davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Filed ins claim and repairs were made out of my pocket. On XXXX final inspection completed but not updated until XX/XX/XXXX in lakeviews 's system. On XX/XX/XXXX I was promised a supervisor because of the delay, noone ever called me on XX/XX/XXXX I called again and promised a supervisor call, noone ever called me. My insurance check still has not been released. The claim website never gets updated. Today is the XXXX and still no supervisor call or check released They are holding on to my funds.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (TN)

Fortiva XXXX XXXX charged me on XXXX for XXXX I called them and they said I would have to wait to get letter. I tried to fax to the number on the dispute form XXXX and then on my statement XXXX. 

I called on XXXX and asked to speak to the XXXX, ga office and was transferred to what i thought was XXXX but was an off shore call center. I told that lady that I have mailed my dispute in on XXXX called 7 days later to confirm. They insisted i didn't send it in I then told them about their fax numbers and they advised i did know how to fax but yet I run an Insurance office for over 15 years. 

Then I was transferred to another dept and a lady named XXXX with Id # XXXX answered and all the sudden they found my written dispute today XXXX I have done every step they have asked me to do including going to the XXXX store i shop at and to get the manage on the phone with them to confirm if the transaction took place and the manager confirmed they have no record. 

I believe that they have charged someone else 's transaction to me and they dont want to admit it.
Consumer complaint received 2020-12-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card someone used to originate this consumer credit transaction below. They should all be removed from my consumer report pursuant 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transaction from my credit report immediately as they are a violation of my right as a federally protected consumer under title 15 chapter 41. 

My information was also affected my XXXX data breach.
Consumer complaint received 2020-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Despite submitting documentation ( providing proof ) this collection which does not belong to me remains only on Transunion. Its never appeared on any other bureaus report. Transunion, refuses to operate under the policies set forth by the FCRA
Consumer complaint received 2021-06-30
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. (CA)

According to 15 usc 1692, I am the consumer and I am not obligated to any alleged debt. The furnisher can not validate debt with out my consent according to 15 usc 1692j. In your investigation you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 usc 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to removed All accounts from my consumer report. I did not give you written consent to report on my consumer report according to 15 usc1681 ( b ) ( a ) ( 2 ).
Consumer complaint received 2020-12-27
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: EOS Holdings, Inc. (HI)

On XX/XX/2020, EOS CCA add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA EOS CCA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-06-30
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I experienced a sudden drop in my credit scores. I requested a copy of my credit report and discovered negative remarks that were added on XX/XX/2021. The account with the negative remarks is an old closed account and has inconsistencies with all 3 bureaus. I submitted a dispute letter to investigate. A letter was sent back stating that the investigation was complete and verified as accurate, however, information unrelated to your dispute has been updated. I sent another letter requesting information on who was contacted, the method of verification etc, and was sent a second letter ( from XXXX  as well as Trans Union ) with the very same, verified as accurate, however, information unrelated to your dispute has been updated. I have sent yet a 3rd letter certified with a return receipt requesting the same information via XXXX. My information has also been compromised and there are incorrect phone numbers and addresses listed. I am taking steps towards correcting this as well. All 3 bureaus have inconsistent information on this same account.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

Please review summary of facts letter Exhibit A and also please review American Express online chat messages from XX/XX/XXXX through XXXX XXXX today. After reviewing American Express billing rights statements Exhibit B closing date XX/XX/XXXX it is obvious clear that American Express customer care services and the online chat messages are in violation of that same your billing right statements. Stating while we investigate whether or not there has been an error, we can not collect the amount in question which in this case is the total balance of {$24000.00}. They aggressively tried and continuously to ask for the minimum payment to be paid which is {$2800.00} this is also included in the dispute question and is being investigated. They even try to offer me a payment plan on the disputed balance, as you can review in the online chat. Not once did American Express ask me my concerns about the disputed balance only talk about how Im going to pay or make a payment.
Consumer complaint received 2020-12-27
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: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

On XX/XX/2020, GUARDIAN CAPITAL MAN add a derogatory mark on my credit reports. GUARDIAN CAPITAL MAN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

XX/XX/2020 I made a purchase for {$520.00} on my Citi double cash card. The item I received from the purchase was faulty/incorrect so I sent it back ( within the company 's ) return policy. The company never refused me so I made a chargeback dispute on my credit card. Citi gave me an initial credit, but then decided in the end that I shouldn't get my credit and reversed it. I don't know how they could side with the merchant in my dispute. It was very obvious I had returned my item and hadn't gotten a refund. I had tracking that proved I returned my item. Citi didn't side with me in my chargeback and now I'm out {$520.00}.
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

Same XXXX that happened two years ago. Please refer to my 2022 cases ( XXXX ; XXXX ; XXXX ; XXXX ; others ). It took an inordinate amount of time to discuss the issue with Nelnet to no avail that I am not going through that process again. I am going directly to filing a complaint. That's how it was fixed last time. 

Very simple, the issue is ( like 2 years ago ), that I get nonsense letters in the mail that I am close to {$2000.00} behind when I am actually paid ahead. Their own monthly statements show that ( except this last one ) ; my electronic files show I am paid ahead. 

