davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LendUp Loans LLC (CA)

I receive 83 phone calls from this creditor between the hours of XXXX XXXX to XXXX on XX/XX/2018. 
Very excessive and not necessary. I was receiving phone every 2 to 3 minutes apart. I had to eventually block the number on my cell phone since I was in a work meeting at the time the calls were placed. 
I have asked to not receive calls during work hours, and advised I am available after XXXX PST. They are obviously not honoring this request. 

I have called and requested a supervisor to call me, and now I 'm not receiving a call back.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated : XXXX XXXX XXXX # XXXX PLEASE DELETE error I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. I have never done any business or open any contracts with XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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: LEXISNEXIS (FL)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

Its my American Express Gold Card Ive had since 1994. I reported thousands of dollars in fraudulent charges in as much I never used the card for certain specific reoccurring transactions that kept appearing on my statements and I have never authorized anyone to use my card. The result was simply issue me a new card and they only went back a few billing statements when the fraudulent charges went back a lot farther. My bill became unmanageable to pay as was requested and Ive now signed an agreement with a debt settlement company to mitigate the outstanding debt with American Express. They would not accept my updated address to send information to and were very rude to me as a customer of over 20 years : my address for their records should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. They only accepted my updated phone number but nothing else and also just cancelled my account and a second account that was in good standing! What kind of racket are they running? Ill never utilize their services ever again and will tell anyone and everyone what theyve done to an old client.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (PA)

Notified XXXX XXXX on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).  Never received any mail from XXXX XXXX.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (TX)

A collection agency called The Bureaus Inc. put a collection on my credit that is not mine. It is fraud. They never informed me that they were putting anything on my credit. They just did it. I have asked them to remove this fraud and they refuse to do so. This agency is not legal or bonded to collect in my state. They are in violation of the Texas Finance Code
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

This lender is impossible to reach. No one, and I mean No one PICKS UP the telephone, even after being on hold XXXX minutes. COVID XXXX is NOT AN EXCUSE to not work. 

I need a payoff valid for 30 days on my loan. I can not get into my account online due to the fact no matter what I do, reset password, answer questions, I can not get into my account. 

Of course when you try to call, you will only get a machine that talks in circles. Absolutely useless XXXX Please help me get a 30 day payoff.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX see attatched statement of UNRESOLVED FRAUD. On XX/XX/XXXX {$200.00} & {$280.00} XXXX credited for past fraud. On XX/XX/XXXX {$200.00} & {$280.00} TRANSACTIONS BECAME NEW PURCHASES TO TOTAL {$2.00}, XXXX. Note Adjustment Purchases. When was USAA XXXX XXXX XXXX CREDITS XXXX {$200.00} {$280.00} made PERMANET? Why was I not Notified the RESULTS OF INVESTIGATION THAT RESULTED IN A TEMPORARY CREDIT ADJUSTMENT PURCHASE. ON XXXX AFTER ALREADY PAID BY MERCHANT? **** ( Why is USAA ALLOWED TO * TURN A TEMPORAY CREDIT INTO * PERMANET NEW PURCHASE * JUST AFTER MERCHANT CREDITS POSTED.?? ) *** USAA PROVIDE WRITTEN DOCUMENTATION OF THE OTHER CREDITS TOTAL {$2.00}, XXXX BEING MADE XXXXERMANET TO REVESE THE MERCHANTS CREDITS over {$1.00}, XXXX? These are. NOT NEW PURCHASES AS USAA SAYS XX/XX/XXXX TOTAL CREDITS for this period {$910.00}. Where are and what happened to the rest of the fraud credits? I recieved NO NOTICE. WHEN DID ALL TEMPORARY CREDITS ( Adjustment Purchases ) the ones with cute little minus sign THAT ARE ** NOT INCLUDED IN THE TOTAL CREDITS DISPLAYED UNDERNEATH ONLY {$910.00}. ON TOTALED LINE UNDER {$2.00}, XXXX OTHER CREDITS. WHEN DID THEY ALL BECOME PERMANET? THOSE THAT DID NOT WHY?
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts noted on attached credit report.

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

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 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact TransUnion. 

I have contacted all three credit bureaus and filed disputed with XXXX and TransUnion. XXXX referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX XXXX is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MO)

Disputed with all 3 credit bureaus XXXX deleted both debts. As of XX/XX/18 XXXX  and XXXX replied stating accounts verified without sending any verified information within time frame outlined from the FCRA 611 ( a ) ( 5 ) ( A ) ( i ). FCRA 15 U.S.C.1681i. This would make my 3rd attempt. According to the law each company as 30 days to reply neither hadnt.. 

