davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (GA)

In XX/XX/XXXX, I received a copy of my credit report. I noticed that XXXX XXXX had placed an entry on my report and had not previously notified me that they were allegedly attempting to collect a debt from me. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. To that end, I disputed this entry to the credit bureaus in XX/XX/XXXX. XXXX, XXXX and XXXX alike stated the account was verified. I followed up with this company disputing the entry they placed on my credit reports. In my most recent attempt at researching this alleged debt, I sent a dispute dated XX/XX/XXXX to Convergent. 

In this dispute, I requested that Convergent provide an agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary. 

Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. Convergent 's response provided mere screenshots of information that could be very well manipulated and falsely created. 
Also, the screenshots provide no validation to the alleged debt being mine. This item should be DELETED immediately from my reports.
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC (IL)

I started to work for the company LOAN DEPOT in XXXX of 2020. They Promised me a new position as a manager. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were two different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, loan depot will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Credit Karma (GA)

I used my Credit Karma XXXX debit card at a XXXX XXXX atm located inside a XXXX convenience store in XXXX, Ga. My credit karma account was charged {$400.00}, but the atm DID NOT dispense the money. When I contacted XXXX XXXX, they frankly told me they were not going to do anything about it. So I called credit karma. After 2 weeks of emailing back and forth, Credit Karma closed my account. My XXXX  account and my credit monitering account that Ive had for years. And didnt refund my {$400.00}. I have no number to contact them. They stopped acknowledging my emails. I want my money back.
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

This loan is a Predatory Loan ever since the Mortgage industry crashed/failed in XXXX, and XXXX  XXXX XXXX never adhered to the Foreclosure Review Team. Now Select Portfolio Servicing , Inc has my loan now.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Equifax refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Equifax, but Equifax refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TX)

I was a majority shareholder in two companies after my Husband died on XX/XX/2017. An individual named XXXX XXXX XXXX was involved along with another group of individuals in diverting revenue and creating a large amount of debt with these companies. XXXX XXXX XXXX was a tax preparer under XXXX XXXX a company that my Late Husband and my father XXXX XXXX XXXX owned. In fact my father became was given the POA after my Husband died. There was several years of tax fraud using PayPal account utilizing my social security number as the individual responsible for paying taxes on the income generated. I have reported all this to law enforcement and have even filed a civil criminal court petition on behave of the two companies affected. However, I have been unable to repair my credit and move forward with my life due to the enormous amount of debt that was unlawfully attached to my Social Security and my Company EIN number.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX.
Consumer complaint received 2021-08-13
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: RSI Enterprises, Inc. (CA)

XXXX  showing two medical collections listed by RSI for {$780.00} and {$500.00} RSI stated to me that the collections submitted by XXXX to them was for x spouse and do not belong to me i was not the patient I spoke To accounting at XXXX XXXX who stated she could not call RSI to tell them the bills did not belong to me however RSI says they cant remove unless XXXX calls them as they couldnt verify I was really XXXX XXXX even though RSI stated i was not the patient they still needed XXXX to call XXXX said finally said they would call to remove but haven't i have disputed with XXXX  but they still have not removed these two accounts.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am in XXXX. XXXX. The Bankruptcy court however did NOT REQUIRE me to send mortgage payments to the XXXX. I AM paying them directly thru my personal account. Thus allowing me to be XXXX XXXX. I HAVE BEEN paying them and not misssed payments on these two. One was Opened in XXXX XXXX XXXX XXXX  ) as an equity loan. Trans Union IS NOT SHOWING this loan or my # XXXX mortgage loan ON MY Credit Reports!!! They are Not listed so I have NO credit history or a FICO score. 

The bank ( XXXX ) along with an attorney of mine several years ago tried to rectify this problem. TransUnion has IGNORED this problem. 

