davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Prosper Law Group (AZ)

I was in a XXXX group called XXXX XXXX XXXX XXXX, which acts as a basic do it yourself credit repair group but in reality it 's mainly for lead generation. In the group it was stated when a question was ask if you have a right as a consumer to see the letter being sent out on your behalf to the credit bureaus, XXXX XXXX XXXX it was emphatically stated it was by a XXXX XXXX. This was one of the reasons I was interested in signing up with them so I could track when letters went out and what was the substance and to make sure I agreed with them on how they were asking for verification/validation. I had a previous bad experience with another company in years past and it was a good one, I basically got ripped off. After signing up with a XXXX XXXX and after a round of letters went out I requested a copy of the letters and I was informed they do n't give those out because they were proprietary and they would be put out of business if they gave them out. I offered to sign an agreement that I would n't give them out for others to see or post them on XXXX or any other social media site. They said they took it to the top lawyer and I was told the same thing even though I told them I signed up basically on that premise. I later found out it 's who you get as your credit coach determines who receives letters and who does n't. I could n't believe I could n't get a copy of letters that went out with my name on them, no where in the contract does it state this exclusion. Apparently XXXX, will give them to his clients but others wo n't. I tried to sign up with XXXX but he never returned my text so I signed up with XXXX XXXX. My credit coach seemed knowledgeable but it was obviously from the beginning that others were assigned the work. I confirmed this the second time I requested a phone call meeting with him and he had no knowledge of my situation as he said several things that did n't apply to me or not what we talked about, he seems confused as to my situation. I was later told by XXXX XXXX I needed to sign up for their upgraded plan that costed more if I wanted better service. Needless to say I was disappointed because the conversation that we had at the beginning know was acceptable and I needed to spend more money each month. They wanted me to go from XXXX a month to XXXX a month. I was told by XXXX in an email I could either upgrade or cancel my service with them. At that point it was an easy decisions. I basically spent XXXX but told I would need to spend more to get better service. Also, my credit seem to get worse not better with several accounts in good standing now showing up as being disputed.
Consumer complaint received 2020-05-26
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX continues to report my account late monthly to the various credit agencies. 

The student loan account was charged off and I was told would be sent to a collection agency. The agreement was that to avoid being sent to a collection agency, I can pay XXXX XXXX the monthly agreed upon payment directly at a reduced interest rate. 

Ive been paying them approximately {$200.00}, as agreed, monthly over the last two years, never late during that time. However, XXXX XXXX has been reporting my account late every month with the credit bureaus reporting the account as failed to pay. 

Ive included a copy of the Experian credit report which reflects the current balance of {$35000.00} ( original balance of {$33000.00} ). There is a past due listed if {$9300.00} which is not consistent with any communication provided by XXXX XXXX. 

The repayment terms are 235 months. 

The current monthly payment of {$200.00} across 235 months at 0 % interest, clearly indicates that it more than pays for the debt over that period of time. As such, the reporting to the various credit agencies is incorrect. The account should be reported as current - in repayment - paid as agreed. 

Experian previously removed the account for a month based on my dispute but they started to rereport as of last month. I would like for this account to be reflected correctly on a monthly basis as paying as agreed or removed from my credit report permanently with no future reporting. 

Thank you, XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (TX)

XXXX claimed that I owe {$120.00} to Ability Recovery Services XXXX claimed that I owed {$880.00} to XXXX XXXX XXXX. 

I contacted both trying to get information on these debts. Knowing I had government insurance around these times. Representative was very rude stating that they would continue to make my credit bad and actually hung up on me while asking questions.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted to get the credit agencies to remove this account. The credit agencies are now in violation because the statue of limitations has expired on the account listed below. 
ACCOUNT NUMBER XXXX XXXX  - XXXX Date Opened XX/XX/2013 This negative remark should have already been removed from my credit.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to get my free annual credit reports on XXXX XXXX, 2017,  which took over 6 hours. Transunion allowed me finally to get it online, however, the left hand side of the report is not legible, cutting off numbers and data. It is not a formatting problem with my computer. I print and save my reports every year and have never had this problem.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AZ)

ERC debt collection attempting to collect on a debt that was not mine. 

This same claim from a XXXX account was sent to another collection agency 2 years ago and through legal means was removed from my credit report. 

