davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC (IL)

I CONTACTED TRANSWORLD SYSTEMS INC REGARDING MY ACCOUNT WITH THE DOD XXXX/XXXX XXXX XXXX. i ADVISED THEM THAT I NEEDED TO DISPUTE THE DEBT AS I WAS NOT ABLE TO MAKE PAYMENTS DUE TO ME NOT BEING AVAILABLE TO HANDLE MY ACCOUNT. I INFORMED THEM THAT I WAS XXXX XXXX AD NOT ABLE TO TAKE CARE OF THIS ACCOUNT ALONG WITH BEING XXXX XXXX I WAS ALSO IN A NON PAY STATUS WITH THE XXXX I ADVISED THEM THAT ALL MY PAYMENTS WERE MADE UNTIL I GOT ORDERS TO MOVE AND I COULD NO LONGER HANDLE THE ACCOUNT I ALSO TOLD THEM I DIDNT HAVE ANYONE THAT COULD TAKE CARE OF IT FOR ME AND THAT I NEVER MISSED A PAYMENT PRIOR UP TO MY XXXX XXXX. I ALSO ASKED FOR A REPAYMENT PLAN AND FOR  THEM TO CORRECT MY CREDIT REPORT I ALSO ASKED THAT THEY REVIEW MY ACCOUNT TO GIVE A HARDSHIP PLAN NONE OF THIS HAPPENED IN FACT THEY STARTED WAGE GARNISHMENT AGAINST ME EVEN WHILE I WAS WAITING FOR A REPLY ABOUT THE HARDSHIP AND THE CREDIT REPORTING.I ALSO ASKED FOR DEBT VALIDATION AND SPOKE WITH XXXX XXXX WHO WAS VERY RUDE AND SAID THAT IT WOULD TAKE 30 TO 45 DAYS FOR THEM SO SEND ME ANYTHING IN THE MAIL. I ALSO ASKED WHAT THE TWO CHARGES WERE LABELED TSI PAYMENT SHE SAID THAT WAS THE INTEREST I WAS PAYING AT 16 % AND THAT IT WAS ALL IN THE CONTRACT I ONCE AGAIN ADVISED HER WAS DISPUTING IT
Consumer complaint received 2018-01-16
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: CITIBANK, N.A. (FL)

I have contacted XXXX and XXXX as well as CBNA/Sears several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company CBNA/Sears, claims they have sent XXXX and XXXX information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXXas this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.
Consumer complaint received 2018-01-17
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: Colony Brands, Inc. (GA)

I initially began disputing this account with each of the credit bureaus in XX/XX/XXXX. The responses from the bureaus reflected that this account entry was verified. I sent XXXX 's a letter ( see attached ) in XX/XX/XXXX, requesting that they investigate this account. My formal request included informing them that each of the 3 bureau reflected a different charge off date. This was the first inaccuracy. Additionally, I requested that they submit a payment history of the account as well as the accounting ledger they maintained that reflects all payments made. Too, this would verify that the amount alleged as owed is indeed accurate and more importantly, it would reflect when this account was charged off as well as if XXXX 's wrote the account off as a profit and loss. 

I received documentation from XXXX 's dated XX/XX/XXXX ( see attached ) which was over a year old from when I actually submitted a dispute. How then was this company able to send me a letter dated for XX/XX/XXXX when my initial dispute to them was in XX/XX/XXXX? As reflected on the letter, XXXX XXXX ( as signed ) stated this response she provided was based on my inquiry, yet as I have mentioned, I only requested this information in XX/XX/XXXX. It appears this letter is backdated in order for them to cover up the fact that they are violating my consumer rights. Included within this letter was a check dated for XX/XX/XXXX. If this was the only payment made, then why did they not provide me a clear registry that reflects this. Also, they again did NOT honor my request to prove that the balance they are alleging I owe is accurate, timely and verifiable. 

What is the actual charge off date? Where are the summaries of payment history for this account? What does the general ledger account reflect for this account? All of this requested information should be housed with XXXX 's and provided to me upon request. It 's obvious this company can not substantiate their reporting as the FDCPA outlines as well as the FCRA ; therefore, this entry must be DELETED!
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KS)

I am a XXXX completing my application for XXXX debt forgiveness. The loans in question are through XXXX XXXX.

XX/XX/XXXX- I received an email confirmation that XXXX had received my XXXX loan forgiveness application. In the email, it says I " should allow up to 10 business days for us to conduct our review '' and that " if we determine that your application is not materially complete, we will send you a letter that specifically advises you of the information/documentation we need to reconsider your application ''.

XX/XX/XXXX- I called to see how processing was going. I was told that my application was done correctly and it was sent to the federal government. I was told to check back in about 90 days.

