davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2019, I made a payment via Western Union to a person in the XXXX. Less than some 14 hours after the transaction, XXXX XXXX called me that my credit Card information was stolen and an attempt to charge about {$2000.00} was made, and asked if I am the one wanted to do such a charge, I told them no, so they say they will not allow to make that charge, and that part was a good thing. 
What my complaint is against Western Union who's system apparently can easily be breached and this is where they stolen my credit card information from, I believe via on Internal Western Union worker very possibly. I ask to investigate. 
The Tracking Number of my Transaction with Western Union was : XXXX Please force Western Union to investigate, to find out exactly how can someone else break into their financial system? 
I thank you,
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (WI)

This writer submitted a request for an investigation and it was a fallow investigation. They did not properly investigate my concern. Instead they submitted an email stating the dispute was final after 3 days. When in fact the creditor sent an email citing their error from inaccurately reporting my payment history. I have a copy of the email. But Experian refuses to re-investigate it.
Consumer complaint received 2018-10-14
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)

In XX/XX/2018 XXXX XXXX XXXX appeared on my credit report for {$81000.00}. This is not my student loan. Equifax refuses to verify the account and send me proof, provide me with a valid phone number or address for this company and they refuse to remove it. If Equifax will not provide me proof that the account is mine or supply me with a valid phone number or contact information ... .how can they hold me liable for this account? I have been told by Equifax employees to XXXX the company. If this complaint doesnt work I am going to hire and attorney and sue Equifax. Not only for this situation but all of the erroneously reporting they have done on my credit that has caused my credit to suffer immensely. This is a violation of my rights and fair credit reporting. They are required by LAW to provide me with proof this account is mine and contact information.
Consumer complaint received 2020-07-28
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: Granite Edvance Corporation (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

PennyMac my current mortgage servicer finally processed my request for mortgage modification. I've been working with XXXX XXXX with Penney Mac with the mortgage company for over a year and they have been difficult to work with and refuse to lower my monthly mortgage. The correspondence with my new modified mortgage payment is XXXX. My previous mortgage payment was {$1300.00}. I was also informed Penney Mac is making a private mortgage insurance claim for the delinquent payments in the amount of $ XXXX.I feel I'm being taken advantage of because you are making a mortgage claim and increasing mortgage my payments. The new payment is more than 31 % of my Gross income. If my payment is based on modification guidelines and my fixed income of {$3000.00} dollars a month, the payment would be {$900.00} monthly including taxes and insurance. I requested this modification because I'm on a fixed income of {$3000.00} and I'm XXXX. I'm also the sole XXXX for my XXXX XXXX father and my son was recently XXXX in a violent crime and was hospitalized for a extended period of time. My son had no health insurance so I'm his XXXX also until he is able to care for himself and I'm having to assist with his medical expenses and medicines. Please Help
Consumer complaint received 2018-05-03
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: ENCORE CAPITAL GROUP INC. (NJ)

I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This XXXX I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts.

HELP!!!!!!!
Consumer complaint received 2022-01-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I mailed in payment and was never processed by XXXX XXXX and they hit my credit, was told it could have been the mail or their error. So I made payment over the phone and they said it would be corrected. Now they are saying it wasnt their error and will not remove it. I should not be penalized for this bank not processing my payment.
Consumer complaint received 2018-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I received a letter from XXXX XXXX, XXXX on or around XX/XX/XXXX. They letter said I owed their client, XXXX, for some sort of service or product. I sent a debt validation letter to Convergent via USPS certified return receipt on XX/XX/XXXX requesting that they validate the debt. They received my letter on XX/XX/XXXX @ XXXX XXXX. I specifically asked that they provide the following : -Proof that they purchased or was assigned the debt by XXXX XXXXCopy of a signed contract proving that this is my debt -Complete billing ledger that outlines how the alledged debt was incurred with dates. 
On XX/XX/XXXX, I received a letter from Convergent stating that they have validated said debt and had attached a copy of an invoice that appears to be from XXXX dated XX/XX/XXXX. 
Convergent has failed to properly validate said debt. What's more troubling is after I looked at what appears to be a XXXX invoice sent by XXXX, I noticed the date. Statute of limitations in Georgia is 6 years. Is Convergent illegally attempting to collect on debts that are past the statute? Are they providing false documentation with the intent to collect money from innocent people who don't owe the debt? How many people have they done this to?
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

