davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: American Coradius International LLC (TN)

ACI stated that i will be served with a subpoena to court for XXXX charges of desceptive use of a check, and fraud if i did not pay my debt off in XXXX payment. My balance was not the same as my original loan amount and after a year of on time payments and i restarted another 6 months to pay it off. ACI stated those payments do n't count toward the balance, and i owe XXXX more than my original amount borrowed. How does this work.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. ) Credit Reporting 2. ) The way the Car Loan company handled this 3. ) The vehicle financed was totaled. The insurance company didn't pay it all off so I paid what I could on it except for {$500.00}. the finance site said I didn't need to make a payment until XX/XX/XXXX. I knew I could pay something every pay check and then I was getting a lump sum payment at the end of the XXXX XXXXbeginning of XX/XX/XXXX and would be able to pay it off. The company called me and I explained the situation to them and that I would make a payment every pay check but could not do more that {$20.00}. I told them I would pay it off at the end of XXXX or the beginning off XXXX. As promised, I went onto my account to pay it off ( XX/XX/XXXX ) and could not get in. I called them and they told me it had been sent to collections. I had not missed a payment the whole time and I always paid on time. I resent the fact that the little guy who is honest always " gets it '' while real criminals get away with everything. My credit score dropped quite a bit. I worked hard to keep my credit score good and now there is a " write off '' account showing on it. This was jus unethical what they did. I did what I said I would do. Since the payment was made AS I PROMISED I feel they should have not sent this to collections. I need this to be made right. Had another agency look into this and when they did I received paperwork from XXXX XXXX saying they are not responsible for how things are reported on credit. You know that is not true as they would of had to tell the credit bureau it was a right off for the credit bureau to have been able to put that kind of information on your credit report. It has also affected my son 's credit we were trying to build as I co-signed this for him. I wish I could be more specific but I spent 4 months without a vehicle and 4 months fighting an insurance company to pay - at that point I was very, very frustrated.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

Requested debt validation from collector. They have not made any attempts to validate date and under the Fair Credit Reporting Act it states that collectors have 30 days to validate date after the request have been made and if debt can not be validated they are to remove from credit report. Fair Credit Reporting Act Also states that collectors have to stop collection acts until debt is validated. Collector has not send validation nor stopped attempting to collect debt
Consumer complaint received 2019-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

My student loans are w/Nelnet transferred from XXXX XXXX, XXXX XXXX leader stated XXXX XXXX stated base interest rates were 6.8 %, majority of my loans were 3.+ %. I have applied for a XXXX Loan Forgiveness but they are asking for documents I have already submitted. This has been going on since XX/XX/2019. One young man told me their processing time is so long because they are short handed. They also payments should be {$73.00} and not {$95.00}. XXXX made up a story that I paid an overage which could have occurred when XXXX XXXX had my Loan. Nelnet is making up lies and will not put their explanations in writing
Consumer complaint received 2019-03-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (WV)

Today XX/XX/2019, XXXX XXXX XXXX ( XXXX XXXX XXXX ) left me a voicemail that I qualified for a {$8000.00} loan with 10 % APR, for 36 months with a $ XXXX monthly payment. That wasnt bad. I called back and the representative asked for my social security number in order to confirm my application which I did give him. He asked for my bank routing number since it was going to be a direct deposit loan. I actually did give him that. Then, he said that he would need my bank account login information ( username and password ) in order to get into my account. I was polite in refusing to yield to his request. He became rude and the tone of his voice increased, threatening that he wont give me the loan and I shouldnt call him back. Well, maam, {$8000.00} is a lot of money and I cant deposit it into your account without logging into your bank account, he said. I told him again politely that my login information should be my private thing. He told me not to call him again until Im ready to give him the information he needs. Call back tomorrow when you really need the money, he said and then ended the call. I was shocked and wondered how unprofessional this company was and decided to call again in order to ask if there were other options for me to get the loan. He picked up and said maam, if youre not ready to give me the login information, dont call this number again. He did hang up again for the second time. Few minutes later, I decided to call again and the company refused to answer. I called two more times. No answer. I came to a conclusion that XXXX XXXX XXXX is either a scam or it has a horrible customer service. Im still shocked. Also, this business is not same as PROSPER MARKETPLACE INC ( XXXX XXXX XXXX ) because I called PROSPER MARKETPLACE INC and was able to confirm the differences.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I just received a letter in the mail that my credit limit has been decreased from {$2600.00} to {$250.00}, this is really surprising. 

I have used your card so many times and have always paid on time, why you decreased my credit limit by {$2200.00}. 

This doesnt make no sense. 

All the reasons you have provided in your letter are baseless and doesn't make any sense. 

All my credit cards are paid off and my credit score is good right now.
Consumer complaint received 2019-07-08
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: Experian Information Solutions Inc. (UT)

I HAVE BEEN FIGHTING THIS ACCOUNT SINCE LAST YEAR AND THEY HAVE INNACURATE UNVERIFIED INFORMATION REPORTING TO ALL 3 COMPANIES I HAVE ASKED THEM TO DELETE AND INSTEAD THEY JUST KEEP UPDATING WHEN INFORMATION IS COMPLETELY WRONG. ON XXXX IT SAYS LAST PAYMENT WAS IN XX/XX/2016 BUT YET EXPERIAN SAYS NO GOOD PAYMENTS AND XXXX DOESNT EVEN HAVE ANYTHING. I ASKED THEM TO DELETE THIS ACCOUNT AND INSTEAD THEY JUST KEEP REAGING WITH DIFFERENT INFORMATION. THIS IS WRONG AND INNACURATE AND NEEDS TO BE DELETED. I HAVE ATTACHED PICTURES TO SHOW YOU WHAT THEY KEEP DOING.
Consumer complaint received 2022-12-14
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. (AL)

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

Receiving up to five calls a day. Applying payments only to interest for several years, then transferred account to collections department, when I complained about that. Harassing conversations with branch until account transferred. Transferred account without notifying me first and changed account number.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America opened an account online without verifying who was opening the account... it was opened using my middle name and previous last name. When I attempted to call after receiving an email alert, I couldn't get through bc I didn't have an account number and their automated system kept hanging up on me. When I did reach them, they've hung up on me several times and refused to explain how they allowed an account to be opened under a name that didn't match the current check systems and credit bureaus reports nor would they explain how they opened an account without identifying the account opener ... additionally they still have not provided any documentation stating the account has been closed or given me any information that a case has been opened. 

I don't know if other accounts were opened in my name before I was able to get my credit reports frozen and I still don't know if my general email was hacked or if it was my social security number since no inquiries hit my credit reports on the day of the account opening.
Consumer complaint received 2022-12-14
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: FC HoldCo LLC (PA)

Did not give written permission to Flagship Credit Acceptance to obtain my XXXX credit report on XXXX. I did not apply for credit or authorize Flagship Credit Acceptance to obtain my XXXX credit report.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

Once again, Experian and XXXX are reporting, false information. 

The last payment date, is now over XXXX years and shouldnt be on credit report. I have asked for a contract from the creditor, it's been exactly XXXX days and no response by mail.
Consumer complaint received 2018-06-26
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: EQUIFAX, INC. (TX)

To whom it may concern, I sent a multiple inquiry removal to Equifax on XX/XX/2018 as well as called Equifax on 2 separate occasions XX/XX/18 and XX/XX/18 in order to dispute information, in regards to several inquiries that were reporting on my credit report. After I spoke with a representative on XX/XX/2018, she stated the inquiries would be deleted due to being unauthorized. I received notification the next business day on XX/XX/2018 that the investigation was completed ( after only 1 business day ). I again called on XX/XX/18 and was given a confirmation number. I called immediately after to check the status using the confirmation provided and was told the investigation was completed. This was within 5 minutes of the call!!! The request included 12 hard inquiries that were not factual and I received the same response for ALL inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor ''. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that ANY information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. How are they factual when I have contacted the creditors as well and they have no account. Furthermore, they have no knowledge of me doing business with them. The fact that I received a response 1 business day after 1 call, and 5 minutes of another call, one can assume that no investigation was done into the matter. Please remove these inquiries from my credit report. I have no knowledge of them, I did not sign anything, nor do I have any accounts attached to them. I'm planning to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble which is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of the consumer.

Delete the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   )
Consumer complaint received 2023-03-21
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. (PA)

In accordance to the fair credit reporting act .the list of accounts below has violated my federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : also sticks, a consumer reporting agency can not furnace an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antedate the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (VA)

I purchased two items from amazon.com store-card via Synchrony Bank and returned the items for a refund per their agreement to the terms. 

I submitted the receipt and the items via their return label. The items were charged to my credit account. I sent the receipt that the items were returned and though they " continue '' to state they would refund my purchases since XX/XX/2019 they have refuse to respond and reimburse my account. 

On page 2 of 3 I have highlighted the charges that cleared, their return receipt via USPS with tracking numbers ( verifying they were returned ), per their instructions. To date they have completely avoided my calls, email and requests for refund on three separate occasions. 

Charges was for {$29.00} for one item and {$63.00} for the other. I am requesting they reimburse my amazon account immediately.
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MA)

My mortgage was transferred from XXXX XXXX to Mr. Cooper. I received paperwork about the process however, have been unable to reach their customer service department to ask questions about my mortgage. I have tried over a dozen time over the past month! 
The number provided for customer service is XXXX however, there is NO option to speak with a customer service representative. This process was done among the companies as a business decision by XXXX XXXX not by me, the consumer. I expect to be able to speak with a customer service representative about my most important financial obligation. I do not think that is a lot to ask. Please help! I want to make sure they have my insurance being deducted and that my payments will be deducted bi-monthly like they were with XXXX XXXX. Thank you!
Consumer complaint received 2022-12-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other account that need to be UPDATED. The XXXX and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-03-21
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$14000.00}
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX XXXX contacted my husband whom I was not married to at the time that I had the credit card. I have paid this debt and it is over 10 years old. I have repeatedly told them this over an over. They are threatening me to come to my job and they are verbally abusive on the phone. 
I have told them over and over that this was taken care of years ago and now they are harassing my husband who I've only been married to for less then a year. They repeatedly call and make accusations. 
I am tired of trying to be nice with rude, disrespectful, XXXX ppl who yell and cuss at me. 
Please stop call me I have told them if they think its mine to send it to me in the mail but to not call me anymore. Yet, they call from multiple numbers and it's the same thing over and over.
Consumer complaint received 2019-09-23
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. (VA)

When I applied for a car loan I was denied because my credit came back bad. When I looked m my credit report I saw several things that were not mine and should have never been on my credit : XXXX XXXX. XXXX. 
XXXX 'S XXXX XXXX. XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. 
XXXX. XXXX. XXXX XXXX CR XXXX. XXXX XXXX. XXXX XXXX. XXXX 'XXXX XXXX XXXX XXXX. I was instructed to contact the police department locally and FTC, and I've done both.