davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
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. (MD)

On XX/XX/2021 I file an FTC identity fraud report for a company name XXXX XXXX XXXX, who said they were acting on behalf of XXXX, and Ii never have an account with XXXX and I kept disputing the account and nothing was ever being done for 6 years of disputing this item on my credit report with the account number XXXX. 
On XX/XX/2021, TransUnion and XXXX deleted the account from my credit report after the new investigation. 
On XX/XX/2021, I check my credit file for any inaccuracies and unauthorized inquiries I find the same account appeared on my credit report again for the same amount of {$1100.00} under a different collection name XXXX XXXX XXXX. 

Additionally, another account that I paid and original creditor XXXX XXXX XXXX of XXXX removed the file on my credit report appeared again under the same XXXX / XXXX XXXX XXXX account # XXXX which was the collection company I paid back in XX/XX/2021. 
I need an investigation into these two company that are trying to defrauding me.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXXXXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2015-09-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (MO)

I mailed Central Financial a dispute letter XXXX XXXX, 2015 requesting validation of debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) In the letter I requested the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

I asked the office to provide me with debt verification within 30 days from the receipt of my letter or to cease all collection activity and remove all negative accounts from their office from my credit report. 

I received a letter from Central Financial Control dated XXXX XXXX, 2015 ( after the 30 day grace period ). In the letter, Central Financial requested a copy of my personal identification and Social Security card to assist them with completing their investigation. The letter also stated that if they did not receive the requested information, the account would be returned to the appropriate department for handling, including but not limited to active collections. 

I informed Central Financial that there is no Fair Debt Collection Practice which requires I furnish copies of my personal sensitive information to credit collection agencies. 

Central Financial continues to refuse to verify the dispute of the debt. 
I submitted a complaint to the XXXX and the complaint was closed and unresolved on XXXX/XXXX/15. 
I believe Central Financial is engaging in deceptive and illegal collection activities. Furthermore, Central Financial is not licensed to debt collect in the state I reside in ( Missouri ).
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

I paid off my loan with a bank issued check on XX/XX/XXXX. Navient cashed the check on that date ( email from bank attached ). The payment never posted to my account, so I called Navient on XX/XX/XXXX, and was told to be patient, that it sometimes takes some time for it to show on my account. 

I called again today on XX/XX/XXXX and spoke to XXXX, who told me that he could n't locate the payment, and that " it might eventually get refunded to me if they ca n't find a home for the money. '' I wrote my ssn on the check, along with account number, more than enough information to locate my account.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I originally received a promotional offer from Citi for opening a CitiGold checking account with a promotional offer for XXXX XXXX miles upon qualifying debit purchases ( see attachment on XXXX/XXXX/16 ), and upon calling Citi to open my CitiGold account I was put on hold to verify my eligibility and was CONFIRMED that I was ELIGIBLE, and the account was then opened with the promotional offer. I also contacted Citi via online chat to confirm the debit purchase requirements, in which Citi confirmed that making {$1000.00} in debit purchases ( along with the already completed bill pays over 2 months ) " to receive the promo bonus '' ( see attachment on XXXX/XXXX/16 ). After completing the requirements, I contacted Citi via online chat on XXXX/XXXX/16 ( see attachment ) to confirm all requirements were met and the representative confirmed everything was met and after 90 days I would receive the bonus. After the 90 days I contacted Citi via secure message on XXXX/XXXX/16 and was told that I was not eligible for the promotion ( despite being continually confirmed of eligibility ) and therefore would not receive the promotional bonus. I signed up for this offer based on this promotional bonus and Citi has $ XXXX monthly fees for the account ( which I would not have agreed upon without the promotional offer ). This willful misleading is unethical and fraudulent, Citi willfully agreed that I was eligible and confirmed the completion of the requirements as evidenced by the attachments, and now that I am due the promotional miles Citi has suddenly reneged on the offer while continuing to charge monthly fees for the account. Citi should be held accountable for honoring the promotional offer, particularly given the fact that throughout the process they confirmed and reconfirmed my eligibility and qualifications for the promotional offer. This type of misleading can not be legal and Citi should be held accountable, particularly given that a quick internet search shows that Citi has " scammed '' many people with this same offer.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have been getting contacted about having a debt from a Portfolio Recovery Associates of {$8800.00} which was opened on XXXX of 2018, which I had know knowledge of and have had to replace my credentials quite a few times between the years. I would dispute the collections account that was on my report, but to no avail, it has remained. I was always told that XXXX XXXX is not the best way to look at things on your credit report so I decided to invest in XXXX to see if it can give me further details on this account. Sure enough I got the description that this was a joint account with a former spouse of mine XXXX XXXX XXXX, then it all made sense. My ex would hint to utilizing me as a co signer on things he wanted to get, either cards or cars. We tried for some cars a few times, on his devices, so he had access to my sensitive information. We had a bad falling out when I told him I need to build my credit before trying to use it, so he used my information without my knowledge.
Consumer complaint received 2016-09-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a " lifetime subscription '' to XXXX XXXX XXXX XXXX XXXX ( XXXX company ). The transaction ( lump sum of {$15000.00} ) was made thru my XXXX Credit Card held in my Bank of America Bank account. The funds were paid out from cash held in my account around XXXX XXXX. By XXXX XXXX, I decided that I had made a huge mistake. I did not use any of XXXX XXXX services at any time. I notified the bank right away and asked them to cancel the purchase. They informed me of their policy which included that I could try to cancel the purchase but the seller had the right to present evidence of information which would allow them to keep the funds and force the sale. They were given 60 days to make their case. The process continued for the full allowed time. Near the end of that period the funds were nominally moved back to my account list with Bank of America and I had the mistaken belief that the long painful battle was over. I could not have been more wrong. I learned from XXXX of the many bank employees that the resolution had been made in favor of the sellers and I should have been sent a copy of it. Days later, I got a copy of it by mail. 
A few days ago, I received even worse news!! Even though I have already lost the XXXX XXXX dollars to the seller, the bank has structured things in such a manner that I will be forced to pay twice!! The bank claims that the {$15000.00} they passed on to XXXX is beyond their reach and there is nothing they can do about it. They claim I owe the bank {$15000.00} and they are more than comfortable to make me pay twice. The bank notified me that next month they will start charging me monthly interest and principal payments to repay the funds to the new phantom " XXXX '' " income fund '' sitting on my bank account screen and I am only allowed to " look but not touch '. Go figure!! I am XXXX XXXX XXXX with XXXX XXXX. This horrible ordeal has produced a tremendous amount of stress.
Consumer complaint received 2015-06-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Wilson, Riley & Associates (OK)

