davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I had resolved an ongoing issue with this creditor regarding a credit card. They advised me to dispute it with the credit reporting agencies and they would make sure it was removed. The ONLY bureau it was removed from was XXXX, XXXX and XXXX  are still showing and when asked they advised the creditor, Chase, was reporting accurately. How can they report accurately to one bureau but incorrectly to the other 2??
Consumer complaint received 2018-07-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2018 I sent Portfolio Recovery Associates, XXXX ( et al ), XXXX XXXX XXXX XXXX, VA XXXX a letter that they cease and desist in contacting me via phone - I sent this via registered mail, and have received the reply from the post office that it has been received. Today at XXXX XXXX on XX/XX/18 they contacted me on my Cell Phone about a dept. They called me from this same number at XXXX XXXX, XX/XX/18 as well. Both of these calls were made by them after they acknowledged receipt of my demand they cease contacting me.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ME)

I made a {$400.00} loan payment on XX/XX/18 as of XX/XX/18 it ad not been posted to my account. I contacted Navient and gave them my account number XXXX and the confirmation of the payment XXXX. They placed me on hold for 7 minutes then came back and said that all the account information was correct but had 2 different account numbers listed and they couldn't explain why. After another 11 minute hold they told me that the payment was just not processed after it was received. I was told that my payment was sitting in a holding account and just wasn't applied to my account.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Michigan Collection Bureau (MI)

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (MI)

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Uprova Credit, LLC (IN)

Uprova contacted me About a balance due on a loan I never signed up for or received. The personal information they have for me is not accurate. They continue to harass me about the money when they cant provide proof of where they sent the money.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MI)

In XX/XX/2007 I took out a loan via a local bank, which is affiliated with American Education Services. Since receiving this loan I have tried my best to repay the loan. I am unhappy with the fact that the interest which is calculated at a daily rate keeps climbing. My original loan was {$16000.00}. So far I have paid {$7600.00} towards the principal and {$7400.00} in interest. That is a total of {$15000.00}, yet my balance owed is {$10000.00}. The calculated daily interest rate is what is used to keep you indebted long term as it keeps climbing, my current interest rate is 7.75 %. Why is this kind of unethical " practice '' legal, and what can I do? It's absolutely ridiculous that lenders can steal from borrowers as that is precisely what they are doing when they keep hiking up interest rates to keep you indebted. I do pay on my loans to the best of my ability in the hope of reaching the finish line of being student loan/debt free. But at this rate it is almost impossible when the lenders are allowed to sink their theiving fangs into people like myself who are trying to rid myself of the modern mob bosses who have free reign to do as they please to exploit the poor.
Consumer complaint received 2018-07-13
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: Credit Karma (CA)

There was no Late Payment made for XX/XX/2018. Creditor XXXX XXXX reversed late payment charge and credited my account. However still reported as late payment for the month XX/XX/2018.
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP (ID)

I had a credit card with US Bank I was unable to pay off after being laid off. 
I got a call from XXXX XXXX XXXX in XX/XX/XXXX of I think XX/XX/2013 and they told me that I would be arrested  and have my wages garnished immediately if I did not make arrangements to pay the debt with them. I paid the full amount to XXXX throughout the year. ( Roughly {$1200.00} ) I noticed it still shows owing to US bank on all credit reporting agencies, so I called US Bank. They told me the debt is still with them and that they never hired XXXX XXXX XXXX to collect on this debt and that as far as they are concerned the debt is still owing to them. 
I don't want to pay this debt twice but I have not been able to get anyone on the line from XXXX to arrange a refund. Online searches indicate XXXX often make such fraudulent claims and I had to try numerous numbers before I could even get one that was still in service. 
How can I fix this and have my debt marked as paid?
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CT)

XXXXXXXX XXXX fee practice I made 2 payments to pay off a balance. 

Original purchase date XX/XX/XXXX for {$41.00} XXXX statement rec 'd XX/XX/XXXX via email Minimum payment on statement : {$27.00} due XX/XX/XXXX. 

Made the minimum payment of {$27.00} online and scheduled it for XX/XX/XXXX due date. 

