davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (AZ)

I contacted XXXX XXXX  hospital to find a reference number to a claim that they have submitted and a collections that has been sitting on my credit report. They referred me to a number to call the collections agency. The collections agency found the account however it had a difference reference ID as well as a date that didn't make sense. I was XXXX XXXX from the XXXX XXXX as a XXXX  veteran JXX/XX/XXXX. The date for the visit was listed as XX/XX/XXXX however,the hospital stated that I didn't visit until XX/XX/XXXX.

Also, it stated that I saw a doctor XXXX (withholding name due to privacy) however, I just saw the same doctor 2 weeks ago (XX/XX/XXXX) and we have NEVER met prior. 

No matter the situation, combat veterans are gifted with 5 years of healthcare through the VA, so I am not sure why I was charged for a visit I never had. Even if I had it, it was covered under the VA health care system. I guess I am just 1 of 17,000 veterans who were skipped over as determined by the VA Inspector General in a report published XX/XX/XXXX. 

To summarize:
-If I wanted to pay the debt and have it removed, I couldn't because nobody has the account. No collections agency, no hospital, nobody.

-I was under the 5 years of health care (still am) from the VA system with the key terms being as follows: 
--"Eligible combat Veterans will have free medical care and medications for any condition that may be related to their service in theater."
--"Low or no out-of-pocket costs."

In one sentence; I have a medical bill in collections that I didn't receive services for, that I can't pay and shouldn't pay under federal guidelines and I can't get it removed off my credit report.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

Received an invitation from APPLE for the Goldman Sacks/Apple credit card and I unlocked my credit fill out the application which was denied. When I tried to ask why was denied it seemed that APPLE had no idea and was told that Goldman Sacks denied it. They told me that will receive a detailed explanation, but instead I received a general not applicable document in a pdf form with a generic application troubleshoot. ( ATTACHED ).

I followed all the steps and instructions to the letter.

Tried to reach Goldman Sacks but was not able to do it, and although I was told that I will receive a detailed explanation probably in mail by APPLE support nothing came!

As you heard by now, Goldman Sacks is using illegal techniques to discriminate and other people have complaint about it publicly too.

I need a detailed explanation from Goldman Sacks, about the Denial of my application for the APPLE card. I am entitled to it.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I contacted XXXX, EQUIFAX, and XXXX on multiple occasions to rectify these illegal transactions on my credit report that i did not authorize nor gave authorization to anyone!! hard inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION (VA)

I got BBVA Clear Points Credit card mail offer two times. It shows that I'm pre-qualified for a BBVA ClearPoints Credit Card. My reservation code is XXXX. Expiration date is XX/XX/2019. 
And there are three ways of application. Applying online, by phone or stop by a branch. I called BBVA on XX/XX/XXXX through phone and got an agent replying me I need to apply in branch because I'm not a XXXX XXXX. He told me I'm eligible to apply in branch since I got the mail offer. 
There is no local branch near my living place. Hence I drove to Alabama and apply in branch on XX/XX/XXXX. The branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX. The banker helped me is XXXX. At first we try to apply with the code provided. However, it keep showing invalid through their system. We contacted BBVA customer service by phone and it didn't help. After talking with bank manager, XXXX suggest me to apply without code and do a fax application. We did so. I don't get any application number or anything else. 
XX/XX/XXXX, I contacted BBVA customer service, they confirmed my code was valid. But they don't find any record about my application and told me to contact branch directly. 
XX/XX/XXXX, I contacted BBVA customer service, they told me the fact that branch and online department are using two different systems hence they can not help me at all. I also contacted branch and another agent told me XXXX was on vacation. They will contact me afterwards. 
Nobody contacted me. Hence I contacted branch again on XX/XX/XXXX. The manger was there and told me the application is stuck because they actually don't accept application for non-citizens. So my application wasn't processed at all. 

1. I did check the reservation code online and it did shows invalid. It's a invalid code from customer end. But XXXX customer service told me it's valid from their end. But the branch system shows it's invalid. It's a false promotion. 
2. There is no terms showing BBVA don't accept credit application in branch from an non-citizen. Actually the online application system explicit say " You must be a XXXX XXXX  to apply for a BBVA ClearPoints Credit Card online. However, you may apply at a branch. '' And the agent told me I'm eligible to apply in branch on XX/XX/XXXX through phone. 

I uploaded 4 attachments. 
1. BBVA Clear Points Credit Card Mail Offer scan copy 2. BBVA online application system showing the reservation code is invalid. 
3. BBVA online application system showing " This product is only available online for XXXX XXXX. If you are not a XXXX XXXX, please call us at XXXX. '' 4. BBVA online application system showing '' You must be a XXXX XXXX  to apply for a BBVA ClearPoints Credit Card online. However, you may apply at a branch. ''
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (TX)

This account do not belong to me. I disputed it XX/XX/2016 and it was deleted from my credit report. They keep putting it on my credit report. I sent a copy of the dispute showing it was removed from my credit to XXXX  and XXXX and it is still showing up on my credit report.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

I received a response to my Written Credit Dispute that was received on XX/XX/XXXX concerning my Account : XXXX. I wrote to further appeal the response and findings to request that Carrington Mortgage remove the 30-Day late payment that they had reported to  the creditors, based on the evidence I provide below and my second appeal was denied. 

In summary, I submitted a payment for my XXXX mortgage payment on XX/XX/XXXX, within the no late fee penalty timeframe. I submitted this payment from my mobile phone and accidentally entered the wrong routing number from XXXX XXXX XXXX  ( XXXX, which is indeed a routing number for Peoples, but not associated with my account ). Regardless, I received a message saying that my Submission was Successful. However, I DID NOT request that Carrington Mortgage save this information to my account on the webpage and I verified this with a manager who  spoke with technical services in a phone call on XX/XX/XXXX. FURTHERMORE, the technical department verified that when a payment is returned No Account/Unable to Locate that any saved information should be cleared by your system. This was not the case. 

When I learned that the payment was returned No Account/Unable to Locate, I logged into my account using my computer and paid using the Saved Account option on XX/XX/XXXX. I had used this saved account information to make all other on-time payments throughout the history of the mortgage. However, the incorrect information was erroneously saved from my previous attempt from when I entered the wrong routing number. In addition, the technical department also verified the incorrect payment information should have been cleared by your system. The technical department also verified that I indeed used the Saved Account Information on my second attempt on XX/XX/XXXX. 

I did not learn that this payment was returned until after the 30 day late timeframe on XX/XX/XXXX. I immediately paid the account when learning this information. I did not authorize this information to be saved from the prior attempt, and according to Carrington Mortgage technical department it should have been cleared, and thus this technical error caused my payment to be late. 

I am officially stating that this error was caused by the online software system saving my account information when it was not authorized and should have been cleared after the failed attempt and I made all reasonable attempts to pay my account prior to the 30-day late timeframe. I have clear records showing each attempt prior to the 30 days and have clear evidence that an internal system error caused this 30-day late payment. 

Carrington Mortgage is not taking any accountability for this error with their online payment system and has denied both appeals. This has significantly impacted my otherwise spotless credit rating.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am in the process of purchasing a home, however, there are inquiries on my report I do not recognize. I am a couple of years out of a bankruptcy and despite my improved credit, paying a loan off and monitoring my credit my score keeps going down from inquiries I do not recognize.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

