davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (MD)

Several years ago my mortgage was serviced by BSI - somehow they recorded the WRONG parcel number when paying the real estate taxes on the property for a number of years. Subsequently BSI transferred the servicing of the mortgage to XXXX XXXX and communicated the erroneous parcel number to XXXX in the transfer. XXXX continued to use the money in my escrow account to pay taxes BUT not on my property. Subsequently, I was notified that due to NONPAYMENT the District of Columbia had sold my home due to delinquent taxes! In a conference call between myself, XXXX and DC the shortage was identified and XXXX paid the outstanding balance owed. XXXX is now billing me for the amount of the shortage which BSI withheld in my escrow account and paid for some other parcel. This is exactly what BSI was charged with in the settlement negotiated and finalized in XX/XX/2019. How do I get my money back from the XXXX at BSI?
Consumer complaint received 2019-08-15
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. (SC)

XXXX XXXX XXXX is not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Consumer complaint received 2019-09-06
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. (UT)

I took out a loan with XXXX in XX/XX/2013 to attend XXXX University in XXXX, IL. My parents took it out for me to help my credit score for future events in my life. The loan was only for around {$2500.00} I believe. My parents then paid off the full amount immediately after for around {$2700.00}, whatever was quoted to them. Then just a few months ago, after 5 years of hearing nothing, thinking it was long in the past, I get a report from the credit bureau that my account with XXXX was delinquent, 120 days past due and that I owed XXXX dollars in interest ... I had no clue of this for the last 5 years. 

There is no way I would leave XXXX dollars left on my loan like that. ( Apparently it had grown to XXXX from late fees ) My parents paying the {$2700.00} was an attempt to pay them off. Thats what they were quoted and paid. I feel cheated by them. And now since then I have looked into it and thats what they have done to thousands and thousands of people. Ive tried to call them and get this figured out and its impossible to get through to anyone and when you finally do its pointless. The wanted me to get online into my account to get all the information there. But I realized thats a trick of theirs as well. In the fine print you agree to things that Im sure help them get by with it. Like you agree that everything we provide is accurate and true. I didnt feel comfortable with that obviously. So I told them on the phone I wanted a copy sent to my email of the payment history and balance history. So after 24 hours I get the email and once again it says, log in to your account to view your documents you asked for. I am not going to fall for their tricks. I just want a fair report and honesty. 

Im currently in the middle of trying to refinance my home, my credit score was XXXX and it was going to drop my payments roughly 200 dollars. Now I cant. It got dropped 90 points. All of this has cost me so much time and money that I will never get back.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I bought two small laptops for my XXXX for XXXX gifts, they never would work. I returned them to a third party company that sold through XXXX. They would not even answer my emails. So I refused to pay XXXX, because they were charged to my card. XXXX wouldnt even get involved. They closed my account and sold the debt to a debt collection company.ive done everything I know to do. Help.
Consumer complaint received 2019-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.L. Zager P.C. (NY)

This is not fair and all facts should be looked at. This was first a workmans comp case that was wrongfully entered back in XXXX. When workmans comp contacted me I told them this was personal injury and provided health insurance. 2 years later I was never notified of the debt until it showed on XXXX. I called and paid ASAP. I am a business owner and check my credit history Im 100 % on payments. Zager collection claims it was put in back in XX/XX/XXXX. Never revived any mail or anything on this debt. I was forced to pay to avoid bad credit rating. XXXX says it was put in XX/XX/XXXX. Theres a date Discrepancy. When it says XXXX. Good way to Ruin someones life and credit. Its wrong to put this against me and drop my credit rating. Please resolve or help me resolve to get removed. Thank you XXXX XXXX
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps (NY)

I paid to have my credit repaired from Expert Credit Sweeps owner XXXX XXXX she was suppose to send out a dispute later to all 3 Credit Bureau on XX/XX/XXXX19 and i should have received a response back from the credit bureaus in 30 to 45 days i haven't received anything back from the the bureaus so i called them to ask about the disputes and all 3 bureaus said they have no dispute on file i also asked for proof from expert credit sweeps and have not received that as well i am being scammed she has taken {$300.00} from me for this work and will not provide proof of the 1st dispute later she claims she sent out
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MA)

There is an inquiry that has been placed on my credit report on XX/XX/2019 by Synchrony bank from SYNCB/AMAZON. I disputed this inquiry with the credit bureau XX/XX/XXXXXXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

It seems America Express only approves me for cards with high annual fees. On XX/XX/2018 American Express Approved me for a Gold Card with a {$250.00} annual fee. I have the same exact credit with the same report. And when I tried to apply for an American Express Card with NO annual fees they decline me. Even though American Express approves me for a card on XX/XX/2018. My credit is even much better today than it was on XX/XX/2018. American Express is a fraud. And they are just trying to get me to pay for their annual fee. Even though they short me out of membership points.
Consumer complaint received 2019-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (CA)

I was pre-qualified for a {$50000.00} loan via XXXX XXXX at 14 % APR. I applied and submitted all required documents. Where it asked for my university diploma there was a box for I dont have this. I selected that. 

The next day Upstart contacts me to tell me they got my application but I needed to submit a better pay stub and add my W2. During this conversation the employee casually mentions my 21 % APR and {$3600.00} origination fee and asks if I have any questions. I said yes ; that the APR was  supposed to be 14 % and origination about {$1200.00} lower. He responds that this is because I didnt include a picture of my diploma. I expressed my displeasure with that and he told me I could provide an online transcript and he would note on the account to reconsider loan at original terms after this was received. Fine. 

I submitted my new paystub and W2 and school transcripts as this miserable company required to get the original 14 % terms and 2 days later, they just emailed to tell me that I need to give them copies of canceled checks and by the way, THE LOAN IS NOW 28 % APR. 

Their SOP is obviously to bait and switch and pressure borrowers into accepting absurd terms.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (MI)

XX/XX/XXXX I sent a certified letter and asked pro collect to validate the debt that was owed. A couple of weeks later on XX/XX/XXXX I received a letter that had some but not all papers of the lease and some documents that had what was owed on it. But the amount owed didn't make sense because it had 3 extra Months of rent on it. I sent another certified letter out and Asked for the Full Lease agreement and why there was 3 extra months owed and if there was a settlement offer and I have received the returned receipt back on XX/XX/XXXX but nothing else back from what I requested.
Consumer complaint received 2019-08-13
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: CITIBANK, N.A. (NJ)

I enrolled in the Citi Priority Checking Account promotion that stated " open an new regular Checking account in the Citi Priority Account package by XX/XX/2019 and meet the following requirements : Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend {$750.00} required minimum amount on purchases using your Citibank debit card in order to receive XXXX XXXX XXXX miles. '' After I met the requirements, I called Citibank and confirmed with the phone representatives that I satisfied the requirements, and they affirmed that I did and would have to wait 60 days to get my account opening bonus. I met the requirements within the time allotted and have waited for the required time to pass and have not received my XXXX XXXX XXXX miles. It has been months now and I have called on multiple occasions and filed inquires to have this resolved, but to no avail. I am now being told that my {$750.00} debit card transaction does not qualify because Citi is not showing my pin being used. This was not outlined in the terms listed above. I have met the terms of the promotion from my side and would appreciate the miles to be deposited in my account.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

XXXX XXXX XXXX XXXX Account Number XXXX Fed Student Loan Account 150,000+ XX/XX/2019 and XX/XX/2019 show as 90 days and 120 days delinquent, respectively. I was not delinquent because I was working with them to get a new Income Driven Repayment plan, at their instruction. I spoke with a representative on XX/XX/2019 at approximately XXXX who said that she understood that there had been a mix up and that they would make sure that everything was cleared on my account and that I would be able to continue working towards a resolution for my Income Driven Repayment options. I was unaware of the incorrect reporting of 90 and 120 days until I checked my credit after I was told that XXXX had a breach and my information/SSN was a part of that breach.
Consumer complaint received 2019-08-14
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. (NV)

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXX Also Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX.
Consumer complaint received 2019-08-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Service in XXXX XXXX, CO is making up fake accounts and reporting them with late payments on my credit reports. I never had any accounts with them and don't owe them any payments but they put 90 day late payments on my credit report and total destroyed it. Please have them remove it from all my credit report ASAP.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

Identity stolen and used without my permission. Stranger used my information to try and open a number of credit cards in my name and while most were denied I know have many hard inquiries on my credit score because of it.
Consumer complaint received 2019-09-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (KS)

I have had a lease for a car for my daughter for three years through JP Morgan Chase. I was 60 days ahead of all scheduled monthly payments throughout the initial lease period. In XXXX, my daughter decided to extend the lease for 6 months. She was informed by Chase, that the payments would remain the same. Nothing more was disclosed. 

I had a credit monitoring service just inform me that my credit score took a hit due to JP Morgan finance. I immediately called chase over the Holiday Weekend and they were closed. I called today, Monday,   XX/XX/XXXX and was informed that when the lease was extended, new payment arrangements had to be set up. I was never informed of this via letter or otherwise. I asked Chase today, why didn't they call me to inform me of late payments. They stated they have 'too many accounts ' and 'we don't always call. But we do send a letter '. 

Interestingly, today I received a letter from chase stating I was behind on payments. I already settled the matter this XXXX, and when I inquired as to clearing the delinquent reporting to credit bureaus, Chase stated we can't do anything for you '. they stated that I was told on XX/XX/XXXX 'that new payment arrangements must be made ' ( I never talked to anyone, my daughter took care of the lease extension ). I was told that there were details involving the conversation ( that I never had w chase ) so, I asked if Chase would mind sending me the recorded conversation. I was told 'this would not be possible '. 

So, I now have a derogatory credit report from a company where I made payments 60 days early for three years and when they extended the lease, and didn't receive new payments because I didn't know I needed to reschedule payments, Chase now reports me delinquent for {$100.00}, and they won't access the alleged call where anyone was notified of the new payments needing to be scheduled.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants contacted me via mail stating they were attempting to collect a debt. I responded to Diversified Consultants by US Mail requesting debt validation of the alleged debt, including proof the debt belonged to me, proof of Diversified Consultants legal right to collect the debt, as well as an itemized statement of the alleged debt. Diversified Consultants responded with a form letter and a one page copy of a statement that does not include my name, my billing address, or any ability to determine that this statement belongs to me.

I responded to Diversified Consultants by mail again asking for proper validation of the debt. As of yet, Diversified consultants has not responded. On XX/XX/2019 I was made aware that Diversified Consultants had posted a collection to my consumer credit report without properly validating the debt in question.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

I applied for an Amazon Store Card. I feel like I am getting the run around from them and that I have an unnecessary inquiry on my report ( XXXX ) because they continue to deny me. They pulled my report. My score is a XXXX. I have no negatives on my report and no one can tell me why. XXXX  can't tell me and Synchrony can  not tell me. If they are not going to approve me, I would like to know why. I spend a lot of money with them and I would like to have a card through them, but I don't understand why I keep being denied. The automated system is flawed and they should have some type of manual review for cases like mine.
Consumer complaint received 2019-09-03
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. (PA)

I have reached out to Equifax at least for the last two months once a week by phone and mail to report unauthorized activity happening with my account. Believing that Im a victim of fraud, Ive even gone as far as filling an identity theft report with the FTC. I have not gotten one single returning mail about the investigation, I get a run around on the phone and I have technical difficulties disputing these items online. 


Inaccurate Information Creditor : XXXX/XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX Unauthorized Hard Inquiry on XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Closed account opened on XX/XX/XXXX This is not my account and I have already disputed this item with XXXX and had it removed. Equifax and XXXX are still reporting fraud account
Consumer complaint received 2019-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (CA)

i sent all verified of receipts payed for services by XXXX XXXXXXXX to allied collections svcs they continue to say i how money which is not true. i have all receipts showing balance of {$0.00}. it has affected my credit score and i have tried to get this removed with no success.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (FL)

Letter was received from Maury Cobb Attorney at Law on XX/XX/2019 requesting payment of a debt in the amount of {$270.00} that they obtain from XXXX  or a judgement would be filed against me within 30 days if payment was not received. 
I replied to the letter On XX/XX/2019 stating the debt was paid directly to XXXX along with proof of the paid bill of {$230.00} on XX/XX/2019 with confirmation number of the payment. 
To date I have received 16 phones calls from his office on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (NY)

I had a XXXX data plan and it never worked and I did not use it and returned it back to XXXX within the return time period a long time ago. They kept my name on some account with them when I dont have an account or contract with XXXX. I am with my current provided for almost 10 years and I have not signed up for any XXXX services. I am going to file a lawsuit against this unknown account and company for having placed derogatory negative mark hurting my credit score. 

I have no clue what is Source Receivables Management and have never been contacted about this issue.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Company closed account after payment was made claiming that terms we're violated, but are not, providing specific reason. They will be unable to provide any because I did not violate any terms and have made perfect payment history on the " secured '' credit line for over a year now.. I have asked them to correct this error and reopen the account and they are refusing to do so and refusing to provide adequate specific reasoning for the closure.
Consumer complaint received 2019-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX  cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.