I C systems XXXX. XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV {$210.00}
Consumer complaint received 2018-01-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

This company is the second mortgage lien holder on our home and do not have or will not provide a copy of the mortgage note to the first lien holder at my request. They were contacted in the beginning of XXXX XXXX with a request for a subordination and a copy of the note. The first lien holder paid for the documents on XXXX XXXX XXXX and received the subordination in late XXXX. We are still waiting for them to receive a copy of the actual note. When I call them time and again, I am placed on hold for extended periods of time then told to call another department and get the same results. 

If this company does not have a copy of the note, what are our options? I understand that by law, they have to have a copy on file.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (PA)

I borrowed loans from sallie Mae to attend school at XXXX XXXX University with out knowing that each seperate loan would be due for repayment at the same time. I thought it would be a consolidated loan that would be in XXXX manageable payment each month.
Consumer complaint received 2019-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (OR)

I have been making payments on my loan with Lendmark Financial 's XXXX office for several years. I have been repeatedly 10-15 days late making my monthly payment. When I moved to Oregon I updated my contact information with them. And in hindsight it was foolish to have provided my work # given I am not allowed to receive personal calls at work. 
Despite mutiple requests and demands from me since, as well as my manager talking to their agent and telling them I am not allowed to receive calls at work, and my demand to their office manager XXXX that they stop and remove my office # completely from their system, which she assured me had been done, I have received dozens of calls to my work, each and every time I get the call I tell them I can't talk at work and later speak with them via my cell. I thought it had finally been resolved and hadn't gotten any more calls to work for a few months, until recently. 

I have received 5 vm msgs at my work since XX/XX/2019. I sent an email again demanding they stop calling my work and they called me at work AGAIN claiming my cell # wasn't working. They had inexplicably called a cell # I haven't had since I moved to Oregon and they had called me on my cell as recently as XX/XX/2019. Even if my cell was disconnected they do not have the right to call me at work and they know this and do it anyway.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF NEW YORK MELLON CORPORATION, THE (VA)

On, XXXX/XXXX/16, XXXX withdrew {$65.00} from my XXXX XXXX checking account in an authorized direct debit transaction. I have tried to resolve the issue with both XXXX XXXX and XXXX with no luck. 

I would like a refund of my {$65.00}
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

My husband and I applied for a refinance, loan with Royal United in XXXX and went through the whole process. paid an appraiser sent by and picked by the company that cost us {$440.00} on a credit card that we did not have to spend. we were assured the loan would go through and simple as long as house passed appraisal. We were denied because the mortgage company said when we refinanced in XXXX with another lender they added him to the loan and not the deed. So we were denied and out the money that put us further in debt. My husband was sick and in and out of the hospital. he XXXX XXXX in XXXX. I had a supervisor call still trying to get this loan approved. I told him my husband passed away and we did not need to go forward. Royal United just sent me a new email still checking our credit and trying to push this loan through. I sent them two more emails asking them to stop trying to get me a loan I did not want. I was upset with the company for not explaining all up front and telling us we could lose the appraisal money if we were not approved. this whole situation added and caused undo stress we did not need.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (TX)

There is a multi-state class action against illegal lending practices. As a customer I'm experiencing problems with loan forgiveness on a car title. I contacted Santander in hopes to get my loan forgiven, or to get it modified. As of today they are charging me XXXX in interest on a XXXX loan. I have already paid off XXXX on the balance. The state of Texas isn't included in the class action, but the state of Louisiana is. Which is where the car was purchased. 
Over XXXX approved by the courts, for settlement payments, and loan forgiveness. 
I have reached out to the Attorney General of my state and the XXXX XXXX who is in charge of the settlement. 
I need help in getting Santander to do the right thing and actually help consumers. 
Over XXXX consumers having the same issue, please refer to the link for more on who other consumers are experiencing. 
Please help us bring light to this situation, instead of letting lawyers take advantage of the funds, and leaving consumers buried in debt with no capable resolution. 
https : XXXX
Consumer complaint received 2018-06-10
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (PA)

