXX to come out to do a pre-wire to ensure all of the wiring in the new home was embedded ( hidden ) in the walls. In fact, all of the visible wires that were on the exterior of the home were removed and we paid over {$1000.00} to have all of the utility wiring buried. We called twice to have them come out to do the wiring before we put the sheetrock back on and we were informed that they would only come out once the remodel was complete. 

Once the remodel was complete, the XXXX installer came out and informed us that they would need to use white wireless sensors that are mounted directly on the stained wood door. He also let us know that the control panel would have to be mounted above the electrical outlet and that the transformer would have to be plugged into the outlet below which, like the sensors, would be visible in the room. Given we spent over $ XXXX on the remodel, this was unacceptable. 

When we inquired about the recessed wireless sensors that are on the market, we were informed their new state of the art panel, XXXX XXXX, did not work with any of those. 

I spent over 49 minutes in the telephone and was bounced around to three different reps trying to find a solution that would allow us to fulfill the contract I had at my old home. When I offered to install my own system that was compatible with the recessed wireless sensors and then have XXXX continue to monitor the system to fulfill the old contract, I was transferred to a fourth rep who claimed she couldn't hear me and asked that I call back! 

In the meantime, XXXX has decided to send our account to a collection agency! Needless to say, we are very frustrated and believe XXXX, after 10 years of loyal service, has really let us down. At this point we just don't know what to do! 
We posted a complain on consumer affairs and a representative answered that would give us assistance, but of course, no calls were received from XXXX. 
We want to be released from the old contract and not have to pay the penalty of {$1100.00} or any penalty for that matter.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (GA)

There is a missing deposit on my accounr. My employer, XXXX XXXX XXXX has been depositing into this account for many years. Since XX/XX/XXXX they have deposited every 2 weeks with not an issue and several times after this missing deposit. 

On XX/XX/XXXX my employer deposited {$3300.00} which has not reached my account nor has been returned. This deposit was traced ( trace number XXXX ). 

Since then I provided Net Spend with attached to show from my employers bank the transaction yet Net Spend is saying they can not locate this deposit. 

I am at a loss that in XXXX with everything digitally tracked that this deposit can not be found or traced to see exactly where it ended up and have it returned. 

I am filing a complaint everywhere because I am at a loss as to what help can be provided to me or help to find out where this money is.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hello my name MrXXXX XXXX XXXX, im reaching out because I'm having issues with my Bank Institution Citibank, Especially with there customer services over the phone I'm requesting for them to remove the block they have on both of my checking accounts a There no help over the phone nor online including the branch. I'm XXXX XXXX veteran, due to my health condition I cant travel to the nearest bank. 
Checking acct ending XXXX {$19.00} Checking accounts ending XXXX {$7000.00}
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (MI)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (AZ)

I opened an account withe Conns in XX/XX/XXXX. I received an email welcoming to this insurance company. I realized Conns added renters insurance to my account. I reached out to Conns and they told me how to cancel my ins. and the warranty, which I did add but no longer wanted. I did exactly what they told me and I saw a credit for the warranty and no charges for ins. I thought it was done. I purchased another item in XX/XX/XXXX and realized that I was still being charged for the Ins. I called and requested to cancel and receive a refund of all ins. paid. I was told to show proof I carried ins. for the past 2 years and it would be refunded. I asked what the amount was and she said XXXX. I paid it off minus the XXXX. This was in the amount of XXXX. This amount came from the agent I was talking to. Fast forward, this was never done, after numerous calls I finally just paid the amount off on XX/XX/XXXX because it was really affecting my 100 % payments credit score. Now today it is still affecting my credit, Conns has {$70.00} still sitting on my credit with 116 days delinquent. I have called several times but they keep saying although I don't owe anything it's still under review. In the meantime my credit score is dropping and I'm in the process of buying a small company. I have disputed this transition and still nothing.
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CT)

Ive been a homeowner for 19 years was never once late on my mortgage in 19 years until the end of 2019 when I was out of work due to an injury and had XXXX surgeries and was not receiving any income. In XX/XX/2019 I called Bayview they sent me up on a fresh start program that forgives the few payments I was behind even though I was paying each month and set me up on auto pay I thought everything was fine and when I went to go make my payment in XXXX the website would not let me nor over the phone it would transfer me to a loan specialist who Ive been calling for over a month and he has not called back I finally got a hold of yesterday and he proceeds to tell me that XXXX who I spoke to in XXXX never put me on the fresh start program and completed the process which no one ever called and advised me that and now he tells me that my mortgage is in foreclosure and theres nothing he can do for me he said he has a modification which I will not except my interest rate is at 4.25 % on a 30 year fixed and he wants to give me a modification Starting at 8.75 % and an annual increase adjusted interest rate every year and I will not except that offer I said I was in a fresh start program and to my knowledge I should be current and able to make XXXX payment. Also for 19 years I never had escrow included in my mortgage and I received a statement that all of a sudden in XX/XX/2019 they want to add escrow into my mortgage payment and my original mortgage with XXXX has a stipulation that escrow was not included in my payments and also my mother and my uncle help me and they pay my property taxes they will not fix this and take my escrow out
Consumer complaint received 2023-05-15
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. (PA)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 items 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 2021-03-11
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: Finance of America Holdings LLC (GA)

Finance of America Re : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. 

THIS INQUIRY ran ON XX/XX/2020. This is impacting my credit and am unable to obtain needed credit. 

