davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Recovery Solutions Group, LLC (FL)

After numerous attempts explaining that the debt is not valid, they've continued to harass us and threaten legal action. Coincidentally, on XX/XX/2018 the company Recovery Solutions Group ( rsgcollect.com ) sent out an email with a trojan horse virus suggesting it was a real Word document. We believe they now either have a security breach or have attempted to illegally infiltrate their customers systems. We hope it is more of a security breach, but they have not made any attempts to clarify even after I personally contacted them.
Consumer complaint received 2021-08-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NJ)

Hello. I am having an issue with my mortgage company ( XXXX XXXX XXXX, aka LoanCare ) that they won't resolve and it's affecting our credit. They are reporting incorrect information to all 3 credit reporting agencies, we have filed 2 credit disputes in addition to having reached out to them via email and called 3x to which we were yelled at on the from a supervisor. 

Back in XXXX of XXXX  we applied for a loan modification because we fell 3 months behind on our payments. We were approved for the modification in XXXX and were set to make our first payment in XXXX. Along came the pandemic and my husband lost his job on or around XXXX XXXX XXXX We called our mortgage company right away to find out what our options were because we weren't going to make the XXXX payment for our modification, and they instructed us that if we made the first payment in XXXX we wouldn't be able to enter a loan forbearance for 3 months so instead they instructed us to apply for a loan forbearance instead of making the XXXX payment. We were approved for the forbearance and have maintained the forbearance every month since XXXX XXXX XXXX. LoanCare has reported us as being late every month since! We have been marked 18 months past due and our on time payments history for the loan had been reported as only making XXXX  % of our payments on time! We have called and spoken to employees who have in fact told us that our loan should not be reported negatively or late since we are an FHA loan backed by HUD and therefore protected from being reported negatively but can not get them to correct the issue they just continue each month to mark us late again. It states on THEIR own website that a forbearance will not be reported as negative and will not affect a borrower 's credit. Well my credit score has gone from XXXX to XXXX because of this incorrect reporting on their part! Please advise what can be done to have this corrected ASAP.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I went to XXXX website and applied for a consolidation loan for my privately held FFELP student loans held by AES. Both originated in XXXX. We are legally able to consolidate privately held FFEL loans. 

AES is refusing to allow the consolidation. XXXX is not responding to the consolidation application that was sent by the student aid website. 

I need my FFELP consolidated. I applied in early XXXX before the federal government made the deadline cutoff for this consolidation of XX/XX/XXXX. I made the application before this time in early XX/XX/XXXX. I DO qualify for consolidation AND FORGIVENESS into federal direct loans. 

Please force the banks and servicers to comply with federal law and allow this consolidation. That would be very nice. 

Thank you, XXXX XXXX
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been denied 2 loans last week because TransUnion does not have a credit file on me. I called TU last week and they sent me a report in which I found they have wrong information about my name, only one creditor reporting ( when i have plenty of Credit Cards, Auto Loans and 2 mortgages ).

After reviewing my report I called TU again and XXXX ( the person that took my call ) told me that I have to call every single of my creditors and ask them to report to TU!. Well that would certainly will take weeks of my time. The funny thing is that XXXX and XXXX  have the correct information on my file ... and it is hard to believe that all my creditors are conspiring against TU and they don't send the info to them ....
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

i opened and synchrony account back in a XXXX of XXXX actually two accounts one for {$1400.00} and the other {$910.00} I paid both loans off before terms of contract. Both loans were closed 30-45 after i paid them off. Both letters sited untrue and false information. For example my latest letter has lack of real estate as a reason for closure. letter is dated XXXX but my XXXX report has had my recent real estate purchase on the report since XX/XX/XXXX i bought my home on XX/XX/XXXX. The first time they closed my account my credit had literally no changes except paying off there account. Yet on the letter they stated things that were in affect when they extended credit to me. I see it as predatory ive had no late or slow pays. No derogatory accounts. Yet if i dont run out and buy more stuff they close my account costing me 50 plus points on my score each time. What's the point of trying to build credit when companies like synchrony use you then throw you out as soon as you pay off a loan. What really gets my blood boiling is the veiled attempt to blame me for account closures. I have 16 other creditors NONE behave like this none. I cant imagine how hard of a hit it would beon mu score if i only had one or two accounts. Also i cant imagine how someone with less experience handling multiple accounts would feel. Its a system set up to keep people with low credit scores despite paying off loans on time every time. Im sure the average person would give up trying to be responsible, when creditors act like this bank does. They lure people in saying build your credit then close your account as soon as you pay them off. So you end up giving back all the gains you have made with on time payments. Its a complete scam and i ask that someone would take a long look at this company and there predatory practices! As a XXXX veteran it really angers me that this company is able to operate in a space were they get all the benefits without their customers receiving any mutual credit benefits that we are promised in these stores. You can pay back ten loans and still be in the 500 range with a company like synchrony totally unfair!!
Consumer complaint received 2022-07-28
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)

In accordance with the Fair Credit Reporting act COMMONWEALTH OF VA 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I uploaded my payment record for proof of payment. My credit score has taken a major hit and I was denied credit and home loan applications because of the 10 missed payments.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

After 18 years of good relationship with this company I was unable to get a satisfactory answer as to why my credit limit was reduced from {$26000.00} to {$500.00}. So I've attempted to cancel the credit card. I'm tired of getting cut off, shuttled around, and waiting endlessly on hold. 
This is ongoing and there is no money owed to either party to my knowledge.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

So on XX/XX/XXXXXXXX XXXX XXXX I signed up for Amazon  and applied for an Amazon card I got approved for the Amazon store card through synchrony however I use the account that has {$500.00} limit on it one time to pay for Amazon prime for {$14.00} can I go to place my first order after that and they said it was on hold due to suspicious activity I don't understand how that is suspicious making my first order but I then I received an email telling me to log into my account and provide necessary information that they needed I did this uploaded the document that they asked for which was a bank statement for the card which was from synchrony I've had to do this since that day several several times I've called them I've emailed of done everything I can and they keep saying that they can not validate my ownership of the account now please tell me if I'm sending you the exact bank statement for the card ending in XXXX  from synchrony Bank that gave me the card for Amazon how is that not valid they have yet to remove the hold because they keep telling me to wait for somebody to contact me that doesn't never contact me I have done everything I can so now I'm contacting y'all to get help I'm attaching the bank statement for the card so that you'll see what I'm sending them is from that same bank it's the same what I've been sending them
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

XXXX XXXX company reported me to Convergent debt collector for {$190.00}, my concern is how can I owe them if I am currently have XXXX account and using it in house for cable, internet and phone line. If I owe them they will not let me have a new account and I've been using this XXXX account in my place for 3.5 years now.
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I spoke to the Company And was told that if I pay the Debt Off. I would receive a letter saying amount was paid in full and it would also say it would be removed from my Credit.  I Was told by three different people it would be said on there. They also told me we were being recorded just to reassure me that it would say it will be removed. And I went and did a Bank wire to them so they would receive it next day. So I can receive that Letter. And  when I received the Letter it did not say that. And I called them and asked what happened to the letter they said I would get. They said the letter is already generated. They ca n't make any changes to it. So I asked to speak to a Manager. So they passed me to another manager that told me the same thing. I asked to speak to someone above them or the Woman who 's name was on the letter. They Said She do n't speak to people. Only they can. I tried to be patient with them and asked all I need is the letter they promised me. And that 's All I Need. I paid what I needed to pay and Know I need them to keep there end of the bargain.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Applied for a CitibPriority account and was approved over the phone. I subsequently provided evidence of signiture and they, without prior warning, closed my account. This happened while applying under a mailed ad for American Advantage miles which the bank clearly didnt intend to grant.
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (SC)

Good morning, XXXX XXXX has listed a medical debt as of XX/XX/XXXX, from XXXX XXXX XXXX as the company who I allegedly owe to. 

I have never received a bill or any correspondence from XXXX XXXX .. going back from XX/XX/XXXX, I am a former XXXX. They only correspondence was my pay stub via email. 

Nor have I ever received correspondence in any form from Capio. I was advised not to call them, but I did reach out to XXXX XXXX and they knew nothing about the bill. 

Nor do they have any signed documents that would permit a outside company to have access to my information, they clearly violated HIPPAA. 

I did dispute this via phone call and mail to XXXX  XX/XX/XXXX, no correspondence was made to inform me of the outcome, clearly the 30day rule has way passed expired since my initial inquiry into the false debt claim made by Capio. 
My request is to have this removed immediately off my credit report as it has caused further negative issues, as I am trying to rebuild my credit post divorce and the bankruptcy that resulted from that situation. 

