davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
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: Exeter Finance, LLC. (GA)

XXXX is reporting a charged off account whose first delinquency was XX/XX/XXXX.  They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and XXXX continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting Exeter regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.
Consumer complaint received 2017-12-12
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. (GA)

Experian is reporting a charged off account whose first delinquency was XX/XX/XXXX. They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and Experian continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting XXXX regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (SC)

I have made several deposit to my account with TD Bank. I have received several {$35.00} fees for the transaction on the same day that a deposit was made. I have been charged {$170.00} this week along with Fees but I am making deposits into my account on the same day. The transactions are in a pending state when I make the deposit and my account is not showing a negative balance at that time. I am really upset by a recent {$35.00} fee where my account was {$.00} ( XXXX XXXX ) overdrawn by a transaction and the bank charged me {$35.00}. This is so unfair to me because the money deposit shows credited the same day as the transactions. I really need my {$170.00}. I just had medical XXXX and do not have money to give to the bank at XXXX. I want a refund for all of the fees because a deposit was made the same day. I do not understand their processing although I was explained and it was not like this when I open up my account. There should be a federal regulation that permits the bank to not processing credits like this. I should get credit based on my deposit that day and then debits should come out. Other banks use this process. TD Bank has an unfair policy. 

Also, bank paid my mortgage payment which the money was not in there to cover it. This caused the overdraft fees. I thought that I was signed up for them not to pay for transactions if the money was not in my account. I do not want to overdrawn my account to pay something if the money is not there. 

Finally, a lot of the bill pay is going out too soon and getting paid before I want them to. I get paid on the XXXX, XXXX and XXXX. I set bill pay up so money is in account. Bill are coming out too fast and frequent.
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts. Received a letter from Amex indicating that XXXX XXXX is responsible.
Consumer complaint received 2017-12-13
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. (CA)

I sent a letter to Experian on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX, certified mail ( XXXX XXXX XXXX XXXX XXXX ) which was delivered and signed for on XXXX/XXXX/XXXX. These letters requested Experian to investigate the validity of information on my credit report that was being reported by XXXX XXXX for XXXX XXXX as I was challenging the accuracy, compliance and reportability of the item. I asked that they validate the information with XXXX XXXX and provide me with copies of any documentation associated with the account, bearing my signature. I had previously sent 3 certified letters to XXXX XXXX  requesting same and to date, they have been unable to provide that information to me. I formally requested Experian, twice, to delete the information on my credit report as they too have been unable to obtain validation of this account. As per FCRA Section 611 ( a ) ( 1 ) ( A ), Experian has 30 days to complete this investigation and provide me with method of verification which they have not. I did receive a letter from Experian on XXXX/XXXX/XXXX in acknowledgment of my letter dated XXXX/XXXX/XXXX stating that they would investigate my inquiry and after processing if it was found the disputed information is inaccurate, incomplete or can not be verified, they will delete that information or modify the information as appropriate based on the dispute. To date, my belief and understanding is that nothing further has been followed up on by Experian and they remain in willful non-compliance as I have not received any further correspondence relating to this dispute nor has the item been removed from my credit report.
Consumer complaint received 2017-12-13
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: AMERICAN EXPRESS COMPANY (AP)

I have the AMEX Platinum Card and have been assigned a Preset limit of {$5000.00}. They obtained inaccurate information of my FICO score from XXXX with out notifying me on XXXX XXXX, 2017. They claimed it to be a XXXX ... My score today is a XXXX. It has not been that low in a couple years when I had no credit. They also said I had a couple delinquencies which is also not true. I also only had 1 credit inquiry at that time when they said I had " too many on my report in the last 12 months. '' I want them to make sure they are checking the right score and that they take off the pre-set limit. I have never missed a payment with them. I love the card, I 'm just disappointed about them not having incorrect information.
Consumer complaint received 2017-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I applied for a loan recently and got copies of my credit reports afterward. I found out that Capio Partners is  reporting a medical debt to the credit bureaus twice, under two different account numbers. 

The first tradeline I see on my report is reported under Capio Partners as account number XXXX in the amount {$2600.00}. The identical debt is reported a second time under XXXX XXXX XXXX/Capio account number XXXX, amount {$2600.00}. As a result, my credit report shows {$5300.00} owed instead of the original {$2600.00}. Both are on my report simultaneously. 

I can not in any way see how it is legal to report the same debt twice under different account numbers. This is clearly impacting my score negatively and unfairly and a quick conversation I had with a consumer rights attorney leads me to believe it is not legal. 

