davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (VA)

Conn 's has reported my account past due iao {$19.00} and showing past due for 30 days based on an fee. The pay account that I normally use for payment was changed due to fraud and I forgot to update the new account information. The payment came back returned and once I realized what had happened I immediately went into the account to make the payment. My contractual payment each month is {$31.00}. That payment was made on XX/XX/20 in full. Conn 's reported the account past due for 30 days on XX/XX/2020 and cause my credit score to drop 30 points and added a negative mark to my payment history. I called in XXXX, and have tried to resolve the issue with the company several times this by chat and phone and have yet to get this issue resolved. I was told that the supervisor would call me back before the XX/XX/XXXX and no one yet has called me still to this day. I reached out again on XX/XX/20. The rep stated that they can include the fee into the contractual payment amount due for that month. I advised that this was illegal and that technically they were changing the loan agreement without my consent. Conn 's changed my payment amount due for the current month to include the fees as the actual monthly payment due. I would like my payment amount adjusted to show the contractual payment amount due each month.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (PA)

The reason for this complaint is for inquiry into the Collection item listed on my credit report from Military Star, This account was opened back in XXXX, I've spoken to a representative from Military star about the two missing payments that I located none of which were capture on my account. The payments are- XX/XX/XXXX and XX/XX/XXXX both for {$260.00}, when I read off the address that I mailed the money orders off to ( AAfes. Attn : CP operations XXXX XXXX  XXXX XXXX TX XXXX ). 

The representative from Military Star stated, Oh you were given the wrong mailing location, I stated even if so I'm sure the items would have been forward to the correct department? Somehow these two payments we're never credited to my account the receipts for these two items where missed placed and could not be found until just recently, The first thing I did was to check to see if the items were cashed this took some time due to the time that had elapsed. 

As shown in the attached paperwork these items were cashed but not applied to my account, when my account went delinquent I'm not sure where these payments would have placed my account, now I do understand that I did owe money to Military Star and because these were cashed and not credited to my account I do not want any funds back but could my account be cleared of the collection or removed completely. Please feel free to review the information that I have submitted and the actions that I took to ensure completeness of all issues to show good faith.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I have just Today received from XXXX regarding a situation of what I believe to be tax evasion??? I received this 1099-A form today re : a terminated ( upon illegal foreclosure on XXXX ) this statement attached showing that XXXX XXXX XXXX  to be the lender now ( this keeps changing over the past few weeks ) It appears that XXXX is trying to avoid paying taxes on this closed account while reporting it as follows to Equifax as being behind 2 payments : CREDIT ALERT FROM EQUIFAX : NEW/CHANGE ACCOUNT Questions? Need advice? 
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CLEAR ALERT FLAG ALERT DATE : XX/XX/20 ACCOUNT : XXXX - HOME LENDING Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Also see form 1098 look at ID numbers. is attached This was closed upon the illegal foreclosure sale on XXXX and also see the attached 1099-A form showing a different ID number for the IRS. What the XXXX is going on here???
Consumer complaint received 2020-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

In XX/XX/XXXX I began the re-certification process for my Income Based Repayment Plan. I submitted a re-certification through the department of education website and indicated that my AGI as reflected in my tax returns were not reflective of my income. I did not fill out the form the right way, apparently and it was rejected. I tried to re-fill it out but I received another letter indicating I was not in the period to re-certify so my application was rejected. I subsequently rectified the issue with my original application and on XX/XX/XXXX received a letter from Navient indicating that my IBR request was granted through XX/XX/XXXX and that my payment would be {$190.00} going forward. I began making my payments of {$190.00} in XX/XX/XXXX. ( See email ). In XX/XX/XXXX I received a letter from Navient indicating my payments were scheduled to go up dramatically, to almost {$800.00} per month, despite the fact that I was already in the program and not scheduled to re-certify. 
I was on the phone for an extended period of time with Navient during which time they indicated that because I allowed the IRS to link to the Department of Education my XXXX tax returns showing our joint AGI,  they were changing my payment amount. They have since asked me to again re-submit an application with explanation of my income. This is despite the fact that the letter dated XX/XX/XXXX clearly indicates that the decision to grant the program was based on my representation that, despite the tax return, that I indicated on my application that I was " married with no access to spouse 's income. '' This is the second time in the last year I have been inappropriately removed from the IBR program early. The first time I had to call and I was placed back on. This time, however, Navient has refused and asked for me to re-certify again despite the fact that I have already re-certified through XX/XX/XXXX.
Consumer complaint received 2020-01-22
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. (CA)

fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX   account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

There are multiple duplicated errors listed.Department Of XXXX, showing delinquent hsitory from over 7 years ago. The way that they are reporting is damaging my oppourtunitis to continue my education. 

