davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry
Consumer complaint received 2017-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In 2008, I lost my income due to the recession, so I applied at my lender ( Chase Bank ) to modify my loan. More than a   year after I applied and submitted all my documents to the lender, Chase approved my modification loan, and I stayed in my house and paid the new amount on time every month for ( 8 months ). However, soon after they sent a letter that told me that I am not approved for loan modification, which was very suspicious because they approved my loan modification. After four ye ars, during which I discussed my situation with all my friends and did research, I found out the lender tried to scam me. They were trying to get my money for 8 months before they did cancelled my loan modification and short sell my house. I believed that because I am  XXXX  and I did not know much about the law to protect my self, they exploited my lack of knowledge and tried to make as much money as possible at the expense of myself and my family.
Consumer complaint received 2017-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Summit Collection Services, Inc. (NJ)

After not paying a few monthly payments to my school due to a  Family  crisis. My balance with my university of {$8000.00}, was brought over to a collection agency. An additional 30 % charge was added bringing it to over {$10000.00}. Is that a correct amount of interest they can charge me? I currently live in NJ as well as the  Collection Agency  is based out of. I want to make sure I have the nessesary information before I continue paying off this loan with them.     Thank you.
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shermeta Law Group, PLLC (MI)

XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX The Fraud and Misconduct continues by SHERMETA LAW Group PLLC! This is with regards to information obtained from the Plaintiff, XXXX XXXX. See included letter from XXXX XXXX stating that on XX/XX/XXXX XXXX XXXX was issuing a Cease and Desist and stopping all collection efforts and closing the account with SHERMETA LAW Group PLLC which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then SHERMETA LAW Group PLLC has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if SHERMETA LAW Group PLLC had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to SHERMETA LAW Group PLLC by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that SHERMETA LAW Group PLLC be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (FL)

Complaint is that I and all are being manipulated via the issuing of extremely lower FICA scores generated by individual lenders. In this case Synchrony Bank who maintains the greater majority of my retail credit cards,  XXXX  accounts currently being challenged and my score is  XXXX  pathetic. I have paid off my mortgage and other accounts and in lieu of going up it goes down. I have been denied credit and the ability to get a loan and they both the credit bureau and lenders point at each other. By opinion lawless sham for consumers have no protection from anyone- none!
Consumer complaint received 2017-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

I served my country in an  XXXX  program from  XXXX   XXXX   XXXX  and received a  XXXX   XXXX  Award. I have been trying to use this award to make my monthly loan payments, and had some success doing this in  XXXX  making  XXXX  payments between  XXXX  and  XXXX , with the last successful payment being  XXXX   XXXX . Although these payments tended to take eight or more weeks to post to my account they at least were posting, and  XXXX  was accepting them. Things began to change in  XXXX . I have made payments each month of  XXXX  most of which are not being posted to my account.   Because of the late delay between my payment and then posting it to my account, I have been making payments exa ctly 4 week s in advance to their due date in an attempt to avoid a past due account.     These are the following dates in  XXXX  that I have made an  XXXX  payments :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Unexplained refunds given back to   XXXX   from Navient :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Navient claims to have received payments posting on the following dates :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00} When I contact Navient regarding this they tell me that it is simply because the money was never sent to them or received. When I speak to  XXXX  they are able to provide me with a check trace that confirms they did indeed send the payment and that it was accepted by my loan servicer. Each company tells me to contact the other one and says that it is out of their cont rol. Navient asks me  to provide things to prove my case that  XXXX  says is outside their policy to provide to me. Neither party can explain to me why my payments are being refunded after being accepted by the institution. My account is now {$770.00} past due and I am being harassed morning, evening, and night  by debt collectors for something that I have already paid. They do n't want to work with me and figure out where the money I have already paid them has gone, they just send me to debt collection and ask if I want to do forbearance or apply for an income based loan repayment. I just want to be able to use the money I  earned by working hard to serve this country to repay my loans.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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 three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 USC 1681 eb A charge off is considered ordinary income. A 1099c which means this is an inaccurate account furnishing on my credit report. It is canceled debt. The company filed it on there taxes, but also reporting it on my credit report as debt. If a charge off is reporting as original income how is it reporting on my report as debt. This is a violation of 15 USC 1681 ( EB ) this speaks on maximum accuracy on the consumer report. Also how are you going to collect interest on a debt thats paid off
Consumer complaint received 2017-06-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

