davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I entered into trial payment plan to modify my loan. I submitted payments on time as specified  by 5/3 Ba nk. However my  XXXX  payment was returned because they stated I had not paid my trial payments. My local bank manager  XXXX   XXXX  and I called to te ll Loss Mitigation Department that I had paid and had proofs of all payments. We were then told that Loss Mitigation could  not see the payments on their computer.     I pers onally called and with the local bank faxed over copies of my certified checks and 5/3rd bank receipts to Loss Mitigation    XXXX   XXXX  ,2017. I 've had several calls to verify they received verification of payments that should already know about and to restore my modification.     This has been an oversight by the servicing b  ank 5/3rd. They have not fulfilled my modification and restored my loan and made any corrections to credit reports.
They have acknowledged receiving verification fax but have n't ' fixed their oversight. It was acknowledge through phone call 2 weeks ago.
Consumer complaint received 2019-08-31
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 (GA)

I asked to remove an acct that was included in bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. The creditors had a heloc of {$80000.00} at time of filing. XXXX has Bank of America reporting a closed account ( closed XX/XX/XXXX ) which was included in bankruptcy in XX/XX/XXXX discharged in XX/XX/XXXX. It shows a balance of XXXX. Should be XXXX. Shows it as charged off and should say included in bankruptcy. Ultimately it should not be reporting. Over 10years since filed.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SCA Collections, Inc. (NC)

I have opened a dispute in the past repeatedly about XXXX XXXX XXXX and their habits to continuously re-age their tradelines on my credit report year over year. They also have a habit of removing the tradeeline from the credit report all to be able to repost it and a new item. This year I am getting ahead of the game before they do this to me again. I have attached credit reports for XX/XX/XXXX form XXXX  as well as for XX/XX/XXXX. You will see that all of their tradelines were in one report reporting status updates months prior to the other report. Balance updates are being made with no updates to the balance, Absolutely nothing has changed up or down. They ahem done this for years which keeps my credit score stagnant and  hovering never to increase more than being looked upon as a risky consumer. I have paid all of my bills one time for over two years. These collectors are always right at the end or turn of the years re-aging items to make them appear as though some change has occurred to make it more relative and a recent hit to my score. I don't know what else to do except to turn to your agency, This is the first part of my complaint. I am expecting them to now reinsert themselves onto my credit report with all four lines they have deleted all to be able to impact my score four times  over! This has to be illegal. I have no idea who is intentionally doing this to me every year but I need it to stop. I need them blocked from my report with no allowance to have the debt they are collecting for to ever appear again due to their unfair practices of credit reporting. 
Company : XXXX XXXX XXXX XXXX updated XX/XX/XXXX with no changes having occurred Company : SCA Collections updated XX/XX/XXXX with no changes having occurred As I explained this is only the first part of my complaint to prove their practice of removing items from the credit report only to add it back all over again to negatively impact the credit score. By next 30-60 days, they will have re-aged the four tradelines they deleted in XXXX. I have no idea why they are allowed to do this to people.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Filed income based repayment paperwork approx imately sixty days before deadline. Paperwork wa s not processed ( even after several phone calls enquiring about status ). Full payment was billed in  XXXX . I was promised that the payment would be adjusted before the due date, but it was not. I have been promised that the  XXXX  bill will be put into " administrative forbearance '' ( so interest does not capitalize ) before the  XXXX  bill is due, while the payment adjustment is pending So far this has not happened. On several occasions I have been told either that paperwork will be submitted ( for example, for administrative forbearance ) and found out later it was not done, or told that an action would take a specified duration  ( eg 7-10 days ) to complete and later find out the time frame was actually 60-90 days.
Consumer complaint received 2017-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I am trying to use an XXXX stipend to pay towards my loan. Fedloan has repeatedly refused to accept the payment. When they refuse the request, they leave a message stating that I do not have a loan with them. So I have called multiple times to resolve the issue. Once they denied that they had an XXXX administrator and on another occasion they stated that they did have an XXXX  administrator but that they had no way of transffering me to their XXXX administrator. They claim to not be receiving the payment requests however they are writing the " user does not have a loan with this institution '' messages and have accepted a prior payment of lesser value.
Consumer complaint received 2016-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

