davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLOBAL CLIENT SOLUTIONS, LLC (GA)

Me and my husband started getting help from Global client solutions back in XX/XX/2017. They told us that they would contact our creditors and no one should be calling and contacting me. Well the calls never stopped from any of my credit card companies. I contacted XXXX XXXX XXXX XXXX which is who I go through and also contacted global client solutions. They said that they had contacted them not to worry. We were told that how the program works that we would automatically draft a monthly payment and once we built up enough money in the account to pay off a debt they would contact our creditors and negotiate the price. We have been paying since XXXX and nothing has been paid and none of my creditors have been contacted. Now I tried to get out of the program but Global client solutions says I only have a balance of a little over 200.00 in my account which should be over 2000.00 which is enough to pay off a couple of our debts. Now they are saying that there were fees that we had to pay and that they are non refundable since they already did the work. They have not done any work. they have been taking our money and not paying off anything like we agreed to. Everytime I call I get placed on hold and no one ever answers. how do I get my money back? Now I have to start paying on my cards again and im so far behind because we now have the late fees and the interest since they haven't been paid in 8 months which outs us further behind. Not saying how bad it hurt our credit and we will never be able to catch back up especially if I cant get my full amount back.
Consumer complaint received 2018-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX, three unauthorized credits of {$390.00} were made to my paypal account totaling $ {$1100.00}. The same day, thirteen {$49.00} and fourteen {$40.00} payments were debited from my Paypal account totaling {$1100.00}. Next, on the same day (XX/XX/XXXX ), three more unauthorized debits of {$390.00} were made on my account leaving me with a balance of {$1100.00}. I did not authorize any of these transactions and further, the bank associated with the transactions is called XXXX XXXX ( XXXX XXXX XXXX ). I've never had an account at this bank. I believe my account has been compromised, and when I call the phone number posted on their website, there are 1.5 to 2 hour hold times. I've also alerted Paypal through their website to my problem and nothing is happening. No contact, no callback or email - nothing. Just a continued balance on my account for {$1100.00}. I'd like to cancel my account, however this is not permitted, because they indicate on my account page their may be suspicious transactions ...?? They indicate I can clear up the suspicion by providing bank statements etc, but I do not want to provide that because I no longer trust they can protect my information. Hoping reporting this to the CFPB will assist.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation (GA)

I received a phone call to my job stating that I was being sued for a debt from 2007 from XXXX XXXX  XXXX. I was told I needed to make a payment to avoid being sued. Debt collector would not provide a copy of the debt. I was called by XXXX. I was sent information to my email from a company called XXXX. I have been receiving repeated phone calls about the debt to the point where I had to tell the agent not to call my job again.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation (GA)

World finance in XXXX ga. Is reporting a chapter XXXX bankruptcy on top of a charge off that states closed. I have disputed 3 times in the last 5 months. They go in take the comments off then the following month add them back on. They have my credit looking like I've just filed bankrupt in the past month and it will be 7 years in XX/XX/2019 that I've filed. They are causing my score to drop by 26 points at a time by adding one comment about the bankrupt. I understand I filed bankrupt on them 7 years ago but they are doing more damage to my credit report today than actually filing the bankrupt. It has been an ongoing battle for 5 months with them adding and removing comments. I call XXXX and do a dispute they remove the comments then the following month they are back on there, How can I build my credit when every other month this same company is knocking it down by at least 26 points. I have called XXXX and done disputes, filed several disputes on line and I can not seem to get it corrected.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

RE : Consumer Financial Protection Bureau To Whom It May Concern : I am writing to complain about Non-Compliance for the following Credit Bureaus ( Equifax, XXXX and XXXX ). I have requested my Full Consumer Disclosure File ... They have all failed to comply with FCRA, Section 609 ( a ) ( 1 ) by not providing the date of first delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. I've enclosed all 3 letters sent to the Bureaus requesting my Disclusure File. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX is the Original Creditor and Original Account # XXXX that I am concerned about ... I believe that a junk debt buyer of this account has violated FTC and FCRA Laws by re-aging debt. Please see attachment of XXXX XXXX. I sent all 3 Bureaus the processing fee of {$12.00} dollars, so far only XXXX cashed theirs, but Equifax and XXXX  has not done so, nor returned to me. I am including a copy of a canceled check cashed by XXXX for the processing fee for my Consumer Disclosure fileEquifax and XXXX has not cash the checks sent for the processing fees so far. I am requesting that the CFPB engages all 3 Bureaus for Violating Consumer Credit Laws and especially FCRA, Section 609 ( a ) ( 1 ). This information is very important to me in defending myself and correcting my CR against a junk debt buyer that is hurting my report by Violating Consumer protection laws. Kindest Regards
Consumer complaint received 2018-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IL)

We have submitted 2 loss mitagation hardship packets to Freedom Mortgage. Both packets were rejected, due to missing documents. We have submitted the documents that were advised were missing in the initial submission, both times, and also resubmitted the documents a second time and was still rejected due to these documents not be received/processed or even lost by the mortgage company. The first loss mitigation packet was submitted in XX/XX/XXXX, and the reported missing documents were sent within a week of receiving the letter on XX/XX/2018. And with the 2nd packet submitted, we received a letter on XX/XX/2018 that also said there were missing documents. We submitted these again by the XX/XX/XXXX. I also spoke to a XXXX on XX/XX/18 and she said the documents were received and submitted for processing. I believe that the mortgage company is not accepting my wifes paycheck stubs on both occasions. We have made several attempts and phone calls to Freedom Mortgage and they have continued to reject our loss mitigation application.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX # You are reporting a 30 day late for XX/XX/XXXX.

