davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (OH)

After applying for a mortgage loan, I was notified that I had a medical collection being report by XXXX XXXX XXXX for XXXX. I reached out to the company, and they are stating this is a medical payment they received due to nonpayment, however, I have verified with my insurance provider that they made payment on this directly to the medical provider. I then requested the collection company provide me an affidavit of debt to verify they had legal rights to collect and I was the actually debtor. The associate at Gold key stated they did n't need that and hung up on me.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I have a unique situation that I find completely bizarre. I have contacted Citi on numerous occasions to stop transferring {$560.00} from my Checking account to my Citi Advantage Credit card.I have called, I have used online chat, I have even written and NO ONE from this company will help me. It seems like such a simple thing to turn off but everyone keeps telling me they are manual transfers. I have n't lost my mind. I am not transferring {$560.00} myself every XXXX of the month. I have screenshots to show the manual transfer page that has no history of the {$560.00} transfers. I have screenshots of my bill pay page that shows no bills to my credit card. I have screenshots to show I have no auto-transfer and no auto-pay set up between my checking account and my credit card. Every time I contact them, they do not take me seriously. 

I have yet to receive a response to my written complaint that I sent via first class mail. I would n't be surprised if they denied ever receiving it. It 's a shame because I have been a Citi customer for nearly 10 years now.
Consumer complaint received 2017-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (SC)

Asked me my personal information birth date ... But before told me the wrong birth date asked me to confirm. I explained i was not comfortable giving my personal information over the phone and told them that was not the correct information they continued to ask me how i knew and i refused to give any more of my information over the phone they needed to send me a written letter. Amcol i  believe was the name who also threatened me with a letter to place a judgemwnt on me for XXXX which i did pay.
Consumer complaint received 2017-12-17
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Collection Systems, Inc. (IN)

XXXX XXXX XXXX college falsely charged me for a semester after an issue with my parents taxes, I have a deragatory mark on my credit of XXXX for the National Credit Management open XXXX 2015. They repeatedly called and harassed me for months telling me why did I go to school if I cant pay for it, and that I think Im invincible since I didnt pay it and Im think Im above the law and a criminal, and cursing at me exclaiming they didnt give a XXXX about why I dont have the money. After letting them know I do not want to be called and would be going to the college they repeatedly called and harassed me for weeks after that.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (GA)

I currently have an installment loan with Republic Finance. On XXXX XXXX a payment was submitted to them in the amount of {$150.00} and on XXXX XXXX the payment was applied to my account. On XXXX XXXX, XXXX I received a credit notification from XXXX and XXXX which stated that my payment was 30 days past due. I reviewed the payment receipt that was mailed to me from Republic Finance which stated that my payment was received. When I contacted them they informed that the payment system updates on the last day of the month which was XXXX XXXX, XXXX. They informed me that the payment did come in on XXXX XXXX but was not applied to the account until the next day. I then asked them why I was reported as 30 days past due when at the time the payment was submitted I was only 22 days past due. Again they told me that the system updates accounts electronically and that they have no control over it when it updates accounts and submits reports to the credit bureau. I informed them that this has happened in the past and I had to file similar complaints in regards to this type of credit reporting. They reviewed my account and then stated that they were not allowed to talk to me about it. They informed me to file a credit dispute, but made sure to tell me that the credit report wont be changed. I currently have a balance of {$400.00} which I want to pay but I feel that if I submit this payment I am worried that t will not be credited to my account correctly which may cause my account to remain delinquent. Republic Finance has a history of not report account information correctly.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (MN)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation and the injured parties THEY are responsible for by signing them up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

The Equifax security breach made public XXXX XXXX, 2017 is my concern. Contacting them on-line to find out if my information was 'hacked ' requires my social security number. Why would I share that!??? Put my number out for the world when I am unable to find out if my info has already been shared. Sounds like another open window for hackers.
I have been unable to contact Equifax thru phone. My battery died after 'hold ' for 23 minutes.
Consumer complaint received 2017-09-10
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. (TX)

