davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
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. (NY)

I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.
Consumer complaint received 2017-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

A few weeks ago I submitted a complaint regarding Navient and the problem I was having with getting my student loan interest rates to the agreed upon rate when I reentered the rate reduction program. Navient responded and said that they were at fault for the failure to submit my paperwork for the ratereduction in XX/XX/XXXX when we spoke and did so in XX/XX/XXXX and agreed that all but one of my loans would have  an interest rate of 3.5 %. They also agreed to make sure that the interest that I acquired under the higher rate would be decuted from my balance. That was done to 2 of my 3 loans. Today when I logged into my account to make sure that everything was right I noticed that my loan ending in XXXX still has an interest rate of 4.25 % instead of 3.5 %.
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Referencing : Case XXXX XXXX XXXX/XXXX/XXXX I was inquiring about the Navient Law suit and I was n't sure the process of seeing if i qualify for a reimbursement of the student loans charges on my account. Navient Acct : XXXX Amount owed : {$84000.00}
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NY)

Several times in the past few weeks, I have been contacted by individuals from Transworld Incorporated, asking to speak with someone I do not know, presumably about a debt that he or she may owe. Each time, I have told them that no one with that name is at my phone number. Each time, I ask them to stop calling. At least twice, I have been told that my number will be " removed from the system. '' I hope they actually stop calling.
The two most recent calls were listed as coming from XXXX and XXXX.
Consumer complaint received 2017-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CONDOR CAPITAL CORP (VA)

I had an auto loan for a used car taken out with Condor Capital Corp sometime in XX/XX/XXXX as I do n't have the exact date. As a part of the agreement for the auto loan, full coverage gap insurance including loss of income ( job loss ) was apart of the contract. My vehicle was repossessed in XX/XX/XXXX for non payment as I had lost my job. The gap insurance was supposed to cover the full cost of the agreed sale price as stated in the agreement. I had traveled abroad and way for about six years. When I returned back home to the states, I noticed I had a civil judgement against me from this lender and missed my court date as result of being abroad. I filed a complaint with the major credit bureaus and it was determined the debt was invalid as they deleted this from credit file. Roughly four months later I 'm now getting wage garnishments and a lien on my bank account for this very same debt. Every time I try to contact the lender or speak with my bank ( XXXX XXXX ), they claim they ca n't do anything about it. Condor Capital was shut down for fraudulent reasons as stated here - XXXX XXXX XXXX. I do not recommend banking with XXXX XXXX as when I ask to speak with their fraud team they keep disconnecting my call.
Consumer complaint received 2017-08-02
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: Experian Information Solutions Inc. (FL)

On XXXX XXXX,2017 I went to purchase a car. I asked them to run my credit for a specific loan company and my credit was sent to multiple places and I did n't authorize that as I was approved for the place that I asked them to send my application to. I did not sign a contract to have my record sent to these companies.I mailed a letter to all four of these companies in XXXX 2017 and they did n't respond to me and its now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

During the settlement of countrywide/ bank America , bank America lien released my second mortgage first but did not release my first mortgage? Why? My loan with countrywide was XX/XX/XXXX ( XX/XX/XXXX ) they transferred my loan to XXXX they recieved my loan which was past due since XX/XX/XXXX why would bank America transfer a loan that was in default? during the time of which the countrywide /, bank America settlement? I called XXXX  listed on my loan documents they still had bank America listed under my loan as the servicer? not XXXX or XXXX my current loan services now ( XXXX transferred my loan to XXXX  in XX/XX/XXXX, I than called bank America they told me my loan was released to XXXX ( XX/XX/XXXX ) again my question why would they transfer a defaulted loan from XXXX and not release the first which is loan number XXXX but did release the second loan first? XX/XX/XXXX XXXX gave me these dates with a statement saying bank America gave them this loan in default also the transfer dates from bank America are conflicting as well. Also I was being charged late fees from the beginning of my loan XX/XX/XXXX, XXXXwhen in fact it was not late if you look back to the beginning you will also see a due date / payment received conflict
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OH)

I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card  until it was received and could not use it for the $ XXXX/night reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.
Chase wants to state that " if used properly '' the account number would have auto-populated, it did not and my husband is witness to that. I would not have called Marriott OR Chase had it populated. When I was on the line with Marriott AND Chase, the approval page was still up on my computer and I told both representatives this information and neither one knew what was happening.
Consumer complaint received 2017-08-02
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. (WI)

I 've disputed this collection debt multiple time through XXXX XXXX and also Experian. My latest dispute was with Experian X/2017 regarding a XXXX dollar amount debt. Each time it has came back verified without the proper proof of verification. XXXX XXXX has also failed to send me requested proof.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have disputed this account with Experian and received response the account was verified. Experian has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, XXXX & XXXX
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (PA)

American Express promised that they would give me an explanation on how they came to their interest total, and yet they did n't tell the truth and sent a letter that just explained they were correct and that I 'm supposed to look at the Cardmember Agreement. They actually stated to me that they 'd provide me with a detailed account on a daily basis as to how they got {$53.00}. This letter is exactly what I had asked them not to send. I 'm frustrated with this bank and they should be absolutely investigated for racketeering. Here 's the breakdown of my calculations. The cycle in question was between XX/XX/XXXX and  XX/XX/XXXX. The Purchase Balance is in a promotional state until late XX/XX/XXXX, so 0 % interest is applied until then, so that wo n't be listed. The Cash Advances Balance has a 26.24 % APR which comes to a .0719 % Daily Periodic Rate. The Balance at the beginning of the cycle for Cash Advances was {$2300.00}. On XX/XX/XXXX, a total payment was made in the amount of {$350.00}. The minimum payment due was {$210.00}. {$210.00} SHOULD HAVE gone to the Purchases Balance where a remaining {$140.00} should have gone to the Cash Advances Balance. As of XX/XX/XXXX, the Cash Advances Balance ( as a result of the payment ) became {$2200.00}. {$270.00} was the total Cash Advances Transaction amount for XX/XX/XXXX, a day later. The balance now became {$2400.00} for Cash Advances. On XX/XX/XXXX, the total Cash Advances Balance became {$2500.00} as a result of a Cash Advances Transaction total of {$25.00}. So, you have ... Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2300.00} for 8 days Cash Advances Balance on XX/XX/XXXX : {$2200.00} for 1 day Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2400.00} for 2 days Cash Advances Balance from XX/XX/XXXX-XX/XX/XXXX : {$2500.00} for 19 days You add these balances up to get a sum of {$73000.00}. Divide that sum by the number of days in the cycle ( 30 ) to get an Average Daily Balance for Cash Advances of {$2400.00}. Take the Average Daily Balance {$2400.00} multiplied by the APR ( 26.24 % ) to get {$640.00}. Divide {$640.00} by 365 ( days per year ) to get a daily interest charge of {$1.00}. Multiply {$1.00} by the number of days in the cycle ( 30 ), to get a total  interest charge of {$53.00}. Their interest total was {$53.00}, a XXXX cent overcharge.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I scheduled my monthly payment around XX/XX/17 for XX/XX/17 when it was due. On XX/XX/17 I see it did not come out of my bank account. I reschedule payment for today ( it is around XXXX ). I contact 'chat ' with XXXX and they are no help. I am now being charged a late fee for a problem with their system where my payment was deleted.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CA)

This original debt was included in my husband 's discharged bankruptcy ( X/2015 ) ... .the effect of the discharge is it is NOT enforceable on those community claims pursuant to 11 USC 524.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX XXXX 
XXXX is reporting 4 delinquent aaccounts. There are only 2 accounts. One in the amount of $XXXX and other  $XXXX.  The account with balance of $XXXX was paid late by insurance and has been removed from the XXXX XXXX report but still on XXXX. I have sent in dispute.  Company has duplicated both accounts in all credit reports making it appear there are 4 accounts delinquent when actually it's only 2 accounts and as stated above one was paid late by insurance. By doing this it has doubled derogatory items on credit report.  These are also medical bills that are not being reported as medical but instead as regular loan accounts which they are not. MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX
Placed for
collection:
XX/XX/XXXX
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance: $XXXX
Date Updated: XX/XX/XXXX
Original Amount: $XXXX
Original Creditor: XXXX XXXX XXXX XXXX 
(Medical/Health
Care)
Past Due: >$XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION<

