davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RSVP Lending, LLC dba RSVP Loans (DE)

The original creditors were predatory loans that I took out for a family member. I was contacted by XXXX several times and requested a debt verification letter. The letter was never sent. The representatives contacted me on my home, work, and mobile phone many times per week. After much pressure, I pulled my own credit and saw one account that I recognized and agreed to a payment arrangement for that account. While paying off this account, the representative told me that XXXX had another collection account that I needed to set up payment arrangements for. The representative assured me that as long as I made regular payments, the second account would not be reported. I paid BOTH accounts in full only to find out that the date of first delinquency had been reset to the date I actually paid them off ( XXXX 2018 XXXX. I sent e-mail messages and sent letters through the XXXX Postal service and XXXX has not responded. I called and spoke to a representative who told me there was nothing she could do. When I asked her to escalate my case she said that they do not have an escalation process. I disputed the information through all three credit bureaus and XXXX has confirmed and updated the accounts with inaccurate information.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

Through Cash App, a friend paid me money he owed me : {$120.00}. I transferred the money in error to a closed Debit card with XXXX XXXX  whom I still bank with. I contacted XXXX to verify the transfer and they said it would be returned to my account at Cash App. To my knowledge that has never occurred. Despite multiple contacts, all they have done is closed my complaint and kept my money. They did respond to emails with simply, They will investigate but there is nothing they can do and then they close the complaint.
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Equitable Acceptance Corp (NC)

-XXXX XXXX and I signed the submitted Financing Agreement for 48 Months on XX/XX/XXXX. After a brief correspondence I knew all dealings concerning the arrangement would be dealt with by Equitable Acceptance. 
- At no other time was I contacted by XXXX XXXX, only Equitable Acceptance ( resp. known now as XXXX and EA ), and then by  monthly surface mail. 
-Late XX/XX/XXXX I gave EA notification that I was unemployed at the time due to XXXX and doctor 's notice to take a leave of absence for recovery. I knew at the time that XX/XX/XXXX 's payment had to go through because it was short notice, but asked for a 6-month period of grace on further payments. 
-First, I received a repetitive response of staying committed to making the payments, regardless of my ongoing status, then I was put on hold for close to an hour waiting for a " supervisor '' to give me a response of any kind. 
-Finally I was assured that the company will not withdraw from my account until XX/XX/XXXX, at which time I would correspond with them and inform them of my current status. 
-Funds have been withdrawn from my account since XX/XX/XXXX to the tune of {$270.00} ( {$39.00} a month ). I had contacted my financial institution ( XXXX XXXX XXXX ) to put a stoploss on the acct, but was informed they were unable to do so because banking information on the company 's end was not accessible. 
-Since then, I received correspondence by mail as well as by telephone from XXXX XXXX. Their claim was to file with them for recertification, a process which I was not aware of nor considered how important it was concerning my loan status. 
-It was at this point I was looking for a way to cancel this entire process. Not until I had received correspondence from XXXX concerning payment due did I come to realize all of my correspondence and transactions were with a company of reputable or credible standards.
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

Requested detailed information for this debt did not receive they are reporting SW Credit Systems Then I guess sold to XXXX XXXX or vice versa They are both reporting the same amount but unable to get any information of exact details of the debt.
Consumer complaint received 2019-02-01
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. (CA)

In XX/XX/XXXX we went through a mortgage modification on the term ONLY with XXXX, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( XXXX/XXXX/Transunion ), an original loan amount of {$340000.00}. As of XX/XX/XXXX XXXX began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with XXXX and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and XXXX XXXX XXXX XXXX both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.
Consumer complaint received 2019-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (UNITED STATES MINOR OUTLYING ISLANDS)

I keep receiving calls from this number morning, noon and night, sometimes after midnight. They never leave a message just repeated continous calls. 
This has been going on for almost 2 years now. 
I blocked the number but the calls goes straight to my voice mail.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (NC)

I am requesting your assistance in the verification of the removal of the disputed data from my credit report I feel that this account are adversely affecting my credit report and costing me thousands of dollars this year. This is not a regular dispute and I have also filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I would like my problem fixed. The process has already done enough damage and I would like this issue fixed at once.I have sent not one but two letters without any proper indication of results. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly Please send an updated credit report as proof that these items have been removed.I also had several unauthorized names and addresses on my credit report that needs to be now. I am hoping you will resolve this matter without the need for unnecessary complaints and litigation. Thank you for your attention to this concern.
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (TN)

XXXX of XXXX our hvac gas system, split unit with a/c went out. We called XXXXXXXX XXXX XXXX XXXX because they had merged with XXXX XXXX XXXX XXXX-who we had previously done business with. It was hot ( XXXX ), the service tech XXXX said our old unit could not be repaired. We did an online ( His work tablet ) application for credit line to replace our now broken unit. We were approved @ higher interest rate than quoted, but it was hot, we had no air. So I signed for my husband who is XXXX. The next day XXXX sends two workers, no electrician, no one to clean existing duct work, no team of workers as promised. They arrived 2 hours late, had the wrong unit, had multiple problems and did only a partial In stall, they got air working, did not complete gas portion, left gas line open, they return the next day, to supposedly finish install everything. Took a look under house, said they would not clean duct work, but another team member would, they left. We expressed issue same day @ install & duct cleaning being incomplete. XXXX would not return our calls or respond until a few weeks later, sent install manager back with salesman/ service rep. Said they would take down inside furnace unit & reinstall, as we requested, said they had to order supplies from XXXX XXXX XXXX XXXX  They never came back to reinstall or address cleaning of duct work. Three months later its now cold outside, we turn on heat, it's only blowing cold air. Contacted XXXX to state that gas heat is not working & if they do not return to fix the issue, as done the past 3 months. We would contact local news to investigate. They returned did reinstall from sideways to front facing, but did not clean ducts, they also damaged our gutter @ outside A/C unit, & left screws and debris near my car damage to tires. We contact XXXX @ latest issues, they sent same sales representative back to apologize & a check for {$1000.00}, saying refund. XXXX never addressed our request to clean duct work which was a part of {$10000.00} contract loan amount, they never addressed our issue with breaker box replacement, nor our insurers request for work order, electrical, fuses, breakers, wiring, proof of codes conformity, etc. We also never received paper copies of loan/contract until we requested those in XX/XX/XXXX. We also contacted Service Finance.three or more times to inform of issues with XXXX. SERVICE FINANCE went ahead and funded the loan/paying XXXX  in spite of our complaints of incomplete & unsatisfactory work, creating Consumer Finance Bad confidence loan. We had to begin repaying loan XX/XX/XXXX, without Service ever verifying that the work was completed-which Service stated they would not do.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-02
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. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.
Consumer complaint received 2022-03-07
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: OneMain Finance Corporation (GA)

I have a hard inquire in my credit from one main financial that I did not authorize. I did authorize one on a previous day, but not on XX/XX/2021 XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NY)

XXXX I got a text message that I owed on a debt collection that I have been paying on. They told me that I missed XXXX payments on XXXX, XXXX, XXXX XXXX XXXX. This is the XXXX  I have heard of it. I got a letter in XXXX XXXX XXXX that said if I didnt make a payment by this date my agreement would be turned off. I made a payment thinking I forget and havent heard anything since. Today I get a text message saying that I need to back the XXXX months. Why did they wait XXXX  months to tell me I missed payments? I thought it was taken care of.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a XXXX  Senior Citizen on fixed income Social Security XXXX   Benefits. I have been using the Credit Monitoring System of " XXXX XXXX   '', for 8-9 months now, and am very pleased with the accuracy that seems to surpass Transunion 's Reporting System. I am also an avid advocate against Preditory, Coercive, and Compellant Strategies used by banks and credit unions behind the scenes that Consumers are not aware of, due to adverse transaction clearing behind the scenes on Bank Credit Cards.

