davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Student Loan Debt Agency (PA)

I was contacted by XXXX XXXX XXXX XX/XX/XXXX regarding student loan debt with an increase of XXXX in collection charges the department of edu did not honor my debt rehab program with them and sent the information to XXXX, once contacting XXXX XXXX XXXX they stated that I would go into 9 month rehab program and after the program a new servicer would contact me so XX/XX/XXXX payments where started of 33 $ every month on the XXXX of the month automatically, all payments where made up until XX/XX/XXXX completing the successful rehab program, I called XXXX XXXX XXXX XX/XX/XXXX to inquire to why I have received no contact regarding new servicer. On the call the lady explained they had the incorrect contact information for me even tho they where sending everything to my current address etc, the women advised me to make another 33 $ payment for XX/XX/XXXXI did, after this I received a letter stating I fell out of the program even though I completed all the paperwork required 1040, w2, financial disclosure in XX/XX/XXXX which that is how my payments where calculated. So now its XX/XX/XXXX and still no answer to why they have not had any other servicer contact me to take me out of the debt which is affecting my Score. They seemed to have no information no notes on call nor the program even though they took the payments, they are falsely advising and not following federal guidelines for debt collection, the dept of edu is not accepting calls. So Im paying this debt every month for now 10 months and the rehab program is not being followed by XXXX they are still attempting to collect debt with the 14,000 in collection fees they have not contact any servicer regarding my loan nor sharing the information with the dept of edu, they are continuing to keep me in default regardless of the so called program offered. They are attempting to place me in another 9 month program saying they havent received proof of insurance which was never requested everything was sent via email.
Consumer complaint received 2021-01-27
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: Westlake Services, LLC (GA)

company is in violation of multiple offenses of federally protected consumer rights. 
company is illegally reporting on my credit report without my consent and permission. 
company has shared private consumer information without my consent.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION (CA)

I have " Authorized User '' accounts that are not reporting on XXXX, but are reporting on other CRAs ( XXXX and XXXX ). I and the primary cardholder ( XXXX XXXX ) have both spoken with these creditors ( XXXX XXXX and Navy FCU ) concerning this issue. In both cases the creditors have affirmed that they have reported their accounts to XXXX.I have notified XXXX of this issue on 2 occasions and XXXX " Specialized Fraud Team '' dept. said that the 1. Navy FCU with credit-limit of {$17000.00} is being reported as deleted. 2. XXXX XXXX has not been reported at all. XXXX representative ( XXXX ) can be reached at ( XXXX ) XXXX ext. # XXXX.
Consumer complaint received 2018-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

My account with ace went into collections when my wife lost her job and we were struggling to pay bills and we are back on our feet and currently waiting on back pay from the military for being on the XXXX XXXX XXXX. On XX/XX/XXXX ( which isnt a payday ) my account was withdrawn by ace for {$410.00}. I called in panic and I was told there was nothing they could do by a manager and that he will ensure it doesnt happen again and he will stop the overdraft and that we can do that according to my contract. But I e signed a paper that says I dont want auto draft and he agreed and said he will fix it. Because of that payment I wasnt able to pay rent and eventually had to break my lease and move on XX/XX/XXXX because I couldnt afford all the late fees and double rent and was threatened for eviction. After being told he would fix it I didnt worry about it and would pay the loan in full in XX/XX/XXXX. On XX/XX/XXXX {$690.00} was drafted from my account which is another non payday causing overdraft and my first rent here in our new place I cant even pay rent again, my car note cant be paid again. I have a XXXX year old and a XXXX month old. I looked for my contract and couldnt find it anywhere, I also went to other loan sites from previous borrowers and found my contract but I cant with ace and theres no proof of it so I need to see it. Why on earth would you take money from an account that goes into collections when collections means I clearly am having trouble paying it back, like why?? And the payment amounts are large and inconsistent which is also unfair. The guy told me he would handle it and he didnt and I need that money back into my account
Consumer complaint received 2018-03-05
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 AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 funds were transferred from my checking account by XXXX Transfer ( Conf # XXXX ) for 'XXXX  , XXXX . ' I called Bank of America & was told that I would not be responsible for this theft. Later I was told by BOA 's Fraud/Claims that an investigation would be done & claim # XXXX was assigned. OnXX/XX/XXXX I was told that my claim was denied as this transaction was consistent with previous transactions. A XXXX XXXX Sheriff 's report was filed ( # XXXX ). A claim " denial letter '' was received on XX/XX/XXXX stating that this transaction " was authorized by you '' ( me ). In another phone conversation I was told I had no other recourse. On XX/XX/XXXX I wrote to XXXX XXXX XXXX, BOA 's CEO. 
OnXX/XX/XXXX I received a call from XXXX XXXX ( Executive Fraud? ) who was to look into my claim, On XX/XX/XXXXI received a BOA fraud statement that I had requested several weeks earlier, completed it & sent it to BOA. On XX/XX/XXXX, XXXX XXXX told me that my claim was again denied. He said that reconsideration would only be given if my computer was found to have malware or a virus. A scan was done & no such virus or malware was found.
Consumer complaint received 2022-11-16
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. (TX)

