davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and may affect my employment. Based on the result they received on    XXXX    I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  XXXX   XXXX   XXXX  bank who notified me that my debt was sold to  midland funding . When I contacted  Midland Funding  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less t han 1  week to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 recur ring payments of {$250.00} beginning  XX/XX/XXXX ,  15 month ly payments of {$150.00} beginning  XX/XX/XXXX  and a final payment of {$87.00} on   XXXX  . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital  XXXX  stated to look into the judgement against me. I contacted the court on    XXXX   XXXX   XXXX    and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at   XXXX   XXXX   and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, th e 3rd  party, and the civil judgment reporting on my credit reports and the amounts are different.
Consumer complaint received 2018-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I sent 2 certified letters to Experian, XXXX, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP
Consumer complaint received 2017-05-04
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. (TX)

Per the FTC the credit bureau 's have to provide me with physical proof of the information they verified for any account, the information has to be provable beyond doubt with valid signatures. Attached is a recent letter I sent them asking for a re-investigation. Each time I have asked the credit bureau to investigate this time, they send back a letter saying to contact the collection agency. The law states the the credit bureau has to prove this information not the collection agency. Thanks.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (IL)

Hello. Today, XX/XX/XXXX, I deposited two USPS money orders at a Chase bank - directly to a teller. The amounts were : {$1000.00} and {$200.00}. Upon depositing these USPS money orders, the teller informed me that only the smaller amount would be made available immediately and that the larger one ( {$1000.00} ) is put on hold until XX/XX/18. 

I was unaware that USPS money orders, under the amount of {$5000.00}, are federally subject to next day availability. Upon discovering this just minutes ago, I called their Customer Service line and informed them of the aforementioned. I was then informed that I should call back tomorrow to see if their Deposit Hold department would help me out and expedite the USPS money orders for me. 

I was counting on these money orders and went through USPS specifically because they are the most trusted.
Consumer complaint received 2018-02-22
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. (NC)

Hi. My name is XXXX XXXX and I have tried to several occasions to correct the fraudulent and incorrect accounts that Experian is reporting in my credit report. They refuse to report correctly, even when presented with proof. 

I have disputed these same items with the other major credit bureaus and they have deleted these accounts, but Experian just allows the creditors to say " verified '' without any documentation or proof. 

1. XXXX Account # XXXX Balance {$20000.00} Opened XX/XX/2017. There is a 7 year fraud alert on my credit report and this account is not mine and should be deleted. 

2. XXXX XXXX XXXX XXXX Account # XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is just incorrect. This account has never been paid late and is paid in full. 

XXXX XXXX XXXX  , XXXX Account XXXX XXXX is reporting 2 late payments on XX/XX/17 and XX/XX/17 and this is incorrect. I have never paid this account late. 

4. XXXX XXXX XXXX Account # XXXX The creditor agreed to remove this account and all late payments as it was sold to XXXX XXXX. However, Experian refuses to do that and just keeps saying " verified ''. 

5. XXXX XXXX  XXXX Account # XXXX is reporting a late payment on XX/XX/17 and this is incorrect. this account has not been late. 

I need these items corrected and updated immediately as it is preventing me from obtaining credit.
Consumer complaint received 2018-03-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IL)

Hi there, My name is XXXX XXXX and I have just started repaying my student loans. I have been paying {$25.00} each month ( or more ) to keep my interest from growing on each of my loans. Although I've been proactive in this my interest rate with XXXX XXXX is 10.75 % on my first loan of {$9700.00}, 10.75 % for {$9400.00}, and 8.625 % for my final loan of {$6100.00}. I looked into refinancing but am unable to since I don't have much of a credit history to be able to refinance. My first payments were withdrawn this past month on XX/XX/XXXX and this is not including my government loans that mount up to $ XXXX. Please let me know if you have any questions, I'm happy to pass along any additional information. 

Best, XXXX
Consumer complaint received 2018-03-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

Ref complaint # XXXX I asked for further information as to how the interest was being allocated and have not heard back, it has been apx 4 weeks. I have continued to pay interest only for over 4 years, yet still pay more each year in interest and want to see how this is determined, where it goes and some type of balance as far as interest. I paid over 6000 in interest this year ... which is more than last. I would think each year the interest would be decreasing but it is increasing which does not make sense. I want to see where all my money is going, interest included. The forms I was given only shows principal not any interest. How much interest could I possible owe!? At this rate I could have paid for 3 homes!
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

XXXX XXXX XXXX XXXX bought my loan from XXXX XXXX XXXX. Before XXXX XXXX XXXX took over my loan I never had a problem. 24 years on time posted payments.. Now they are claiming that I missed payments. I explained my bank shows all were made on time through an Ach and cleared. Still after submitting more documents from my bank they claim they do not have payment for XX/XX/2018. This is ridiculous dealing with this company.. They dont know how to post payments and want the consumer to figure it out for them.. They even hit my credit score.. I have not missed a payment and all submitted bank records show it so.. What do I do?. This company should be severely fined by the banking regulators.
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (AR)

The following were removed previous from Equifax. I previous contacted the creditor on removing the inquiry. They reported that they sent letters to remove XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-02-22
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. (CA)

XXXX Inquiry from XX/XX/XXXX I spoke to XXXX They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX. A Total of 15 points got pulled from my credit and this issue was NEVER Fixed. I am demanding in 30 days that " XXXX '' " TRANSUNION '' AND " XXXX '' Delete this from my records. Please see the attached Information from XXXX and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XX/XX/XXXX and should of been removed then, XXXX Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX " XXXX you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. XXXX Told me that they contacted Transunion, XXXX   AND XXXX for removal back in XX/XX/XXXX - They never removed this from my credit nor has XXXX Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

XXXX / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as XXXX Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX CHASE MTG XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately.

