davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Upon receipt of the annual escrow account disclosure statement dated XX/XX/2020, I called Customer Service as the escrow amount was calculated incorrectly. The amount paid for property taxes for 2020 was {$1400.00}, but their calculation was based on anticipated county tax amount of {$3600.00}. 

Based on this, the monthly escrow amount will go down, not increase from {$380.00} to {$440.00}. I have contacted Customer Service on three occasions, and through the Amerisave website secure messaging twice to no avail.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

This my second complaint in addition to my initial complaint which was closed. 

I joined XXXX loan service forgiveness program and account was switched by XXXX to FedLoan my XXXX payment of {$500.00} was due to XXXX on XX/XX/XXXX. It was paid in full and on time. XXXX then switched over my accounts to XXXX two days later on XX/XX/XXXX as the servicer. Once i received the login info for fed-loan and logged on to pay my XXXX installment to the new provider, I then discovered that my accounts were delinquent and 30 days past due. I then contacted XXXX XX/XX/XXXX to find that my payment was not transferred over. I was told that will take up to 60 days to appear in my account. I have submitted various proof including bank documents to XXXX XXXX XXXX and have received ZERO response. It is now XX/XX/XXXX which is well over 60 days past the stated date. XXXX has yet to credit my account when i have provided AMPLE proof including my bank records that this payment was in fact made and no payments have been missed. This has caused my loans to further appear in delinquency as well as negatively affect my outstanding credit score. In order to avoid this I would be forced to make another payment immediately which would cause me financial hardship. I have called almost weekly since the beginning of XXXX to be told no one can help me, and then XX/XX/XXXX they said the billing department finally received my proof which I sent XX/XX/XXXX and it was sufficient. It is now over 10 business days since i have recieved this information and over 16 business days since i sent the proof after months and months of this ... .. and yet still my account is showing an owed balance of {$500.00}. I would like XXXX to apply my money to my account. It is strange to me that my payment process in 3 days however getting a credit has taken months? I feel that XXXX is trying to steal my money and as I said this is negatively affecting my credit score and my ability to purchase other items due to this. I do not think I should have to be punished as someone who pays their bills on time and works very hard to stay afloat.
Consumer complaint received 2017-06-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

i dont remember when this happened but it was back in XXXX i have id theft also but when i did get this loan out i had lost my job 5 days later and i had not been able to pay today XX/XX/XXXX they called my mom which is going through some problems becasue my father had an accident and told her that they were calling from the county and that i had a warrent for my arrest because of this loan my mom was very scared because of the arrest and the worry of my fathers health i need help i cant do this at the moment i bearly started working again and i am a single mom of XXXX  and they dont want to help me to pay them back
Consumer complaint received 2017-03-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have contacted Portfolio Recovery Associates on several occasions requesting that this debt either be validated or removed from all XXXX of my credit reports. Portfolio Recovery Associates has failed to provide me with adequate validation. They have yet to provide me with that they have been assigned to this debt by the original creditor or any original documentation from the original creditor.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

Today, XX/XX/XXXX, XXXX XXXX XXXX XXXX New Jersey attempted to perform a credit check through Experian to allow me to finance the cost of installing a new furnace in my home at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX where I've live with my family for XXXX years and have had an account with XX/XX/XXXX that supplies our natural gas and electricity. Experian responded to XXXX XXXX XXXX that there is a freeze on my credit report account and that I need to unfreeze the account for them to release the requested information. Please note that I had my identity stolen in XXXX, XXXX, and following the Federal Trade Commission 's protocol, I had my credit frozen for 7 years. On Experian 's website I filled out the form to unfreeze my account and received a message that stated, " We are unable to process your request as our records show you do not currently have a security freeze on your credit report. '' Consequently, I am unable to get the credit approval to go forward and have the furnace replaced. All I need to do is to temporarily lift the security freeze on my credit report at Experian. Please note that XXXX XXXX XXXX utilizes only Experian for credit checks. So according to Experian, I do and do not have a security freeze on my credit report. Please advise me as how to resolve this issue. Thanks in advance for your assistance.
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (WI)

On XX/XX/XXXX, I met with a Legal Aid lawyer about my loan with XXXX. I am unemployed, and can not afford to pay this loan.I try my best to make ends meet to feed, clothe and house myself and my XXXX children, but paying this loan makes that impossible for me to manage. Legal Aid helped me to fill out a REPAYE application on XX/XX/XXXX which was faxed to XXXX, my servicer for my federal loan. At the end of XX/XX/XXXX, I received notification from XXXX that they could n't process my application for REPAYE because my loan was in " paid ahead/deferred status '' I contacted XXXX and cancelled the deferment. They still refused to process my REPAYE application, and told me I used the wrong form ( the one I  used was the official Department of Education form ) Because I received a bill that was due on XX/XX/XXXX, my attorney recommended I contact XXXX and have them put my loan in deferment/forebearance temporarily. When I called, XXXX told me that " the Department of Education eliminated the option '' to stop payments temporarily. This is ridiculous. XXXX seems determined to deny me my rights under federal law and DOE regulations.
Consumer complaint received 2017-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (CA)

