davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (VA)

I am a victim of identity theft because someone unknown has been using my name and information and opened accounts. I reported to the FTC and to the creditors but the creditors do not remove the accounts that are not mine
Consumer complaint received 2018-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (CA)

My cousin required bail money so I applied for a loan, I got approved for {$900.00} dollar loan on XX/XX/18. According to my payment schedule I was going to end up paying back XXXX XXXX dollars. 

I called to the company to make payment of XXXX dollars back on XX/XX/18, I asked for my balance after the payment, they said it was XXXX ... I said why if the loan was only XXXX dollars and there shouldn't be much of an interest. 

I received a new payment schedule and its broken down over a 5 month period. After calculating the new installment plan its not XXXX dollars that I will be paying back, but {$950.00} This company loan sharks consumers ... my interest rate per year was going to be 743.2627 % and they make it difficult to actually payoff the amount. When I talked to a representative I asked them questions and they lied and mislead in order for them to sell me the loan
Consumer complaint received 2018-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by XXXX IMMEDIATELY AFTER I sent the money and realized the sale was a scam but XXXX REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted XXXX and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and XXXX said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. XXXX and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and XXXX doesn't care about it's customers or trying to stop fraud before it happens.
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OR)

I responded to a promotional offer from XXXX and opened a XXXX cellular account on XX/XX/XXXX, which represented four lines and two new phones purchased from XXXX. The sales representative assured me that I had a 14-day free trial period within which I could cancel service, return the two phones, and owe nothing. 

The service proved unsatisfactory so I cancelled my account on XX/XX/XXXX and returned the phones to XXXX, within the 14-day trial period. XXXX emailed a cancellation confirmation, copy enclosed. 

Four days later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$2200.00}. One month later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$310.00}, followed by a paper copy. Obviously, neither the first nor the second bill was correct nor justified under the terms of the free trial. Upon cancellation of my account, XXXX blocked access to my account so billing details were unavailable to me. Billing details were evidently unavailable to XXXX representatives as well since multiple phone calls to XXXX representatives were unsuccessful in providing details of the charges. 

I mailed XXXX the enclosed letter, dated XX/XX/XXXX, which detailed the facts surrounding the disputed charges, and never received a response. I mailed XXXX a second letter dated XX/XX/XXXX ( copy enclosed ) and never received a response to this letter as well. 

In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX regarding the {$310.00}. I mailed the enclosed letter, dated XX/XX/XXXX, and received no response. 

In XX/XX/XXXX, I received a collection notice from XXXX XXXX, mailed them the enclosed letter dated XX/XX/XXXX, and never received a response. 

Finally, after recently viewing my credit report, I saw that a third collection agency, Southwest Credit Systems, has been retained by XXXX. I phoned them XX/XX/XXXX and was told to provide them with copies of my previous correspondence so they could contact XXXX for further instructions ( copy of my letter enclosed ). 

Given XXXX 's continued abysmal performance in this matter, I will not be surprised if nothing comes of Southwest 's request.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BLINCLOANS, INC. (TX)

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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : BLINCLOANS XXXX XXXX, XXXX XXXX XXXX XXXX, 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 an account without my written instructions.
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IN)

This company reported that I had a alleged charged off account as of XXXX. I have already disputed this account because they have been reporting a improper balance. They never provided the original contract that I owe the debt that bears my signiture. They never provided the purchase agreement which if requested by law they have to provide. Also they over the last few months since I requested validation they have ententionally been reporting mixed-up and confusing inaccuracies on my file. They have went from in collections to open account as well as reporting on my name that I am paid up to date then all of a sudden charged off. They are now reporting that I'm 119 days or 4 months past due on a charged off account. I believe I need legal representation. Because I belive my rights are being violated according to the fdcpa violations. I will upload proof of these preditory tactics that they are trying to use against my name.
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (MD)

Suntrust bank in XXXX Md said I had a credit of {$5000.00} ask where to send i said put in checking, ask do I have to pay this money back she laughed and said no said in 4 days money should be in my account. Have spent about {$900.00}, put {$2000.00} in savings. Last XXXX XX/XX/XXXX person from Presidents office called said all money in my checking and saving they will take, I told her I would as a senior who receive social security and pension be devastated if they took all my money she said today XX/XX/XXXX she will call, spioke to a supervisor who said money will be taken today they have the right
Consumer complaint received 2021-01-30
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. (TX)

Hello, On XX/XX//2020 I opened a dispute on my Equifax credit report. Disputing a debt owed by a company I did not enter into any contract with. 

