davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (AZ)

XXXX18 - received call from XXXX XXXX XXXX XXXX advising of past debt and stated they were pre-legal department and that if i did n't take care of the debt they were going to send to my states legal department. They continued to tell me this over and over and offered a lump payment to keep me out of legal trouble ... i declined and asvised them not to call me anymore.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
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: Early Warning Services, LLC (CA)

A check was deposited in my account the check was no good but money was withdrawaled. My account was closed over this by Early Warning Services LLC. This company wo n't take me off this kid so I can not  make a bank account anywhere.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

1. I, XXXX XXXX XXXX, have been the victim of identity theft. Please see FTC Report # XXXX  ( attachment 1 ).

2. This fraudulent transaction contract was not in my name and I received absolutely no personal benefit from it.

3. The facts of this situation are as follows : a. On XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended a XXXX/XXXX XXXX timeshare presentation in which my wife, not me, was considering investing in an upgrade to HER present plan.

b. When it came time to negotiate the agreement I was told by the salesman, XXXX, to leave the room. He stated that XXXX never deals with third-parties to any agreement.

c. The salesman told XXXX that she could go back to the USA and talk to her two sons-in-law about the deal before closing the deal and paying a contract deposit ( {$12000.00} ). He promised her ( in writing according to his notes of the discussion, attachment 2 ) 6 months to pay the deposit to complete the agreement.

d. The {$12000.00} deposit was later obtained fraudulently by a salesman or supervisor : i. Please observe the two XXXX XXXX XXXX ( Proof of Payments, dated XX/XX/XXXX) WRITTEN IN XXXX  with forged signatures of XXXX XXXX XXXX ( XXXX husband, not an owner ). ( see attachment 3 ) ii. XXXX XXXX   does not speak or write XXXX.

iii. XXXX XXXX XXXX swears that these are NOT his signatures. Please see the two Police Reports filed XX/XX/XXXX and XX/XX/XXXXrespectively ( see attachment 4 ).
Consumer complaint received 2018-01-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MORGAN STANLEY & CO. LLC (FL)

Loan matured XX/XX/XXXX. 
Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.
Consumer complaint received 2018-01-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I went into XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX to get a personal loan, and was approved. Over the remainder of the year, I have been making payment bi-weekly that are taken directly out of my bank account. They are charging me 279% interest rate, which is making it impossible to get this loan paid off. No to mention the fact that this is putting a huge financial strain on my family.

I have contacted them numerous times, asking what I can do to get this loan paid off and they continue to tell me I would need to make additional payments.
Consumer complaint received 2018-02-12
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. (GA)

On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). OnXX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact Equifax, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I went to open a bank account with bank of America and i was denied access. when i inquired about the reason i was denied, the bank teller told me i had committed fraud with a previous account, also because i have outstanding balances with other banks such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX The banks listed above never notified me that they were going to report this information to any consumer reporting agency 's. and the information they reported was not accurate per the FCRA. I am a struggling XXXX  who needs access to his bank account to get my life back on track mentally and financially, this denial hinders me from moving forward in life being blacklisted by the banking system whom I've lost trust in with limited access to credit, loans etc. failure to remove this information will result in me seeking legal remedy
Consumer complaint received 2018-03-28
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: AES/PHEAA (GA)

I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/2016 to XX/XX/2016. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/2016 thru XX/XX/2016. XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (VA)

This debt was not verified. Ive tried reaching out to this company and tried asking them to validate the debt. They could not. I only received a bill. Nothing that Ive signed, a contract, dates, just a bill but no actual validation. The original owner of this debt is XXXX Ive contacted XXXX  via phone and they were not able to locate my account or give me a balance that was owed. I went in store as well but again, they were not able to validate this debt. How is it that the debt collector can claim I owe XXXX dollars with no validation, but the original company can not locate my files? There is no signature, no breakdown of this debt.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX Closed my Account and would not give me a reason why I spoke to XXXX  and XXXX XXXX is a manager at the call Center I made nothing but on time payments Never late and both the manager and customer service rep were rude. I Asked About the payments Because the Automated system said my account was paid off when it wasn't And they reported to the beaurues that I closed the account which I did not they did and are not willing to reinstate the account I am building credit have nothing in collections and used the card responsibly and made all payments on time.
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Checking Account was closed by Chase bank on XX/XX/2018, in the letter sent by the bank it said they will send me a check for the remaining balance of {$10000.00}, but the bank holds that check and refused to give me my remaining balance until now. The bank claims that I have to bring all the people who had sent me money to me for the past 3 months to the branch, to verify their identity, so they can release the money to me. However, there are few people live in other states or out of the county right now, therefore, I was unable to bring them to the branch in person. I tried to call the bank several times but they still refused to give me my money back.
Consumer complaint received 2018-03-28
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. (FL)

I disputed a collection which was listed on my Experian credit report in early XX/XX/XXXX. The dispute was with an agency that was collecting on behalf of XXXX XXXX for unreturned phones. 

I had returned the phones to a XXXX corporate store ( # XXXX XXXX, Florida ) in XX/XX/XXXX and kept the receipt from the return. This satisfied my contact with XXXX per th terms. 

I contacted both XXXX and their Collector when contacted in XX/XX/XXXX about the outstanding balance to make them aware that he phones were returned and provided the receipt details. XXXX and the collector said that the phones had not been received in their warehouse. I informed them that this was not my responsibility as I had returned the phones and had a receipt from their company acknowledging receipt. 