Greetings! This grievance concerns a combination of bot h Private and Federal loans and how there combined cost create financial strain for me in our modern economy.      If my math is correct : I originally borrowed {$80000.00} in both federal and private loans. I have been making payments towards my loans since  XXXX  of  XXXX  and have a balance due of {$100000.00}. In fact, while gathering information for this submission I discovered that since  XXXX / XXXX / XXXX  my  XXXX  payments totaling {$1100.00} only brought my balance down {$350.00}.     As of right now each month I pay {$230.00} toward s Federal loans and {$350.00} towards Private for a monthly student loan payment of {$580.00}, or 20 % of my take home pay. With so much of my capital being funneled to my loans It makes saving extremely difficult and have had to rely on credit cards for unexpected life events and am now app roximately {$15000.00} in credit card debt.     My private loa ns (   XXXX  total ) alone make up {$54000.00} of the original amount borrowed and all had interest rates around  10-12 %.      I tried working with  XXXX   XXXX   ( now Navient ) to lower my p ayments. There only solution for me was to file for deferment and forbearance. Or, default on my loans and work with the debt collection companies .Eventually I stumbled on an ombudsman group were I filed a complaint and I was able to get my interest rates lowered temporarily.     However, each year I need to report my income. As I move forward with my career and my salary rises my interest rates on my private loans rise. Its   creating a " 2 steps forward 1 step back ''.
For an example if I earn an extra {$200.00} ( gross ) a month : My income driven plan rises, my interest rates rise on my Private loans, and then I pay state and federal taxes on that extra {$200.00}.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a notification on experian stating my account balance had increased. I had no information from the bank or letters/ statements claiming of any unpaid amount or balances. I check on my account all the information was accurate and did not reflect any information claiming to be unpaid.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I pre viously had a American Express p referred cash credit card. Before I made a decision to cancelled my credit card, I called AE customer services several times regarding the reward dollars and the positive account balance. I got positive answers about I could get my reward dollars back and the account balance back. Then, Icancelled my card. Later, I did get my account balance back through check. However, I did not get my reward dollar at all.     I contacted customer service for several times again. This time, I got very different answers. They said that for reward dollars lower than {$25.00}, I could not redeem them at all. As my account has {$19.00}, there is no other way for me to redeem it.     I do n't feel very comfortable by this answer. First, this is not what I was told before. Secondly, it simply saying that I am going to lose my reward dollars which should also belongs to me as well.     I would appreciate a solution for it.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (NC)

HUNTER WARFIELD DID NOT PROVIDE VALIDATING PAPER WORK STATING THAT THERE WAS A DEBT OWED ON MY BEHALF. THE INFORMATION THAT WAS SENT WAS A LEASE AND AN ITEMIZED STATEMENT OF CHARGES WITH NO RECEIPTS OR PICTURES TO PROVE THAT THAT THERE WAS A DEBT OWED TO ORIGINAL CREDITOR. ALSO THE PAPER WORK THAT THEY SENT DID NOT HAVE ANY VALIDATING SIGNATURES FROM ORIGINAL CREDITOR PLUS NO RECEIPTS AND NO PICTURES THAT WAS ORIGINALLY REQUESTED. HUNTER WARFIELD KEEPS REMOVING THE ACCOUNT AND REPLACING BACK ON MY CREDIT REPORT WITHOUT ANY VALIDATION PAPER WORK OR PROOF AND LEASE AND ITEMIZED STATEMENT IS NOT VALIDATING ANYTHING
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc. (CA)

My creditor is using abusive collection tactics. I told them I am in the process of filing a bankruptcy as recommended by a consumer credit counseling agency. The company then tried to demand payments and told me they would potentially refer me to their attorney for further collections. The lady I spoke to was very rude and very much not understanding of the situation. She made several threatening and intimidating statements during the call including that calls would possibly even continue while I am in bankruptcy and that they may conduct a review of my income and assets for dealing with further collection of this {$800.00} debt. I informed this person I barely had enough money to pay for my food and prescriptions and that my income had been greatly reduced. She kept pressuring me to make a payment. I told her my bankruptcy would be filed in the next two days and I did not have money and she just kept pressuring me to pay her. She really frightened me to the point where I was afraid she was going to keep calling during a time when she should n't.
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

This is regarding the case XXXX with Experian and the case XXXX with XXXX XXXX. We have done some extra research and checked carefully and indeed there was an issue with XXXX XXXX, I never requested that but they put a dispute in my account. It seems that they do this kind of things to protect the customers from identity theft ( they could be other reasons too ), in doing so they put a credit freeze on the data of the affected clients, in other words they block the access to their credit files. 
I do not know why they decided to do that but it was negligent from them. The credit reporting was frozen and we did not know about that, when we realized that we called XXXX XXXX and requested the removal of that but they said that it would take weeks. In order to speed up the process we had to pay a fee of {$240.00} to the XXXX ( XXXX XXXX XXXX ) as you can see in the attached document. Anyway because of all the time wasted because of the negligence of XXXX XXXX, we could not get the credit reports on time and we lost the house and the time and money invested in the process. We paid a fee of {$370.00} for the required house inspection, money that we also lost. 
In the case of Experian, we were also calling them many times and talking with different people about our problem with the credit reporting, we were following their instructions, we gave them all the information requested and even we submitted all the requested documents in Black and White PDF files ( as requested ) through their official webpage but still we could not have the credit reporting. We are not sure but this problem with Experian could have been the effect of the dispute that XXXX XXXX put on my account. 
I am attaching here the copy of the email that my wife sent to me requesting the conversion of some documents to Black and White format and my reply with the documents. We already had the other documents in B & W format. I am also attaching a copy of the screenshot from the official Experian website after successfully submitting all the required documents.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It has come to my attention several companies made hard inquiries to Transunion and XXXX without my permission or authorization and I would like the hard inquiries removed. Transunion and XXXX have infringed upon my rights as outlined in federal law. Under the provisions of 15 U.S.C. 1681a ( d ) ( 2 ) ( iii ), Transunion and XXXX has disclosed my information without my consent, directly violating my privacy rights. This action contravenes the Privacy Act of 1974, specifically 16 CFR Part 313, which mandates the protection of consumer data and requires opt-out notices. By failing to provide me with the opportunity to manage my data and protect my privacy, Transunion and XXXX has disregarded federal regulations. I contacted each bureau and they said I need to file a report and get a FTC number to remove. There were several hard inquires made : 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 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