I pulled my credit report and found a judgment on the report from XXXX XXXX XXXX XXXX for {$2400.00}. I decided to reach out to XXXX XXXX to understand what this debt was since I had never received any notification about it and discovered that XXXX XXXX has gone out of business. I then disputed the judgment with the credit bureaus since I did not know what the debt was and am not able to discuss with the now defunct XXXX XXXX. XXXX and XXXX promptly changed the status to satisfied on my credit report, but despite trying to have it removed twice from Experian they informed me that the debt was valid and would remain there. Until I can satisfy this issue, I will not be able to purchase a home. It is impossible for me to satisfy or even confirm the debt is mine if the company has gone out of business. Please help!!
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Dear Sir or Madam, I opened a chec king and a saving account with Citibank in   XXXX   2016 : - As a new consumer, I was supposed to receive  XXXX  $ after a period of 120 days following the opening of the account. It was an offer that they advertised on their website, and I signed up for it when I opened the accounts - I complied with all the conditions ( amount to put on the account, etc. ) - I reached out to my personal banker many times about it. He said that City bank was having " IT problems '' and that the transfer could not be completed. They are now 4 months late, and I can not imagine that a multinational like Citibank would have " IT problem '' for 4 months - I would need your help to force Citibank comply with what they advertise Thank you
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Hi, I have the chase sapphire reserve card op en for 6 w eeks and paid the full annual fee. They decided to close the account on me and refuse to refund the annual fee when I have n't taking advantage of the card- tried calling multiple times and they refused to help or to reopen the account
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (LA)

I have been in contact with  Conn 's on multiple occasions in regards to the reporting of payments made on my account. I have pulled copies of my credit report and have noticed that Conn 's is not correctly reporting payments that are made to my account on time. There are months that were not reported or marked late on one c redit report while the other  XXXX  bureaus has the payment marked as on time. There is conflicting and incorrect information being listed on my credit file which is making it hard to aquire trust and credit from other comp anies. Conn 's representatives has not been helpful in helping to correct my report.  All three credit files reflect different information and I am being reported for late payments in months that I have been on time. Providing false information to the credit bureaus are against the law according to the FRCA.
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American International Finance, Inc. (IN)

I put XXXX down on a XXXX vehicle 3 weeks ago and they will not give me my full down payment back. They took my car without warning a few days ago. The manager refused to take my car payment. It was less than 24 hours since the payment was due. The so called manager said she closed my account because she said she did n't like my attitude and wanted her car back. The finance company is very rude and unprofessional. XXXX and XXXX do not have any type of integrity or heart for human beings. Nice cars, but the company that owns them are something else. I told them I was an identity theft victim and XXXX told me that was my fault. I was Called a liar. I kept getting cut off and told over and over they do n't care. They are so heartless. This is the worst decision I have ever made. They give a 0 day grace period no matter the situation. I have never been treated The way I was by a company this past weekend. I fell into tears. Carplex needs a new bank to work with before they lose all of their good customers. Run from this bank!
Consumer complaint received 2017-04-30
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. (FL)

I have reviewed all  XXXX  of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX   inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Everest Receivable Services Inc. (MD)

