davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
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. (TX)

Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from th eir Consumer Advocate center an d they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from t heir Consumer Advocate ce nter and they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.
Consumer complaint received 2017-06-14
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)

Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from their  Consumer Advocate  center and they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IL)

I am employed by a   XXXX   and insured by the  XXXX .   I ha d a Drs. visit  that was not filed with my insurance correctly.   Whatever the confusion, the debt was sent to debt collection before I ever received insurance information.   A company name d Harris and Harris sta rted calling me sometimes twice a day.   I called them and found that this was an incorrectly handled insurance issue.   I called th e Drs. Office and s traightened out the issues. My insurance then covered the visit.   I am still receiving calls-sometimes robo-even though this has been settled.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (SC)

I settled the debt under the pretenses it would be rightfully removed from my credit report. I paid the settlement amount within a MONTH of it hitting my  report, as agreed upon it was to be removed. Yet at this present time it is still reporting to all   XXXX   bureaus (  XXXX ,  XXXX  &  XXXX . This is in complete breach of what was agreed upon nearly 4 years ago. The conditions were as followed : I am willing to pay the SETTLED amount in FULL : Your company will delete all references to this account from my credit profile at the   XXXX   credit bureaus (  XXXX ,  XXXX , and   XXXX    ) : You will not list this debt as a " settled account : Your company will accept this payment to satisfy the debt in full. NONE OF THESE CONDITIONS WERE MET, accept you withdrawing my funds. I will continue to take action until retribution is made.  I fulfilled my requirements per our agreement and you continue to cause substantial delays in my progression. The report needs to be deleted immediately.
Consumer complaint received 2017-06-14
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: Caliber Home Loans, Inc. (CA)

Hello, I received a call from an unknown source with a file number. They left a message today  XXXX / XXXX / XXXX . I found out that they even reached out to my father who I do not live with. I called back  XXXX  and asked to speak with  XXXX   XXXX , who left me the voicemail. They answered abruptly and asked me for my file number. I gave them File #  XXXX  and he immediately transferred me to  XXXX   XXXX . He verified my information. and went right into giving me information on a debt I allegedly owed.  One  thing that stood out was that he did not state that " this was an attempt to collect a debt, any information obtained may be used for that purpose ''. He stated debt was from  XXXX . I stated I did not recall any debt owed from that period of time. He stated I was a defendant as if I was already being sued. He stated creditor was Vericrest Deb t Collectors  or something similar. He asked me if I would like to handle this debt otherwise they or  Veriquest w ould be moving forward with filing a complaint against me. I advised him regardless of me being owner of this debt or not, that it would be uncollectible due to statute of limitations on consumer debt unde r Fair Debt Collections Pratices Act. As I further went into it stating that this would be a violation on his part, he hung up  on me. I was attempting to get the name of their company, his name and ID and their place of business address but was unable to. I called back about 10 minutes later and spoke to the receptionist and asked for the information, but they only wanted the file number. I told them not to transfer me once I gave them the file number  XXXX , but as soon as I told them that file number, they transferred me right back to  XXXX   XXXX . I got his name, place of business and address before ending the call.   I believe they are in violation of the FDCPA for trying to collect on a debt older than the 4 year statute. I also believe they are in violation of not stating in the beginning of the call that they are " attempting '' to collect a debt. Please see their information below. Thank you.     Name of Company :   XXXX   XXXX   XXXX   Name of individual and ID : Place of business address :  XXXX   XXXX    XXXX   XXXX    XXXX .  XXXX   XXXX , CA  XXXX .
Consumer complaint received 2017-06-14
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. (KY)