Thank you
Consumer complaint received 2018-04-03
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OK)

I have had constant communication with Navient over the past six months as I am trying to pay off my loans quickly. I started tracking my monthly bills as I started making XXXX dollar payments ( my monthly IBR is {$360.00} ). I pay {$700.00} to ensure I am covering the new interest that is accrued monthly. In XXXX my total loan balance was {$130000.00} and in XXXX my total loan balance was {$130000.00}. I had not made a significant payment at this point in time only the {$700.00}. In addition, the total unpaid interest for the loan was {$17000.00} in XXXX and then in XXXX it was {$28000.00}. I called to inquire and a woman told me it was because they audited my account and found that they had paid too much of the interest on my subsidized loans. I just got off the phone without inquiring more. I then called back and the new Navient customer service rep could not find out why the interest changed and the balance. He put in an inquiry at which point I received a letter from Navient " explaining '' what happened. When I called again to ask what the letter meant the customer service rep could not tell me. He put in another request asking why my account was audited, a full report of every payment I've ever made, and a better explanation of the increase in the unpaid interest. I received the letter explaining the aforementioned and all it was was a generic sheet on how interest accrues. My questions have yet to be answered. I find it very interesting that they decided to audit my account once I started making large payments. I've made close to XXXX in payments since XX/XX/2018.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

THE CHASE BANK CLOSED MY ACCOUNT ONXX/XX/XXXX, AND I ISSUED A CASH CHECK ON MY NAME FOR THE AMOUNT OF MY BALANCE USD XXXX. THIS CHECK WAS SENT TO THE REGISTERED ADDRESS AND WAS LOST ; THE DAYXX/XX/XXXX I DIRECTED TO THE CHASE OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, EE. UU TO SIGN THE APPLICATION FOR THE STOP PAYMENT OF THE BOX CHECK NUMBER XXXX, I RECEIVED XXXX XXXX XXXX, CARRY OUT THE FIRM MANAGEMENT AND INDICATED THAT IT WOULD BE SOLVED IN 5 WORKING DAYS, WAIT FOR THE INDICATED TIME AND HAD NOT RECEIVED ANSWER, CALL THE DAY XX/XX/XXXX TO THE DEPARTMENT THAT HAD MY CASE, I WAS INDICATED THAT THEY KNOW THAT I WAS IN THE OFFICE OF THE BANK BUT THEY DID NOT RECEIVE THE FORM OF THE STOP PAYMENT, TRY TO COMMUNICATE ME WITH THE XXXX. XXXX XXXX AND I HAD TALKED WITH HER ON XX/XX/XXXX, I REMAIN TO MAKE THE SHIPMENT AGAIN AND RETURN ME THE CALL WHAT I DID NOT DO, I CALLED IT BACK ON DAYXX/XX/XXXX AND I INDICATED THAT I HAD TO WAIT AGAIN 10 DAYS WORK ABILITIES. WAIT UNTIL XX/XX/XXXX DAY AND CALL THE DEPARTMENT THAT HAD MY CASE, THEY INFORMED ME THAT THE DAY XX/XX/XXXX THE CHECK WAS PAID ON AN ACCOUNT ON MY NAME IN THE XXXX XXXX XXXX, WHICH I DO NOT OWN NO ACCOUNT IN SAID BANK. ON XX/XX/XXXX BACK TO CHASE BANK OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX I WAS ATTENDED BY XXXX XXXX XXXX XXXX ; TO FORMALIZE A CLAIM FOR THE UNFAIR PAYMENT OF BOX CHECK NUMBER XXXX FOR XXXX XXXX WHICH REQUESTS STOP PAYMENT AND WAS NOT PERFORMED BY CHASE BANK, AFTER 3 MONTHS OF WAITING THE BANK ANSWERS THAT IT IS NOT PROCEED BECAUSE THE XXXX  XXXX XXXX WILL NOT RETURN THE FUNDS. AFTER THIS ANSWER THE CASE WAS TAKEN BY THE MANAGER OF THE OFFICE THE XXXX XXXX, WHO LIKE MY PERSON DOES NOT UNDERSTAND LIKE A BOX CHECK THAT IS REQUESTED A STOP PAYMENT THE DAY XX/XX/XXXX COULD BE PAID ONXX/XX/XXXX, I INDICATE THAT I CARRY THE CASE TO HIS SUPERIORS AND THE ANSWER STILL IS THE SAME : " DO NOT PROCEED BECAUSE THE XXXX XXXX XXXX DOES NOT RETURN THE FUNDS '' I LIVE IN XXXX XXXX AND I CAN NOT TRAVEL SO FREQUENTLY TO THE XXXX. IN THESE MOMENTS MY FAMILY HAS THE MONEY THAT THE CHASE BANK HAS NOT RETURNED TO ME.
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HERITAGE CREDIT LLC (LA)

