davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Solidus Group LLC. (FL)

Received a phone call from XXXX at work from a collection agency XXXX XXXX but they did not give their name at first when calling. I told the rep I'm not allowed personal phone calls at work becuase the line was for patient 's only to please call my cell. If they have called my cell before they have never left a message to call them back. They called my work on XX/XX/XXXX, XX/XX/XXXX  and XX/XX/XXXX. Each time I told them I'm not allowed calls at work. On XX/XX/XXXX the lady from XXXX XXXX asked to speak to my supervisor so should could tell her about " how i'm acting ''. Also threatened to playback any conversations to her that she recoreded. I asked them on every conversation to please mail me validation of the debt and that I have not received anything from them and if they do have the legal right to my personal information they should have my address. They refused to mail anything or do a three way call with the suspected orginial creditor to validate who they are.
Consumer complaint received 2018-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Received letter from collection agency Commonwealth Financial Systems on behalf of original creditor XXXX XXXX XXXX XXXX ... I have called numerous times and left messages for a return call to validate that the bills are mine..requesting any kind of documentation that would have my social security number and or signature ... I have not gotten any response to my numerous messages..Both collection agency and original creditor are based out of Pennsylvania. I checked the TX Secretary of State website for these two companies to see if they are licensed to collect for the state of TX ... Could not find either name on site. I am requesting both of these collections with Commonwealth Financial Systems -- with their file number XXXX -- amount {$830.00} and file number XXXX amount {$56.00} Date of Service XX/XX/14 be deleted from ALL credit bureaus and consumer agencies.
Consumer complaint received 2018-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

XX/XX/XXXX I received payment for {$590.00} for a pair of shoes I shipped on XXXX. 

XX/XX/XXXX My PayPal account was debited {$590.00} because the buyer reported her XXXX account was hacked and disputed the transaction. 

I don't find it fair that I shipped my item to the address ( I have the tracking number as well ) that was provided to me via the XXXX buyer and now the transaction has been disputed and I'm not only out my {$600.00} shoes, I'm also being charge backed by paypal for {$600.00} AND there was a charge back fee. I have tried resolving this issue over the phone numerous times with zero help. 

I also contacted XXXX who has Seller Protection as well. XXXX told me I would only be covered by their Seller Protection if the buyer opened a claim with them. I have no control over the buyer opening a claim with XXXX. I did reach out to the buyer and asked if she would open a claim with XXXX and received no response. 
On top of that XXXX charged me {$61.00} for Sellerss Fees for this transaction. 

As a business owner myself, I find the business practices taking place by these two companies unjust and immoral.
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (VA)

Please help me with figuring out how to get back on track with my monthly payments. I have been speaking with XXXX XXXX since XXXX of XXXX for help. I was ill and not working for most of XXXX and could not keep up with the payments due to having high risk XXXX. I was told by XXXX XXXX there was nothing they could do on my first attempt to contact them in XX/XX/XXXX, In XX/XX/XXXX I was advised to apply for lowering pays but the rep never sent the application. XX/XX/XXXX I was advised I wouldn't qualify via online tools and rep. XX/XX/XXXX I applied for temp XXXX and I was denied based on my loan type. Now I am thousands behind.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

I opened 2 store credit cards that were issued to me by XXXX XXXX. One was opened on XX/XX/XXXX and the other was opened on XX/XX/XXXX. My credit limit was lowered 2 times. I started with a credit limit of {$800.00}. It went down to {$670.00} in XX/XX/XXXX and again to {$510.00} in XX/XX/XXXX. I telephoned the bank to inquire why they were lowering my limit. They told me that every few months they check my credit report. According to them I had serious delinquencies on my report that was reported by XXXX. I pulled my credit report from XXXX. It shows that I made two 30 day late payments in XXXX & XXXX of XXXX. XXXX XXXX then closed my account on XXXX of XXXX again for serious delinquencies that were being reported by XXXX. I telephoned the collections office again to inquire why they closed my account. The other store card that they issued to me was also being lowered and then canceled on XX/XX/XXXX. I was 30 days late on 1 payment on XX/XX/XXXX. When I asked why they issued me the cards in the first place, they could not answer that question. My credit score has been going up every month so I could not understand why they would cancel me. Also, the cards were issued to me AFTER I filed chapter XXXX bankruptcy which occurred in XX/XX/XXXX.
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (SC)

Hello I have a ton of student loan late payments on my credit report. I can not remember who I spoke with but at the time my father was XXXX from XXXX. I asked them adjust my credit report and nothing was done. Naviet is very nasty and does not commuincate with consumers very well. They failed to understand my situation my loans went into default, high interest, and more. Now my that my loans are in good standing, they still want update my credit report. All Im asking them to do is to treat me right because they are rude in so many ways. Please them to update my credit report and remove all the negative late payments. Thanks!!!
Consumer complaint received 2018-05-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EZCORP, INC. (TX)

