davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (PA)

i am not liable for this debt 1.Account Name : XXXX Account Number:XXXX 2.XXXX XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX Account Number : XXXX 4.Account Name : XXXX XXXX Account Number:XXXX 5.Account Name : XXXX Account Number:XXXX
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conn 's Home Plus has been asked repeatedly not to contact me on my personal cell phone # of XXXX and instead use my e-mail address to communicate with me in regards to my account with them which currently is past due, due to financial hardship caused by the Death of my wife. Conn 's agreed to change my due date to the XX/XX/XXXX of every month instead of the XX/XX/XXXX and also defer the 2 months past due payments to the end of the account and no negative credit reporting on my credit file, both of which they have failed to do. Instead they call non-stop and fail to correct their mistakes that they agreed to.
Consumer complaint received 2022-12-15
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: CLGF Holdco 1, LLC (GA)

In accordance with the fair credit reporting act XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Hi, I am in the process of refinancing the mortgage loan. The mortgage loan officer is not able to pull up a credit report from Experian. My name changed in 2013 and Experian is the only credit union that refuses to change the name. I have filed a dispute with them and called their help desk numbers. They are unable to help and at some point in time they are rude and they cut the call. First in 2013 they refused to change the name saying their system is not allowing them to change my first because it is invalid and this time around they give a reason saying my first name is too short. Understandably Experian doesn't want to give anything in writing I will need this resolved ASAP as I need my mortgage to be processed. Can someone help please?
Consumer complaint received 2020-02-19
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. (SC)

Experian not only breaks the law-605B FCRA, by not blocking fraudulent information after i meet all my obligations. They have not admitted it directly, but they are accusing me of lying. 
They claim to be able to break the law and harm me irreparably, simply because i removed a credit freeze. Experian is not correct, i have letters from the entities saying they agree with me. Experian did not comply with any of the 3 parts of 605B FCRA- A or B or C.

They did not block any info according to A, they did not notify the entities i requested a block or i filed an ID theft report according to B, and they refused to block info and claim 1 of 3 happened according to section C, instead of specifying which happened as the law requires.

To sum it up they just simply break the law and don't follow any parts of the law even there's the law that says they have to follow all 3 parts. They just disregard the entire law section 605B of the FCRA. That is completely wrong and they need to follow the law.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP (FL)

I made an inquiry about any closure fees of my Key Bank Checking account on XX/XX/XXXX. I asked more than 3 times and was not given any straight answers. Sure enough when I get the check there was a fee. I called on XX/XX/XXXX asking about the fee and they said they will pull the call from XXXX to review it. On XX/XX/XXXX a manager called me back to apologize that the fee was erroneously charged and will mail me a check. Today XX/XX/XXXX the check is still not here. I spent another 30minutes with their INCOMPETENT customer service agents and said they will follow up tomorrow.
Consumer complaint received 2020-02-19
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SLM CORPORATION (VA)

On XX/XX/2020, Sallie Mae called my sister, my parents, and my employer to discuss my past due balance. They left voice mails with all three parties and told them I left their contact information with Sallie Mae. THAT IS ABSOLUTLEY INCORRECT. I never gave Sallie Mae permission to call my sister, my parents, or my employer. Let alone share their cell phone numbers. 
I have reached out to Sallie Mae 's customer service several times and asked them NOT to contact any of these individuals. They are not co-signers on any loans I have. Furthermore, calling my employer has jeopardized my job position as an accountant. 
On XX/XX/2020 my employer informed me he has received calls every day for the past 2 weeks from Sallie Mae. He did not want to tell me initially because he felt it was a personal matter I would solve on my own and also save me from embarrassment. He asked Sallie Mae to stop calling him, however, they did not follow his request and he ultimately had to tell me in hopes they would stop the harassing phone calls. He also informed me it gave him " concern about my future '' when he receives calls from creditors. Extremely embarrassing. 
Sallie Mae calls me several times a day every single day. I can not speak to them each time they call. They called me on the morning of Saturday,XX/XX/XXXX. I informed the representative that I can not afford to make the payment right now, and asked if they can lower the payment. They told me I could pay {$50.00} as a " good faith payment '' to keep my account from defaulting and to prevent them from reporting me to the credit bureaus. I asked if the {$50.00} went towards my loan. They said no it does not. I said that makes no sense and I refuse to just give you {$50.00} of my hard-earned money. The caller asked me if I knew how badly this would destroy my credit? I informed her Sallie Mae has already reported me to the credit bureaus and to stop threatening me. 
The same representative called me again this evening Wednesday, XX/XX/2020 to ask me if I can now make a payment. I informed her nothing has changed in the 4 days since she called me, I did not win the lottery and to have a good evening. I hung up. I understand I have a debit and I am working with a third party to solve this. I conveyed this information to Sallie Mae and asked them to stop calling me and my sphere everyday. Once a week is fine but everyday is harassment.
Consumer complaint received 2021-02-17
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: AMERICAN EXPRESS COMPANY (NY)

I applied to the below offer from American express on XX/XX/2020 https : //www.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX it is for a welcome bonus for {$250.00} if you spend a certain threshold. I was approved when i applied and then got to spend all the minimum amount that was requested in the time that was given by the card provider. 

I checked upon the bonus status with American express on a regular basis and was told that I was eligible to the offer and should expect it upon the closing of my statement. 

here is the catch, the disclosures are very wrong. once i completed my portion of the offer, i was told i was not eligible simply because i had been offered the same reward in the past years. 

I was never communicated this information but what is the most troubling is that for the very least it is an abusive practice and it is misguiding to the customer. 

They did not reject my application when i applied to the offer and let me spend all the amount they wanted to get the bonus and then announced that i was not eligible like many FI in this situation, they should have simply rejected my application if I was not eligible, instead of approving and then not accepting to pay the rewards that were promised.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: John C. Heath, Attorney at Law, PLLC (WI)

They are sending me threatening emails for a debt I have no knowledge of. 
They say they will contact my employer and have me sacked. 
Contact the IRS regarding this debt. Ruin my credit and so on See the attached emails
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NM)

Repeated Problem For a MANAGER XXXX XXXX XXXX> XX/XX/XXXX, XXXX XXXX ) to consumer.documents >>> This email is for the EYES and RESPONSE of a Lexis Nexis Manager. Any other use by LexisNexis is STRICTLY PROHIBITED! <<< Dear Ms./Mr.Manager, After using the Electronic Request Form which gave me a Request Failed message twice, and using the POOR Voice " RECOGNITION '' System, I bit the bullet and filed a request with another call to the Voice " Recognition '' System. 

Lexis Nexis responded that my file couldn't be found, this file was supplied to my insurer on XX/XX/XXXX. 

And your company sent me >>> 6 8.5 x 11 mailings<<< giving me the above information. 

( So, as I try again for my report, my Experience with LexisNexis is objectively rated- XXXX, Fouled Up Beyond All ; Reason ) Ms/Sir, I need a copy of the report supplied to my insurer XXXX And a, SIGNED APOLOGY, WITH JOB TITLE for the XXXX XXXX I received! 

. 

A Very UNHAPPY Consumer, XXXX XXXX XXXX. As a point of information any further error in handling this request, will result in Complaints to the Consumer Financial Protection Bureau, LexisNexis CEO- XXXX XXXX XXXX and my Insurers CEO.. 

I THANK YOU for resolving this MESS!!! 

Repeated Problem For a MANAGER [ Incident : XXXX ] 1 message ________________________________________ LexisNexis Consumer Support XXXX Mon, XX/XX/XXXX at XXXX PM Reply-To : LexisNexis Consumer Support XXXX Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. 



-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Response By Email ( XXXX ) ( XX/XX/XXXX XXXX XXXX  ) Dear XXXX XXXX : Thank you for contacting LexisNexis. Your comments and questions are very important to us. 

We apologize for the inconvenience if your recent report request was unsuccessful. The letter you had received is usually being sent if the system could not authenticate one 's information. 

As you were requesting a consumer disclosure ; however, we are able to assist you further. 

You may provide the following information for authentication purposes and so we could process the request on your behalf : Current Address : Mailing Address ( if different from current ) : Prior mailing address if you have been at your current residence less than two years : State of Residence : Date of Birth : Social Security Number : Driver 's License  Number and State of issuance :. 
LexisNexis Consumer Customer By CSS Email ( XXXX XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) *** External email : use caution *** Question Reference # XXXX Date Created : XX/XX/XXXX XXXX XXXX Date Last Updated : XX/XX/XXXX XXXX XXXXXXXX Status : Solved
Consumer complaint received 2020-02-19
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. (MI)