I disputed the account on my credit reports ... .... it came back " verified ''. I then sent a letter to 1st Heritage on XXXX, XXXX asking them to verify the account with my contract. I received a reply letter back from XXXX XXXX XXXX. It was just a general letter they send out. It didn't have a contract or any paperwork that I was requesting. I mailed out my 2nd letter to XXXX XXXX asking again about the contract with my signature AND also stating inaccuracies that was on my credit report. XXXX XXXX was reporting on my credit reports that date of last payment was XX/XX/XXXX but on the payment calendar it showed a payment in XX/XX/XXXX. They also had a bunch of discrepancies on the payment calendars that I stated in my letter. They replied to my 2nd letter with the SAME letter they sent out before. Not addressing any of my facts. FCRA U.S.C.1681i ( a ) ( 5 ) ( A ) ( i ) that all information must BE ACCURATE, VERIFIABLE OR BE DELETED. FCRA U.S.C.1681s-2 ... .. these furnishers have to provide ACCURATE information when reporting to the credit bureaus. I sent a final 3rd letter in attempts to get accurate information, only to be sent the SAME letter they sent the first 2 times. In my 3rd letter, I asked them to verify aspects of the acct. They were reporting different " date of last payments ' and payment history wasn't correct. I also asked for them to produce the XXXX for the accounting owed. If they claimed a loss on taxes, made any insurance claims or took a loss and not crediting the client. They sent no such information or paperwork. XXXX XXXX is not in compliance with the FCRA. We as consumers have every right to ask for verification from creditors to make sure they are reporting 100 % accurate on credit reports. I even stated what was reporting wrong on the reports and asked numerous times for XXXX XXXX to send me proof of the inaccurate reporting ... ... and I got nothing. It is companies like this that feel that do not have to comply with Federal Laws that are their to protect consumers.In their letters, it states to provide them with details regarding specific information that was incorrect. I complied with that and gave them items that were wrong. And asked them how they got the balance they got, which is wrong. They are suppose to be able to provide me this information and verify all aspects of the account and they have FAILED to do so. According to FCRA 15 U.S.C.1681s-2b ( 1 ) ( E ) ( ii ) if an item is found to be INACCURATE, INCOMPLETE, OR CAN NOT BE VERIFIED, the furnisher MUST DELETE!
Consumer complaint received 2019-10-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TN)

Sallie Mae calls us ( me and my cosigners/parents ) numerous times if we are late on a payment. With climbing outrageous interest, I owe Sallie Mae {$120000.00}. After graduating with a XXXX  's, I was unable to get a job with my degree so I had to settle for a {$9.00} hourly wage job as a XXXX XXXX. Knowing my payments were coming up, I called Sallie Mae in XXXX, 2019 and postponed my loans until XXXX, 2019. I eventually got a better job making {$13.00} hourly as a XXXX XXXX ( still not with degree ) and called them again in XXXX to try and negotiate my monthly bill as they were asking for {$1800.00} a month. I don't even make that amount monthly. They told me to wait until my bill was past due so that my account would be " active '' and then I could pay back my bills " based on income ''. I did as they said and called them a few days after my bill was late. I talked to collections at Sallie Mae and they told me that they didn't have an option to pay back my loans on an income-based plan ( even after they told me they did ). They said they could only have me  pay off interest which was still too much for me. It finally got to the point where they had to interview my cosigners and myself and ask us what our income was individually along with our monthly bills. We begged the collections lady to help us as my mom was in the hospital and out of work, and my dad was retiring in 2 days. My mom was relying on XXXX for income and my dad was about to take a drastic cut in his income from retirement. The collections lady told us she could only lower my payment to {$800.00} a month which is over half my monthly income. About 60 % of my monthly income. I can barely afford to survive, espcially with other student loans and bills I have to pay. They harrassed us and told us that we could file for bankruptcy. They didn't care that my mom nearly died, or that my dad ( who was diagnosed with possible XXXX XXXX a month prior which is why he was retiring ) had retired and didn't have enough income. We are still scrambling to make payments. My dad can't even pay his own bills right now. Now that I've been paying {$800.00} a month, it says I'm passed due and must pay {$2000.00} even though I have been prompt on my payments since they threatened to kick us out of the {$800.00} program.