davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I visited a grocery store, XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and purchased groceries for the total of {$64.00}, the cashier accidentally charged me {$6400.00}. I did not realize this until after I had walked out of the store. I received a text message from Chase to verify the transaction, via which I declared the transaction fraudulent. I went back to the grocery store stated above and notified them of the error and that I declared the transaction fraudulent to my credit card provider. I then proceeded to have my brother pay for the groceries using his credit card for the appropriate amount. I did this as to void the entire transaction so I did not receive any benefit from the transaction for which I did not pay. On XX/XX/XXXX, Chase placed the charge back on my credit card account stating that I had received a benefit from the transaction and therefore it was not fraudulent. I contacted the merchant and they told me the funds were removed from their account by the credit card company on XX/XX/XXXX. They also provided me a screenshot of the transaction as proof. The merchant has agreed to resolve this issue by writing me a check for the fraudulent amount once they receive it from the credit card company if the credit card company is unable to resolve this issue. The merchant, XXXX XXXX, agrees with the statement above and have no quarrel with me about this transaction or receiving payment for the groceries. When I contacted Chase on XX/XX/XXXX in regard to this transaction, the agent on the phone notified me that Chase was in the process of transferring the money to the merchant. However, by XX/XX/XXXX the merchant had not received any funds. On XX/XX/XXXX I called Chase again and was told that the transaction will be expedited and the merchant will receive the funds within 72 business hours. On XX/XX/XXXX, the merchant, XXXX XXXX, told me that they had not received any funds. I called Chase again to see where they were with the resolution to my claim but I was unable to get in touch with a supervisor, the name of the agent whom I spoke to is XXXX. She told me that she is unable to provide me with the notes on the account and that she will have a supervisor call me back when one is available. I am still waiting on a call back.
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

On XX/XX/2018, I went on my online Nelnet account to check up on my student loans and the interest that is accruing on them. I am on a REPAY plan and I frequently check the amounts and pay the interest amount at least once per year in order to stop the interest from becoming capitalized. I noticed that some of my loans had listed that some interest had capitalized. I called Nelnet the same day I noticed the capitalized interest listed to find out when and why it had happened. I was told that interest capitalizes when payment plans change but had to repeatedly ask for when the interest was capitalized. I was incorrectly told that in XXXX my loan payment was changed to REPAY ; it was, in fact, not changed it was renewed and as stated in the renewal application would not cause capitalization of unpaid interest. After asking a number of times I was then told that interest capitalization had occurred when my student loans exited the six month grace period after graduation. I had made a payment before the end of the grace period in order to avoid capitalization and mentioned that to the customer service representative. I asked for how my payment was allocated to the loans and was told that some of the payment was allocated to interest then principle balances and some of the payment was allocated to principle balances despite the fact that the payment was sufficient to cover the interest of all of the loans. I asked why that had happened and waited a significant amount of time on hold to be told that it was, in fact, mis-allocated and the payment should have gone to all interest before paying any principle balances. I was told that I can reallocate this payment to cover the interest but because the mis-allocation had taken place close to a year and a half ago that all payments would then be affected and my loans could become delinquent. I am worried this is could be intentional to cause capitalization of interest.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (SC)

XXXX had automatic payment agreement with me to deduct {$500.00} from my account in XX/XX/XXXX and XX/XX/XXXX and then XX/XX/XXXX they charged me the wrong amount of {$600.00} which caused my business to have 3 overdraft fees. I emailed them on XX/XX/XXXX as well as XX/XX/XXXX which was the original method of setting up this agreement and told them of the problem and to STOP ACH withdrawals immediately. I disputed with my bank and retrieved my money. They never responded to these emails even though they did with no issues setting up the payment arrangement. On XX/XX/XXXX they once again charged me {$600.00} even though I had sent in writing to the department that set up the original agreement and cancelled authorization to ACH withdrawals. I want my {$600.00} returned to my bank account ASAP. I disputed with my bank and this company lied and said they had permission to debit my account. 

The account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (CA)

I Had taken the covid vaccine and had XXXX strokes and I almost lost my house and California relief XXXX helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost killed me! so sad. XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and there is other late payments that are inccorect
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been making my payments on time for last several years by My XXXX XXXX billpay. Recently I began receiving several calls from you. 
I called today to find out the problem. I didnt think it was the payment because I knew I was sending the payment every month. The representative told me that I sent in The wrong amount. I did NOT receive anything telling me the payment had changed So I continued to send the usual payment OF {$980.00}. I was told that the payment had changed for the XX/XX/2018 payment from {$980.00} to {$1000.00} a difference of only {$72.00}. I did NOT get anything in the mail ; it may have been lost. I get other peoples mail in my box all the time.I spoke to XXXX in the Escalation Dept. # XXXX who payment to cure the shortage. 
. I have now corrected by billpay to reflect the current Monthly amount of {$1000.00}, which will be sent going forward. 
Please exercise your discretion under the circumstances and waive any late fees and correct my payment history.
Consumer complaint received 2018-03-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OK)

I opened a student loan ( with my father as the co-signer ) on XX/XX/XXXX for a Disbursement of + {$3100.00} to attend College. A year later, while still attending school, I needed more money for books so on XX/XX/XXXX the same loaner loaned me a Disbursement of + {$2700.00}.

For the last 12 years, I have been paying on this loan never missing a payment. At least 3-5 times my loan has been sold to other companies, without my knowledge and/or approval. In addition once my loan was sold to other lenders, the other lenders hit me with higher interest rates that I never agreed to or had knowledge about. I continued to pay my student loan every month.

My records show on these dates below, throughout my loan, interest was capitalized on these days :XX/XX/XXXX

I have made monthly payments on this loan every month since XX/XX/XXXX, my student loan bill always has a different amount due. I have went from a $ XXXX/month payment in XX/XX/XXXX to a $ XXXX/month payment this year in XX/XX/XXXX. I have kept records of all my payments made.

According to my lender my current balance due to pay off this account *today* is {$5900.00}, although I have paid for the loan 12 years never missing a payment, and 12 years ago only borrowed a total of {$5800.00}. With that balance left I would be again paying them for a third time entirely for what I borrowed! My records indicate that due to the longevity that I have paid on this loan, I have now paid off this student loan entirely twice with interest! I feel the agreement set forth by the original lender was never met, due to my loan being transferred/sold, due to interest rates being changed without my knowledge. I feel the terms set forth on this loan are & have been unfair. In addition, because my father co-signed for me while I was a young student & I make all the payments myself for the last 12 years, I would like my cosigner to be released from any financial responsibility & obligation on this loan.

When I tried to resolve these inconstancies with the lender yesterday to close my account, I immediately got some link sent to my email for an interest rate reduction. I was also told I can forward a letter to the sender with a request to settle amount. However, I do not desire an interest reduction ( after 12 years this is the first time they offered ) nor do I feel a settlement amount is fair for I've paid them twice & they are billing me now a third time. This lender currently shows my balance after 12 years of payments very close to what I originally borrowed. I feel I have paid this lender in full already as my amount totals in payments to twice that of what I borrowed. I feel that the lender/s are being unfair on this private student loan & would like some professional assistance in reviewing. Thank you very much. I have copies of all my payments & statements I am attaching to this complaint as well.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-11-07
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. (TX)

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 2018-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TN)

I was a fitness member at the XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX located in the XXXX XXXX in XXXX, TN. In XX/XX/XXXX, I was getting ready to relocate to another area in the city and decided that I would no longer need my membership. I went into the fitness center and requested to cancel. I never signed a contract to become a member and there were no fees to cancel. XXXX told me that I would have to put it in writing. He wrote all of the information down and I sent a letter to have the payments stopped. Somehow in XX/XX/XXXX, a collection agency reported that I owe {$160.00}. The debt is inaccurate. I have never received a notice from XXXX XXXX XXXX XXXX or Aldous and Associates. The collection agency claims to have been reporting since XX/XX/XXXX and I have never heard from them. This information just popped up on my report in XX/XX/XXXX.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Ive respectfully submitted a complaint # XXXX with The Consumer Financial Protection Bureau with the intention that CFPB is an independent federal agency built to protect consumers, write and enforce rules that keep banks and other financial companies operating fairly and also educate and empower consumers, helping them make more informed choices to achieve their financial goals. I believed in those goal and respectfully submitted my complain via your website complaint number XXXX in regards to what I believed was a direct violation of my Fair Credit Reporting Act 15 U.S.C 1681g ( I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their files at the time of my request concerning accounts that is reporting in my credit report. ) Ive submitted my complaint on XX/XX/XXXX and received a companys response on XX/XX/XXXX with response type Closed with explanation. However, the response I received back from Experian did not fully address my issues or demands. Experian did not acknowledge the additional information Ive provided and the most current 3 disputes Ive submitted in the months of XXXX and XXXX in which I uploaded via your website proof of additional information which I provided to you ( Certified mail cards, debt validation letters I sent to the companies certified mail or my 3 previous dispute requests. I upload a total of 9 items and receive a Company response which ignored all relevant information coming from me the consumer.
Consumer complaint received 2018-02-15
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. (NC)

I thought I was only applying to one company when I got approved to buy the car. 

I've had XXXX credit cards for nearly a decade and my XXXX XXXX for 12 years before the transmission went out. At first I was happy when I learned XXXX joined with them as a lending partner. However only 3 weeks later I'm getting barraged by with hard inquiries ( XXXX ) related to my purchase on XX/XX/18. 

This also comes after I reported a screw was lodged firmly in my front-right tire of the XXXX XXXX XXXX I purchased. 

I haven't made an insurance claim. It could be coincidence after I scheduled an appointment to have the screw removed. Bottom line : Why all the sudden do I have all these inquiries? 

Reports are as follows : XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX   XXXX XXXX - XX/XX/18
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greystone Alliance LLC (NC)

They continue to contact me, my spouse and other family about a debt that they never tell me abouy. Only debt on my credit report are medical bills most others have been paid or canceled. They say they ha e filed a formal complaint and if no answers theyll contact the proper authorities for next legal steps for jail. I know its a scam but theyre ringing my phone multiple times a day several days a week and it interrupts my work day. The number is XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (TN)

I filed a complaint on XX/XX/year> complaint ID XXXX. All they did was lie about us not making payments and they returned my checks. They didn't and I went back to my bank and got proof of every payment which they accepted. They did not sent out the notices they said they did. This bank is getting by with ripping people off and getting by with it. One of they ways they are doing this is because they think they can sell your home before you find out about what they are doing and their customers can't afford to fight with them! If you don't believe this look at all the complaints they have against them.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, i sent a requests to Equifax and XXXX to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from Equifax stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling Equifax on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called XXXX on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into Equifax and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Consumer complaint received 2018-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GMA Investments, LLC (MN)

On XX/XX/XXXX I applied and received {$600.00} payday loan by a company known as XXXX XXXX XXXX. In XX/XX/XXXX payments withdrew on paydays for {$190.00}, then 2 payments in XXXX for {$190.00}, It became overwhelming to repay and remaining payments were returned by my banking institution. I was contacted in XX/XX/XXXX by XXXX XXXX   stating they had a check they were investigating and threatening legal action. I returned the call and agreed to three payments of {$500.00}. The first two went through and then I was advised not to pay them anymore due to certain rules for payday loans and the amount of interest they can charge the consumer. Today, XX/XX/XXXX they called my work and spoke with a coworker and requested to verify employment but then also stated to my coworker that they were investigating a check. I was so embarrassed when my coworker approached me with the message. I was under the impression they can not discuss any of that with employers. I called their number tonight and requested a recorded line and stated they are no longer to contact me at my place of employment.
Consumer complaint received 2018-02-15
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. (TX)

the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX