davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NJ)

XX/XX/XXXX XXXX XXXX has hired Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to collect on my debt of XXXX. 

I am not disputing the amount owed or any interest owed to XXXX XXXX. I have been discussing my account with XXXX XXXX, and trying to work out a reasonable solution. 

I was receiving many phone calls at work and I did not want to discuss my personal business on the phone. 

Radius Global Solutions did an area search of all my neighbors and reached out to a retired Sheriff and asked them to reach me for a personal business matter - which means to anyone including a Sheriff its a debt collector. This neighbor has nothing to do with my family and should not be exposed to my personal information. 

When I complained to Radius Global Solutions - the response was they will remove the number and add it to a do not call list. They told me it was in my contact list in my XXXX XXXX Profile. This does not make sense, I never created a contact number in my XXXX XXXX profile for this neighbor, which does not share our family name. So Radius Global Solutions lied to me knowingly breaking the law on sharing personal information on a US consumer. 

I clearly understand the motive and I understand the job of a debt collector, it is the blatant abuse of a person in debt like me from firms like Radiant Global Solutions that must stop. 

The tactic being used is to embarrass and humiliate the debtor to submission. I was always in contact with XXXX XXXX and I intend to make good on my debt. 

Radius Global Solutions intentionally contacted my neighbor to create a atmosphere of guilt and shame and purposely reached out to a local law enforcement officer ( Retired ) to make sure I would be compelled to call them and make a deal to pay this debt. 

This is unacceptable and illegal. I have been an XXXX XXXX XXXX holder since XX/XX/XXXX and now because of temporary hardship issues I must make a different payment arrangements to make good on this debt. 

XXXX XXXX is a great company and I want to pay this debt in full, I am sorry that I can not pay the debt today, I just do not want to be ridiculed and embarrassed in my own home town.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I called in on XX/XX/XXXX to pay the past due balance on my truck loan {$3000.00} that was in collections. I had funds on hold so the representative set up a pre auth for me. She set it up to my RV loan and not the truck loan. I then called back on XX/XX/XXXX to let them know the payment was applied to the wrong long. They had to put in a dispute for me that takes up to XXXX business days to move it from my RV loan to the truck loan. On XX/XX/XXXX I called back cause the funds were moved from my RV loan to my credit card. They told me they would have to put in another dispute to have this moved from my credit card to my truck loan. That was supposed to be done on XX/XX/XXXX. I have called in multiple times as of today XX/XX/XXXX nothing has been done to have this fixed an applied to my vehicle loan. This is effecting my credit as well.
Consumer complaint received 2020-03-04
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: CITIBANK, N.A. (NE)

On XX/XX/XXXX I received a letter from Citibank dated XX/XX/XXXX that the dispute about the charges made on the card was closed and the charges totaling {$14000.00} will be rebilled to my account. Here is the copy of the letter I sent to Citibank on XX/XX/XXXX by certified mail. 

Citibank N.A. 
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX RE : Citi Card Account : xxxx To Whom It May Concern : I am writing to request you to reopen the investigation into my dispute with my AAdvantage Citicard Account Ending xxxx. 
I state that I have not provided the merchant with my account information and that my credit card information was fraudulently used at the merchant ( XXXX XXXX ) location in XXXX, South Carolina. 
This is a case of identity theft that has been perpetrated by individuals with the intent of stealing from the merchant using my identity. I am not responsible for these charges by criminals using my identity. 
As you will note from my record and profile with Citibank, I reside at XXXX, Nebraska and have lived at my current residence since XX/XX/XXXX. I am an employee of XXXX XXXX XXXX in XXXX. 
I was in XXXX, XXXX  XX/XX/XXXX on the day of the fraudulent transactions using my identity. I have not been a member of XXXX XXXX for several years, since XXXX. 
On XX/XX/XXXX my XXXX phone was fraudulently ported to another carrier which I reported to XXXX immediately on the night of XX/XX/XXXX. 
I was assigned a temporary phone number by XXXX, which was also fraudulently ported and XXXX issued another temporary number. It was several days before I received my original number xxxx after placing a porting freeze. 
I then received a letter from Citibank regarding the fraudulent transactions using ID theft at the merchant. I called Citibank immediately after receiving this letter and reported that I had not made these transactions. 
A dispute investigation was opened and Citibank issued a replacement card ending xxxx in place of card ending xxxx. 
Records will indicate that I have not used this card for several months. 
My credit score is above 800 as reported by three consumer reporting agencies. 
Please reopen this dispute investigation into this fraudulent use of my identity for criminal activity at the merchant. I will be happy to provide any information that would assist with this investigation.
Consumer complaint received 2020-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

