davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

On XXXX, I received a letter from XXXX stating that I had defaulted on my Perkins loan. This is the first communication I received since graduation about this loan. When I graduated, my loan was being held by Campus Partners, which was being purchased at the time. I created an account with Campus Partners, to pay my loan. However, they did not allow anyone to begin repayment of their loans, due to their company being purchased by another. Therefore, I was unable to pay my loan. Now since my loan is in default, they want me to pay the interest on the loan plus the principle amount. I was more than willing to pay my loans, which would have been without interest at the time. I immediately contacted XXXX, after receipt of the letter, to try to figure out how my loan became in default. They said that I needed to talk to the company ( ECSI ) who now owns my loan. Therefore I contacted ECSI by phone. When I finally was able to speak to someone, they were extremely unhelpful, and before even getting to the reason for my call, they hung up on me. Since I never got any information from them by phone, I looked for another method. They had an online chat available, so I tried chatting with them. 
From this, they said that they were sending me information, but it was all being sent back ( because they were sending it to my address without sending it to my apartment ). I questioned them on why they had the wrong address, and they said it was given to them by Campus Partners. Then I asked why they did n't contact me by phone or email? They replied that it was against my schools policy. I never got to ask why they did n't just contact my school to request my address. However, they said there is nothing they can do and I just have to pay the loan and the interest that accrued. I told them that I would be more than willing to pay my loan minus the interest, since that is what would be fair, this being the first contact I received. However they said that I needed to pay the interest as well. So I asked to talk to someone who could help me straighten this situation out. They referred me back to my school. So I contacted my school by phone and email. They said they would look into it. I just received an email today from XXXX stating that there is nothing they can do, and I just have to pay the loan plus this accrued interest. I do n't see why I have to pay interest on a loan that I never had the option of paying before the loan. The company or XXXX did n't do their due diligence in acquiring my correct address, which XXXX had. XXXX never even contacted me by phone or email ( which they set up, my XXXX email address ... ) to let me know that my loan was transferred to ECSI and that I would need to pay my loan through them. What they are doing is a complete Scam.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?
Consumer complaint received 2016-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AL)

Original Servicer for my Mortgage was XXXX XXXX XXXX who went bankrupt and sold my loan to XXXX XXXX, then sold to XXXX ( XXXX ), who stated during the time of the loan, there had been no payments for the past 389 days. In the mist of resolving the problem ( during my own investigation, retrieving documents from XXXX XXXX verified since all payments were sent by US Mail, because checks were not permitted while in Chapter XXXX. XXXX sold the loan once again to Seterus and added {$25000.00} to the loan. Home purchased at $ XXXX on XXXX XXXX XXXX. While in Chapter XXXX, since XXXX fees were assessed, cost of misc issues assessed. I have a copy of the letter sent to me from XXXX XXXX stating the monies sent to XXXX XXXX for payment of mortgage. I was not sure where to start here but I knew as soon as my BK was cleared I could take some kind of action. I could not afford a Lawyer because all my funds were accounted for. During this time I had to file BK to save my home, we have been in the home for 8 years. Seterus offered me a modification at {$44.00} less than my original payment of {$1700.00} which did not help after 6 months to process. They offered me nothing at this point accept for the XXXX options : Deed in Lieu, Short Sale, or Foreclosure. I have opted to use the Deed in Lieu, which was the only viable option and protect my credit from further damage. In XXXX became XXXX and had to retire from my job which was a lost of $ XXXX a year. This is just the nuts and bolts of this claim and this has had a detrimental effect on my wife and I, who is XXXX as well. I asked for a VA Loan since I am a XXXX year Veteran and they gave me the rules in spite of this gross error in accounting and servicing of my loan.
Consumer complaint received 2016-04-26
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (IL)

I went into XXXX in XXXX IL on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3. I told the sales consultant XXXX XXXX that I only wanted to do a test drive and I was not interested in buying a car that day. I also advised the dealership that I am a victim of identity theft and I did n't want multiple inquiries on my credit. I found out later there were XXXX inquiries on there. I found out about 3 months later because I verbally complained to Chase that Mazda Capital Services was part of Chase Bank which no one from the dealership told me. I called Chase because I was upset about the inquiry, XXXX from Chase advised me the dealership should have disclosed that information. She tried to get the inquiry removed but the sales manager XXXX claims they did not do anything wrong. She also advised me the way the system is set up, the first inquiry is from the dealership and the second one is from Chase and advised me the dealership was suppose to tell me that. I found out this information on XXXX/XXXX/XXXX after I purchased my vehicle from them on XXXX/XXXX/XXXX. The general manager XXXX XXXX claims I gave permission to have my credit ran. I am upset the dealership did not disclose all of the information. I spoke with the finance manager, XXXX and he never advised anything about Chase approving the loan. I was advised by an attorney to file a complaint here because this is considered to be fraud.I have documented several conservations with XXXX that advised the dealership was suppose to disclose that information to the consumer since the loan was approved.
Consumer complaint received 2017-02-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (MI)

A total of {$1400.00} was withdrawn from my account via " Chase ATM withdrawals '' at a Chase ATM in the Chase bank I bank at and originally opened my account at. This amount took the form of XXXX ATM withdrawals in the amounts of {$200.00}, {$200.00} and {$500.00} in a period of a few minutes. Two days later an ATM withdrawal of {$500.00} was done at the same ATM. I have not used this ATM in months ... It 's completely fraudulent, and Chase has told me that they will not refund any of the money because they are ATM withdrawals and they claim it 's impossible for it to not be me. Well obviously it 's quite possible, because it was n't me!! 
I opened a police report over the weekend to hopefully obtain a subpoena so that the video can be looked at and the scammer can be caught. I 've yet to hear anything back from the police however. The police report # is XXXX
Consumer complaint received 2017-02-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AmeriCollect (TX)

Medical bill is over 6 years old and was already paid. Collection company requesting payment for medical bill without disclosing the date of service for medical bill. Appears to be one that was already paid in the past. Need correct date of service and age of this bill to prove they were already paid for three years ago..
Consumer complaint received 2016-10-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (NE)

I held an XXXX credit card while XXXX XXXX military that was unknowingly written off to TransWorld Systems Inc ( TSI ). TSI has garnished my federal tax returns without a court order and refuses to send me any information regarding my account. I have asked repeatedly over the last 18 months for a written statement disclosing my account number, monthly fees, interest rate and current balance. I have yet to receive anything, yet my account balance is still raising astronomically each month. I have spoken with a lawyer regarding the unlawful tax garnishment, but was told I can not do anything about it. TSI has deceptive debt collection practices and is ruining my credit no matter how hard I try to resolve the issue.
Consumer complaint received 2017-04-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (TX)

Affiliate Asset Solutions mailed me a letter to collect {$20.00} and {$18.00} for an emergency room visit on XX/XX/2016. I wrote back to dispute the validity of the debt because I paid the amounts described on XX/XX/2016 to the original creditor, XXXX. I provided a printout of the original creditor 's web account showing I paid the listed amounts and that I paid a total of {$240.00}. Affiliate Asset Solutions responded with a letter indicating that the original creditor showed the amount owed was XXXX, but that the balance due was the total {$1300.00} billed because the account was charged off as a delinquent account. The bill Affiliate Asset Solutions provided as proof of debt misrepresents the amount owed to the original creditor because XXXX has already paid the contractual amount of {$240.00} and I paid the patient portion of {$240.00}. Affiliate Asset Solutions is collecting more than the amount originally agreed upon in writing between XXXX and XXXX. I was assured by my health insurance that I may not be billed the difference between the amount billed by the original creditor and the contractual amount allowed by my health insurance provider. Affiliate Asset has also listed the alleged debt at both {$38.00} and {$1300.00}.
Consumer complaint received 2017-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I took out a loan and started to repay it in   XXXX   2017. I contacted customer service over and over trying to pay more than was requested every month. It was a nightmare, left me in tears. I finally have up and found out right before the loan was to begin what the amount was. These people are horrible and have terrible customer service. It is a nightmare that I have to deal with them for the next ten years!!!
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is at it again with their overdraft fees. I check on my account at least every other day. Sometimes I do not have access to a desktop and use my mobile banking to check balances and such. They have created a new trick which allows you to see your " account balance '' on mobile devices but apparently it 's not a true balance. I.E : the statement page shows a balance of {$25.00} but at some point over the last 24 hours unbeknownest to the customer, a debit will have hit the bank ( I know that occasionaly my auto bills will come a day or XXXX early without warning ). Bank of America hides this information on a page that is not available through mobile banking and even on the desktop is difficult to find. They then wait until they have extracted their {$35.00} fee to even send an alert giving the account holder no fair warning to be able to put funds in before the item causing the fee posts. I received an email at XXXX today, checked my account, showed an available balance of approx {$50.00} after the supposed insufficient item that triggered the fee but on their other page which is conveniently not readily available, it shows differently. This secondary tab also shows " available balance history '' and " statement balance ''. In other words, the balance that they give you ready access to through mobile and first sight on a desktop is completely different then what they claim your balance is. I.E : my available ending balance on the " hidden tab '' is $ XXXX but my statement ( what I can see when checking in on my mobile device and the first screen on my website ) is {$51.00}. They deliberately hide your true balance, do n't send notifications warning of insufficient funds until the middle of the day after they have already hit you with a fee and do n't give you opportunity to get funds deposited before taking their fee ( e.g XXXX sends an immediate alert and gives you 24hrs to deposit funds before charging a fee ). I have lost over {$100.00} with this sneaky practice over the last year. I am pretty diligent about making sure money is there to cover bills but occasionally a company will post early without my knowledge creating this nightmare. If I had visibility to it when it happened and had a chance to deposit funds, there would never be an overdraft fee but as usual Bank of America has found another way to steal money off their customers.
Consumer complaint received 2017-02-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AZ)

I 've been trying to complete an escrow buydown with Wells Fargo since XXXX to prevent my mortgage payment from increasing. I originally received notice of this with the name and number of a mortgage specialist to assist me with this process. I called and left numerous unanswered messages. I spoke to various representatives by calling Wells Fargo 's 800 number and nobody could help or get my situation straightened out. I finally made payments over the phone with a representative named XXXX who assured me my account would go back to the previous mortgage payment. Instead, as predicted because I have had similar issues with Wells Fargo in the the past, my account shows late payments. I have made each monthly payment timely, but my account has not been corrected yet and my escrow payment went toward principle. My account has been incorrect for XXXX months. I was told it would be fixed by the beginning of XXXX. This is showing poorly on my credit. My account now shows that my XXXX payment is delinquent, which it is not. I want this remedied immediately! I have made weekly calls to Wells Fargo with promises it will be fixed without remedy. I am sick of calling to follow up about them screwing up my account. It is a waste of my time!
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Filed a complaint with Capitol one credit card company requesting that they investigate credit card fraud. My information was stolen and used without my permission. And pursuant to the request that they cease in reporting it as a delinquant issue on my credit report. I recieved an answer that they verified that it was my card, however that wasnt the complaint the complaint was that it was used fraudulantly. They refuse to close and remove the negative information from my credit report. I work for the DOJ and I am a Military VET this is hurting my ability to advance my career and also buy a home for me and my family.
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I have received an escrow statement that indicates a SHORTAGE in large bold type and offers Payment options to address the " shortage. '' On closer reading, based on the differences shown for current and new payment, the shortage appears to be an OVER-PAYMENT since the New payment ( to correct the shortage ) is LESS THAN the Current payment This is highly misleading and appears to be an attempt to trick me into making an unnecessary payment for a " shortage '' that does n't exist. 
If it 's an Over-Payment as apparently it is, why did they label it a Shortage? And, why is there a demand for payment?
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed a collection account with Transunion, the account is from XXXX, XXXX, XXXX XXXX XXXX XXXX. Transunion verified the information, but has failed to respond to my request for their method of verification as the information is not correct. In addition, the account is being reported as open with a balance, but the attached screenshot shows it was closed in XXXX 2013. In addition, it states the original creditor is " XXXX XXXX XXXX XXXX '', but I contacted them and they said I do n't have a balance with them. I do n't see how they could have verified this information was correct.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2017-03-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Neon Newco Corporation (GA)

On XX/XX/XXXX I purchase a prepaid Visa NetSpend credit card at the corner Check Cashers close to my home after arriving back home I attempted to activate their credit card where I was placed on hold a number of times after 45 minutes a representative informed me that my card can not be activated due to a past due delinquent account with the same company " net spend '' which they indicate {$1000.00} purchase at XXXX in XX/XX/2016 I have never had a card with this company not credit nor prepaid '' and I do n't understand how you can have a balance on a prepaid card also listed under their terms and conditions you must have a direct deposit set up on ur account '' to even be allowed to overdraft I 've. I 've never had the direct deposit anywhere ever '' paid in cash. I literally stayed on the phone with these people for two full days being placed on hold being hung up on twice being rerouted to other operators itwhomwas unfamiliar with the situation '' I demanded the release my money and activate the card however that did n't happen they just took my money {$180.00} and they 're only concern was to convince me to pay the remainder of the XXXX they said I owed they could not disclose to me the location or phone number or any contact information of this XXXX where they indicate I may day {$1000.00} purchase '' I do not owe this company I 've never had an account with this company. I have never had a direct deposit with any company '' they 're just trying to shut me out of my money also upon investigating on the internet n read how they are currently involved in a class a lawsuit filed back in XX/XX/2016 for basically the same scenarios stealing money from card purchasers the company reacted to me in a manner as if I was a thief and they were a victim when I was the victim all I know is this has been a nightmare I simply just need my money back that they took for no reason please help thank you for your time and consideration
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

Filed a complaint about Amex telling me on XXXX different occasions that I was eligible for XXXX point offer. I told Amex to check their phone recordings in XXXX XXXX and XXXX XXXX XXXX and they said they were not available. CFPB notified Amex about my complaint and they sent me a letter. The letter states that they did review the phone listings and the representatives did not inform me of my eligibility. So XXXX lies XXXX they were not available and XXXX if available there would support my case. Amex includes a general phone number for some not involved and ca n't really respond. I asked the general rep. to request the consumer advocates dept.. for the transcripts of my call on XXXX XXXX to employee XXXX. Its a nice smoke screen that most people would just give up. They made a mistake and at least I want an apology