On XX/XX/XXXX I mailed approximately 5-6 different checks to Navient to pay off all of my student loans. I had refinanced my house to do so. The checks were received and applied on XX/XX/XXXX. My XXXX XXXX XXXX loans were not paid off since it 's someone different. With me making all payments to Navient in the past I was under the impression that all the checks would be sent to the same place. Upon further investigation it was brought to my attention that they shorted one of the checks {$600.00}. Upon talking to Navient and they put the request in. One for sending the overage to the XXXX XXXX XXXX to pay them off, and the second one, to also apply the {$600.00} they shorted to my account. Since these request can take at least 12 days to go through my XXXX XXXX XXXX loans are going to continue to accrue interest with a late payment. I should have been receiving a check back from them in the amount of {$100.00}. I feel that Navient takes advantage of people and this mess up really is uncalled for taking 12 days minimum.
Consumer complaint received 2017-06-14
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: Ad Astra Recovery Services Inc (CA)

I already settled this debt with this collection agency as of XXXX 2016 and I asked them several times to remove the entry in my credit report that states collection. Although it appears that I have a XXXX balance, debt collection agencies should remove these reports in consumers ' credit files. And they not only do this to me for to other consumers as well. I have requested them many times but all they say is they can not remove it but they only told me that they keep updating it to XXXX balance. That is the case. If they report it as fully paid then they do not have to update it every month. I am disputing this with the company.
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ORG GC GP BUYER, LLC (CA)

GC services is a loan servicer that has my loan threw The department of education. they said if i do 6 payments consistant then my loan will go outta default. I DID THAT THEN THEY STATED I NEEDED 9 CONSECUTIVE PAYMENTS TO FINISH THE PROGRAM. THEN THEY GARNISHED MY TAXES. I DID THE PROGRAM THEY SAID THEY WOULD THEN WAIVE THE REST OF THE LOAN AND THEY DIDNT THEY JUST SOLD MY LOAN TO ANOTHER SERVICER.
Consumer complaint received 2016-08-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America failed to disclose proper documents as to the proper owner of my home. Bank of America also did not allow another modification due to a previous modification within 24 months. I was told I could not appeal and had to start the RMA process all over again and the only option was to short sell. Bank of America had incorrect information from the creditors and the amount for my mortgage was calculated higher, leaving me with a denied application. I have also submitted at summary judgement against Bank of America. My home was sent to foreclosure in the courts by the attorneys of Bank of America. I do not feel Bank of America is doing everything to help me save my home.
Consumer complaint received 2018-04-16
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: JPMORGAN CHASE & CO. (TX)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

XXXX, TX XXXX  Re : Acct # XXXX  To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I have had late payments on my account. This is a formal notice that your erroneous claim is now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2016-08-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (FL)

I had a debit that was included in my chapter XXXX BK, almost two years letter this item showed on my credit reports under collection status for Midwest Recovery Systems. This dropped my credit score XXXX points. I called them and they said their client had n't informed them that it was included in BK, but the damage had already been done. It took them 30 days to remove this incorrectly put item on my credit reports. Its still showing up on my XXXX. I thought this was against the law for them to do that since I am protected by BK laws. They should be fined for this. I should sue.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

I was banking with US bank, after a scheduled transaction came out early and overdrew my account, US bank started to charge me at least XXXX overdraft fees per week, they would not stop.. I called and tried to cancel my account, they would not close it, every time they would try and transfer me to someone, nobody would answer, I got no help multiple times with anybody that I ever talked to and all they ever told me is we cant help you because your account is overdrawn.. the fees kept piling up and I had no way of catching up with also being unemployed
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

