davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
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. (NV)

I am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

The XXXX card was opened in error in XX/XX/2017 when a XXXX card system failed in the store to accept an already valid account card. The application for the new card was told to have been terminated in the store once I realized the process was actually opening a new account, accessing my FICO scote, and adding an additional account with the creditor. Instead, I started getting calls in the first month about the charge. I asked that the charge be verified as well as the validity of the account. Instead, collection continued and another charge added to the account, which was also questioned. After I figured out on my own the error of opening a new account altogether in the store instead of fixing the problem accepting the card/account I already had, the new account had been listed as delinquent without validating any of it. This is notably a one month delinquincy report affecting my entire FICO category. I paid in full and never received the late payment fee reversal. Also, the account was requested to be closed months ago.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (AL)

I called PHH Mortgage Services, my mortgage servicer, on XX/XX/XXXX requesting to cancel my PMI since I am at 79 % on my loan to original loan value. They stated that they would send me the packet for cancelling PMI and it would be received at my house within 7 to 10 business days. As of XX/XX/XXXX ( 14 business days after my call ), I have still not received my packet. This is the second time I have tried to cancel PMI and both times they have slow played the process and used sketchy business practices to keep their PMI proceeds coming in. The first time was in the summer of XX/XX/XXXX. We purchased our house with 10 % down and then completed approximately {$40000.00} worth of renovations to the kitchen and flooring of our home that we purchased for {$180000.00}. In addition, the approved appraisal of our property used to close our mortgage loan in XX/XX/XXXX was for {$230000.00}. After 2 years of on-time payments, I followed the process to remove PMI based on the argument that the money we had put into the house plus the equity we started with according to the appraisal they approved at closing brought us below 80 % of the home 's value. As part of the process, we were required to allow an appraiser that they selected value our house to ensure that our loan balance was less than 80 % of the home 's value. Shockingly, the appraiser they selected determined that our house had gone down in value from {$230000.00} at closing in XX/XX/XXXX to {$200000.00} in the summer of XX/XX/XXXX even after we put {$40000.00} into renovations. The number that their appraiser came up with was mysteriously about {$4000.00} less than the value we needed for the home to be able to cancel PMI. I sent in a detailed report stating why I believed that his value of our home was incorrect and I was denied any kind of serious follow up from the mortgage servicer. PHH mortgage is clearly trying to use every trick in the books in order to keep their precious high margin PMI in place.
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MIDCOUNTRY FINANCIAL CORP (FL)

This is an ECOA complaint for unfair lending practices. XXXX XXXX XXXX Made two loans to me between XX/XX/2017 and XX/XX/2018. The first one was for XXXX and the second one for XXXX. I payed them off within 3 months time and with no late payments and when I applied for the 3rd one I was denied and given this message that I had to credit to receive the loan. I was rejected for no reason and as if I were never a customer with them to begin with. I have all of my payoff emails and documents from the bank as well as bank statements to prove the dates the loans were deposited to my accounts. 

" '' '' Unfortunately we were unable to approve your loan request due to delinquent past or present credit and/or limited credit experience. We consider all possible loan options during the evaluation process, if a counter offer could have been made at this time, we would have done so automatically. Should you have any further questions, please feel free to call us at XXXX or XXXX. XXXX XXXX XXXX XXXX A Division of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone XXXX Fax XXXX '' ''
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Wrong Bank information about credit usage and balance owed passed onto the Credit Bureau resulting in my credit score dropping, also by having two late payments on two credit cards accounts my score dropped over XXXX points. XXXX XXXX, XXXX XXXX XXXX Bank reported 115 % credit limit in the amount of {$450.00} my limit is only {$400.00}, this showed up on my credit report in XXXX. XXXX. XXXX Bank reported incorrect balance owed, in XX/XX/XXXX. I have an account with XXXX XXXX and disputed this matter and it was submitted on XX/XX/XXXX as of today XX/XX/XXXX it's not completed I called XXXX it was told too me an investigation was done and a report was submitted. I notice on my credit report in XX/XX/XXXX on both accounts it showed the correct amount owed but my credit score never changed, my accounts shows Good standing but my credit score continue to drop.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have reported to this company that they have my information mixed with someone else. I have sent over proof identity theft to this company. This company has removed their name from my XXXX   account after I disputed with them through XXXX, and left the fraudulent reports on my XXXX and Experian accounts. I am willing to file a lawsuit against this company! I want to be treated equally as all Americans. I lost my father and Im trying to get his house thats up for sale done its been repossessed. This company is blocking me from my right to fair credit reporting. Ive spoken to a lady name XXXX who was rude on the phone saying you people always want to complain and she hung up! Ive never been treated like this in my life. Please have this company remove the fraudulent report from my credit report and charge whom ever you have an account with. Im at a lost for word with this bank. I will file a lawsuit against them and if Im not able to get the house that my father had, they better be willing to pay for my Discrimination Attorney!
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CA)

Back in XXXX I got two small loans. Both were subsidized and together equaled about $ XXXX. My loan was with a certain lender and in XXXX Mohela bought the loan. Ive been out of school since XXXX and have made every payment possible. Since the beginning I registered for automatic withdrawal from my bank account. I have Never missed a payment. I am in shock that even after 10 years that loan has not been payed off. I still owe about $ XXXX! These lenders take just enough to keep this loan active as long as possible and get as much interest as possible. There is no reason why so little is withdrawn from my account and therefore extending the length of the loans.
Consumer complaint received 2018-09-24
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. (WI)

******Second Request********* In complaint XXXX after explaining why I had a difficult time understanding the results of the investigation conducted by TransUnion on or around XX/XX/2018, regarding three collection accounts ; I demanded a detailed description of the methods used to verify the information on my credit report. According to the FCRA when demanded a credit reporting agency must supply a detailed description of how they conducted their investigation. The FCRA also reported that failure to provide such information may be punishable by civil penalties. Instead of providing the demanded information, TransUnion opened another investigation. I did not request an additional investigation but rather a comprehensive description of how they conducted their investigation.
Consumer complaint received 2018-09-24
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: American Credit Acceptance, LLC (GA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/2018.
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I have advised the CEO of this company twice about their practice of billing my account when I have cancelled the payment. Whenever, I cancel that payment and advise them that I will make the payment on another date they still BILL my checking account thereby causing my checking account to to overdrawn. I discussed the second billing with them on XX/XX/2018 to cancel a payment they billed my account on XX/XX/2018. again this is the second time that this has happened. Account # XXXX -their phone number is XXXX and their fax numbers are XXXX XXXX
Consumer complaint received 2018-09-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TN)

I have a VA home loan and my loan servicer has been Dovenmuehle Mortgage since XXXX of XX/XX/XXXX. Every month, I pay into an escrow account and they are supposed to pay my home insurance company. Dovenmuehle Mortgage did not pay my insurance premium and then bought insurance through their company at 3 times the rate. Every time I call to try to resolve this matter, I'm given the run around and nothing gets fixed.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX I contacted Wells Fargo corporate because I had an experience in a local branch where they told me that they would no longer accept loose change for mortgage payments. 

During this contact, I asked Wells Fargo that per The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender, '' which states : " United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. ; Can you please confirm that Wells Fargo complies with the US Law to accept all US coins, Federal Reserve bank notes, and national bank notes that are legal tender. Please also confirm if there is a limit to the legal tender accepted. 

The response I received is Effective XX/XX/XXXX, all self-service and behind-the-counter coin-coining machines where removed from our branches. Due to this, we are no longer to accept loose coin ; however ; we will provide coin wrappers for your use. 

This statement leads me to believe that Wells Fargo is not complying with The Coinage Act of 1965, specifically Section 31 U.S.C. 5103, entitled " Legal tender. 

Additionally, I do not consent to call recording from Wells Fargo, if they wish to resolve this issue, they shall do so via mail.
Consumer complaint received 2018-09-24
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. (CA)

I have been unemployed for over a year. I was approved last year for an income driven repayment plan. Because I am still unemployed, and my unemployment benefits also ended as of XX/XX/XXXX, I requested a renewal of income-based repayment for the coming year. Although Navient says that my request was approved, 1 ) I was not told the amount until less than a month before the next due date, 2 ) when I called I was told there was nothing that could be done over the phone and that the only way to address the problem was by beginning the 3 month (! ) process all over again, and 3 )  the amount of the payment increased by more than 300 %. 

The dates and documents involved were the following. Please note that the dates of my document submission are approximate because the Navient website is not currently displaying incoming correspondence for my account. 

1 ) I submitted my request for renewal of income-based repayment late XXXX early XX/XX/XXXX. 

2 ) I received a request from Navient for further documentation on XX/XX/XXXX. 

3 ) I uploaded the further documentation during XX/XX/XXXX. 

4 ) I was notified that my renewal had been approved on XX/XX/XXXX. 

5 ) I was notified that my monthly payment is now {$260.00} on XX/XX/XXXX. This is one month 's notice of a $ XXXX increase from {$66.00}, and was given nearly two months after the notification of renewal. 

I believe Navient is acting in bad faith for several reasons. 

1 ) The documentation requested by Navient was my most recent Federal tax return, for XXXX. This tax return shows income I made before unemployment began. I was told by customer service when I called that this tax return was the basis for raising my payment amount. It is easily discernible based on all of the other information that I provided that I have been unemployed since the summer of XXXX and that this tax return is not at all representative of my present income in the autumn of XXXX. 

2 ) A review of this decision should be done without having my having to go through the same process -- which took 3 months this summer. 

3 ) There was no reason for the 2 month delay between approval of the renewal and the disclosure of the new payment amount, which came as a surprise and a shock to me. 

4 ) The website does not show uploaded documents. 

I suspect that Navient is trying to avoid honoring the terms of the Income Based Repayment Plan by shifting people in my position to deferment programs instead by increasing repayment without reason, and with unaccountably late notice. Navient is already facing lawsuits for denying borrowers recourse to these programs designed to help borrowers, and I believe this is an extension of that bad faith activity.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, 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. (CA)

XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 XXXX XXXX   XXXX XXXX XXXX from XX/XX/2018 XX/XX/XXXX
Consumer complaint received 2018-09-24
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: AMERICAN EXPRESS COMPANY (WA)

American Express Fraud Department investigated and per my request closed the card ending in XXXX XX/XX/XXXX. 
American Express then drafted a letter of apology for me to send to XXXX & the other two credit reporting agencies that the XXXX account was a result of fraud & I was not responsible. ( I did mail that letter to XXXX, XXXX & the other credit reporting agency. 
Now 4 years later, the American Express account XXXX has some way been resurrected by American Express resulting in my receiving a request for payment on XX/XX/XXXX. 
I waited to see if American Express would see their fraud department letter sent in XX/XX/XXXX & cease the harassment but another request for payment on a resolved/closed fraud account has been ignored.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (NY)

The specific creditor has exceeded the followings : 1 : Credit Score 2 : Frequent Calls 3 : False Accusation 4 : Harassment The reason I am not giving them debt is because I never made the account as the account was made under my Mothers name, as the specific Payment was not under my credit/debit cards ( Master XXXX / Master XXXX ) but the account was made on my name and my Phone number. 

This company has been frequently trying to call me every Week for debt I don't owe, and when I checked my credit score via XXXX XXXX, this company has hurt my credit and I want this to stop right now.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MD)

My complaint is false advertisement on XXXX XXXX rewards system that needs to be investigated. I have a XXXX credit card under XXXX XXXX. The rewards points with XXXX credit account is under the management by XXXX XXXX however the Bank refuse to correct the fraud. It started off with the accumulation to XXXX ( See Attached ) which I had and XXXX sent me by email the rewards certificate {$30.00} by email Rewards certificate XXXX ( See Attached ) which I never used because the rewards dont work. 
As you review XXXX XXXX points under XXXX credit card they put a minus on the XXXX points. After I seen this I sent several emails to XXXX   XXXX and calling to correct this issue that I never used these points ( See emails attached ) Then as you review the XXXX credit card reward points XXXX XXXX made an adjustment of my points XXXX never gave me the full XXXX points that I never used and the purchases I brought. 
On XX/XX/2018, I sent XXXX XXXX XXXX several emails that the rewards number isnt working because I cancel my order however I received an email response however no assistance except that they cut my points to XXXX ( See Attached ). However, on XX/XX/2018 after several emails attempts and phone calls to XXXX XXXX I received an email that my points are XXXX and leftover points XXXX ( See Attached ). I refuse to order anything until they repair the reward system. Even though, I made a return on XX/XX/2018 I should have XXXX - XXXX = XXXX reward points, I made a lot of purchase under XXXX ( See Attached ), XXXX XXXX credit department don't communicate well and support reward points being stolen from me. However, XXXX XXXX are refusing to correct this error, maliciously continuing to fraud the rewards system and I am requesting an investigation on these fraudulent matters. I believe they are violating the Fair Credit Billing Act, The Credit Card Accountability Responsibility and Disclosure Act and credit card fraud on rewards. 

Attachments Several email communications to XXXX XXXX XXXX credit card XXXX XXXX email me points XX/XX/2018 XXXX XXXX   rewards list is wrong XXXX XXXX mail rewards {$30.00} XX/XX/2018 CC : Federal Trade Commission FDIC Department of Justice Congressman
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is with certainty that the XXXX XXXX XXXX loans were fraudulent. TransUnion and XXXX XXXX will be liable for not reviewing the Federal Trade Commission Report, which is the Identity Theft Report stating factual fraud that took place. Both companies will be the subject of a lawsuit for punitive and compensatory damages for their lack of understanding of laws governing identity theft victims. I've given ample time to XXXX XXXX and TransUnion to survey concrete evidence of the fraud that involve both XXXX XXXX loans. Thank you.