davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

I opened a new credit card in XX/XX/XXXXand the criteria of the card is spend {$1500.00} in the 1st 3  months and we will give you {$350.00} within 6-8 weeks. I met the criteria XX/XX/XXXXand today marks the 8 week mark. When i reached out today through a phone call i was transferred 3 times then put on hold to be hung up on. i called at XXXX XXXX and they sent me an email at XXXX to tell me i met the criteria on XX/XX/XXXX 's billing statement. The email i received from them with instructions for the bonus says nothing about meeting the criteria at the end of a billing statement. They are telling me i have to wait another 6-8 weeks and this information was not relayed to me in the beginning or i would n't be making such a big deal of it. The customer service i 've experienced since i reached out to them XX/XX/XXXX has been horrible. I 've banked with them for years and i think i have found the reason why i should n't have opened my credit card with them. I will be closing this card once i am out of the clear with payments.
Consumer complaint received 2017-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (CA)

professional credit service accounts XXXX and XXXX are wrongfully appearing on my XXXX XXXX XXXX  credit XXXX ... .was insured by XXXX at time of XXXX ... was covered under my mother XXXX XXXX at XXXX XXXX service.XXXX XXXX. is the original creditor. 
both debts are wrongful and harming my credit rating.XXXX has removed both accounts
Consumer complaint received 2017-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

Hi, I am wondering, why is it that Navient does not provide an account of the interest charges that have hit my account? I can see the current interest total on a loan, and transactions of interest that I have PAID, but there is no transaction records of the Interest that has actually been charged to my account ( either weekly, monthly, or daily ). 

For example, I could have paid {$5.00} in interest one payment and I would see that, but maybe {$6.00} was actually built up in interest that week, and there 's no record of that. If I see what I think is an error, how am I to rectify that if I have no record of what the transactions of interest are? I I have reached out to Navient multiple times asking this, and I was told that I can use an Interest " Estimater '' calculator. How is it okay for a loan provider to have you " estimate '' the interest that they are charging you? I can see in my account a discrepancy on the amount of interest that I was charged one week, but ca n't rectify it without seeing interest charges. I asked for an individual interest accounting for each of my loans - as I have seen conflicting information in the web portal. What I was provided with was an accounting that had different loans combined, so it did n't help. Follow up requests did not This seems like it could open the door up to many errors. A Credit Card company or a mortgage loan provider would never tell me to use an " estimator '' to calculate my interest charges, they are explicitly laid out on the statement. 

Could you please help me understand this? Is this a practice across the entire student loan industry? I would like to have an individual account of all of the interest charges charged to my individual loans. 

Thank you!
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NJ)

Ive been battling Identity theft for almost 4 years now and counting, XXXX and various other accounts were opened in my name. On numerous occasions i 've tried for years now to remove XXXX this fraudulent account MY CREDIT REPORT, however to no avail. They 've refused to send any Documentation regarding these fraudulent accounts, in accordance to Fair Credit Reporting Act Section 609 theyre mandated by federal law to furnish upon request, they refuse in which violates the FCRA and my consumer rights. ( VIOLATION NUMBER # 1 Also to add more insult to injury these nordstrom customer service reps even told me they have no information on this account and the information is off, Nevertheless what truly baffles me is how this creditor can continuously rely back to the credit bureaus indicating " Verification '' of this debt being mine when they refuse to send me any correspondence after countless letters and phone calls. VIOLATION NUMBER # 2 Under section 611 ( 5 ) of the FCRA clearly indicates creditors are required to promptly delete all information that can not be verified immediately.!!!!!!!!!! VIOLATION NUMBER # 3 I  ALSO RECENTLY SENT LETTERS WITH FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT ON XXXX XXXX 2017 AND CALLED AND CALLED THEY CLAIM THEY HAVENT RECEIVED ANYTHING.
Consumer complaint received 2017-10-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I have contacted XXXX multiple times to see how I can repay back my loans because the payment was too high for me to afford with a low paying job. I offered to pay the interest for a few months until I can figure out how to repay them. I also paid {$500.00}, {$600.00} a month every month for quite some time. They refused to work with me. They refused to take into account the few hundred dollars I was sending them every month. And then I went into deferment, got a lawyer and now currently in the process of declaring bankruptcy, to buy me time to figure out how to pay these loans back. Today I received papers stating I am being sued by XXXX. I really dont know where to go from here.
Consumer complaint received 2017-10-19
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. (AZ)

Have tried to work with XXXX XXXX and Transunion over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX  car loan, and XXXX XXXX accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX Transunion and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM ARS ACCOUNT RESOLUTION THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. 

THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.
Consumer complaint received 2017-10-19
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: Bread Financial Holdings, Inc. (TN)

I co-signed for an account with my late fiance 's daughter, XXXX XXXX XXXX, with XXXX in XXXX Florida. The account was opened with XXXX XXXX in duplicate, one for me alone and another for my Fiance 's daughter. When I called the Company Account Supervisor noted the error and told me they would make the correction within 60 days, however this error has shown up as a late payment on my credit report. 
The error account number is XXXX, and was opened on XX/XX/2017. XXXX nor XXXX XXXX has reported me owing money on account that was formulated in error and now reporting non payment on this fictitious account, which was opened up in error. Please help to correct this. My credit is bad enough without someone reporting this error on it. 
Thank You. 
XXXX XXXX XXXX
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The CU stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.
Consumer complaint received 2017-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC. (FL)

1. Around XXXX XXXX & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with Suntrust Bank attached will be the XXXX recorded satisfactions/release while the judgement on this mortgage was left opened. 
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to Suntrust Bank & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which Suntrust Bank told us was OK to release to them their attorney.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

I have tried tried to unlock and unfreeze my credit file since XX/XX/XXXX. I have talked to 28 customer service representatives and my file is still locked and I can not make my purchase. I have almost 14 hours on the phone and I still do not have my file unlocked to make my purchase. This is insane.

The XXXX XXXX people do not know what they are doing and apparently Equifax doesnt either I would be in this mess.
Consumer complaint received 2017-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (TN)

I opened a loan Personal Finance, which is owned by Mariner Finance onXX/XX/XXXX, No bank or credit Union would cash the check so I went back the next day on XX/XX/XXXX returned their check and contract, they voided loan and gave me hand receipt. I received a bill from them yesterday stating that my payment was coming due on XX/XX/XXXX7. I also checked my credit and see that they have me having an open loan with XXXX amd XXXX, which means my loan was never voided.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (GA)

Company is attempting to collect a debt for a medical bill that was taken care of via insurance. This company is reporting to my credit as SYNDICATED OFFICE SYSTEMS and as CENTRAL FINANCIAL CONTROL on my credit report for the same debt. 

I have attempted to validate the debt and their office keeps sending me partial documents and completely avoiding my request. The documents that were signed with the hospital, but nothing with any reference to their company. The documents that they are sending to " validate the debt '' is missing pages. 

I am to believe that I am supposed to receive all pertinent information regarding the account and they are REFUSING to provide what I am asking for.
Consumer complaint received 2017-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MI)

It has been brought to my attention on XX/XX/XXXX after I had reviewed my own credit report which I do about twice a year. There had been a collection acct in the amount of {$110.00} acct : through LJ ROSS ( original creditor : XXXX XXXX XXXX XXXX ). I was never properly notified of this neither by phone or mail.
Consumer complaint received 2017-10-16
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BOK FINANCIAL CORP (TX)

On XX/XX/XXXX a gentleman from XXXX XXXX XXXX called me and told me he is calling to collect a debt. He stated I owe {$920.00} for my mortgage payment that was due XX/XX/XXXX, which has a 15 day grace period. I told him I have already made the payment and he told me I did not make it. This is a brand new loan with the 1st payment being dueXX/XX/XXXX. OnXX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX I made a partial payment of {$470.00} for my {$920.00} due on XX/XX/XXXX The agent told me the way I make my payments ( I make a half payment each time I get paid on the 15th and 1st for the following months payment due ) is unacceptable and I can not make my payments like that and XXXX XXXX XXXX will not accept them. He told me he was coming after me for my mortgage payments. He was aggressive and told me I need to make my XXXX mortgage payment now as he is a debt collector and that I did not make my payments like I need to. I explained how I make them 1/2 at a time and he said it was not acceptable by XXXX XXXX XXXX and I need to pay now. I asked on 8 different occasions to speak with a manager and he finally transferred me. He was rude, uncouth, and aggressive trying to collect a debt that was not owed.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX/XXXX/XXXX I disputed with XXXX XXXX XXXX XXXX  on the validity of debt. It was completed on XXXX/XXXX/XXXX and thus deleted. I advised XXXX and Equifax that item was deleted but they hav n't deleted it off their reports yet to date. Please help
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