I have submitted my disputes and apparently they were reviewed. However, how its it that Experian 's credit score is VASTLY different than the other 2 credit reporting agencies??? Does Experien feel that it's process it better? I need to know why the score is over 150 points less than both credit agencies when they have the EXACT same information. This appears to be a MAJOR discrepancy.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Company failed to explain and address why there is a final balloon payment in the amount of a final balloon payment on the Interest Bearing Principal Balance of {$45000.00} is due on the Maturity date and how this amount is calculated and derived from. How and where the Other Deferred Amounts total is {$1100.00} stems from and how this amount is derived or based on? Why and how the total remaining principal balance that will be due in a balloon payment at the maturity of my mortgage, will be the total of my Deferred Principal Balance and Other Deferred Amounts and the balloon payment resulting from the extended amortization of my mortgage, which will be {$46000.00}. How this amount is derived and calculated.
Consumer complaint received 2020-02-19
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: CITIBANK, N.A. (CA)

I received a permanent credit and a refund check in XX/XX/2019 from Home Depot/Citi ( see attached files ) and the credit was reversed approximately 7 weeks later. Citi is not complying with the Fair Billing Credit Act regarding disputes and timelines. In addition, they are not following their internal processes/procedures as stated on their webpage for disputes and conditional credits ( see attached documentation ).
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

My car was repossessed by Fifth Third Bank in XX/XX/XXXX. I paid the balance of {$1000.00} which was to cover {$270.00} for the repossession fee, {$270.00} in past due payments, {$200.00} for my XXXX installment payment, and {$90.00} in late fees. I paid the bill in cash to my local branch in XXXX, TN. However, I still received a bill for my XXXX installment loan even though this should have been covered by the {$1000.00} I paid on XX/XX/XXXX. After contacting the loan department and being transferred to three different people who said I had been transferred to the wrong department I learned that the {$1000.00} had been applied to my principal only and not to the late fees and repossession fee as was indicated. I asked them to fix the payment to which I was told I had to call back the next day in order to speak with someone from the collections department who could fix this issue. In addition to this issue I still have never gotten an answer from the bank as to why I have a {$310.00} late fee that shows as a Check Loan Bill on XX/XX/XXXX even though at this point I had never missed a payment. I have been to two branch locations, talked with two managers, one bank representative, and countless people on the phone. None of which have been able to tell me why the Check Loan Bill occurs on my account. It is now 19 days since I was originally told someone would look into this issue and give me a call back and I have received no communication whatsoever about the reason this bill occurs on my account.
Consumer complaint received 2020-02-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (MD)

I'm reaching out as a consumer in possession of a {$100.00} promotional prepaid debit card provided issued by XXXX ( on behalf of XXXX ) and which I understand is serviced or otherwise held by Blackhawk Network. The prepaid debit card was first issued to me in or around XX/XX/XXXX. The card expired, without my having used any of the stored value, in or at the end of XX/XX/XXXX. I sought a replacement card on XX/XX/XXXX, by calling XXXX, the number listed on the back of the card. A customer service representative told me that XXXX would issue a replacement card that would arrive in 6 weeks. I  never received a replacement card. I called again on XX/XX/XXXX, and was told to wait an additional 2 weeks. ( I was provided with a Case number : XXXX. ) I never received a replacement card. I called again on XX/XX/XXXX, and was told that some sort of " delay in processing and delivery '' of promotional prepaid gift cards had occurred in XXXX that was preventing issuance and delivery of the replacement card. The representative advised me to wait another 2 weeks to receive the replacement card. At this point, more than two months after I first requested the replacement card, I doubt that XXXX can or will issue a replacement card.
Consumer complaint received 2022-12-01
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. (WI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX 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, 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 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 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 2022-12-15
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. (SC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX  XXXX, SC XXXX XX/XX/XXXX ; XXXX- XXXX XXXX  XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$8700.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX  : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  : {$470.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX  : {$540.00} XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX XXXX : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  : {$450.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) XXXX XXXX XXXX {$540.00} ; XXXX XXXX XXXX  : {$7100.00} ; XXXX  XXXX XXXX  : {$1700.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$7200.00} ; XXXX XXXX XXXX  : {$7100.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-02-10
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: EQUIFAX, INC. (NY)

Ive sent dispute letters to equifax credit bureau to investigate derogatory remarks on profile XX/XX/XXXX. They recieved dispute letters XX/XX/XXXX. They have yet to send me a status update or notification through mail. It is now 45 days