davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (IL)

On XXXX XX/XX/XXXX, I received a letter in the mail from American Pacific Mortgage stating that they did not receive my XXXX mortgage payment. I immediatley called them and advised them that I paid my XXXX mortgage payment on XX/XX/XXXX. They told me to email them by bank statement showing that the money was deducted from my account, which I did while still on the phone with them. They told me they would review it and send me a letter in the mail regarding their findings. I asked that they please call me back as I was obviously concerned. 

I waited a couple of days and called them again on XX/XX/XXXX, I told them I needed to make my XXXX payment but I was concerned about paying online again because they had lost my previous month 's payment. They agreed to take a phone payment for my XXXX mortgage, I also asked if they had credited my payment for XXXX yet, they said that the review was still with their " research '' team and they legally had until XXXX to get back to me. I told them I was concerned about my credit score and about the late payment fee that they charged me. They said not to worry that they would not report anything negative against my credit score. In the meantime, I had sent them 3 emails asking if they had received my bank statement ; they never responded to any emails. 

I called back again on XX/XX/XXXX ( which according to them was the legal amount of time they had to research ). After being told the matter was still not resolved, I asked to speak to the customer service supervisor. The supervisor told me that they had my XXXX payment because it was paid on XX/XX/XXXX. I told him that the XX/XX/XXXX payment was for XXXX and gave him the back story of them losing my XX/XX/XXXX payment. The supervisor then transferred me to his supervisor. The supervisor 's supervisor said they had found my missing payment but it was with their cash deparment and had to be posted by them. He said he was escalating the situation and said it should be resolved by the next day ( which would be past the legal time limit ), he also reversed the late fee they had charged me. 

I reviewed by account online the next following days and still did not see my missing payment being refelcted in my statement. I called them back on XX/XX/XXXX and once again spoke to a supervisor. The supervisor told me that they were very far behind right now and I had to wait 24 hours so they could email the cash deparment. I told the supervisor that the last supervisor had told me he escalated it and it would take 24 hours on the 9th and by this point it had been 72 hours. She said she would email them again. I asked if she could please take ownership and call them. She said that they do not have a phone number to the cash deparment. As of today XXXX XX/XX/XXXX XXXX American Pacific has still not posted my missing payment. 

I have spent several hours calling American Pacific and asking them for a resolution and still have nothing.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX reporting on all 3 bureaus inaccurate XXXX XXXX  XXXX reporting on all 3 bureaus inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Bureaus inaccurate XXXX XXXX reporting on all 3 bureaus inaccurate Independent eXXXX XXXX XXXX Reporting on all 3 bureaus inaccurate XXXX XXXX XXXX  XXXX **** reporting on all 3 bureaus Is inaccurate and it keeps being removed then added back which is breaking another law which ( XXXX ) should be fined, its obvious the multiple inaccuracies where shown.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CARD Corporation (IL)

Hello, I got a visa prepaid car with XXXX a few months back. Out of the blue they close my account which I don't really care. But when I ask for a refund for the remaining balance they started blackmailing me into showing them various documents in order to get a refund. Then I started posting negative review on line when I saw other consumers complains about the same thing. Specifically when a merchant issues a refund they use it to lie about suspicious activity and then steal consumers money. 
So it is their ongoing fraudulent practice which of course is illegal. Can you please assist me with this? Is not so much about the money as to why should they be allowed to steal and blackmail consumers in this manner. Also they are not a legitimate business and they commiting fraud so of course they are not trustworthy to be shown any document or info about me because their purpose is not legit. Thank you.
Consumer complaint received 2018-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: American Student Assistance (TX)

My school closed. It was owned by XXXX College. I first attended when it was XXXX College and then it became XXXX XXXXXXXX University. I attended from XX/XX/XXXX through XX/XX/XXXX,  graduating with an XXXX XXXX in XXXX XXXX and XXXX. I started a family and took time off. I returned from XX/XX/XXXX through XX/XX/XXXX. I accumulated approximately {$35000.00} in Federal student loans. Prior to my last quarter to receive my XXXX XXXX, I began contacting other colleges in the XXXX XXXX area such as the University XXXX XXXX Florida so that I could receive my XXXX XXXX from a better known university. I was shocked by what I learned and so discontinued attending XXXX and did not complete my XXXX program. The reason was that while XXXX had told me again and again that my credits would transfer to any other college that I would want to attend, I learned that not only would I have to retake not only my entire XXXX program but some of my XXXX program as well. I was also told XXXX had employment programs for graduates but as it turns out those programs never existed. I was also never counselled on how my student loans could ever be repaid after graduation. I was furious and sought legal help but no one would help me so I just turned my back and walked away. Once I walked away from XXXX that was that as far as I knew. Until not long ago. A few months ago, I was in need of an official college transcript for a job offer. In my attempt to contact Florida XXXX University, I found that the school had closed, became XXXX College, closed again and is now XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and I was able to receive an unofficial transcript but this is not what was needed. After several weeks of contacting XXXX again and again, I was told that while there is a record of my attending XXXX, there is no record of my XXXX and so I could not obtain an official transcript. Needless to say, I did not get the job. My degree is worthless! Since then, I found that XXXX College had been sued in a class action suit, which failed, and also by the CFPB. I just learned that the CFPB had sued and won a settlement against XXXX College in XX/XX/XXXX but XXXX had filed bankruptcy and so CFPB has never collected. I do not feel that I am able to legitimately able to continue using this college information on my rsum as I can not prove that I XXXX yet I have student loans to repay, which are almost double what they were when I XXXX. I do not feel that I should be responsible for these student loans because I feel that I was defrauded. I have nowhere else to turn. I have twice submitted complaints to the U. S. Department of Education, ( XX/XX/XXXX and XX/XX/XXXX ), but have received no response and do not expect to. I also reached out to my lender but was told it could not help me because the school closed after I had XXXX. Is there anything that CFPB can do to help me?
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

IC System Inc., has not reported to the credit bureau truthfully regarding my account being closed and paid in full now. I have submitted a payment for my past due bill approximately XX/XX/2021 and have returned the cable equipment to the original creditor ( XXXX  ). I also have submitted the receipt for the returned equipment to the email provided by IC System Inc., The account still shows like the balance for the equipment is still owed.
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Experian Information Solutions Inc. (TX)

I was illegally evicted from the rare apartments, they informed me they lost my paperwork to renew my lease & told me to leave, i left within 3 days within those 3 days they turned my power water and heat off, I have an XXXXyr old. 
My original rent was XXXX $ The property is under new management & they were charging me XXXX $ in rent, I said i wasnt going to pay XXXX So they told me to move out then. 
I was forced to move out of my home i was there for 3 years And now they are charging me XXXX $ for rent when i didnt even live there? 
They said they lost my paperwork? 
So i dont understand why im being charged if i was forced to leave the property. 
Ive called XXXX XXXX XXXX for over 30 days, no one has reached out or called me back because they dont know who i am? So why am i being charged XXXX $??
Consumer complaint received 2018-03-12
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: CITIZENS FINANCIAL GROUP, INC. (TX)

Citizen Bank - XX/XX/18 Fraudulent loan attempt. 

Contacted company informed to contact XXXX, XXXX, XXXX Loan request was not submitted by me. 

Thanks,
Consumer complaint received 2021-02-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (OH)

We bank with XXXX and they use FISERV for online bill pay. On XX/XX/XXXX the bank attempted to send 2 bill pays, one for {$100.00} and one for {$120.00}. We apparently didn't have enough funds in the account, but FISERV did pay the bills for us. FISERV sent us a collection letter stating we owed them the funds and gave us a phone number of XXXX to reach them. We called on XX/XX/XXXX and spent over 60 minutes on hold. We called back the evening of XX/XX/XXXX and spent about 15 minutes. We called again today, XX/XX/XXXX, and spent another 30 minutes on hold. We have been unable to reach this company to resolve this issue. The only other option on the phone is to get a mailing address to send a physical check to. This company has suspended our ability to pay our bills online, and is not providing a speedy or efficient resolution to the issue. Besides the fact I have YET to speak to anyone from FISERV. We called XXXX, our bank, and they told us we have to talk to FISERV. This has been a completely horrible process and FISERV is not responsive at all.
Consumer complaint received 2020-07-29
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. (IL)

I recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit report.
Consumer complaint received 2022-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information.

1. XXXX XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
XXXX. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer. 

XXXX. XXXX  XXXX After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Resurgent Receivables has been contacting me the CONSUMER, NATURAL PERSON, & ORIGINAL CREDITOR about an alleged debt that I do not owe. They have been reporting that I owe this alleged debt to all 3 major bureaus ( XXXX, XXXX, XXXX ), This is false and misleading information according to 15 USC 1692b ( 2 ) : " Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- not state that such consumer owes any deb. '' They are also trying to collect on an alleged debt that they don't even have the proper certification to collect in the state of Texas. Also under 15 USC 1692e ( 8 ) : " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' I would like for these accounts deleted from all 3 major bureaus ( XXXX, XXXX, XXXX ) and all secondary bureaus they are reporting too.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (WI)

on XX/XX/2022 my XXXX rewards card- marcus by goldman sachs card was declined at a gas station. i called to see why and was told it was for non payment of my XXXX bill. my bill has been paid through auto pay from my checking acct since XXXX of XXXX i did not take it off of autopay ( it has since been put back on autopay ), so someone or their system must have taken it off autopay. the girl i talked to waived the {$29.00} fee for not paying my bill, but could not remove the interest of {$24.00}. she said i would have to file a dispute. i filed the dispute on XX/XX/XXXX and got a response on XX/XX/XXXX saying they found no errors and would not remove the interest. on XX/XX/XXXX i filed another dispute over the phone and they responded on XX/XX/XXXX saying they would not remove the interest charge. 
on XX/XX/XXXX i tried to email the company directly, but they were having web issues and it told me to try again in a couple hours. 
marcus recently took over the XXXX rewards card this year. i received my first bill with marcus in XXXX
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have no knowledge of this account. TransUnion did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

XX/XX/XXXX I leased a Honda for 36 month term which ended XX/XX/XXXX. I bought the same vehicle on XX/XX/XXXX. Paid all my dues including the buyout amount on time XX/XX/XXXX I got a statement to pay {$480.00} for Personal Property Tax CITY OF XXXX . I paid that on time as well and the account was CLOSED. 
All my credit bureau reports show the XXXX account as CLOSED on XX/XX/XXXX and in good standing so far XX/XX/XXXX, Seven months after account closure, I got a statement from XXXX to pay {$560.00} for Personal Property Tax CITY OF XXXX XX/XX/XXXX Being the second property tax in same year, I gave a call to XXXX XXXX XXXX help desk. The support person was not able to clarify which year this payment is being asked for. He incorrectly stated that this payment is for XX/XX/XXXX and the one before in XX/XX/XXXX was for XX/XX/XXXX. I didnt reside in XXXX in XX/XX/XXXX, hence there should not be any tax so I requested them to check the records if there has been duplicate payments and also send me the copy of tax notice *Support person stated that they will send the tax notice via physical mail within 7 days. The mail didnt arrive. 

XX/XX/XXXX I got a Robo call from XXXX . I gave a call back to XXXX XXXX XXXX and explained the whole situation to a different support person. Support person stated that they will send tax notice via regular mail XX/XX/XXXX I also opened an online Case/question on XXXX XXXX website. XXXX XXXX # XXXX. Please find attached the Case details, content and all online tracking information XX/XX/XXXX I received the tax notice and clarification to my original question. Tax payments were for XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX I paid the full amount {$560.00} XX/XX/XXXX XXXX reported to all credit bureaus that my account is Delinquent. My credit score got adversely impacted XXXX Present : I requested all credit bureaus to check on this but they are not able to help. XXXX recently made my 36 month term to 48 month term on XXXX and account as delinquent with 30 day late *I have never paid XXXX XXXX late nor made late payments on any other loans or credit cards in past. I just asked a question and paid the full amount as soon as it was clarified. The property did not belong to XXXX in XX/XX/XXXX and they should not have paid tax on my behalf seven months after I made the purchase and charge me on an account which I had closed. 


*Attachment summary & proofs : 1 ) XXXX complete financial transaction history 2 ) Phone company records for the calls I made to XXXX helpdesk 3 ) XXXX online Case correspondence
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DC)

I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part.
Consumer complaint received 2022-07-22
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. (DE)

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account # 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
Consumer complaint received 2021-02-12
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. (CA)

I sent a letter on XX/XX/2021 to Equifax regarding inaccuracies on my credit report. I received no results of investigation so I sent another letter XX/XX/2021 regarding the inaccuracies and it taking over 30days. I filed a complaint and received a notice saying they dont recognize my name. I called the company and was given a hard time and also was told they dont know as of now if they received any letters. I have proof of the letters I sent and proof that my letter did indeed arrive at their location.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been fighting for 6 months to get this fraud account from XXXX XXXX ( XXXX XXXX XXXX  ) off my report with transunion and XXXX. I do not understand what the issues is that they wont remove it? I have sent them proof of the police report number too. I want this remove from my reports