This appears on the statement : MinimumPaymentWarning : Ifyoumake onlytheminimumpayment each period, you will paymore in interestand it will take you longer to pay offyour balance.For example : If you make no additional charges using this card and each month you pay ... Onlytheminimumpayment You will pay off the balance shown on this statement in about ... 2 months. 
And you will end up paying an estimated total of ... 
Onlytheminimumpayment 2months {$42.00}. 

XXXX statement rec 'd XX/XX/XXXX. 
New Balance {$16.00} due XX/XX/XXXX ( {$14.00} + {$2.00} Fee added ) Made payment of {$16.00} online and scheduled it for XX/XX/XXXX due date. 

XXXX statement rec 'd XX/XX/XXXX Statement balance of {$2.00} Statement shows {$16.00} - {$16.00} + {$2.00} fee. 
{$2.00} payment due XXXX XXXX. 

This is my complaint. I paid the balance on the due date that included a {$2.00} fee and now they are charging another {$2.00}. I corresponded 2 x and received 2 replies. 
I don't accept the explanation as I don't think it's right to charge a fee after the balance has been paid off and on time. 

Here is the final reply : Dear, Thank you for taking the time to respond to our most recent reply. It's my pleasure to assist you. 
I understand your concern regarding the interest charge appearing on your account. 
I would like to inform you that an interest fee is charged on your account when you carry a balance for two or more months then pay off the account. If you have been paying less than the full balance of your account and you then decide to pay your balance in full, you will be charged interest on your average daily balance from the first day of the billing cycle through the date your payment in full is received. The interest charge will appear on your next billing statement. 
As always, you can avoid all interest fees by paying your balance in full every month. 

In the future, you can also process your payments using any of these options : Pay in any of our stores Pay by mail Pay by Phone If you have further questions or comments, please contact XXXX XXXX Credit Customer Service online at XXXXXXXX XXXX XXXX by selecting XXXX XXXX Credit Card , or by telephone Monday through Saturday XXXX-XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
XXXX XXXX Credit Customer Service XXXX Now you can pay your bill on-line at XXXX XXXX XXXX
Consumer complaint received 2018-07-13
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. (FL)

I requested Equifax to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX  complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised Equifax upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. Equifax 's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with XXXX and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness to them.
Consumer complaint received 2018-07-13
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. (FL)

on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus Experian ; XXXX XXXX and XXXX that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.
Consumer complaint received 2018-07-14
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. (FL)

The usda home loan reported in experian is showing as open when that account is closed, they also repirted the foreclosure started in XX/XX/XXXX when in reality is started in XX/XX/XXXX, these people are reporting a very high amount of balance including almost 50,000 in attorneys fees for which i shouldn't be responsible because i try to pay those prople for years but they rejected my payments just because they discriminated my soc sec household income for which they are under investigation, i meed you to investigate why these people is reporting wrin info iny ccredit, even though i can still buy a new home with a private lender and what they are doing is not taking that opportunity from me, i still want experian amd usda to report the truth in my report. Is not my fault that usda discriminate payments based on income type and have been sued before, but as you will see usda is the only debt in my report i have no problem paying anybody that dont discriminate XXXX income, usda is the only one violating my rights. I please ask you to investigate what they are reporting is a closed account as open and the trial was on XX/XX/XXXX, the forclosure started XX/XX/XXXX, they ate reporting it waz XX/XX/XXXX, Fortunately there are private investors that understand that banks and credit agencies do commit fraud and report wrong information just to hurt people ijust feel sorry, if you cant do nothing to help is good to know that by law it will be remove in two years anyways and regardless i can still buy a nrand new home, if usda dont want XXXX  incone payment others smart lenders will. I hope you can help these people should stop breaking the law just because they are full of hate too sad but is good to know that there are better lenders out there. hope you can help with this situation. Thank you.
Consumer complaint received 2018-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I submitted a previous complaint though CFPB for the following reason : Equifax failed to respond to my request for debt validation on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Equifax on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Equifax by XX/XX/XXXX as required by the FCRA. 

