davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Services Corporation, LLC (GA)

I have a an installment loan with HCS Loans, XXXX XXXX. XXXX XXXX, XXXX, NC XXXX for services from XXXX XXXX XXXX XXXX. I have a promotional loan of {$110.00} per month, for a total loan of {$3100.00}. The promotion expires on XX/XX/XXXX. 

I began making payment in XXXX, XXXX. My payments are made through my bank, XXXX XXXX, Georgia. As HCS will not provide electronic banking information for electronic ( ACH ) payments, I have my bank process a timely check for payment. I have requested this information from HCS, but they have advised me that they want MY bank account information for autopay, and I won't release that confidential information to them. 

For the XXXX, XXXX payment, I had confirmed that XXXX mailed a timely check. On XX/XX/XXXX and XXXX, a representative from HCS called me to inquire about my payment. I had advised them that my bank made a timely payment by check. The representatives, both on recorded lines, advised me that it could take 7 to 10 days to credit my account if payment is made by check. They noted my response to them in my account log. 

On Monday, XX/XX/XXXX, I had received 2 calls from HCS about my XXXX payment. I confirmed with my bank that the payment was sent on XX/XX/XXXX. HCS recorded my statement that day. On XX/XX/XXXX, HCS called me 4 times inquiring about the same payment. Upon my investigation, HCS received it on XX/XX/XXXX ( the due date ) and deposited the check into their account with XXXX XXXX XXXX. The check clearly has my account number, name, and address on it. In my final call that day to XXXX, I was advised to provide them with a copy of the cancelled check, both front and back, and fax it to them at XXXX. I faxed it immediately to them. 

On Saturday, XX/XX/XXXX, I received my XXXX statement from HCS, and it indicates non-payment for XXXX and a late fee of {$35.00} added to my account. 

I had advised HCS in an attached letter when I provided the copy of the check that I will no longer endure any further harassment from them and if they want an electronic payment, they must provide me with the XXXX XXXX XXXX account number and ABA/Transit number promptly. 

All of my account payments and debts are paid timely through my bank, and without incident, so this insane process must stop immediately.
Consumer complaint received 2023-04-09
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. (TX)

In accordance with the Fair Credit Reporting act 1. XXXXXXXX XXXX  Account # XXXX 2.XXXX Account # XXXX 3XXXX Account # XXXX & XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NJ)

On XXXX XXXX a representative, " XXXX XXXX XXXX '' at XXXX sold me " health Insurance '' on behalf of XXXX XXXX. Upon reviewing the policy I realised that XXXX " XXXX '' misrepresented the product that was sold to me, this was not health insurance but rather Supplemental Health insurance. I contacted the company on XX/XX/XXXX, I contacted both XXXX XXXX and XXXX XXXX and requested cancellation of the said product. The policy clearly stated that I had 30 days to cancel. I have several emails between XXXX XXXX and myself requesting this cancellation. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX about this issue, and asked that my XXXX be cancelled and a new one issued to me because I did not trust this merchant. On XX/XX/XXXX a payment {$440.00} to XXXX XXXX was charged to my now cancelled card and then reversed on the same day. 
Although I did not provide XXXX XXXX or XXXX with my new card, a payment of {$440.00} was charged to my new card on XX/XX/XXXX. I did not authorise a payment on XX/XX/XXXX. 
I have disputed this with XXXX XXXX and received a letter stating that there was no error and will not be making an adjustment and I will need to speak to the merchant directly. The merchant claims they did not receive this money. 
I have attached my correspondences to all parties, XXXX, XXXX and XXXX. 

Thank you for your usual prompt attention and the great work you do.
Consumer complaint received 2023-01-18
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: Fidelity National Information Services, Inc. (FNIS) (LA)

remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief. Or provide proof in writing within 30 days.
Consumer complaint received 2019-10-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Huntington Debt Holding LLC (AZ)

Loan was an illegal tribal loan that has been sold multiple times to non-tribal collection agencies that do not have any legal authority to collect. They refuse to provide anything. They are threatening to take my car and house despite neither being collateral for the loan.
Consumer complaint received 2023-04-09
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. (GA)

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

XXXX XXXX account XXXX : XXXX, account ending in XXXX, has violated my rights. 

