davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AZ)

I opened a paper statement for my One Main Financial personal loan for first time in a while and noticed a Fee for NSF in the amount of {$25.00}. I did n't understand this since all of my payments are direct debit each month and my checking account has overdraft and I had n't received any Past Due notices. I also do not typically open paper statements. But this time I did. The statement looked funny to me because there was reference to the {$25.00} NSF Fee, but my Amount Due and Past Due Amounts were {$0.00} ( Statements Copies Attached ). I went online and reviewed my statements for the past year and the same Fee for NSF in amount of {$25.00} was on the statement for each month in the last year+. I checked with my bank and all payments had cleared. I called the customer service number and the rep, XXXX, indicated that there were no NSF 's on my account. She pulled transaction record back to XXXX XXXX and finally found a Fee. I believe this is the same time-frame that this account, previously Spring Leaf converted to One Main Financial. She said I never paid a Fee from XXXX XXXX, I asked her why my Past Due Amount shows {$0.00} on all my statements. She did not have an answer. I said, lets pay the Fee and it should n't show up next month in Transaction history. We started to process the {$25.00} payment and then she said, she would waive the Fee since I had never had any payment issues since the loan was opened. 

My concern is that this fee has potentially been included in the interest charges calculation, or possibly in the monthly payment posting amount that gets credited to may account has not been correct and an extra {$25.00} is being charged as Fee versus going against loan principle and/or maybe even caused my APR rate to increase for non payment. I had commented in the past to my spouse that it seemed like the loan balance on this account has n't been going down very fast. 

This is not clear and concise reporting of Rates and Fees as per UDAAP or Regulation Z. Please take a look. Thanks -- XXXX
Consumer complaint received 2017-12-09
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. (NE)

I would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX ( the XXXX XXXX ) were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.
Consumer complaint received 2017-12-09
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. (NE)

I would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX XXXX the XXXX XXXX XXXX were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.
Consumer complaint received 2017-11-30
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. (FL)

I was reviewing a copy of my credit report after the XXXX breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Using my XXXX credit card number to make XXXX and XXXX distributing purchases of computer equipment. 
Also, attempting to open credit applications with XXXX XXXX and Bank of America using my credit security information.
Consumer complaint received 2017-12-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

the interest rate on this loan is almost 9 %, I borrowed $ XXXX and now i owe $ XXXX. i pay XXXX in payments each year and it doesnt even cover the interest, the loan goes up every single year. 

they talked me into forebearance for so many years that the loan has tripled. this is just not right, this has to be criminal. i will be dead before i pay this back and now i have lost my job so i have to freeze the payments again, i will owe almost 250k by this time next year in interest on a XXXX loan!!
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I live in XXXX, TX and was impacted by Hurricane Harvey in XX/XX/XXXX. 
On XX/XX/XXXX i entered into a Federally Declared Disaster temporary forebearance agreement with my mortgage company ( XXXX XXXX XXXXXXXX XXXX ) due to my wife being unemployed due to her place of employment being destroyed in hurricane harvey, i also was out of work for 1 month due to clean up efforts at my home. The terms of the temporary forbearance agreement were as follows : -monthly payment was suspended between XX/XX/XXXX and XX/XX/XXXX -XXXX would continue to accept payments if i was financially able to do so -XXXX would not assess late charges to my account during this period -During the term of the agreement XXXX would suspend all credit reporting -Upon the expiration of the temporary forbearance agreement my payments would increase to reflect any unpaid monthly payments. 

