davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

XXXX XXXX is reporting late payments for the months of XXXX, XXXX & XXXX XXXX when in fact the payments were made as agreed. 

Here is a summary of the documentation and reason for dispute. 

In XXXX of XXXX I contacted XXXX XXXX to refinance my home but could not because our home value is still too low and I was advised to contact the Home Preservation Dept about a modification to reduce the interest rate. I began working with the representative of XXXX who approved a trial period of 3 months which would lead to an interest rate reduction. 

I received a payment agreement on XXXX XXXX XXXX with an arrangement of 3 payments of {$2600.00} for the months of XXXX, XXXX & XXXX XXXX. Upon completion a loan modification would be completed. Complete copy of the Mortgage Trial Plan Notice Document included. 

For the months of XXXX, XXXX & XXXX of XXXX payments were phoned in as directed and on time. A copy of the account payment history has been included in the file. Also included in the file is a copy of personal bank statements to substantiate the payments made on time. 

Payments for the trial period were made on time and the modification to rate reduction was approved. Its worth noting that we have never been late on our payment and would not have qualified for the modification had we missed a payment during the process. 

Because the payments for XXXX, XXXX & XXXX XXXX were set by XXXX XXXX that is the amount paid. Therefore there is no justification to consider any payments late. 

When I found out about the late payment reporting in XXXX XXXX I contacted XXXX XXXX customer service. They reviewed my information but informed me they were reporting the payment history correctly. I made several attempts at several levels since XXXX to resolve this issue but have been told the payments made in XXXX, XXXX & XXXX dont count because they were not the amount on my original note even though it was the payment they established for the trial period of the modification. 

The last representative I spoke to insisted to me the dated XXXX XXXX, XXXX stated that they would report my payments late. We went over this document together but she was unable to point out to me where it stated that making the agreed payments to the trial period would result in a 30 day late payment to the credit bureaus. 

Because it was never explicitly disclosed that making the trial period payment as set forth by the mortgage company would in turn cause a late payment, the late payment history should be removed from my personal credit report. 

Please remove the late payments being reported to my credit report for the months of XXXX, XXXX & XXXX XXXX Thank you for your time and consideration in resolving this error XXXX XXXX
Consumer complaint received 2017-11-29
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: Experian Information Solutions Inc. (FL)

I am filing a complaint against XXXX ( PREVIOUSLY KNOWN AS XXXX XXXX ) for an unresolved issue. It is my belief that XXXX ( XXXX XXXX ) is acting deceptively regarding the student loans they service for the U.S. DEPT. OF EDUCATION. I completed my formal education with an XXXX in the Summer of XXXX. Prior to the completion of my education in XXXX all of my loans were in deferment because I was in school. After graduation my loans went through a number of deferments and/or forbearances. In XXXX, I went through a difficult time which subsequently led to a divorce at the end of XXXX. During this time I was in communication with XXXX XXXX at various times and believed that my loans were either in deferment or forbearance based on what my loans qualified for at the time. I was shocked to learn some time later that some of my loans had gone into a past due status. I was even more shocked and confused when the U.S. DEPT. OF EDUCATION told me that I had loans in default but that the would help me with rehabilitation so that I could get my loans out of default and have all the negative credit information removed from my credit file ( s ) ( including the negative information reported by the loan servicer because I was told they report of their behalf ). I agreed to the rehabilitation even though they should have never gone into this status if the deferment and/or forbearance was applied properly ; however I was absolutely horrified that my credit had been impacted and I wanted to move forward with getting the matter resolved. All of my loans have been rehabilitated and the U.S. DEPT. OF EDUCATION has removed all negative credit information with respect to my loans from my credit file ( s ) but XXXX refuses to do the same. In addition, beginning in XXXX XXXX I replied to numerous e-mails sent to me by XXXX requesting forbearance for my loans. I also called XXXX multiple times in XXXX checking on the status of my loans and was assured my loans were in good standing. I called in XXXX XXXX in response to an e-mail I received from XXXX and spoke with a representative that assured me that the forbearance was approved and I would not have to worry about anything reporting as past due on my credit ; yet XXXX is reporting me delinquent for the months of XXXX XXXX and XXXX XXXX.
Consumer complaint received 2017-11-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (CT)

Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt. 

The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transworld Systems XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? 