This is inaccurate. I was never late. This should be in good standing. My pay status is reporting : Current ; Paid or Paying as Agreed which is accurate. My other credit reports is reporting this account accurate as in good standing never late. Please update and remove the 30 day late.

XXXX/XXXX  # This account is reporting to be removed on XX/XX/XXXX, this is inaccurate. I have provided a copy of my other credit reports reporting the correct removal date of XX/XX/XXXX. Please delete this account it clearly is inaccurate. The credit reports are not reporting the same information and you said it was verified. How was did you verified?

XXXX/XXXX  # This account is reporting to be on XX/XX/XXXX, this is inaccurate. I have provided a copy of my other credit reports reporting the correct removal date of XX/XX/XXXX Please delete this account it clearly is inaccurate. The credit reports are not reporting the same information and you said it was verified. How was did you verified?
Consumer complaint received 2018-09-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

they claimed i defaulted on my XXXX XXXX loan last year. The defaulted loan was transferred over to the guarantor, the New York State Higher Education Services Corporation. They agreed to put me in a  payment program, at the conclusion of which, the loan would be taken out of default status, and they would give the loan over to another private financial institution for me to begin paying again. The acknowledgement of debt agreement i signed in XX/XX/2018, has a total current principal and interest with collection cost of {$63000.00}. My total balance as of XX/XX/2018, is {$79000.00}. XXXX. I will try and include documents to this effect. I have made all of my payments as prescribed under the agreement by the due dates specified. For an agency or institution to charge collection fees or interest in excess of {$15000.00} is ridiculous, if not criminal. My collections representative at NYSHESC and her manager say this ( marking up the amount of the loan so dramatically ) is something they have to do anytime they take over a defaulted loan but this sounds very suspect to say the least. I should not be subject to an outrageous financial practice such as this. Please help me stop this by having NYSHESC bill me based off the correct and original loan amount of XXXX, instead of the random, way-overblown amount that they used, which currently results in a balance of {$79000.00}, after just 7 months of being on the payment program. I am sure if a situation like this were to become public, it would look very bad for the people at NYSHESC. Please help.
Consumer complaint received 2018-09-09
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. (FL)

XX/XX/2018 To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX-XXXX I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, XXXX, FL XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 
" The allegations from this item require immediate dismissal due to fact of inability to contest the derogatory claim ( s ) injurious to me DIRECTLY, as is my consumer RIGHT to do so. As such, I demand the full extinguishing of every aspect of reported delinquency and or derogatory since the factual nature of them can NOT be verified valid nor certified compliantly reported, as MANDATED BY STATE AND FEDERAL LAWS of reporting, true or not! 
Upon attempts to forward my direct consumer complaint challenging the accusers to demonstrate the requisite document verification ( s ) of the claim 's validity in reality and calls for evidence substantiating the perfect and certified compliance of reporting, I received notice back that the data furnisher address, AS REPORTED, was not deliverable to hence INACCURATE. This deficiency of reporting denies me my consumer RIGHT to question and contest directly my accusers, which means its reporting is unlawful and without compliance in full accordance of mandatory regulatory reporting laws and standards, including the required true, correct, complete, and perfect METRO 2 FORMAT REPORTING! DELETE this misreported data TODAY, even right here and now! "
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have reach out to Experian about an address that appears on my credit file that should have been DELETED because i nevered lived there. 

THE only Two address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX THE ONLY ADDRESS IN ERROR AND SHOULD BE DELETED SHOULD BE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc. (CA)

The co XXXX XXXX XXXX is claiming that I purchased a vaccum cleaner for XXXX! in XX/XX/XXXX. At an address I did not live at. Prior to XX/XX/XXXX they were reporting I owed XXXX $ now after I disputed and proved them wrong they are reporting it as XXXX Paid by dealer. This is not my account, I proved it is not even my address and who in their right mind would pay XXXX for a vaccum cleaner. It is absurd that credit bureaus allow any information to be placed on a persons file with incorrect address and SS #. This co reported my number no where close to what it is. Please help, this co calls my daughter at work cell phones sends mail to their houses therefor reporting to bureaus that I have all these different addresses and I don't. They change the dollar amounts the dates the entity etc. This has to be illegal XXXX XXXX XXXX XXXX address XXXX XXXX XXXX Ohio XXXX
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