I am on an in-school deferment currently, with a portfolio of unsubsidized loans, and I called my loan servicer Nelnet recently to make a payment on my interest, intending to pay that on a monthly basis in order to offset the amount that will be capitalized at the end of my deferral. The guy I talked to was adamant that it would be a waste of my money to pay the interest because he said the moment before it capitalizes when I finish school and end the in-school deferment, the federal government will pay that interest amount. I told him I have an unsubsidized loan, and he said it didn't matter, that the interest accrued while I'm in school would get paid, in the servicer 's words, " just before it capitalizes. '' It is my understanding that the interest on subsidized loans will be paid by XXXX, but not that on unsubsidized loans. He is either ignorant of that, or intentionally misleading me. I think it is also important to state that this individual was extremely rude and patronizing throughout our conversation, and simply refused to be helpful.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

On XX/XX/2021 I paid my loan with USAA in full. I waited 7 to 10 days for it to show on my credit report. It had not, so I filed a dispute with XXXX  and XXXX. USAA came back saying the credit report was correct and dispute was not valid. So I waited a few days and submitted another dispute with XXXX, once again the same response from USAA. So I filed yet another dispute and attached the document below, which is from USAA clearly stating the account is paid in full. They once again come back on the XXXX of XX/XX/2021 stating the dispute is invalid, account is open and balance is correct. I have made numerous calls to both XXXX  and USAA and have gotten the run around over and over again.
Consumer complaint received 2020-01-08
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)

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, XXXX, and Transunion. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Consumer complaint received 2020-01-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NC)

I deposited {$50000.00} from my personal checking account to my AMEX personal savings account. Although the funds have been verified, withdrawn, and received by AMEX, I do not have access to the funds and AMEX can not explain why the funds are in limbo. I understand delays in available funds for transaction verification purposes, but this is much different. The funds have been verified and the transaction is complete. This equates to fraudulent activity on behalf of AMEX.
Consumer complaint received 2020-01-02
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. (OH)

The information is inaccurate for my credit card accounts, my name and address are incorrect and accounts reporting inaccurate information. 
Name unknown XXXX XXXX Addresses unknown XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXXXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX Unknown numbers XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts on reports are reporting inaccurate payment history I would like them to be reviewed I was making payments on time.
Consumer complaint received 2021-07-28
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 — Investigation took more than 30 days
Company: Westlake Services, LLC (TX)

XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments
Consumer complaint received 2020-03-04
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. (CA)

please remove fraudulent accounts XXXX  XXXX opened : XX/XX/XXXX dept of education/XXXX  opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian is only company reporting this error
Consumer complaint received 2023-03-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

I'm XXXX XXXX XXXX and XXXX college ( XXXX ) in XXXX with student loans. I needed to take out loans to attend XXXX school a few years later and consolidated my XXXX and graduate loans. I have never defaulted on my loans although I did choose to put them in forbearance for awhile due to financial hardship. After years of working, my take home salary is finally at $ XXXX, which isn't even that much, especially for very expensive California. This means my tax rate has increased as well. It doesn't seem like any forgiveness programs apply to me and there's no chance my loans will be forgiven b/c they are held by a private company. I have a daughter with my ex husband and b/c of his financial situation, I pay for all of our daughter 's activities. I currently pay $ XXXX and at this rate, will be paying for another 6 years. 

