davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation (CO)

Hello, On  XXXX   XXXX ,  2017, I m ade a payment over the phone via debit card with Avant in the amount of {$3800.00}. On  XXXX   XXXX ,    2017, I a ttempted another debit card payment, this time was to payoff the loan, the total at this time was around {$1800.00}. Avant rejected my payment and said they are not allowed to take a debit/credit card payment unless the account is seriously delinquent. On their website, I am unable to change my banking information on their website, nor am I able to make a payment. The company is REFUSING to accept a payment, and only did so once I was able to payoff the loan in effort to stretch this out and collect more interest which accrues daily. I 've asked them four more times to take my payment and they still refuse. I now requested they remove the interest that has accrued since  XX/XX/XXXX  and they advised they will review which takes up to 14 days.  <P/> The same enforcement action the CFPB took against the student loan companies and payday loan companies is the same action I am requesting her e. Avant i s refusing to accept a method of payment, which they 've previously accepted, to accrue more interest on the payoff which is now more than 200 dollars and I will not be bullied into doing it! By refusing to take my payment, and not having alternate means by which to accept payment, they are causing financial harm to me, the consumer.
Consumer complaint received 2017-05-14
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. (GA)

I sent certified letter to  XXXX , experian and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also hav e for two  years have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .
Consumer complaint received 2017-05-14
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. (NY)

I had a  XXXX  's credit card in which I also purchased insurance for back   XXXX   XXXX  . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in   XXXX   which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had a  30 30 60 90 l ate payment in  XXXX  after 6 months in which I was no longer responsible for the bill . Two thin gs are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I received a letter stating that I owe  XXXX   XXXX   XXXX  as of  XXXX   XXXX ,   XXXX  , when I paid my last payment of the amount on  XXXX   XXXX ,   XXXX   I was told by the debt  collectors  it will be taken off my credit report in 30 days and it 's still on my reports. I would like for them  2  take it off.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Complaint against Equifax is the incorrect reporting XXXX, XXXX. XXXX XXXX/XXXX/XXXX {$11000.00} XXXX/XXXX/XXXX, I worked hard with XXXX late last year to insure they were reporting correct and I know they have, Equifax refuses to do what is correct 1st, they need to report ( XXXX ) balance per XXXX request 2nd the need to delete this from the report starting XX/XX/XXXX, By law they can no longer reported 7 years after the last activity, see enclosed info Thanks XXXX
Consumer complaint received 2017-05-14
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. (GA)

I sent certified letter to  XXXX ,  XXXX  and transunion, stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have  for two year s have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (TX)

Homeward Residential/Ocwen AKA AHMSI is n ot reporting correctly to  XXXX  that my account was delinquent as of  XXXX , 2010  . This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current   XXXX    credit report when the credit delinquency if great tha n seven years. Homeward Residential/Ocwen  were reporting the  XX/XX/XXXX    delinquency 's correctly to  XXXX  and  XXXX . The account has dropped off of these credit bureaus due to th e 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to Ocwen th at they correct the credit reporting with  XXXX . They have refused to do so.  XXXX  defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act.  <P/> I have attached a copy of my mortgage Statement dated  XXXX  , 2010 that  shows my payment due date is  XXXX   XXXX ,  2010 w hich also sho ws 2 past  due paym ents (   XXXX  &  XXXX     2010 ). S ee the bottom of page  XXXX  in the attachment for past due details. I have also included a copy of my  XXXX  report that shows Homeward Residential reported me as past due from  XXXX  thru  XXXX   2010.    XXXX  and  XXXX  has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act
Consumer complaint received 2017-06-05
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. (CA)

