davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Resurgent Capital Services L.P. (OH)

I am the owner of a XXXX XXXX ( XXXX XXXX ), and I own all the share, and I am the holder of all the XXXX postions. I took a commercial mortgage out in XXXX with XXXX XXXX XXXX in XXXX, and we renewed every 4 years. In XXXX my credit rating went down, but I never missed mortgage payments to XXXX XXXX, yet I was sometimes late. I paid my original balance from XXXX to XXXX, and we could not reach a deal in XXXX, so XXXX XXXX XXXX sold my note to a company called cach llc. Cach llc then offered me a deal to pay off the note in 36 installments at {$1000.00} per month. I paid the note off in XX/XX/XXXX which was way ahead of schedule. Cach llc went bankrupt and Reusurgent Capital Services out of XXXX, sc ended up with my paid off note, and I think mortgage. I thought I was mortgage clear. I got an offer to buy my building in XX/XX/XXXX, and when the buyers title company contacted me I discovered my XXXX  had a mortgage lien. XXXX XXXX informed me that Resurgent Capital had the mortgage and the note. So I am sitting here with a chance to sell my paid off property and I have a mortgage lien which should been released in XXXX. Myself and the lawyer for the title company have called XXXX XXXX and resurgent capital services, and we have been bounced around from one person to the other, and we even sent certified mail giving them a 15 day notice, and letting both companies know the ohio law. Resurgent nevers gives us a contact person, and when we speak to someone they give us a first name, and you never get to talk to that same person when you call. Reurgent claims XXXX XXXX XXXX never assigned the note, and XXXX XXXX   said they can not release the mortgage. I do not want to lose my buyer. My loan is under my XXXX  XXXX XXXX XXXX. I need your help to tell these people to release my mortgage so I can sell my building. Reurgent agrees I paid off the note, and I can not understand why they are holding my mortgage and note, and XXXX XXXX is not cooperating. My buyers even gave me down payment earnest money.
Consumer complaint received 2020-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BARCLAYS BANK DELAWARE (CA)

I am an individual with perfect credit and have had my Barclays loan for several months without issue. 

Back in XXXX Barclays extended me a deferment due to Covid. And asked that I put a stop payment with my bank ( XXXX XXXX ) for the autopay that was setup. And advised the next payment would be due in XXXX. 

First week of XXXX, I make a payment online at Barclays, days later the payment shows as Barclays as posted. 
Then several days later I get another email stating another payment is due, I login and see that the XX/XX/XXXX payment is posted but another payment is due, so I go ahead and make a payment for that as well. 

Then in early XXXX, I get another email stating another payment is due. 
Even after I see online that XX/XX/XXXX and XX/XX/XXXX payments were posted. 

And now the system is also showing me past due. 

So I call barclays and do some more digging in the online system, only to find out that Barclays was showing incorrectly that XX/XX/XXXX and XX/XX/XXXX payments were posted, they had infact been returned. 

Barclays said XXXX XXXX had not honored the payments. 
I called XXXX XXXX and found out that there was a stop payment put in place since XXXX that had not been lifted, whereas I was under the impression that the stop payment was just put on there for one month. 

I went ahead and fixed this issue and made the payment. 

However, I have been marked late for the month of XXXX for my Barclays card.
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: State Collection Service, Inc. (IL)

on XX/XX/XXXX I answered the phone and was told it was state collections on behalf of advocate medical group. I had explained to advocate i had filed bankruptcy and was not paying the bills. I had then notified state collections. On XX/XX/XXXX I got a letter from state collections and had notified them once again I had filed bankruptcy. On XX/XX/XXXX state collections sent me a text message asking me to open the attachment that disclosed the same debt I have filed bankruptcy on. State collections has also obtained my new address i just moved into less than a week ago.. if they can tlo my address why can they not close this out for bankruptcy. This is harrasement and I did not give state collections permission to contact me via text message
Consumer complaint received 2020-06-17
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. (CA)

There are four accounts on my credit report that were opened on my behalf without my permission ; I was made aware of them today XX/XX/2020 because I applied to rent an apartment and I did not qualify due to these accounts reflecting badly on my credit report. The accounts are from the following companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any written/verbal contract with any of these companies nor am I affiliated to them in any way. I did not give these companies permission to access my credit information nor did I gain anything from the accounts that were opened with those companies such as money, goods, services etc. and I never made payments towards these accounts. I have filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-06-17
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. (CA)

There are four accounts on my credit report that were opened on my behalf without my permission ; I was made aware of them today XX/XX/2020 because I applied to rent an apartment and I did not qualify due to these accounts reflecting badly on my credit report. The accounts are from the following companies. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any written/verbal contract with any of these companies nor am I affiliated to them in any way. I did not give these companies permission to access my credit information nor did I gain anything from the accounts that were opened with those companies such as money, goods, services etc. and I never made payments towards these accounts. I have filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (GA)

For more than two years, I have submitted documentation several times to XXXX with information that substantially proves The XXXX  XXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, The XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly. 

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by The XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to The XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I made a transaction with XXXX XXXX online and the receipt said I would pay {$340.00}. I got charged {$340.00} on my credit card statement, which changed to {$690.00} later on. XXXX XXXX refunded me {$70.00} and {$170.00} which left a difference of {$100.00} remaining. I disputed the transaction and sent the receipt as evidence and got credited for the {$100.00}. Later, Back of America denied my claim and charged me {$100.00}. Their reason for doing so was, You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount despite me sending them a copy of the receipt twice. I want the {$100.00} charge removed.
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (NV)

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Experian, XXXX and XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-08-11
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. (VA)

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc. (AR)

This company Eastern Revenue Inc are harassing me for debt and reporting false information to the credit bureaus on which I have no knowledge. I have never heard of this company nor have I agreed to do any sort of business with them. I have no written or verbal agreements whatsoever with this company. I would like to give you information such as an account number for this alleged debt however as I have never done business with them, they have not provided me with such information.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I initiated a promotion with my Bank of America credit card, for a direct deposit to my checking account at a 3 % transaction fee with no interest for 18 months. A month later, I utilized the remaining available balance on my credit card with the same terms, as I understood them. I am now being charged a monthly interest rate on the second deposit, in addition to the transaction fee I was charged to initiate this transfer 2 months ago. I called customer service to resolve my concerns, for which I was told that the terms of my promotion were not available for the second request and that I was now responsible pay those interest fees each month as it was not part of a promotion. There is no way on earth that I would have accessed any available funds for a 3 % up-front charge, to have a 20 % APR accrue immediately. The most that the customer service supervisor has been willing to accommodate this so-called misunderstanding is to the tune of {$42.00} as a one-time courtesy, while these illegitimate interest charges continue to accrue. I am otherwise a loyal Bank of America customer, that is extremely disappointed in this recent lack of customer service and willingness to correct such an obscene " misunderstanding '' to this predatory lending practice, which is also contrary to my understanding of the agreement and promotion that was available to me. I have asked for the supporting documentation of this transaction, for which I have been told that the only record is on my statement which arrives a month later. This is not what I agreed to, nor is it an ethical lending practice - in particular when I was misled to believe I was taking part in a promotion, as I had done on the very same account - with the same terms only a month earlier.
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (MS)

IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE AS SOON AS POSSIBLE
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account below should be a zero balance. 

Item1 : XXXX XXXX XXXX XXXX Account : XXXX {$9100.00} Reported balance Highest balance {$10000.00}
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

MY COMPAINT IS WITH TRANS UNION XXXX XXXX XXXX XXXX PA XXXX. FOR WRONG REPORTING OF INFORAMTION. I PULLED MY CREDIT REPORT AND FOUND TRANS UNION AND XXXX  XXXX XXXX XXXX XXXX GA XXXX. IS REPORTING XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX. ACCORDING TO TRANS UNION THIS ACCOUNT LAST REPORTED IN XX/XX/XXXX. THAT NOT TRUE I STILL OWN THE CAR I MAKE MONTHLY PAYMENT ON CAR TO XXXX FOR {$400.00} A MONTH. ALSO THE REPORT AS OF XX/XX/XXXX IS REPORTING BALANCE WRONG {$12000.00}. THE LAST ACTIVITY OF XXXX XXXX THAT REPORTING WRONG.. THE HAVE ON THERE 48 MONTHS THAT WRONG. 30 DAYS WRONG 60 DAY REPORTING WRONG AND 90 DAY REPORTING IS WRONG. IS SHOWING 48 MONTHS THAT NOT TURE IS A 79 MONTH LOAN. THE REFUSE TO REMOVE THIS INFORAMTION. I SENT OVER DOCUMENT OVER TO CREDIT BUREAU THE WILL NOT REMOVE REPORTING. THE STATE THAT THE MAKE SURE CREDIT REPORT IS ACCURATE.
Consumer complaint received 2020-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SLM CORPORATION (CA)