There are accounts in my report that are completely unknown to me. They are reporting inaccurate and outdated data that should not be on my report. They are violating my FCRA.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (PA)

Convergent Outsourcing is reporting the EXACT same account twice on my credit report in attempt to " double dip '' and make my credit worse in hopes to collect. They also have yet to provide debt validation I requested. I would like the accounts removed from all 3 credit bureaus since Convergent can not report them properly.
Consumer complaint received 2018-03-05
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. (MA)

RECURRING INFORMATION, Proof that XXXX XXXX XXXX violated and reneged on an agreed Payment Plan. Attached you will find a letter sent to XXXX XXXX, CEO, XXXX XXXX XXXX Corporate Office on XX/XX/2017. The letter clearly spells out that the agreed upon Payment Plan is for {$81.00} to be withdrawn from my checking account each month. I now provide proof, back-up and support that {$81.00} was withdrawn from my checking account with XXXX Bank on XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. The bank statements show and explains the withdrawals. Following the last withdrawal of XX/XX/2017 the withdrawals stopped without notice or written confirmation to me. The account was them placed on credit bureaus ( XXXX, XXXX and Equifax ) that I had defaulted and then charged off. XXXX, Equifax and XXXX did not investigate and discarded my complaint to the benefit of XXXX XXXX XXXX becoming co-defendants. I have now received a collection notice from the XXXX XXXX XXXX XXXX XXXX : XXXX. It is my belief that XXXX XXXX will be somewhat displeased that individuals within their organization would purposeless damage and harm the financial well being of an unsuspecting consumer. I believe that my experience with the credit bureaus will get national attention and rightfully so!
Consumer complaint received 2022-04-28
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. (MI)

In Accordance with Fair Credit Reporting Act : XXXX XXXX XXXX, has violated my rights. My account # XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written consent/instructions.

15 U.S.C. 166b A. A creditor may not treat a payment on a credit card account under n open end consumer credit plan as a late payment for any reason.
Consumer complaint received 2021-08-13
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MECHANICS BANK (CA)

On XXXX XXXX XXXX, XXXX from Mechanics Bank ( her number is XXXX ) vhad repeatedly researched all the numbers associated with my name discussing my auto loan. I had missed one payment and she repeatedly left messages, texting about my auto loan, when I had left her a voice message for her to stop searching and calling different numbers leaving messages and texts. However, she has my home address and phone number for contact. This is not the first, I had faxed in letters stating for Mechanics bank not to search and call other people / phone numbers repeatedly. When I had called her, she does not answer the phone. 
She had called again recently, even when I had left her a message stating I will make the payment this week. 

In the future, I would like Mechanics Bank not to leave messages or text other numbers, she has my personal contact on file. I hope she does not do this to other consumers, as she is very rude when she leaves messages, not even a thank you or polite way to end the call on all her voice messages and texts.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I have been trying to repair my credit ... I was struggling with debt after a divorce and was trying to get my credit back. I had been working with a CCC to settle my debt. They did not.explain that they would first XXXX out cards and make me seriously late before they settled ... and now I pay Equifax to help me monitor my credit and it shows me it is XXXX and I have them to send it to my back for a home loan and they send them XXXX. I NEED XXXX to get my builders loan to build my home ... and now I am 54 points below where I need to be ..because I was being told by Equifax and XXXX that I had a score of XXXX and it is really XXXX. I HAVE A SNAP SHOT SHOWING WHAT IT IS.
Consumer complaint received 2022-04-28
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. (IA)

I checked my credit report and there where inquiries from identity theft reported on their on my XXXX and my transunion and when i tired to have them remove it they wouldn't.
Consumer complaint received 2021-12-09
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. (CA)

I became a victim of identity theft XXXX of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i dont know any of these companies that was inquiring about my score half of them look like they arent even in the same place with me other accounts they are saying is past due isnt i have the proof just as well as i have the other complaints that were sent to the ftc about the illegitimate XXXX XXXX that i knew nothing about
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

on XX/XX/2022 i received a text message that i was being charged XXXX for an item and they gave me a number to call to cancel. so i called the number and they said i had several accounts open on amazon and they were going to try to close those accounts. they had me on the phone for hours so i didnt answer any of the bank texting me. somehow they started transfering out of my saving accounts to my checking. then they transfered {$9500.00}. out of my savings account and i havent received any of it back.
Consumer complaint received 2019-03-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (PA)