The main mortgage on my home is also NOT SHOWING on my credit report.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

I recently opened a checking account with BBVA Compass. Originally I opted in for overdraft protection until I realized that the fees were being assessed though an overdraft was not processed. I spoke with a supervisor on XX/XX/XXXX and as he credited me a credit for over draft protection and I agreed to opt out of overdraft protection. On XX/XX/, I transferred {$35.00} to my checking account to cover a transaction that I was about to make. My transaction went through. I was charged a XXXX fee. When the funds were in my account. My account is a XXXX because I have been charged {$38.00} 3 times. 1 for my purchase on XX/XX/ and 2 additional of for XXXX and XXXX. If I would not have been charged {$110.00} ( 3 XXXXX ), I would have XXXX in my account. In addition, on XX/XX/XXXX I agreed to opt out of overdraft protection due to the fees. The representative advised that computer automatically assess the fees to the account. BBVA Compass need to fix their system. This is an unfair and deceptive act and practice.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (TX)

i am a XXXX of XXXX.Ms XXXX present to my office for treatment on XX/XX/20 for XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX i offered her a XXXX XXXX XXXX for XXXX which she agreed to and signed all the relevant paperwork.ms XXXX treated from XX/XX/20 to XX/XX/20 of which Care Credit funded the treatment to the amount of XXXX ms XXXX then told care Credit she didn't agree to the treatment, after receiving 14 visits with all the daily SOAP signed by her, then Care Credit issued a charge back on my Account and the money ( XXXX ) was withdrawn from my Account I would like care credit to reimburse me in the amount XXXX
Consumer complaint received 2020-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Radius Global Solutions LLC (NM)

I believe that I am receiving a letter from a scammer indicating that I owe {$99000.00} in student loans with a payment of {$15000.00} due now. With numbers like these I believe this letter is coming from a scammer because I have been managing my student loan debt with a well-known student loan creditor. Ive never heard of global radius solutions and the amount of debt is totally unrealistic and would appreciate your help on dealing with this letter I have attached to this complaint.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data Search NY, Inc. (MD)

I have contacted the office multiple times regarding my account, I am frequently told by the representative that # 1 there is a restriction on my account and # 2 I must speak to a supervisor. I provide the oral permission to remove any communication restrictions regarding the account, once this " occurs '' I am either transferred to a supervisor or their voicemail. No one ever calls me back. The last time I contacted the office, I was told to send an email providing a written statement to remove any account restrictions regarding communication. I have not received a reply to my email and when I called again, I was told that there was a restriction on my account still. I am confused as to why representatives are providing misinformation regarding removing the restriction while we are on the phone and thus have now moved to having me email to remove the restriction IF the task isn't going to be completed. I have contacted the owner of the account XXXX and the servicer TrakAmerica and both companies state that contacting XXXX XXXX XXXX to remove the restriction is the only option. The representatives from both organizations do not understand why after numerous calls XXXX XXXX XXXX has refused to do their part. 

I have sent over multiple emails and a hosts of faxes to communicate with XXXX XXXX XXXX. I have contacted the office by phone a minimum of three times a month regarding the debt. After mailing a certified letter requesting to verify did I receive communication from XXXX XXXX XXXX regarding verification. All conversations, emails and faxes regarding resolving the account lead to dead in roads. I am instructed by supervisors to email over settlement offers, payment arrangements etc but I do not ever receive a response.
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I was given a {$33000.00} loan on a {$12000.00} Nissan XXXX. I can no longer afford the payments. Nissan will not do anything about rewriting the loan or giving me an option with a lower payment. I was told my only option is to voluntarily surrender the loan but would still be responsible to pay close to {$20000.00}.
Consumer complaint received 2021-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was told if I provided all information, including my degree, proof of employment, financial records, tax documents and the fact that I have paid a private loan on time for over 4 years. My co-signer would easily be removed. after receiving the run around for my private loan with navient ending in # XXXX. Not only was I declined a co signer removal after talking with staff and managers alike they laughed in my face. To the degree where a representative told me and I quote. " Well if you want out of this loan, you should just pay it off ''. I lost my job of 4 years to covid in XX/XX/2020. Not only did I never miss a payment I paid on time. To hear staff and managers be this inconsiderate and tone deaf to our society and what we are going through was extremely sad and disgusting behavior. 

Next issue is a private loan with Navient that was paid in full in XXXX. It is loan ending in # XXXX. I have called several times because not only has the loan been paid off, it is still reflecting on my balance due. It is bad enough that my balance is $ XXXX for an XXXX XXXX, which to be honest seems criminal considering the jobs in which I can get with an XXXX XXXX will never equal to my compensation being $ XXXX. The private loan is paid in full and still reflecting on my navient account. I called today was transferred 3 times had to give my entire personal information in full from social security number, address, DOB and phone number and then still had to verify which account I was calling on to 3 different people. This has happened so many times in the past I have lost count. Today I was kept on hold by a manager who proceeded to tell me they see it's a charge off they can't do anything about the over $ XXXX balance remaining on the account or that it is adding to an overall balance due of $ XXXX but then attempted to transfer me to the charge off department within navient that somehow magically closed. I'm beside myself. If I could waive a magic wand I would of never went to school. These issues have brought me to attempted suicide and add to my stress to where I ended up having a misscarriage. This entire system is flawed and is destroying lives. We need help and people that work at Navient need to be investigated and fired for misconduct. If I could I would bring up criminal charges against them.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OR)

Was charged an annual fee of {$450.00} on XX/XX/XXXX an account that has not been used and since been cancelled. Cancelled around XX/XX/XXXX American Express is trying to collect a fee on a cancelled unused account. They will not reinstate the account with the perks nor let go of the {$450.00} fee. 

How can a huge company like this try to collect for an annual fee on an account that was almost right away cancelled after the charge of {$450.00}??
Consumer complaint received 2016-11-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (MN)

I received a call today from a XXXX XXXX from Assets Recovery and Associates. The call came to my cell phone from XXXX. Said XXXX County is going to sue me on behalf of XXXX. I asked for something in writing from him he said no and that I owed over {$10000.00} from 2002. He kept repeating my address and county and the last for digits from my SSN. Telling me he was going to sue me if I did not pay to settle the debt. He said he has all my personal information about me and has my credit report. They were suing and putting a lien on my credit report and house. They said this is on my credit report, but I just looked at my report in the last month and there is nothing on there. Refused to provide any information in writing to me. I believe this violates the FDCPA. While he was lecturing and yelling at me on the phone i did a XXXX search and it appears that there are complaints all over the country. The state of Washington appears to say this could be a scam. An attorney blog states they are doing illegal practices.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

I have a PayPal account, and I recently received a limitation from PayPal, which I was able to resolve by providing all necessary information ( business information, my ID, and other information ). After the account was restored the next day, I received another limitation that did not make sense, so I contacted customer service, and I found out on the next day that the account was permanently closed. and i still have my fund in the account, they claimed that they will hold it for 180 days, and I am not happy with this decision since they did provide any reason for closing and holding my funds
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (WA)

Payment was sent on the XXXX of XXXX from my XXXX account and was never processed at the XXXX processing payment center until the XXXX of XXXX. 

So I sent copies of my bank documents showing it was sent in plenty of time, yet I know am being charged a late fee, for sending my payment 6 days prior to being officially late on the XXXX. 

Apparently I as well as many have experienced this same issue without resolution obtained from the XXXX Nevada XXXX XXXX, who apparently handles the XXXX Payments?
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went down.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I am a member of the class summarized in this formal complaint to PayPal Credit : XXXX XXXX XXXX PayPal credit opened a credit line with Synchrony Bank without my consent or authorization. A current balance with PayPal was then applied to the Synchrony credit line without my knowing, which incurred monthly late charges. These series of late charges from this rogue account brought my near perfect credit score of 840+ down almost two hundred points in a matter of weeks! 

I was finally able to get the fees dropped and the credit line closed, but the delinquent remarks remained on my credit report. I was told by a PayPal Credit employee that a letter would be sent out to request the delinquent remarks be removed, but almost a year later, the remarks are still there. This is blocking a current home mortgage application for me and my wife to be. PayPal Credit 's negligence is jeopardizing my housing situation and future, and I can't even get a representative to help me. We can only see the derogatory marks on credit reports and do not even have the account numbers or any information about the account. Every time we try to call we get sent back and forth between PayPal and PayPal Credit with XXXX resolution.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/XXXX I submitted a complaint/dispute ( Case # XXXX ) regarding a hard hit inquiry on my Transunion report from XXXX XXXX on XX/XX/XXXX. Transunion never responded to my dispute and therefor is in extreme violation of the Fair Reporting Act time requirements. Therefor Transunion needs to remove this disputed hard hit inquiry from my credit report immediately.