To begin with, this complaint is two-fold. Back in XXXX, I was late on a payment according to XXXX XXXX XXXX. In XXXX, I sent a payment from my XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX and in XXXX. I constantly checked the account to see if it was debited. The amount was never debited from the account ending in XXXX. I did not find out from XXXX XXXX that the payment did not go through until a month after. XXXX XXXX informed me that the account was reported as closed. I contacted my bank. I was informed that the account was still open. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number ending in XXXX was closed in XX/XX/XXXX due to a compromise. I have attached the XXXX Letter and XXXX XXXX File. The file has the transactions for the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to show that the account was still open I have also made arrangements to resolve the issue by using another account, XXXXXXXX XXXX. The account was XXXX, by XXXXXXXX XXXX. I have sent in those payments for XXXX and XXXX. Again, there was no notice from XXXX XXXX/XXXX that the payments were being rejected. I contacted them again to see what was the problem. I was told that the account was closed. I have contacted XXXX. XXXX has provided me with a letter, letting me know that the account with the routing number XXXX and account number XXXX is in good standing. 
XXXX XXXX had provided incorrect information to the credit report. They have reported me late to the credit bureaus for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. XXXX XXXX aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION (OH)

I received a call from a " Blocked Number '' and the caller indicated that she was with " XXXX County '' and that a Mediator had been assigned to a case that was filed against me. She gave me a phone number ( XXXX ) to contact the mediator and a case number to reference ( XXXX ). When I called I was told it was in reference to a debt with XXXX XXXX XXXX. The person I was speaking with said she was a mediator working with an attorney and they were going to file a lawsuit and lock my bank account, garnish my paycheck, and contact my employer. She talked and talked and talked and talked and was clearly trying to come across as " helpful ''. She then started asking me personal questions like " Did something bad happen in your life that caused you to default on this loan that is very obviously yours? '' I refused to answer any questions and asked her repeatedly what it was she wanted. I pointed out that we'd been on the phone for over 8 minutes and she had yet to tell me what she wanted. She eventually wished me luck after pointing out that I must not care about my debt. 

I knew enough that I refused to acknowledge the debt or any knowledge of said debt, and I refused to answer any of her questions.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XX/XX/2018 I recieved a direct deposit of {$5.00} that brought my account to {$10.00}. On that same day I made a purchase of {$6.00} aXXXX XXXX. The bank charged me a overdraft fee because they say I didn't have enough funds, but I did. When I asked why they charged that overdraft fee they didn't have a reason for it. It took them two days for them to get back to me with a reason why.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHS, Inc. (VA)

On my XXXX credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been disputing with XXXX XXXX all of 2017 with Experian and even when I provide proof that company did n't have the correct information regarding their ownership of the debt or provide anything, Experian still marks it as verified.I also reported company to the CFPB and XXXX XXXX still fails to remove the negative information they have off my credit report.When I called Experian over the phone within the last few days they admitted that they do n't verify the account themselves they use a third-party.But never sent me any proof that they actually did the foot work
Consumer complaint received 2018-01-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have already filed a complaint ( complaint # XXXX XXXX Bank of America responded to that complaint and awarded me {$2700.00}. In their answer to the complaint, they said that when the fraud investigation on my savings account was completed ( Claim # XXXX ) a cashiers check would be written and the account closed. But as of X/XX/2018 Bank of America told me that since my savings account is closed, Bank of America online claims department can not provide the funds in my account to the fact that the Bank of America RISK Department closed my account already, therefore, making me ineligible for the XXXX fraud liability and having my money placed back into my account. I have documentation to prove that the fraudulent transfers were, in fact, fraudulent due to the fact that the Bank of America Debit Card/ATM awarded me those funds that were stolen from me, therefore, proving by Bank of America 's own investigation that the transfers that were made were fraudulent. Bank of America is still holding me 100 percent liable for service charges. transfers fees, overdraft for all three of the claims.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I sent a letter to XXXX XXXX XXXX XXXX XXXX in XXXX 2017 regarding a {$9.00} charge that is showing on my Credit report that should not be showing up. I received a call from their office 3 days later telling me they would be removing the derogatory information from my Credit report as requested. Account XXXX.
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COOPER HEALTH SYSTEM (NJ)

In response to XXXX 's representation letter I mailed them a letter to their XXXX XXXX ( the only address on the letter and also their automated phone message confirmed this mailing address ) requesting Verification of Debt and all account documentation. 

In addition to the Verification of Debt request, my letter addressed XXXX 's FDCPA overshadowing violation. XXXX sent out a second letter approx. 2 weeks after their representation letter was mailed demanding immediate payment overshadowing my right to dispute the debt. 

XXXX does not pick their mail up as a method to not respond to inquiries such as mine. When I called XXXX during their normal business hours to obtain another mailing address, every extension went to a voicemail. It was impossible to speak with a live person.