XXXX*I RESPECTFULLY ASK, REMOVE THIS INQUIRY FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is reporting the following : " Account charged off. {$4700.00} written off. {$3900.00} past due as of XX/XX/2019. '' It is not possible that only {$3300.00} is past due after 7 years the entire amount is past due. 

The law requires that information be ACCURATE or removed.
Consumer complaint received 2020-01-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (TN)

My father passed away in XX/XX/2017. We received a letter from the student loan holder that the debt was discharged due to his death. Pioneer Recovery has harassed everyone in my family, including my husbands ex wife. They have called repeatedly asking for information about me to my mother in law, father in law & husband. They have all answered and asked them to stop calling because they didnt not have information for them.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP (IA)

I had fraud occur on my ameris bank debit card totaling over {$3000.00}. 

Filed a DISPUTE FRAUD COMPLAINT. waited XXXX days, called MULTIPLE times to check on my dispute & they only gave me {$40.00} back claiming they cant refund my {$3000.00}. 

The fraud occurred on XXXX and I DONT USE CASHAPP. 

they are literally refusing to refund me my money and this is probably the worst bank experience ive had so far. 

I was told that i cant get a refund from the bank, i have to contact cashapp but BY LAW. im supposed to be covered when fraud happens that doesnt involve the use of my PIN, i cant get i. contact with XXXX. ive been trying
Consumer complaint received 2022-01-28
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: V and H Portfolio (OH)

The issue has been ongoing since XX/XX/XXXX. There was XXXX  negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. Vance & Huffman LLC $ XXXX Collection Agency _ original debtor ( XXXX XXXX  ) 2. Vance & Huffman LLC $ XXXX XXXX _ original debtor ( XXXX XXXX  ) 3. XXXX XXXX XXXX XXXX XXXX XXXX original debtor ( XXXX ) I contacted XXXX, XXXX and XXXX and file a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however XXXX did not, XXXX state that the creditor meet FCA guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the Vance & Huffman collection were from a company call XXXX XXXX, I phone XXXX XXXX and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, XXXX  use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over 7 year old. but the Collection agency is reporting as this debt occurred in XXXX. I contacted XXXX with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the FCA guideline. 

2. XXXX XXXX XXXX, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, XXXX XXXX XXXX has once again place the negative item on the XXXX and XXXX report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

When I took this credit card out I enrolled in an optional insurance program ( a/k/a XXXX XXXX' ) that would payoff the balance should I become unemployed or XXXX. 

While this credit card made a partial payment as I was unemployed waiting on my XXXX to be approved. It has not paid the balance off as stated in the terms and conditions of the optional insurance program ( a/k/a XXXX '' ). Despite, my sending both doctors reports and a copy of my social security determination showing I am receiving XXXX. 

I have discussed this matter with an attorney that stated this could fall under the " unconscionability '' provision of XXXX  XXXX XXXX. XXXX. I do not want to file suit against XXXX However, if this item is not removed from my credit bureau as it should have been paid in its entirety by the optional insurance program ( a/k/a XXXX  '' ) that I enrolled in when I first took out the credit card, I am prepared to file suit. 

I have also been advised that the optional insurance provision ( a/k/a XXXX '' ) could invalidate the contract because a contract requires offer, acceptance, and valuable consideration. When the credit card was taken out, the optional insurance program served as valuable consideration to my acceptance of the credit card. 

This item needs to be deleted from my credit bureau as I do not owe a balance. The responsibility to ensure accurate credit reporting. Including, disputes regarding the optional insurance program falls on the credit reporter. In this case, XXXX  and their failure to do so, could be a violation of the Fair Credit Reporting Act as well as Regulation Z.
Consumer complaint received 2020-01-08
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. (FL)

I believe to have been a victim of identity theft and it may be due to data breach and now my credit is suffering tremendously because of it. It has completely devastated my near perfect credit rating and now I can not purchase a home as planned. Please help in this matter to get these erroneous accounts removed off my report in a timely manner.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (UT)

Aldous and Associates is reporting a debt that is not mine. They are saying I owe {$330.00} to XXXX XXXX. however, I have an account with XXXX and have no clue why this is reporting.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-05-15
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. (NC)

15 U.S.C 1681 Section 604 A Section 2, It states that a consumer reporting agency can not furnish an account without my written instruction 15 U.S.C 1681 Section 602 A. states that I also have the right to privacy.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My payment is due to XXXX XXXX XXXX on the XXXX of each month. My report states that my account is 30 days late when it is not. Today is XXXX XXXX XXXX From the XXXX of last month to the XXXX of this month is only 13 days. My payment is scheduled to come out on my bank account on XXXX XXXX XXXX Even so, that is 18 days and not 30. This inaccuracy took 94 points off my credit report and to be completely honest, I am thinking to get rid of this loan and refinance with another company. This is fraudulent. The date that is showing when they reported was XX/XX/. Even so, the XXXX to now is 6 days including Saturday and Sunday. I filed additional complaints with other places including this bank also lying on my auto loan application about my finances and bills. Most of that information is also incorrect.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

On XX/XX/XXXX XXXX my debit card was stolen. Once I noticed my debit card missing I call the bank to cancel my card. XXXX XXXX told me to file a police report which I did on XXXX. I have file a fraud claim to dispute for the charges, on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have denied all my claim. I have sent them all the information they have requested and still DENIED. XXXX XXXX has closed my account and send me to collections. I just received another letter today. When I call the collection office refer me back to XXXX XXXX.XXXX have denied my claim even after sending them a police report. Its discrimination, Belittling, just plain harassment and gender profiling.