davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (NY)

I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX.  XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.
Consumer complaint received 2017-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (KS)

My spouse and I both have Chase Auto Credit loans. My loan was financed about 4 1/2 years ago and my husband recently financed a XXXX XXXX XXXX. We also have two Chase credit cards. When the auto loan was funded, Chase immediately linked it to his other account. So, I went in to the account to schedule the first payment. It would n't allow me to schedule it because it stated a bank account had not been linked. So, I went into " add external accounts '' and added our checking account information. Then, I received an error message that stated an account with this information already exists in another profile. So, I messaged Chase about 48 hours ago to let them know we were experiencing a problem linking the checking account. I had the same problem 4 1/2 years ago when I purchased my XXXX, because our account information was linked to my credit card. As of today, I still had not heard from Chase. So I called them like I did 4 1/2 years ago to resolve the problem. The first rep I spoke to suggested adding more zeros to the beginning of the account number. This way it would trick the system into thinking it was a new account number. I told him hemust get this complaint a lot, and he laughed. I told him that I would have thought that Chase Auto Credit would have fixed the problem by now, and I asked him to bring it to someones attention. He told me that I would need to complain to someone in the auto credit division and he transferred me. Then, when I complained to the person in the auto credit division, she stated I had the wrong department and was going to transfer me again. I told her not to bother ; instead, I would just file a BBB and CFPB reports. First, a customer should n't be transferred numerous times to different department to complain when they are not even the right departments. Second, the way Chase is handling bank account set ups is archaic and they should have been able to fix the problem by now without wasting the customer 's and their call agent 's time.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MD)

I applied for credit card issued by wellsfargo. I got a communication by e mail that my allocation is approved and the card is on the way and should arrive in one week. To my surprise instead of new card as promised got a letter that my application is disapproved. I want justice. I should add that my fico score is XXXX
Consumer complaint received 2017-08-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

I obtained student loans from Sallie Mae when I was completing my XXXX education. Everything was alright with the loans until I went into repayment after graduation. I was misled about the type of loan I had and the interest rates. I was told that the interest rates would be capped at a certain percentage, but every month my interest rates increase by 0.25 % and all 4 of my loans are above 10.5 % and still increasing. I tried to call Sallie Mae to discuss this and they told me that the interest rates do not cap at a certain percentage. Sallie Mae told me that I would receive a 0.25 % interest rate deduction due to me being signed up for auto pay, but no deduction is reflected in my loan balances. I 've tried to call Sallie Mae to get my interest rate decreased, but they said the only way that I can have my interest rates reduced is if my loans default. I do n't see why my loans have to default in order to get my interest rate lowered. That 's absurd. I pay over $ 4,000/ month in bills and Sallie Mae refuses to work with me, but continues to scam myself and other consumers with their fraudulent practices. I try to keep up with my loan payments but it 's hard to when every month my loan balance increases instead of decreases because I 'm paying more in interest rates than principal. This is unacceptable and Sallie Mae needs to fix this. I 've tried to call customer service on numerous occasions to assist with lowering my interest rates but get nowhere with their very poor customer service. I have a loan balance totalling over {$25000.00} that I have been having a difficult time paying on because I have other loans and bills to manage but the balance does n't decrease because of the interest rate. Why will Sallie Mae not work with me to lower my interest rates until my loans default? That is ridiculous and this type of practice needs to be looked into.
Consumer complaint received 2017-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA on X/X/17 is sending me a credit card statement attempting to collect a debt that was discharged in bankruptcy on X/XX/17. I have attached the statement they sent me and the discharge order.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NJ)

I was offered a settlement amout of {$700.00} on a bill in the amout of {$1000.00} from XXXX XXXX, phone numXXXX, which I paid on XX/XX/XXXX. I have called them on these dates:XX/XX/XXXX, spoke with XXXX XXXX,XX/XX/XXXX, spoke with XXXX XXXX/XX/XX/XXXX, spoke with XXXX XXXX & XXXX XXXX XX/XX/XXXX spoke with XXXX XXXXXX/XX/XXXX spike with XXXX XXXX, XXXX spoke with XXXX XXXX XXXX they have all told me that I will be receiving my receipt for my.settlement payment of {$700.00}. To date I have receuved nothing but a bill for the remaining balance from XXXX XXXX ( which was their client ), that was the bill I owed to XXXX XXXX. All I keep getting is the runaround every time I call. I have also called XXXX XXXX and again I am getting no where. I 've been told by Convergent that the letter has been expedited and emailed to me. Every time I call I am being told give it 7 more business days. Can you PLEASE help me.
Consumer complaint received 2017-08-09
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: DISCOVER BANK (IL)

In XXXX my card was stolen and used for over {$1000.00}. I called within 2 days of the first charges. Discover assured me it 's 0 % liability and I have nothing to worry about. Later I was asked to get a police report and went online to file it, I gave the temporary report but it was n't good enough and they determined no fraud involved. I asked to appeal. Advised to get another police report, which I did. I called it in. Everything was assured to be covered under Discovers 0 liability. I received a new letter X/X/17 stating since nothing new was submitted case was closed again. This was incorrect because I submitted a new police report. In addition to the customer service notes showing I called to cancel and replace the stolen card in XXXX. Help me please
Consumer complaint received 2017-08-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have been working on a short sale with my lender since XX/XX/2017, and I have had an offer since XX/XX/2017. My lender has been stalling, on my paper work, and I am about to lose my buyer due to the length of time it is taking my mortgage to work the file. The assigned negotiator has had me do 4 or 5 extensions, and he even admitted that he had to many files to work at one time. This is ridiculous, what am I supposed to do if I lose my buyer over their inept ability to work my file? Please help me.
Consumer complaint received 2017-05-01
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: EQUIFAX, INC. (OR)

I have contacted equifax on several occasions through mail, online disputes and through telephone. I have sent in documents numerous times stating that my balance was paid in full for several of my accounts and also stated that several of the information they had on file was inaccurate. The phone  call I last  had took place on Friday  XXXX . The operator stated that they received my information but they still could n't remove my delinquent account even though I sent them proof and it was right in front of them. I have already maile d in 3 letters and 3 online di sputes within the last couple months for them to keep listing it on my credit report and allowing my credit to drop drastically.
Consumer complaint received 2017-08-09
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)

Today I got a credit alert from XXXX and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe XXXX and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.
Consumer complaint received 2017-09-16
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: LEXISNEXIS (TN)

lexisnexis was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED.
EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM.
NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ).
I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had two cards from Capital One, a Quicksilver and a spark business card. In XXXX I had paid off the quicksilver and much of the spark card. I informed capital one in writing I was closing the account. I had paid off the quicksilver and there was a credit balance. There was about a {$1800.00} balance on the spark card. In XXXX, I noticed new charges on the spark card I did not make since I had closed the account. I immediately disputed all the charges. I have received a complete answer to these charges. I also directed capital one to apply the credit balance from the quicksilver along with any and all cash reward to the spark card, which would reduce the balance. Last month, I received a new statement from quicksilver, which had new transactions. Again, I disputed all charges. I also told them apply the balance from XXXX and all rewards to the Spark card. I have not received any response from Capital One.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in XXXX Dept of ED/XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.
Consumer complaint received 2017-02-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc. (WI)

I was a XXXX Employee a couple years ago at XXXX in the XXXX XXXX Illinois XXXX and had a minor on the job injury. I reported it and they sent me to the hospital, XXXX XXXX Hospital in XXXX IL, on company time to get an XXXX. The XXXX came back clean and the diagnosis was a XXXX in the XXXX. I got sent the bill from the hospital and gave it to my HR Representative at my XXXX location. I was assured that the bill was going to be taken care of at that time. A few months later I got another statement from the hospital stating that the bill was not being paid on. Again I gave the statement to my HR representative and was assured it was going to be taken care of in a timely fashion. I had left the company a few months later and continued to receive statements from the hospital. I was put in contact with the corporate HR who put me in touch with their XXXX XXXX XXXX and they told me it would be taken care of as well. A considerable amount of time has past and I am now getting letters from the state of Illinois Collection Agency about the bills not being paid on. I have repeatedly attempted to reach the corporate offices of XXXX company and there has not been any response. I have also tried to reach the people from the XXXX XXXX XXXX that worked with XXXX and found that the first person no longer worked there and the next person and agency is also not returning or answering calls. This is now starting to pin me in an unfortunate place and the company responsible, the company who had told me time and time again it was being handled, and their partners are being highly unprofessional in their communication and ways of handling the situation.
Consumer complaint received 2017-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (GA)

I received a Perkins loan through XXXX XXXX College several years ago. I am still a XXXX XXXX XXXX and the loan should be in deferment. <P/>XXXX XXXX College forwarded the loan to ACS campus products and services in order to service the loan and I am now receiving letters that my loan is in repayment and past due. <P/>I have tried contacting ACS customer service SEVERAL times via telephone and they do not respond to any calls. I am left waiting for a representative while background music plays and states " thank you for calling, your call is very important to us. Please stay on the line and your call will be answered in the order it was received. '' After 15 minutes the line goes dead and the phone call is ended. This is consistently. Over 10 phone calls. <P/>I have also tried contacting XXXX XXXX College financial aid. Apparently, XXXX XXXX has outsourced their financial aid phone calls to an answering service. I have called 4 times and have spoken to 4 different individuals who do not know anything in regards to handling this. Two representatives have even told me to contact XXXX XXXX financial aid ... which is exactly how I got to them in the first place as all XXXX XXXX financial aid calls are handled through them. I asked to be transferred to a supervisor - which they said they could not do. I asked to be transferred to someone in the actual financial aid office at XXXX XXXX college and they said they do not have the ability. I asked to speak to the dean of financial aid and they do not have that information. <P/>I called XXXX XXXX college 's general information number and spoke to an operator who stated they only had the same phone number as I did in regards to financial aid and confirmed that the calls were being outsourced. I asked to be transferred to the dean of financial aid and they were not able to do that either. <P/>I am basically unable to get information on my loan and unable to provide information to process a deferment. <P/>I find it to be in extremely bad taste that XXXX XXXX college has chosen to outsource such a critical department to a third party in which sensitive information is held, given, and provided and that they do not have a way to handle students concerns such as mine with direct assistance from somebody at the XXXX XXXX financial aid office. <P/>I also find it to be extremely concerning that a loan servicer, such as ACS campus products and services, who is supposed to assist and facilitate student requests on information about their loan has such an insufficient customer service system to the point that it is neglectful and could lead to major financial issues for those who have loans serviced by them by inappropriately reporting late payments and defaults onto credit reports.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

THE HOME DEPOT DECREASED MY CREDIT LIMIT AND THEN CHARGED ME AN OVER LIMIT FEE ON MY BALANCE I HAVE WRITTEN THEM SEVERAL LETTERS AND THEY FAILED TO ANSWER SO I WROTE ANOTHER LETTER STATING I WAS CLOSING MY ACCOUNT AS THEY DID NOT RESPOND TO MY LETTERS.I CUT THE CARD UP AND SENT IT TO THEM AND THEN THEY CHARGED ME ANOTHER OVER LIMIT FEE
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

I have a several complaints towards this company but this is the newest. I spoke with a " relationship manager '' at Select Portfolio Servicing. As instructed by the correspondence I received almost EVERY day and set up several monthly payments. I just received a check with a letter stating they wo n't accept a partial payment??? I then sent them a message to cancel the XX/XX/XXXX payment since they 're just going to return it. That was yesterday. Today the payment is attempting to come out of my bank account?? I do n't get it. It 's like one hand does n't know what the other is doing. I am also enclosing the fees they 've charged for supposed " home inspections, '' which I 've never witnessed anyone doing, only that a card was left on my door. This company does n't want to help at all! I 'm attaching one of the letters that have the so=called inspection fees. Why is there so many inspections? I 'm told it 's to make sure the house is occupied. The fact that we live here has NEVER been in dispute and has been confirmed many times with Select Portfolio so fees are wrong.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed with Transunion on several occasions the following accounts ( see attached ) that are reporting inaccurately on my credit report : * XXXX XXXX XXXX XXXX XXXX I provided documentation to this bureau that XXXX XXXX is not licensed nor bonded to act as a collection agent in the State of Texas where I reside. Transunion did not respond within 30 days of my initial request as to the validity of this debt and what their investigation consisted of and who they spoke with at this company. The reporting of this account is in violation of Texas consumer law and my federal consumer rights under the FCRA. XXXX XXXX should be deleted as well due to the nature of its reporting. If this account is truly legitimate and they are the original creditor, why is there no payment history reflected nor the terms, or my high balance, or limit or payment status. All of these things must be reflected for accounts with the original creditor. Again, my rights are violated as a consumer ; therefore, both of these accounts should be deleted.