I purchased a vehicle back in 2007 from XXXX XXXX in XXXX SC and had the original term set for 6 years, this loan was made with XXXX XXXX. payments were XXXX. Made payments on time and a few months later I received a notice that Santander Consumer bought my account. Well from that point forward I thought that the payments that I made to XXXX would roll over however it seem as if my contract started all over again with XXXX. Every month I would receive a notice that I was making my payments late and receiving late fees but in all reality I was sending the payments in on time but they were not being applied to my account. About a year ago my contract with XXXX had matured and they offer to renew it for 24months bc we had late fees on the account. So we did and the payments went down to XXXX however we had paid almost XXXX for the truck and the original contract with XXXX was only XXXX We are being rob by XXXX and we need help to see what they are doing. Now they are telling me the contract ends next month but we still owe XXXX on the truck. Credit bureau is reporting behind and I make a payment every month but the billing statement is saying we are behind with late fees.
Consumer complaint received 2016-08-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I applied and was approved for a {$40000.00} vehicle loan and PenFed completely mishandled my account to the point of my suspecting intentional manipulation. Pentagon had my {$40000.00} loan approved for application # XXXX. I corresponded with one of PenFed 's agents on the phone and he informed me that all I needed to do was submit my purchase order via fax and my loan for {$40000.00} would be approved. I thought the extra {$700.00} was odd, but I suspected it had to do with filing fees, etc. It turns out that they denied my loan the next day because the original loan amount was {$40000.00} and I increased the amount by {$700.00}. This was ridiculous for XXXX XXXX XXXX denying my loan for the additional {$700.00} on a total initial loan amount of {$40000.00} is absurd 2. A PENFED AGENT recommended the new loan amount and thus intentionally manipulated the situation into a denial. The other agents-Dylan ID # XXXX and XXXX ID # XXXX were completely incompetent while handling my situation. I now do not have the financing I need to purchase my vehicle and may lose the deposit.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (IL)

Ally bank advertises that they do not charge any fees for the international incoming wire transfer. Since Ally bank does not have a XXXX code, Ally bank uses XXXX XXXX XXXX as an intermediary bank. 

I was told from the Ally bank customer service that if the fund is in US dollars, 'Ally bank and the intermediary bank ' will not charge any fees. What is quoted is 'no fee from Ally and XXXX '. However, the intermediary bank charged me {$22.00}. I first contacted Ally, and got a reply to contact the intermediary bank ( XXXX ). I contacted XXXX, then I was informed that XXXX as an intermediary bank always charges the transfer fee. I contacted Ally again, complaining that they provided the wrong, misleading information. However, they maintain that because the fee occurred in the third party, they can not reimburse the fee. 

I am very disappointed that 1. the bank provided the wrong information 2. They refuse to reimburse because it is happened by a third party. Ally bank should take responsibility for providing the wrong information and the loss of the customer from the wrong information.
Consumer complaint received 2017-06-14
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. (TX)

This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   XXXX
Consumer complaint received 2016-08-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (MD)

Had previously set up a payment plan with a withdrawal out of our joint checking account. A year later they claimed I still owed on the debt full amount. When I was contacted I was driving and told them numerous times I did not have the information in front of me. A month later, I received a notice from my bank stating they froze the joint bank account until the amount of {$260.00} was paid to close the debt. Then after waiting two weeks for them to unfreeze out XXXX account, I received a letter still stating we owed the full {$3400.00}. Also, this debt is from 2009. In their letter, it states that they can not sue me or persue me for the amount because of the age of the debt but can continue reporting it on our credit report. 
The debt has been paid. But they misled me on the phone saying I owed the entire amount and never told me it was only {$260.00} that was left. Also by freezing my bank account it caused us numerous hardship because we had bills scheduled to be paid automatically. 
Legally they were not allowed to collect the debt due to the age. 
Do n't get me wrong, I 'm glad we do n't owe them anything but I do n't believe they were allowed to do it the way they did.
Consumer complaint received 2017-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   XXXX
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF THE WEST (NE)

I had a balance transfer check returned as I made it payable to myself "  XXXX   XXXX  '' and not a financial institution. No where on the offer did it state that the check had to be made payable to a financial institution. This was a promotional balance tranfer check.
Consumer complaint received 2017-06-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Several years ago, while I was suffering from  XXXX , a local unscrupulous attorney conned my wife into filing for bankruptcy. I was unaware of the filing and did not sign any paperwork. The attorney encouraged my wife to sign my name. I discovered this filing a few months ago by reviewing my credit report for another purpose. The credit bureau has refused to remove the negative information so I asked to place a personal statement in the file and I provided one to them. This statement has not been posted.