davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NM)

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  and for  XXXX   XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my chase payment for the month it was declined because of the erroneous purchases. I paid chase immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, and also as 60 days late for  XXXX   XXXX  I contac ted chase and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Chase is acting UNREASONABLY, as i have ha d the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control. As a result of the late payment my account was also closed.
Consumer complaint received 2017-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

XX/XX/XXXX I send a letter to Naviet requesting all original documents signed by myself of my orginal loan with XXXX XXXX. A lady emailed me some papers with no original signed documents XX/XX/XXXX. The docments are not signed by me and the look fake and made up. In XX/XX/XXXX I lost my job and became XXXX. I called XXXX XXXX informed them they said I 'm ok for 12 months abd not to worry. They sold my loan with informing me. I ended up with somehow Naviet being my loan company and they charged me double the amout of my loan. My loan was for {$3700.00}. So far I 've paid {$3500.00}. I explain this to Naviet in my letter. They say I owe {$7200.00}, yet I 've paid {$3500.00}. If you look up my loan online it say I owe {$8400.00}. My loan is actually increasing. And I 've been making payments since XX/XX/XXXX. Their not providing any real documents, I never signed anything with them or anyone but XXXX XXXX. My balance should be {$190.00} with a couple of late fees. I 've sent multiple emails back requesting all documents from them and XXXX XXXX and the do n't respond. I 've called and even left messages with the lady assigned to me. I 've attempted to find my old loan the got from XXXX XXXX XXXX passed on by XXXX XXXX and they changed names and do n't have no documents.
Consumer complaint received 2017-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC. (DE)

XX/XX/XXXX - My husband and I bought a deeded time share at XXXX XXXX XXXX in XXXX XXXX XXXX. We paid in full for timeshare -- {$12000.00}. We paid taxes and maintenance fee annually as billed. XX/XX/XXXX - My husband and I divorced. He got XXXX XXXX XXXX in settlement. He ( alone ) paid  taxes and maintenance fee annually. XX/XX/XXXX - My ex-husband XXXX and our daughter, as executrix, contacted XXXX several times trying to get deed changed to her name. Several calls and faxes with no response from XXXX. We were informed by XXXX that we had to work through XXXX to get this done. XX/XX/XXXX - My daughter continued to contact XXXX about transfering deed. No statements or any information regarding taxes or fees were received. XX/XX/XXXX -- A $ 20,000+ collection action appears on my XXXX credit report from Pinnacle Recovery. Upon inquiry, I find that because the deed to the timeshare was never changed, my former name still appears on the deed and I am liable for back taxes and fees. They tell me that even though my divorce releases me of liability, their civil claim supersedes that. I have never received any annual statements or bills from the current owner of XXXX, XXXX XXXX. Pinnacle offers to terminate the action for {$310.00}, however, they can not guarantee that my credit report will be repaired. They tell me I have to follow up with their client, XXXX XXXX and wait for their release letter. The rep advised me to be persistent in asking for the letter because XXXX is not timely with this action. He said it could take months to get the release. He said I should continue to call, asking for supervisors, etc. While I believe the whole transaction is a scam, I am willing to pay the {$3100.00} to get this matter resolved, but I am concerned that once I pay, they have no motivation to give me a release letter or remove the derogatory from my credit report. I also believe that since Pinnacle is the company that put the negative information on my credit report, they should remove it as soon as I pay the money they request. I would appreciate your advice on how I can assure that my credit report will reflect the resolution of this matter as Pinnacle has promised. I have attached all relevant documents for your review. Thank you very much XXXX ( XXXX ) XXXX
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank is suing me through XXXX XXXX XXXX XXXX. They just recently sent a letter saying that my account was not with them anymore and was charged off to a new company XXXX. I find this to be an irrational measure to sue someone when you sent the debt to another company and have failed to work with the customer on securing an affordable amount per month payment plan.
Consumer complaint received 2021-11-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am an authorized user of capitalone quick silver MasterCard ending in XXXX paid off infull with zero balance. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

In Addition, XXXX XXXX XXXX overdraft is also paid infull with zero balance for account ending in XXXX. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

As a result, my recredit report is incorrect and inaccurate.
Consumer complaint received 2017-06-03
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. (NY)

I have  XXXX  due for monthly payments under my current IBR calculation, it changed from the old amount to  XXXX  when I completed my yearly IBR renewal. They 've been auto deducting the old amount I used to have due under last years calculation even though it says I have  XXXX  due. I just canceled auto pay but it says it will still deduct the old amount because it is already " scheduled '' even though its  XXXX   XXXX  and it isnt scheduled until the  XXXX  of  XXXX . I do n't owe them anything this month but they 're saying they 're going to take it anyway.     If my payments had increased I know they would have increased the amount deducted ever month, but they just continue deducting the old amount even though I owe less?? They constantly do stuff like this. They 're parasites.
Consumer complaint received 2017-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (SC)

My girlfriend was   XXXX   and on  XXXX . She was found to have the   XXXX   XXXX   XXXX   and her doctor ordered me to go give a   XXXX   XXXX  . The hospital now has it in collections and it should have gone under her insurance. I have made several attempts to speak with the head of billing at  XXXX   XXXX  as well as going into the hospital on several occasions and have been turned away and told " just pay it ''
Consumer complaint received 2017-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MA)

Collection company is reporting an incorrect " date opened '' of the initial debt, which is in violation of the FCRA 623 ( a ) ( 5 ) ( A ). The first collection attempt from the ambulance company was XXXX XXXX. It was then transferred to an initial collection agency in XXXX, and has been reported incorrectly ever since. I have notified the associated collection agencies numerous times via direct complaint from my credit reports.
Not to mention the fact that I submitted a dispute and the collection agency took over 30 days to respond.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

XXXX  will not unfreeze my account. Trying to buy a house but  XXXX  says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.     Experian will not unfreeze my account.trying to buy a house but experian refuses to remove the alert or freeze on my credit report in which I did n't agree to.
Consumer complaint received 2017-07-10
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. (MD)

In XX/XX/XXXX, I paid XXXX XXXX XXXX XXXX ( XXXX )  approximately {$70.00} for a charged off checking account I discovered. In XX/XX/XXXX, I discovered that XXXX had falsely reporting the account as " LATE '' every month although it was paid in XX/XX/XXXX. I called XXXX in XX/XX/XXXX to ask them to fix the error. I was directed to file a dispute with the credit bureaus. So I filed a dispute with all three credit bureaus in XX/XX/XXXX. In XX/XX/XXXX once the dispute was completed the false reporting was still present. I called XXXX again today. I was told the reporting is accurate by XXXX a XXXX collections employee, which led me to seek further assistance from CFPB. There are almost 50 false reports of a late payment on my credit report for a {$70.00} charge off that I paid in full years ago. This is hurting my credit immensely. XXXX should be held responsible for not resolving my credit dispute within 30 days, if not for the years of false reports.
Consumer complaint received 2017-06-03
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)

On  XXXX / XXXX / XXXX , I submitted a request to Equifax requesting the method of verification for  XXXX   XXXX  Account  XXXX . Equifax has reported now  XXXX  times that this account has been verified. As it is in my rights to request for them to provide me with the method in which they verified this account. In addition, this account had been reported on my credit profile in multiple manners and has changed multiple times. I am thoroughly confused as to how an account that shows opened in  XXXX  with a company in bankruptcy. My request to Equifax again was to provide me with the method of verification not for them to re-investigate as their documentation shows
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, XXXX & experian. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.
Consumer complaint received 2017-07-08
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC. (IN)

Obtained a loan of XXXX $ on two gold rings from XXXX in XXXX Indiana. This is my first pawn ever so I am not familiar with process. I had to pay off by XX/XX/XXXX a total of XXXX . I went to pay off on XX/XX/XXXX but was not aware that I had to pay finance charge of XXXX . I was short and made arraignments to pick up the next morning after I paid the XXXX $ for the interest that had occurred. The next morning they said I owed XXXX $ more dollars plus the XXXX . I paid on time and even the next day XX/XX/XXXX I was still on time but the would not except my XXXX $ and give me my rings. They said it was the way payment was loged in system and payment could not be voided because it happened the prior day. This is wrong, very very wrong. Now I have to pay a total of XXXX $ on a XXXX $ three month loan in which XXXX $ is interest for another 6 months that I did n't ask for or need plus financial charge. Wrong wrong wrong. The literally just robbed me in broad daylight and since the have my rings I am powerless to do anything but pay it. When I asked if the XXXX $ is all I will owe in 6 months they replied " ca n't promise you that no ''.
Consumer complaint received 2019-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

This company sent a letter claiming that they verified a debt, they are claiming I owe. They failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. ( see attached copies of what they sent ). 

The entry of this debt they claim I owe on my credit report is very confusing, Account type shows Unknown - credit extension, review, or collection along with payment status, XXXX  showing a collection/chargeoff and XXXX  showing late 120 days? And the last reported dates? Nothing makes sense of this entry. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. 

I have attached both what they sent to me and the entry of this on my credit report.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

OCWEN Loan Servicing is currently holding onto {$17000.00} in my escrow balance. This amount far exceeds the required escrow balance of {$7600.00}. <P/>I have called OCWEN numerous times to try to get the difference - which is {$9900.00} - between the required and actual escrow balance, returned to me. So far, OCWEN has refused to return these funds. <P/>It is impossible to get a straightforward, honest answer out of OCWEN. When I call OCWEN I either get someone at their call center in XXXX, who I can not understand, and when I ask to be transferred to the States, I get a millennial child in OCWEN 's so called " customer service '' department, who gives out wrong, incorrect information. <P/>In addition to seeking the {$9900.00} to be returned to me, OCWEN is also holding onto suspense funds of {$6000.00}. Again, it is impossible to get a straightforward, honest answer out of OCWEN as to what this suspense account is for, or how it got to be {$6000.00}. <P/>The last millennial child I spoke with at OCWEN gave me 4 different categories for how the suspense funds are kept, but could n't explain what the 4 different categories are, what they are for, and/or how they got broken down into these 4 categories, etc. <P/>The bottom line is that this {$6000.00} is my money, and together with the amount of the overpaid escrow balance, these funds, which total approximately {$16000.00}, should be immediately returned to me. Again, OCWEN has refused to do that, and that is why I am filing this complaint. <P/>For full disclosure, I am in the 59th month of a 60 month Chapter XXXX bankruptcy reorganization. The excess funds that I have paid OCWEN belong to me, and no one else, and certainly not to OCWEN. My OCWEN mortgage account is current and up to date.
Consumer complaint received 2017-07-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SUNTRUST BANKS, INC. (CA)

After I graduated from college I could n't afford my loan payments. My original subsidized loan balance was {$32000.00} unpaid interest {$120.00} @ 7 % interest rate current balance as of today is {$73000.00} according to XXXX. My original unsubsidized loan balance was {$30000.00} unpaid interest {$4200.00} @ 7 % interest rate, current loan balance as of today is {$63000.00}. Total loan balance as today = {$140000.00}. How? Why? I 've called several times to tell my lender there is a severe issue with my loan balance. I 've disputed it with all of the credit bureaus. I tried consolidating my loans to lower my payment and get a lower interest rate. I 've called my lender asking why is my balance of my loans so high? I have used forbearance and deferments for years. Finally I tried to file bankruptcy to get an affordable student loan payment. That did n't work. The only good thing that came from that was my Lender contacted me and acted like they were willing to help me get out of default. They lowered my payment for a year, I never missed a payment. They claimed they found a new lender for my loans XXXX XXXX . My payment was {$41.00} initially. XXXX XXXX, 2017 my loan payments went from {$41.00} to {$550.00} on the IBR Plan. I called and tried to see if there were any other options for a lower payment because I have XXXX daughters in college and I ca n't afford the payment. The customer service representative just kept saying there are n't any other options for me with my income and family size because your income has increased. The representatives are so rude and disrespectful, not helpful at all. Terrible attitudes and so unprofessional.
Consumer complaint received 2017-07-08
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. (NV)

I traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to XXXX as well as Experian. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX three different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for XXXX and Experian. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
Consumer complaint received 2017-07-10
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. (AZ)

On  XXXX / XXXX /   17  I sent Equifa x Credit Information services,    XXXX    XXXX  and   XXXX    a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On  XXXX / XXXX / 17  I received a response that  XXXX   XXXX  had provided verification this information was correct. Prior to me sending a letter to Equifax,  XXXX  and  XXXX , I froze my account with  XXXX   XXXX  and have a letter verifying this was done, so there would not have been a way for Equifax,   XXXX   or  XXXX  to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my Equifax,  XXXX  and  XXXX  credit file permanently.
Consumer complaint received 2021-11-25
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.