davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (GA)

We are being harassed and threatened by American Express regarding a Amex Everyday charge card ending in XXXX. I have been repeatedly contacted on several occasions by XXXX XXXX! He has called relatives discussing my debt which is being paid based on the last statement received by American Express based on minimum amount due on the statement. He started utilizing harassing and discriminatory tactics XXXX/XXXXXXXX XXXX and I very distraught regarding these illegal tactics. I have also communicated with American Express with a written letter in XXXX XXXX stating that my family has been experiencing extenuating financial and medical circumstances when my sister was hospitalized for 34 days in ICU and recovering from a major medical condition and stated the amount we could pay. My mom is the assigned manager on my account and has communicated this to American Express as well. This was placed on the application and set-up online in XXXX. If they have deleted anything in their system, it was very unethical when they know I set this up for her to manage. She was also recently contacted again by XXXX XXXX on last week after she told him that the bill was paid based attached statement received from American Express display minimum amount due and she requested that he not contact her again or 3rd parties regarding my account. They contacted 3rd parties on 3-4 different times over the last month. The 3rd party relatives had also requested that they stop contacting them as well but they still wrongfully persisted!
My family is going through a difficult time right now and are trying to do our best with keeping up with payments and request that XXXX XXXX or any other collection Representative cease in your illegal and discriminatory tactics against me, as I have paid the minimum amount reflected on the latest attached statement for XXXX XXXX.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting inaccurate personal information on my credit report that needs to be deleted.
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect SSN : XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : XXXX XXXX XXXX  Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX 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 XXXX, CO XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2017-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

On XX/XX/XXXX my father was found dead in his home in XXXX. Has his eldest daughter the responsiblity fell on me to see that he was laid to rest respectfully, has a result i had to take time of from work take my kids out of school and go to XXXX to make the neessary arrangements. My father was laid to reston XX/XX/XXXX, however this event cause me to fall behind on my mortgage and other bills. Since then it has been very strenuous for me to get caught back up on my mortgage resulting in my action to file bankruptcy which was discharge. Upon my bankruptcy discharge i filed for a loan modification with my mortgage company whish was approved on XX/XX/XXXX. The aggreement was that i was on a trial period plan and that i must pay {$650.00} on XX/XX/XXXX ,XX/XX/XXXX and XX/XX/XXXX and when those payments are made they would send a some documents for me to sign that will finalize the loan modification. After making XX/XX/XXXX and XX/XX/XXXX payment on time i received a letter stating that i was denied my loan modification due to not signing the trial agreement. I call Ocwen to let them know that i didnt received any such documents and if i did why would i not sign it. I explain to them that this is my home and the only home my kid have why would i not sign that papper and send it back. I keep telling the man on the phone that i never received the document he then said to me that it shouldnt be a problem he reasure that all would be ok and that he will email me the form to sign and fax back to him which i did that same day on XX/XX/XXXX. I call back a few days later and i was told that i have to apple for the loan modification all over again which i did and i seem to get is the run around and no answer. Now i was summons a forclosure notice which im trying to get help with. At this moment i dont know what to do or where to go. Thanks for your time.
Consumer complaint received 2017-07-25
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. (LA)

I am the victim of ongoing ID Theft and have several fraud items reporting on my EQUIFAX credit file that please need to be removed ASAP. Police Report has been sent to EQUIFAX several time.
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

I have an app called XXXX in which I can deduct money from the hours I have already worked and deposit it into my account. However the app has to see that I got paid via direct deposit. The bank lags or takes its sweet time to update and post the direct deposit information. Sometimes it can take as long by as 2 business days. Other banks like chase update their information much much quicker
Consumer complaint received 2017-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Bank of America I put two " Stop Payments '' on my checking account ending in XXXX on XX/XX/XXXX. One was for " XXXX XXXX '' and the second was for " XXXX XXXX XXXX '' ( these are really the same company, they changed names ). I also put a " hold '' on this account so money could be deposited but none could be withdrawn and I transferred all funds except {$1.00} to my other checking account ending in XXXX. <P/>The check # XXXX was changed to a " Check Conversion Voucher '' and honored on XX/XX/XXXX. The bank used my overdraft protection and took the funds from my savings account in the amount of {$490.00}. <P/>I received two Stop Payment Request Letters from Bank of America dated XX/XX/XXXX. I am sending the one copy, however, I accidentally shredded the one for XXXX XXXX XXXX and the bank said they could not send a copy because this is an automatic letter when stop payment is requested.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I had a satisfactory account with  XXXX   XXXX  for over  three years. There w as a total loss to the vehicle and a balance was due that I was n't aware of. I subsequently qualified for a second loan with the institution 5 months prior and was never contacted about the first being in rears. The following year I discovered it in derogatory status on my credit report and immediately paid it in full. Representatives of the institution refuse to update my credit report accurately.
Consumer complaint received 2017-07-25
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. (OK)

I currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (TX)

On XXXX XXXX, 2017, Ally Bank executive customer relations XXXX XXXX stated her company adjusted my account {$630.00} in compliance with the settlement entered by Ally Financial , Inc., the Consumer Financial Protection Bureau ( CFPB ), and the U.S Department of Justice ( DOJ ) by subtracting it from my original agreement for the purchase in accordance with section 2 ( e ) of the contract signed. However, section 2 ( e ) describes Our right to purchase required insurance if you fail to keep the vehicle insured ( see attached ) nowhere in the section referenced is the statement ( in part ) you agreed that we may subtract any refund from what you owe. I believe Ally is confused with the difference between settlement and credit. The definition of legal settlement In law, a settlement is a resolution between disputing parties about a legal case, reach either before or after court action begins. The term settlement also has other meanings in the context of law. The definition of credit verb add ( an amount of money ) to an account Therefore I am requesting Ally show documented proof that they have the authorization to disperse settlement funds by subtracting it from the original loan agreement, and proof the funds were applied to the account by a copy of the loan activity record. If no credible justification can be provided a check in the amount of {$630.00} be sent in my name to my home address.
Consumer complaint received 2017-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (KY)

I logged into my AES Success account, where my student loan is held, on approximately XX/XX/17 and noticed that my interest rate had gone up. I am on a variable rate plan but the company did not notify me of this rate change as they have in the past and I have no idea what my new payment amount is going to be, which is due to be automatically withdrawn from my account in three days ( XX/XX/17 ). I contacted the company to ask for a notification of the new payment terms and twice received the response that my rate is subject to change with the market rate quarterly, but still have no documentation of my repayment terms with my new payment amount. Under my loan payment details I can find a monthly payment amount for XXXX of the XXXX loans, which appears to be the same as my previous monthly payment amount, and the other XXXX has dashes where that amount should be. I sent a third request today, XX/XX/17, asking for details of my new repayment terms and new monthly payment amount and am awaiting the response, which is first come first serve so it could take days. I would like to be notified in advance the next time my repayment terms change as I just happened to notice the new interest rate after signing into my account, without any notification from the company.
Consumer complaint received 2017-07-25
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. (NY)

I have a problem with the way the credit bureau agencies calculated my credit report. Specifically I pay a monthly fee to keep track of my credit report with www.freecredit report.com which is related to Experian. I used to have an overall credit score of XXXX since XX/XX/XXXX ( above XXXX since XX/XX/XXXX ) I used to have a car loan for a car leasing that was set to expire on XX/XX/XXXX. The last installment was paid off on XX/XX/XXXX. Before the term of the expiration on XX/XX/XXXX, I got another car, leased with the same company. The problem was that last week on XX/XX/XXXX my credit score went down to XXXX ( 40 points less ) I called Experian and they explained that since I had paid off the leasing, the formula they use penalized me because I seem like a higher risk since I have not an auto/home installment loan in my report. I explained that In fact I ''traded ' my old car for a new one and that there is in fact a car loan in place. Since it was not in their system I had to call the car agency and after some research they apologized and said that for some reason the new leasing was not reported to the credit bureaus. They reported it and on Monday XX/XX/XXXX it showed up on my report with a bump of 5 points to XXXX. I called again on XX/XX/XXXX to Experian complaining that why would I be penalized 35 points in total since the only thing that happened was that I traded one car for another and that in fact basically the same amount of monthly payments was due. Again they said that there is nothing they could do, that I had to wait 24 months for my score to get back to where it was. They suggested that I call XXXX which is the national foundation for credit counseling. I called the XXXX and explained the problem. A counselor suggested that the only thing he could think off was to call the CFBP. I did and the person suggested that I could always file a complaint online. I decided that I was wrongfully drastically penalized in my credit score for no logical reason. The calculated credit score is harmful to me specifically since I may be requiring a home mortgage loan soon. So in the end I am filling this complaint in order to correct this unfair credit calculation.
Consumer complaint received 2017-07-25
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. (OK)

I currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar  companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Experian is neglecting to delete these items from my credit report.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (TN)

around the month of XXXX 2017 me and my wife had let a friend stay with us which had fallen on hard times. during this time while we were at work he got on are computer and ordered things using are pay pal account are user named and password were stored in are computer which gave him easy access to are information. i alerted suntrust bank when we learned of these transactions and opened a dispute with them. a provisional credit was issued to us for the claim. this provisional credit became permanent. at the same time as the provisional credit was issued more transactions were attempted taking the provisional credit away from the not authorized transactions. upon noticing this a call was made to sun-trust again to open yet another dispute which was opened and closed in a matter of 2 days and denied even tho they were from the same batch of transactions the bank approved as fraud. making matters worse the bank did not block more transactions from going threw they allowed multiple attempts at a nsf fee of XXXX to add up to more then XXXX dollars. even after emailing the bank to block all attempts from pay-pal to remove funds. after several attempts to get this fixed i received a notice of collection from sun trust bank. i called there disputes dept and was told there was nothing that could be done at this point as the matter had been given to the collection agency and i had to call them. i filed a BBB complaint against sun-trust which quickly got a response from them that now a rebuttal form was being sent and they would look into my complaint which they denied was not even possible when i called them. i sent in the rebuttal form via usps around a month ago and received nothing from sun-trust.
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I called Navient on or around XX/XX/XXXX and spoke to a gentleman in the private student loan department about lowering my monthly payment because it has been a financial struggle for me to pay almost {$800.00} a month in student loan payments ( which is half of what my mortgage is for my house! ) I explained the situation to the person on the phone who proceeded to tell me that I may be eligible to lower the payment if I extend the repayment terms out to lower my payment. Upon checking, he said my loans were not eligible for this but had no explanation as to why they were not eligible. So I asked him what should I do if there comes a time where I ca n't make payments at all? Im supposed to let my loans go into default? I asked him what other people do who can not make payments and he said that they basically have to let their loan default and ruin their credit. How is this fair to people who want to actually pay their loan, but are just asking for affordable payments? It 's absolutely absurd and I think they should have better repayment options for private student loan holders.
Consumer complaint received 2017-07-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CT)

Dear XXXX XXXX XXXX ( Citibank/The Student Loan Corporation ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.
Consumer complaint received 2017-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

I applied for the Loan and was waiting for a response or call because that whats the message read. Instead there was no call the money just appeared in my bank account. Once that happened I thought oh that was easy and it was like great because I needed the money but then the more I thought about it I was like something isnt right. I called and was notified that for my {$800.00} loan I would ne expected to pat back {$4600.00}. I looked at the payment plan that was sent and that 's where I learned the Apr of 540 % thats when i knew I was in trouble. Please help!!
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

While reviewing my credit report XXXX 2017 - I have a debt amount {$1500.00} with Pinnancle/Resurgent. I do not owe this and have NO CONTRACT.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I called XXXX 2017 to voice concerns to Wells Fargo Dealer Services that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Trident Asset Management, L.L.C. (PA)

I am being billed from XXXX XXXX XXXX in XXXX, NYfor medical whom I am currently enrolled in XXXX XXXX XXXX XXXX 3 accounts open on XX/XX/XXXX for {$530.00}. Current billing agency is XXXX XXXX. Also I am a victim of fradulent activities for a account bill of XXXX for {$180.00} opened on XX/XX/XXXX current billing agency Trident Asset management.