davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Clear Recovery, Inc. (NE)

Merchants Credit Adjusters Inc Address : XXXX XXXX XXXX XXXX, XXXX, NE XXXX Phone : ( XXXX ) XXXX This company has been calling me after sending multiple notices to them to send debt validation. MCA has told me that they do not and will not send this information. We do not have any known account numbers with them. We do not have any knowledge of any outstanding debt. They are still calling even after sending multiple notices via Fax, Email and USPS. 
Letters sent by Us 1st Notice XX/XX/XXXX 2nd Notice XX/XX/XXXX 3rd Notice XX/XX/XXXX
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX Equifax removed the account from my credit report. But on the same day Equifax allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with Equifax requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CO)

XXXX XXXX ( aka XXXX XXXX ) provides high interest loans ( 25 % + ) for XXXX work. Each time you decide to finance a procedure it is separated into its own " plan '' on the loan account. Depending on the promotion, you may have 1 or 2 years to pay off any given plan without incurring any of the deferred interest. My first two plans were 2-year deferrals opened in mid-XX/XX/XXXX and end of XX/XX/XXXX respectively and payments were applied in amounts weighted towards the first plan with the earlier deadline. My monthly payments were easily enough to meet the expiration dates. So far so good. 

At the end of XX/XX/XXXXand during XX/XX/XXXX, my wife and I had more emergency XXXX issues and since we had more available credit on the XXXX XXXX loan, we added four ( 4 ) more procedures ( plans ) to the loan. At this time, XXXX XXXX started allocating my payments across all six loans and I increased my monthly payment to compensate and stay on track to pay off the first two plans within the promotional expiration dates. 

Fortunately, the first plan was far enough along that it was paid off by mid-XX/XX/XXXX. As the expiration of the 2nd plan was approaching, XXXX XXXX began siphoning a larger proportion of my payments to the newer plans with much later expiration dates. In hindsight, I realized they were intentionally ensuring the amount applied to my 2nd plan would not meet the payoff amount and miss the deadline and incur the deferred interest. When I called their customer service to protest, they said sorry it is what it is. I was then told my only recourse was to explain my case to them in writing, which I did. I provided a schedule showing exactly how they had been applying my payments ( for which I could discern no logic ) and how they could and should have been applied to meet the deadlines. There written response was, " ... we find the finance charge to be valid. '' I find that XXXX has intentionally obfuscated the method used to apply payments to plans to make it impossible for customers to determine where they stand and adjust payments to compensate. But really, they are just a fancy predatory lender. I can only imagine how many others have been cheated this way. 

I have since been able to pay off all the remaining plans to keep them from cheating me on my other plans, but they have still taken me for over {$1000.00} in unfair interest
Consumer complaint received 2018-07-16
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. (CA)

I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on Transunion 2. XXXX  XXXX on Transunion and XXXX  3. XXXX XXXX on XXXX  4. XXXX XXXX XXXX on XXXX
Consumer complaint received 2018-03-19
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: BARCLAYS BANK DELAWARE (NY)

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and XXXX
Consumer complaint received 2018-03-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX  deleted this account how did they delete it if you verified it with XXXX and XXXX
Consumer complaint received 2018-03-19
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: AMERICAN EXPRESS COMPANY (NY)

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

My account with Coinbase has been " temporarily disabled '' since XX/XX/2018. 

My account was frozen by Coinbase after I reported a 3rd party was attempting to access my account. 

In the last 4 weeks I have emailed and called on numerous occasions, trying to have this restriction removed. Support staff keep telling me " specialists '' are looking at my case. Apparently these " specialists '' only operate via email and the support staff has no way to contact them. 

I have several thousand dollars being held captive by Coinbase and I feel nothing is being done to resolve my issue.
Consumer complaint received 2018-03-19
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 forwarded a letter to Experian dated XX/XX/18 ( certified mail ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding an inaccuracy in their reporting, regarding entrie ( s ) being reported for a DISCHARGED CHXXXX and DIMISSED/CLOSED CHXXXX ( listed twice on my report ). Experian hasn't responded in a timely manner to my initial letter and have now violated federal law and also have failed to provide me with a copy of any VIABLE EVIDENCE or METHOD OF VERIFICATION. Experian is in non-compliance by not properly investigating within the required timeframe or marking the items disputed on my credit report. I demand the items be immediately removed from my credit report. Any other action ( or inaction ) on behalf of Experian may result in smalls claims action.
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On Wednesday, XX/XX/2018, I went to Bank of America to deposit my first payroll check. I received a paper check from XXXX due to the fact that BOA had not verified my account with the payroll company for direct deposit, although it had been 2 weeks since my employer submitted my account info for verification. The lobby was closed so I used the ATM to deposit the check. I was notified after the deposit that an exception hold was placed, with the reason stating " because check specific information indicates item may be returned ''. Since when are checks issued by a major payroll company at risk of being returned? My account is not an account less than 30 days old, nor do I abuse my account. I can understand a hold being placed as I usually have direct deposits and I did not have matching funds in a savings account, however, under Reg CC guidelines the first {$200.00} must be made available and the hold a 2 day hold as it was local check but I will not have access to one penny of my money until Friday, XX/XX/XXXX at XXXX XXXX Unacceptable. I called BOA 's customer service twice and went up and spoke to a relationship banker and no one can reduce the hold time or release any funds. Very disappointed.
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

In XX/XX/XXXX, I received a letter from XXXX XXXX indicating the total number of qualifying payments going toward my PSLF. This number is a complete MISCALCULATION. I called them immediately and asked them to review my file and they said to wait for the manual review. From XX/XX/XXXX-XX/XX/XXXX, I had contacted them 6 times asking for updates/status on the review process and every time they indicated that indeed it's still under review. Then, on XX/XX/XXXX, I talked to this rep who stated that my file was actually not under review and he will start the process for me. He did know why the previous reps told me that my file was under review. Then, from XX/XX/XXXX to present, I have contacted XXXX XXXX 5 times to ask for updates/status on the review process. Again every time, they say it's under review. I specifically asked to speak to their manager each time. I also suggested them to look at my file and they all agreed with the miscalculations, but stated that they can not do anything except to wait for the manual review to be completed. I have waited and waited. It has been over 1 year since this whole process started. I still haven't heard anything from XXXX. I'm frustrated that this whole process has taken this long and that the reps were giving false information to the borrowers. Please help.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XX/XX/XXXX Complaint of Harassment Managing Authority XXXX RE : Breach of THE FAIR DEBT COLLECTION PRACTICES ACT On XX/XX/XXXX my son,, was a patient in XXXX XXXXl XXXX in the ER department. His insurance at the time was XXXX XXXX XXXX The healthcare provider did not submit the claim in a timely fashion as per their agreement with XXXX XXXX and as a result I was personally billed {$710.00} instead of being fully covered as part of my Emergency Room copay. 
I notified XXXX on numerous occasion of the situation and also filed an appeal with XXXX XXXX so that they would pay the claim although it was NOT my responsibility for the negligence of the Dr 's office billing department. 
I have received over 10 letters demanding payment from XXXX including more recent attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I have also received harassing phone calls on a frequent basis. 
In XX/XX/XXXX, after repeatedly informing XXXX   representative on the phone that the full amount of {$710.00} was being processed by XXXX XXXX in an appeal, she threatened me that if I would not make a payment immediately, that my file would be in full collections and my credit would suffer. She stated that the only way to stop the lowering my credit would be to pay now. I made a payment of {$25.00} to stall the demise of my credit score. 
At that time, I was in a strained financial situation but I was pressured to lay out a sum of money in good faith. However, this payment did not stop the biweekly intimidating phone calls and letters. I explained the situation to XXXX when I received the latest hostile phone call on XX/XX/XXXX again, reiterated that I was actually owed back the {$25.00} paid because XXXX XXXX was paying the full {$710.00}. The representative said that I was going to be placed in aggressive collections and it will affect my credit. They said its not their responsibility to check if the debt is valid. This tactic of pressuring and misrepresentation of facts is blackmail and harassment. I have repeatedly written to XXXX and spoken to them as well as XXXX XXXX medical office. Instead of waiting for the claim to be processed by XXXX XXXX, which is out of my hands, they are trying to bait and blackmail time with pressure and threats. Please be advised that I will be making a formal complaint to the Consumer Financial Protection Bureau. I This claim is in the process of being paid by XXXX XXXX XXXX XXXX and is therefore, not my patient responsibility. The reason for the delay is the error in billing and oversight by XXXX XXXX XXXX office, not my own.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/2018 I was sold a service called XXXX which I charged to my Synchrony Bank/Care Credit account. The service was sold as a facial improvement with no downtime, no recovery ( their advertisement is attached to this complaint ) The service was performed on XX/XX/ 2018. Immediately after the service I felt XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the way home from the service. The next day I woke up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( photos are attached ). Long story short due to what happened I was unable to go to work for 2 weeks so I lost 2 weeks of wages over {$3300.00} gross wages to be exact. I immediately  contacted the merchant who did nothing to resolve the matter and blew off my complaint. At that point I went to Synchrony Bank who to date says they are investigating but expect me to make payments during the time it takes for them to investigate. I felt that was unfair and so I am filing the complaint. The merchant lied in the sales process in order to get a sale. I would have NEVER EVER done this if the merchant told the truth. I am asking for an adjustment for the lie. While the service was performed, there has been NO result and I lost 2 weeks of work in pain and looked absolutely horrible. I still have XXXX XXXX XXXX XXXX XXXX XXXX over XXXX months after the service.
Consumer complaint received 2018-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (GA)