On XXXX XXXX, I initiated a loan payoff for 3 accounts through offer I received from my XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX and XXXX rec 'd their wire transfers. Sallie Mae, online showed no payment made. On XX/XX/XXXX I called and they said they sent wire transfer of {$7500.00} back, even though my name and cust #  was referenced. They then gave me a physical address in XXXX XXXX and insisted that a paper check had to be sent there. On XX/XX/XXXX, XXXX XXXX XXXX  mailed it out. On XXXX I made calls again as Sallie Mae online showed no payment and now has increased what I owe by approx {$88.00} interest. Sallie Mae said that they do not receive payments in XXXX, had no idea why I was given that address, didn't know where the ck was and that a paper check had to be mailed to XXXX. So I told XXXX XXXX XXXX XXXX that and gave them address in XXXX that I was given, which I had checked and double-checked while I was on the phone w Sallie Mae. XXXX stopped payment on the first check. Today, XX/XX/2020, Sallie Mae called me and asked me to read the front and back of the check to them, a check that I have never been in possession of! I told them a new ck was being sent to PA. I checked the address with them and they then gave me a different zipcode extension number! Hopefully it is applied correctly. Sallie Mae is every time I call in talking to me as if I have a student loan even though every time I tell them it is a personal loan, give my loan #, plus the phone tree requires you to denote if you are calling about a personal or student loan. Over a month has passed and they now expect me to pay {$88.00} in interest. I am now paying interest to two different institutions on the same funds. I will call them and ask for a refund of one months interest. My email is : XXXX XXXX XXXX Thank you.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

Chase bank sold me a 12 day trip to XXXX for XXXX points ( worth {$10000.00} ), now it is impossible to use the trip as per XXXX 's XXXX XXXX XXXX you must be in isolation for 14 days upon entering the country and " A foreigner who leaves the country before the end of isolation with no special approval, violates the laws of the state of XXXX and his next entry will not be approved. '' ( https : XXXX ). 

So basically it would be illegal to take the trip, however, Chase Bank will not give me back my points.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

On XX/XX/2019 XXXX XXXX agreed to a settlement for a debt in the amount of {$6700.00}. They agree to debit my account XXXX on record from the XXXX XXXX XXXX XXXX. According the document supplied from XXXX XXXX XXXX XXXX they never attempted to withdraw funds on any of the dates according the agreement they prepared and agreed too. I recently found out the account was sold to Jefferson Capital Systems , LLC for {$19000.00} and it's being collected on their behalf from XXXX XXXX XXXXXXXX XXXX XXXX Now both XXXX XXXX and Jefferson Capital Systems , LLC are reporting me to all three credit bureaus in the amount of {$19000.00}. As a consumer both companies are trying to take advantage of me on behalf of the lender XXXX XXXX XXXX. I want this remove from all three credit reporting agencies and to consider this debt satisfied because I kept my agreement but the collection debt holders broke the agreement.
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

the college closed for fraud of students funding, I was not able to attend school but left with a defaulted loan, I have also got a freash start loan and reported the college to the department of education the information can be found on the inter net about the school decite they used my sss # in fraud and caused this error to appear on this account as owed by XXXX XXXX, And he being the the victim suffers from the false reporting agent and school reports of the record as true. I have reported thse agents before and nothing of as yet has been done about the issue with the school and the three credit companies trans union, XXXX, and XXXX  credit reporting agents, they are using my sss # without my consent in lure of fraud with the collage XXXX university .the information is on the internet that the school is a fraud, and closed down they have not reported this info and probley wont, because they skim the systems school district and get the students money, remove this false info its fraud done by the school its a big problem and they breached contacts and i reject them to hold any information of mine, they have no consent nor right the give this info to others, and please remove it within 6 days so i can move forward after this notice given again today
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX my son was in a XXXX XXXX ; resulting in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for verification search # XXXX in your web search engine ). This was immediately on the heels of my employer ( XXXX XXXX ) laying my off while on XXXX/XXXX  for XXXX   XXXX. 

As a result I struggled most of XXXX to keep up with my bills, but I was able to make minimum payments until I was able to get back to work in XX/XX/XXXX. Unfortunately getting back to work did not help much as it required me to work out of state for nearly a year. The added expense meant I was no longer able to make my minimum payments on my Wells Fargo credit card. 

I was making the minimum payments to the best of my ability and requested help with the remaining balance. Instead my account was closed and the debt was sold to a debt collection agency. I now have TWO agencies hurting my credit over their refusal to work with me.