davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services (CA)

I XXXX my husband and then. my daughter got incredibly ill- during that time my student loans got sold to what I believe is a XXXX  subsidiary. I asked my lender to adjust my payment amounts - I was not working full time nor much at all as I was at hospital with my family - I offered documentation and was told that if I did not pay the amount ( over $ 1000/month ) I would default. I explained that my income had dropped substantially and that I worked in public health - so already was not really making much money - and offered to pay several hundred dollars a month as a good faith payment. They refused. I finally took a forebearance - they told me there was not other option. I understood that this would interrupt making 120 payments in a row but had no other option. I was told the forebearance - and interest accrued -would cover the missed payments in XX/XX/XXXX- yet they still appear on my credit report as red marks. Similarly- I tried again to get a smaller payment per month in XX/XX/XXXX -  was told it was not possible - got another forebearance and this time there was an error in the report- but the loan company never told me that nor responded to my many inquiries about the status of that forebearance ( again a late mark on my credit report for a month I am now being charged interest on ). I just found out that as someone working in public health and also as someone who wanted to pay her loan a lesser amount- my lender and its servicer where required to work with me - I believe they had me take the most expensive and the option that profited them the most- rather than helping me pay my loan at a lesser monthly amount while I was undergoing incredible duress ( again - all documented medical, lowered income, paper trail on the communication with the loan people )
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (MA)

RECEIVED FOLLOWING 3 BUREAU CREDIT REPORT MONITORING ALERT. I Called Contract callers and advised the following : 1. They ( Contract Callers ) received a referral from XXXX XXXX in XXXX Illinois of a XX/XX/XXXXbill/balance due of {$54.00}. Contract Callers had sent a letter to my attention at an address in XXXX, Illinois and it was returned. I reside in Massachusetts. Contract Callers then placed a Collection Notice on my credit report. I was told to contact the Fraud Bureau of XXXX XXXX and Contract Callers could not resolve this. I had made contact with the utility company back in XX/XX/XXXX and had previously reported with all agencies of my identity being stolen. I had filed a report with my local ( XXXX, MA Police department as well as XXXX, Illinois Police Department. This has yet to have been resolved after 2 years of continued issue. 

XXXX - NewTrade Alert Date XX/XX/XXXX Alert Type New Account AccountNumber XXXX Creditor Name CONTRACT CALLERS INC Industry Type Other Collection Agencies Address CONTRACT CALLERS INC. CCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State GA Phone N/A Amount Delinquent N/A Account Balance 54 Payment Status Collection/Chargeoff Creditor Preferred Contact Other Consumer Statement Placed for collection
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2017, I received an email from a potential employer stating that they could n't run a background check on me as their background check vendor received the following when using my SSN : " Information provided is registered to XXXX, order can not be completed. No record found at the credit bureau. '' I spent the next 4 hours on the phone with the FCRA Consumer Disclosure Center, the Social Security Administration, XXXX, and, finally, Experian. The SSA and XXXX could find no issues with my SSN and confirmed my birthdate. Experian, however, told me that a creditor had submitted a birthdate change to my record which Experian changed without consulting me. I was told by Experian that I would have to provide proof of my birthdate and SSN and they will rectify the issue in 3 to 5 days. This could potentially impact my getting a job with this employer. I suspect that the creditor that submitted this information had erroneously typed my birthdate. However, it is beyond my understanding that a birthdate change could be submitted to a credit reporting agency and that reporting agency accepted this as fact when, in turn, they require me to prove via documentation that my birthdate was, indeed, the date they originally had on file. Again, this change has impacted my ability to get a job.
Consumer complaint received 2017-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

This debt is in regards to a medical bill for my minor son 's treatment through XXXX XXXX XXXX XXXX XXXX  in the amount of {$120.00}. My son went in for his XXXX XXXX appointment onXX/XX/XXXXand his service was not covered by my insurance company because he had exceeded the number of his wellness visits.
I contacted my insurance company ( XXXX ) to file an appeal and was told that they would consider the appeal. The insurer agreed to pay the claim and reprocessed the payment. I notified XXXX that the payment was going to be reprocessed and paid. A couple weeks later they notified me that this payment had still not been paid and would be sent to collections. I subsequently called XXXX and they told me they would make a rush payment.
Today, XX/XX/XXXX I received a call from Merchants Credit Guide indicating that I owed a bill to XXXX XXXX in the amount of {$120.00} that was sent to collections on XX/XX/XXXX. I informed them that this should 've been paid by my insurer and that I would call them back with further information. I contacted my insurer and was notified that this bill had been reprocessed and paid on XX/XX/XXXX through electronic transfer, record number XXXX in the amount of XXXX I proceeded to call Merchants and notify them to update their system. They told me I should also call XXXX and file an update with them.
I 've tried to call XXXX to get some type of communication indicating this was sent in error and an apology. I have an excellent credit score which I 've worked hard to maintain and achieve do not wish to see it tarnished through an incompetent and careless billing department. I wish to see some type of sanctions as this callous and careless attitude should not go unpunished I can provide any further information that the CFPB shall require.
Consumer complaint received 2017-09-25
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: EQUIFAX, INC. (NE)