I was contacted by this company back in XX/XX/XXXX, they told me that I have an outstanding debt that I was never aware of for a payday loan back in XX/XX/XXXX. Stated that they were going to sue me for the funds. Afraid of legal action i agreed to make payments to them for the funds. After reviewing information online i am showing that this company is not a lawyer 's office but a collection agency. I am filing a formal complaint against their practices. To this day I have asked for paperwork showing the debt, but have never been provided the information.
Consumer complaint received 2022-02-08
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)

Experian continues to report inaccurate information and will not allow disputes online. Their systems keep saying unavailable or error. When sending them mail, they either don't respond or say the dispute has already been processed.
Consumer complaint received 2020-07-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA repossessed my vehicle and now refuses to accept payments from me through its app and web portal. Every time I try to pay I am greeted with a 16:2942 error refusing to accept payment. Customer service was nonresponsive. After refusing to accept payments, USAA now has begun charging me late fees.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (CA)

I purchased a vehicle through XXXX XXXX XXXX 3 years ago. I was late on 1 payment, since then they have stopped reporting my credit score to Equifax. My auto loan should be at about 6200+ int. Equifax told me that they were made aware that XXXX closed my auto loan. Which is not true because I am still in possession of the vehicle. I have submitted a complaint once before with XXXX and nothing has been updated or changed on my credit. This is hurting my credit score because the auto loan is stating closed when its indeed open
Consumer complaint received 2021-09-02
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. (IN)

i have repeatedly disputed for removal of 2 civil child support case 's from XXXX  off my credit profile and experian refuses to removal. 
date : XXXX XXXX XXXX amounts XXXX and XXXX I sent in updated court document from clerks office of payment history the bureaus ignored it
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (CA)

I received a letter dated XX/XX/2022 from Rausch Strum LLP Attorneys At Law. Attempting to collect an alleged debt! I have never received any correspondence from this attorney. XXXXm fact, it is unlawful for you to contact me without my consent! Who gave you my location 15 USC 1692a7? Who gave you direct consent 15 USC 1692c? Please stop harassing me pursuant to 15 USC 1692! I hereby demand that you cease and desist from all forms of communication. An attorney can not be a debt collector and attorney at the same time! You are in violation of 15 USC 1692e ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
15 USC 1692e ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
You cant sue me you uneducated corporate piece of paper and thats pursuant to 15 USC 1692i ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. you have my private information that I did not consent for you to have and Congress found that to be identity theft! If you even attempt to contact me again I will take you to court and sue you for violating my rights as a consumer! Please be advised that every violation is worth {$1000.00} plus pain an suffering for mentally breaking my spirit and causing stress having to respond to you violating federal laws! Delete all of my personal information from your records!
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (TN)