After years of unemployment and using my life savings to stay current on home mortgage payment s Wells Fargo  sold my home to an investor named  XXXX   XXXX  in   XX/XX/XXXX   after a year of not making payments. I had applied to get government help that they said was available but was quickly denied and it was just a false  hope. I was order by a county judge to leave a home I lived in  from   XX/XX/XXXX  to  XX/XX/XXXX .  I am now  homeless  and have lots of debt. I do not drink alcohol, use illegal drugs, or smoke and never have. I suffer from   XXXX   XXXX   which I can not afford to have diagnosed and have been separated from my wife and son since  XX/XX/XXXX . I can tell that my family blames me and they offer little to no support yet they expect me to help them. I was once an adequately paid contributing member of society and was able to sustain myself and family but now I have been marginalized by society. Why did the banks get millions from taxpayers yet we the people got nothing but a help program called   XXXX  t hat is worthless as far as I am concerned. I saved for over 10 years to buy my own home. I put a 20 % down payment from over a decade of saving and that was my life 's dream/goal to own a home. These bank CEOs make millions and some have multiple homes yet I am on the streets and something just does not seem right about banks destroying the economy with bad mortgage lending yet they get rewarded while I loose everything I worked for so they can have a lavish lifestyle. In mid to late   XX/XX/XXXX   an attorney named  XXXX   XXXX  called said he had proceeds from the sell of my home of about  14 grand but I had to sign a letter not to sue the bank to get the money. I needed the money so I had no choice but t o sign the letter to pay for immediate stay at  inns and lodge   XXXX   since I am homeless.  I drive  by my former  3 bedroom/2  bath brick ranch home on occasion and it is now recently occupied after having been updated and put back on the market since I was ordered to leave. I believe it sold for  XXXX   XXXX . I kept hoping that eventually someone would come to their senses and give it back but that never happened.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (NC)

I recently went through a divorce and financial hardship, even as I have struggled I have still trying my best to stay afloat and to keep paying bills slowly but surely. I recently got reposed my   XXXX    XXXX   XXXX  that I had for  one   year. Ford Credit  took my SUV back with only 54 days behind in my payment. I have been slowly falling behind 30 days but never thought that being 54 days late was reason enough for Ford Credit to come repo my car. Immediately the very same day I called them to work with them and they immediately shot me down and told me that my account was now sent to another department ( Recovery Department ) and they would handle it from there. I called them and told me to wait 72 hours for me to talk to them, I waited 72 hours and called them, the lady on the phone told me  that I had to pay the whole balance owed in the vehicle of {$32000.00} and I had 15 days to do so for me to get the vehicle back from them or after those 15 days my car was going to be sold and that I was going to be held accountable for any legal fees or balance on the loan. I told her that was impossible, so I offered to pay the late payment ( 54 days late ) and any late fees associated with the account and even a month ahead and she told me no. I was willing to go beyond what I could to be able to keep the car and get it back but she refused my offer. I asked to speak to a Supervisor, she transferred me to this voice mail, I left message, the voice mail said that she was going to call me back wi thin 72 hours and there was no reason for me to call back. 72 hours c ame and went, I call several more time trying to talk to someone at that number and she never answered or I never talk to a person ( supervisor ) as I requested. When I call back to the recovery department because I was not able to get a supervisor the lady say the decision was final and that there was no way to change it. Now, I get a bill saying that the car was sold to a private buyer and that I owe them {$10000.00}. All these could had been avoid if they had worked with me, if a had talked and explained to a real person, not a recorded machine. I request to please help me out in this matter. Thank you.
Consumer complaint received 2018-08-19
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: LD Holdings Group, LLC (CA)

Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, XXXX, provided a blanket disclaimer that they were a third party and would audit Loan Depot 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until XXXX completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. Loan Depot 's  telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. Thank you.