On top of this, I should not have any kind of debt of this nature due to XXXX Hospital at all and certainly never received any bill or invoice from the original creditor indicating this.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XXXX of XXXX XXXX XXXX XXXX XXXX agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S & S Recovery, Inc. (MS)

This debt is relating to a balance owed to XXXX XXXX College in the ammount of XXXX. I contacted XXXX XXXX College on XXXX/XXXX/XXXX in reference to this account and they let me know that it had been placed With S & S RECOVERY , INC . I CONTACTED THEM THE VERY SAME day regarding the account they stated that they did not have any information regarding the account and I had not recieved any letters or communication from them regarding the balance. So here I am trying to get my official college transcript to enroll in school but im getting the run around about my account. Then I recieved a letter from S & S stating that I was previously notified that my account was placed for collections, which i had not been notified.
Consumer complaint received 2017-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

On XXXX XXXX, XXXX I took my daughter XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. She received care in the emergency department. I received a bill from the hospital concerning physician services, but never the emergency services. The balance for the physician was paid in full as of XXXX XXXX based on the balance that was mailed out. I received an " overpaid '' check in the mail stating that I had over paid on the account. As of XXXX XXXX, XXXX I received a report on my credit in the amount of {$650.00}. I called the collection agency number only to be told my daughter 's insurance was never filed back in XXXX. I was then told that the physicians and emergency departments are billed separately and that the hospital would be the one to send over the insurance information to the emergency department that never was sent. I asked why was n't I informed of this and was told that the letter that was mailed out was returned back to sender. I asked them how was that my fault and was told that once the letter was returned back to them that they had to report it.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

On the XX/XX/XXXX, I paid nearly the full balance for my XXXX XXXX card. The payment cleared my bank account ( XXXX XXXX XXXX XXXX ) on the same day. Saturday ( XX/XX/XXXX ) the card was declined. When I checked the Chase mobile app, it showed the payment reflected in the balance ( now {$5.00} ), but the available credit amount was listed as {$0.00}. 

I called the bank the next day ( XX/XX/XXXX ) and spent nearly 2 hours on the phone with them, getting repeatedly disconnected and booted back to the main menu. When I finally reached someone who could provide information, I was told that, because the payment amount was higher than my normal payment and I had previously had a payment returned, they had applied a 5 business day hold. I was told that the hold could only be removed if the payment was verified with my bank, and agreed to let the agent call my bank and request verification. Once we had a representative from XXXX XXXX on the line, he told us that the bank 's policy is not to verify transactions with third parties over the phone. 

I later called XXXX XXXX to figure out what to do, and they informed me that the payment had processed and that there was no way that Chase had not received the funds. Furthermore, he told me that it would be impossible at this point for the payment to be returned. I called Chase back with this information, and was told that there was nothing _they_ could do, as their policy is to retain the hold for 5 business days or until the payment is verified with the bank. 

I understand that this may be their policy, and that the law may provide me no protection, but it seems clear to me that this is an abusive policy. Chase has received my money, and they have refused to let me use their service for an arbitrary amount of time, awaiting a verification which can never come. If I did not have other funds available to me, taking what seems like the sensible course of actions ( paying off my full balance when I have the ability to ) would leave me utterly destitute. Meanwhile, Chase has a week to lend out and profit off of my payment.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The following dates I have contacted Transunion/XXXX to remove a public record which has been reported erroneously.

1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4.XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IA)

I received a letter stating my application was declined due to " Credit History of Personal Guarantor ''.  The only phone numbers on the letter were for XXXX and XXXX. I called several phone numbers and finally got to someone on XX/XX/17 who could see my application. I talked to XXXX. XXXX just kept telling me I had to call the credit bureau. I asked him what the denial meant and he did not know. I asked for his supervisor and got XXXX. XXXX would not tell me any more. I asked if I could have a more detailed info mailed out. She said no one knows why. I asked I can call the credit bureau and look to see whats on my credit report but that does not help me tell why you rejected me, so could you send me a copy of your underwriting guidelines to help me figure it out. I was denied. She all but hung up on me. 

Trying to get a credit card for XXXX should not be this hard. I already have a credit card with Synchrony bank, so there should be no reason why I can not get this one.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, XXXX, an account with XXXX was opened in my name. In order to open the account, an inquiry was placed on my Equifax credit report. 

Shortly after I noticed the fraud, I contacted XXXX about the identity theft and they responded by marking the account as fraudulent on their end. 

Six months later, the fraudulent inquiry was still on my Equifax credit report. I filed a dispute by mail with Equifax who promptly gave me a response saying they inquired with XXXX about the inquiry and determined it was factual. 

On XXXX XXXX, XXXX, I contacted Equifax to find out what my next steps would be and they told me I needed to request that XXXX send a request to Equifax to have the information removed. I called XXXX to make that request and was told that they had already taken all the necessary steps and that they would not be able to assist me any further. 