In closing, I am paid ahead but these people can't get their s & ^ % together. It is the same thing as last time.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is an account on my Transunion credit report with a installment about called XXXX # XXXX. I submitted a fraud affidavit and a 30 demand to comply. The item was not deleted nor did I hear from Transunion. I need this item deleted.
Consumer complaint received 2020-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

Over {$1900.00} USA DOLLARS XX/XX/XXXX the company is PayPal I recently was selling my used stuff online on XXXX  and when i sold a couple of items PayPal sent a email saying i needed to send in documents like my ID and stuff and i did that and also spoke to someone on the phone and she told me my account was still good but woke up to my account being permanently limited and cant seems to contact anyone
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

I have several delinquent accounts being reported on my credit report. I have full XXXX coverage, I don't even recall going to the doctor as much. I notified XXXX, XXXX, and XXXX, all XXXX insurers told me that no bills were ever submitted. I never received any bills either. If I were my insurance company would have paid them in full. If you look at one agency they removed a dispute I filled out, but left the rest. I want all negative accounts removed immediately. They can contact my insurance company as I did, and find out that I owe nothing. XXXX
Consumer complaint received 2020-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I received notification on XX/XX/XXXX my loan balance went up. My loan total was {$77000.00} the start of the pandemic and was deferred by the goverment. However, my balance is now {$79000.00}. Then after reviewing documents sent to me there was one that said I was getting interest because I didn't make payments at the end of 2019. That is totally incorrect, the payments came out of my bank account for XX/XX/2019, XXXX, XXXX and XXXX. How is my loans going up when they are in deferrement by the goverment? I would like detailed account information sent to me via email and mail with the interest rate on what loans. I'm showing that {$10000.00} was added in interest in one month. I also need to know who federally that I need to reach out to regarding my complaint about my student loans to do a review on them as the balance should not be that high. My balance out of school was {$57000.00}. So, interest on my loans is {$22000.00} in 4 years? I would like information on interest on my account and a full accountant.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

Opened XXXX brokerage and checking account shortly after my XXXX birthday ( XX/XX/05 ) account was closed on XX/XX/XXXX with no reason provided after consulting support, all transactions were legitimate, in fact I had filed my tax returns to this account while it was active only to receive a rejected deposit notice from XXXXJPMorgan Chase
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Express Recovery Services, Inc. (UT)

We receive a phone call from this collection company EXPRESS RECOVERY SERVICES Attorney XXXX XXXX XXXX ( who is the attorney for plaintiff ), trying to collect a debt from the University of XXXX  XXXX XXXX, and we try to arranged payments and explaining our situation being XXXX XXXX XXXX  with XXXX, the lady representative was not willing to negotiate and toll us that we needed to pay the full amount right away over the phone and that there was anything to do, adding that not paying will have bad consequences, and the next day we received the lawsuit from the Court ( which even was pre-dated : not having the date of delivery but an upcoming date/day ), the paper was deliver by a man rather than post office and given to our minor son, without requesting an adult. We don't considered it is fairly to sue us, when the financial crisis because of XXXX pandemic is not affecting only us but millions of people. I hope you can review our situation and find a fairly solution.
Consumer complaint received 2024-03-21
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. (OR)

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.

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 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, XXXX XXXX is reporting my payments on my XX/XX/XXXX and XXXX XXXX bills as more than 30 days late. However, this is a result of poor processing by the XXXX XXXX telephone agent. 

Based on my own records, and confirmed by XXXX XXXX, on or about XX/XX/XXXX I called XXXX XXXX to authorize full payment on my account. XXXX XXXX has confirmed this. Accordingly, my XX/XX/XXXX invoice should have been timely paid. 

However, the telephone agent did not fully draw the authorized amount. Because of this, the amounts I paid at the end of XXXX ( received 31 days after XX/XX/XXXX ) were deemed late payment on my XX/XX/XXXX invoice and subsequent payments have been tagged as 30 days late ( because bills I was intending to pay at the time of invoice were then deemed applied to the older bills ). 

I called again this morning when I received my notice that the dispute was not resolved to clarify this error and I was told, again, that they acknowledge I called to make payment but because I did not catch the agent 's error prior to the 30 day mark XXXX XXXX will not take the late payment mark off my account. 

I truly feel this does not accurately reflect anything about my credit history, and it is literally going to cost me money on all future borrowings.
Consumer complaint received 2022-10-27
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)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Navient is now banned form servicing student loans. 
XXXX is out of business. 
Due to the selling of my student loans to different servicers over the years, my payments have reflected little to no reduction in my student loans. 

I'm just paying an endless debt. I have been paying on this loan since 1987. I could have bought a house AND A BRAND NEW CAR, an both would be paid off by now. 

37 years of payments ( not counting COVID forbearance, and a hardship deferment ) and it's still not paid off.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (TX)

I previously sent a demand letter requesting the removal of this Collection Item that does not belong to me. I have documentation from XXXX XXXX XXXX , XXXX and Indigo MasterCard account stating that it was removed. However, they are still reporting it to the credit bureaus. Their firm has failed to send the legally required validation of this Collection Item Number. They have been notified that their actions are detrimental to me and that their firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Their firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Both companies failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Both companies communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I, XXXX XXXX, has suffered and continues to suffer general and specific damages. I am also very upset at their firm 's intentional infliction of emotional distress and at the other diminished quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as within both company 's systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions their firm is having on my life. Including but not limited to harassing text messages, phones calls, and inaccurate reporting. Thank you in advance for your attention to this matter.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 Populus Financial Group , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Checking Promotional Offer Account XXXX Demand Letter To Whom it May Concern : On XX/XX/2021, I applied online for a Porte checking account ( the Account ) offered by Populus Financial Group , Inc. ( Populus ) in response to a promotional offer ( the Offer ) : SET UP DIRECT DEPOSIT TO EARN {$100.00} ( Exhibit A ). I was approved for the Account and I subsequently set up a direct deposit in fulfillment of the terms. 
When the bonus did not post, I reached out via email and was told that the Offer required Card Activation ( Exhibit B ), a condition that was clearly not present in the original terms. 
Therefore, I respectfully demand that Populus pay the bonus of {$100.00}. 
Otherwise, this matter will proceed to arbitration with all costs and fees taxed to Populus. 
Sincerely, XXXX XXXX enc.