davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc (TX)

I got a payday loan with XXXX XXXX XXXX back in XXXX or XXXX of 2016 - I could not make my payments due to me losing my job. Well, recently they started calling my 6 month XXXX  sister ( XXXX at XXXX XXXX ) and telling her she was going to press charges against me for some " bad checks ''. ( I have never written a bad check ). I had numerous numbers call me ( # 1. XXXX - called 9 times today- ( # 2. XXXX - called twice today ( # 3XXXX - Called me 6 times yesterday ( 4. XXXX - called twice yesterday ( # 4XXXX - called 3 times yesterday ) I called XXXX and spoke to her and besides the fact that the was very rude, she tells me I have a balance due and I have to pay something on it today, if not my paperwork will be sent in for " civil proceedings '' and I would go to jail, all while my children were in the car listening to this conversation ( which is why I tried to explain to her what the situation was ). I did explain to her that the reason I had not paid it was bc I lost my job that time and could not pay anything. I now have medical bills arising for something I was diagnosed with last month and I can not pay the balance and she refused that I I told her I can make a payment on Friday and she said I have to pay today. She said to find someone who will let me borrow the money, so I told her I would call her back so I can speak to someone who would lend me the money - She got upset and said that that was the problem, that I needed to pay then. I told her I would need to let my boyfriend know what was going on and she hung up on me. I ended up calling my boyfriend ( who is a XXXX XXXXXXXX in town ) and he told me not to verify or give any bank/card information. So, I call XXXX back and tell her I had just spoke to my boyfriend, who is a XXXX XXXXXXXX, and he told me not to give out any personal information until I knew who these people were and before I could get another word out, she said she did not care if who he was and right when I was going to say something, she hung up on me ( she said hanging up was noted as " refusal '' ). 
I'm at a standstill because I don't want to go to jail for a payday loan and I can't get anything done with these people
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

I have a complaint because I was charged a late fee For the month of XXXX. My bill is due the XXXX of every month. I paid XXXX dollars on the XXXX of XXXX .. And later paid XXXX dollars early.. I was told the extra payment didn't count because a new bill wasn't generated yet. Then later after I paid my bill in FULL on the XXXX of XXXX I still had a fee later taxed on.. Although when I paid online I clicked the PAID in FULL button and it was at XXXX balance. I asked to speak to someone in charged to voice my concerns or a manager.. I was told I would be connected to XXXX and was disconnected.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (IA)

I applied for a total rewards XXXX card. On XX/XX/XXXX, I got a letter from XXXX XXXX stating I was denied due to 4 reasons and the score they used was XXXX. XXXX XXXX  used XXXX XXXX for the information and the letter gave me all the information to contact XXXX to see why. I did call them. They sent me a consumer report with only my basic personal information. No reason why I wasn't given credit Under " your accounts '' no information reported " inquiries '' no information reported, " other information '' no information reported. I again called XXXX and told them this consumer report tells me nothing. I want to know why I was denied and XXXX XXXX says I am to contact you to get this information. XXXX said they do not use the three credit bureaus and they are a consumer reporting agency and the only information they have is on my report. It tells me nothing so how can you make this determination? XXXX says based on the information from XXXX I had too many inquiries, length of time since most recent delinquency too short, limited history for consumer at this phone, not enough debt experience. None of these are true. My letter from XXXX XXXX does not give the option to contact the credit bureaus, only XXXX. Also yesterday I received a letter addressed to XXXX XXXX using my address from XXXX. I do not know an XXXX XXXX
Consumer complaint received 2018-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (UT)

XX/XX/18 Regarding Toyota Motor Credit. We had not received our statement by the time the payment was due. I contacted the company and they said that they only send out statements as a courtesy and I have to request a statement/bill be sent. They have been sending out the statements for two years. I have no way to mail my payment without a statement to send with my payment.
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: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

On or about X/XX/17, I was contacted by Discover regarding a credit card account opened in my name. I advised that that I had never opened such an account and verified my personal information. They indicated that they would open an investigation into the matter. I received a notification from them dated X/X/17 that they had completed their investigation and determined that no fraud had taken place and that they were opening a new account in my name and would be sending me statements, and that I would be responsible for approximately $ 9k+ in charges. <P/>On X/XX/17, I contacted the credit reporting agencies to advise them of the identity theft and to determine if other accounts had recently been opened in my name and found that there had been, with XXXX XXXX, XXXX, and XXXX XXXX XXXX. In contacts with the aforementioned creditors, they were far more helpful and immediately closed the fraudulent accounts and absolved me of any responsibility for repaying any of the fraudulent charges. <P/>On X/XX/17, I contacted my local police department, who assigned a case number and opened an investigation. All of the aforementioned creditors, including Discover, were provided with the police department case number and contact information. This information has also been provided to the credit reporting agencies. <P/>In the meantime, I just got an email advising me " my '' new card was being sent to me. I continue to get collection calls from Discover ; each time I respond to them advising them that I never opened an account with them. I then get transferred to their " fraud '' department, and each time the tell me that I am liable for charges associated with the fraudulent account. <P/>It should be noted that I have never received a credit card or any statements from the aforementioned credit providers at my physical address. Correspondence from Discover was mailed to that address only after they found my real phone number and called me about the account and I provided them with the correct physical address. Upon contacting the other creditors, it was also determined that they too had been provided fake email addresses and phone numbers.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (IL)

Cancelled monthly monitoring services with Experian at XXXX XXXX  on XX/XX/2017. Since that period, Experian has continued to charge my Debit Card {$24.00} every month. The debit card is only given enough money to cover specific monthly expenses. Because they keep charging me, my account keeps getting charged overdraft fees. Each time I try to call Experian, my average " hold time '' is an hour and 45 minutes.

They continue to keep attempting to charge my debit card and I have had to cancel the bank account to avoid continuing charges.
Consumer complaint received 2017-07-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (WA)

I am trying to complete a refinance on my home mortgage, changing it from an FHA to a conventional loan. I ordered a payoff on XX/XX/XXXX good through XX/XX/XXXX since this is an FHA loan I have to pay interest good through the XXXX of the Month. When I notified I was not going to be able to close on my refi by XX/XX/XXXX, I called on XX/XX/XXXX and requested a payoff good through XX/XX/2017 knowing I would have to pay a full month interest to close out my current FHA loan. <P/>I have called 3 more times as of X/X/2017 and still have not received an updated payoff. My rate lock is now expiring and American Financial Resources does n't seem to know how to process an updated FHA payoff in a timely manner.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

My complaint is against the credit agencies, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with that Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (FL)

I requested a paper verification through the USPS because there are 3 debts on my credit report that I know nothing about. I never received the verification. I then contacted the company to request the verification verbally. 3 different reps stated that they would not send out another verification because company policy is that if the first verification sent out is returned to sender they will not send out another one. I advised her she could fax or email me the verification as well. She said they will not. I attemped to do a pay for delete so that way I can just get it off of my credit and they will not do that either. I need verification that they will not send to me. I advised I did not know about the debt and that I could not have signed anything since I don't live in NC. I haven't lived in NC since 2014. They will not send me out verification.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This company continues to not verify this account is mine by showing me proof bearing my signature ..i never signed a contract of any kind with this company. Company continues to call my phone through out the day non stop at times, They also violated fair debt practices by not responding XXXX my second dispute letter with XXXX a direct violation
Consumer complaint received 2018-03-01
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 — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (NY)

Back in XXXX I leased a XXXX I paid it off owing XXXX XXXX in XXXX, all 3 credit bureaus have me owing a balance of {$5200.00} I have reached out to all 3 Bureaus several times XXXX removed the debt & put it back in my report a few months later..
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 — Account information incorrect
Company: Focused Recovery Solutions, Inc. (VA)

Focused Recovery Solution ( FRS ) - I paid off the attached debt to the creditor. Once my check cleared I contacted the account to verify if my account was updated and information forwarded to the credit bureaus. I was informed FRS does not update the credit files with partial payments. I advised the account I was only aware of the balance of {$750.00} and inquired of the difference. The FRS collector advise she wasn't sure of the difference therefore I disputed the balance of {$130.00} with the account. To date I have to received an explanation of the remaining balance. 

Once FRS advised they did not update partial payments to the credit bureaus I forwarded the information to the credit reporting agencies directly ( XXXX, XX/XX/XXXX and XX/XX/XXXX ). All three had updated my file to reflect the correct balance however when I checked my report with XXXX today I've noticed the full amount of the account was re-established on my credit report ; which is erroneous.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I received a notice from CITI that they were going to decrease my credit limit because of a " delinquent credit obligation. '' I called within a day or two of receiving that notice and informed CITI that the subject of the " credit obligation '' in question was a fraudulent account that was created through an identify theft. I told them that I had reported that fraud, opened a police report, reported it to the three bureaus, etc. The CITI person told me that I had to go back and redispute the payment history and then call back to CITI again. 

I have made each payment to CITI timely and do not have a single late payment on my credit report, which of course can be verified. 

Today, XX/XX/XXXX, I just finally received confirmation that the fraudulent account has finally been closed, removed from my credit, and that no bad payment history is showing. 

I called CITI again to confirm that this had finally been closed out. However, CITI now tells me that because we are outside of the " 60 day window '' for reconsideration of the credit decrease, that they will not change their decision. When I called in XXXX, I was never informed of any " 60 day window. '' The customer service agent attempted to do a credit increase today, XX/XX/XXXX, and, of course, it was declined. 

CITI has hurt my credit score and credit report by decreasing my credit to an amount close to where my balance is. This makes it appear that my credit is maxed out and hurts my debt to credit ratio. This was all done improperly, even after I notified CITI of the fraud on my account and in spite of going through the effort to have it removed, as they said, but what CITI really has done is to put me on a wild goose chase. 

CITI should restore my credit back to where it was, they had no cause to hurt my credit score in this manner. 

For anyone else reading this account about CITI, do not do business with them.
Consumer complaint received 2017-07-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

XX/XX/XXXX : I received notice that my repayment plan was ending, and that I would have to submit a new IBR by XX/XX/XXXX in order to stay on the plan.
<P/>
XX/XX/XXXX : I submit an Income-based Repayment ( IBR ) Plan request, along with copies of my tax return.
<P/>
XX/XX/XXXX : I was informed by FedLoan that in order to process by IBR ( I was switching plans ) I would have to make a one-time payment of {$150.00}. FedLoan stated that they would inform me of the due date for the {$150.00} payment.
<P/>
XX/XX/XXXX : FedLoan informed me that they placed me on a Standard Repayment plan ( no reference was made to the IBR I had submit ), and that my new monthly payment was going to be {$420.00}, starting on XX/XX/XXXX. At this point in time, my payment history was up to date, with the next set of charges owed slated for XX/XX/XXXX.
<P/>
XX/XX/XXXX : FedLoan sent me a notice that my interest payment of {$150.00} was past due. I had never received a notice that I had an interest payment due in the first place.
<P/>
XX/XX/XXXX : I paid the past due interest payment of {$150.00}.
<P/>
XX/XX/XXXX : FedLoan sent me a notice that my request for lower payments was denied because I had not submit the monthly payment. When I logged on to my account, I saw that my monthly payment was now {$720.00} a month ( up from the previous $ XXXX/month ), and payment was not due until XX/XX/XXXX. I had been denied lower payments because I had not paid the monthly payment, which was not yet due.
<P/>
XX/XX/XXXX : I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/> XX/XX/XXXX : FedLoan did not process my most recent IBR, and so I was forced to pay the monthly payment of {$720.00}. I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/>
XX/XX/XXXX : FedLoan denied by IBR, stating that they did not have a copy of my most recent tax returns. <P/>
XX/XX/XXXX : I submit an Income-based Repayment Plan request, along with copies of my tax return. Again.
<P/>
XX/XX/XXXX : I received a phone call from FedLoan Servicing about my student loan. I called them, and they informed me that my IBR had been denied again because I did not submit my tax returns. <P/>In talking with the agent, I expressed concern that I could see on my FedLoan account that I had uploaded the tax returns four times, and did n't understand why she could n't access them. <P/>She said that I had only uploaded a payment voucher, and not a tax return. <P/>I asked her to open the document again and to scroll down to the fifth page, where she could find the tax returns. She did as I asked, and confirmed that yes, they had copies of my tax returns, and that she could see all of the previous tax returns that I had uploaded. <P/>My IBR has been on hold because no one could be bothered to scroll past the first page of a 21 page document. <P/>The agent informed me that she would send my request for expedited processing.
Consumer complaint received 2018-03-01
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. (CA)

XXXX sent me two promotional offers for the XXXX XXXX XXXX XXXX cards that I have that were recently forced to convert from XXXX XXXX cards. The offers state that I would earn a {$50.00} statement credit for each after spending {$500.00}. However, XXXX did not send me the XXXX cards when they said they would, and therefore I requested they send me the cards and that somehow changed my account number and they are now saying that the promotion will no longer apply.
Consumer complaint received 2018-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (LA)

I have made several attempts to solve repaying my student loan with XXXX. Sent in a form to apply for a deferment and hardship since I feel behind to constant medical bills. They denied it and came up with a repayment of {$190.00} per month and this is definitely too high. If I am having a financial hardship, then I definitely can not pay that amount. 
When ever I email to get a better term payment, I get harassing emails on paying. It appears that this company lack compassion or just bothersome and want to harass a person. 
What can be done to have them come to realization that I can not pay {$190.00} a month with the hardship I am having?
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

i phoned the lender and tried to get them to postpone the foreclosure sale since i have just received an offer on the property and the buyer is very serious about purchasing the property. I have fallen on hard times and i was unable to pay my mortgage and when i went to my lender to see if they could assist me with the other alternatives, they were not really invested in assisting me. I feel as if they have been unreasonable and unavailable while i am going through this tough time. I need help and i am hoping that you are available to assist me. the lender continues to ask me about a retention option.