At this point, I feel like I am at a dead end and have nowhere to turn. I 'd like to get this last item corrected on my report after months of issues with all 3 credit reporting agencies and multiple creditors.
Consumer complaint received 2017-12-13
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. (SC)

In XXXX of 2017, I noticed a collection on my credit reports from XXXX XXXX XXXX that was incorrect. After disputing the information with the collection agency, the agency agreed to remove the negative trade line from my credit report. In XXXX, XXXX and XXXX  sent me documentation showing that they removed the account from my credit report while Equifax continues to show the negative item. I 've sent them documentation that I 've received from the CFPB as well as the collection agency showing that they have agreed to remove the account, but Equifax continues to report the negative information. I 've contacted the collection agency and they have advised me that they have sent the information to remove the account on multiple occasions due to Equifax saying they have n't received a request to remove it. I 've spoken with Equifax multiple times to resolve this issue, but they keep advising that the debt is valid when I as well as the collection agency has submitted the documentation showing the account was to be removed.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

Credits post before Debits always. PNC Bank makes my deposits available the next day. PNC charges fees when my balance is not overdrawn or Uncollected. Also PNC has a system of paying the highest check so more items are returned and generate more fee income for the bank
Consumer complaint received 2017-12-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NC)

In XXXX of XXXX, my wife ( XXXX XXXX ) and I had an auto loan go into default with GM Financial. After the vehicle was auctioned, I still had an unresolved balance owed to GM Financial for the remainder on the finance contract. 

I contacted GM Financial this fall, and learned the matter was being handled by a law firm named XXXX XXXX XXXX. I was able to negotiate a settlement with the attorney for the remaining balance, and I funded this settlement on XXXX XXXX, XXXX. I am attaching a copy of the written settlement arrangement from the attorney, as well as our receipt showing the arrangement was paid as we have agreed. 

Move forward to today, and GM Financial is still reporting to XXXX, XXXX, and XXXX XXXX that we still owe them almost {$7000.00}. We have disputed the account at least three times with the credit bureaus, but GM Financial continues to tell the credit bureaus that we have an outstanding balance. As mentioned before, I am attaching the documentation proving that this matter has been legally resolved for some time now.
Consumer complaint received 2017-12-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AL)

I filed a complaint with you back in XXXX, XXXX, against Loancare LLC. The complaint number was XXXX. You had taken care of it and closed the file. Well guess what it 's not taken care of. Loancare is trying to charge me again for the money I already paid them. Also, they put the amount on my credit report with Equifax in the amount of {$100000.00} dollars, on XXXX. It 's no doubt listed with the other credit bureaus as well. My mortgage is currently under at {$100000.00}, according to my last statement from them. I am currently receiving assistance from XXXX XXXX XXXX, maybe that 's why they 're trying to rip me off again. Also they are raising my monthly payment from {$890.00}, to {$920.00}. I called them on XXXX, the girl I talked to fed me some BS, and tried to justify the increase. She wants me to send her a copy of my credit report.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (VA)

Since XXXX I have been behind on my mortgage payments due to a reduction in pay with my current employer. I attempted to modify my loan earlier this year, but Fay Servicing denied me a modification and suggested that I proceed with a short sale. I hired a Realtor in XX/XX/XXXX as well as a short sale negotiator and that same day I received an offer on my property and began to work the short sale process. Throughout the process Fay Servicing was very uncooperative and consistently misplaced paperwork that my realtor and negotiator had to continue to submit. In late XXXX I received a letter that Fay intended to foreclose on my property. They never issued a denial of the short sale and they stopped taking calls or responding to repeated attempts by my realtor and short sale negotiator to obtain more information for me. On XX/XX/XXXX the locks were changed on my property while I was out of my home. I was never served with any eviction notice and I still have belongings in the property. On XX/XX/XXXX my realtor received a call from a man by the name of XXXX XXXX, who stated he was the REO manager who had changed the locks and that Fay servicing had never notified him that anyone was still living at the property. He was willing to make arrangements for me to get back inside the home to retrieve my belongings, but I still was never properly evicted and I feel that this is a violation of housing laws on the part of Fay Servicing.
Consumer complaint received 2017-12-13
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: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/XXXX I uploaded a letter to the Experian website which was marked as accepted in the portal. I requested an update of my personal information to be recorded, namely my address. I requested all other addresses listed on my report be removed as I no longer lived at them or had ever lived at them and are not deliverable to me by the USPS and are not reportable as per the FCRA. For proof of address, I included my current drivers licence and a current utility bill listing my current residence. I received a copy of my credit report from Experian dated XXXX/XXXX/XXXX in response to my request. The credit report sent to me listed 16 addresses on my credit report, including 8 addresses where I have never lived.