I was contacted by XXXX XXXX XXXX XX/XX/XXXX regarding student loan debt with an increase of XXXX in collection charges the department of edu did not honor my debt rehab program with them and sent the information to XXXX, once contacting XXXX XXXX XXXX they stated that I would go into 9 month rehab program and after the program a new servicer would contact me so XX/XX/XXXX payments where started of XXXX $ every month on the XXXX of the month automatically, all payments where made up until XX/XX/XXXX completing the successful rehab program, I called XXXX XXXX XXXX XX/XX/XXXX to inquire to why I have received no contact regarding new servicer. On the call the lady explained they had the incorrect contact information for me even tho they where sending everything to my current address etc, the women advised me to make another XXXX $ payment for XX/XX/XXXX I did, after this I received a letter stating I fell out of the program even though I completed all the paperwork required 1040, w2, financial disclosure in XX/XX/XXXX which that is how my payments where calculated. So now its XX/XX/XXXX and still no answer to why they have not had any other servicer contact me to take me out of the debt which is affecting my Score. They seemed to have no information no notes on call nor the program even though they took the payments, they are falsely advising and not following federal guidelines for debt collection, the dept of edu is not accepting calls. So Im paying this debt every month for now 10 months and the rehab program is not being followed by XXXX they are still attempting to collect debt with the XXXX in collection fees they have not contact any servicer regarding my loan nor sharing the information with the dept of edu, they are continuing to keep me in default regardless of the so called program offered. They are attempting to place me in another 9 month program saying they havent received proof of insurance which was never requested everything was sent via email.
Consumer complaint received 2022-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I closed on the sale of my XXXX on XX/XX/22 with a HELOC payoff amount communicated to me by Citizens Bank on XX/XX/22. Upon further review, the payoff amount quoted by Citizens ( {$620000.00} ) is roughly {$1800.00} more than I should have owed. I believe this to be due to a glitch in Citizens systems whereby some of my prior accrued interest may have been capitalized incorrectly ( even though I attempted to pay the amount due, it was not paid ). I would be willing to even accept this glitch, but even if the interest was capitalized, it should have been relieved from my accrued interest. Therefore, my interest balance on the payoff document was much too high. I have all the supporting documentation to prove this. I have attempted to resolve this issue with Citizens customer service for 4 months ( 1 call per week lasting about 30 minutes each ) and am finally giving up and taking every available legal recourse I can. I am constantly told my Citizens that their " back office is handling this '' and that I will receive a summary of the calculations justifying the payoff amount. This has turned out to be a lie. Based on my other dealings with Citizens while applying for and servicing the debt, I am starting to think that this may be due to corporate malfeasance rather than simple incompetence. Case number XXXX with Citizens.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-24
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. (MO)

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, Transunion & XXXX are still reporting the fraudulent accounts.
Consumer complaint received 2018-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

Highest Balance {$4100.00} Opened XX/XX/2017 ( 6 mos ) Account status Open Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX It has now been put to Phoenix Finacial Serv. 

I had went to the emergency room for a XXXX  on my XXXX, I had insurance, and had my card I put down my information thinking this was a urgent care, I had understood this was an urgent care after everything was said and done I was told my insurance would cover it and went on my way, now I'm looking at a XXXX $ bill I have no idea how I got no information was sent to me it just got out into collections.
Consumer complaint received 2023-04-03
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. (NJ)

Good afternoon on XX/XX/2023 Equifax dropped by score by XXXX points. I have been questioned numerous times and filed a complaint. still, nobody is able to give a reason why my credit dropped XXXX points. 

Hope you can help me with this issue. 
XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (AZ)

Approximately XXXX weeks ago I ordered a replacement card through the bluebird app. I have yet to receive my replacement card. I have tried to withdraw the funds from the card through a service that they offer in the app. No matter how much I try to withdraw it says that the transaction can not be approved. I have been trying to call and speak to somebody and customer service since the XXXX of XXXX. This morning XX/XX/XXXX, I was finally able to speak to somebody who told me to just try using my card. After explaining to her three times that I do not have the card because I never received it she told me to wait until tomorrow and then hung up on me. Every time I have tried to call back I get an automated message saying that the computer system needed to take my call is not available. Then it tells me to push zero to speak to a customer service rep and hangs up on me after I push zero.
Consumer complaint received 2019-03-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems (AL)

MIDWEST RECOVERY SYSTEMS has been attempting to contact me and harrass me over a payday loan i took out in XXXX, according to XXXX XXXX. 
I filed a chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX. 
after contact with my lawyer they proceeded to hit my credit score on XXXX  illegally. 
the amount they are attempting to collect is {$880.00}. I spoke with a representative of XXXX XXXX on XX/XX/XXXX and they assured me this is a SCAM.