XXXX XXXX Services account ending XXXX, has violated my rights XXXX XXXX capital has violated my rights XXXX Confirmation # XXXX Has violated my rights XXXX. XXXX : account number ending XXXX, has violated my rights XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
XXXX XXXX team : XXXX XXXX ph XXXX XXXX, XXXX club corporation account ending with 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 2023-04-09
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2022-07-20
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

My mortgage was transferred to Mr. Cooper in XX/XX/2019, I have received notification that my mortgage payment is going to increase by {$300.00}. 
My mortgage was transferred to Mr. Cooper in XX/XX/2019, I have received notification that my mortgage payment is going to increase by {$300.00}. This equated to {$3600.00}. Mr. Cooper 's explanation is that they " require '' a 2 month cushion in escrow accounts. When I asked " why '' they are doing it, the rep stated that we are " Mr. Cooper '' and we are allowed to do this. I have been making extra payments on my loan in order to bring my principal balance down, hence paying my loan off faster, I believe Mr. Cooper realized this and decided to up my escrow payment in order to make money for themselves. If I perform my own escrow analysis, I find that I am short by {$160.00}, not over {$3000.00}. This is deceptive practices and unfair to consumers. I have owned a home for over 24 years and not one mortgage company has ever done this to me. I did not ask for my mortgage to be transferred.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (DC)

On XX/XX/2019 I found that Sun Trust illegally charged my personal advantage checking account {$20.00} fee by using description " a monthly maintenance fee for XX/XX/2019 statement ''. I truly believe that this is banking error and illegal deduction without my consent. So I contacted this bank immediately by using online secured messages twice. However I never heard anything about my complaint. On XX/XX/XXXX and XX/XX/2019 I sent three emails to both customer care and a branch representative named XXXX XXXX to ask them to reverse this illegal fee {$20.00} because this personal advantage checking account was linked with business account and overall balance was {$10000.00} according to the bank 's terms and conditions and fee schedule. However I never heard anything from both customer care and XXXX XXXX - the person who opened my account in XX/XX/2019. Then I called customer service XXXX three times especially on XX/XX/XXXX and XX/XX/2019 by speaking with XXXX, XXXX and another female supervisor. I clearly stated that I have spent at least 4-5 hours to complained this {$20.00} fee problem caused by Sun trust without any reason. I further stated that not only the bank must return my money {$20.00} but also you have to pay my time {$300.00} per hour for at least 4-5 hours due to ignorance of customer 's complaint. By giving them several times notice I have no choice but to file formal CFPB complaint about this illegal deduction without my consent which severely violated my right and terms & conditions, fee schedules etc. In the past, I also brought anther issue in front of Suntrust due to promotional bonus {$500.00} and {$750.00} for this account. The promotional offer says " a new personal checking account with direct deposit morn than {$500.00} within 60 days of account opening plus 10 debit transactions ''. However I was only paid {$250.00}. I have explained numerous times to Sun Trust that a thief in East coast stole my bank accounts plus my property was illegally taken away. So total cash loss exceed {$100000.00}. 
Therefore this bank still owe me {$500.00} based on the current market rate.
Consumer complaint received 2023-04-09
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. (IN)

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (IL)

This is my second last complaint I am filing in regards to convergent outsourcing. Upon speaking with supervisor today he hung up directly on my face ( call did not drop ). I took care of an account with them back in 2017 AND I WAS STATED THAT IT WOULDNT BE REPORTED ON MY CREDIT REPORTS. fast track to today, and I've been allocating well over 20 hours per week to fix this matter ( started a week ago ) each and every single representative that I am speaking with is lying to me and furthermore I do not apprecite the hang up by the supervisor. This company has been an absolute nightmare to work with and I am in the process of getting an attorney. They have wasted so much of time and are extremely unprofessional.
Consumer complaint received 2022-06-19
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. (TX)

In accordance with the Fair Credit Reporting Act 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 XXXX has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