I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.
Consumer complaint received 2017-09-25
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. (NE)

I mailed a certified letter to each credit bureau requesting that certain inquiries be removed from my credit report. It has been 30 days and I have yet to receive a reply.
Consumer complaint received 2017-06-01
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: SYNCHRONY FINANCIAL (GA)

I checked my personal credit report and I found that there were things on my credit that do not belong to me. So i submitted dispute request and nothing has been done yet. I would like this information to be removed from my credit
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus..Experian,  XXXX ,  XXXX  and asked them  to show the case as closed / discharged.     I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all   XXXX    bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (NY)

Dear Sir/Madame, The following complaint pertains to a previous case that was opened on XX/XX/2017 - case # XXXX. In that circumstance, I explained the reasons for my dispute with Synchrony Bank. In a nutshell, the bank opened 2 accounts and twice put me in collection without any notice. I was the victim of an identity theft. The fraudulent person only knows my social security number and my date of birth. As far as I know, he/she does not have any other piece of information. I was questioning why Synchrony Bank opened 2 accounts under my name and put me in collection twice when the identity thief only had 2 pieces of information ( it 's my understanding that, regardless of any precise regulation, the well-established rule of thumb is " at least 3 pieces '' ). In their reply, the bank states that the fraudulent person also has a valid previous address of mine that was verified before opening the accounts. All credit reports by the 3 main agencies show the incorrect address as solely submitted by Synchrony Bank. On several occasions, I asked the bank to corroborate such statement that is relevant to the case and that was submitted under the supervision of a governmental agency. I was told that the Bank has no way to prove the accuracy of the statement. Unfortunately, there is a history of Synchrony Bank providing me with inaccurate information. Why should I trust them now? Two weeks ago, on a voicemail, I was provided with the name of the agency from which they received the information and asked to contact it. Since Synchrony Bank is, in my opinion, largely to blame for the unpleasant incident, since Synchrony Bank made such statement a crucial element in dismissing my claim, should I not deserve clarifications? Who holds the burden of proof for something that was stated by Synchrony Bank, not me? Why should I contact a business partner of Synchrony Bank that does not have any previous interaction with me? Why should Synchrony Bank " wash its hands of it '' when the whole incident was created by the bank itself, not having the courtesy to contact me when so much information was incorrect ( the identity-theft does not even know my correct last name )? Is it too much to ask that, if you make a key statement under the supervision of a governmental agency, you also have to corroborate it? Thanks!
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

Hello All, I have two issues, one with J.P. Morgan/Chase Bank and the other is with the WA State Supreme Court Clerk.
The Clerk 's of the Courts effectively run interference for the court so they do n't have the court to hear Constitutional issue. I lost my family home of 61 years because of Clerk 's of the Court refuse to Docket my petition that the WA Constitution Article 1 Section 4, the right to petition. J.P. Morgan/Chase Bank commit fraud on a daily bases for profit at the expense of the consumer. Please help the American Consumers.
XXXX XXXX XXXX
Consumer complaint received 2017-05-30
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. (NY)

I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request roughl y 4-5 mo nths ago and have not heard back. I have called multiple times only to be bounced around departments wit h no one able to g ive me any information or answers. I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.
Consumer complaint received 2015-07-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Legal Recovery Law Offices, Inc (CA)

In XXXX Legal Recovery Law Offices XXXX Inc., in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, three years later on XXXX XXXX, XXXX, Legal Recovery Law Offices is now representing the buyer of this debt, XXXX XXXX XXXX XXXX XXXX, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, five and a half years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX XXXX XXXX Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.
Consumer complaint received 2016-10-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (UT)

I traditionally take and make bi-weekly payments on my mortgage with Stearns lending so that way I can take and make an extra payment as well as so I can take and pay down the principal on the loan more quickly. 
I am not signed up for any bi-weekly payment plan and or service and have always questioned given the quick and easy method by which companies are able to take and receive and apply any payments that come with them why I should have to take and incur an additional cost when I can clearly show that my mortgage company by their own system is receiving my payments but they are are choosing to apply them to the loan on their own schedule thereby forcing me to continue to incur added interest while at the same time they are just able to sit on my money without any added return or benefit for me? 
I have provided a PDF of all payments that have been made every 2 weeks going back to XXXX/XXXX/2014.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

Key Bank acct  XXXX   XXXX   XXXX  on Tuesday  XXXX   XXXX  my account had a positive balance of {$7.00}, then deposited {$57. 00} ( cash  ). on wendsday  XXXX   XXXX , I saw they slipped in an over draft charge, but before and after the charge according to the online register my account was never overdraft. how can I get an over draft charge when my account was positive Friday night, Saturday, sunday and Monday and Tuesday.     I guess they feel they can slip a f ast one by cu stomers, they could not offer me an explanation at all. I feel like the bank has taken advantage of a veteran, over the weekend we should be thanked for our service.
Consumer complaint received 2017-05-30
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. (IL)

I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. XXXX reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account. This is a violation of the FCRA because they are reporting INACCURATE information on my report.
Consumer complaint received 2017-05-31
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. (CA)

In correspondence dated  XXXX  -2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2017-05-30
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: Resurgent Capital Services L.P. (NY)

I noticed when checking my credit that XXXX XXXX XXXX claimed that a account was charged off, i asked for validation off the account because i do n't own a XXXX XXXX account they replied back that they do n't have any papers and this account was shut down and sold to a collection company named LVNV Funding INC, i asked LVNV Funding INC as well for Validation and received a letter stating that the account was closed. I also requested XXXX I would Like Proof As per Sec 605, 609, and 623 Per FCRA and received noting, XXXX is required to provide proof Per 609 and failed to comply, I spoke with a supervisor at XXXX XXXX XXXX named XXXX ID # XXXX and was told that they sent over all documents to LVNV and to contact them they have nothing but they claimed to verified and updated my XXXX  credit report on XX/XX/XXXX. Resurgent Capital ( LVNV ) sent me a letter on XX/XX/XXXX stating they will be request to delete tradeline it still reporting as of XX/XX/XXXX
Consumer complaint received 2017-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I was denied credit on  XXXX / XXXX / XXXX  by  XXXX   XXXX   XXXX   XXXX  due to Bank of America reporting inaccurate information on my credit reports with  XXXX ,   XXXX   and  XXXX  credit bureaus.     Bank of America reported late mortgage payments for the months of  XXXX ,  XXXX ,  XXXX  of  XXXX  ( 60 days late ). I disputed this with the credit bureaus and they replied by stating that the information was verified as correct.     I supplied bank statement copies from my credit union to thes e (   XXXX   ) credit bureaus as well as to Bank of America ( complaint dept ) showing that these payments were  made within the months they were due. The transactions were ( ACH ) withdrawals by Bank of America out of my checking account. The dates and amo unt ( s ) were pr ovided on the statements and highlighted.     This incorrect information remains on my reports and I will continue to be denied credit for a new mortgage until it is corrected.     Thank you.    XXXX   XXXX   XXXX
Consumer complaint received 2017-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

The aforementioned credit agency representing  XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is  required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Credit Control Services does not have any documentation, they need to remove this from  my credit file immediately.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Hello, I am getting in touch because I have received an unauthorized charge from Coinbase on the card I use to buy digital currency. This is the second time I have received such a charge ( the first time I worked through my credit card company and promptly received a refund ). 

For two weeks now I have attempted to work with Coinbase to identify the issue. Further, since I raised the issue to Coinbase they have locked my account ( I am unable to buy and sell digital currency ), presumably out of a concern about fraud.
Coinbase 's website indicates that their representatives respond within a day in cases of fraud, however I have been waiting two weeks for resolution. In the meantime the unauthorized charges in the attachment I have posted below are still on my card. Thanks so much for your help. 

1 ) XX/XX/XXXX : {$1500.00} - Legitimate charge 2 ) XX/XX/XXXX : {$950.00} - Legitimate charge 3 ) XX/XX/XXXX : XXXX : UNAUTHORIZED CHARGE - I did not make this charge and did not receive any email documentation from coinbase regarding this charge. 

4 ) XX/XX/XXXX : Refund from my credit card for an unauthorized charge. 

5 ) XX/XX/XXXX : UNAUTHORIZED CHARGE - this is the same situation as Charge 3 above - I did not make this charge and did not receive any emails from coinbase about it ; it simply appeared on my credit card statement.