davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OH)

On XX/XX/XXXX I cancelled my account with XXXX XXXX. On XX/XX/XXXX I received an email from XXXX regarding my remaining balance {$1400.00} ( see attached ). 
On XX/XX/XXXX I communicated with XXXX via their online chat system ( see attached ) and asked if I would be allowed to return the phones, and was told I could return the phones to a XXXX store for credit. On XX/XX/XXXX I returned 3 phones to the XXXX store and I called XXXX as directed to verify the return was credited ; I was told only 2 phones showed as returned in their system. I provided XXXX with the receipt number for verification and was told they would have to do an investigation into the credit for the 3rd phone. I was also informed that I would still be responsible for paying the {$1400.00} because I terminated my contract early. I informed them I would be able to make a partial payment of {$1000.00} as soon as I received the prepaid refund card from my new wireless provider, which could take up to 60 days to receive. I was told as long as monthly payments were made my account would remain in good standing and would not be sent to a collection agency. 
On XX/XX/XXXX I paid {$400.00} to XXXX via their online system. On XX/XX/XXXX I paid XXXX {$1000.00} via telephone and was told my remaining account balance of {$38.00} for the 3rd phone would remain in XXXX collection dept until refund was credited to account for the 3rd phone. I was assured the account would not be sent to a collection agency. On XX/XX/XXXX I called to check the status of the investigation and was told I only owed for the wireless charging pad that I had financed for a total of {$57.00}. I paid the {$57.00} during that call for the charging pad and I was told that payment satisfied the remaining balance on my account. In total I paid {$1500.00}, which was {$19.00} more than the total amount I was told I originally owed. 
I did not receive any further bills/notices from XXXX after the final payment I made on XX/XX/XXXX. I also did not receive any notice from the collection agency Diversified Consultants until XX/XX/XXXX, which is months after it was reported on my credit report in XX/XX/XXXX and the dates on my credit reports are also discrepant. The amount being reported on my credit report is {$600.00} with XXXX with an assigned date of XX/XX/XXXX and a delinquent date of XX/XX/XXXX ; {$600.00} with XXXX with an assigned date of XX/XX/XXXX and delinquent date of XX/XX/XXXX ; and {$600.00} with XXXX with a placed for collection date of XX/XX/XXXX. 
My account was never delinquent with XXXX and they continued to accept payments from me after XX/XX/XXXX, which is the delinquency date being reported on my XXXX report. I do not owe the {$600.00} or any other amount to XXXX or Diversified Consultants because my debt to XXXX was paid in full on XX/XX/XXXX. 
I disputed the collection/debt on all 3 of my credit reports in XX/XX/XXXX and Diversified Consultants refused to remove the collection/debt from any of my reports.
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (MN)

i requested that the collection company delete the account and all reporting on my credit report. since i paid the collection in full. i called several times to resolve but, company stated it is company policy not to delete from credit report. they stated to call each credit bureau to get deleted. after contacting the bureaus they stated that only the collection company can delete from credit report. i again called collection company to request a delete. i was transferred to a supervisor/manager voicemail. i left a message but, no one contacted me.
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CA)

Applied for a US Bank credit card, co-branded with XXXX XXXX a few weeks ago. Just got the card a week ago and now they are stripping the most valuable benefit from this card. The benefit ( a free night on any reservation ) is still on their website and advertized to people who sign up. I find this extremely unethical and dishonest. All they offered to do is close the card, but my credit report has already been pulled and is now worse than it was before opening this card. In addition, while talking to them, their agents constantly lie and evade questions.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: General Information Services, Inc (IL)

this is the first time ive ever received my background check and i have never broken the law the misdemeanor in XXXX XXXX, Ia was done by someone who gave the police my information i know who it is because shes my sister she told me she had gotten it fixed 8 years ago but obviously from my background check she has n't i have contacted her and she has been willing to help with getting this corrected.
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (WV)

Discover refuses to abide by the law and verify debt they claim is owed. 
This erroneous information is breaking the Fair reporting Credit Act. 