XXXX XXXX XXXX is showing delinquent history over 7 years reporting. This account is paid as agreed. XXXX XXXX not mine, my account paid as agreed. 

XXXX XXXX XXXX is not mine belongs to my spouse. I don't recall signing this loan.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Look its simple, but department store is difficult. I purchased clothing at kohls in XXXX for like {$95.00} bucks with cash, while purchasing I got myself a kohls debit card and it was accidentally charged to the card as well. So I paid cash money on XXXX XXXX or the XXXX and never should be in this situation. The receipt says kohls charge so I filed with kohls to solve this by looking at the cameras on the date and time of purchase to show me handing over {$100.00} cash to the employee. Kohls has repeatedly called and called wanting money while I wait for resolution. Im being charged and affecting my credit unfairly. This needs to be resolved they are affecting my life
Consumer complaint received 2020-02-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

We had a car loan with Bank of America, the final payoff amount on XX/XX/XXXX was approximately {$64.00}, the bank continued the automatic withdraw we had been paying for the life of the loan at {$740.00}, about {$670.00} dollars more then we owed them. We called the Bank and were told they would process the credit and give us a refund, in the next two weeks or more. They are not compensating us for interest and banking fees and we are just supposed to accept as standard operating procedure. If we were late on a payment, I would receive a whole list of fees and interest. They basically stole money from our account that we did not owe and we are being told to be grateful they will give it back to us sometime in the future. On top of this they closed our account since no balance due and removed our access to the account. However we are owed money from a closed account.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score had dropped because of a missed payment. As soon as I saw it was Bank of America and the amount I immediately paid the bill in full from my bank account website. On XX/XX/XXXX I received another alert from XXXX XXXX about a missed payment, it was a {$3.00} interest charge. I immediately paid the {$3.00} fee. On XX/XX/XXXX I called Bank of America to find out that my account has been closed due to non payment. This caused my credit rating to fall from XXXX to XXXX. I was advised that I was on a paperless plan that I did not agree to and they were unable to send bills to my email address on file for an unknown reason. We verbally verified the email address and it was correct. I spoke to XXXX XXXX and he filed a Credit Dispute Form. 

I have not had any contact from Bank of America regarding this account balance or missing payment. I have received paper statements in the past and I have received many emails regarding credit increases, new cards etc. but I have not received any billing statement. Until this incident I have not had any late or missing payments.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MI)

On my XXXX statement I noticed An interest charge of {$1000.00} After checking and trying to make A payment is when I noticed this charge Called and was told my promotion ended And they added the interest without informing me My promotion was 12 months same as cash then interest on the balance going forward I was told by the gentleman I spoke with He didnt care what I was told at the beginning this is how its done He did give me a week to pay off my account This is not what I agreed to I agreed to 12 months same as cash Please help if you can
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting that I owe {$620.00} on mycredit reports I never had a XXXX XXXX  card nor was I a authorized user on this account like they are tellng me not my account
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

I sent an electronic payment of {$200.00} through my online banking ( CHASE ) that uses XXXX to send money on XX/XX/19. The other person received a confirmation text for the money but the money was never deposited to them. I was advised through my bank to wait 10 days for the money to return to my account since the recipient has not received funds. I waited 10 days and nothing was refunded to me. I filed a claim through my bank for the loss due to the money never being returned to me. I was given a confirmation number of XXXX from a manager by the name of " XXXX '' and was told that they would extend a courtesy refund. 
I have not received my money back, the recipient never received the money. XXXX refers me back to my bank, my bank now says there is nothing that can be done and that my money is lost.
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after four separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. They continue to tell me " they have verified the debt as belonging to me '' but refuse to send the methods they utilized to arrive at this conclusion. Yet, reporting this information on my credit file causing me stress and financial harm.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Back in XXXX my debit card went missing. I do not know if someone took it from my backpack, picked it up from the floor, or even if I left it in the machine. I was at the merchant in question ( XXXX XXXX ) shortly prior to the unauthorized use of my card. I immediately locked/blocked the card via the mobile app when I realized it was missing. Then called the bank. These 'people ' ( i use the term loosely ) then denied my claim because the card was present and there were no signs of fraud .... the original agent I filed the claim with did not record the claim/info correctly ... resulting in the claim being denied and my acct being rebillled. I demanded a re-review ; and was advised it would take 45 DAYS .... only to discover today that a 2nd review was never even done, and the agent never even filed the claim correctly to begin with.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management unlawfully filed a claim when they dont have jurisdiction, they dont have the legitimacy or authority. Their robo lawsuits are unfair, deceptive and abusive causing me substantial harm and injury to my name and reputation.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This XXXX account was sold to XXXX XXXX XXXX , XXXX. I called the original creditor which it was XXXX XXXX, and they told me that, they aren't reporting this account to any of the credit bureaus because the account was sold. I have a letter from XXXX XXXX XXXX , XXXX stating that that account is not being reported by their company either, if non of these two companies are reporting this account then this is being reported inaccurate on my credit reports. By law I have a right to dispute any inaccurate information that is on my credit report, I need the credit bureaus to delete this account from my credit reports, this account has not been verified nor validated at all. I demand that this matter be investigated and documentation bearing my signature be provided to me, as it is required by law.
Consumer complaint received 2020-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, I attempted to deposit {$1300.00} ( XXXX XXXX dollars ) into my personal checking account at Citizens Bank  five minutes after the branch had closed. The ATM could not complete my transaction and would not return my cash, instead issuing me a slip that told me to contact my financial institution ( as attached ). I saw an employee still in the building and knocked on the door. He saw my struggles and told me that their software has been recently updated and had led to many ATM peoples for multiple people. He also advised me to call the number. 

I immediately called Citizens Bank 's customer service number and filed a claim with them for the missing money. I was given the claim number XXXX ( as attached ) and I was told I would hear back in 7-10 business days. 

On the following Tuesday ( XXXX XXXX ), I visited the branch and told them what happened over the weekend. They advised me that the ATM company picks up the money on Wednesdays and they would call me to let me know when the money was found. I left my name, number, and all incident information with the teller. 

On the eighth business day ( XXXX XXXX ), I went to the branch to deposit money and asked about my claim as I had received no notification or even acknowledgment thus far. The teller advised me to wait a few more days and that it would probably be posted soon. 

Today, XXXX XXXX ( 12 business days later ), I went into the branch again and asked about my claim. The teller finally pulled me aside and contacted their claims department personally for me. The teller then advised me that my claim had been denied and the matter was now closed within their company. They told me I was notified of this on XX/XX/XXXX, but I received nothing and had no idea about this.
Consumer complaint received 2020-02-04
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: LEXISNEXIS (MO)

LexisNexis is reporting a public record that allegedly belongs to me. When I requested my file, I noticed the the reference number was tied to a social security number that was not mine. I asked LexisNexis to verify and they stated that they did. I then requested the method of verification and they sent records of what was in my file but not how it was verified. I sent a letter from the courts stating that LexisNexis had not verified any such public record with them nor started any motions to obtain such records. This public record remains in tact due to a third party verification and I'm not sure what exactly they looked at because when I used the same method they used to " verify '' my search yielded no results for my full name and the last 4 of my social. Providing LexisNexis with the PACER results and a letter from the courts was still not enough to correct the error on my file. The public record still remains, and my consumer rights to request information have been violated continuously by this organization.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo credit card account number XXXX was opened to finance hearing aides. Initial Offer was finance free for 1 year with a {$3000.00} balance. This credit card has been open for approximately 2.5 years. Over the course of the credit loan, Wells Fargo has been charging {$38.00} each month as a late fee, offering no grace period of any kind but was never informed at the time when I established the account. Normally credit card offers some period after the established payment pull date. The fees have been exorbitant, creating a situation where it would have been paid off by now, however the fees have just continued to accrue.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (CA)

I went to the emergency room on XX/XX/2018. My part of that bill was {$250.00}. 
The collecting agency now is ARSTRAT - PHONE : XXXX # XXXX Since that time I have spent the majority of these months on XXXX XXXX  XXXX. I receive XXXX XXXX. {$250.00} is a little amount - but to me it is a lot. My mom agreed to help me with the debt even though she is retired and on a fixed income herself. She has made TWO payments in regard to this matter. However, ARSTRAT continues to bill us the full {$250.00}. I have called three times, and they always say they have no record of ever speaking with me and no record of receiving any payments, and that I need to pay the {$250.00} immediately. 

I spoke to the business office of the original billing department, which was XXXX XXXX. They DO have record of two payments, and assure me ARSTRAT has the same capability as they do to see these payments that have been made. So I called ARSTRAT back once again and asked to speak to a supervisor. They transfer me - but then the phone just hangs up and I get a dial tone. 

ARSTRAT has told me repeatedly they can't see any payments I made to XXXX XXXX, although XXXX XXXX says this is not true, and that ARSTRAT can see any payments which have been made to this service on XX/XX/18.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX, Department of Edu XXXX XXXX XXXX XXXX, are duplicated so many times that there's a total of 21 accounts reporting all inaccurately reporting information too. 
XXXX XXXX XXXX XXXX are both past 7 year reporting.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX, Department of Edu XXXX XXXX XXXX XXXX, are duplicated so many times that there's a total of 21 accounts reporting all inaccurately reporting information too. 
XXXX XXXX XXXX XXXX are both past 7 year reporting.