When the credit agency reported me to Experian, I filed a dispute. In the dispute I provided the summary included above as well as a copy of the receipt confirming the returned phones. 

I received the dispute results from experience today and they have upheld the outstanding balance and left it on my credit report. I added comment to my file and re-submitted my dispute and copy of the receipt proving return of the phones. I find is outrageous and criminal that Experian has ignored the proof of return and continues to damage my credit rating.
Consumer complaint received 2018-02-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

My loan was transferred to Bayview Loan Servicing and it has been nothing but a NIGHTMARE! I was doing a Trial Loan Modification and I paid all XXXX payments on time as agreed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming the didnt receive my XX/XX/XXXX payment. I sent proof to XXXX showing it was debit from my account just like XX/XX/XXXX and XX/XX/XXXX payments. She argued with me that it wasnt received. I went to my bank and they thought it was strange also that they claimed they didnt receive my XX/XX/XXXX payment. I called my bank today to asked if they found out what happened and the clearly stated that XXXX XXXX XXXX lied to me! The XX/XX/XXXXpayment was received by XXXX XXXX XXXX and they provided me with the transaction number. XXXX lied to me so that I would file something with my bank and make it look like the funds were returned. XXXX is my witness. I did everything I was supposed to do. They are ripping people off and telling lies about not receiving payments. My Attorney will be handling this because it has STRESSED ME OUT. I HATE A LIAR and I HATE MY LOAN WAS TRANSFERRED TO THESE CROOKS! Please STOP these people from illegally foreclosing on people homes ...
Consumer complaint received 2017-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MT)

My loans were purchased by Navient in XXXX XXXX 2017.  Navient purchased or transferred my loans from the loan servicing company XXXX. With XXXX I believe I was enrolled in the automatic debit program ( ACH ) that included a .25 % reduction in my interest rate for being enrolled in the ACH program. SO the interest rate of my loans serviced at XXXX was actually .25 % less. It seems as though loan companies may not be honoring this actual interest rate borrowers had with their previous loan companies? IS this legal? I am wondering about the legality of this purchase/transfer and the loss of honoring the real interest rate on loans that I may have had with XXXX? I am also concerned that other borrowers are being robbed of this option and I am wondering if you have a response to this? Please let me know if this is legal or if you need any more information from me. Thank You.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 times ) The phone number is XXXX and XXXX The company is identified as Diversified Consultants Incorporated. They are claiming to have an outstanding XXXX bill for me and is requesting that I give them the last four digits of my social security number and my current address in order to receive any of the actual details regarding the past due bill. I have told them over and over again I have a current bill with XXXX and do not have a bill in collections and if I do to please send all the information in writing. They are refusing unless I provide them with personally identifiable information. I called XXXX to clear the matter and they assured me I do not owe the bill. I called back to the collection agency to try to clear the matter and the person answering the phone refused to acknowledge that any one had called me from the company. I told her this was the number showing on caller ID. I told her I has spoken to a young man who identified himself as XXXX XXXX. She would not say whether anyone by that name worked at the place of business.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMS Inc. (FL)

On XXXX XXXX, 2016, we XXXX my mother at XXXX XXXX XXXX/XXXX XXXX XXXX in XXXX XXXX, VA. I paid the bill in full. Then 15 months later, I began receiving telephone calls and bills from FMS, Inc. of XXXX, OK. They claimed that I owe XXXX XXXX XXXX {$3400.00}. I have spoken to the XXXX billing office on four occasions ; each time I was assured that my bill is paid in full and that they have no knowledge either of FMS or of how that company would have information about my business transactions with XXXX XXXX XXXX. I also have spoken with representatives of FMS on two occasions to tell them that their claim is erroneous. I received the most recent bill about 10 days after speaking with them.
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NJ)

Hello, I bought furniture last year from a company thru Wells Fargo credit card. I been trying to pay off what I can every month. However my mother got sick and I cant make the min payment at this point. I been trying to see what can I do.
Consumer complaint received 2017-11-07
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: EQUIFAX, INC. (GA)

on XXXX XXXX XXXX i informed Equifax that an Account they are reporting by Credit Factor Account Info Overview Reference Number XXXX Date Filed Reported on XXXX XXXX, XXXX i informed Equifax that this account was past the XXXX of limitations they responded on XXXX XXXX this was their response " Wa have reviewed* the Lien Information. Case ID - XXXX & XXXX the results are : We have verifed that this public record item is reporting correcty " on my letter i to Equifax i did not dispute that this account is mine but that under federal Law this account is way past the statue of limitations and should no longer be showing in my credit report. 
Equifax has FAILD misserably to protect My personal Information and millions of other Consumers personal Information Now they are showing Disregard to follow the law and not responding to my request to remove this item from my credit report as it isrequire by law Accordingly
Consumer complaint received 2018-01-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Fairway Capital Recovery, LLC (OH)

Fairway Capitol Recovery XXXX calls my work number repeatedly for my wife. This is not ever her phone number. This is my work phone number used for business only and this interferes with my work. It 's an automated call and says it 's a call for ___ ( wife 's name ) and that if this is not ___ ( wife 's name ) then to hang up. I do n't even know what the debt is that they are trying to collect. It may be legitimate. But they need to stop calling me at work. I have repeatedly hung up the phone but they still continue to call.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from Transunion yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the Transunion customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless Transunion is mistaken, it appears XXXX XXXX is knowingly reporting false information on my credit report.