XXXX XXXX College back in XX/XX/XXXX-XX/XX/XXXX. Formerly known as XXXX XXXX school. Very abrasive means to get student loan. I was not given any information regarding the interest rate or the difference between private loans/federal loans. They offered very little availability to get federal loans and had forceful ways to making myself sign for private instead. I was very young and did not understand the difference at the time. I am still struggling to pay back these loans. Navient has not allowed any kind of forbearance on these loans. Navient offered two predatory private school loans with a high APR rates and have not sent me the promissory note after several attempts so I could review it with them. I have tried to get short term forbearance for private and federal ( now federal is in forbearance due to me completing a borrower defense to repayment ) and have been unable, I have had trouble having my loans lowered or any APR rate for private lowered in order to try and pay off the loan quicker. I also have been denied the ability to release my co-signer even after missing no payments and paying off a huge amount of the loan. I need restitution from both XXXX and Navient. This has gone on too long. How is anyone supposed to get ahead in life while they are tied down to these loans. I haven't even finished my XXXX degree and originally owed almost 90,000 dollars! for a XXXX   that is not complete. Please help me.
Consumer complaint received 2020-08-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am in the process of getting a HELOC from HSBC and am getting ignored by the bank for the past 3 weeks after they had sent me a letter of conditional approval. The customer service provided is by far abysmal. 
XX/XX/XXXX - I received an email from XXXX ( mortgage processor ) on the conditional approval and a note that she will reach out within 5 business days for next steps. " I will contact you within 5 business days to address any questions you may have and review outstanding documentation. 
XXXX - 5 business days have passed and NO ONE from HSBC reached out. I sent a note to XXXX and CC'ed XXXX ( mortgage consultant ) as a follow up. And to my surprise XXXX is out of the office and XXXX XXXX ( mortgage processor ) would be the back up contact. 
XXXX - XXXX XXXX for help on the next steps. No response. XXXX only provided an email and no phone number. So was only able to email and cant even call. 
XXXX - Reach out to XXXX again for support. No response. Even called him multiple times. No one answers the phone with the answering machine saying to email. 
XX/XX/XXXX - Tried calling XXXX again to no response. Why bother having a phone number when no one answers? 
XX/XX/XXXX - Called customer service and they advised would reach out to the Manager to check on status. 
XX/XX/XXXX - NO RESPONSE FROM manager either and its been 6 days. Seems like a pattern here of just ignoring customers. Reached out again to customer service for update and was told someone was looking into it. 
XX/XX/XXXX - Called customer service again as this is just getting ridiculous. Finally got someone on the phone who seemed to actually care and will follow up with the Manager again.
Consumer complaint received 2019-05-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

My siblings and I are beneficiaries to a unitrust with Wells Fargo as the trustee. After 10 years of receiving the annual distribution each XXXX, Wells Fargo changed the month that we are to receive our annual distributions. They changed it from XXXX to 11  months later in XXXX. The only reason they gave us was that they said they had been giving it to us erroneously and when asked for proof of why they came to that decision they wouldn't disclose why due to citing " ... internal policy and procedure on unitrusts '' and " ... our privacy policy. '' We want it restored back to the original distribution, the XXXX immediately after the XX/XX/XXXX reporting period.
Consumer complaint received 2019-05-12
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: TD BANK US HOLDING COMPANY (CA)

On or about XX/XX/2019 I purchased a XXXX prepaid phone airtime Ecard from XXXX. 
Once the Ecard arrived in my inbox I tried to use the included pin number to install the airtime on my XXXX. I noticed the pin number was rejected when I tried to use it. 

I then contacted XXXX to see if I could resolve the problem and was told that although the pin number was good, the airtime card was not made for my type of phone. 

I then contacted XXXX stores and explained my predicament to them and asked for a refund. Upon my inquiry, I was told that XXXX stores does not offer refunds for phone airtime cards. Matter of fact, if XXXX  would have been willing to offer me a credit to spend at any of their stores, that would have been fine with me. But no, that was it, case closed! 

Anyhow I then decided that since I had made the purchase with the XXXX XXXX XXXX card that connects to my checking account that I would take the matter up with my bank ( XXXX XXXX ) and contest the charge ( see documentation ) Yesterday, XX/XX/XXXX, I decided to pay my XXXX XXXX Credit Card balance and noticed the transaction I had made with the debit card had now migrated to the XXXX Credit Card ( see documentation ) Matter of fact, if you call up XXXX and inquire if the Ecard pin number has ever been used, they will corroborate that it never has been used.