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : CHASE MTG XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (MI)

InXX/XX/2017 I signed up for what I initially believed would be a payday loan from XXXX XXXX for XXXX dollars. Just enough to pay my rent. When I initially agreed to the loan, it was presented in such a way that I was made to believe that I would make four large payments and the loan would be paid off. It appeared that I would pay around 200 dollars for a XXXX dollar advance, which I was okay with. However, after the four payments were made they kept taking payments out of my account in the amount of 150 - 250 dollars per check, with only 35 - 45 dollars going toward the principle. That is when I realized what it was that I had actually signed up for. At that point, my only option was to pay off the principle, something that was nearly impossible to do when they were taking XXXX dollars a month from my check before I even saw it. This loan has cost me around 2600 hundred dollars so far and has made me perpetually late on all of my other obligations, destroying my credit in the mean time. 

This has also kept me in a payday cycle that has made it nearly impossible to stay afloat.
Consumer complaint received 2018-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/XXXX, I bought a new car from XXXX XXXX in XXXX. On XX/XX/XXXX, I found out the dealer falsified my interest rate, corruptly increasing my preapproved rate of 0.09 % on my XXXX, XXXX credit scores, without my consent, justification, or authorization to 6.65 % over what was approved to be by CapitalOne Auto Finance, at 0.9 %. That low rate was advertised on TV in the Washington, DC area. 

In further review and speaking with CapitalOne Bank 's local CSR and Mgr., it was confirmed that by XXXX XXXX increasing by fraud, my interest rate, their criminally inflated processing fee of {$700.00}, while also fraudulently including the {$800.00} GAP and {$4000.00} Warranty, exceeded my approval for a different car CapitalOne was ap approving at {$39000.00}, not {$45000.00} at payments of {$450.00} instead of {$760.00}. 

Since XX/XX/XXXX, CapitalOne Auto Finance has repeatedly made excuses why it will not correct by refinancing my discovered illegally made RISC ; And CapitalOne has also ignored XXXX XXXX 's TILA and FCRA, consumer fraud It, CapitalOne Auto Finance knew, was [ made ] aware of, and both XXXX XXXX and CapitalOne had, thereafter, engaged in a criminal scheme to perpetrate against a consumer, consumer fraud conspiracy under Federal and State 's criminal Statutes and Codes, Laws, making it a crime for a bank to know of TILA, FCRA, contract frauds as demonstrated and shown by the facts and documented evidence. ( See. FTC v. Auto Dealer 's FRAUDS, XX/XX/XXXX ). 

According tto CapitalOne Auto Finance, their attorneys ordered and directed XXXX XXXX to cancel the first contract and rewrite the new contract with the removed illegal charges, interest rate and with the correct total of the loan not to exceed {$39000.00}, their maximum new car loan amount being {$40000.00}. 

Can your firm help me to have TILA and dealer fraud and consumer fraud criminal charges instituted against XXXX XXXX, its business manager, and owners who repeatedly have ignored CapitalOne Auto Finance 's directives to cancel and rewrite and that has since cost me more than {$4000.00} in excessive car payments, interest charges, and other charges that was incurred to keep my XXXX, excellent credit score. 

Thank you. 

Respectfully yours XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

I have a XXXX XXXX through XXXX XXXX. My Loal Store closed XX/XX/18 I have cash back due in XX/XX/XXXX and they send a check good only in the store. The nearest store is now 2 Hours away and they say they can not send a regular check?
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I consolidated several of my credit card accounts. We had two hardware store accounts, one with XXXX, and one with another store. I had misunderstood in the loan process which of the two accounts were being paid in full. Therefore we had not made another payment on the XXXX  account. Our loan was finalized the end of XX/XX/XXXX and payoff checks were sent the 1st part of XX/XX/XXXX. I was working out of town most of XX/XX/XXXX and when I came cross the bill showing it was not paid, i promptly made a payment -- well over the min due. I pay double or more than my minimum every month, this was the first time I have ever been late on an account. 

I have not received any phone calls, emails, or additional correspondences alerting me the account was past due. One would think if an account was two payments late that phone calls would be flooding in daily, multiple times a day. I called XXXX CC services and asked them why we did not receive any phone calls, or if they could confirm calls were made. After being transferred to 4 separate agents all i was told was the procedure is to go into a dialer but no one could confirm any calls were actually made to my phone. I can assure you, if i would have received a phone call, I would have answered it, and i would have paid immediately. My credit is important to me, and i have worked hard for the credit score i have today. Yes I should have been more aware of this account not being included in my payoff. However I fail to not fault XXXX somewhat in not providing any notification at all to alert me of something wrong with my account. This one blemish has dropped my credit score significantly, and it is not acceptable. I have asked XXXX if they could rehab my account or provide me with a courtesy adjustment. Yes agencies are required to report accurate information, however agencies are permitted to make adjustments, and this courtesy is intended for consumers who have made an honest error, and again had XXXX contacted us when they did not receive our payment in XX/XX/XXXX this never would have happened.
Consumer complaint received 2018-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (FL)

Opened : XX/XX/2012 ( 5 yrs, 8 mos ) Amount : {$460.00} Account status : Open Individual : Medical Original Creditor Name : XXXX XXXX XXXX XXXX   XXXX need to investigate this company too ... 
I have no idea what's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I live 2 hours away from it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new immigrant, and I didn't know about the country 's credit system.

The three accounts about because of events in life, I live in the United States at that time, my father is XXXX years old living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back.

They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult.

I believe that the credit report is more for education and correction, not just for punishment.

I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.