davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. XXXX has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.
Consumer complaint received 2018-09-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
XXXX XXXX
Consumer complaint received 2018-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Recently I received a copy of my credit report, upon reviewing my credit report I noticed XXXX XXXX XXXX XXXX had reported derogatory remarks to my credit report, XXXX hadn't sent any notice and failed to apprise me of, and afford me of my right to dispute and challenge such negative information being communicated to any third persons, per 15 USC 1681s 2 ( a ) ( 7 ). I had no knowledge of this account neither did I have an account with XXXX XXXX XXXX XXXX. 

On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX   XXXX a debt validation letter in accordance to Texas Finance Code 392.202 ( see attached validation request ). On XX/XX/2018 and again on XX/XX/2018 XXXX XXXX XXXX   XXXX sent me a computer generated printout as an alleged verification of the alleged debt XXXX XXXX XXXX XXXX   alleges I owe, ( see attached printout ). 

On XX/XX/2018 I again communicated with XXXX XXXX XXXX XXXX via Certified Mail, ( see attached letter ),  exercising my rights under 15 USC 1692g ( a ) ( 5 ) I requested the name and address of the original creditor, my request for the information of the original creditor is not time barred and XXXX XXXX XXXX XXXX willful noncompliance has hindered my rights to obtain information of this alleged debt.
Consumer complaint received 2018-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WI)

I am a student loan borrower having troubles dealing with my lender. I initially received Stafford Loans after the year XXXX with the intention of joining the PSLF program and entering medical school. After completing four years of XXXX  school at XXXX University in XXXX AZ, I moved to XXXX to start residency training at Advocate XXXX XXXX XXXX. In XXXX, I consolidated my Direct ( i.e. Stafford ) loans and submitted my first application for IDR plan. In XX/XX/XXXX, I started repaying my loans after a short grace period. Each year, I re certified for IDR plans. And each year, I paid monthly, even if the amount was XXXX dollars, based on previously tax year returns. In XXXX, I realized my former application for the PSLF program never went through. Not to fear, the PSLF program was retroactive. I successfully applied for PSLF in fall XXXX and transferred my loans to XXXX in XX/XX/XXXX. Both my previous employer and current employer were qualified under the PSLF program. Each month following, I checked in with FedLoan Servicing to check on number of qualifying payments. Initially, I was told it could take up to 90 business days. Ninety business days came and went. I was later told, the process was taking longer than expected. In XX/XX/XXXX, I escalated my complaints to a FedLoan Servicing Borrower Advocate. I was assured that there was nothing I could do to expedite the counting and that I should continue to wait. I was never given a count on number of qualifying payments. Unbeknownst to me, they considered my complaint an " appeal ''. The following months, I was told that my application was in process, but no definitive count was given. On XX/XX/XXXX, I talked with a Advocate # XXXX. He told me that the appeal process can take up to a year. He also informed me that he would produce an email to expedite the appeal process. He finally told me that I had 8 qualifying payments under PSLF, the first count anyone has given me in 1 year! Stunned, I did not know how to proceed. He told me XXXX would notify me with a letter once the count was finalized. By my records and calculations, I have over 50 qualifying payments towards PSLF. I am getting frustrated calling each month and talking with a different representative, only to be given the run-around and no definitive answers.
Consumer complaint received 2018-09-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
XXXX XXXX
Consumer complaint received 2018-09-22
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: Experian Information Solutions Inc. (MA)

Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-09-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

i contact chase bank to day to put a stop payments on two ach purchase the money was charged for XXXX dollars out of my account any way to XXXX XXXX XXXX from some eletronic check payments system than i didnt agree or allow this XXXX XXXX XXXX company to do and chase bank give this loan company system access to my account too do this after they had taken XXXX dollars out my checking account so the two loan company wouldnd i have access to my account for 18 month and chase bank guranteed me that those two loans company wouldnt be able to withdraw funds out of account, now chase bank has caused my account to be overdrawn by this loan company XXXX XXXX XXXX and chase bank failed to protact my account, and was treated very unkind by this bank XXXX XXXX
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