I applied for a Chase credit card affiliated with United Airlines. I was sent an email at application that stated further review was needed. After 8 days I contacted Chase to inquire about the status. The automated response said it was still in review. I then opted to talk to a representative. The call was answered and I asked status and was told it was denied. I asked why and they wouldn't give me a reason. I stated I believed that there must be some type of mistake that they either had my income wrong or debt wrong, because I know my credit score is in the upper 700 's, I only have one other credit card with a larger limit, but paid in full monthly and a house payment. I know my debt to income ratio is 21 % and I have been in the same line of work for over 20 years. I happen to be a XXXX  XXXX and know there is no business reason that I would be denied, so there had to be an error somewhere in the application process. I said I assumed they were double counting my mortgage as I had recently refinanced and they could easily be double counting. The lady wouldn't respond in any way. I asked to speak to a loan officer or supervisor to try and resolve any possible issue and was asked if I didn't mind being called back and I replied that was fine. She said I would receive a call within the next 90 minutes and verified my phone number. I have never received a call back. I've been a customer of Chase in the past and all my accounts and all were handled as agreed. I've never missed or been late on a payment in my life. I understand if there was an error on my application, but the fact they wouldn't, wont, and haven't allowed me to address the issue, even after repeated attempts is a major problem. It is either a problem or they are discriminating.
Consumer complaint received 2024-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

Hello, My student loans were recently consolidated and placed on the SAVE plan. Aidvantage confirmed that the processing was completed and recently advised that my first payment is due on XX/XX/XXXX. In preparation, I'd set up Auto Pay for my account, to ensure timely payment. On XX/XX/XXXX, I received a notification from Aidvantage stating Auto Pay has been canceled for my account since payment is not due within 45 days. When I try to set it up again, a message states this can not be done since my account is not in repayment. Further, my account no longer shows any amount due on XX/XX/XXXX. Rather, it shows {$0.00} due on XX/XX/XXXX. My loan details show " Awaiting Form Administrative Forbearance. '' I was never advised of any forbearance being placed on my account, nor was any information requested from me. My most recent correspondence with Aidvantage is their confirmation of the SAVE plan, my payment amount and due date. On XX/XX/XXXX, I sent a message to Aidvantage requesting clarification. No response has been received. I am now unsure as to when payment is due and confused as to why I can not set up Auto Pay to ensure payment is timely. 
Thank you in advance for any assistance in resolving this matter.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TN)

I applied on lending tree to get information on a home loan. I requested that Loan Depot stop calling me twice via phone calls. I'm on the do not call registry, I double checked after I told them to stop calling.. my number has been on it since XX/XX/XXXX. I told them Yesterday at  XXXX Eastern time and XX/XX/XXXX at XXXX Eastern time to stop calling. 

Between the first time and the second time i told them to stop calling they have called on XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time After the second time ( last night at XXXX ) they have called me again this morning at XXXX ... i'm sure i'm going to get 4 more calls today. They can't just keep calling me after I ask them twice to stop, right? This is insane.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

To start from the top I had taken the mortgage forbearance offered during COVID by my loan servicer, LoanCare - approx. 13 months +/-. At the end of it ( XX/XX/XXXX ) I submitted the necessary paperwork to see what options I had and entered into the trial period of making mortgage payments again. 
During this time I received an email from MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY ( MSDHA ) about their new pilot program Michigan Housing Assistance Fund ( MIHAF ) with the goal of it to bring mortgage payments current to those who qualify. I submitted the necessary paperwork around XX/XX/XXXX and then by XX/XX/XXXX I was alerted that I was DENIED in the MIHAF portal due to me being in a loan modification. At that time I had no idea nor had I received any paperwork related to a loan modification from LoanCare until AFTER this denial- approx. the last week of XXXX XXXX. 
In the MIHAF denial it referred me to one of the MSHDA agencies for additional questioning - NO APPEALS process at all was mentioned. I spoke with MSU EXT., a MSHDA agency and I had a terrible experience with them and things were dragged out for over a month. Even if I did decide to take the loan mod at that time I missed the low interest rate window by that time. 
After continuous back and forth with MSU EXT for almost 2 months, they were finally able to find the official appeals process for MIHAF which was an email address. I submitted my appeal on XX/XX/XXXX. I did NOT receive any response or communication from them regarding the appeal. I even requested call backs from management and nothing. I emailed the XXXX mailbox one more time back in XX/XX/XXXX, still NOTHING. 
By this time I gave up and agreed to start the process again with LoanCare, to which they had to do all of the paperwork again. I had to do 3 months of trial payments again which started last XXXX to XXXX. I received the modification paperwork in XX/XX/XXXX and finally agreed and signed the first week of XXXX. 
A week after signing, I received a message from the MIHAF portal saying my XXXX is approved - XXXX XXXX XXXX. I spoke with an agent and she gives me the details of my account stating that they accepted my appeal in XX/XX/XXXX and REQUESTED the back payment info from LoanCare but NEVER heard back from until XX/XX/XXXX, which is just a few days after I signed and agreed to the loan modification. 
I spoke to both LoanCare and MIHAF on XX/XX/XXXX - MIHAF says they approved to release the funds and bring my account current on XXXX. LoanCare says they objected to the funds on XXXX because I have accepted the loan modification. 
MIHAF has escalated to review this.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I bought items with my Chase credit card on Amazon for {$86.00} I returned all items to Amazon.They given me a gift card instead of putting on my Chase credit card as a negative.Spoken and sent all information to Amazon and Chase not resolved with both parties. I never asked for a gift card they just automatic given me a gift card they are forcing me to spend my money with them ( Amazon ) .I want a credit on my credit Chase card.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (FL)

XXXX is reporting a debt on my credit report although notices were sent stating that the debt should not be in collections yet. I was sent four separate debt notices by the company XXXX XXXX and their affiliates. 
The first notice received was on XX/XX/XXXX from a company called XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX, but no response was received from XXXX XXXX. 
The second & third notices were received on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX sent both of these notices. The notices stating that a debt was due by XX/XX/XXXX, but mentioned nothing about a debt collection being reported on my credit. The debt notice was answered on XX/XX/XXXX. A debt validation letter was sent to the company but no response was received from the company. 
The forth notice was received on XX/XX/XXXX from a company named Convergent outsourcing, Inc. Once again this letter showed a debt balance but explicitly states that this debt will not be reported if written notice is sent to XXXX XXXX XX/XX/XXXX. A debt validation letter was also sent to Convergent on XX/XX/XXXX. 
I currently have a debt collection on my credit showing that the company XXXX XXXX closed an account that they say I owe. The closing date is XX/XX/XXXX. How is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the debt can still be paid until XXXX XXXX XXXX? Also how is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the information will not be reported on my credit unless I do not respond to them by XX/XX/XXXX? The notices were answered by the consumer on time and the debts were addressed/ attempted to be resolved. XXXX XXXX still decided to report negative information on my credit even though contact was made to try to resolve the issue.
Consumer complaint received 2019-07-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I have an auto Loan with XXXX XXXX XXXX XXXX. I initially purchased my car as a lease. I then brought the vehicle in XXXX upon the end of my 36-month lease and received an auto loan from NMAC.

I was going through some hardships and fell behind on payments. On XX/XX/XXXX my car was repossessed by XXXX. I was able to make the necessary payment of {$1700.00} and retrieved my car the same day. Included in the payment amount was a {$420.00} fee for car storage - even though my car was not even stored at the storage facility for more than 5 hours. NMAC also charged an additional fee of {$450.00} - with no explanation, added to my monthly statement for XX/XX/XXXX. Recently upon logging into my account - I have noticed that the XX/XX/XXXX Statement was not generated and is not accessible to view I later received notice that one of my credit card accounts was being closed because upon the performance of a credit refresh the lending institution noticed a REPOSSESSION on my credit report. This is how I was made aware that a repossession was reported to the credit bureaus from NMAC. Upon receiving this update, I contacted NMAC to get an update as to why that would even be on my credit report - when my car was not repossessed. In fact, my car is in my possession and I continue to make my monthly payments. NMAC transferred me to many representatives that seem to not be able to assist or provide a solid response. The last representative I spoke to in regards to this subject informed me that NMAC was not going to make any updates to remove the repossession from my account and that was not their responsibility. They explained that my car was in fact repossessed. I asked that a manager contact me and I have not, until this day, received a response or a call from anyone at NMAC to address this matter.

I am looking for proper guidance and assistance to have this false and derogatory information removed from my credit report. 
Please Note : I am in the midst of contacting the reporting agencies so that they are aware and help me reach amicable resolution with me organization. 

Thanks in advance for your help!