davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Adjustments Inc (MA)

After I graduated from university, my job as a XXXX XXXX XXXX did not pay as much as the school promised. I struggled to pay for rent, car payments, insurance and necessities. With my parents help however I started slowly repaying loans, first those with high interest rates. There was one instance where XXXX processed the payments but did not credit my account. This was my first problem with this private for profit collection agency. After my complaints XXXX issued an apology and recorded my payments. 
In 2017 still experiencing financial hardship I fell behind in loan payments and XXXX overreacted by placing my loans in default. The U.S. Department of Education demanded that the entire outstanding loans be paid immediately or threaten to refer my debt to a collection agency. So my mother took a XXXX XXXX dollars loan from her employer to help me. 
On XX/XX/XXXX I called the Department of Education customer service center to make sure that the payoff amount was accurate. ( XXXX phone log is available upon request ). The customer service representative adjusted the total payoff amount to {$19000.00} My parents transferred the money to the D.E. account on the same day. 
Three weeks later on XX/XX/XXXX, I logged on to XXXX account to make sure that my payment was recorded correctly and that there wasnt any other outstanding charges, the account showed a balance of {$0.00} I truly believed that I was done with loans, but then a letter arrived on XX/XX/XXXX stating I owned more money. How could that be? Now Credit Adjustments Inc. of New Hampshire wants to extort more money {$880.00} for their role in collection process. I am not at fault here. It was the Department of Education or XXXX who failed to maintain procedures to ensure accuracy of loans. Also they provided inaccurate loan payoff information which created false belief regarding my loan. For those reasons I shouldnt be responsible for paying extra interest or collection fees.
Consumer complaint received 2018-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

I have been having trouble with Navient for years. In XXXX I made a substantial payment. I thought I paid off my account in its entirety. The company even wrote to the credit burial that I was paid off. I finally was able to reach some help in XXXX after writing a complaint here. I submitted the complaint in XX/XX/XXXX and didn't get feedback until XX/XX/XXXX. I have paid Navient XXXX much of it while still in school and even more right after the interest period started. My original loan amount is XXXX. I want them to explain in detail showing the math how it's possible that I owe them XXXX. They claim that I overpaid my account by XXXX Instead of applying it to another loan they sent me a check. I told them that I was living in XXXX to volunteer at that time, I told them before I moved there. I want to know where they sent the check to. Now I have accumulated on my account for amounts that I don't even owe and they haven't taken that off. Furthermore, they have added this incorrect bill to my credit score causing it to go down. Can someone please help me.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMCOL Systems, Inc. (TX)

AMCOL SYSTEMS, INC sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still AMCOL SYSTEMS, INC accounts on my credit report with XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-07-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by XXXX XXXX as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for XXXX XXXX and XXXX XXXX XXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Originally the 1st year there were no problems in XXXX, however, when I recharged up my XXXX I had {$200.00} of credit in XXXX now they will not credit my account correctly to ever pay my account down. In XXXX XXXX I owed approximately {$270.00} per the statement if I paid all minimum amounts due which I have in 3 years it would be paid off. I have paid all minimum amounts due every month and on time all months since then except 2 months so only for 2 months should I have had late fees and other fees. All other months were paid 1-4 days early and no matter if I paid in the store, by mail or online directly to XXXX XXXX even if they promise to charge no more late fees still they do. So today my account is over {$820.00} on many occasions I have complained to them still they will not credit my account properly without adding all kinds of late fees and other fees. 
Then in XXXX they sent me a special notice my credit was available for {$350.00} and t go shopping for XXXX. I had not charged anything all last year. So I paid my friend to drive me & spent over an hour made sure when entering the store I had {$350.00} credit they said yes. Then they denied me since I could not find my card so I found my card they had made me put back all items so I spent another 1 hour finding my items again and then they denied me again saying my balance on my card was too high ( of course because they did not credit me properly and added on too many late fees when my payment was not late and too many other fees. Now they took my credit score from XXXX to XXXX last I checked. I am very upset over this. Can you please help me? Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AK)

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XX/XX/XXXX maybe early XX/XX/XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018, I noted two checking/saving accounts and two credit card accounts, which do not belong to me, show up on my Bank of America ( BOA ) mobile App, and I have full access to these four accounts. I reported the incidence to BOA, and BOA start a claim case on these accounts and put them on hold. 

On XX/XX/2018, my own checking account was placed on hold by BOA, the two checking/saving accounts I reported was still active and I still have the full access to them through BOA mobile APP. 

On XX/XX/2018, I called BOA again and let them know they hold the wrong account and was told as the department who hold my account does not work during the weekend, they can not lift the hold. 