All of a sudden I had an alert that a negative collection was on my credit report on XX/XX/XXXX. Upon investigating it appears Southwest Credit our of XXXX, Texas it opened a collection on XX/XX/2018. It says I owe XXXX. I needed service with them 2 years ago due to poor coverage and a XXXX owed. Never received a final bill either.
Consumer complaint received 2018-09-22
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Immediate Credit Recovery (GA)

I received several calls and later a printed statement by mail, regarding an old student loan from a Collection Agency that indicated they were contacting me on behalf of the Department of Education. I contacted them by phone and was told unless I agree to set up satisfactory payment arrangements or submit the full payment amount, I would be subject to further collection activity including garnishment of wages and or XXXX / S.S. benefits. The issue also is currently there is a tax offset already in force that automatically forwards any tax refunds toward the balance of the student loan. 

With that already active, I should not have to be threatened & harassed by a collection Agency for a debt that is already being paid by the tax offset.
Consumer complaint received 2018-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Responded to XXXX XXXX XXXX mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NY)

the company name XXXX XXXX XXXX calling themselves the debt collector for my Amex accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named XXXX calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for depression,  anxiety and threat.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/XXXX i closed two accounts with the company synchrony bank, for XXXX XXXX XXXX. They continued to bill me and charge late fees. I spoke with several repreresentatives and informed them i was willing to pay the actual balance owed minus all the late fees from the date Id closed the accounts. They declined. On XX/XX/XXXX a representative from synchrony debt collector impersonated a law enforcement/govt official at an acquaintances home thinking it was my address, and tried to serve me demanding my location and threatening i have an impending lawsuit. The homeowner advised them i have not nor have ever lived at the address. They continued to try to press the homeowner for information with a packet of paper to say i was to be served. This is in clear violation of the FDCPA, in addition to revealing personal information to a non privileged party.
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (OH)

On XX/XX/2018 I received a credit alert from XXXX  that a new collection account has been added to my credit file in the amount of {$1000.00}. The company is Capio Partners/XXXX XXXX XXXX. On XX/XX/2018 I sent a validation letter by certified mail via USPS to this company requesting that the debt be validated and requested that all communications be conducted by USPS. On XX/XX/2018 the validation letter was delivered to an individual at Capio Partners office address. Between XX/XX/XXXX and XX/XX/2018 the account was removed from XXXX and XXXX. At that time I was not disputing the account with the credit reporting agencies directly and after Capio Partners received the validation letter requesting validation of debt per the Fair Debit Collections Practice Act and the Fair Credit Reporting Act the account was removed. Capio Partners was not reporting to XXXX at the time, As of XX/XX/2018 I have not received any communication from them through USPS as  requested validating the debt they claim I owe. I believe that XXXX XXXX is being negligent in reporting to XXXX  an account that was requested to be validated by me per FDCPA and FCRA. This company has directly affected my credit worthiness with possible lenders.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer THE XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : 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 2018-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

Stating that the address and phone number listed on the application verified to me, and the card was activated from a phone number that verifies to me DOESN'T SOUND SERIOUS!!!!!!!! In addition, identity verification was completed from the verified phone number during the application stage. 
Please I need the Proof that the person you tried to contact is ME!!!!!!!!!

First the account was opened without signature, second it was somehow verified without even understanding who is this person I need real proof otherwise you can sue me, it's even better for me as I can proof that I NEVER opened any accounts!!!!!!!!!!