As of XXXX/XXXX/2020 that dispute has yet to be resolved. 

After verifying my identity by submitting a copy of my driver 's license and social security card. I was told it had been more than ( x ) amount of days, and I needed to resubmit my id & ssc to verify my identity again. 

Answering their 5 verification questions, I always manage to provide the " wrong '' answers according to them. However, the fact of the matter is ; I've answered the questions truthfully and they ate not able to explain how or why the answers are wrong. Even after verifying my identity the first time around. 

To this present day I've done my part to resolve the issue but them not being able to reach a decision, is hindering me from being able to reach my credit goals.
Consumer complaint received 2021-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (KY)

I applied to a 2nd mortgage thru Discover loans recently on line. I was mailed the loan application and received it on XX/XX/XXXX. I gathered all information they said was needed, signed all necessary pages and returned the application through the US postal service 3 day on XX/XX/XXXX ( which they should have received on XXXX XXXX ) I have not at any point during this application process received any correspondence via email, phone call, or US mail from Discover Loans asking for additional information or concerning any problems with my application, but today on XX/XX/16 I receive an email from them stating that they have been trying to contact me and due to not being able to do so have closed my file and that I am free to start this process all over again. Again I repeat, at no time have has discover card reached out to my in anyway about anything. The obviously have my information on how to reach me ( I got the email when I started the process and one when they closed it but not a word from them in between ) Which leads me to question what really is the issue
Consumer complaint received 2018-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Navient calls me and my mother who is my co-signer excessively. I can't believe I've been paying these two loans for 10 years and they still won't make it affordable especially where I live. I went back to college 10 years ago to get a better job but I live in Ohio and my area code is XXXX. We live in a village. There are no jobs here. None. I can't tell you how frustrating it is. 

But my husband is sick and we can't leave. So therefore I'm trying to make the bills with my job and my husband 's XXXX. It's hard. I thought for sure going to college would make a difference in our income but it hasn't yet. That's been 10 years ago. Navient has told me over and over I can't release the co signer my poor mother whom is XXXX   years of age. So I keep trying over and over again. 

Navient hasn't helped me much over the years. Excessively calls through auto systems, they also didn't help to lower payments, they also said there was no way to release my mom.
Consumer complaint received 2019-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

With zero notice, Chase Bank closed my account. I called them, but they refused to tell me why my account was closed. Further, they couldn't tell me when my money would be returned to me. Very shady. 

I feel like they are very discriminatory perhaps because of my ethnicity, my age or my gender. 

They didn't even attempt to reach me before closing the account. They didn't want to discuss it. They made an arbitrary decision based on some unknown factors. 

There was nothing strange going on with my account. I had just funded it a week earlier. It was in good standing. In fact, I had set up a transfer of money to give them even more money. 

Chase Bank 's actions clearly caused me to not have access to my money. And not having access to my money is currently causing extreme financial hardship.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Penn Credit Corporation (PA)

It was reported on XX/XX/2019 and its def inaccurate because I have spoken to XXXX XXXX and they verified that this info is not accurate at all because the accounts that I have with them is up to date and def not that much money please if something is not done in removing this account from credit I will most def take further action and if i have to it will not be good thanks again
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX/XXXX duplicate reporting XXXXxxx Never disputed and always in " Good Standing ''. XXXX XXXX XXXX  XXXX Same as above. XXXX XXXX XXXXxxx- Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.
Consumer complaint received 2019-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MI)

On XX/XX/ I submitted a debt validation request to Convergent Outsourcing XXXX : XXXX. By certified mail. In the amount of {$1400.00} I requested written confirmation of the following information. Amount owed, Detailed calculation of the balance owed, Copies of the signed agreement showing this account is my obligation, Proof of the time/statue of limitations pertaining to this debt, Proof of company license to collect debt in my state, as well as licensing numbers and Registering agent, Verification of original creditor and original bill of sale. On XX/XX/ Convergent Outsourcing only provided me with XXXX billing statements. I submitted a 2nd debt validation letter on XX/XX/ by certified mail requesting the above information for debt validation. Once again Convergent Outsourcing sent XXXX billing statements.No copies of contract agreement, proof of payment history, etc. I sent a 3rd letter on XX/XX/2019 by certified mail stating that this does not meet the Federal Trade Commission XXXX of what constitutes proper debt validation. I received no response and Convergent Outsourcing is still reporting to the credit bureau
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have file disputes in XXXX of this year and i still have not received anything from them. 
Attached are my disputes letters.
Consumer complaint received 2018-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Bank of America credit card, back in 2009ish the account was closed and I was contacted by a collection company claiming that I owed XXXX bucks. I was asking for the information behind the balance and because it was such a little amount told me that they were just going to close it because it wasn't worth their time to get me all of the requested information behind the tiny amount owed. The account closed and was removed from my credit report. Then about 2 years ago the account showed back up on my credit report. I contacted Bank of America to figure out what this was from, I have yet to get any information. I can't get the account removed. I can't get any information about the account. From what I can gather the account is already at the 7-year mark but the dates off delinquency keep changing so it just keeps on staying there.
Consumer complaint received 2017-12-17
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: Experian Information Solutions Inc. (TN)