Yes i have paid this debt 2 times to two different company 's and they keep selling my information to different company and now there is a company calling saying that they are suing me and going to serve me ppw to go to court i have receipts showing i have paid this debt. The original creditor EZ-MONEY is no longer a United States company. So I cant get a hold of them anymore. The company that keeps calling me with a robo call and putting me on hold is from different number and names they say they are a courier service that wants me to tell them where i work to deliver me paperwork or to call this other number I call them and they are rude and want me to give them cc information. I refuse and they hang up on me. XXXX that's the number the caller id says XXXX XXXX The last time they called the caller id said XXXX same ppl and told me same thing. I have informed them that I paid it and offered to sent them the receipt and they refuse to accept it. Please help me they are calling about 8 times a week.
Consumer complaint received 2018-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (MO)

This company has ruined my life. They are reporting Im deceased and Im alive. I was XXXX and a hospital commuted malpractice and now is falsely reporting things that has delayed my tax return, caused problems with jury duty, and got me denied among other things. This isnt fair and Im not dead. I pray to XXXX people stop saying that and speaking bad things on my life.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (NY)

Regarding : Unable to open a savings account with XXXX by Goldman Sachs On XX/XX/XXXX I attempted to open a savings account with XXXX online on XXXX. After filling in my personal details the web application failed to pull my personal / credit information from the records and it was declined. 

On XX/XX/XXXX I called XXXX customer service, citing the application number. I was told to try reapplying online. I did what was suggested, trying to apply twice with a slight variation of my apartment number ( both are correct ). Both application were declined. I called customer service on the same day and was told to apply by phone after 24 hours. 

I called customer service again on XX/XX/XXXX and after citing the application number I was told I would be unable to open an account. The customer service rep refused to specify a reason. I escalated to the supervisor, who again refused to state a reason and declined to provide an escalation path.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I had a vehicle loan through XXXXXXXX XXXX XXXX XXXX that I opened in XX/XX/XXXX. I first became late on payments in XX/XX/XXXX and i voluntarily surrendered the car to them in XX/XX/XXXX. However, American Honda is not reporting the information to XXXX correctly. Honda did send me a payment history and it does show that the loan became late in XX/XX/XXXX. Per FCRA law this item should be removed from my credit report already due to the 7 years requirement from the date of first delienquency. But because Honda keeps advising that it was XX/XX/XXXXor XX/XX/XXXX XXXX will not remove it.
Consumer complaint received 2018-05-16
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I contacted XXXX XXXXXXXX XXXX, XXXX to address a false report on my Experian credit file which indicated that I am past due on my bill. I was assured that the account was in good standing and in forbearance status. The representative who took my call also suggested I dispute the item to get it removed from my credit. Upon doing so, the company reported that I was late for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail that was dated XX/XX/XXXX which confirms that I do not have a past due  balance and my account is currently in forbearance status. My credit score has dropped tremendously due to this error.
Consumer complaint received 2018-05-15
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: ENCORE CAPITAL GROUP INC. (FL)

I have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per the FCRA
Consumer complaint received 2018-05-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per the FCRA
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NC)

On XXXX XXXX i received my paypal credit statement but i did not open till XX/XX/XXXX and then when i checked them i was shocked that i have transaction that i did not recognise or Authorized and i called my paypal credit immediately to report the transaction that i did not Authorized all Cash advance transaction from XX/XX/XXXX that transaction is not made by me and i have not received any products or items from this transaction. i requested to closed and unlink my paypal credit to my paypal account. also already check my credit report and tried to report this incident to the credit bureau but i did not see this account and realized they don't report this kind of credit to the credit bureau.
Consumer complaint received 2018-04-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I applied for all three credit reports from " XXXX '' which included Equifax, XXXX, and XXXX. I was only able to receive the report from XXXX. As a California   resident, I called to register a complaint with the proper agency. I also downloaded the form to mail a request with proper identification evidence and submitted same to Equifax and XXXX ... .both initially declined my request citing evidence was inadequate. I finally received a report from Equifax after complaining to the agency in California ... but received nothing from XXXX. I then called XXXX   and after satisfactorily proving that I was indeed, XXXX XXXX XXXX ... they still insisted that I submit new evidence documents to receive a report by mail. I blew up and told them that was XXXX  as they knew who I was at that point..finally they agreed to send a report by mail which I received last week. Four months after embarking on a quest to receive my annual credit report free from Equifax, XXXX, and XXXX. My main complaint concern is with Equifax as two of the negative accounts in collection have already been removed from XXXX after I submitted information that they must be deleted. I registered a formal dispute online with Equifax which was supposed to be completed by XX/XX/XXXX. After  checking with Equifax no results were posted, although the date of XX/XX/XXXX was still listed as the date investigation results would be posted. The disputed accounts are ; 1. XXXX XXXX XXXX XXXX   collecting for XXXX XXXX XXXX XXXX Amount {$2100.00}. 2. XXXX XXXX XXXX which was removed as " not my account '' from XXXX. Both these should be deleted. A third account XXXX XXXX XXXX is currently in dispute under 2 prior complaints with this agency.
Consumer complaint received 2018-05-15
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. (NY)

I called Experian regarding an incorrect address that recently appeared on my credit report since there is now a 'Fraud Alert ' on my reports. The address is affiliated with a business that does not exist : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I spoke to XXXX in the Dispute Department and she claims the address is associated with a Bankruptcy that is on my credit report that I have been disputing via certified letters since XX/XX/18 and three more since and they have yet to mark the Bankruptcy 'Disputed by Consumer '. They claim they have verified the Bankruptcy via XXXX and when I asked XXXX to send me actual verification she said I needed to send Experian a subpoena in order to see verified information. I then asked to speak to her Supervisor and then she hung the phone up on me. I have sent Experian a letter from the US Bankruptcy Court as well as several letters, followed up by phone calls and I am getting the runaround and being lied to. They are clearly in violation of the FCRA.
Consumer complaint received 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have submitted a complaint to the department of education and they replied that they do not handle private loans, my problem is the federal loans, not the private loans. Navient will not work with me to lower the payment to get it up to date. XXXX I called, the female on the other line said she could charge a {$150.00} fee to put my account in forbearance ( my payment is {$130.00} ). She then said to make the payment of {$130.00} and she would help me to lower the payment. At this time I had maybe {$3.00} in my account. She drilled me about my expenses which was an invasion of my privacy and made me uncomfortable. She gave me no options to help me and told me to contact the department of education. After this conversation my credit went down from great to fair because of navient, stating I was 60 days overdue. I got an email from a XXXX XXXX that he was looking over my account XX/XX/XXXX and never heard back, I called XX/XX/XXXX to try to work something out again with no luck. I was told that this XXXX XXXX would contact me next week sometime. I am frustrated and dont want them to affect my credit, it should have never been reported to begin with. This company is a bunch of crooks and I would like a resolution.
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Again XXXX XXXX, XXXX has scheduled foreclosure Sale on my house. The foreclosure sale date is scheduled for XX/XX/XXXX. The foreclosure sale Notice I received from XXXX XXXX XXXX, XXXX said that please find enclosed advertisement of the foreclosure sale as published in XXXX XXXX XXXX. I did not and could not find any advertisement in the foreclosure sale Notice I received in the mail on XX/XX/XXXX. It is a false claim. 

Since the last foreclosure sale that was scheduled for XX/XX/XXXX, Mr. Cooper have not tried to reach out to me with respect to my HAMP Loan Modification I applied for in XXXX which is yet to be resolved. So I do not understand the reason for the foreclosure sale on my house. 

Nationstar Mortgage now called Mr. Cooper have tried on so many occasions, very hard to unilaterally resolve the HAMP Loan Modification I applied for in XXXX. This is in violation of the HAMP Loan Modification Program guidelines. The HAMP Loan Modification Program guidelines specifically stated that in order to resolve the HAMP Loan Modification it has to be resolved bilaterally and not unilaterally. 

My other complaints are 1. I suspect that fraudulent activity is taking place in my escrow account statement I recently received from Mr. Cooper. 2. In the Informational Statements I received from Mr. Cooper, Mr. Cooper is trying very hard to collect from me the sum of {$440000.00} which is a violation of the Virginia Bankruptcy Law. I believe these complaints should be investigated.
Consumer complaint received 2018-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

I noticed on my credit report that I had a collection added from the company XXXX XXXX XXXX XXXX. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I saw on my credit report that it comes from a company called Synerprise Consulting Se and they haven't reached out to me or sent me any type of notification regarding this claim.
Consumer complaint received 2018-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (WA)

I had XXXX performed at XXXX XXXX XXXX in XXXX, WA. I was in a payment arrangement with them and paid the bill off this month. However, it was sent to Phoenix Financial Services who promptly reported it to all 3 credit bureaus. They refused to contact the creditor to verify that the bill had been paid. Because of this, I was not able to close on a house that we were purchasing and I lost {$5000.00} earnest money.
Consumer complaint received 2018-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (SC)

Diversified Consultants Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

A fraudulent inquiry was made today on my Transunion credit report by XXXX XXXX. I was alerted via a credit reporting watch I have with Transunion. A screenshot of this inquiry is below. I called with no resolution and have written a letter. 

I have no open accounts with XXXX and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted XXXX XXXX. I sent a letter to : XXXX XXXX, Attn. : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX specifically asking to be certain XXXX XXXX was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.