davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (TX)

DATE XX/XX/17 {$750.00} Keep receiving harassing phone calls and have explained multiple times threatening to call my job and other family members! 
Also after further research according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (CA)

I called on XXXX/XXXX/XXXX to dispute a debt that they were trying to collect. The representative I spoke with was condescending and tried to make it seem like there is no way I could be telling the truth. Then tried to tell me that I couldnt dispute the debt unless I sent them proof that I had not purchased the gym membership to a XXXX XXXX XXXX I refused.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COLLECTIONS USA, INC. (LA)

I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my credit reports as follows XXXXXXXX XXXX provide me with a lease.. never lived in XXXX and company that us collections is trying to collect debt for is no longer in business.. Ive contacted this company no response. They cant provide a lease this is not me. 3 year remedy here in Louisiana where I have lived for 5 years. No contract
Consumer complaint received 2017-12-21
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. (GA)

I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX. and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX  companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX  to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided***
Consumer complaint received 2017-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

This is my XXXX complaint against Chase with regard to a repayment plan dated XXXX/XXXX/XXXX the first complaint case number was XXXX. The main point of that complaint was that the agreement stated that at completion of the repayment plan my payment going forward would be {$330.00}. However Chase started sending me notices that I was behind in my payment and were furnishing negative information to the consumer credit agencies. As the attached response from Chase to the complaint states they agreed with me that the payments would be {$330.00} and would contact the credit bureaus to amend the reporting. However now for some reason I am getting multiple phone calls and letters again about being past due on the account, threatening foreclosure, and again falsely reporting negative information to the bureaus. All of this is having a very negative impact on me both emotionally and financially. I received a letter from the Chase XXXX XXXX dated XXXX/XXXX/XXXX that basically states that they feel it was a misunderstanding that the original agreement made mention that my ongoing payments would be {$330.00} this is ridiculous and very unprofessional. They gave some erroneous explanation about interest rate changes that affected the payment but again no correspondence before ever addressed this potential change and I have attached XXXX recent letters from showing the received payments that contradicts what this is saying ( also attached are correspondence from from Chase giving contradictory amounts of supposed past due amounts ). It seems every time a payment is received it triggers a harassing call and additional letters, this is very frustrating and I want it to stop. I have completed the repayment completely as agreed and have never been late on the agreed to ongoing payment of {$330.00}.
Consumer complaint received 2017-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I worked very hard to get my private loans paid off and my federal loans consolidated with XXXX XXXX, and to keep myself in income based repayment. As soon as Navient took over, they continue to put me in forbearance and/or deferment even though I qualify for both income based and public service forgiveness. Because they have not held the interest during forbearance, by interest now comprises half of my total debt to them. I have made many good faith efforts to fix this, all to no avail, and have resorted to hiring a law firm. Navient should pay my legal/document preparation fees.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried calling, via certified mail and get no response other then a standard auto reply! It wasnt a signature showing I requested the inquiries on my TransUnion report! XXXX  and XXXX have deleted ALL inquires! Still I had no SIGNTURE showing proof my next step is to sue!
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (FL)

I received a statement from Wells Fargo informing me that " Your WELLS FARGO XXXXXXXX XXXX account with XXXX XXXX XXXX XXXX XXXX has been sold to XXXX XXXX XXXX XXXX... '' It speaks of amendments to my credit card agreement, but I never applied for this credit card or any credit card from Wells Fargo.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I got the attached document in the mail. I work in the financial industry and I am 99 % sure this is an attempt to get my wife 's personal information. I wanted to share this with you.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MI)

Several times a month I receive emails from Experian stating : " Your Experian FICO Score has changed. 
You have new credit information. Were alerting you right away so you can sign in to make sure everything looks okay. '' Every other email is " Here 's what 's changed : Credit Score Decrease '' or " Here 's what 's changed : Credit Score Increase '' I believe these emails are a lure to subscribe to credit monitoring services. 