We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
Consumer complaint received 2017-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On XX/XX/2017 I filed a complaint with the CFPB notifying the credit reporting agency of the identity theft report I filed for an account with XXXX. I provided a copy of the identity theft report filed with the FTC, a copy of proof of identity, and a statement explaining the circumstances surrounding the fraudulent account. I have already attempted to resolve this with XXXX 's attorney with no success. Pursuant of the FCRA identity theft clause the credit bureau had XXXX business days to remove the fraudulent account from my credit report. The credit bureau has failed to comply with the FCRA and as a result is causing financial injury to me. I am unable to participate in my financial conglomerate 's business activities due to this fraudulent account leading to a reduction in income.
Consumer complaint received 2017-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

Based on information and belief this is not my debt. I am a victim of ID Theft and informed this company of that twice. They are still reporting this false information on my files. I never received any notice from them concerning this debt
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

Juniper, a branch of Barclay, refused to unlock my online account because i did not have a copy of my physical credit card. My account became locked because, while logging in to make my timely monthly payment, i forgot my password and when i attempted to reset it i was expected to know my account number which is not printed on my statement. I called and explained that i have destroyed my card so that i do not use it and i asked them not to send me a new card because it could be intercepted in the mail. I have an ex husband that has stolen peoples identities in the past. They told me i can not make online payments any longer and that i can call every month to make my payment because i will not allow them to send me a new card and without a card i can not get my online access password reset. For the remaining time i have a balance with them, i can not check my balance or transactions online. 

Customer service and the customer services member 's supervisor and the escalation manager all stated that it is their policy that i have to have a card. I explained that there are a number of ways to verify my identity in a secure fashion and DEMANDING i have a physical card to reset my online password is ridiculous. I said they could send me a piece of mail to my home address, i said you could text me a new password or email me a new password, however, they insist that i will now always have to make my payments and check my transactions by phone or by paper. 

i said it is standard, in XX/XX/XXXX, for companies to have online systems customers use and they are blocking me from having standard access because i will not allow them to send me a new card, however, they said it is their policy and there is nothing they can do about it. I have been making payments and not using my card for probably 2 years and i believe i have not been late, however, none of this mattered ; they insist i allow them to send me a new card. 

i believe this policy exists to entice people into ensuring that people like myself who are trying to get out of credit card debt have copies of their cards so that they are more likely to use them. I am sure statistically people who have a card in their wallet are more likely to use credit services than if they do not have a card. I also believe this is a way they are attempting to earn late fees from an individual that is trying to get away from their company by making it difficult, and non standard, for people to make payments. 

I locked myself out of my account last week XX/XX/XXXX to around XX/XX/XXXX. i wanted to see if i had already made my XX/XX/XXXX payment or not when my online account became locked.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

Ditech is saying that we owe them {$27000.00}. They had sent us a letter stating that they will start the foreclosure process. They sent back my last months payment check. I went to my lawyer that is helping us. She can not figure out where this money that we owe is coming from. She has tried to contact the company and had not received a reply from them. I sent for a payment history and when we received it. It read that we were up to date of all payments and that we did not owe anything. The funny thing about it. It took them over a month to mail it to us. Our mortgage was changed to Ditech from XXXX. 

Thank You
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Student Aid (USA) Funds (KY)

XXXX requested balance was $ XXXX settlement amount with XXXX balance of {$0.00} documentation to support both. 3 months later XXXX request balance of $ XXXX will not accept XXXX {$0.00} balance letter of settlement. still damaging credit still adding interest. Someone needs to close account or owes me settlement amount back! I also paid takes as a earned income for the balance of $ XXXX
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (VA)

XX/XX/XXXXReceived notice from XXXX XXXX XXXX XXXX Illinois , Ltd. for debt owed to XXXX XXXX XXXX, ( XXXX XXXX XXXX ) XXXX, VA in the amount of {$180.00}. Called them at XXXX and advised them that debt had been paid on XX/XX/XXXX by personal check. Per their instructions faxed copy of notice along with copy of cancelled check to XXXX. Received more collection calls. Called them back a few days after faxing proof of payment and was told that they did receive of copy of the check but were waiting for investigation by their client ( XXXX XXXX XXXX ). Received another call from them tonight, XX/XX/XXXX, over 4 weeks after they acknowledged receiving proof of payment.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TN)