On XX/XX/2018, I called BOA again and I was told I have to visit a BOA location with my legal IDs. Then I visited the BOA location at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was informed by the relationship manager there that BOA wrongly merged my customer profile with anthoer customer, who shares the same name with me but lives in a different state, on XX/XX/2018. Because I called on XX/XX/2018 to report the four additional accounts in my APP, this customers account was on hold on XX/XX/2018. As a result, this customer visited one BOA branch, BOA then unhold her/his accounts, terminated my claim case under her/his name and put a hold on my account on XX/XX/2018. I provided the relationship manager at BOA XXXX XXXX location copies of my official IDs and she sent them to an analyst ( XXXX XXXX XXXX XXXX Department ) to prove that I my the legit owner of my checking account. 

On XX/XX/2018, my account was still on hold and BOA still has not separated my customer profile with the other customer, I still have full access to her/his two active BOA checking and saving accounts. I called BOA customer service again and was told though I provided all the documents and it takes XXXX business day for the analyst to review my case. 

On XX/XX/2018, my account was still on hold, I still can access the other person 's BOA checking and saving accounts, and I did not hear anything back from BOA. I was informed by my credit card company that BOA cancelled my payment I made on XX/XX/2018 ( the day I report the case to BOA ). I again called BOA customer service to follow up my case and was informed by XXXX from the billing dispute deparment at FL, they can not provide me any infomration on my case unless I go to a BOA branch.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IN)

Received a notice that a payment I never made had been canceled. I logged into my account and noticed an additional payment was sent via quickpay. I never sent the payment. Chase informed me they couldn't reverse the charge until I submitted a form for them to investigate. I am not clear on how this occurred in the first place and never received any notice about someone logging into my account. I would like the money refunded to my account
Consumer complaint received 2018-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XX/XX/XXXX I made a large payment of {$4500.00} on my account to pay my monthly payments in advance because I was looking to have XXXX later in the year and wanted to ensure that my account was paid ahead so that I would not be delinquent. When I made the payment online, I specifically did not choose the " Principal Only '' option and schedule a regular payment using the other option. What I did not know is that Capital One Auto Finance, per their internal policies, as they have advised me, made the decision without my permission nor did they notify me that they were going to apply the {$4500.00} payment as a principal only payment. For the next few months, XXXX through XXXX, I made my regular monthly payment. When I was out of work in XXXX and XXXX for my XXXX XXXX, I did not make a payment, and in XX/XX/XXXX I started making payments again and made a large payment in XX/XX/XXXX and in XX/XX/XXXX. What I did not know is that Capital One Auto Finance reported my account with them as 30 days delinquent for the XX/XX/XXXX and XX/XX/XXXX payments which have caused damage to my and my wife 's credit report and the denial of credit because of this delinquency. I have spoken with Capital One Auto Finance, and they advised me that it is their internal policy to post payments in this manner and that even with my account being paid seven months in advance they will not remove any delinquent mark from my credit report. They said they feel the delinquent mark is accurate and they only report precise information to the credit reporting agencies. 

I have spoken with several people at Capital One Auto Finance including a young lady who was in the Office of the President. 

I am asking for your assistance in getting Capital One Auto Finance to remove this inaccurate delinquent rating from my and my wife 's credit report.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hunt & Henriques (CA)

I was set up with a payment plan to resolve my debt. I made all the payments to the creditor on time and should have ended my debt in XXXX of XXXX. 

Creditor says they did not cash a check in XXXX of XXXX. I have proof they did. 

In XX/XX/XXXX I received a notice that the creditor was going to garnish my wedges. 

I have tried to contact the creditor to resolve this issue. 

Creditor took money from my paycheck on XX/XX/XXXX.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TX)

I applied for a credit card through Barclay 's Bank in XX/XX/XXXX. Due to the XXXX  data breach, I had a fraud alert active on my credit record. Apparently due to the fraud alert, I received a request from Barclay 's bank for multiple documents including utility bills and copies of my Social Security Card and driver license, and perhaps others. 

I reasoned that the fraud alert was the source of their inability to access my credit records. Since I'm on long term reassignment from my permanent residence, it was a burden to gather all the requested documentation. Since the fraud alert was due to expire on XX/XX/XXXX, I reapplied in XXXX, thinking that would resolve the situation. 

On XX/XX/XXXX, I received a letter stating that my application was denied due to " too many inquiries ''. I called Barclay 's Bank and was informed that even if my fraud alert was no longer active, I would still need to supply the documentation. My credit record is exceptional and my FICO score is currently XXXX. This seems excessively burdensome for a consumer with excellent credit and their stated reason is that they had to ensure that security issues needed to be met. 