The company allowed my most personal and valuable information to be compromised, putting my financial security at risk. The company 's response has been grossly underwhelming and inadequate. I have already received notice from my bank that my credit card information was compromised and have had to order new cards. This is only the first incident that I 'm aware and more could come. They need to be held accountable and do so much more than just offering CREDIT MONITORING. This response is despicable.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX and XX/XX/XXXX I filled out the online form for TransUnion to place a freeze on my credit report as a result of the recent data breach. I filled in all of the information they requested correctly, including several follow up multiple choice questions, however, I received a message that they were " unable to process my request '' without any further information. While they were unable to do what I asked ( for reasons that are unclear to me ) they did immediately send me a marketing email for a costly credit report monitoring service.
Consumer complaint received 2017-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had a XXXX XXXX in XXXX, NC called XXXX XXXX, XXXX XX/XX/XXXX. I set up a Merchant Card services account through Bank of America in my name and social security number so we could run people 's credit cards. I left the company on XX/XX/XXXX. I was XXXX XXXX with a friend and another friend took over my XXXX % XXXX. I have a letter stating that. However, they DID NOT remove my social security number from the merchant services account through BOA. I did NOT know that. NOW the IRS has audited me for XX/XX/XXXX and they are saying I ran over {$9000.00} thru that and made that as income. I have n't worked there for 7 years! I called BOA immediately and they were short and rude and said they can not disclose the account bc I did n't have the merchant ID #. I said, you have an account under my social security number, so, you have to speak with me about the account, period. They finally did, after many phone calls but they will NOT give me a corrected XXXX showing I made XXXX dollars from that company in XX/XX/XXXX. They keep saying they 'll call me back and sending me to different departments. I have an IRS DEADLINE and they will not help me. I need help STAT. Thank you so much.
Consumer complaint received 2017-08-09
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 (VA)

Was offered a American Express ( Delta SkyMiles ) promotion that promised a bonus of XXXX miles when {$1000.00} was purchased on the card within the first 3 months. The conditions were met but the bonus has not yet been received and I being told it could take 2 or more billing cycles to remedy.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (PA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

This is a complaint about both payment allocation and loan servicing customer service. After absentmindedly missing a payment I paid the full balance the following month, and, on a subsequent login to Navient 's website, the limited information available to me on Navient 's website showed that Navient had allocated the payment nearly equally between principal and interest ( allocation in prior month 's was about 70/30 principal/interest ). The information available to me on Navient 's website did not reflect allocation of payment to any fees. 
I submitted a request through Navient 's website for information regarding Navient 's calculation of the allocation. It took several days to get a response to this inquiry, and Navient 's answer was mere boilerplate - Navient 's answer referred me to the Promissory Note, without indicating specific sections or language, and without providing any analysis applying the terms of the Note to the allocation of payment to interest for my specific loan. Navient 's answer did not state that they had charged any fees. Meanwhile, Navient continues to charge interest. 
Although I submitted a new message through Navient 's online messaging platform, Navient 's messaging platform does not allow borrowers to " respond '' to communications from Navient, which unnecessarily interrupts the continuity of communications and tends to make it more difficult for borrowers to get answers from Navient and to restore their loans to fully paid-up status ( i.e. to make payments without fear of misallocation ). 
The lack of information about my loan on Navient 's website, Navient 's failure to provide information on request, Navient 's failure to respond timely to communications through their website, the fact that Navient does not provide a messaging platform that allows for cumulative correspondence in " threads, '' and the fact that Navient continues to charge interest during attempts to communicate about the loan all tend to suggest that Navient abusively inflates interest charges by delaying resolution of borrower questions to facilitate future payments.
Consumer complaint received 2017-08-09
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: ECMC GROUP, INC. (CA)

Hello, I have a paid collection with ECMC for {$250.00} back in XX/XX/XXXX. I thought my mortgage company paid off my XXXX XXXX, so I thought back in XX/XX/XXXX. then in XX/XX/XXXX XXXX XXXX contacted me and said I owed {$110.00} along with 2 years in payment coupons. I called many times speaking to reps in another country, they just kept saying I owed the money but could n't tell my why. after about 8 months of fighting with XXXX XXXX, XXXX XXXX then " charged off '' {$250.00} and sent me to ECMC collections. I was finally done dealing with these idiots and paid off the {$250.00} in XX/XX/XXXX. I have been writing to ECMC to please update my credit report to " paid '', instead they are listing my credit report as " failed to pay ''. I just pulled my report on XX/XX/XXXX and they now reported me as 120 days late in XX/XX/XXXX. I feel all this is in retaliation, I even have a letter stating " paid in full '' is n't this illegal? BTW, my credit score is in the XXXX 's however this false report to XXXX has cost me the best possible refinance interest rate, showing that I have a serious delinquency.
Consumer complaint received 2017-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Back in 2004, I was offered a " Line of Credit '', loan that I did n't request from Washington Mutual Bank. The notary person who came to my home " STATED ', this was n't an " Interest Only Loan. We were told it was a fully amortized loan for a {$100000.00}. I presently own them {$64000.00}. Later on, we call the bank to see if they could correct this problem time and time again. To this date, we have paid into this loan about {$38000.00} in payment to see the principal balance stay the same at {$66000.00}. I contact an attorney this year to see what can do about this problem and was nothing, just refinance that mortgage but I 'm losing all those payments for years on time.Chase Bank refused to do anything to correct this mistake, I been to the branch, on the phone with customer service and get the runaround. Please help.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received a call from Customer Service they are closing my account because I am well known in the     XXXX   XXXX  . I invest in   XXXX   and buy and sell it. The bank does n't want any customers who have anything to do with  XXXX . I 've had this account since it belonged t o   XXXX   XXXX   XXXX  .   They always treated me well and with no problems. As soon as Huntington  Bought   XXXX   XXXX  ,  they moved to close my accounts. I did nothing out of the ordinary besides deposit and withdraw money and it was n't any large amounts or very often. It is a shame that we in the   XXXX   XXXX   can not have any bank accounts because they close them any time they find out we are  XXXX  people. They also sent me a letter that says they are closing my account but conveniently omitted the reason because they are afraid to put it in writing.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Loan with SLS have had numerous complaints with them messing up our escrow account.. after last complaint they billed me for XXXXcents that I was " short '' in my escrow even though they hold two months cushion. I ask to have the escrow account removed from the loan so there would be nothing further to worry about .. they sent me a letter stating they were denying my request and that I had to keep the escrow for the life of the loan .. This loan is at XXXX LTV and a conventional loan .. I should have the right to cancel the escrow and I feel at this point they are just being completely retaliatory with me. these people are unbelievable and should not be able to treat people this way.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I have written and spoken with XXXX, XXXX, and XXXX several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, XXXX removed the bankrupcy but put it back on and XXXX and Experian did n't budge has refused to budge and continues to report this on my file.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

About a month ago I noticed my credit score went from XXXX to XXXX and I thought my student loans were in forbearance. So I decided to call Navient in XX/XX/XXXX to get it settled because I 'm going to be getting married next year and I do not want to start my marriage with bad credit. They told me that I was n't eligible for a forbearance and that I was past due of 90 days which is the reason my credit score dropped. They told me unfortunately they can not fix my credit from dropping but if I started  paying it should increase after a few months. I could n't argue I guess that 's how it works but then they said they contacted me and gave me a number which happened to be my fathers number and pretty much took my contact information for the first time which is unprofessional and really a game changer in what we call LIFE. If I knew about not being in forbearance I would of paid a fixed amount to prevent my credit score from being ruined ... .So after we spoke I mentioned that I wanted to start making payments XX/XX/XXXX to get things rolling. A few days before my payment, I called to reschedule my payment for XX/XX/XXXX because I realized I would not have my payment in full until XX/XX/XXXX. I went online to set up an automatic payment to split my two loans in a fix amount. {$150.00} for a small loan and {$600.00} for my bigger loan. The crooks put my {$750.00} in the small loan and mentioned I have an outstanding payment of {$600.00} and it will be added to next month, which would bring my payment to {$1500.00} instead of {$750.00}. It 's ridiculous I have to check my account twice a week to see these small changes done that continues to accrue more interest towards my loans and makes it impossible to afford them. My credit is ruined! I just want my loans to be properly set as they were and what I agreed on to fix my credit score, that 's all. Navient manipulates you to believe everything is ok and screws you over if you 're not paying attention. They gave me a sorry excuse, I should n't have to pay for their unprofessional way of manipulation and false accusation of contacting me. Something needs to be done!
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I have tried multiple times to freeze my Equifax credit. Since XXXX XXXX, I have tried to freeze my credit online at least 3 times a day with no success. I have also called the call center and have reached agents that have no idea what they are talking about including providing incorrect information such as 1 ) equifax will call me directly to verify 2 ) incorrect fee information 3 ) unable to provide information on how to actually freeze my credit 4 ) could not explain the credit monitoring product or any of its terms 5 ) call center agents admitted they did n't work for equifax director and receive no relevant training on credit related issues
Consumer complaint received 2017-09-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (TN)

all of the above- trying to force me to pay interest when accounts were under legal advisement of uprigth law for chXXXX. two accounts- one sent to lvnv one sent to XXXX ( a known credit XXXX ) refuses to manage accounts once resold. harassed my cell for over 120K, then continued to do it after sending em a letter saying theyd stop. forces people ( as do many others ) to allow roto-dialers and spam which is extortion and illegal. banks are doing this now ( XXXX, XXXX etc. ) I ever consented to this ABUSE. 
resold the debt after atty hired. refuses to manage to rebuy it back. LVNV non responsive but sent me this note from a so called law firm w letterhead that now also is not responding. ( claims of not a lawyer-they y use letterhead-this is a threat ) will not settle accounts and wants my lawyer info in order to do so ( continuous extortion ) refuses to purge info from credit files ( 5 ) and continues to defame me