My XXXX XXXX XXXX is under a several recalls for a faulty transmission and door latch. The steering wheel also locked up on me and my XXXX XXXX XXXX daughter WHILE I WAS DRIVING. Hundreds of thousands of these vehicles have been recalled ALSO for the steerign however, mine is currently under investigation by the Nhtsa ( report # XXXX ) to be added to the recall. I work as an XXXX DRIVER and used this vehicle to work and pay my bills. I contacted Chase in XX/XX/XXXX asked for the loan to be cancelled due to XXXX XXXX selling me the car KNOWING it was under a major recall as well as the fact that the vehicle was inoperable. The vehicle steering wheel locked up on XX/XX/XXXX and has not been operable or on the road since. ALL INSURANCE AND REGISTRATION HAS BEEN CANCELLED. 

Chase refused to cancel the loan as well as repossess it. This vehicle is useless and was sold to me under false circumstances. Chase is now contacting my attorney ( fro the transmission defect ) threating to affect my credit score. They refused the resolution I offered and actually were aware of the vehicle defects when they approved me for the initial loan. The vehicle is of no use to me and is currently being held in litigation with the XXXX XXXX XXXX XXXX XXXX XXXX for consumer fraud. 

I feel im being XXXX  over circumstances that are not my fault! I offered a solution and rather than care about litigation or consumer safety, they are trying to XXXX funds from me that I would have otherwise had if my vehicle didn't leave me stuck walking and I was able to make money via XXXX to pay.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX we entered into a contract with XXXX Citibank for the purchase of a seadoo with a 36 month no interest loan. 
we have had nothing but problems with this company on a monthly basis. I pay on my account through billpay from my bank XXXX a month. 
Starting in XX/XX/XXXX my monthly statement has been in correct with varing different amounts due. 
XX/XX/XXXX I spoke with XXXX and was told pay the incorrect amount for 2 cycles and it will correct itself well guess what nothing has change except my having to call monthly to get interest and late fees removed. 
XX/XX/XXXX talked to XXXX was told all fees would be removed and corrected. 
XX/XX/XXXXtalked to XXXX Team XXXX was going to submit to team that can correct the issue of wrong minimum due on statement. So I logged into my account on XX/XX/XXXX and the amount of XXXX was corrected, so I paid my payment. 
I received my XXXX Statement with the incorrect amount again of XXXX I called and talked to XXXX Team! she said she would submit to their backend dept to have the statement corrected and they are required to call me back within 72 hours, well they said that last month and I still haven't had a call back. 
What can be done about this UNFAIR treatment when I'm following my contract.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I purchased a property with my ex, whom i was a co-borrower with, who filed for chapter XXXX bankruptcy in XX/XX/XXXX. He relinquished his rights to the property and I assumed responsibility of all payments. In XX/XX/XXXX I acquired the property via special warranty deed. Since XX/XX/XXXX, Freedom Mortgage has limited my access to my account and not provided me with statements. I have attached the extent of information provided on the site in the upload document section below. I have called monthly to obtain clarification and breakdowns of fee 's on my account and was told they were not able to provide me any information. As a result Freedoms lack of transparency on my account they allowed for XXXX homeowners policies to be paid out of my escrow ( XXXX policies taken out by a non owner of the property who filed bankruptcy in XX/XX/XXXX ), provided me with incorrect payment amounts, and are currently received payments and failed to apply to the account. This caused my pay off amount to be in excess of {$10000.00} due to months of un-applied payments.