Is this a policy decision that can not be reconciled due to requirements under the Fair Credit Act or is this an unfair burden on the consumer? 

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Barclay 's Bank application number is XXXX with the response on XXXX. I contacted them today, XXXX XX/XX/XXXX. I do have a complaint lodged with Barclay 's Bank and was told to expect a response in 24 to 48 hours. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (FL)

I had a medical bill in collections in the amount of {$200.00}. The company agreed that when contacted they will remove this from all my credit reports. I paid it on  XXXX / XXXX / 2017 . I am requesting to get it removed because I have paid it in full and starting the process to purchase a home
Consumer complaint received 2018-02-28
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. (FL)

After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to XXXX/Transunion ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.
Consumer complaint received 2018-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

XX/XX/XXXX, I received a balance transfer offer from USAA for my XXXX card. The balance transfer offer {$0.00} introductory APR until XX/XX/XXXX. The offers expiration date XX/XX/XXXX. I made two balance transfers which posted onto my XXXX card on XX/XX/XXXX. The first transfer was the amount of, {$4500.00} and the second transfer was for, {$5300.00}. 

However, when I received my XX/XX/XXXX, USAA XXXX XXXX statement I noticed the interest charge on the balance transfers was posted. I called USAA on XX/XX/XXXX, and spoke with a representative. The representative told me the balance transfer that I completed expired. NOTE : I have the balance transfer letter that USAA sent to me with the balance transfer information. Clearly I completed the balance transfer before the offer expired.
Consumer complaint received 2018-02-28
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: EQUIFAX, INC. (LA)

As of today, I received my updated credit scores from Equifax, XXXX  and XXXX. My FICO 8 scores are showing the following : Equifax - XXXX ; XXXX - XXXX ; XXXX - XXXX. When I pull up the older version FICO scores from the credit bureaus for mortgages, I get the following scores : Equifax - XXXX ; XXXX  - XXXX ; XXXX  - XXXX. When I asked Equifax why the big discrepencies in the scores, he couldn't tell me why other than every agency is different. If my XXXX is reporting XXXX, Equifax and XXXX   should at least be a XXXX on the FICO 5 and 4. I've been told my several creditors and mortgage lenders that if there's larger than a 20 point difference, it needs to be reported. This is an unfair practice that Equifax and XXXX is doing especially when I'm working hard to reduce my debt ratios and instead of it being rewarded, I'm being punished? How does that work?
Consumer complaint received 2018-02-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Acceptance Solutions Group, INC (GA)

Threatened with lawyers, screamed at, repeated calls as late XXXX est. yelling and singing loudly in my ear by rep XXXX. Told I dont want to pay my bill. Hung up on when trying to discuss debt. Refusing supervisor or manager. Calls as much as sixteen times a day. Company is XXXX XXXX Illinois and XXXX XXXX. Calls from multiple Tennessee numbers, I have a Tennessee cell phone number. I have told multiple reps to only contact me via US mail only to be told that under my contract with the original lender, XXXX XXXX XXXX XXXX Illinois that US mail isnt an option. Please help me stop these people, they are making my life XXXX.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian refuses to investigate the following credit inquiries that don't belong to me, or did not authorized them, they told me over the phone that they will not be able to request investigation! They want me to start chasing these companies instead of them investigate them and delete them as they are the agency reporting these incorrect inquiries. 

Inquiries : XXXX XXXX ON XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2017-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nations Recovery Center (MD)

Received collection letter dated XX/XX/2017 from Nations Recovery Center Inc about a debt for XXXX for {$14000.00} last four digits on letter are XXXX. I do n't owe any money to XXXX I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with XXXX.
Consumer complaint received 2018-02-28
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. (LA)

As of today, I received my updated credit scores from XXXX, Transunion and XXXX. My FICO 8 scores are showing the following : XXXX  - XXXX ; Transunion - XXXX ; XXXX - XXXX. When I pull up the older version FICO scores from the credit bureaus for mortgages, I get the following scores : XXXX - XXXX ; Transunion - XXXX ; XXXX - XXXX. When I asked XXXX  why the big discrepencies in the scores, he couldn't tell me why other than every agency is different. If my XXXX is reporting XXXX, XXXX  and Transunion should at least be a XXXX on the FICO 5 and 4. I've been told my several creditors and mortgage lenders that if there's larger than a 20 point difference, it needs to be reported. This is an unfair practice that XXXX and Transunion is doing especially when I'm working hard to reduce my debt ratios and instead of it being rewarded, I'm being punished? How does that work?