Equifax responded with : 1.a fraudulent statement through the XXXX website claiming to validated the debt. ( I filed a complaint against the alleged creditor ( XXXX XXXX ) and they were not able to produce the documents necessary to validate the alleged debt per FCRA and fair debt collection act, therefore, it is impossible for Equifax to have validated the debt. ) 2. They completely ignored the fact that they did not complete their initial investigation within 30 days as required by the fair credit reporting act. ( see first paragraph above for dates and details )
Consumer complaint received 2018-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Money market account was supposed to be paying XXXX basis points which was discussed with my commercial banker and have details in writing. Rate fell down to XXXXbps and I was told by XXXX XXXX ( SVP Commercial Banking ) that it was brought back up to XXXXbps per my agreement with the bank. Called the bank earlier this week and was told this still had not been done ( according to XXXX ) as my account was still paying XXXXbps. Left a voicemail for XXXX XXXX and have not heard back.
Consumer complaint received 2018-07-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC (MD)

XXXX XXXX XXXX aka XXXX XXXX XXXX ( XXXX/XXXX ) was included in my Bankruptcy that was discharged on XX/XX/11 and additional loans were also " Charged Off '', but to date, they keep sending my name to " Collection Companies ''. I am constantly harassed and taunted by several different collection agencies until I send them copies of the Court ordered document ( s ). This company is relentless and is tarnishing my credit scores by sending my name to different collection agencies, ( Erroneous/false reporting ). The collection agencies are blindsided because they are not aware of the Bankruptcy and/or charge off until I provide them with proof of documentations. This company must be stopped from tarnishing and/or shredding consumers ' credit by trying to get paid by any means necessary - especially when they have been included in a bankruptcy that was discharged and/or in charge off status. I received correspondence from MRS BPO , LLC stating that I owe {$11000.00} plus of a Co-signed loan - which I included in my bankruptcy - Last correspondence was XX/XX/XXXX.
Consumer complaint received 2018-06-01
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: PNC Bank N.A. (PA)

I am absolutely livid that PNC refused to refund my {$6000.00} that I paid to a contractor, who DID NOT COMPLETE THE WORK!! HE DID NOTHING!!! I had to pay ANOTHER contractor to do this work, and PNC is perfectly fine letting the charge stand even after I sent them text, emails and another statement where the contractor ADMITTED that he did nothing and was asking us not to sue him. I want my money refunded to me NOW!!! I will take this as high as it needs to go as this is completely insane that this has been going on for over 8 MONTHS!!
Consumer complaint received 2018-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MI)

On XX/XX/XXXX, I filed a dispute of a debt Cavalry Portfolio claims to own with XXXX, XXXX, and XXXX. ( see attached letter dated XX/XX/XXXX XXXX, XXXX and XXXX all forwarded the information to Cavalry Portfolio with a deadline to provide validation by XX/XX/XXXX. 

Also On XX/XX/XXXX, I requested Cavalry Portfolio to provide validation of a debt the claim they own I also requested XXXX to provide accounting of the amount they claim I owe to XXXX XXXX. ) On XXXX XXXX, XXXX XXXX XXXX claims to have mailed me proper validation.Yet they failed to provide a copy of those documents in their response. Making allegations or claims without providing documents of support does not hold any legal standing. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( a third party debt collector associated with Cavalry Portfolio ) requesting a settlement for the same XXXX XXXX debt of {$790.00}. This is the only correspondence I have received. 

Cavalry Portfolio never timely responded to my request and have provided no proof they have. 

I am requesting a copy of the letter Cavalry claims to have mailed me on XX/XX/XXXX and proof of mailing they actually sent this letter. 

On XX/XX/XXXX, I filed a Civil claim against Cavalry Portfolio. Since they thought I was bluffing and since it seems to be the only way to obtain unredacted records. 

Cavalry reported this debt to the CRAs with misleading information and deliberately left out crucial information with the intent to defraud. 

Cavalry Portfolio never provided the date of last activity for this account. Alternately Cavalry reports the DATE OPENED as XX/XX/XXXX. This misleads creditors and has a greater negative impact on my credit scores. Negative information has less impact of a consumers credit score as time passes. 

Additionally, Cavalry Portfolio themselves admit they did not buy this debt until XX/XX/XXXX. Therefore, by their own admittance, they reported inaccurate information to the credit bureaus and twice confirmed this information as accurate. This material fact alone is a cause for fines and damages. 

I dont even need to address other false information and violations committed by Cavalry. Instead I will wait for our court appearance and my amended complaint to address those.