davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I pay my bills off fully as they come via online banking. I thought online bill pay took a day or two to clear. I didnt realize that that a payment could be mailed and could take five days to process. So in XXXX I paid my bill on XX/XX/XXXX. Not due until XX/XX/XXXX. It did not post until the XXXX. They are charging me a late fee. After reading the bank policies, I see that I could take five days. That still should post on the XXXX, not the XXXX. 

My original complaint was over my XXXX bill. I paid it on the XXXX thinking it was it was online, not mailed. It was due on the XXXX. They are saying they didnt receive it until the XXXX. When I complained to the XXXX  XXXX  XXXX  I got this letter, with a completely different date structure. But if this is really the late payment, I was even earlier on this payment and it should have cleared with two days to go. 

Im arguing the original late payment and the ones that compounded while I fought the first. I dont know why its taking them so long to process a payment but I shouldnt be charged since I didnt realize that it was online bill paying. But even more so because the five days check window is clearly a processing issue on their end. And I should never have paid the {$37.00} in XXXX because it was a late fee that I didnt pay attention to and it was incorrectly paid. So ultimately I should be refunded {$37.00}. I did owe the penny as I see that I missed it in the XXXX payment.
Consumer complaint received 2019-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My mortgage was transferred to SLS effective XX/XX/2019. I contacted XXXX on XX/XX/2019 to inquire about the status of my loan. On XX/XX/2019, I spoke with XXXX regarding the payment I remitted on Tuesday, XX/XX/XXXX. He stated that the payment was not reflected on my account. I proceeded to ask him about the status of my mortgage. He reported that its due for XXXX-XXXX  with {$66.00} in late fees and XXXX in uncollected receivable fees. I inquired about the latter and mentioned that it was foreclosure fees. 

I was astounded because this was the first time I heard of this as Ive been in contact with XXXX practically every month since XX/XX/2019 regarding the status of my loan. Several representatives informed me that while XXXX was in bankruptcy, I needed to ensure that all payments were made and that problems would occur if I was delinquent in excess of 121 days. Spoke with XXXX & XXXX on XX/XX/XXXX ; called on XX/XX/XXXX & XXXX ; XX/XX/2019, spoke to XXXX ; XX/XX/2019 spoke with XXXX and called on XX/XX/XXXX. 

I called SLS on XX/XX/XXXX and spoke with XXXX. He informed me that I shouldve received a good bye package in the mail stating that my loan was transferred along with the bankruptcy fees. 
Yesterday, XXXX XX/XX/XXXX credited my account XXXX. The payment I made last week was returned because it was sent to the wrong address!!! 

Im at a total lost as none of this is making any sense and everyone I speak with provide me with different information. No mortgage company should function like this.
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I was in a car accident and my car had been totaled. I was in need of a car that same weekend for work because I travel and have to carry equipment. Nothing was really explained as to why it was charged, it was simply here 's the fee with no explanation behind it. I was under a lot of stress just trying to get a car because of how quickly I was going to need it for work. Because of the distress that I was under I was not able to ask any of the proper questions and they had the ability to charge me any sort of Financial Charge without me being able to question it.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/FFEL PARTICIPATION INTERESTS partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

After submitting a request to Equifax on XX/XX/2019 to freeze & add fraud alert on my credit profile. As of today XX/XX/2019. The company has yet to respond to my request. This is a violation. 


In addition, XXXX XXXX XXXX XXXX still reports as verified even though the information being reported is inaccurate and a violation of FCRA. 

XXXX XXXX XXXX  XXXX- currently reports a reaged account. This is a violation.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I called Bank of America to close my Cash Rewards Visa account. After being put on hold for 25 minutes, I was finally able to talk with someone. 
The representative confirmed that my account has {$0.00} balance and has a cash reward of {$4.00}. 
For the cash reward, I requested a check to be mailed out to me to the address I confirmed in the beginning of the call. 
However, the representative told me that since the amount is less than {$25.00}, they can not do it, regardless of the account being closed, and despite the fact that I earned it.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports for XX/XX/XXXX and XX/XX/XXXX regarding SouthEast Toyota Finance, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I have never paid this account late. 
Therefore, I expect all these items will be removed from my credit files immediately.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I believe that BOA has practiced deceptive practices and violated my rights. I believe that identity theft is taking place. I am the secured party and original account holder. When this account was created they placed me on the " debtors '' side of the ledger. I am a living man of this land and I am the " creditor '' of this account according to XXXX definitions. This account was created with my autograph which then created a promissory note. When I make a " transaction '' that then creates an " obligation '' according to 18 U.S Code 8 and House Joint Resolution 192 the " United States '' is responsible for all obligations and debts. I do not live in the " District of Columbia '' nor do I live in the XXXX definition of a " State '' either. I also have a business account with BOA and I do not hold public office according to their definitions of " Trade or Business '' this is deceit on behalf of " WE THE PEOPLE '' who conduct business with BOA. 

Reference : HJR 192 26 USC 7701 ( a ) ( 9 ) 18 U.S. Code 1342 12 U.S. Code 83 15 U.S. Code 1 7 CFR 1956.54
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have filed multiple complaints about information on my credit report. As of XX/XX/2019, XXXX XXXX is sending me emails sating that a XXXX XXXX account isn't being paid, but I have checked the status and it is saying that it is current. 
I have said multiple times that the primary on that OLD account negotiated a new deal with a dealership in order to obtain a new vehicle. This was all done WITHOUT my knowledge or consent. 
I was told that it is none of my business as to what was negotiated yet I am still being harassed about this said XXXX account. 
My credit score dropped 61 points and according to the credit bureaus, there were no changes to status, which is why I am curious as to why it dropped 61 points out of nowhere. 
All of my accounts are paid and up to date. 
XXXX XXXX has been harassing me constantly, sending emails about raising my credit scores by opening personal loans through them. 
They have also included my home mortgage into my accrued debt which has nothing to do with my car payment or my credit cards and are constantly telling me that if I refinance it will help my scores. 
This is a scam, dropping my credit scores to scare me into opening new credit cards with their help and to obtain personal loans with their help. 
I have documentation showing that no changes were found but my score has dropped. 
This is now becoming harassment. 
I have done nothing but pay my bills on time. 
The credit bureaus are dropping scores for the XXXX of it to see who is XXXX  enough to open up a loan through them and through XXXX XXXX. 
How is any of this legal!!!!???? 
This is
Consumer complaint received 2023-10-16
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)

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. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, have violated my rights. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

XXXX XXXX XXXX XXXX and apex asset management XXXX PA XXXX XXXX XXXX XXXX PA service XX/XX/19 Balance of bill in the amount of {$110.00} was paid in full and deducted from my checking account on XX/XX/19 I was in the hospital XX/XX/19 staring receiving bills in XXXX original amount was over {$280.00}. 
I called XXXX XXXX XXXX explained I had many bills from co pays and coinsurance and was paying all of them something each month, explained i would make payments which i did starting in XXXX we are talking two months here. I made payments resulting in the {$110.00} balance in XXXX .even though I was making consistent payments and contacted their office they still sent my balance of XXXX to Apex Collections, ( not fast enough for them!!! ) NOTE I paid the balance to XXXX of XXXX prior to receiving any notice from Apex. I contacted APEX-XX/XX/XXXX they say neglected to update the records and now i need to send proof. To me this situation is unjust and undo and unnecessary harassment. XXXX received payment and should rectify this matter!
Consumer complaint received 2019-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I XXXX XXXX am a XXXX year old retired woman. I along with my husband are on a fixed social security income. In addition, my husband has been hospitalized most of 2019 and is in a XXXX. I keep receiving invoices from a law firm located in Pennsylvania, claiming that they are trying to collect a debt from a debt buyer known as LVNV Funding LLC. The letter also claims that the original creditor was XXXX XXXX XXXX  XXXX. I believe that this debt is so old that it can no longer be collected in the state of Tennessee. However, I can not pay this collection, and between my husband 's health and my own personal issues, I request a full history of this debt, including its sale to the debt buyer entity. I request forgiveness of this debt in exchange for a 1099C income against me and my personal income taxes. I simply have no money to pay on this invoice, and I along with my husband are in poor health. Thank you!
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (IN)

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2019-11-17
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. (TX)

Experian online and app is hindering my credit for months and possibly years.. I bought the premium service from Experian and noticed my score to be very low. I investigated and uncovered that they are reporting that I am using 115 % of my credit. It would be impossible for anyone to use that much when 100 % is all anyone could use..in reality I'm only using 20 % of my credit ... I have 7 accounts that are perfect in payments and never have been late, yet they report that I only have one account in good standing with current bad payments on all the rest.. this seems to be the case across the board on all my 3 reporting agencies on there app and online services ... When I called Experian to complain about the problem they played phone tag with me..they continued to send me to the dispute center over and over again even after I explained that this was an app issue and online problem that needed the developers technical services they continued to play phone tag.. one employee informed me that I should speak to my bank 's financial analyst after speaking to there supervisor to resolve my problem.. My banks analyst has nothing to do with Experians app or online problems with incorrect data, glitches or malicious practices of incorrect data.. When I finally spoke with someone with half a brain, they told me they would expedite a ticket to there online and app services to correct the problem ... its been 2 weeks and the problem still exists ... during these exhausting 2 weeks of calling over and over again I never once spoke to a supervisor or someone in charge after repeatedly asking to speak to one, they just continued to blow me off of my requests and returned to playing phone tag with there dispute department ... please help me resolve this problem with this credit reporting agency as they are illegally reporting false information and playing with my life 's and my credit.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX - Loan # XXXX Pay off amount - XXXX $ In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Funding/ XXXX XXXX XXXX XXXX was asked to validate the said debt in the amount of {$1000.00} and {$660.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account that has been later found to have a fraudulent signature on them. The head accountant on XXXX signature was on the account information they sent me when my attorney contacted him he had no knowledge of it. Bankers can no longer robo sign documents as the case pending with the DOJ now against several big banks. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.
Consumer complaint received 2019-11-17
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: First Investors Servicing Corporation, Atlanta, GA Branch (WI)

First Investors Financial is claiming my payment was not made in XX/XX/2019. I have proof that my XX/XX/XXXXpayment of {$340.00} was made on XX/XX/2019. This was my final payment to pay the loan in full. It even indicates this in a statement on their website! Yet they claim I was over 30 days late in XX/XX/XXXX on my credit report. I requested an investigation through XXXX and First Investors didnt correct the issue, they left it as if it was accurate. I want them to correct this bogus entry immediately! I would appreciate any suggestions you have to correct this issue. Attaching screen shot of records from First Investors Site backing up my claim. 

Thank you in advance for your assistance with this matter.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL (NY)

I tried to sign in tonight so I can send a message in regard to this situation and after only one attempt to log in, for some reason it told me I was locked out. How could that be? First problem. They must be experiencing server trouble tonight. I certainly was not about to attempt to call in at XXXX XXXX! 
I was surprised at my min amount due this month. I have been making my payments and on time for quite a while. In XXXX I also sent a large payment to try to reduce this bill and the min monthly due. I have not used the card since some time in late XXXX or early XXXX. The debt is all from vet bills. 
I was shocked to notice tonight, after some time, that the interest I being charged monthly on this card is pretty much my entire payment due! This is outrageous. At this rate I will never get anywhere! A bunch of interest free or low interest charges are all dropping off one by one and very close together due to the offer that the XXXX had. 
I am becoming concerned that I am not going to pay off this bill in years to come. I have a working son who will help me but it is very high. 
Something has to be done here. I was trying to contact them tonight to get this going.. If the interest rate is not lowered and I am going to continue on with a rate that belongs in bars.The interest rate is insane for this card.I am sincerely hope that the bank might still seem tense. I feel I am not going to be able to make my monthly payments very soon.
Consumer complaint received 2020-09-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (AZ)

disputed these inaccurate incomplete & inconsistent items on my credit report payment history, Uploading XXXX  & XXXX  credit report that shows the errors & the inconsistency and incomplete is a violation, why is it so different if you get your information from the same creditor. 

To Whom It May Concern : I pulled a copy of my credit report and found the XXXX XXXX payment history is inaccurate, inconsistent and incomplete.l request that you deleted this item of my credit file and send me an update copy of my credit report. 

From, XXXX XXXX
Consumer complaint received 2019-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (AL)

I received a call a few months ago, about a bill in the amount of {$1300.00} from service dating back to XX/XX/XXXX and i had no notice before this call about this bill, no calls and no bills. If i have no notice about a bill from 5 years ago how can can they do this to me now? 
I am also pretty sure when i got the call they said the date of service was from XX/XX/XXXX which would make it XXXX years old.