I was unable to make a mortgage payment for XX/XX/XXXX, as per the FDD forebearance agreement XXXX should have suspended all credit reporting. However, in breach of my temporary forbearance agreement with XXXX, on XX/XX/XXXX XXXX reported to Equifax the my account was " Not more than 2 payments past due ''. 
I was thankfully able to make my regular mortgage payment of {$1000.00} on XX/XX/XXXX. XXXX once again ignored the FDD forebearance agreement and on XX/XX/XXXX they reported my account as " 30 days past due ''. Their explanation for this was that they mistakenly applied my XX/XX/XXXX payment to the unpaid amount from XX/XX/XXXX, even though the agreement states that no payment is due until after the expiration of the agreement. 
On XX/XX/XXXX XXXX once again breached the agreement by reporting to Equifax that my mortgage account was " Paying under a partial or modified paying agreement '', which impacted my credit negatively. 
On XX/XX/XXXX i made a double payment {$2000.00} to bring my mortgage account current. I also requested to be removed from the temporary forebearance agreement. I also voiced my concerns over the erroneous credit reports but as of this date XXXX has made no effort to fix the problem. 
XXXX also refuses to release a {$25000.00} insurance claim check from my flood claim so that i can pay for repairs on my home.
Consumer complaint received 2017-12-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

On XXXX XXXX, 2017 XXXX XXXX took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC (MD)

I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX today at XXXX XXXX. Spoke to XXXX ; I asked if the they could remove an error from my credit report. I told her that under the FCRA section 604 ( a ) ( 3 ), this reporting does not fall under these terms use in this case : accessing my credit report was not for employment purposes, underwriting for insurance, eligibility for a license, investor, a credit transaction and so forth. 

I spoke to XXXX and spoke to several representatives starting at XXXX XXXX today. The last person I spoke with was XXXX who advised me to contact Core Logic. This error is preventing me from obtaining credit and to build towards getting a loan for a home.
Consumer complaint received 2017-12-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo Dealer Services has been calling me nonstop over my car payment being past due from phone number XXXX. I have received 17 calls this week harassing me for payment of {$300.00}. I called two weeks ago and disclosed that I would be late on my next payment and the woman over the phone told me theres nothing that she could do, even though I told her I was making the last of my medical bills payments. 

On Monday XXXX XXXX, Wells Fargo dealer services called me four times, at XXXX, XXXX, XXXX, and at XXXX. 

On Tuesday, XXXX XXXX, Wells Fargo dealer services called me three times, at XXXX, XXXX, and XXXX. 

On Wednesday, XXXX XXXX, Wells Fargo dealer services called me five times, at XXXX, XXXX, XXXX, XXXX, and at XXXX. 

On Thursday, XXXX XXXX, Wells Fargo dealer services called me twice at XXXX and XXXX. 

I spoke to a woman named XXXX or XXXX today ( XXXX, XXXX XXXX ) from Wells Fargo dealer services and she kept harassing me for payment even though I told her to stop calling me. I was called three times today, at XXXX, XXXX and XXXX. She has continued her calls and I finally had to hang up since she wasnt listening. The constant phone calls and harassment need to stop. 

After all of this harassment and after my disclosure that I wouldnt be able to make my payment until the XXXX, they already reported me late to the credit bureaus. I will be submitting a formal dispute of my late payment through XXXX, XXXX and XXXX as well.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

open date XX/XX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date
Consumer complaint received 2017-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OR)

My mortgage company paid my property taxes and my home owners insurance even though I do not have an escrow account through them. Meanwhile i paid my property taxes and home owners insurance too. Now my mortgage company will not accept my mortgage payments unless I pay them back for the taxes and home owners insurance. I have not received a refund for any overpayment from taxes. I am not nor have I ever been late on my property taxes. This amounts to {$4900.00} and if I do n't pay this amount I will be in default and may lose my home. I have called and discussed this with customer service who admit they do n't understand how this happened. They told me to go ahead and make my regular payments and if and when I receive refund for taxes to send it to them. They then transfer me to payments who will not accept my payments for anything less than {$4900.00}.
Consumer complaint received 2017-12-09
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. (WI)

We received a charge from a rental car company, XXXX, for approx. {$150.00} of damage on the car. When we checked out the car, we showed the attendant all the scratches and marks on the car and even took pictures. Even though the car was covered in marks, the attendant did not add anything to the car check-out form. We asked why not, and the attendant said these marks are normal. When we turned the car in, we were charged for a scratch, even though that was part of our original picture set. We asked the credit card company, Chase to resolve. They delegated this claim to two agents in XXXX, XXXX. When they called to get input on XXXX/XXXX/XXXX, we discovered, they had already closed the claim on XXXX/XXXX/XXXX and did n't want our input, despite submitting many pages of documentation. We further pursued this with the XXXX, Ohio office of Chase, but they provided a mailing address to send a letter and the agent read a script, responding like a robot. Chase failed to help us. They said they would re bill the {$150.00} despite all the documentation showing that the damage was already part of the car when we rented. It seems they are happy to delegate these decisions to overseas agents who have no interest in seeking input from their customers. We are now contemplating cancelling our Chase cards and using social media to spread the negative experience we had. It is shameful.
Consumer complaint received 2017-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

1. File suit for a debt taken out XXXX XXXX, attorney knew or should have known was time-barred 2. Failed to notify me of final judgement/lien 3. Improperly signed my name to Court Order & Judgement which I never saw or knew had been issued 4. CFPB to impose {$1000.00} statutory penalty ; liability for emotional distress, losses due to potential delay in mortgage refinance 5. CFPB to note violation of Court Order Civil Action # XXXX dated XXXX/XXXX/XXXX and take action as appropriate
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP (MO)

Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX XXXX XX/XX/XXXXand will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and they have lowered my payments, but Im not going to have any income come XX/XX/XXXX to pay them any longer Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/XXXX, I went into my XXXX XXXX XXXX Synchrony Account ( XXXX ) to pay my bill. I noticed that, although I had made the payment last month, there were still late fees even though my bill is due on the XXXX of the month and this was the XXXX. At this point, I contacted customer service via instant chat, and was told there was no late fee. When asked why I still saw a late fee, I was told by the agent there was no fee. He continued leading me in circles until I called. When I exited the chat, there was a survey ; however, once filled out, there was an Error 404 message. I refreshed the page and it took me back to the survey. When I resubmitted, the survey went through, but I was not given a chance to review and print my conversation. At this point, I spoke when an agent that explained it was a backlogged late payment. I made the full payment as required on the bill ( see attached ), and she claimed to have reversed a late payment fee. When I logged on today ( XX/XX/XXXX ) to make my payment for the month early, I noticed that the payment due was {$63.00}, nearly double the {$38.00} it had been when we started making payments. I then got on the online chat to see what the charge was. This agent claimed first that making the payment by phone was the only way to lower my payments ; when asked why online did not work the same, she said nevermind it would make the same dent in my account ( see attached ). She then told me there was a late fee. She could not explain to me why my bill reflected the {$150.00} payment due previously but then had a late fee anyway. She also claimed that the interest was reversed previously instead of the late fee, although I see the interest on my bill and the website shows a reverse in the late fee. Again, when I completed the survey negatively, it went directly to a 404 message, and when refreshed let me submit but did not give me the option of viewing the conversation. Luckily, I knew of this trick already so I had already printed and saved the conversation. This company has basically stolen money from us. Buyer beware! The five year plan may sound life saving, but it is definitely not.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (OH)

I am including the same message sent to XXXX XXXX via online secure message center that I was instructed to do per Customer Service Manager id # XXXX on XX/XX/XXXX and I just received some generic message not even related to my concern and was just brushed off by this company. The message I sent is as follows : I want the hard inquiries you put on my credit report removed immediately. I WAS NOT aware of the fact that any hard inquiries would be made on my credit bureaus due to an online request for limit increase as it never have been before, only soft inquiry. And nowhere on there does it state that a hard inquiry would be made. I spoke to a customer service manager, XXXX, yesterday id # XXXX who also verified that it does not state that a hard inquiry would be made and does not allow a place to click if the customer does NOT want to have a hard inquiry pulled just to get a limit increase as it would if a customer calls in and speaks to a rep over the phone. If I had any idea it would have been a hard inquiry, I would NEVER have made the request as it is not worth it to me. Please remove these hard inquiries from ALL my Bureaus and the limit increase has to be cancelled, please do. Customer Service Manager id # XXXX stated this would be done and could take up to 45 days to be removed by bureaus once XXXX submits the removal and that all I needed to do was to send the secure message requesting this online through the message center, so I fully expect this to be done. Thanks.
Consumer complaint received 2017-11-30
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. (FL)

TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX