davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OR)

Copy of letter sent to Navient : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX Account : XXXX To Whom It May Concern, On XX/XX/XXXX I spoke with a representative about switching my repayment plan to the new REPAYE program. The representative informed me of how to apply for the change ; part of the new application was to apply for a one-month forbearance, call as soon as I submitted the application, and make a {$5.00} payment. 
I submitted the application the next day. On XX/XX/XXXX I spoke with a representative to make the {$5.00} payment. I was informed that a one-month forbearance would capitalize all of my interest unless I made a full payment of {$630.00} by XX/XX/XXXX. I agreed to these terms, and looked at my options to make this full payment. Later on the same day, I saw that I could have the money ready for payment by XX/XX/XXXX.

I received several correspondence letters, one with the terms of the forbearance. It stated that payments will resume on XX/XX/XXXX. 
On XX/XX/XXXX, I received a correspondence letter stating that I have been approved for the REPAYE plan. When I logged in to see what my new payment would be, I noticed that all of my interest was capitalized less than a week after my forbearance was approved. 
I spoke to a representative, who informed me that the forbearance was set to end on XX/XX/XXXX, not XX/XX/XXXX. I asked for the capitalized interest to be removed, thinking there was an error. The representative stated that she can not do that, but she can transfer me to a supervisor. I spoke with XXXX, who again told me the same information. She told me that a new policy back dates forbearance approvals this meant that my forbearance began on XX/XX/XXXX, and was scheduled to end on XX/XX/XXXX. 
XXXX instructed me to write a letter with this information ; she also sent the case to review. I would like the capitalized interest removed from my account. I do not feel that forbearance terms should be changed without informing the customer. I have submitted a {$650.00} payment, which will make my account current to the terms I was given. I have also included a copy of the letter of my forbearance terms. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX Follow up : I did not know about CFPB complaint process until recently. I received a letter from Navient stating they were correct in applying the interest, despite the fact they retroactively applied it.
Consumer complaint received 2017-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

This is regarding a medical account with XXXX XXXX XXXX that was handed over to collections XX/XX/XXXX. The following collection agency has placed information on my credit reports GRANT & WEBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I found out about it when I checked my credit. I remember I was taken to the emergency room of XXXX XXXX XXXX in California because I was hit by a car while walking on the cross walk in the rain one night when the green light for me to walk was on. The driver of the car did n't see me. I was lucky I suffered XXXX XXXX XXXX only. I 've been on XXXX ( XXXX XXXX  XXXX ) the last several years, before that incident, and I had/have coverage and gave XXXX XXXX XXXX my health insurance info which is XXXX and XXXX. I thought this matter was resolved because I remember in XX/XX/XXXX I talked with XXXX XXXX as they wanted me to pay the bill. I told them to bill my insurance. They told me they were billing me because I did n't provide them the insurance number of the guy who hit me with his car. I told them that 's ridiculous! How would I have the insurance info of some person I 've never met who hit me with his car? Also my only source of income was XXXX XXXX XXXX and the medical bill amount was close to the total amount I was receiving from The Social Security Administration in a year. The way the call ended I understood XXXX XXXX XXXX XXXX was just going to write off the amount if they were n't going to bill my insurances as I had no way to pay such a debt and XXXX is exempt from court judgments and collection attempts. I checked my credit this year XX/XX/XXXX and found that collection account on my credit report. I wrote Grant & Weber and told them I have XXXX and XXXXXXXX and XXXX XXXX XXXX should have billed those insurances but they refused. I also stated it 's unfair to stick a person who receives XXXX payments with a bill more than their yearly allotment from the Social Security Administration.  Why should I be stuck with an expensive medical bill after I was hit by a car when the insurances I have cover emergency room visits? 

I also saw my regular physician last month, XX/XX/XXXX, at XXXX XXXX and they accepted XXXX and XXXX as covering payments for my doctor checkup. 

This is unfairly damaging my credit report. There is no way I can pay this off. I was obeying the law and walking on the cross walk when the green light for pedestrians was on and I was hit by a car. My insurances cover emergency room visits. XXXX XXXX XXXX continues to bill my insurances to cover current medical expenses. XXXX XXXX XXXX refused to use my insurances to pay the medical bills and that 's their choice not mine. This collection account needs to be removed from my credit reports as it is seriously damaging my credit unfairly.
Consumer complaint received 2017-10-28
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. (FL)

On XXXX XXXX, XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a XXXX late payment for XXXX XXXX on my XXXX XXXX XXXX car loan account. 

On XXXX XXXX, XXXX, I wrote a letter ( copy attached ) to XXXX XXXX XXXX and sent it to the following address : XXXX XXXX SERVICES XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XXXX XXXX I made several attempts to make a payment online and the XXXX payment system was down. Also around XXXX XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or XXXX notifying me that the payment was due. I asked XXXX to remove the XXXX XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX responded with a generic letter XXXX copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX XXXX ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.
Consumer complaint received 2017-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

On Friday XXXX/XXXX/XXXX I was in receipt of a phone message alllegedly from XXXX stating that needed to call a phone number XXXX to discuss a debt that I do not have nor was any other information given about any so called debt I might have. 

I believe this was an attempt to coerce me into giving private information to sources that use such information illegally. 

My concern is that such organizations give false information out and this gets picked up by credit agencies and create false reports hat cause me to be denied emplyment or creatre false reports tha tlower ratings in other areas. 

AT NO TIME WAS ANY DOCUMENTS EVER PROVIDED SUCH AS A BILL OR OTHER REPORT INDICATING THAT I OWED ANYONE ANYTHING IN THIS MATTER
Consumer complaint received 2017-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE FARM BANK, FSB (NV)

I was contacted by the law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX regarding a debt owed to State Farm Bank for a credit card account from XXXX. The attorney I was in contact with used threatening tactics claiming I 'd be sued in XXXX for the account if I did n't immediately get on a payment plan to resolve the debt. After several emails back and forth and my mother offering to assist me pay the debt, we agreed on a settlement for the amount of XXXX and the debt would be considered settled and paid in full. I was told I could only communicate with this firm and not State Farm Bank but the payment would need to be addressed to State Farm Bank directly and not the firm since the law firm only represents their client but they do not have the debt directly in their offices. 

The debt was paid and settled in full per my agreement and any lawsuit pending against me dropped. I received a paid in full receipt from the law firm and the debt was considered resolved. In XXXX, I was notified by my credit monitoring services that the account was reported as paid and resolved and no longer negatively impacted my XXXX XXXX and reports. 

As of XXXX XXXX, XXXX, the account was reported with a zero balance. As of today, XXXX XXXX, XXXX, the account was reported as XXXX in the amount of XXXX. This is the same account that was originally collected on and paid/settled in full. I contacted State Farm Bank and they told me the account was resolved with no balance and they informed me they 'd send out proof for the account being resolved, however ; I received XXXX different credit alerts today and my score has changed due to a new account from State Farm Bank being reported as late, charged off and delinquent.
Consumer complaint received 2017-10-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info?

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.
Consumer complaint received 2017-10-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted.

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.
Consumer complaint received 2017-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2288984 Ontario Inc. (MD)

I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the XXXX  requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the XXXX XXXX a documentation must be provided. You as a company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections XXXX not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything
Consumer complaint received 2017-10-29
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. (MO)

I send equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following late payment that is currently being reported on my credit report with the XXXX. As well as XXXX collection accounts that has remained non compliant as well as unverified. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX Also Reporting inaccurate addresses that I currently DO NOT reside at in which I called several months ago requesting for them to remove from my credit report in which they are still reporting the following that needs to be removed XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2017-10-29
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. (GA)

On XXXX XXXX, 2017 I sent a certified letter to Equifax asking them to investigate and validate the following two accounts on my credit report. 
XXXX XXXX XXXX XXXX Equifax sent letters back saying they were verified. I sent another certified letter on XXXX XXXX, 2017 for XXXX XXXX and on XXXX XXXX, 2017, for XXXX XXXX, informing them that they failed to verify the accounts, asking for a re-investigation and the method of verification of both accounts. I also asked them to provide me with documents bearing my signature, showing that I have a legally binding contractual obligation to pay the creditors the exact amount claimed. On XXXX XXXX, 2017 I received a letter saying the same thing for XXXX XXXX verified. On XXXX XXXX, 2017 I received another letter saying verified for XXXX XXXX. 

This is a violation of the XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-29
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: AMERICAN EXPRESS COMPANY (WI)

In XXXX, I signed up for a XXXX XXXX XXXX American Express card, as they were offering XXXX bonus points if I spent {$750.00} on the card in the first 3 months. In XXXX I spent more than the {$750.00}. As of today 's date Ihave not received the bonus points despite having contacted American Express several times. I filed a formal request for investigation on XXXX XXXX, 2017 requesting that this be expedited because my plan all along was to use the points for XXXX travel. As I called tonight XXXX XXXX XXXX XXXX their representative told me that it continues to be under review but that their marketing department is failing to respond to these issues and that I am not the only customer who is having this issue.
Consumer complaint received 2017-10-28
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. (VA)

From the end of last year, especially from XXXX of this year, there are many unrecognized credit inquiries appearing on my credit report. I suspect that my ID have been stolen in a grand scale. How, who, and where could I find the right help to resolve this issue and prevent further ID theft crime? Thank you very much
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Hello, After talking about my issue with a group of friends they referred me to this site as a possible way to get clarification and a total answer to a credit card API Inquiry. 

In XXXX of 2017 I contacted Chase about my Chase Sapphire Preferred Credit Card and its APR ( Annual Percentage Rate ). 

I wanted to understand the criteria and process to have my APR evaluated and reduced. I make $ XXXX a year, have never missed a payment, and have other credit open. 
My APR rate with Chase is 23.99 % and on my other credit card 8.90 %. The disparity is large and i just wanted to know how it could be reviewed. 

I first attempted to call the Customer Service and understand the process. The first representative I talked to about general information told me there was nothing they could do to help me apply for a reduction. I asked for them to transfer me to a department that could help me and the only department they could come up with was the department that deals with credit inquires and new account openings. When talking to this group they tole me that they did not deal with APR review or reduction but would put me on hold to contact another department. However when they came back on the line they told me that they talked to the department but had not information that could be disclosed to customers through customer service and they department had not customer service representative. They did tell me that APR rates are reviewed once a year and my account was not reviewed this year. After, They told me the best course of action was to open a ticket on the Chase Secure Messaging. 

I opened the same conversation there and received an email in the secure message center the next day. They the email explained the only factor they could confirm had and effect into my eligibility for an APR reduction was the length of my credit with Chase " among other factors ''. 

Additionally, to add insult to injury, the Chase message have been removed from the Secure Message center without notification. There is a warning that say " We 'll delete any messages in red within 10 days. If you 'd like to save a message, please open and print, or save it to your computer. '' but does not inform you of when messages are changed to " Red '' status. 

best, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-28
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: EQUIFAX, INC. (MO)

I have send several letters and filed several complaints regarding a few inquiries that are being reported on my credit report. Equifax has failed to validate this information and have ignored my request to validate this information by not responding to my letter other than for me to contact the creditor in which I did that as well and Equifax has failed to comply. I did not authorize the following credit inquiries that are made by the following companies : XXXX. XXXX XXXX XXXX. XXXX & XXXX XXXX. XXXX & XXXX XXXX. AT & XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2018-12-06
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: LD Holdings Group, LLC (SC)

LoanDepot.com has placed hard inquiries on my credit every few days. I did NOT take out a loan from them, however they keep driving my credit into the ground with their inquiries. I did not request these inquiries. I have called and spoke to several people there and emailed them, and all of these people say they can not help me because I did not take out a loan. They will not stop these inquiries. They are predatory and I am a victim of their practices. 

Dates : LOANDEPOT COM LLC via XXXX Requested On : Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-10-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX has been calling me non stop for the past few weeks. Yesterday, XXXX XXXX they called me 15Times beginning at XXXX ... .the times were as follows XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... to which I told them to STOP harassing me and the gentleman told me I owed the debt therefore was not considered harassment, XXXX, to which I again said STOP and hung up. Mind you this was just yesterday. The day before they called me multiple times as well. Again beginning shortly after XXXX. Tuesday XX/XX/XXXX the called at : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, for a total of 14 Times. I am clearly on their auto dialer. I am dealing with a very sick husband and a son in critical condition at the hospital. I have told them this. I dont have the time, money or energy to deal with the unfair collection practices when I am trying to work full time and deal with family medical problems.