A student loan was taken out and my name was used as a cosigner with a forged signature. I disputed the loan and signed an affidavit as well as filing XXXX police reports in my town and in the town in which the fraud occurred. Without reason or explanation Chase bank has denied my dispute package. In addition they have constantly threatened me. A non bias entity has ruled it a fraud, Chase is bias in regards to it is their loan. They remain uncooperative and drag things out for months. After this account was defaulted and closed they illegally pulled my credit twice. Chase will not give any reason for the denial and gives my lawyer and myself the run around. They have no proof I signed this document and ample proof that I did not.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION (MO)

On XXXX Simmons Bank posted someone else 's check to our account and withdrew {$670.00}. We contacted them 3 times and asked that they show up that the money was redeposited back into our account. They said it was taken care of and there was no audit trail that would confirm that the money was redeposited back into out account. They said they just wiped out the check and all was okay. How can a financial bank manipulate my account and have no audit trail? I do not know if they added the {$670.00} back into my account or not.
Consumer complaint received 2020-09-10
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. (CA)

XXXX  ; Experian  and XXXX  should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (FL)

CITI BANK TOOK {$100.00} DOLLARS AWAY FROM ME AND THERE IS NO REAONS WHY TTEHY DID THAT. I AM LEGALY XXXX
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

my mortgage was transferred over to SLS back in XX/XX/2016 I was previously with XXXX I never received information from SLS until I notify them however every time I 'm trying to call them I can never get an answer and I would like for someone to call me. I have actually stayed on the whole for 30 minutes without reaching an operator.
Consumer complaint received 2015-12-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (KY)

We have lived in our home for over 10 years. We survived through the barrage of foreclosures in our neighborhood. 2yrs ago we applied for a modification loan with our lender HSBC. While we were going through the process, we had XXXX - XXXX different loan officers. It took forever for us to receive the modification packet. Once we received the paperwork, we immediately signed, had notarized, and mailed back in. About 6 months ago we were notified by our Bankruptcy attorney ( paying on a Chapter XXXX ), that HSBC submitted {$30000.00} in back payments, late fees, interest, and legal charges. When I contacted them, they stated that we were actually never approved for the initial modification loan. This was a new loan officer. I asked how we had been paying the modification amount for 2yrs, without any contact via phone or mail, as they had all of our current contact info. To this day he still has n't answered that question. Now they are offering us another modification loan, including the extra {$30000.00}, making our mortgage payment more than it was when we XXXX got our fixed rate. We 're being punished due to someone on their end dropping the ball on our XXXX modification loan. Our modification amount went from {$1000.00} to {$1600.00} a month. Our home is only worth {$160000.00}, but now we owe {$220000.00} after we have been paying mortgage for over 11yrs.
Consumer complaint received 2021-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I scheduled a payment on XX/XX/2021 on the AES Online Portal. It is now XX/XX/2021 and it still is displayed in the account as not in process. I called AES a few times during the day on XX/XX/2021 and each employee provided reasoning that it could take up to 2 business days to process the payment. This is concerning because they are intentionally prolonging the processing in order to report my delinquency to the Credit Bureaus, with which I have a problem. I'm sending this entire report to XXXX and XXXX as well so AES can be investigated by them. 

This company is the worst company anyone on the face of the Earth has to deal with, even ex-employees have reached out and said the company is XXXX up. I think there should be an appointed Investigator to impose fines against the company for mishandling accounts, which the company has been sued for multiple times. 
I read those employee reviews and laugh. It's amazing how the company is still around. I also think the company should XXXX every employee 's XXXX by 15 % just to shed the morale in keeping Customer Service a priority. These people who answer the phones are unskilled, un-knowledgeable, uncaring, and show up to get paid and that's it. They fail to exhibit any people skills of any kind when customers voice their frustrations. AES has been caught red handed multiple times doing this with scheduled payments.
Consumer complaint received 2016-08-18
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Amsher Collection Services, Inc. (FL)

My wife had been to XXXX XXXX before me they made her pay both times she was there even though her insurance said they was not supposed to charge for XXXXt 2 calls so she called them she had a credit on her account for {$40.00} and asked them to transfer to mine which would still leave a credit of {$5.00} this was supposed to be taken care of but then we got a letter from a collection agency we wrote them back and explained never heard from them again but this showed up on my credit report we even tried contacting XXXX but they never answered their requests either.
Consumer complaint received 2017-05-22
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. (IL)

I am requesting the removal of  XXXX  judgments and  XXXX  bankruptcies  ( below ) o n my  XXXX  and other reports due to  Civil Case No.   XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    . I d id not know the source of their information on those judgments and bankruptcies and due to this  XXXX  has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  XXXX
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (SC)

They have confirmed a debt to XXXX which XXXX confirms that they received a copy of the equipment return. I contacted XXXX who provided a number that says it is not in service. I called a number I found under a XXXX Search for the company and it rings and provides no message or ability to leave a message. I would like this removed off of my credit report