Now ERC is reporting that same debt on my credit report and calling to collect. They are rude and abusive and completely incorrect. I also explained that the statute of limitations has past for Arizona even if the debt were mine but they do not care. I also suggested that the federal statute for cell phone debt ( My assumption because they say XXXX ) is 2 years but they are undeterred and are still reporting this to my XXXX report XXXX 

They are combative and rude and have stated that they would stop calling and reporting to XXXX but they have not.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I received a text from Chase showing -- -- -- -- - Chase Fraud : Did you attempt a {$1700.00} withdrawal on XX/XX/XXXX with card XXXX? 
replay yes or no. Msg & data rates may apply. 
-- -- -- -- - Then I replied no, Then chase sent a text they will close my account, give them a call. 

So I called chase to report, they are saying because it is pending transaction I have to wait until pending is gone, 2 days later they accepted my claim. 

Today XX/XX/XXXX they refused to credit my money {$1700.00} because my pin number and debit card were used. So I told them I never received card. 
Still their answer is same. 

Then I asked what should I do? file small claim against chase? go to police office? 
They told me I can go to police office to file a claim. 

I will go to police office after my work. 

Before I go to police office, I am asking your help about this situation. 

Please help me.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I sent a LEGAL Notarized affidavit to Experian, XXXX , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Experian, XXXX , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from Experian, XXXX , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Reference : Acc XXXX XXXX XXXX XXXX XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX is in violation of the Texas finance code Sec. 392.101 this  company does not have an active surety bond to collect a debt in the great state of texas and Section 392.101 of the Texas Finance Code clearly prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Under the new law/agreement effective XXXX XXXX, 2017 any public record data must include name, address as well as social security number and date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per this new agreement/law the bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2021-04-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: DISCOVER BANK (GA)

I tried to login to my account several weeks ago and couldn't because my phone number had changed. I was instructed to call customer service, and when I did, I was verified by the Discover Bank representative, but was transferred to another employee who told me I needed to send a copy of my driver 's license and social security card. I informed this employee, ( XXXX ), that I had a driver 's license, but didn't have a social security card and haven't had one in many years. I'm a 100 % VA XXXX veteran and won't ever receive social security anyway! After trying to send a copy of my driver 's license on the Discover Bank website, it wouldn't go through. I was told I could mail a copy of it to the Discover Bank XXXX XXXX XXXX address. I then sent a copy of my driver 's license through XXXX and paid extra for overnight shipping. I had been in contact with XXXX at the Discover Bank executive offices about my situation and how I couldn't log into my account because of Discover Bank 's ridiculous verification procedures. She left a message for me that my driver 's license address didn't match my account address, even though it obviously did because I was receiving mail from Discover Bank! I sent a copy of one of these letters by email just to show the truth of this. My CD is maturing in a few days and I still can't provide instructions for the bank on this because my account has been frozen! I have tried all I can to take care of this through the bank but this bank has thoroughly shown me that I need to find intervention to assist me with this matter and to have all of my funds in this bank removed! I have accounts at other online banks and they haven't and never would put their customers through such turmoil, especially over a changed phone number!!!
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

We are all exhausted as NFCU ( navy federal credit union ) technical issues making our funds unavailable for hours or online banking and mobile banking being inaccessible. Today XX/XX/2019 from XXXX to XXXX my account shows XXXX balance even tho I had a direct deposit made to that account today. I was concerned and confused. Come to find out on NFCU XXXX page I was not the only one and this is not the first time this is happening. We need better service and we need better communication from Our bank.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Specialized Loan Servicing Holdings LLC (PA)

Received notification from XXXX XXXX XXXX that we had an unpaid interim tax bill. Stated they sent it out in XX/XX/XXXX ( we never received this letter, and didnt get follow up until XX/XX/XXXX ). Called our Mortgage company CMC funding to take care of the owed taxes with escrow. Sent them the information to do so. Received another letter in XX/XX/XXXX stating they ( XXXX XXXX XXXX ) did not receive our payment for XXXX XXXX XXXX XXXX. Total now with fees was {$4800.00}. Sent this new total to CMC funding on XX/XX/XXXX. Case manager called and stated that they were working on this to get it paid. XX/XX/XXXX letter {$4900.00}. XX/XX/XXXX rolls around still NOT paid. Contacted them again. Spoke to agent who told me that they had contacted XXXX county and we were all paid up. They were not to contact the county, they were to contact XXXX XXXX XXXX Fast forward to XX/XX/XXXX. Still not paid, and received the 30 day notice that there will be a lien on the house unless I now pay {$5400.00}. Called XX/XX/XXXX and no one has any idea what is going on and why it has not been paid.
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