I gave the proof ( I-94 form ) that I wasn't in a country at the time the account was opened.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Good afternoon, My name is XXXX XXXX, and my complaint is about XXXX XXXX in regards of a credit card that i had with matress firm. I was offered a credit line of {$3000.00} upon purchasing the matress. First thing i never received the physical, i had to call them to make first payment over the phone, after the payment was made i requested that i received a card and still up to today no card.I created an account online so my payment could be made since i realize i would never received the card from them. I had miss one payment, which was late. But the following month i quickly got some money and paid in full the full balance which was {$1600.00} if i am not mistaken. Because of the late payment, my credit score drop  which i understand and was also my fault due to my financial situation, i still had my hope because i knew once i paid them in full it would go back up. On XX/XX/XXXX, i received an email from credit karma notifying me that the account close and for me to follow up if it was not done by me. I immediately call synchrony in regards of the matter and the representative could not tell me much beside that yes they could that. Now my credit score is extremely low, i was not notified prior, no phone call, email, or letter. I received a letter on XX/XX/XXXX in regards of the matter. Please help me if you and so this doesnt happen to someone else. 
PS. i do not have the full card number but it end with XXXX Best regards and thank you.
Consumer complaint received 2018-09-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/XXXX, I made an online purchase from XXXX XXXX XXXX XXXX for {$470.00} for a coffee table. The approximate delivery date was to be 56-84 business days. XX/XX/XXXX, purchase posts on my Bank of America account. XX/XX/XXXX, I sent an email inquiring of the status of my order. XX/XX/XXXX, I received a response apologizing and blaming an employee. They also moved delivery date to XX/XX/XXXX. XX/XX/XXXX, I sent another email inquiring of the status of my order. XX/XX/XXXX, I received a response stating they were still behind but my order was in production. XX/XX/XXXX, I sent another email and did not get a response. XX/XX/XXXX, I sent an email officially requesting a refund. XX/XX/XXXX, I contacted Bank of America to dispute the charge based on fraudulent business practices. I received a temporary credit. On XX/XX/XXXX, BofA notified me they were reversing the temporary credit because it was outside their time frame to investigate the claim. I was never contacted by anyone from BofA to collect the evidence of my claim, which substantiated the extended time frame. On XX/XX/XXXX< I contacted BofA and requested my claim be reopened. I was given instruction to complete a rebuttal letter and provide the correspondence I had between myself and the company. I provided this to BofA on XX/XX/XXXX. On XX/XX/XXXX, BofA removed {$470.00} from my account. On XX/XX/XXXX, I contacted BofA and again requested my claim be reopened. BofA supervisor XXXX, in Arkansas, refused to do so based on being outside the time frame, despite what I was told previously by BofA and the evidence I provided to them. I can share the same with your agency once I am contacted.
Consumer complaint received 2018-09-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

I opened up a 18th months CD on XX/XX/XXXX with People 's United Bank NA on XXXX XXXX, NY. The CD matured on XX/XX/XXXX, the bank never informed me about the maturity of CD, no letter, no phone call, no e-mail. The bank renewed the CD for another 18th months with out my consent at a much lower rate ie 0.45 % annually than the market going rate 2.3 % annually, I tried to reason with the bank about closing the CD and opening an other CD with the current market rate, the bank declined and wanted to impose {$2700.00} penalty in the event I close the CD. 
I am XXXX years old and that is my retirement money, please help
Consumer complaint received 2018-09-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (NV)

i have a payday loan that is due on XX/XX/18. 

I called this company on XX/XX/18 to pay the loan off in full and they tell i can not pay the loan off. They advise that i have to wait until they process my payment on XX/XX/18 then call back and then i will be able to pay off. 

this is ripping the customer off as i will be charged a double interest amount.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NJ)

Every transaction for the CitiBank issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet CitiBank was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX sent an initial message to the Head of Customer Service and received a response that was an outright lie that his account number could not be located. XXXX XXXX sent a second message noting the applicable illegalities with the only " legal '' option being account closure with any further contact being illegal. The communication of only ( 2 ) messages is easily retrievable. CitiBank called ( 3 ) times within only 5.5 hours on XX/XX/2018. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. Apparently, the majority of financial institutions engage in incessantly intrusive and harassing activity for personal enrichment.