i was XXXX in XXXX XXXX and XXXX XXXX in another XXXX. I asked Capital One to send me information in large print. I recently had XXXX XXXX to restore my XXXX in my XXXX XXXX. I used my reward points with XXXX to rent a car. I dented the bumper and now I 'm responsible for the damages because I was n't aware you had to pay for one days rental on the card. XXXX did out a hold on my credit card and charged {$2.00}. XXXX also closed out the contract when I could have extended the rental for one more day and pay for one day of the rental period. XXXX even told me to have them to do this. Now I 'm stuck with a bill because I never was able to read the fine print. I trusted what Capital One told me. I would be covered if I declined the insurance offered by XXXX.
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have contacted Pentagon Federal Credit Union three times to get the claim initiated on my vehicle loans that have protection for debt repayment in the event of illness or injury. When I contacted Pentagon they advised that I will have it provided to me within two business days from a company named XXXX. 

As of XX/XX/2020 I have not received the forms to complete and the claim number. This is required in order to initiate the claim. The company has collected on the injury accident plan from the day I received the loan. 

I am now in urgent need to get this started as this bill should be paid for by the insurance I took out in the event of need. I'm in that position and can get the supporting documentation to the credit union or XXXX  however they prefer to proceed.
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Hello, I am closing a mortgage account with Dovenmuehle Mortgage Inc. My new lender ( HFCU ) requested a pay-off statement on XX/XX/2020 from Dovenmuehle but they didn't get a response. I requested a pay-off statement and obtained it on XX/XX/2020. I did my closing for the refinancing XX/XX/2020, so that the due balance to Dovenmuehle will be paid off and I will work with another provider ( HFCU ). 

Today, the same day I did my refinancing closing, XX/XX/2020, I received a letter from Dovenmuehle mortgage stating that the right to collect payments from me is being transferred to another servicer ( XXXX XXXX ) and that Dovenmuehle won't accept any payments from me after XX/XX/2020. So I have only 4 days to adapt to this change. 

Soon, my new lender will send a pay-off check to Dovenmuehle Mortgage company, but if it is later than XXXX XXXX XXXX Dovenmuehle will not accept the payments, and I will be late for payments unless I continue paying to the new servicer. Dovenmuehle customer service suggests to me continue paying the new servicer and get a refund later.

This is a scam. When I called the new servicer ( XXXX XXXX  ), the automated message starts with " If you are a transferring customer from another provider, enter ... '' This is a set up done by Dovenmuehle Mortgage company to confuse customers and get them to pay double. I am pretty sure XXXX XXXX is a paravane company still controlled by Dovenmuehle. This is insane. This is a scam.
Consumer complaint received 2018-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (SC)

The bank discriminate against me took my name of the mortgage refuse to give me any information about the loan and how i can save the house and trying to forclose on it .they been so hateful to me telling me they do not know me but yet i got a letter from.the lawyer that they are foreclosing on the house and i cant get involved in saving it and told me do what you have to do we do not care i do have the name and the number of the guy that refuse to deal with me And they need to wuit sending buyers to lool aroumd and remodeling compagnies for estimates ome of them destroyed my plumbimg and electric when i m tryimg to get help
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

I applied for an AMERICAN EXPRESS XXXX XXXX XXXX on XX/XX/2021 and was denied. 

Reference number : XXXX I believe i was discriminated against in my application. AMERICAN EXPRESS is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Regulation B protects applicants from discrimination in ANY aspect of a credit transaction. Credit transactions and aspects of credit transactions include : Consumer credit, Business credit, Mortgage loans, Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, and Adverse action. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( ECOA ) which is codified in 15 U.S.C 1691c, and is pursuant to civil liability under 15 U.S.C 1692k. 

I have contacted AMERICAN EXPRESS by phone multiple times and, spoke with agents and supervisors in an attempt to have them reconsider their decision in my credit application without any success. 

AMERICAN EXPRESS is in violation of XXXX U.S.C XXXX, XXXX U.S.C XXXX, and XXXX XXXX XXXX because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. 