I have sent in 2 written disputes XX/XX/XXXX, XX/XX/XXXX and countless phone calls. In my written disputes, I have asked for all non-account holding inquiries be removed due to no being authorized by me. I have attempted to contact the companies and each company has no account or information that matches my profile.
Consumer complaint received 2020-06-02
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Searched records seems BoA wasn't the mortgagee in XXXX. They had their XXXX XXXX XXXX XXXX sign in XXXX. 
In XXXX had a service file the changing legal descriptions to add a 2nd house to their forged FHA mortgage. 
Note the FHA loan number on BoA mortgage is fictitious HUD found the mortgage they sold in a pool with the XXXX FHA loan case number a XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NC)

During XX/XX/XXXX, I applied with US Bank to refinance my current loan with them. Company found problems accessing VIN verification document that should have already been in their documents from the initial finance. Since it had taken months, and no headway was being made, I queried my Loan Customer Service on resolution and she said senior leaders did not have a solution so I gave in. In XX/XX/XXXX, I received a notice of credit denial from US Bank. If the bank has initially serviced my loan and had all documents, I believe it is discriminatory to fail to expedite a refinance already held ny the institution, along with showing two credit accesses personally effecting my credit. Here I stand after months of waiting without a loan refi. 

Loan Application # : XXXX
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Michael Harrison, Attorney at Law (NY)

The collection agency, Michael Harrison , Attorney at law, has violated my consumer rights and financially harmed me by their collection tactics. By law under the Fair Credit Reporting Act, they are required to report the debt as disputed with the credit reporting agencies. I have advised them that I am disputing the debt as the medical provider has charged me for a medical service that they did not provide. My consumer rights under the law have been violated as they did not report the debt as disputed with the credit reporting agency, even though I sent them correspondence indicating so. When I called the collection agency, Michael Harrison, the representative was very rude and threatened me. 
I had stated I wished to resolve the debt issue with them but they ignored my request.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I am full class XXXXXXXX XXXX XXXXXXXX. I received a letter from the FSA stating how my loans for attending XXXX XXXX  would be discharged since I had BD claim pending prior for XX/XX/2022. I received refunds of all the payments Ive made on my loans. My loans kept being switched from forbearance to repayment several times when the COVID pause ended. They are currently back in repayment and Im getting late payment notices. I filed a complaint with FSA and XXXX. I have sent several message to MOHELA and have called there too. They said they can not do anything until they are notified by FSA or DOE.
Consumer complaint received 2019-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I was looking for tickets to a sold out show to see XXXX XXXX and I posted in the event 's page that I was looking for tickets. I got approached by this " girl '' named XXXX XXXX, which I dont even know if thats her/his real name, telling me that she got 5 tickets, seats 6,7,8,9,10 and she was selling them for {$70.00} a piece and I told her I needed 2 tickets and I asked her if she had proof of purchase which she provided, but i don't think it was real, however, I gave her the benefit of the doubt and proceeded to send her the {$140.00}, then she made up an excuse that she needed to drive and she was going to do it as soon as she got home but nothing ever happened and she got away with my {$140.00}. She told me to make the payment via family and friends, which I didnt seem to know the difference and that It wasnt covered by the paypal protection. 

I immediately notified paypal that I the transaction was a scam but they denied my case and that's what they said : Hello ____________, We received the case ( s )  you filed on XX/XX/2019. 

We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized.

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address :
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (GA)

This is XXXX XXXX water aka XXXX XXXX. I had been renting a water machine for 17 years and purchase it. I do not know what happen internally but they said I still old XXXX for the machine. paid off later attached