davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-04-27
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. (MS)

XXXX XXXX incorrectly reported a 30 day late on my credit report due to technical error on their tech side. After documents and several dispute processes, all reporting agencies except Transunion have removed inaccurate reporting. I attempted to contact Transunion on multiple occasions only to hear every single time they are experiencing extremely high call volume. After a long wait,,,,, their call center is in XXXX with people that I can not understand! I opted to take part in a brief survey, big joke. No real survey. Survey company never contacted me. This horrible company is controlling my interest rates and loan approvals???? REALLY!!! NO!!! This must stop!
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

Ok so I moved to the US to study in XX/XX/XXXX. By XX/XX/XXXX I got my first apartment and I hired XXXX XXXX XXXX to give me internet services. Since at the time I was on a student visa, I didn't have a Social Security number so I opened that account just with my personal info and passport number. 

I left that apartment by XX/XX/XXXX and I called XXXX XXXX XXXX to cancel my account. Since I was using my own modem and router, they didn't even have to come to the apartment to pick up their equipment, they just cancelled my account through the phone. And obviously, I paid the remaining balance in FULL ( for which I have a credit card statement that proves so ). 

Therefore, it is completely out of proportion, and mistaken that I have a negative remark on my credit report because of this Debt collection. It is not only inaccurate, it is messed up to harm me score and credit in this way. I feel terribly wronged and I want to get to the last resort to make this stop and change.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

This is an extension of my prior complaint. I receive a call from a pushy inconsiderate staff member from Chase Card Services Executive Office today XXXX XXXX 2018, regarding my complaint XXXX

The gentleman miss represented the amount of money I had been refunded said it was over {$1200.00} on {$1900.00} of interest. Then told me to cash the check for {$600.00} chase sent me, it was an inducement to trick me into closing the claim, saying it was my money " go ahead and cash it. '' I asked If I had a credit balance of {$600.00} still in my account and he said " umh, no! so he is basically not telling the truth about the refund the amount I actually received was XXXX XXXX   my account so I only received {$600.00}. A blatant lie.

He promised an itemized response detailing in excess of {$1200.00} of interest charges which I have not received from him. I am in possession, but will not cash the check because Chase took advantage of me by not sending statements and charging excessive fees on revolving interest.

The call was recorded and he can furnish the recording. He also suggested that when cards get issued they automatically withdraw the minimum about due not the total amount due which I always pay. I thought I was set up for full payments not sure how this didn't take.

I hope you will further investigate this matter. It seemed that the person who called from the Chase executive offices wanted me to say I was done with the matter by pressuring me to suggest this at the end of the conversation.

I am not done until I get fair treatment by Chase. I am still awaiting proof that I did indeed get in excess of {$1200.00} of interest returned on the {$1900.00} of interest I paid due to their deceptive billing practices ( they sent the statements to my attorney I am not represented and didn't send me paper statements for months.

I found the call inconsiderate as I was having lunch with a client and high pressure to close the man never respected the appropriateness of his call timing and could not confirm that {$1200.00} of the interest was in fact returned. with the annual fee that occurred when I had this matter roll over for months.
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: United PanAm Financial Corp. (OK)

I traded in my Vehicle on XXXX XXXX, 2016, My ten day payoff was {$6900.00}. The next due date was XXXX XXXX 2016. I received over 10 " ROBO Calls '' at work, and when I finally called them back the lady was very rude and refusing to listen to anything I had to say, Only demanding payment immediately. I told her I have proof the vehicle was traded in and she said it does n't matter, You 're responsible for the loan. I told her that The dealership has proof that they received the payment, and they had acquired the lein release and sold the vehicle. Her response was that I now had 24 hours to pay the balance of XXXX or I would face legal action. I told her that she can not pursue legal action as it has only been 1 day past due, WITH record that the account in question was paid off. I also asked her why the balance is so high. She said they add interest daily, which is nowhere to be found on my contract. I ask to speak with a manager, and she puts me on hold. She comes back and says he will not speak to me because everything she has told me is the truth and I am just lying to get out of a payment, then she hung up on me. I immediately received THREE more robocalls ( This is after XXXX ).
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (CO)

The bank for my small business reorders transactions in order to be able to charge overdraft fees of $ XXXX- {$36.00} each. The option for 'overdraft ' protection is only offered if we go into the branch office although every other service is offered online. The fees we have incurred in the last 45 days have been approximately XXXX even though according the banks own accounting there were sufficient funds to cover the withdrawals.
Consumer complaint received 2018-04-27
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)

Disputed inaccurate information as told by the collection agency. Collection agency and original creditor sent me a letter to forward to Experian to have the inaccuracy removed. Upon receiving I started a dispute and uploaded documents provided to have the collection removed from my credit report. I received a letter from Experian telling me that even though they received that documentation they still WILL NOT remove it. No contact phone number to talk to someone about this issue at Experian.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (HI)

My wife and I refinanced our mortgage last to rid ourselves of Wells Fargo Bank and inserted an attachment to our escrow that Wells Fargo and/or their assigns were not to be the servicer of the loan. The reason was for illegal practices ; in our case forced insurance when we had already insured and closed with proof. They insisted we pay their insurance form regardless of not proving that the insurer was legal to do business in Hawaii. Wells Fargo was primarily instrumental in the sub-prime fiasco which up ended the economy and interrupted the incomes of both my wife and I which incomes qualified us for the mortgage. Subsequently we lost most of the incomes necessary to pay the mortgage on time and Wells Fargo came after the security for our mortgage ; our home. We went late because of their impropriety and fraudulent banking practicing and we able to keep the home because I as a former mortgage loan officer structured our mortgage to provide assurance. All of my attempts to seek mutual solution with the bank including using the U.S. Attorney General 's office fell by the way side and we are still stuck with Wells Fargo Mortgage. 
I have had difficulty with that bank since 1984 and while I was able then to severe the relationship I have not been able to do so yet. 
What I was seeking and continue to seek is severance and the cancellation of agreements with the bank including the current mortgage with forgiveness of debt which currently is less than the origination amount due to our principles of paying what we owe. 
We have not faulted or harmed Wells Fargo Bank/Mortgage yet will not be able to say we have been treated like such in return. 
To agree to a lending and payment contract while stating and demanding fulfillment of qualifications necessary for approval and then defeating those qualifications as the lender and not the borrower and then attempting to assume possession of the security is lender fraud which is against the law. We know that, all of us, and we know that we know it.
Consumer complaint received 2016-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (IA)

I have had a monumental problem with Wells Fargo student loans. I have had these to loans under a single loan for years. Since I 've recieved these loans they have been running my money in ways that cause me late fees. Every. Single. Time. I send in my money every month and they put it in XXXX of my loans and never the other therefore I 've paid well into the Thousands of dollars so far. I have complained numerous times even multiple times a month to have this issue fixed and all that 's happened is me paying more unjustified fees on the simplest of transactions. I actually OVERPAY monthly to pay off my debt faster and yet they divide it in their favor. I have records of every payment every made to them I just ca n't get them to credit back all my money that they have basically stolen from me. As of recently they " lost '' my monthly checks, even with faxed in proof from the bank it was made to them they denied it and basically said tough luck. My Wells Fargo loan has absolutely demolished my credit and cost me incredible amounts of money in fraudulent fees, all for a higher education.
Consumer complaint received 2018-04-17
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. (FL)

TransUnion is in violation of the Fair Credit Reporting Act for their refusal to remove an invalid and illegal tradeline from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states : ( 1 ) '' A person must not engage in the business of making consumer finance loans unless she or he is authorized to do so under this chapter or other statutes and unless the person first obtains a license from the office. '' As validated by the FL Department of Business Regulation, XXXX XXXX  does NOT hold a valid license to offer loan products in Florida. By this statute alone, this alleged debt is invalid. Chapter 516.02 ( 02 ) further states : " A person who is engaged in the business of making loans of money, except as authorized by this chapter or other statutes of this state, may not directly or indirectly charge, contract for, or receive any interest or consideration greater than 18 percent per annum upon the loan. A loan for which a greater rate of interest or charge than is allowed by this chapter has been contracted for or received, wherever made, is not enforceable in this state, and each person who in any manner participates therein in this state is subject to this chapter. '' The alleged XXXX XXXX  account is listed as having an interest rate of 314.24 %, which also renders the tradeline " not enforceable '' under the law, and thereby illegal to be listed as valid debt by TransUnion.

This account is invalid under FL state law. It is being illegally reported by an unlicensed online lender in an attempt to extort payment. TransUnion remains the only CRA that has not removed this tradeline based on it's multiple violations of the law. The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion must remove it or remain in violation of the FCRA.
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

I received a phone call from XXXX XXXX, XXXX XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my notice XX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX that the Convergent would notify the creditor XXXX XXXX XXXX XXXX XXXX and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from Convergent stating that I had a balance of {$550.00}. on XX/XX/XXXX I called Convergent and spoke to XXXX XXXX who had advised that my file had not been closed, that Convergent had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at Convergent they would notify Convergent XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX. 

Client acct # XXXX Convergent acct # XXXX Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX acquired my mortgage loan earlier this year. They notified me that my insurance had expired in XXXX in error ( my policy was in effect until XXXX XXXX. I tried repeatedly to get in touch with them by registering on their website and then each time I tried to log on I had to reset my password but the code they emailed me did not work. I finally reached someone to let them know that I had insurance and that I was renewing upon the expiration of the policy as I have done each year for the last 8 years. The next month I received additional calls saying my insurance had expired and when I finally reached someone they said that I had XXXX to cover the interior but no exterior coverage -- exterior is covered by my condo association which is handled by the property management. This was communicated to SLS by me and the property management company. I was informed later that month that they had received that notification and to ignore the prior correspondence ( XXXX XXXX, 2016 ). In XXXX I received an analysis of the escrow payments that did not reflect any escrow payments that I have made in my monthly payment ... the payment is set at {$1600.00} for each to cover, e.g., in XXXX 2016, {$490.00} in principle {$100.00} in Interest and {$12.00} to be put in escrow for the $ XXXX/month tax payment. This month I have received a statement saying that my payment is now {$1700.00} with an additional charge of {$100.00} for escrow/insurance. I attempted to get in touch with them over the weekend -- could not log on and no response via phone and there is no email address on the website -- and finally reached someone today to find that they have made a payment for insurance for my property -- when I have my own insurance. I did not authorize them to purchase the coverage and I have my own coverage. They have increased my monthly mortgage payment by {$100.00} -- this is criminal. The website does not work, there is no email address, they are purchasing insurance without authorization, they are not responding to requests, they are requiring that customers fax in requests or mail in requests or complaints which gives no record of the communication. The personnel is incompetent ... one person I spoke with could n't even figure out how to spell and kept laughing about the situation. This is obviously a scam -- they are purchasing insurance on loans without notification ... and they are creating a wall that prevents customers from getting in touch with them to straighten out the situation.
Consumer complaint received 2016-08-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

I have had an absolutely terrible experience with XXXX ( formerly campus partners ) for small supplemental loan that I took out during XXXX school. The number one problem for me is that they keep charging me redundant late fees because they can not accurately apply my payments to my account. I agreed to pay the XXXX and XXXX ones ( after they told me that are " unable to make adjustments to the account '' or remove late fees ) but after I was charged a third one that was the last straw for me. The second and third ones occurred while the account was in autodraft status, so there should never have been an issue. Further, I was told that the third late fee occurred after I received correspondence saying I owed the second late fee ( which I never received despite accurately updating my address with the company ... .they actually confirmed that the letter was sent out one day after my address was changed ). Their response was that they can not be held responsible for the US postal service. Well apparently they ca n't be held responsible at all because the last person I spoke with on the phone confirmed that I had been erroneously charged the late fee but there was nothing she could do about it and no supervisor I could speak with ... my only option is to submit a request in writing by mail. Furthermore, XXXX of the XXXX customer service people have been extremely rude and unprofessional. Their online interface is archaic and prone to errors ( I am trying to pay my loan online as I type this but their site is " down for maintenance '' ). Every avenue with which I try to make a payment is associated with some kind of service charge. It is unbelievable how terrible his company is and how there is no hierarchy in their company so that I can speak with someone that may assist me adequately ... there is absolutely no accountability. 

When asked on this site what my issues were, I would have checked all the boxes if I could. My problems have included : -Making payments, getting information about my loan, managing my account -Trouble with how payments are handled -Do n't agree with fees charged -Received bad information about my loan -Need information about my balance/terms -Keep getting calls about my loan -Having problems with customer service So essentially everything. Basically their customer service is terrible, their website/payment system is terrible, and they can continuously charge extra fees without any accountability. Worst company ever.
Consumer complaint received 2016-08-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In 2006? I took out XXXX home equity lines of credit on XXXX of my properties. When I took out the loan I was lead to believe that line of credit would be for the life of the loan from my original morgage with XXXX XXXX. I got a letter from BOA that states that the interest rate is going to go up. They show an amount that double plus more than I am currently paying. I went to them and asked if they would allow me to keep the present line of credit and I was told no, because they do not offer lines of credit any longer. I want them to reconsider my request and not allow my payments to go three times what I am paying now..
Consumer complaint received 2016-08-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (IL)

Dear Sirs, I received a letter from a debt collector stating that I owed {$1200.00} for an emergency room visit. I sent a letter requesting further information which included all the elements in the template provided by the CFPB. The response that I received did not provide me with all the answers that I requested and further was ambiguous regarding whether I owed any money and why. My only recollection of this potential debt is that it may be for an XXXX visit at XXXX XXXX medical Center however I was fully insured at the time and further paid the {$250.00} copay that was required of me at the time. I do not understand why more than 2 years later, I am requested to pay a debt that if valid was supposed to be paid by the medical insurance plan.