XX/XX/XXXX- I called to see how the processing was going. I was told that my paperwork was n't done correctly and had n't been sent to the federal government. I completed the paperwork and resubmitted it this same day.

XX/XX/XXXX- I received a notification that my application was sent to the federal government.

I am filing a complaint for three issues on XXXX 's part. 1 ) XXXX  said in writing that I should allow for up to 10 business days to conduct our review. XX/XX/XXXX to XX/XX/XXXX is 93 days. XX/XX/XXXX to XX/XX/XXXX is 92 days. 2 ) I never received " a letter advising me of the information/documentation we need to reconsider your application ''. I was told via phone that this did n't happen because it took so long to process my application. 3 ) On XX/XX/XXXX, I was told via phone that my application was completed correctly and sent to the federal government. This was incorrect. I waited nearly 3 months to check back in because of this.

I understand that I filled out the paperwork incorrectly. This was my fault. It still does not excuse that it took nearly 185 days ( 128 business days ) to process my paperwork. If I allow 10 business days for them to process it, it should have only taken 20 business days. It also does n't excuse them from not mailing me a letter notifying me of how to fix my application once they saw it was done incorrectly. I also was incorrectly told that my application was completed correctly and sent off to the federal government. I only discovered that my application was n't done correctly after taking the initiative to call and check how my application was progressing.

I have filed a complaint. The complaint was denied and I was told I was responsible for all interest accrued. They will be mailing me a letter explaining why the made this decision. I also asked to obtain all of my account notes and a record of my phone communications with them. I was told it would require a subpoena.
Consumer complaint received 2018-08-29
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( Experian and XXXX ) 2. XXXX XXXX XXXX ( XXXX ).
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

I co-signed student loans for my oldest son in XX/XX/XXXXthru XXXX. Then co-signed loans for my youngest son in XX/XX/XXXXthru XXXX. Both loans are now being serviced by Navient. 
My youngest son decided to consolidate all his loans thru XXXX XXXX. They have assumed his loan servicing as of XX/XX/XXXX. When I look at the loans on Navient 's website, they show still due. I talked to a Navient service rep who said I had actually signed loans for myself and I was still responsible for paying them. So Navient now says that the college must have double billed for his loans and I need to check with the college. In other words, my youngest son is paying off his student loan thru XXXX XXXX and Navient expects me to pay off his student loans, too!!! How did we get billed twice for the same amounts?!? I did n't go to school or receive any money but someone charged us twice for his loans and Navient expects me to pay back loans that I supposedly signed for that were for his student loan also! Navient says I did n't co-sign, I actually signed a " Parent Plus '' loan that is in my name alone, according to them. When I look at my account at Navient, it shows every loan for both sons as " Parent Plus ''. I did n't agree to that. I only co-signed. On the very first loan my father actually co-signed but they 're still saying the loan is in my name only. I 've seen all the lawsuits and complaints about Navient and now understand why!
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Recovery Services, Inc. (NJ)

Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. 
Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. 
Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. 

This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.
Consumer complaint received 2016-09-23
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: ALLY FINANCIAL INC. (CT)

I asked Ally Financial to cease all phone calls through a written letter I faxed. I also sent a second letter after they called my home again at least two times a day. I even told a representative over the phone I wrote the letter and she said it did n't make a difference. They gave me 30 days notice by mail ( dated XXXX XXXX ) to make a payment arrangement and repossessed my car ( XXXX XXXX ) anyway without giving me the 30 days. I explained to them in the letters I attached I started a new job and would n't get paid until XXXX XXXX. Ally does n't follow laws or promises to consumers.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying to refinance my mortgage since XXXX with chase, then chase transferred their loan to SP Servicing. since then SP servicing has played a game where every month they say they are missing documents, I provide all of them, with proof, then they wait, then they ask for documents again. This has last until now XXXX!!! I think that they did not want to refinance when the rates were quite low in XXXX and XXXX and now UI am stil having a problem. Furthermore, in XXXX, they requested for me to provide proof on insurance along with the fact that I was paying my real estate taxes. I provided them with proof of insurance along with a statement from my insurance that I was fully insured without any interruption. They acknowledged receipt of the documents but still charge me close to 10K for insurance and real estate taxes. As of today, they have not refunded my account for all this money and are continuing to charge me for insurance. 

This company is much less that honest and they should be fined a very large amount and they should not only pay me back for the money they charged me but they should pay me for interest they charged me on my mortgage. Here is their website and I hope you can help. www.spservicing.com
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a refinance of a loan on a rental property in early XX/XX/2019. I authorized Bank of America to check my credit score, which is over 800. They did the first hard hit on XXXX XXXX XXXX. They did an unauthorized hard hit on XXXX XXXX. They did a third hard hit on XXXX XXXX XXXX for reasons unknown, with no authorization, AFTER THEY DENIED THE LOAN. If they wanted to deny the loan, no problem. I was doing a refi, not trying to get a loan. But I believe they are actively trying to ruin my credit at this point in order to keep me from getting a loan anywhere else.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NJ)

Hello, I would like to challenge the ruling that was mailed to me recently deny my claim by Chase Bank in regards to the that happened on XX/XX/2019.The charge was due to a Scam in which I was scammed out of over 400 $ by this individual/sneaker retailer.The individual/retailer was contacted by me in regards to some sneakers they had been advertising online .I sent the money through XXXX XXXX for two separate purchases one for XXXX and the other for approx 160 .I would like the transactions reversed due to the fact I never received the merchandise and the merchant has since disappeared and removed all online listings of products.I have contacted my bank and provided them with pictures of the transaction details and they have denied me my reversal .I do however feel like the agent that I intially spoke to has some bias towards me due to our previous interaction prior to the denial .I am a working individual and I have never been late with any payments and have payed off thousands of dollars to Chase Bank credit card .Chase recently sent me 2 letters denying both claims and the explanations for denial sound skeptical.Please help me! 

thankyou for your time and I appreciate your review of this Matter
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2019, Bank of America has reported to the credit bureau debt that does not belong to me. I have never submitted an application for a Bank of America credit account. Bank of America did not obtain my permission to access or use my credit. In addition, I was not notified that there was a problem until negative information was reported on my credit report. Bank of America is harassing me and ruining my credit to punish the account holder. The account is not my account and is not my debt. The account belongs to a relative. I received an alert from my credit monitoring service that Bank of America added an unpaid debt to my XXXX credit report. I have disputed the information with XXXX  and it was deleted. Then XX/XX/2019 Bank of America added the debt to my XXXX  credit report as a closed account. The tactics that Bank of America are using are unethical and illegal. 

In reference to the request below for contracts or reciepts, there are none because this is not my debt nor does Bank of America have a contract, permission, or approval with my name on it.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (PA)

EOS CCA. Attempting to collect a debt for {$600.00} account open date is XXXX XXXX. This is not my debt. I have told the company this. I have disputed the information on my credit report and they refuse to delete the incorrect information.
Consumer complaint received 2019-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

My {$100000.00} cashiers check is " lost '' after LoanCare LLC received it via certified mail. One week has gone by and the company has asked for my receipts.

Prior to sending our principal payment, we called LoanCare LLC to understand the process for making large principal payments. Although we preferred electronic payment using their own website, we were asked to send the {$100000.00} cashiers check via mail. We verified the approached and the address with them prior to making this large principal payment. We sent a {$100000.00} cashiers check with the account number on the check via certified mail to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

We documented the process with pictures. After 1 week, they still have not credited the account even though the certified mail shows that they received and signed for the check.
Consumer complaint received 2019-08-13
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. (TN)

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I have an account with Navy Federal Credit Union. The account has been opened for over 30 days. I made a deposit of XXXX. It was a check drawn off of XXXX XXXX. They put a 5 day businesss hold on it. I called on Moday to get it released. I was told only the branch could release it. They wouldnt give me the branch phone number, they wouldn't take my complaint, nor let me speak with a supervisor. They claim they don't verify funds over the phone, but I know they have a system. I didnt even ask for all of it to be released. Just half of it so that I can put gas in my car or buy food. I reached at via XXXX. they were supposed to call me around XXXX. No one called. When I messaged them they said they had to make a phone appointment. Nothing. They have no intention of trying to resolve this.
Consumer complaint received 2019-08-13
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. (TN)

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

last month a credit card reported at XXXX which was over the limit and my overall credit usage was 112 % i made sure to pay before the cycle printed so the account would report below the limit. the card is reported at experian as of this weekend at XXXX balance which decreased my overall credit usage to 68 % but my score is the same as it was when it reported at XXXX and 112 % -- called customer service since i have a subscription and was lied to and told ( ON A RECORDED LINE ) that experian DOES NOT SCORE ME THEY SEND THE INFORMATION TO FICO FOR SCORING AND I SHOULD CALL THEM. I was given a phone number to call fico of XXXX -- if you do not have an ext # you can not speak to anyone so i XXXX  cust svc and was able to get a rep who explained there are many different scoring models and without accessing my report she could give me general info -- i told her experian uses fico 8  gave her the information and she stated that a drop in credit usage that significant should have yielded a change in score across almost ALL models -- especially Fco 8 -- and that the rep at experian lied and should not have told me to call them because they should have been able to provide me accurate information.
Consumer complaint received 2019-08-14
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. (GA)

I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX  and some account that don't even have a name but the account # XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-08-13
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. (IA)

The following collection account is a fraudulent account and is not my account : XXXX XXXX XXXX, {$970.00}. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and XXXX   from the above Debt Collection Company. Thiss so unwarranted.