XXXX 
Date Reported: XX/XX/XXXX
Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX  Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status UNPAID Date of First Delinquency XX/XX/XXXX
Comments
Consumer disputes this account information
Medical
Date Reported: XX/XX/XXXX
Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX  Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status UNPAID Date of First Delinquency XX/XX/XXXX
Date Reported: XX/XX/XXXX Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status UNPAID Date of First Delinquency XX/XX/XXXX
Comments
Consumer disputes  reinvestigation in progress
Date Reported: XX/XX/XXXX
Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status Unpaid 

Thank You for any help you can give.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MO)

On XXXX 2017, I received notification I have a debt in my credit report for {$210.00}. Never was aware of the debt - never received a phone call or documentation to dispute.
Consumer complaint received 2024-10-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MD)

My federal student loans are serviced by Mohela. Mohela has double reported my loan amounts to the credit bureaus. It has negatively impacted my credit score by artificially increasing my total debt. They are over reporting XXXX worth of debt. I waited to see if it was a mistake that would be fixed but after a month and contacting Mohela nothing has been fixed.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I requested online my free credit report from Transunion and was charged {$19.00} for a report that is, by law, supposed to be free. I want my money back. I am not able to get a hold of any service representatives on their Customer Support services. There is no way of actually talking to a human being.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

There is unauthorize hard inquiries on my credit report that I did n't consent to pull my credit 1.XXXX XXXX  .Dated XX/XX/XXXX 2.XXXX .Dated XX/XX/XXXX.3.XXXX XXXX.XX/XX/XXXX 4.XXXX  .XX/XX/XXXX ... 5.XXXX XXXX .Dated XX/XX/XXXX. 1.XXXX XXXX XXXX, Michigan XXXX 2.XXXX.XXXX XXXX, Texas.XXXX..3.XXXX XXXX XXXX XXXX XXXX.XXXX, Texas.XXXX ... 4.XXXX XXXX XXXX XXXX, Texas.XXXX. I have a XXXX XXXX XXXX vehicle I do n't need another car. I have XXXX kids and I am single Mom. All the hard inquiries are destroying my credit and scores and my chances in getting credit approval on new beds and baby crib for my XXXX child and my daughters that are under the age of XXXX years old..
Consumer complaint received 2017-08-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

XXXX XXXX, 2017 - Remitly continued to process an unauthorized transaction. I requested my remittance to be cancelled instead and not proceed because I can not provide them with the additional ID that they are requesting from me. In fact during the transaction, Remitly suddenly put a review/hold on my remittance. They also sent me an email saying that there 's a hold on my transaction. The email said that they need some additional documents from me before they can move on forward with the remittance. So, I told the rep that I do not want to proceed anymore. I did not provide them with any other documents that they requested so I told the rep to just cancel the transaction instead. To my surprise, Remitly still processed {$160.00} out of my bank account even when I told them I want to cancel my remittance. Another thing also is that they still charged my bank account even when there is a hold on the remittance due to the pending review that they are doing. Honestly, I feel cheated, mis-informed and was taken advantaged of, most especially when I suddenly received a notification from Remitly saying that the money was already delivered to the recipient. Basically, Remitly delivered the money to the recipient without my consent. Remitly did not cancel my transaction even when I told the representative to do so. Remitly proceeded with the remittance without my approval and authorization. Now, the Remitly manager that I spoke with repeatedly told me that they can not do anything about it since it 's been delivered already to the recipient eventhough I never authorized Remitly to proceed with the transaction.
Consumer complaint received 2017-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC (CA)

starting in the beginning of XX/XX/XXXX I started receiving calls from CDR assc. about some kind of debt, i asked what kind of debt and they respond with they need my SSN # to proceed, i told them i was not going to give that information out over the phone and send me in writing a copy of the debt they were trying to collect. as of this date they have n't sent anything and called two times a day both on cell and house  phones, saying they were going to contact my employer as well. I have no idea about this company as XXXX serch reveals nothing. The number they are callinf from is an XXXX