I am aware of AMERICAN EXPRESS and their procedures and policies, but they do not XXXX XXXX Laws. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to XXXX U.S.C XXXX and XXXX U.S.C XXXX. ( {$1000.00} per violation )
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I checked my credit reports to find that XXXX XXXX sent my account to collections without notifying me, and reported that my bill was past due as of XX/XX/2018. I never received a bill from them after filing bankruptcy. I AM not aware of the total balance, or a past due date. They would not speak to me about the balance during the bankruptcy, which is the law, but there was no correspondence once the bankruptcy was discharged. How can my account be past due if they never sent a bill? I want it off of my credit report. And I'm fully aware that XXXX, the company with the account now, is not the one that takes it off.
Consumer complaint received 2022-02-17
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. (MO)

Hi I am submitting this XXXX XXXX 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. my fico has me XXXX XXXX XXXX XXXX XXXXver XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico 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 XXXX XXXX XXXX XXXX XXXX XXXXs 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 XXXX 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 XXXX 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 XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

The Original account was with XXXX XXXX and I was paying until I lost my job XXXX XXXX XXXX XXXX. My account came in arrears and some months or years later I was reached out through XXXX XXXX internal collection department and myself and the woman made an arrangement to pay XXXX a month. The balance then was {$600.00} with late fews and no payments made. I did that and did my full term of months to pay it off for them to waive the other {$300.00} or so and close my account as paid in Full. That didn't happen, once I paid my portion off they kept {$100.00} stating I need to pay it off. I didn't pay because I did my portion as agreed The account was opened XXXX, it's over 6 years and Midland Credit bought it and trying to collect the Erroneous amount that was sold to them. I'm unsure if they are even Licensed to collect in my state, they haven't Validated the debt of when it was opened and last pay amount made at all. Now my account has been flagged, I never spoke with them to provide ownership of the account at all and definitely didn't give them permission to my account for collection. It's a violation of this practice and I want them to Validate the amount with dates and proof of collection inky state.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

I have been fighting with XXXX to remove the student loans from my credit as I have never been in default status for them to report to the Credit Bureau due to my low income for the past 25 years. I was always on Forbearance or Forgiveness program and have never, ever made a payment due to my income, therefor never reaching a default status for XXXX to report delinquent or any missed payments. I have written requests and complaints over the past ten years, only to be ignored. I am physically XXXX as of XX/XX/XXXX. I have repeatedly submitted VA Notice of Reward letter and well as the required, completed application signed by both myself and my Physician, yet Nelnet continues to document that information is missing, every other time that I call to check my status. I have spoken with several representative since XXXX of XXXX. Some of the representative informed me that all documents were indeed signed and completed as requested and that I merely had to wait the 120 day wait period for them to make a determination to resolve my accounts and have them removed from my Credit report. I feel as though I am being taken advantage of due to my XXXX, that NELNET and XXXX continue to ignore the proven facts and/or deliberately falsely stating that information is missing when they have had several completed applications in the past three years. I was advised by a legal representative to first file a formal complaint once a again, but submit a complaint to the Bureau of Consumer finance. I am requesting that NELNET and XXXX use the completed forms that I have continuously resubmitted. Which as I mentioned should have never been reported to the credit bureau as default or any negative reflection. Documentation available with NELNET and XXXX but can be proven by dates signed as per my doctors.
Consumer complaint received 2022-02-17
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)

Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to TransUnion Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance $ {$2500.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$28000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$790.00}
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA. The accounts are XXXX Bank, XXXX Bank, XXXX XXXX Bank and XXXX XXXX XXXX. All accounts have been removed and reappeared at least twice!
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was scammed on XXXX. 
I put up a dog kennel on XXXX for {$250.00}. A scammer answered the ad and told me that he would give me {$300.00}, but he would have to wait a couple of days for the payment. A cashier 's check for {$1900.00} was sent to me, with instruction to deposit it, and send back via XXXX. I sent {$1600.00} via XXXX to him. This started on XX/XX/XXXX, and the check was deposited on XX/XX/XXXX. On XX/XX/XXXX, the bank notified me that the check is no good. I do have the kennel, but is out the difference. 

I reported this story with the XXXX 's policeman and Bank of America XXXX Fraud department ) on XX/XX/XXXX. On XX/XX/XXXX, the bank notified me via letter that the bank can't help me to get money back from scammer. The bank recommends me to contact the scammer directly to send back my money.