davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (HI)

XXXX XX/XX/XXXX I request assistance removing an ERRONEOUS COLLECTION from my XXXX  Credit Report @ ( XXXX ) XXXX. 

I underwent XXXX on XXXX XX/XX/XXXX, >2 years ago, to correct XXXX  XXXX  in my XXXX  XXXX  at XXXX XXXX XXXX, authorized by VA XXXX Consult # XXXX. I am a medically service-connected veteran covered by the VA. 

The VA paid for Claims to two physicians : XXXX  Dr. XXXX XXXX ( XXXX ) XXXX and XXXX  Dr. XXXX XXXX. The VA said payment was accepted and therefore considered payment in full. They did not pay XXXX XXXX XXXX. 

XXXX XXXX XXXX ERROR Today, XXXX XX/XX/XXXX, I discovered XXXX XXXX XXXX -- who provided the Operating Room -- sent their Claims to the wrong address : XXXX ( an incoming vendor ) instead of the VA Claims address. The VA called XXXX XXXX XXXX at ( XXXX ) XXXX and advised them to resubmit the Claim AGAIN : The first request was on XXXX XX/XX/XXXX. 

XXXX XXXX XXXX said that they were working on my account to stop COLLECTION by Aargon Agency. However, Aargon Agency refused to stop COLLECTION on my account. My credit score dropped nearly 100 points in XX/XX/XXXX. 

Today, VA XXXX XXXX called both XXXX XXXX XXXX and Aargon Agency ( XXXX ) XXXX [ COLLECTION ACCOUNT # XXXX ]. 

THE RESULT? 
The collection is still on my XXXX  Credit Report. I filed the seventh dispute today. 

Additionally, XXXX XXXX XXXX is still trying to collect for XXXX despite accepting payment from the XXXX VA XXXX XXXX XXXX Aargon Collection Agency that "  Balance Billing '' [ charging me individually for the difference in payment schedules ] is illegal. 

Thank you for your attention in this matter.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I am trying to use the XXXX application to access my unemployment benefits before they arrive. All they need is for my bank to connect so that they can confirm that I am getting the money they are to lend to me. It is urgent that i receive this money sooner than later.
Consumer complaint received 2020-09-18
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. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. 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 check 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 2020-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (DE)

Debt collection was placed on my credit report. The debt is not mine. They called and when I asked to confirm the medical insurance account associated with the debt, the number dis not match my own. This is not surprising due to the fact that the time the original supposed debt was occurred I was still on my parent 's medical insurance and the only XXXX I had near the time was paid for by them, not me. If this is somehow a debt my father owed, he is dead, also I combed his records and no such debt existed. 

I have looked up the company the debt originated from and this collection agency and all signs point to this being a debt collection scam so I have no intention of contacting them as I feel they can not be trusted.
Consumer complaint received 2021-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/21 I went to www.chase.com/prequalified to see if I qualified for the Chase Ink Card. The site specifically says that " the process of checking to see if I have an offer will not affect my credit score. '' ( Please see attachment ) I followed the prompts and my credit was pulled lowering my score on XXXX and XXXX by 8pts ( please see attachment ). I attempted to call Chase to get this matter resolved and was initially told that the URL I was referring to didn't exist. When I finally directed them to the specific URL on their website they then told me that I misunderstood the process. I notified them that I had successfully done the process on their website a month prior when I was approved for another card and that I was in fact very familiar with the process. At this point, they said they were going to forward me to a supervisor but instead sent me to a fax line. This has had a detrimental impact on my credit and I want the inquiry removed immediately.
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-18
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: AMERICAN EXPRESS COMPANY (WV)

On XX/XX/2021 I realized American Express had suspended my ability to redeem reward points. I contacted customer service and inquired about the reason. Both an online chat representative and a phone representative were not able to provide information about what triggered the suspension of my account. The only information that has been provided is : " We are currently reviewing your account to ensure that you have complied with our terms. We have suspended your ability to redeem. If we determine that you didn't comply with our terms, we may reverse your Welcome Bonus ( if applicable ) or take further action on your account. '' I currently have over {$800.00} worth of rewards that are suspended and, despite attempts, have not been able to contact someone at American Express that can explain why the account is suspended.
Consumer complaint received 2018-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

In XXXX of XXXX I reapplied for a rate reduction program that lowered my interest rate to continue a monthly payment I could afford. In XX/XX/XXXX I lost my job and was accepted into an XXXX XXXX so I could begin an effort to seek more lucrative employment. 