I meet the qualifications for being a highly qualified teacher but I don't work at a school. I work as a XXXX XXXX in a low income area of northern California. 

I am asking for my loans to be forgiven. I have been paying them off for the past 27 years and still have 6 more years to go. 

Thank you so much for considering. I have paid more than my fair share of my loans and want to move on with my financial life. My loans are preventing this.
Consumer complaint received 2023-05-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AR)

Currently have a mortgage with Mr. Cooper. Since being with this company we have been scammed out of hundreds of dollars. Examples include : putting their own insurance on our home meanwhile we have mortgage insurance. We paid up our escrow account but was told our payments are going up. They pay our home insurance from the escrow account, but the insurance company has not received a dime and is threatening to close out our home insurance. We pay XXXX faithfully every month and on time, but was told our escrow account is in the negative and when disputing this claim no one has any answers. I want to be moved to another mortgage company because this one is practicing fraudulent practices. Why am I paying two separate insurances on my home and why is my mortgage going up and our escrow account is current. Also this insurance we pay to them isnt listed on any billing documents
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXXXXXX XXXX # XXXX. I have NOT had this account.
Consumer complaint received 2020-01-08
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. (PA)

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Consumer complaint received 2020-01-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

The inspector said he found damages to the vehicles that were not true. they were charging me over {$500.00} for normal wear and tear of this vehicle. I declined making the payment for something that was normal wear and tear, Infiniti sent the account to a collection agency which I declined to make a full payment, we agreed on a settlement and I made the payment and infiniti put a late payment on my credit report.
Consumer complaint received 2020-03-04
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. (MO)

Transunion reported Supplemental Public Records and Residential Information as well as Supplemental Consumer Credit Information to XXXX XXXX XXXX on XX/XX/2020. I have no account and no current or recent dealings with that company and I want to know why they are asking for and being given this information.
Consumer complaint received 2020-01-08
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)

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XX/XX/2018 on this account with XXXX XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Consumer complaint received 2024-01-18
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: Fidelity National Information Services, Inc. (FNIS) (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXXXXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2022-12-26
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)

The account in dispute is being unlawfully being reported and is being reported in violation of Section 604 ( 15 U.S.C. 1681b ).
Consumer complaint received 2022-12-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (MN)

I have spent many hours trying to solve this problem and no XXXX at US Bank would help me re : an XXXX Acct. back in XXXX in our name : XXXX XXXX XXXX and XXXX XXXX XXXX. We have been customers of US bank for XXXX years in XXXX XXXX and we have never experienced this kind of poor customer service. XXXX Bank agents at US Bank tried to help us but then gave up. We have been given several different departments to help us but no XXXX  can figure out how to do an XXXX # XXXX corrective form to a lien that US Bank did not file properly. 

The XXXX representative XXXX has also spent many hrs. trying to help me get this problem solved. We having been working on it for the over XXXX weeks and he has faxed the request XXXX  times for a XXXX # XXXX form to be filled out by US Bank to let him know that this equity line was paid off and satisfied so he can release our escrow money of {$150000.00} that was taken out of the proceeds on the sale of our home on XXXX XXXX, XXXX. 

We need help to get USBank to fill out & file the proper form so that we can get the money back from an escrow fund that the title co. has been holding for over XXXX weeks. 

XXXX and XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I called Capital One to update some personal information. Can I legally change my name in a XXXX, California court I sent them all my documents, a copy of my license, phone through the mail and do the Internet, since then, I havent gotten my cards Ive called them They stop my card even though I paid my bill every month. They say they cant verify my documents so I told him I cant verify my payment. I always paid both of my credit card accounts to Capital One. All I want to do is start my cards again get the right card name on my card info. And use Capital One. For some reason, their fraud department is giving me a hard time even though I gave them all the documents I have tried this three times please help.