davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

On XXXX XXXX i filed a complaint/dispute with Experian in reference to a state tax lien that is being reported on my credit file. The lien has been deleted from the other XXXX credit bureaus as coming back as unverified from the state. Experian stated in their response to the XXXX/XXXX/16 dispute that you would respond by 30 days. 
you never supplied me with a response on the CFPB portal where the complaint was initially filed, but you stated in the initial response on ( XXXX/XXXX/16 ) * At your request to begin an investigation, we are in the process of contacting the public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. * A debt should be validated from the state that filed the lien not a PUBLIC RECORD VENDOR! thats how you choose to keep reporting but no other bureau will report it because it has not been verified by the state! A public record vendor can not be the one verifiying this debt- its against my rights to have someone/vendor verify a debt that is being reported against me. especially when they do not and can not supply any proof or documentation that indeed this debt is mine
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. The incorrect names are causing issues with my identity and there are several addresses listed that are not mine because none of the information is correct I am being denied credit due to it not matching. The credit bureaus assumed a role and under federal law they are required to report 100 % accuracy.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc. (MD)

In XX/XX/XXXX I spoke to a representative of the company ( XXXX, XXXX. ) to establish payment terms for Connecticut State income taxes. We agreed to the amount of {$200.00} per month. The last payment, according to the rep would be final on XX/XX/XXXX. I received a number of confusing statements with amounts that did not match the agreed terms. I called several times to ask for clarity and was told the statement had not caught up with the payments and I was up to date. On XX/XX/XXXX I contacted them again. I spoke to a representative named XXXX. When I asked him about the final payment made XX/XX/XXXX he informed me that I had an outstanding balance of {$320.00}. I asked for further clarification on was told to contact the CT IRS and provided me their contact number. I was confused by this however I contacted CT IRS on XX/XX/XXXX to review the case and they informed me that I was up to date and there was still an outstanding amount due. They indicated I owed a different amount then I was told by XXXX, XXXX. I was referred back to the collection company to resolve the issue the debt was in their hands. I called XXXX, XXXX on XX/XX/XXXX asked for XXXX and was told he was not available and someone would call back in 24 hours. I did receive a call and called XXXX on XX/XX/XXXX and asked to speak with a supervisor and was informed that none were in at this time. This was about XXXX XXXX and I informed them I expected a call within 2 hours or I would be contacting the CFPB with a complaint. I did not receive a call to date. I am confused and feel I deserve to better understand how to resolve this issue. Your help is greatly appreciated.
Consumer complaint received 2016-01-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (TX)

My account was NEVER late and was paid in full ON TIME after an accident that totalled the car. My insurance sent in settlement and Credit Acceptance Corp GAP insurance covered the balance. This was verified at the time it was happening. Recently upon pulling copies of my credit to find out why I was having issues, it was discovered that Credit Acceptance had marked the account as 'Derogatory ' and 'Payment after charge off/collection Paid collection '. 
I made contact with them recently which the customer service person saw that the account was indeed paid as agreed and never late, and claimed to forward the information to another department. I have received NO communications since then.
Consumer complaint received 2017-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This company is reporting a debt on my XXXX credit report that is not mine. Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX. I have made a written request to this company three times asking for a copy of a signed application and information pertaining to the good and services that have potentially been rendered or received for this alleged. To this date, i have not received any additional information to verify this debt belongs to me. This incorrect information is impeding progress on my ability to obtain financing for a home loan and i would like it to be removed.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MA)

I signed up for a Chase Sapphire Checking Account with a promotion that I would earn XXXX Ultimate Rewards Points upon Qualifying activity, but they did not honor this promotion. 

Upon opening the account, I was informed the promotion had changed to {$750.00} ( not XXXX points ). There is a value difference of {$370.00} here. I spent hours on the phone trying to resolve in XX/XX/2019 and was told there was nothing anybody could do. 

On XX/XX/2019 I still had not received any promotional value, so I called Chase. 

Qualifying criteria was a {$75000.00} deposit. I made this to a linked investment account. However, the representative told me this was not a valid way to receive the promotion. The terms and conditions of the promotion indicate otherwise ( quoted below ). They were unable to resolve. 

The promotion criteria reads : " Within 45 calendar days, transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for 90 days. ''
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mutual Management Services LLC (FL)

While renting a property unit from The XXXX XXXX, I was required to give 30 days written notice before vacating. I did so. The XXXX XXXX did not acknowledge the XXXX days I gave them and they put my account in collections with XXXX different collection companies. The company called Mutual Management in XXXX, FL has been reporting my account in collections even though I have provided proof of cancellation well over the 30 days their client required. It was also noted that their client did not apply any of my Security Deposit to this alleged debt. Mutual Management has been unresponsive and will only speak or communicate with me if I pay their fee.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital One credit card ending in XXXX which was opened years ago by my ex-wife. I assumed liability, paid the account off in full and for the last 2 years I have requested that the account be closed to no avail. At this time, I have been charged two annual fees, to which I paid last year but am not willing to do so this year as I have requested numerous times for the account to be closed. Currently, I now have a collection company that has been engaged and that hit my credit report for the unpaid annual fee for a card I have requested to be closed. I am demanding the following immediately : My account closed immediately The annual fee removed All applicable late fees associated with the fee My credit reporting fixed And a recall of the collection company and again that they remove ALL reporting on my credit report. 


To put it nicely, I should not have to asked for over two years to have this card closed and suffer a XXXX point drop on my credit score due to the fact that you will not simply close the account as per my request and right to do so. 

Additionally, if a client calls and is advised that someone will follow up with them, customer service protocol should be a follow up not sending a damned collection company a bill to collect for a fee that should not exist.
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

Took daughter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. 

Received bill from XXXX and paid bill. 

Received surprise bill from XXXX XXXX XXXX XXXX. Explained to them that XXXX was paid directly and under Texas law they would have to settle any additional bill through XXXX. 

" Bill '' was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX Have never heard of this business, nor was I informed that anything was referred to them. 

Then XXXX XXXX XXXX sends fictitious bill to Phoenix Financial Services. 

I disputed the results of them placing a collections on my credit report. The disputed item was deleted. 

I consider continued efforts to collect on this item when it has been paid to the ORIGINAL creditor, which is XXXX XXXX XXXX XXXX and when the item has been previously deleted from my credit report to be a form of harassment. 

This item needs to be removed once and for all from my credit report and these accounts need to be closed. I want letters stating that this item has been resolved and these accounts have been closed. 

Under Texas Senate Bill 1037, consumer credit reporting agencies are now prohibited from including medical debt collection accounts in consumer reports.
Consumer complaint received 2019-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC (AZ)

Was making payments monthly. Was never given another bill hence didn't pay and didn't think any other amount was outstanding. Never received another bill or invoice nor any document indicating further attempts to collect debt or pay bill otherwise would be sent to collection. Never obtained even 1 bill or invoice from this collection agency. Only now saw it showed up on my credit report XXXX XXXX XXXX/CAPIO XXXX XX/XX/19 XX/XX/19 / {$1100.00} XXXX {$1100.00} XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I currently am behind in my mortgage payments and have submitted an application to be considered for a loan modification. I have provided all documents requested to be considered for assistance but I have a foreclosure sale scheduled on XXXX/XXXX/15. My mortgage company is saying they dont have enough time to complete the review and that my home will go to sale. I need help getting this sale date postponed.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (VA)

I was in contact with XXXX  regarding a Public Record listed in my consumer file. XXXX  stated LCI was the source of information. After multiple calls I finally got the chance to speak with a XXXX XXXX on XX/XX/20. Regarding the public record which contains an Chapter XXXX Bankruptcy. I requested the source of information I was told they do not provide that information. I asked for any file they had on me I was told I needed to contact XXXX. 

LCI Is furnishing inaccurate and incomplete data on my behalf and refuse to update the information. The courts do no provide such data to any 3rd party agencies. Pacer system is not FCRA regulated thus the information that has been reported is illegal. Also pacer is a limited system which a company is not able to properly Identify any individual with only the last 4 digits being available. 
All furnishers of data has an obligation to report true and accurate information. and LCI has failed to do so. LCI did not take the proper steps to ensure the information they collected on my behalf was true and accurate. 
Per FCRA I never gave LCI in Writing nor Verbally consent to furnish nor collect information on my behalf. This also constitutes a violation of my consumer rights.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Professional Debt Mediation, Inc. (FL)

I wrote to the credit bureaus and explained to them that where I lived they never properly explained that I was going to be liable for the debt. That they only listed me in the apartment lease because I was older than XXXX. I explained to them as well that I never paid anything while I was there I had even said prior to moving out of there that I was going to move and the manager said that it wouldnt be a problem because I was never going to be liable. Later on I found out that in fact I was held liable just like the people that live there that moved out of the place without paying and it affected me horribly because til today reports on my credit report as a collection.
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc. (GA)

Stallings financial Group of XXXX Georgia put an erroneous collection item on my credit report. I disputed this through XXXX and the collection agency reaffirmed that I owed the debt. I contacted the original creditor, spoke with their business office and billing service and both confirmed that I was not in their system. I attempted to contact Stallings Financial Group and was unable to reach any individual. This collection agency is located as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX. 

I noted that several other people have had similar experiences with this collector.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (FL)

Detailed explanation on denial when I receive no denial letter whatsoever and only minimum information was requested to be provided my drivers license was not asked for nor previous addresses nor can you resubmit a application with your previous provided information at a later time if specific reasons are not provided for why inaction took place in regards to a consumer account a consumer would be unable to understand what the issue is in one either fixing and removing the issue at hand effectively being unable to clear it up with consumer bureaus or the information may be completely inaccurate and associated to the wrong file and the consumer would never know what the issue is. The reason could even be a unable to identify file based on the address since they do not ask previous address. Regardless I feel that this institution picks and choices who it allows to become members and that I also feel that could be discriminatory in nature you can not provide a generic denial or generic security issue message and not follow up with additional information that doesnt follow the standard practices of consumer law. More especially I feel when your income is able to be verified by banking consumer agency softwares such as plaid where you can type in your financial institution credentials and they can see your current activity in the bank to see that your income matches what was provided and to see you have little to no security risk. 

Dates event occurred as I contacted chime on numerous occasions by social media and email either getting a generic response or no follow up whatsoever XX/XX/2020, XX/XX/2020, XX/XX/2020 I feel I am being discriminated against as Im not being allowed to know why exactly this account is not being granted nor am I able to provide proof to overturn whatever theyre system is saying.
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony denied on-line credit for Care Credit product in XX/XX/XXXX and on XX/XX/XXXX and XX/XX/XXXX for a XXXX XXXX. These products cost approximately {$2500.00}. In all three cases an on-line generated denial was provided indicating only a credit score of XXXX. See attached file. 

In all three cases, no letter was sent to me from Synchrony Bank indicating the reason for credit denial. I believe this is in violation of the Fair Credit Reporting Act. 

The result of the denials, my credit score has suffered as a result. As of XX/XX/XXXX, no letters have been sent to me regarding this matter. Additionally, Synchrony Bank is not using my latest credit score from XXXX. The XXXX score they communicated on-line has not been current in several years. It appears Synchrony Bank is not purchasing credit history on a frequent basis or are unwilling to communicate why they used a XXXX credit score.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (NY)

I'm unsure about why this company is calling me. They stated they were from Commonwealth Financial and asked to speak with me. Once I identified myself they asked me to confirm personal details including my SSN. I informed them that I would not disclose any personal information unless they told me why they were calling. They refused to do so. I am not familiar with this company and thus I do not know if they are calling about a debt or if this is a scam. I told them as much before they hung up on me.
Consumer complaint received 2016-06-15
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SUNRISE CREDIT SERVICES, INC (IL)

I received a call at XXXX on XXXX/XXXX/16 from Sunrise Credit Services XXXX The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from XXXX XXXX Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from Sunrise Credit Services. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (CA)

I used my credit card the first time ever. I received the first statement from Bank of America to make the first payment. Upon receiving that statement I paid the balance in full. I have never used the card since. I received an update on my credit rating which informed me that I had a 30 day late reported on my credit history. This brought my scores down significantly. I called Bank of America to dispute the 30 day late on XX/XX/2020, the gentlemen I spoke with was helpful and stated they would remove the 30 day late from my credit rating. I received a letter in the mail about a week later from Bank of America asking me to call them regarding the inquiry. I called and spoke to an associate named XXXX. XXXX and her XXXX informed me that the late would be removed within XXXX days. I called back again today to check the status of the removal. I have now talked to XXXX and her XXXX XXXX and her XXXX XXXX who is now stating they are not willing to remove the late from my credit rating as I should not have been told it was going to be removed. I asked them to pull the recorded conversation from XXXX, XXXX 2020 and listen to what their associates told me. They refuse to do it and now are telling me there is nothing they can do to help me. XXXX is the last person I spoke with and his XXXX # is XXXX Thank you for your help in this matter.
Consumer complaint received 2019-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

I attended a school by the name of XXXX XXXX XXXX in XXXX, Texas ( XXXX XXXX XXXX ) that was closed in XX/XX/XXXX due to financial aid fraud. I graduated but due to the national scandal that was uncovered by the state of Texas and US Department of Education, that cerificate is not honored anywhere, and it's personally wrecking my life by attacking my credit. I have tried since then over the last nine years to get this removed from me and was just made aware that President Obama signed a law that loans of this type were supposed to be wiped out. If I can get some help to make FED Loan Servicing cooperate with me to get the XXXX portions of loans removed, that would change my life. I attended the school from XX/XX/XXXX to XX/XX/XXXX.