On XX/XX/2021, I sent a 609 dispute letter to the credit bureaus and Discover to verify debt. Specifically, requesting " physical verification of the original signed consumer contract ''. Again in this letter it states, " an original Consumer Contract with my Signature on it ''. 
In response on XXXX XXXX, 2021, Discover chose to blatantly ignore my requests for a contract or signature and sent a letter stating when this card was allegedly opened and an address of public information without any verification of debt belonging to me. 
I sent a Fail to Validate letter stating this fails to meet the Federal Trade Commissions guidelines in which I outlined in the letter and again requested verification. 
On XX/XX/2021, I was sent a degrading letter again ignoring my request to validate that " We previously communicated to you the result of our investigation ''. Then, the 2nd page requested my social security number and birth date which they would have if this debt is valid.
Consumer complaint received 2016-06-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

CitiFinancial is the junior lien holder on my loan. I have a good offer for $ XXXX with the senior lien holder ( XXXX XXXX ) netting $ XXXX and they have offered the Junior Lien Holder {$6000.00}. The Junior Lien holder is being unreasonable and trying to push me into foreclosure by wanting $ XXXX. 
They told me that their appraisal came in at $ XXXX, and then I sent them a copy of the appraisal from the Senior lien holder which came in at $ XXXX. This lender has lied to me time and again, I am desperate to get this done and over with. My wife passed recently and I do not have the money to maintain the mortgage. Please assist me in anyway that you can.
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These credit companies aren't respecting the laws of FCRA. I had an inaccurate and negative account removed from my credit report and it was reinserted without notifying me nor did they send the notification in writing within 5 business days of the reinsertion. This is in violation of 611 ( b ) ( ii ) and this needs to be removed from my credit report. The companies also aren't consistent with their reporting. I disputed an account and it was removed from one credit bureau ( XXXX ) for its inaccuracy and false reporting, but the other 2 ( Transunion and XXXX ) aren't removing the account. There are also unauthorized inquiries that are still reporting after numerous disputed attempts. Please help resolve these issues so I can start to build my credit and work towards getting my family a house. This is unfair. Attached are the letters Ive sent to the companies, well over a month ago, along with my ID and proof of address for identity verification.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

A divorce decree dated XXXX/XXXX/13 awarded my ex-wife, XXXX XXXX XXXX, ownership of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Per the terms of the decree, she was required to refinance our jointly held mortgage with Fifth Third Bank, in her own name, within six months. She has refused to satisfy this obligation and has caused severe damage to my credit report since that time. Both my attorney and I have contacted XXXX XXXX in regards to this matter on multiple occasions. I have disputed this account with all XXXX credit bureaus. I have also contacted Fifth Third Bank in an attempt to be released from liability for this mortgage. All attempts to remove my name from this debt, and remove this debt from my credit report have been denied. It is my understanding that XXXX XXXX is unable to secure financing in her own name. Be that as it may, I should not continue to receive derogatory marks on my credit report due to her payment delinquency.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (NY)

I have a credit card from Chase Bank XXXX This account was closed as of XXXX/XXXX/XXXX. 
Chase is reporting this account late and in default. 
I had filed a complaint in XX/XX/XXXX, and Chase the resolved the issue then, but i=t still keeps on showing up on my credit report. This has caused irreparable harm to my financial situation, and i am demanding that Chase remove the negative information immediately
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

i am XXXX years old and been paying rent of XXXX for the last 6 years and want to buy a house instead of renting my whole life this unactual reports a hurting my family to live and own a house. according to the 15 U.S.C 1681 the law states there should not be any damages on my report as this is a defilation of character.
Consumer complaint received 2017-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (IA)

I received a letter from what I assume is a debt collector trying to collect on a XXXX account that has a negative balance, personally I ca n't even understand how a XXXX account could have a negative balance, but more importantly I do n't have a XXXX account and I want this collection to cease and it better not appear on my credit report. I am as well submitting this complaint to the XXXX Attorney General 's Office. I have attached a copy of the letter that was sent to me.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

I was told that I would get a loan at 3.875 % and that they could do it. I explained at first that i had a " XXXX '' agreement on my home and was told at first that it should n't be an issue. I did n't get any calls back from XXXX and had to call several times to talk to XXXX XXXX, but had to call his superior.. I had to call his boss XXXX XXXX, who I expressed my frustration with XXXX not returning my call, he said that XXXX would call me back to explain why they could n't do the loan. I never received a call. I then called his boss XXXX XXXX and he stated that they could n't do the loan. I asked for the guidelines and why, and received answers that did n't make sense to me. I asked to speak to his boss and he said that he was the director and there was no -one else above him that could make the decision to do the loan. This phone tag was over a period of 4 weeks. When XXXX told me he could do the loan at first, I gave him my credit card information and he sent me all the docs and application and asked me to immediately sigh them electronically, which I did. At that point i waited for a call or any information they needed, but received nothing? Thats when i called His boss XXXX, and he proceeded to tell me they cant do the loan because of the XXXX agreement on it. He said they had to follow guidelines and could n't do it. As far as I was concerned i signed a contract with XXXX to get he loan done, after i disclosed that i had a XXXX '' agreement and was told it would n't or shouldnt be an issue. I was told from XXXX that XXXX would call me back to better explain why they did n't want to do it. I never received that call. I was sent several loan rates from XXXX at first, which i agreed to the XXXX rate which we discussed as my best option and waited after the docs were singed for them to move forward with the loan. I have a good LTV and was looking for a XXXX refinance on my home that appraised at XXXX. Dosent the lender have to send you the reason or guidelines of why the refused to do the loan?
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am having a hard time believing that an investigation was done because there is still an account that was disputed in XXXX, and XXXX still reporting on my account. I have not received a notification stating that a dispute was opened which is odd. I am asking XXXX, EQUIFAX, AND XXXX to conduct a thorough investigation and update the following account to paid as agreed, never late per the CARES ACT. The account is XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-02-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial (MD)

I was told about an Ameritech Financial flyer from a relative ; who believed it was a legit company to help with paying off Federal student loans. 
When I called the company, they sounded responsible and came off as if they knew what they were talking about. I found it weird that with the high student loan amount that I have ; at the time it was about XXXX or so, they said I would only have to pay XXXX total in the end after they calculated everything. The phone call took about 2 hrs to complete the process. 
The result was, I had to make 9 payments of {$200.00} dollars and then it would go down to {$99.00} afterwards. I looked on the XXXX website and I've seen that no payments were made to XXXX at all. I was still getting phone calls from XXXX the whole time I was dealing with Ameritech Financial. I called to cancel my account with them after about a year and a half and they did not cancel my account. I ended up switching bank accounts which resulted in them not being able to receive anymore money from me. I would greatly like to receive all the money I paid to them while thinking I was finally able to pay off my student loans.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I sent dispute letters to   XXXX   XXXX  ,  XXXX  and Experian.   XXXX    and Experian put an initial fraud alert on my credit report without my permission, against my will, and without my knowledge. My dispute letters did not indicate any type of fraud ; this action was done by   XXXX    and Experian unsolicited. I called   XXXX   but was hung up on/disconnected six different times.I tried to call Experian but can not reach a human being. I need the fraud alert that I did not request to be removed from my   XXXX   and Experian credit reports. I believe this may be the reporting agencys ' new tactic to avoid handling disputes from consumers.
Consumer complaint received 2019-02-27
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. (AZ)

I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.
Consumer complaint received 2016-04-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Atlantic Recovery Solutions LLC (NY)

Received numerous calls from XXXX XXXX at Atlantic Recovery Solutions ( ARS ) from XXXX, NY, stating she was an account representative and was working on behalf of their client to collect a debt. I informed her I do not have a debt with the creditor mentioned and asked for verification. She stated that she does not need to verify anything. I asked her to stop calling me, my place of employment, my husband and my relatives after which she hung up on me. I then sent a Cease and Desist and Dispute letter via fax to their offices after verifying someone named XXXX XXXX worked there.
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gordon, Aylworth & Tami, P.C. (WA)

I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an Oregon XXXX, I live in Washington. The debts they claim I owe are over 10 years old. The Attorney is XXXX and XXXX XXXX at Law in XXXX Oregon. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is XXXX XXXX , XXXX.
Consumer complaint received 2019-02-27
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. (AZ)

I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (NY)

I applied for the Chase XXXX XXXX Card on XXXX XXXX, XXXX at the Chase branch on XXXX XXXX and XXXX XXXX in XXXX. I was interested in the card both because the benefits it offers and because there was a promotion to earn XXXX Chase XXXX Rewards points if certain spending requirements were met using the card within the first 3 months after account opening. I have a pristine and extensive credit history going back to XXXX. No missed payments, no late payments, no bankruptcies, no collections. Every payment on every obligation, including my mortgage, my student loans, and all of my credit cards ( including Chase cards ) has always been made in full and on time. My XXXX score is well over XXXX. Yet, Chase denied my application on the grounds that I had opened " too many credit cards in the last two years. '' I called and asked their representative to explain and she suggested that, because I had opened other credit cards ( at other banks ), Chase could not get a good sense of my utilization, but if I would like they could upgrade my existing Chase XXXX Preferred card to the Chase XXXX XXXX card ( which costs {$450.00} per year ). In other words, they would be happy to give me the Chase XXXX XXXX card and charge me the {$450.00} fee, but would not give the same opportunity as other customers to earn the bonus. Given my very long and perfect credit record, Chase clearly denied my application on pretense in order to avoid giving me the opportunity to earn the XXXX bonus points. Perhaps because I have an XXXX ( XXXX-sounding ) name or perhaps because I do business with other banks. If they were at all concerned about my credit utilization, they should not be willing to approve me for an upgrade of an existing card. As far as I am concerned, their denial of my application was based on discrimination specifically designed to deny me the opportunity to earn bonus points and not on any legitimate concern regarding my creditworthiness and should not be allowed to stand!
Consumer complaint received 2019-02-27
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. (AZ)

I took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.