I am uncertain about whether or not my Experian credit score is actually increasing and decreasing this frequently. I feel as if these email are intended to cause either excitement or concern that is n't actually necessary and trigger recipients of these emails to subscribe to their credit monitoring service.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FISHER FINANCIAL GROUP, INCORPORATED (CA)

I am at the final stages of closing my refinance only to be told that repairs are now a condition of my loan. I was told by the underwriter/XXXX XXXX on XXXX/XXXX/XXXX via email that repairs are a condition of closing my refinance. When I asked my Loan Officer/XXXX XXXX on XXXX/XXXX/XXXX via telephone, she reported that this was covered in her " intro letter '' to me at the start of the refi process. The only item in the " intro letter '' that could relate is a bullet point that states " We can not lend on homes that have safety issues. '' In the beginning stages of the application process, XXXX XXXX XXXX asked me to complete a " Property Pre-appraisal Questionnaire '' which asks potential safety issues ( empty pool, broken windows, exposed wiring ). This form does not indicate dry rot as a potential safety issue. When asking XXXX to clarify what specific repairs are needed, I was told to reference my appraisal report only to discover that the appraisal that I was given had been revised. The revision was to change it from an " As is '' appraisal to a conditional appraisal. I was not notified of the change in my appraisal nor given a copy of this change in a timely manner. I am still unclear as to what repairs are needed to close as the appraiser is not a general contractor, did not closely inspect the needed areas indicated and only wrote " dryrott on the exterior wood siding at rear of house on laundry addition and eaves around base of roofline around the rear of the house. '' I am frustrated with XXXX XXXX XXXX due to this last minute communication and their failure to notify me of changes to my appraisal.
Consumer complaint received 2017-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I have a mortgage that is serviced by Ditech ( https :  //www.ditech.com/ ). I 've noticed a flaw in Ditech 's online payment process, that I believe to be an intentional act of deception to increase their own revenue in a way that a consumer ( borrower ) would never notice. Let me explain : When initiating an online payment on Ditech 's customer portal, the main welcome screen after logging in will show my current mortgage balance. If my payment is late, or there are any other applicable fee 's, this number will reflect them. 

Now, I click the green button to " Make An Online Payment '', and I 'm redirected to a screen with my past payment history. Here I see a ledger of my prior payments. I then click continue and I 've arrived at the Electronic Payment form which has my payment amount pre-populated for me. Maybe you 're thinking, " How nice of Ditech to make it easy and pre-populate my payment amount ''. WRONG! Yes, that would be convenient assuming I did n't have any late fee 's, but let 's assume I 'm making a late payment. Their form will still only display my monthly payment without penalties and fee 's. Nowhere on the payment form does it show anything about late fee 's. What 's worse is, the total payment field can not be edited, but they do include an " additional amount '' field where you can add to your payment. 

Ok. So I login. I see that I owe {$1600.00} from my main welcome screen. 

*Click* Make Electronic Payment > Continue > Electronic Payment Form. *Click* I see that my payment amount is pre-populated, but this number says {$1600.00}. Huh? 

*Click* Back Arrow, Back Arrow, Back Arrow *Click* Ah, I see, I owe some late fee 's. 

*Click* Forward Arrow, Forward Arrow, Forward Arrow *Click* Now I add that amount in the " additional amount '' box underneath " payment amount '' and everything is copacetic. 

How many people do you think completely miss the fact that they must manually add in their late fee 's? Making a payment in a hurry, I would imagine a very large number of people click through each of the screens without even realizing that Ditech wo n't include the late fee 's on their pre-populated " payment amount '' box. 

By leaving the {$50.00} late fee off, next month that late fee will grow and grow..and grow, leaving Ditech with a nice little bonus. Multiply that by the amount of loans they service and it probably adds up to a very large number. 

They have a very sophisticated portal, so I can not imagine this being a technical limitation. I mean, all they would need to do is pull a different number into the form ( instead of the monthly payment, pull the current balance ). Alternatively, they could include my late fee amount on the payment form, in red. 

They are a massive company that has been in business for a while, so I do n't see this being an accident either. It looks, smells, and feels like deception.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

In short, I disputed credit report from TransUnion and they sent email saying report was updated. However, the link for "VIEW" the completed report does NOT exist or is NOT anywhere on the alleged page stating report is complete. The email sent states that I have 30 days from when TransUnion notifies me but I never saw the first notification and today's notification FAILED to provide me with access to view the alleged report. I am furious with TransUnion, XXXX (who released my personal information in a data hack, and has clearly harmed me), and the other credit reporting agency who have NO accountability to keep the credit information accurate and clearly by my troubles today with TransUnion cannot be bothered by mere "customers" asking to see their credit reports as required by law. TransUnion website has all sorts of "services" available, apparently some for fees, but there is NO link to customer service even after password protected login.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (IA)

I was a member of XXXX XXXX in XXXX XXXX, Nevada from XX/XX/XXXX through XX/XX/XXXX. I informed EOS when I began my membership that I would be moving to Iowa for work at the end of XX/XX/XXXX. The gym manager, XXXX, assured me that I would be able to cancel my membership without difficulty. At the beginning of XX/XX/XXXX I informed XXXX XXXX I would be moving. They then informed me that I would have to notify XXXX XXXX to cancel my membership. I did this by phone in XX/XX/XXXX. My last time going to the gym was XX/XX/XXXX. In XX/XX/XXXXI received a collection call from XXXX XXXX informing me that, no, a phone call would not suffice and I would need to provide a written request to cancel my membership and that I could email this which I did. I received another call from XXXX XXXX stating that while I had cancelled my gym membership this did not apply to my personal training sessions and I was still enrolled with that, despite not having a gym membership. They then informed me that I would have to send proof of my relocation to cancel this part of my membership. They asked for a copy of a utility bill, lease agreement or other proof of my move to cancel the personal training. My utility bill for my rental in Iowa was in my husband 's name and they would not accept this. My rental contract was also deemed as insufficient proof of my move to Iowa. I then provided them with a letter from my employer stating that I had been transferred from Nevada to XXXX XXXX for work. I received no other communication from XXXX XXXX until today, XX/XX/XXXX when a collection company called, stating that I owed over {$7000.00} to XXXX XXXX and that if I did not pay immediately it would impact my credit. I hung up with the debt collector and called XXXX XXXX and they stated that they had no information on my account since it had been turned to collections and they would refer my information to a supervisor for further review. They also stated that they had never received my letter from my employer. I was a member of this gym for 90 days, did my best to comply with the cancellation policy and I live 1400 miles from XXXX XXXX. Further, I am at a loss as to how I could possibly owe {$7000.00}!!!!!
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX/XXXX/XXXX, XXXX made an inquiry into my TRANSUNION credit file due to someone submitting fraudulent information. XXXX reached out to me when they became aware that it was an attempt to open a credit card fraudulently and assured me the inquiry would be deleted. Despite numerous calls and letters to TRANSUNION from me, it has not been deleted as promised.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XX/XX/XXXX Reported XX/XX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (GA)

I attended XXXX a few years ago and being that I was not born in the country-but I am a US citizen now-I was asked if I submitted selective service? I did and I was mailed a confirmation letter. I physically walked into the school and handed paperwork to someone at front desk. The persons took the letter sent to counselor and then a few days later I was admitted to the college and they asked me to apply for financial aid. FAFSA. I was told I had to apply and accept loans for an entire year-although each semester was only about 4 weeks or so. I attended school for about a year 1/2 and About a year later while registering for class I received a notice asking me to contact a counselor regarding financial aid-I was then told I could n't apply for financial aid because of selective service-I was told I would have to start paying them directly for college and I could n't get Federal loans anymore and they were sorry-because of selective service.. I still did n't understand-I had attended for 1 ( XXXX XXXX year. I eventually pulled my credit report and saw an {$18000.00} debt from a company and when called they told me XXXX said I owed and that they paid my student loan debts off ( and they wanted me to pay them ( XXXX XXXX {$18000.00}. I have never received a single sheet of paper explaining this, NOTHING, but when I dispute-they send an electronic notice back to credit bureau saying debt is verified. YET I have nothing, know nothing-no one can explain anything-nothing in writing from XXXX-or the collection company ( ATG ). Credit is being ruined and no one can explain anything.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Enterprise Systems, Inc. (NJ)

National Enterprise XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XXXX XXXX Reported XXXX/XXXX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.