davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank has been advised on 2 occasions not to approve and pay for debit and credit cards transactions when there are not enough funds to cover the transactions. Their explanations is that recurring card payments are somehow different and that these types of charges can not be stopped from processing. A recurring charge of XXXX was processed through my account causing overdraft and extended overdraft fees on XX/XX/2018. I have not been able to resolve this issue with Chase as  they are committed to their policies.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CA)

The debt collector, TRANSWORLD SYSTEMS , INC. notified me at the end of XX/XX/XXXX that they were going to intiate a wage garnishment on me for failure to pay the debt. They informed me in a letter that I had the right to request a hearing that would be considered before a hearing official. The collector stated that if I requested the hearing within 15 days of receiving the notice that no further action would occur until a decision is made by the hearing official. I wrote back to the collector and filed out the form they sent me to request the hearing. My request was received by them within the 15 day time limit. In XXXX I obtained a lawyer to represent me in the matter. When my lawyer contact the collector by phone they told him that the hearing had already occurred and that they called me. However, I never received any notice of such hearing nor was I ever informed of the date of time of the hearing. I have since written a letter asking the collector why I was never informed of when my hearing would be and my lawyer at the time was never notified. Now I have received statements showing that more interest charges are being added to the debt. I have not been afforded my legal rights as they represented to me in writing and now the collector is making it appear that I did not show for my hearing when I was never notified of the hearing. I would like this investigated because as far as I am concerned the collector did misrepresented themselves and the who fact of my right to request a hearing. I feel that this collector is in violation of my consumer protection rights.
Consumer complaint received 2018-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I have repeatedly contacted equifax as well as XXXX about a collection company. ( XXXX XXXX XXXX ). In XX/XX/XXXX I filed for bankruptcy. In XX/XX/XXXX I received a discharge. XXXX is a debt that was successfully XXXX. However XXXX changed the effective date of debt to reflect as if the debt accumulated post bankruptcy. The collection account appeared on my credit 8 months after bankruptcy dates XX/XX/XXXX. I have submitted at least two investigations with XXXX   and was told to forward a copy of the discharge to insure that the original debt was discharged. I have submitted those documents and still it's on my report. I've submitted the same paper work to equifax on three different occasions both mail and fax and each time they've claimed to not receive them. Please help.
Consumer complaint received 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (MS)

My car in XXXX was Fanancial by ally they call me everyday and ask for money that I dont have my car was totally in XXXX I told them that I was not able to get pay and I had full coverage and gap insurance but they call and harassing me everyday.plus they have put the car loan on my credit twice.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I had a credit card, checking/saving accounts and an IRA account with Capital One. Then Capital One closed my credit card and checking/saving accounts. As a result I do not have access to my IRA account any more. 
I contacted Capital One customer service twice. First time I was told someone would call me back but that did not happen. The second time I was transferred back and forth, spent almost two hours on the phone but it did not help with anything. I was even told that Capital One would close my IRA account and send me a check! 

How could Capital One make a decision on closing my IRA account and force me to pay all the taxes! 

I need to be able to access my IRA account ASAP and I will transfer my IRA account to another bank. I do not want to close my IRA account and pay all the taxes now!
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX, American Express initiated contact with me. I received a gentlemen on the Credit Review team who proceeded to go over the status of my account. Within the parameters of the conversation, this individual was making veiled threats that seemed to point to negative credit reporting, the account being sent to an outside agency, and the likes thereof. Keep in mind, all of this even though I had made several apparent statements intending on paying the full minimum amount due by the week of XX/XX/XXXX. Relentlessly, that was not satisfactory to him ( or American Express ... I can not decide which ). This was followed by repeated unprofessional tones and outbursts by this individual who claims to maintain professionalism at all times. I do not and WILL NOT tolerate any behavior like this from anyone. As of the time of this writing, I am reviewing this incident with a lawyer who will direct me on what steps to take regarding this situation. Someone will be reaching out to American Express in the coming weeks to further establish the situation and I, the cardmember, demand a direct apology from this individual and American Express jointly. In the interim, American Express hardly maintains transparency between its employees and contractors. There are repeated discrepancies that continue to become a concern when trying to make attempts at making the account current. With regards to Payment Programs, many American Express handlers either do not know what exactly is required, or assume what is and isn't required in order to keep a Payment Program. In the aftermath of being removed from a Payment Program, at no time other than the date of this writing, did anyone mention that keeping Auto Pay on a monthly basis was required in order to keep the Payment Program. The individual whom I spoke with seemed to insist that instead of them acknowledging they made a mistake, that it all comes back to me taking ownership for the account. I will not take ownership of the account, until American Express starts maintaining consistency with respect to communication and fair use. I will not be held responsible for mistakes that American Express mistakes, and nor should I be made to feel that way. American Express is shamed in doing this and should admit their wrongdoing instead of attempting to turn everything back on me. If I, the cardmember, am not able to satisfy my debts, then that's on me. I'm still going to hold American Express solely responsible and liable for faults of their own regardless of the status of my account.
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I XXXX XXXX submitted a request to modify my mortgage in XX/XX/XXXX. I have been going through a serious medical issue where I lost my ability to XXXX XXXX XXXX. However, US Bank sent a nice letter responding to the CFPB complaint on XX/XX/XXXX, whereas I was sent by email a modification package. That modification package was submitted within 10-weeks, which is well within the timeline mandated by the revised Fair Debt Collection Practices Act amended version of XX/XX/XXXX. Suddenly, I was served with a foreclosure notice, even though US Bank was well aware of my condition, and they were finally given a full modification package on XX/XX/XXXX. I am still gainfully employed and working through my XXXX  XXXX. I can not afford to hire an attorney to defend this foreclosure. In my opinion this is a RESPA as well as a FDCPA violation that I will take to the Federal Deposit Insurance Corporation if necessary. I need an immediate notice from the offices of US Bank as well as the foreclosing lawyers that this action has ceased immediately. The attached documentation speaks for itself, proving that I have followed the proper procedures on my modification processing.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Below is a copy of my dispute letter i have received my credit report showing there is still collections on there that doesn't belong to me and that is coming back verified. I am asking that these collections gets erased from my credit report.
Consumer complaint received 2018-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

XX/XX/XXXX I called XXXX at XXXX XXXX XXXX XXXX as indicated in the Patient Statement they sent me. I spoke with Communications Manager XXXX regarding my bill for XXXX. After a lengthy talk, we agreed to a XXXX monthly payment to be charged to my credit card every XXXX of the month and such payment will commence on XX/XX/XXXX. On the same day XX/XX/XXXX, my card showed a transaction for XXXX which is against what we agreed on. 

XXXX has not shown good faith in dealing with me. I made several attempts to contact them since XX/XX/XXXX to settle the account. Despite the nagging thought that the charge was somewhat doubtful, I decided to just arrange a payment plan because I was still in recovery from my accident. However, their most recent act showed how they have been less than truthful in dealing with me. I am therefore, questioning the services rendered ( XXXX ) on XX/XX/XXXX which amounted to XXXX, not including the ground mileage ( XXXX ) for XXXX. I was in stable condition when I was moved from XXXX in XXXX XXXX, XXXX to University XXXX in XXXX. I want to know the details of ( XXXX ).
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I saw an article that Donald Trump proclaimed this week as National Consumer Protection Week so I decided to check my credit. I currently have a Capital One card that I opened in XX/XX/XXXX and is in good standing with no late payments. I noticed another account that I previously had was marked past due with the following late payments : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I had thought I made my payments on time and didn't realize I was ever late.
Consumer complaint received 2024-11-02
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. (MI)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WA)

Misleading, BAIT AND SWITCH campaign used by Chase Bank on behalf of XXXX XXXX mileage program. Advertisement promises XXXX bonus point if an individual signs up and charges {$2000.00} in 90 days. In XX/XX/2017 I clicked on this ( attached ) advertisement. I was issued a credit card from Chase bank, and as required, charged {$2000.00} in the first 60 days. The amount was paid off within the terms of the credit card. Within 60 days I was only " awarded '' XXXX bonus points and a {$200.00} statement credit. I'm sure Chase decided that this was a cheaper alternative than the the promised XXXX bonus points. When I signed up I downloaded and printed the original offer directly from the offer page of the internet. It is a clear case of BAIT AND SWITCH and deceptive business practice by Chase Bank. I clearly expected there might be a possibility that the credit card company might attempt such a scam which is why I copied the exact pages of the offer in advance. I have lodged a complaint with Chase only to be met with " you clicked on a different offer ''. I also lodged a complaint with XXXX XXXX. They indicated they would look into it. Consumers need to be aware of these poor business practices by Chase Bank and should do their homework before clicking on credit card offers. Documentation is key I believe in making Chase Bank/J.P. Morgan accountable for their business practices.
Consumer complaint received 2018-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX & TRANSUNION IS REPORTING LATE PAYMENTS FOR AN ACCOUNT WITH XXXX XXXX XXXX FOR XX/XX/XXXX & XX/XX/XXXX. I HAVE NOT ONLY ATTACHED A STATEMENT FROM THE CREDITOR SHOWING THAT PAYMENTS WERE MADE. XXXX & TRANSUNION HAVE YET TO UPDATE MY CREDIT REPORT TO RETRACT THE LATE PAYMENTS. SEE ATTACHED.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NE)

My former company failed to provide me with options when my husband lost his income due to work injury and later on job loss. This put us in a financial bind where I was told I could not get deferred payments or forbearance. All that eventually led to me being defaulted on my loans. I was sent to yet another company where I had payments taken directly from my checking to rehabilitate my loans. All went well and a year later I was out of default.

That leads me to my current situation with Navient. I received an email from them stating they were my new loan service provider. And I should expect someone to contact me soon.

That was in XX/XX/2017 I waited a couple weeks finally calling them myself. I found out the day I called them that my first payment of {$1200.00} was due that very day. Not having {$1200.00} just lying around, I asked what the grace period was and was not given a direct answer. I told them my husband 's income, but did not go through the income based repayment options. After stating what

his income was she said it dropped it by about {$100.00}. I stated there was no way I could pay over {$1000.00} a month. But I was wondering what my other options were. I was never given the opportunity to see if I qualified for IBR or and other kind of reduction in payments. I had tried to do all this via phone calls. Multiple times. I've tried to log into my account and request a temporary forbearance and everytime I begin the process I am logged out. I've tried to do the same but with IBR and again, I get logged out of my account. So now, I am past due on my account. Because I am past due, Navient is asking for all payments to be brought current immediately before I can explore any other options. I will keep calling until I can hopefully find a decent person to help reduce my loan payments.
Consumer complaint received 2018-12-10
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. (AZ)

Experian and XXXX failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

Its been very difficult to apply for the income driven repayment plan with Navient. They can only get my payments to {$180.00} a month, which I can not afford. They tell me that is the lowest they can get them. Therefore, I have been having to file deferments due to economic hardship. 

I also have been seeing this Navient Lawsuit of 2017 and am wondering if I am a part of this.
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

My mortgage was bought by a new company. XXXX. My loan is due on the XXXX of every month as per my original contract. I am supposed to have a 15 day grace period to pay my loan before I am charged any late fees. This new loan company is charging a processing fee based on how many days have passed from the actual due date. Example : if I pay my loan after the XXXX I get charged a {$5.00} processing fee. If I pay my loan after the XXXX then I have to pay a {$10.00} processing fee. If I pay after the XXXX, I am charged a processing fee AND a late fee. When I asked them about this fee they said it was simply a processing fee, however they are obviously charging customers based on how late they are. This is not in my original contract and I am supposed to have a 15 day grace period without any fees what so ever. They are just using the term processing fee other than late fee to get around this. They told me it was within their rights to charge me this fee. They are taking advantage of customers by doing this. My pay is bi-weekly and I cant always pay it right on the XXXX of the month every time. I should not have to take money out of my savings account to make my house payment just to avoid their processing fee. I have been charged his fee the past several months. Please do not let them continue this practice. They are just trying to sneak in extra fees on consumers hoping they can get away with it by calling it a processing fee. Thank you!