I recently filed complaints against XXXX XXXX XXXX 's XXXX  Card for NOT using electronic clearing methods that cause the Consumer to have a blind spot regarding their balance, in the amount of ONE FULL MONTH, due to the use of SNAIL MAIL, instead of electronic clearing methods of same day or next day clearance. 

I come before you today to report that Transunion Credit Reporting System not only falls behind the accuracy guidelines, but also tends to act IMMEDIATELY on what they feel is adverse information, before the account has time to automatically resolve itself due to a BANK SYSTEM ERROR, in favor of the CONSUMER. 
It is my opinion that this is unfair to anyone who does not have the Financial Training from XXXX XXXX that I do ... and I am finding that I am having to call Transunion once a month, to correct their information ( which can not be done unless it is a DISPUTE. ) A BANKING ERROR CAN NOT BE DISPUTED, as I found out today-and the incorrect information can not be changed or disputed. 

My suggestion to resolve this problem in the Transunion Reporting System is to prevent the credit unions from OVERREACTING to what appears to be adverse, but instead is an error in favor of the CONSUMER. AND, Transunion outsources to INDIA for Customer Service, which makes it even more confusing due to the lack of US Consumer Banking and Fair Credit Reporting Guidelines. 

Most errors will be resolved by the next Treasury Payday that clears on the XXXX  of each month, when it comes to Fixed Income Beneficiaries.

Would it be possible to have a Systems Analysis Check on Transunion Reporting so that it does not seem so hostile and interrupt the Banking Activities regarding Lines of Credit and so forth. 

Thank you for your time and attention to this hot button issue.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MI)

acct. XXXX With this credit card you're supposed to earn something called Fun points that you can use to pay for cruises to get onboard credits for cruises and various other things a few months ago I used some points for a {$50.00} onboard credit on the cruise that I planned on going on it took the reward points out of my account but when I got on the ship the onboard credit wasn't there I argued with the ship but they said it had nothing to do with them the credit card company the reward company has to send it to them there was nothing they could do at that point so I get back home and I messaged the credit card company I got an email back telling me that you sent it to the appropriate Department give it a couple days and I'll get back to me okay I wait a few days nobody gets back to me so I send the email again once again I get the same email they apologize for the delay they're working on it give them just a few more days I did that then today in the mail I get a letter that reads " this letter is in response to your recent inquiry on your XXXX XXXX XXXX account we are currently unable to assist you with your rewards issue '' it's their credit card if they can't help then who can you charge me interest on the card I use the card I make my payments is earned those points
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC. (FL)

{$460.00} total {$210.00} past due Fraudulent dispute Found in my favor then reversed 2 mouths later Account closed XX/XX/XXXX Dispute submitted XX/XX/XXXX Resolved XX/XX/XXXX Reversed XX/XX/XXXX
Consumer complaint received 2022-08-29
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. (PA)

This is XXXX XXXX and XXXX am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$750.00} XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$600.00} MEDICAL XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2023-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

I have a cleaning business and i did a few jobs and sent out invoices for payments from customers snd once they were all payed i went to transfer the funds to my regular checking acount to see that they were not eligible! All of a sudden after using the square account on multiple occasions they decided they couldnt offer services to me any longer, but no explanation was given, i called several times asking for my funds to just be transferred to my connected banking account and have had zero luck what do ever! As well as many many emails and chats online as well. This isnt much money to most poeple but to a single mother of XXXX at XXXX time on top of running my own small business its alot to me and its definitely putting a strain on my success.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (TX)

XXXX XXXX collector has purchased my debt without written consent. has kept harassing me even thought i have paid debt with original creditor and refuses to remove from my credit history. cease and desist has been mailed to them multiple times they have threatened to come take me to jail. to come to my home and " get what they want '' and have kept calling my phone as well as sending unreasonable amounts of mailed items repeatedly
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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