To Summarize, I refinanced XXXX XXXX XXXX XXXX CA XXXX with the same bank BBVA Compass The loan officers promised me that they had a way to lower my APR by splitting my Jumbo loan of XXXX XXXX@5.25 into two loans I was promised verbally repeatedly and consistently that both loans will be fixed and money will go towards interest and principal I had good relations with loan officer so I signed the paperwork, only to realize that HELOC was interest only and tied to some Govt interest Rate I was truly misled and made the mistake of signing documents with their verbal reassurance BBVA Compass XXXX XXXX Financial Sales Advisor - XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, CA XXXX Desk XXXX Branch XXXX  ext XXXX NMLS # XXXX All I have been pleading is I want to pay off my loan and as verbally promised repeatedly that both loans would be fixed rates I either want my original loan back or please convert HELOC to a fixed rate loan These are unfair practices used by banks and mislead consumers Please help and advise, I am willing to work with them to achieve a resolution, they have put through months and months of harassment and underwriting and denied helping Best XXXX XXXX XXXX
Consumer complaint received 2017-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had my  XXXX   XXXX  accunt setup for auto pay using a credit card. I had my service for a number of year and recently switched to a different provider.  XXXX   XXXX  charge my credit card for early termination but I had not cancelled early at all. I disputed the charge but the credit card company has taken the side of the merchant and will not remove the charge from my account. I had provided  XXXX   XXXX  with a copy of the agreement bewteen myself and  XXXX   XXXX  that specifically shows that I was no longer under contract and should not have bee charges early terminatoon fees.     Apparently the credit card company does not protect the consumer it protect the merchant. I will never use autop pay again because of loss of control over my money.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (TN)

I AM BEING CHARGED FOR MEDICAL EXPENSES THAT WAS COVERED THROUGH  XXXX . I HAVE CALLED AND TRIED TO RESOLVE THIS MATTER WITH THE COLLECTION AGENGY AND THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION TO THE CREDIT BUREAUS. COLLECTION BUR  FT WALTON CL AIMS THAT I OWE {$710.00} AND ALL OF MY MEDICAL EXPENSES WERE BEING COVERED BY  XXXX . MY  XXXX  COVERAGE PERIOD WAS   XX/XX/XXXX  THRU- XX/XX/XXXX .
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-03
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: CITIBANK, N.A. (MN)

On XX/XX/2018 I paid the total amount that was due on my credit card as of that XX/XX/XXXX date. XXXX has a bar that runs at the top that shows you how much you end up paying off based on payment amount. I paid off the entire credit card, $ {$920.00}. After I made the payment, Citibank showed my balance as {$0.00} on XX/XX/2018. I logged in twice that day and that was the balance on my account. Today, on XX/XX/2018 I logged in and saw that my running balance is {$160.00}. In fact, on my " Transactions- Activity Since Last Statement, '' my account shows that I had a running balance of {$160.00} on XX/XX/2018. This is confusing and misleading. 

If I actually owed {$160.00} on XX/XX/2018 that should have appeared on my screen yesterday. This is the 2nd time I have noticed Citibank 's website provide a discrepancy in what I owe and what my balance is. This is incredibly frustrating as I am not sure which balance to believe, and feel like no matter me wiping out the total balance, somehow I still owe something that was due on the same day as my payment. 

I took screen shots this morning to explain this issue. 

I called Citibank this morning to resolve this issue. I spoke with XXXX ( XXXX ) a phone banker in the XXXX, and she said that the {$160.00} are payments that did not post to my account until this morning. I told her it is deceptive and unfair to not provide accurate and real information about a customer 's account. Furthermore, ( even though I strongly disagree that I owe that full amount ), why is Citibank 's website showing that I had a running balance of {$160.00} on XX/XX/XXXX today but yesterday it showed that I had a balance of {$0.00} at XXXX different points when I logged in? I don't want to feel like I am never fully paying off this credit card. XXXX kept explaining that it may be a matter of a charge that just came on my account that was pending. That still doesn't explain why my statement shows I had a running balance yesterday after I made a payment. I asked to be connected to an escalation team or someone who handles disputes. She only offered to transfer me to her supervisor of technical support. That does not provide me with an appropriate avenue to address my concerns!
Consumer complaint received 2018-05-01
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: EQUIFAX, INC. (FL)

Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us!

I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else!

They have no right to deal with my life and business! They are database and personal information thieves!!!

I see them responsible for any damage that may or may be caused to me!

The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you!

I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information!

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (RI)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2018-07-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My husband and I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. As of today XXXX XX/XX/XXXX ), they have not yet responded. Obviously, that's longer than 30 days.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
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)

I have asked numerous times for Experian to send me a signed copy saying I open the XXXX XXXX XXXX card and a copy of everything charge to that card. Experian has yet to send me those copies I did not open a XXXX XXXX XXXX card nor did I charge anything to a first premier card. I need this proof sent to me or I need the account deleted from my credit report by law you must send me the copy and the proof this is my account.
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (IN)

On  X/X/17    I called Regions bank  on two seper ate occasions that say to ask if any of the overdraft fees on my account could be waived or reimbursed to my account. As of today my account is $  XXXX . I have a mobile deposit pending for deposit tonight in the amount of {$270.00} but that will still leave me with a negative balance. I called explaining why my account was overdr awn ( my mother passed away ) a nd all the stress of dealing with that and paying funeral fees and other things I was n't paying attention to what was going on with my bank accou nt. I have 4 p ending transactions on my account for tonight ...  XXXX ,  XXXX  Credit Card pymt  XXXX   XXXX   XXXX ,  XXXX  Credit Card payment Express and a {$19.00}  XXXX  purchase that has been pendi ng for four d ifferent days. So far Regions has taken out {$180.00} in overdraft fees with more in sight since  I have 4 more transactions pending. I called today twice and I actually got ONE {$36.00} fee reimbursed to my account. They would n't help me any further. Their response that I had already used a court esy fee waiver within this year ... which is untrue and they could n't do anything else. Can you get Regions to waive any more of the fees? At this point I 'll never have a positive balance. Please help. Thank you.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I found this company to be reporting XXXX frivolous debts on my credit report, hence on XXXX XXXX, I sent this company a request to validate the accounts. The company responded back with a bewildering reply, where they failed to provide me with any form of validation and instead asked that I provide them proof of fraud. ( see attached response )