From XX/XX/XXXX to XX/XX/XXXX account my wife and I ( XXXX XXXX & XXXX XXXX XXXX ) made payments to our home equity line of credit with XXXX XXXX XXXX ( A/C # XXXX ). Our payments were made according to the terms of the loan and in excess of the amount due each month. In XX/XX/XXXX and XX/XX/XXXX,  payments were made, and subsequently returned to us because, according to XXXX XXXX XXXX, we were not paying less than scheduled amount. This payments were no different from the ways we have made payments of HELOC in terms of paying more than scheduled amount by XXXX XXXX XXXXXXXX. Therefore, the only two months where payment failed to post to this account were due to payments returned by XXXX XXXX XXXX. 

In addition, the payments which were designated as late on the attached credit report are not designated as late payments within the XXXX XXXX XXXX system. Please see transaction dates between XX/XX/XXXX and XX/XX/XXXX vs XX/XX/XXXX and XX/XX/XXXX. As you can see from the XXXX XXXX XXXX print out, also attached, there are illogical and indiscriminate late payments/fees associated with the account XXXX. There should be no such notations since payments were made every month as required for this HELOC, from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2017-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX and TransUnion are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Good afternoon, My name is XXXX XXXX my home equity loan is finance with XXXX XXXX XXXX loan number XXXX ). As a verification of mortgage indicates as well as a payment history illustrates, we forward our mortgage payments to XXXX XXXX from the XXXX to the XXXX of each month. XXXX XXXX has recently reveal the following : Example, if XXXX XXXX payment was received on XXXX XXXX, XXXX and XXXX XXXX payment is received on XXXX XXXX XXXX, according to XXXX XXXX the payment is considered thirty days late and XXXX XXXX reports to the credit bureaus the mortgage payment is thirty days late. We have attempted to resolve this matter with XXXX XXXX, However after speaking with several customers services agents and team leaders the situation continues to exist.
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

This phone number has called several other times on different dates, XXXX. Today, XXXX/XXXX/XXXX, received the call again at XXXX am. Called ID reads " 84 Lumber XXXX '' I answer the call, person on other end asks if they could speak to a particular household member, I stated that was me. Person on calling end stated they were a debt collection service and gave the whole spiel about collecting a debt. I did not understand the name of the company that the calling female stated she was from. She tried pronouncing the name of the company again but in a way that was faced paced and still not understandable. I then asked female why does my caller ID read that she was calling from 84 Lumber XXXX She stated that " this number was given to us after they were no longer using it. '' At that point I disconnected the call. I am submitting my complaint today because if a legitimate collection agency is calling to collect a debt then, regardless of when they acquired a phone number, anyone 's called ID should read what company the call is coming from. When this call came in from this number before on other days, I did not answer the call because I knew that I did n't have any dealings with 84 Lumber and the caller did not ever leave a message.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (FL)

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX M SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX To Whom It XXXX Concern, In response to CFPB complaint ID number : XXXX Your company have violated the provisions of section XXXX, XXXX ( a ) ( XXXX ), or XXXX ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a XXXX report is being used to obtain blockage, not contest the accuracy of its XXXX Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; XXXX XXXX Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section XXXX ( a ) ( XXXX ) ( A ), you must not allowed the furnisher XXXX not continue to report that information to any CRA. FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX XXXX XXXX a ) ( XXXX ) ( A ). Second, under FCRA section XXXX XXXX f ), it XXXX not sell or transfer that debt to anyone else who would try to collect it. FCRA XXXX XXXX f ), XXXX U.S.C. XXXX ( f ) .As required by section XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a copy of which is enclosed, I am requesting that the item XXXX XXXX ) be removed XXXX or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( XXXX ) ] and [ delete or correct ] the disputed item ( XXXX ) as soon as possible FOLLOWIN ITEMS : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$620.00} Thank you. 

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX