davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MO)

Recently got credit report notice a collection on my account. For the amount of {$890.00} from ACcount Resolution a service - I spoke with a rep they stated that it 's for XXXX XXXX - my son a bill from XXXX 2012. I advised the rep that my son has state insurance.
Consumer complaint received 2017-08-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Coastal Financial Solutions, LLC (CA)

Received a call from XXXX. XXXX XXXX claimed he was coastal financial legal department. Stated he had me on camera in a store and that charges are being brought against me for defrauding said company. He 's called me, my mom, dad, grandma, brother, sister in law and cousins. Seriously?!?! Is this legal??
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank does not post payments in real time. It takes several days or even several billing cycles for a payment to reflect on my account. Neither the app or the website update my account in a timely manner. This makes it difficult to allocate payments to different promotional balances, which requires a phone call each and every time a payment is made.
Consumer complaint received 2017-08-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I have a Reverse Mortgage with : Champion Mortgage out of XXXX Texas even thou I live in XXXX Colorado. Their address is XXXX XXXX XXXX XXXX and they are at XXXX TX XXXX. Their customer service # is XXXX My account # is : XXXX. They have missed the distribution of payment today ( XXXX XXXX 2017 ) of {$1200.00} and after I called they said they had a computer glitch and that I would not receive distribution till XX/XX/XXXX. They also said I would get an additional interest payment because it was late. I have had this happen before with the other mortgage company and it was a 10 % fine and not an interest payment. Which is it?? My address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and my home phone is XXXX. My email is XXXXXXXXXXXX. Thanks In Advance for your help XXXX XXXX XXXX
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NV)

I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified. The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP. FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the Navient website that clearly shows the first late on this account occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COMMERCE BANK (MI)

Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. Commerce Bank- Hard Inquiry XXXX XXXX- Hard Inquiry XXXX- Hard Inquiry XXXX  XXXX- Hard Inquiry
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WV)

XX/XX/2023 {$710.00} I have disputed this transaction awhile back, I did not get any confirmation for this dispute case. I have no information besides the screenshot attached saying that there is an existing case but I find no information about the status of it. I have proof that a credit is due from this merchant but Barclay hasn't responded to me at all.
Consumer complaint received 2017-08-06
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. (WI)

Both now XXXX XXXX XXXX { which has been reported to the Washington Attorney General } and XXXX have maliciously destroyed me Both and all including yourself have made a XXXX mess which I am willing to contact the News and have all exposed. This is what you all have managed to do Wipe out my good credit that I worked hard at, THANKS XXXX drop me from XXXX score down to nearly XXXX, and XXXX has managed to XXXX me out no thanks to YOU! I have had it with the covering up, the lies and the deception from all of you And I am now going to use the money I have saved for a Car, to hire a ATTORNEY and sue ALL OF YOU FOR TORT, PUNITIVE DAMAGES and FRAUD. You have XXXX me off this time XXXX XXXX, 2017, I CALLED XXXX XXXX AGAIN, THE ACCOUNT IS {$0.00} AND THE ACCOUNT HAS BEEN CLOSED OUT AS PAID IN FULL, THEY HAVE SUBMITTED TO ALL THREE CREDIT FRAUDERS THE INFO, SO WHOEVER IS XXXX AROUND, YOU APPARENTLY HAVE NO IDEA WHAT YOU ARE DOING BUT TO KEEP THIS GOING FOR 5 MONTHS TELLS ME ITS TIME TO FILE A XXXX LAWSUIT, THAT MEANS I HAVE TO TAKE A LEAVE OF ABSENCE, LOOSE MORE MONEY BECAUSE YOU IDIOTS CANT FIGURE OUT WHO IS WHO. YOUR ALL SO XXXX PATHETIC, YOU COULD N'T FIND A BROTHEL IF IT WAS RIGHT AROUND THE CORNER. THAT 'S JUST PRETTY SAD. GUESS I MAY HAVE TO ALSO CONTACT THE WHITE HOUSE AND LET THEM KNOW THAT THEY GOT MORE INCOMPETENT PEOPLE CLAIMING TO BE WALKING ENCYCLOPEDIAS WITH EMPTY PAGES. NO WONDER THIS NATION IS SO XXXX XXXX, LOOK WHO 'S LEFT TO HANDLE THINGS!
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

I got a letter from XXXX XXXX, XXXX for a debt owed to XXXX in the amount of {$440.00}. The date on this letter say XX/XX/2018. They said that they verified it but I have no idea what they are talking about and if I did, what they provided wasnt proof of verification.
Consumer complaint received 2017-08-03
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: Experian Information Solutions Inc. (FL)

Experian closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue
Consumer complaint received 2017-08-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (DE)

I do not have the dates off hand because it happened over 2 years ago, but after reading the following forbes article, I can definitely state that I was a victim of at least 4 of the 6 common complaints that were being made about Navient. XXXX XXXX XXXX XXXX XXXX 1. created obstacles to repayment by providing bad information ; - Almost every 2-3 months for over at least 2 years, I was provided applications to submit for income-driven repayment plans that I would fill out and re-submit and A ) was told they never received and B ) was told was the wrong form. Each call ended up in a forbearance with interest accrued. The total cost of my loan has gone up dramatically since. Needless, to say it was an endless cycle of torment.
2. processed payments incorrectly ; - Upon finally agreeing to begin making the monthly payments, I was given on three different occasions 3 different addresses to send the payments to, which subsequently caused a return of payment to my bank, and delay in paying off actual student loan. This took over 3 months to get resolved.
- failed to act when borrowers complained ; - I asked on dozens of occasions to receive my payment or any correspondence via post-office mail and not e-mail as it was not reliable for ensuring that I was receiving my applications for refinancing / monthly payment adjustments / statements, and until today, have not received a single letter via standard post office mail.
- illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; - My original federal student loan amounted to only XXXX and I had under 3 % interest and it was highly recommended that I consolidate everything and go to a private vendor to simplify everything ... .I now have an interest rate of 6.5 % on my student loan with a monthly payment of over {$1300.00} now and a total loan of over 100k. I feel that I was GROSSLY cheated.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

As of XX/XX/XXXX I called to give my payment to XXXX XXXX. They accepted the payment and told me it went through. 30 days later they tell me I have a late payments and that the payments was never processed for 65 .

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 6 o 2 states I have rights to privacy 15 usc 1681 section 6 o 4 a section 2 its also state a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2020-12-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (TX)

In XX/XX/2020 I did a review of payments on my 72 month loan and found I have made 74 payments. I mailed a dispute letter on XXXX XXXX which they received. I gave them two weeks without a response. I tried to call and kept getting collections and transferring to customer service was no help. I keep getting collections calls. I finallyam fed up with no response and contacting you.
Consumer complaint received 2017-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (DC)

I was involved in a XXXX XXXX XXXX XXXX in Maryland XXXX XXXX 2013 ( 4 years ago ) I now have a medical bill balance of XXXX being reported to my credit bureaus. At the time, I had 2 health insurance companies as well as auto insurance. After researching, I found that the second insurance and auto insurance were never billed. I tried to retroactively have this handled however I no longer work at my old job and my health insurance has since changed. I do n't owe for this XXXX XXXX told me that I have to pay this. I need this REMOVED. I work for the XXXX XXXX XXXX XXXX. XXXX XXXX  is at stake for a bill that was never processed correctly and shows up 4 years!! Later. This needs to be removed from my credit bureaus immediately. I spoke with a representative today XXXX XXXX and a manager XXXX and they are forcing me to pay and wo n't delete this even though it should have never been reported in the first place. He 's saying the credit agencies must delete but the bureaus are saying the bureaus must delete. XXXX XXXX must remove.
Consumer complaint received 2017-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NC)

My complaint is about Paypal. I have had an account with them for many years and, recently, they decided that they would limit my account. I do travel through a company called XXXX XXXX XXXX XXXX ( XXXX ). They pay me as a contractor but, I do n't have to setup my own business. However, they do provide me a website page and I was trying to draw people to that page via facebook. As a result, Paypal decided to setup my personal account as a business account and requested information from me. I submitted the address verification however, the link for the business submission did not/does not work. I called Paypal about this problem and they told me to just submit the proof of address and ID information, which I did. They said that my limit would be removed within 24 hours of sending that information. It has been weeks. I have n't been able to make payment via their site and my bills which I had paid through Paypal had to be setup with credit cards. Therefore, their account is no longer useful to me. I have requested that they close my account so that my personal information is not on a site which I no longer use. They have told me that I can not close my account while it is limited. However, I can not get it out of limited status even with phone calls, emails, and doing what they ask. How is this company able to hold my personal information ( SSN, credit cards, bank account information ) without my permission? I just want the account closed and to no longer do business with them. Case ID Number : XXXX
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (IL)

SOFI LENDING CORP. and XXXX have been and are reporting inaccurate information on my credit report. SOFI LENDING CORP. and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. SOFI LENDING CORP. and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and SOFI LENDING CORP. asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and SOFI LENDING CORP. of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor SOFI LENDING CORP. have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XXXX/XXXX/XXXX : XXXX. Third certified mail tracking number sent to XX/XX/XXXX on XXXX/XXXX/XXXX : XXXX. Certified mail tracking number sent to SOFI LENDING CORP. on XXXX/XXXX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : SOFI LENDING CORP Date : XXXX/XXXX/XXXX
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view my credit report.
Consumer complaint received 2017-08-03
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: Experian Information Solutions Inc. (MD)

I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.
Consumer complaint received 2017-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

1. I used PayPal to make a purchase fr om  XXXX   XXXX .    2.   XXXX   XXXX  placed a {$1.00} hold on my checking account through PayPal for the purchase.    3.  PayPal actually debited my checking account for {$1.00} instead of placing the hold.   4. I complained to PayPal.    5.  PayPal said they would refund the {$1.00}.   6. PayPal changed their minds and refused to refund me the {$1.00}.   7. PayPal has also cancelled my billing agreement with  XXXX   XXXX , denying me from using PayPal when making  XXXX   XXXX  purchases.    8.  See the attached complete file I have attached on this matter for all details.
Consumer complaint received 2017-06-27
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. (FL)

I have contacted XXXX XXXX XXXX XXXX on more than 5 occasions in regards to a account that they are listing on my consumer credit file. I have told them countless times that I am not the correct person they are trying to collect from. I have went a step further to send them a police report showing that I was a victim of identity theft and still nothing! To make matters worse months later they send me the original contract for the auto loan, and it has someone totally different name on it and the address given is an address I 've never lived at nor have I been associated with. How is this even legal? I have explained that I do not know the person on the auto loan contract. I have sent them a copy of my drivers license to prove this. There are over a million people with my same last name, and Its not fair that they are allowed to continue to violate my consumer rights. The credit reporting agencies ( Equifax ) are n't even doing their job even after I have sent them valid proof and document showing that the account does n't belong to me on many occasions including the most recent on XXXX XXXX, XXXX, and then they " verified it '' on XXXX XXXX, XXXX. This is extremely damaging to my credit file and is preventing me from being able to purchase a home for my family. How could they have possibly investigated this item and verified it if I have the physical contract from the credit without someone else 's information on it. There 's no way!
Consumer complaint received 2017-06-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

I recently closed on a HAMP loan for my 1st mortgage with XXXX XXXX. I submitted an 2mp loan modification with Citimortgage in 2016 for my 2nd loan. Citibank has denied my request for the 2mp program because they were not notified that my 2nd loan qualified for the 2mp program. The have said there is no way for them to give me a 2mp modification without the notification. I believe the notification they need comes from the XXXX XXXX matching system which is used by Hamp loan servicers. I also believe the system allows servicers the ability to match 2nd mortgages to a hamp modified 1st mortgage. Thus allowing them to modify my loan. I do not believe an proper attempt has been made by Citimortage to assist me with my 2mp loan and would like an explanation why citimortgage does not follow the Hamp servicers guide and assist me with my loan.
Consumer complaint received 2017-08-03
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. (NC)

On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I tried a 7 day trial with Equifax to see why all my scores had different numbers on different sites. It said XXXX for 7-day trial, that day Equifax charged my XXXX card XXXX for three scores. I never accepted this fee or agreed to be charged.