davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (GA)

I had car insurance with XXXX XXXX insurance company. In XXXX I was notified rates went up so I switched to XXXX. I thought my new policy back dated to XX/XX/XXXX but I later found out it was set to start XX/XX/XXXX. I was sent a balance letter of {$59.00}. XX/XX/XXXX I was in the hospital and after being released and put on bed rest I put aside sending the payment. I then entered rehab for over a month and when I was able to tend to my affairs I came across a letter from XXXX XXXX XXXX. They were attempting to collect the {$59.00} from XXXX XXXX that wasn't even 90 days owed at the time of the 1st letter ... I had two letters in my stack of mail. At the top of that next month which was XXXX, I sent the credit agency a money order for {$9.00} on XX/XX/XXXX. I know it wasn't much but I'm on Social security and I was attempting to pay so I sent what I could so it wouldn't go to my credit report. That very next day I received another letter from the credit agency that stated they were offering me an 80 % settlement and to call or mail payment, BUT It didnt specify to send payment IN FULL. Its important to note that at this time it was not on my credit. 
On XX/XX/XXXX I received a notification from XXXX XXXX stating my score had dramatically dropped. I checked my report a was blown away because XXXX XXXX XXXX had put the dept on my report AFTER I BEGAN MAKING PAYMENTS. They listed I owed {$50.00} not the 80 % settlement they offered me. Not to mention the original dept owed on my report states {$59.00} not the actual {$59.00}, I know it's only pennies but it's inaccurate. They had no right to place this on my report AFTER I began paying. I'm seeking for them to remove this from my credit report and honor the 80 % settlement they offered me. That will leave me owing as of today XXXX {$38.00}. If they weren't going to honor my attempt to pay and place this on my report then they shouldn't have cashed my money order.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

In XXXX and throughout XXXX I called up several times to find out repayment plans Id be eligible for and requested information on loan forgiveness. I was told I was ineligible for that. The customer service representatives were discourteous and unhelpful, many times putting me on hold for 45 minutes. When asked to escalate to supervisor, I was refused. A few times I was told - my questions didnt have answers. I asked what about being in a plan making payments consistently for 10 years with loan forgiveness, they said theres no such plan. They said theres no such thing. I said I was having difficulty making payments. They told me they couldnt assist. I had to file for bankruptcy. Suddenly my loan which only has 5 % interest rate went from being XXXX to now {$96000.00} in only 2 years since being with Navient after they have fraudulently charged interest charges and illegal surcharges as this has never happened with the previous lender. I am not working full time right now and can not afford these payments and until they correct and remove the fraudulent charges I will not make payments. I have rights.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I submitted a dispute to XXXX  and Equifax about a bankruptcy public record in XX/XX/2018. The company has failed to remove any account and responded back as verified accounts ''. Therefore, since they failed to comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. Equifax deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. XXXX and Equifax have not provided any documentation ; they did not confirm who verified the information or what company. The local Bankruptcy court stating they dont report to any Bureaus, so how can XXXX and Equifax not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else? They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with XXXX or Equifax. So, how did they verify??? I have repeatedly sent them requests for VALIDATION which they have failed to provide. The public records law states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

( 1 ). What happened?

I have ( 2 ) Collections Accounts reporting on my Transunion Credit File # XXXX, they are : 1-. XXXX : Account # XXXX XX/XX/XXXX This is a Statue of Limitations which is 5 years. DELETE 2- XXXX : Account # XXXX XX/XX/XXXX This is a Medical Bill. I did not give a HEPPA Release of Information Form. This is an illegal collections debt. DELETE I live in another state and I was informed by the company, they're not licensed to collect in NYS.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I submitted a dispute to Experian and XXXX  about a bankruptcy public record in XX/XX/2018. The company has failed to remove any account and responded back as verified accounts ''. Therefore, since they failed to comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX  deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. Experian and XXXX  have not provided any documentation ; they did not confirm who verified the information or what company. The local Bankruptcy court stating they dont report to any Bureaus, so how can Experian and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else? They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with Experian or XXXX. So, how did they verify??? I have repeatedly sent them requests for VALIDATION which they have failed to provide. The public records law states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.
Consumer complaint received 2018-09-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NC)

I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months include that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (ID)

Eight years ago I had to file a bankruptcy. I have worked REALLY hard to get my credit score over 700. In fact, I was able to purchase a house. First, I thought a bankruptcy was only supposed to be on your credit report for 7 years. Second, I thought having a great credit score and also paying every bill on time for the last 8 years there would be no problem in getting a credit card. ( and, I might add, increased salary as well ) Recently, I tried with XXXX. Denied - one derogatory mark - bankruptcy was what the reason was. Next, I wanted to get a credit card with the bank I am using. Again, denied. And I told the bank manager who helped be complete the application that I could bet money I'd be denied but thought I'd try one more time. I feel abused and penalized for something that has been dealt with and no longer should exist on my report. Now, if I must wait for 10 years, okay - not real happy about that but what does the little person have to fight the giant with, right? I hated to have to file bankruptcy and tried everything I could think of not to have to do it. I've decided not to let this " bankruptcy '' determine my happiness, but it really is not nice having to be denied when that was a long time ago. Please help me. Thanks!
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (IL)

I have an account on my credit report from Chase auto-this car was stole off the dealership while I was signed my contract. My old business partner stole this vehicle, the car salesmen gave him the keys to test drive the car without the salesperson in it. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with Chase auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car  through my car insurance, and I tried to help chase get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that chase told me to do and submitted it. I thought it was done, because I didn't hear anything from chase. I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. Chase auto recovery department is now calling me to collect this debt-and Chase credit department respond to XXXX stating that the debt is valid ed. I can't file a police report, because the car is not in my name, and I can't put it through my car insurance because the car was also not in my name. So, now I'm fighting with the credit reporting company, and now getting debt calls from Chase demanding to know where the car is and when am I going to pay the debt.
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (NC)

I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months includes that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.
Consumer complaint received 2018-09-24
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: JPMORGAN CHASE & CO. (IL)

I have an account on my credit report from Chase auto-this car was stole off the dealership while I was signed my contract. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with Chase auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car through my car insurance, and I tried to help chase get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that chase told me to do and submitted it. I thought it was done, because I didn't hear anything from chase. 
I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. XXXX  and XXXX XXXX has blocked/remove this debt off my credit and all three blocked/removed it off my husbands. But XXXX  refuse to remove/block the debt off my credit report. They tell me that it's not fraud because I can't produce a police report. And I can't get a copy of the report, because XXXX pd didn't accept the complaint because the car was never in my name. And now Chase is trying to collect a debt that is Fraud!!!!
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (NH)

I lost my job in XX/XX/XXXX during my maternity leave. By XX/XX/XXXX, we were falling behind on our mortgage payments with Pacific Union Financial , LLC. 

We started the application process for a loan modification through their Loss Mitigation department in XX/XX/XXXX. We continued to check in on our application and submitted and re-submitted paperwork as needed. During this time, we continued to receive certified letters from the lawyers about our house going through foreclosure. However, we thought our loan modification would stop the foreclosure. As of XX/XX/XXXX, our application was under review by the underwriter, and I was informed we would hear back soon. 

On the morning of Friday, XX/XX/XXXX, at XXXX, cars lined up outside my home, and the house was auctioned off as my young children and I sat inside. I called Pacific Union as soon as I realized what was occurring, and I was informed that our application was denied on XX/XX/XXXX, and a letter was mailed to us to let us know. We had not received the letter, as letters from Pacific Union typically arrive XXXX days after they are dated. The reason for the denial was listed as insufficient debt-to-income ratio. They denied our application, and we were not given sufficient time to stop the foreclosure from happening. I asked to speak to a supervisor, and hours later, one contacted me to just say that they sent me a letter, and thats all they could do. 

Furthermore, when the denial letter did arrive from Pacific Union, one of the reasons were denied Type I Special Forbearance was that I was listed as no longer unemployed. This is not true. I specified that I am looking for a job, but I never indicated that I had found employment.
Consumer complaint received 2018-09-24
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. (NC)

I was looking over my credit report and realize that I have a lot of enquiries that did not belong to me. I sent the letters on XX/XX/2018 to XXXX and Experian to please investigate in this I also send out mail to the creditors as well but have not gotten a response from any of them it's over XXXX inquiries and different dates that doesn't belong to me, I also put a freeze on all my bureaus because someone is running my credit or using and I'm looking into getting a report or something done to figure this all out. 
I feel that that this very wrongfully that they're doing this to me as under Section 609 and section 623 I do have the right to dispute anything that's inaccurate under FCRA, I am trying to get on the right path with my credit far as purchasing a home soon I really need this to be taken care of please help XXXX  Experian has given me a hard time and I'll show them all proof as I can with all my identity I sent out letters within a couple of days they said they would not.
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I've tried several times to settle the debt starting back in 2016 they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.
Consumer complaint received 2018-09-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2018 at XXXX a.m., I contacted Midland XXXX XXXX XXXX XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a XXXX credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with XXXX XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.
Consumer complaint received 2018-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc. (FL)

I lived at XXXX XXXX XXXX XXXX, which is now XXXX XXXX, this was back in XXXX of 2015, I resided there XX/XX/2015 until XXXX of 2015 after my health condition was diagnosed as XXXX   XXXX XXXX, at this point I had to stop working and then was in the Process of moving back to XXXX with family to which I informed the management company at that time which is no longer there, with this being said I was told that I would be able to work something out with them, to no avail this did not happen I did owe some back rent but not to the amount which is being claimed. this is not the company I rented from and they have added an outlandish amount of {$6400.00}, I am currently XXXX on XXXX and unable to this on my report trying rent with this on my report. 
I look forward to hearing from you going forward The Company 's Name is Ideal Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The late fee of XXXX dollars were charged on XX/XX/XXXX by Bank of America. I set up an autopay but it didnt work. I called them explaining but they didnt try to understand the situation, the difficulty and complication of their system, they blamed my action only. I definately set up through their website. I talked two people and they both were very rude and they couldnt even set up an autopay for me which other credit cards did for me sometimes or at least explain. They refused to waive the fee and even refused my request to talk to their supervisor. I never had this bad service from credit card company before. Not only just a fee they should really change their customer service. Completely unacceptable.
Consumer complaint received 2018-09-24
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. (OH)

I originated a private student loan from Sallie Mae, that is now Navient. I have been unable to pay the company, they would not allow for any further deferrance or a forbearance, at the time. The debt has now been sent to collections. On two occasions, I have recieved information that people associated with family members, who are not a spouse of me or the cosigner, have been contacted by the company regarding the debt. I am not sure how the company got the information of these individuals because they are not involved with the debt, and were never listed as contacts or references on the loan.