When I realize I would have to temporarily stop payments due to having NO MONEY coming in, I called to request a pause. The representative on XXXX XXXX told me that not only would they NOT pause my payments my rate reduction plan was ending so my payment would increase and I would only be able to call back the following month to even re enroll in the program, leaving me subject to a higher payment. I requested the amount of the higher payment and due date but was denied that information and told to call back. 

I had two autopayment verbally authorized monthly that I was trying to make sure were no longer in play on this XX/XX/XXXX phone call and was repeatedly told to call back to do anything. On XX/XX/XXXX, Navient illegally cleared out my checking account for a payment of {$700.00}. My previous authorization had only been for theXXXX of the month for two payments of {$60.00} and {$310.00}. Under no circumstances did I agree to pay {$700.00} via auto payment on the third of the month. 

Additionally, when I called on XX/XX/XXXX, I was asked yet again, for above the XXXX time, for my co-signer who died in XXXX. Upon his death I immediately submitted his death certificate and all required information. I supplied this information 3 different occasions and their continued ask and incompetence regarding this issue continues to create emotional stress each time. 

When I requested a refund I was told the process would have to be reviewed because my account was technically delinquent, despite having set up payments that I could afford ; NO MENTION OF INCOME BASED REPAYMENT, and flat out denial of pausing payments. Dealing with this company has continued to cause me undue stress while I have made every attempt to continue to pay despite my financial situation. I have been threatened with default, despite consistent monthly payments for years ; I was also told by the collections manager, XXXX XXXX who reports to XXXX XXXX, that I agreed to higher payments at the end of the rate reduction program or they wouldnt have enrolled me. I was not given a single chance to communicate my income changes and I did not authorize any direct debit from My account aside from the two amounts on the XXXX of each month. They have illegally taken my money and are trying to blame me for it despite my continued efforts to contact them. PLEASE HELP, these people are vultures.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellar Recovery, Inc. (AZ)

I noticed that there was a new collection account on my credit report and when I went through the information I noticed this was not actually a new collection account but an account that was transferred to a new collection company. The company is Stellar Recovery and the original creditor is   XXXX   XXXX  . The amount is {$460.00}. This debt had previously been reported by   XXXX   XXXX   starting in  XX/XX/XXXX . Stellar Recovery is reporting this as a new collection. I contacted Stellar on Monday  XX/XX/XXXX  in order to have them fix this information and they said because they just received this account it is a new collection. I contacted   XXXX   and  XXXX  on  XX/XX/XXXX to have them look into this information and they told me they could not help me. On  XX/XX/XXXX  I contacted the CFPB and they told me to file a complaint. I feel that this is an attempt to reage this account as the account numbers were also changed and it is being reflected on my credit report as a new account even though this debt had been previously reported on my credit report through another company. I need help with this and having this information corrected as my credit report dropped  XXXX  points for this account and wrong information.
Consumer complaint received 2020-05-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amcap Investments, LLC (TX)

My husband and I are currently in a right to purchase agreement with our landlord, and we wanted to buy the home from them. We decided to apply for a mortgage loan in the Early part of XXXX with Gold Financial Services. We did application process and we were pre approved for a loan. We sent the necessary paperwork over, and began the process. After careful review of the paperwork, we decided to use my credit score and information for a better rate etc.. The loan officer at that time told us that FHA was the only loan that I qualified for without the use of my husband ( XXXX and his CPA was still working on his taxes ). USDA was out because of income. He never mentioned a conventional loan or any other types of loans to us. I asked him did student loans count and was told NO. My husband was present. I was not made aware that with FHA your student loans had to be 1 % of the payment to qualify. I found out at the very last minute after I had to jump through many hoops and produce letters many times a couple days before closing at end of XXXX. I have text messages from the loan officer telling me at the last minute about the FHA loan policy and then he advised me to sell my car to my husband to reduce my income to debt ratio a couple days before closing. These unforeseen circumstances caused my family and me financial hardship. We are now having to pay a higher rent fee because we missed to the deadline to move out of our current home. The loan officer and branch manager breached their fiduciary duties.
Consumer complaint received 2021-01-25
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. (VA)

I disputed that the date was wrong on my bankruptcy were wrong with Experian and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

Sent letters to credit bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt. 

company updated credit report " verified '' without providing proof of debt
Consumer complaint received 2021-07-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NJ)

I saw a debt collection on my credit report from XXXX and credit collection services I never got any letter or anything to verify this amount or who did it!!!! 
I called XXXX they told the account is now with collection so I went to talk with the collection company I couldnt reach to anyone phone or mail. Please I do need help to get this away as theres something wrong with this and how they refused to verify the account to know who did it as I never been to any dr the past 3 years and I do have private insurance and you can see the history for dr visits. 
Please my complaint is the collection company has no way to reach or communicate and XXXX told me to check with the collection company as this account went to them and refused to verify disputed debt.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

This account was settled by XXXX because item ordered didnt work. I mailed items back. Amount was removed, but somehow got sold or sent to portfolio recovery. The disputed amount is XXXX. I can not get anything accomplished. Please help me.
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (CA)

Equifax and XXXX  a for y experience the worst companies on earth. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a XXXX  business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I used the Bank of America XXXX XXXX, Texas location ATM to deposit {$8000.00} cash. The ATM would receive a maximum of 40 bills, so I made two transactions. 1 transaction went through and credited my account {$4000.00}. The second transaction did not process and the {$4000.00} was taken by the ATM. I immediately went inside to discuss with the branch manager. He instructed me to call to report it. I called, made the report and got a claim number. The bank issued me an immediate credit for the missing {$4000.00}. On XX/XX/XXXX, I got a message from the bank that my case was closed and the credit was permanent. On XX/XX/XXXX I received another notification from the bank that the credit was being reversed and no reasoning was noted. I called again and the bank is looking into opening the case again. I requested them to check the ATM reconciliation as well as review the video from the ATM that day. No resolution yet and I am currently out the {$4000.00}
Consumer complaint received 2020-09-18
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. 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 check 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 2017-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NH)

On XX/XX/XXXX, I received a voicemail on my home phone with only a phone number to call back. I researched the phone number to XXXX XXXX so I sent them a validation letter on XX/XX/XXXX. I received their " verification '' letter on XX/XX/XXXX. It was dated XX/XX/XXXX and stated that the debt was valid and attached verification of the debt. The attached verification shows a forwarded balance, my name, and an account number. I remember disputing this alleged XXXX debt back on XX/XX/XXXX, but it was with a different company, XXXX XXXX XXXX. I have my credit reports from XX/XX/XXXX in which I marked when I disputed it on XX/XX/XXXX. Then I have another credit report where I marked it that it was removed on XX/XX/XXXX. I have an XX/XX/XXXX XXXX report and that account is no longer on there, as it was removed in XX/XX/XXXX. When the alleged debt was on my XX/XX/XXXX credit report, it showed that the " account is scheduled to continue on record until XX/XX/XXXX. ''
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I filed a dispute with the credit bureaus that this account is incorrect. XXXX XXXX XXXX is stating that I have a balance of {$370.00} from Synchrony Bank. I have informed them numerous times that this account was paid in full years ago with Sam 's club   but yet XXXX XXXX continues to report it. I called them to request a payment for deletion letter to just be done with this and get it removed from my credit report to which the agent XXXX XXXX stated that he can not discuss any payment options with me via the telephone. I am requesting that XXXX XXXX get an update account information from Sam 's club and remove this collection from my credit file. If they still state that I owe money, I am requesting that they submit to me a payment for deletion letter so that I can pay whatever they fraudulently think that I owe have this removed from all credit reports! The account original # is XXXX. The XXXX XXXX XXXX account # is XXXX.