A company named 'everest receievables ' contacted me by phone and by mail to collect a debt for exercise nation, which is a gym that i never had a membership with. Everest claims i owe XXXX dollars. This is a false debt. I am in the process of mailing them a written letter stating such and to cease contact with me.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights, 15 U.S.C 1681 section 602 A. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of he following Items of information Any other adverse Item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Requested on  XXXX ,  XXXX ,    2016 verification method FCRA, section 611 ( a ) and ( 7 ) letter to  XXXX . never received requested information from  XXXX .  XXXX  is still reporting on inaccurate information on my credit report.
Consumer complaint received 2017-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On  XXXX / XXXX / 17  is did a balance transfer from a  Visa  Credit Card to this Capital  One  Master Card under a promo rate. {$3000.00} plus the {$65.00} charge On  XXXX / XXXX /   17  Capital  One  took my normal minimum payment {$25.00} On  XXXX / XXXX / 17  Capital  One  then took the Total Statement Balance {$3000.00} ( I did not authorize this or make any changes for this to occur ) On  XXXX / XXXX /   17  Capital realized the error and refunded the money back into my Checking and put the debt back on the credit card at the original Promo Rate for the error on their part.   During the call the Customer Se rvice Rep said  that he needed to reset up t he Auto Draft  and he would have the Payment come out with the same  XXXX  date.   On  XXXX / XXXX /   17  I get a letter that I am 2 months past due and right away make the {$76.00} payment to bring account current On  XXXX / XXXX / 17  I submit a complaint to adjust the 30 day late on my credit report On  XXXX / XXXX /   17  I get a letting saying the 30 day late is correct and the wont adjust it off On  XXXX / XXXX /   17  I ca  ll capital one again and they agree it should be removed but all they can do is submit another claim.
Capital One took the normal Minimum payme  nt on  XXXX  and if the system did not make a change and took the same payment on  XXXX  this would n't be an issue.     This is affecting my refi on my mortgage and I this is not my fault. I have perfect credit always on auto draft and the rep on the  XXXX / XXXX / 17  the rep should had advised that I needed to somehow make the  XXXX  payment again and the auto draft he set up would not work until  XXXX . I was mislead to just get the call over with and now I have this haunting 30 day late.     Please help
Consumer complaint received 2017-04-27
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. (FL)

XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  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  R  XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

I ge t 3-4 letters a month saying I applied for an amazon.com/Chase card. This is over 10 le tters now, and continuing each week.     Somebody is applying for cards in my name repeatedly, and I have called Chase twice, but they are doing nothing to stop it.     I have filed an identity theft police report, I have reported to the credit agencies, and yet Chase continues to process fraudulent applications in my name.     STOP! STOP processing account applications in my name. I am afraid that  Chase  will issue a card fraudulently to a criminal using it in my name or that I will have many hits on my credit report
Consumer complaint received 2017-04-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Requested on  XXXX ,  XXXX ,   XXXX   verification method FCRA, sec tion 611 ( a ) and ( 7 ) l etter to Transunion. never received requested information from Transunion. Transunion is still reporting on inaccurate information on my credit report.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Dont have a amount and dates unknown there are several inquires on my r eport thats unknown and unknowledgeable i would like for them to be removed off of my credit.
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (FL)

I have received a total of seven calls from Convergent Outsourcing. I do not owe any money. I have submitted numerous complaints now to the CFPB to try to stop these calls from various other debt collection agencies. Since getting my new cell phone over a year ago, I have been plagued by calls from debt collection agencies because apparently the number is somehow connected in the debt collection agencies ' computer systems to some other person 's number who has debts. The response from the debt collection agencies is always the same : " We have no record of having called your number. '' But they are calling me! Here is a list of all the calls I have received from Convergent Outsourcing ( all times are in Eastern ).
<P/>
 XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET |  XXXX / XXXX /2017_ XXXX _ET
Consumer complaint received 2017-04-27
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 — Was not notified of investigation status or results
Company: AES/PHEAA (AZ)

On  X/XX/2017    FED LOAN was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED LOAN never responded to my letter. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017 and t he balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/2017   F ED LOAN jumped the loan amount back to {$50000.00}.
Consumer complaint received 2017-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IL)

On  XXXX   XXXX  or around that date, contact ed Harris & Harris re garding collection notice for my daughter  XXXX   XXXX  for date of service  XXXX / XXXX / XXXX  for   XXXX   from  XXXX   XXXX   XXXX . We never received any bills due to an address change. Most recently found out about bill and did investigate it to find out the char ges went to our deductible and we did owe {$150.00}. When we got the notice from Harris & Harris,  I contacted them immediately to inform them that the bill was paid on  XXXX / XXXX / XXXX  and was cashed by  XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX  which was the date the collection letter was sent out. I informed  XXXX  &  XXXX  of this and told them they needed to go back to  XXXX   XXXX  to talk to them about payment. On Saturday,  XXXX   XXXX ,  XXXX  we receiv ed a more threatening letter from Harris & Harris w arning that they will send a report of bad debt to Credit Bureaus. I am absolutely upset by this because we told them the bill was paid and we continue to get more threatening letters. I plan on calling them again on  XXXX / XXXX / XXXX  to discuss this and also plan on calling  XXXX   XXXX   XXXX  to file a complaint however this type of intimidation is completely uncalled for when there is not debt to collect.