XXXX XXXX I called and asked XXXX XXXX to please transfer and disconnect service from XXXX apartment XXXX building to the a new apartment XXXX as of XXXX XXXX XXXX. XXXX transferred as requested but did not terminate the service for apartment XXXX. XXXX assigned me with a new account number without letting me know that when you transfer apartments you will be given a new account number. I was receiving XXXX bills for XXXX for the old apartment and the new apartment. I continued to pay the old bill online and not the new bill. I received a disconnect notice end of XXXX. I spoke with XXXX in XXXX XXXX XXXX and was told that it was there fault that they did not properly disconnect the old service. I made an overpayment over {$230.00} to the old bill and that they will discontinue service at the old apartment and credit the new account. They stated they were very sorry for the miscommunication. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, XXXX on XXXX XXXX, XXXX stating I owed on the old account {$90.00}. I immediately contacted XXXX on XXXX XXXX, XXXX and spoke with XXXX. He said yes that they did not clear the bill and it was there mistake and he would get that handled. XXXX gave me his number at XXXX and stated to call tomorrow to confirm it had been taken care of. I called XXXX XXXX XXXX on XXXX XXXX, XXXX at XXXX immediately and spoke with XXXX and she stated she will note the account. On XXXX/XXXX/XXXX at XXXX another debt collector - XXXX stating that I owed {$90.00} to XXXX and that how would I like to handle the debt. I never received a bill from the new debt collector and only received a call. I said I have spoken to people many times to get this cleared up. The debt collector got nasty with me and stated this is the first time I got this account and I said well it is illegal to collect on a debt that is false and I have handled this. XXXX continued to raise her voice and yell at me. I said do not contact me again and I will contact CFPB for illegally collecting on a debt.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

This is the complaint I had lodged on XXXX/XXXX/XXXX : I spent {$25000.00} using my American Express XXXX XXXX card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my XXXX XXXX account and reported to XXXX the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my XXXX XXXX account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. XXXX asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. 
American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side. 
The company responded on XXXX/XXXX/XXXX stating the miles has been credited to my XXXX account in XXXX, XXXX, and XXXX respectively. However, the miles do n't reflect in my XXXX account. Nor does it reflect the dollars spent on the American Express XXXX XXXX XXXX on XXXX side. As I have stated earlier, there is a system problem in transmitting the information to XXXX. The earnings show on my XXXX statement. But, it does n't reflect in my XXXX account. I have talked to XXXX and it has n't received these transactions from XXXX. The problem is XXXX ca n't handle issues and it is feeding misinformation to the consumers. I have attached skymiles statement from XXXX XXXX to XXXX XXXX, XXXX for record.
Consumer complaint received 2017-11-30
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Bureau of Bessemer, Inc (AL)

XXXX XXXX XXXX XXXX in attempt to collect a debt disclosed personal information about my health which is protected under XXXX. After the said violation, they provided information to a third party Credit Bureau of Bessemer. When I wrote them, they sent me a copy of the medical information which is protected under HIPPA. I notified them of said violation at which point they retained XXXX XXXX a law firm located in XXXX, Alabama. I contacted XXXX XXXX 's attorney of Record who is handling this issue XXXX XXXX XXXX via fax, email, and phone to no avail as she sent a letter stating that my HIPPA rights were not violated via their client 's collection practices. I informed her that the information sent to me to validate my debt was indeed a violation of my HIPPA rights. Once in receipt of said information, I got no further response nor even an acknowledgment of receipt. I was then sent a follow-up collection letter by their client XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (PA)

I have a checking account at TD Bank. I opened the account about a year ago and deposited {$100.00}, which is the minimum requirement so you are not charged any fees. When I received my first statement I noticed a paper statement fee for {$1.00}. Which brought my balance below {$100.00}. I immediately contacted TD Bank and stated the paper statement fee was never verbally disclosed to me at account opening. The banker was very understanding and reversed the paper statement fee and the pending monthly maintenance fee of {$15.00}. I enrolled in online statements as well. These adjustments brought my balance back to the {$100.00} minimum requirement. I received a letter in the mail dated XXXX XXXX, XXXX which stated my account is overdrawn by {$19.00}. At first I thought someone compromised my account and withdrew the monies, but when I called TD Bank on XXXX XXXX, XXXX I was informed the funds were depleted due to the $ XXXX monthly maintenance fee that was being charged for low balance. This is the explanation I received when I contacted TD Bank. The paper statement fee was charged in early XXXX, but the reversal did not occur until a couple weeks later, so my balance was not at {$100.00} for the full month. Thus, I was charged the {$15.00} maintenance fee every month since that time. 
When I took care of this in XXXX the Banker told me that I was made whole again with the reversals and enrolling in online statements and I would not be charged anymore fees as long as the balance remained at {$100.00}. Well I guess someone forgot to disclose another important fact. TD Bank has now failed to disclose important facts on two different occasions.
Consumer complaint received 2017-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc. (IN)

This is a reopen for case # XXXX. 

My initial complaint said : YOUR COMPLAINT XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXX XXXX XXXX XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and XXXX XXXX @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. 

XXXX XXXX XXXX failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to XXXX XXXX XXXX XXXX XXXX concerning the XXXX  XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.