On XX/XX/XXXX, I opened a checking account with US bank and made a deposit of {$1500.00} by a check from my byline bank account. However, the check was returned on XX/XX/XXXX, because XXXX XXXX made a mistake to reject the transfer of {$1500.00} from my saving account with it ( when I had {$2300.00} in my account ) to my checking account with byline bank, which was supposed to cover the check that I deposited with US Bank. 

The check returned caused my checking account with US bank to be - {$19.00} because it charged {$19.00} fee for the return item. On XX/XX/XXXX, I deposited {$20.00} in cash to bring the balance to positive. On XX/XX/XXXX, also I deposited {$600.00} in cash and {$2300.00} by check to the account. So the balance in my account has been {$2900.00} since XX/XX/XXXX. 

On XX/XX/XXXX, US bank informed me that it was in the process of closing my account because of the suspected irregular activities and ATM and debt card were disabled ( I couldn't withdraw any money from my account and it also blocked my access to my account online ) but it would send me a cashier 's check for the balance ( {$2900.00} ) within 15 days once the deposit items were verified, which should be before XX/XX/XXXX since the {$2300.00} check was cleared on XX/XX/XXXX. 

On XX/XX/XXXX, when I got the letter from the bank, I went to its branch to show the evidence to prove that the check returned was caused by emigrant direct 's mistake and I had no fault on it as it was totally out of my control, but the bank said there was nothing it could do to stop the process. 

On XX/XX/XXXX, when I needed to use the money, I went its branch again and it told me that it had closed the account and sent out the check of {$2900.00} on XX/XX/XXXX. 

On XX/XX/XXXX, when I didn't get the check that US bank told me was sent out on XX/XX/XXXX, I called US bank, but it told me that my account was still in hold and they didn't know when the process would end exactly. 

It didn't do anything wrong. I never had any negative banking or credit history and US bank knew it, but it closed my account based on a mistake caused by another bank and froze my account since ever for no reason ; I never owned it money.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX  XXXX XXXX XXXX XXXX ( XXXX ) sold my account debt of {$590.00} to XXXX XXXX XXXX and closed the account on XX/XX/2017. When I check my credit report, the balance owed still shows {$590.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX.
Consumer complaint received 2019-08-09
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. (HI)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap 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 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
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Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks
Consumer complaint received 2019-06-07
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX I received a notice from Portfolio Recovery Associates trying to collect on a debt I do not owe. 

I Mailed a letter to Portfolio Recovery Associates on XX/XX/XXXX letting them know I do n't have a debt owed to them. 

I asked them to prove this account was mine. 

I have not heard from them. 

This collection account is not mine. I do not own Portfolio Recovery. I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX which is dated XX/XX/XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XX/XX/XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. According to the old credit report Portfolio Recovery Associates opened in XX/XX/XXXX and was last reported XX/XX/XXXX. The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. I do not owe this debt as it shows it was issued in XX/XX/XXXX. This was 12 years ago.
Consumer complaint received 2017-11-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NJ)

I am the cosigner on three Sallie Mae loans with my son, XXXX XXXX : Sallie Mae Smart Option Loan # XXXX ( current balance {$54000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$53000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$23000.00} ) These loans are currently in forbearance as my son can not make the monthly payments which are {$570.00}, {$630.00} and {$250.00} respectively. While the loans are in forbearance ( which will end XX/XX/XXXX ) I attempted to contact Sallie Mae to work out a payment plan. Sallie Mae refuses to discuss ANY type of payment plan until the loans are in default. Obviously these loans going into default will have a strong negative effect on both mine and XXXX ' credit standing. I have tried to be proactive and attempt to work with Sallie Mae to make payments that are affordable. I can not understand why Sallie Mae refuses to even discuss any type of affordable payment plan until the loans are in default. This makes no sense either for them or for the consumer. Why are they so unwilling to work with a client who genuinely wants to be responsible and get the loans paid and NOT default?