I am attending XXXX XXXXl while also repaying my loans from XXXX XXXX. I am part of a work repayment program that requires my loans to be in repayment status to get the benefit. Heartland ECSI routinely automatically switches my loans into deferment despite a letter I sent in XXXX of 2018 asking them to place my loans back into repayment and to stop all future updating of my loan status. I sent an identical letter to XXXX, and they have stopped all updating of my payment status and followed my wishes. Heartland ECSI refuses to follow my wishes and make the process for removing the deferment increadibly convoluted and difficult to follow through. Additionally, their customer service reps do not listen to my needs and instead try to convince me that deferment is the right choice. I get the impression that Heartland ECSI does not care to heed my requests and is instead making it purposefully more difficult for me to repay my loans on my schedule.
Consumer complaint received 2019-10-07
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXXExperian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX ACCT : XXXX AMT :  {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX  XXXX  XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX ACCT : XXXX AMT : {$3000.00} XXXX/XXXX  ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$700.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$800.00} XXXX/XXXX   ACCT : XXXX AMT : {$660.00} XXXX/XXXX  XXXX XXXX ACCT : XXXX AMT : XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX XXXX
Consumer complaint received 2019-08-28
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. (MN)

I have been a victim or online Identity theft since XX/XX/XXXX. I have been working with Experian and XXXX to remove credit reports that are not mine. Experian successfully removed a student loan and XXXX XXXX XXXX debt that isnt mine on XX/XX/XXXX. Those credit report has now shown back on my credit report. XXXX has not been cooperating. They are so hard to communicate with, even tried calling many times, the wait was long. And the people were not reasonable or helpful. It has cause so much issues and spent so much money on credit repair company 's.
Consumer complaint received 2023-04-09
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. (AL)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2019-10-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

We put a contract on a house XX/XX/XXXX. We were preapproved for a VA loan through Carrington Mortgage. From that date until XX/XX/XXXX, we went through all the steps required of a VA loan, including putting our current house on the market XX/XX/XXXX. The seller was also required to give notice for their tenant to vacate, and was forced to go through eviction proceedings, again because of VA requirements. Delays caused by eviction, which was only necessary for a VA loan, delayed our closing multiple times. 

Finally the loan went to underwriting and on XX/XX/XXXX we received a closing disclosure that showed what we would need to close with the VA, which was nearly $ 30K. Our loan officer told us that it was a mistake and we would get a correction. XX/XX/XXXX, nearly two weeks later, Carrington Mortgage notified us that we didn't qualify for a VA loan, and in fact never had qualified since the very beginning of this process. The reason we didn't qualify is because of a formula they should have used at the very beginning. When we contacted XXXX to ask about this, they knew this formula from the very first phone call, without seeing any details of our file. Our loan officer had become aware of this mistake on XX/XX/XXXX and tried to hide it/argue with the VA about it, when it was a formula he should have been aware of and was not subject to negotiation. This is GROSS NEGLIGENCE on the part of Carrington, and in fact neither or loan officer nor his boss was aware of of the formula even though it is clearly provided by the VA. They sent me a copy of the examples provided by the VA. 

On XX/XX/XXXX we were told that we had a week to come up with a 3 % down payment, and our only option in that short amount of time was an IRA loan. Then Carrington continued to make mistakes that further delayed closing and increased our closing costs/down payment. We found out our final down payment amount, which was {$2000.00} more than what we were told on XX/XX/XXXX, and we did not close until XX/XX/XXXX. Our original closing date had been XX/XX/XXXX, and we could have closed then with a conventional loan. Also, all these delays, again 100 % due to the loan officer 's lack of education on the product, caused them to restart our file, and in the process they have placed 2 hard inquiries on our credit. 

Because Carrington went on to cause 10 more weeks of delays after we were forced to list our house on XX/XX/XXXX, we now have a stagnant listing and have been forced to drop the price more than {$11000.00} even though nothing is wrong with the house. Had the house sold when we listed it, we would have incurred thousands of dollars in costs for housing before we could close. Carrington Mortgage should not be allowed to process VA loans when their loan officers are clearly not educated in the requirements and qualifications.
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. 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 Equifax data breach and may have got into the hands of the wrong person.