In correspondence dated  XXXX   XXXX ,    2017  I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2017-06-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In year XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, Texas XXXX. There were two mortgages, one  {$80000.00} and the second {$15000.00} both financed by XXXX XXXX XXXX XXXX XXXX. Total {$95000.00} with a down-payment of {$6000.00} +.
<P/>
XXXX XXXX XXXX XXXX XXXX was then bought by Bank of America. In XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XXXX, Bank of America foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. Bank of America told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe Bank of America any amount on the two mortgages. My three-bureaus credit reports started to reflect XXXX balance on both accounts.
<P/>
Then in XXXX, a company called XXXXl, located in XXXX, XXXX XXXX, Texas, XXXX started to call and write to me that I owe them {$15000.00} second  mortgage. Tel : XXXX.
<P/>
First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the second mortgage from Bank of America.
<P/>
I tried to obtain evidence of sale from Bank of America, BAC but BAC kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only BAC can provide me the evidence of foreclosure sales I needed.
<P/>
XXXX then took me to court. To summarize, I was ill and couldnt appear in court the first time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE.
<P/>
The I went to the court the second time to see the judge who thought I lived in XXXX, Virginia whereas I live in XXXX, Texas near XXXX where his court is located.
<P/>
After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the two to see what is owed.
<P/>
I did. Both papers show and proved what BAC said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX  and could not afford a lawyer.
<P/>
XXXX XXXX has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}.
<P/>
PLEASE RESCURE ME FROM XXXX. I DO NOT OWE THIS COMPANY A PENNY.
<P/>
I will furnish you with necessary documents if you provide me the method ( s ) to.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted Transunion and XXXX for quite awhile but have had the same problem Transunion and XXXX will not add that I have XXXX XXXX XXXX on my account. They keep updating information from XXXX even though XXXX was paid off and XXXX  balance. XXXX XXXX XXXX has contacted them but they keep insisted that they keep XXXX on even though it have been 7 years that I have had XXXX on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only XXXX XXXX XXXX and to remove XXXX and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (VA)

My problem is with  my Discover card. For 12 years I have been charged a Payment Protection Plan fee which I NEVER signed up for. According to Discover, I approved their payment protection product sometime in 2005, but they are unable to provide proof of my approval, and I know I did not approve this ongoing monthly charge. They have offered to credit me back for six months worth of charges, but the truth is, since they placed this program on my account without authorization, I 've been charged well over the {$2500.00} credit limit in fees and accrued interest ( on fees ). They claim they have done their " due diligence '' by sending me   bi-annual correspondence, but I have not seen this, nor have I positively affirmed my desire to be a part of this program ( ever )!
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Issue Incorrect information on credit " Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX/XXXX/XXXX. 

XXXX Inquiry XXXX/XXXX/XXXX. 

XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-06-05
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. (TX)

I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the a ttachment for one o f The creditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.
Consumer complaint received 2017-06-05
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: EQUIFAX, INC. (TX)

I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachmen t for one of The cre ditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have contacted  XXXX  and Equifax for quite awhile but have had the same problem   XXXX    and Equifax will not add that I have   XXXX   XXXX   XXXX   on my account. They keep updating information from  XXXX  even though  XXXX  was paid off and  XXXX  balance.  XXXX   XXXX   XXXX  has contacted them but they keep insisted that they keep  XXXX  on even though it have been 7 years that I have had  XXXX  on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only   XXXX   XXXX   XXXX   and to remove  XXXX  and   XXXX   XXXX   of  XXXX   XXXX .
Consumer complaint received 2017-05-14
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Wellsfargo wiped out my savings without my knowledge. I did not get any warning or letter or whatsoever. Wellsfargo closed my credit card since this company charged my credit card with fees and interest. I went  to ask in their branch on Saturday in  XXXX   XXXX / XXXX / 17  at  XXXX  and the clerk said I have to call  XXXX  no. which is closed. The clerk was not patient and empathetic to my situation. I was just told it 's legal matter.
Consumer complaint received 2017-06-05
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. (MI)

There are  XXXX  inquiries on my credit report that I did not authorize. Before any credit is issue I am suppose to receive a phone call and still have not. I am a victim of identity theft and need these inquiries removed.  XXXX   XXXX / XXXX /  XXXX  ,  XXXX   XXXX   XXXX / XXXX /  XXXX  ,  XXXX   XXXX   XXXX   XXXX / XXXX /  XXXX  ,    XXXX   XXXX   XXXX     XXXX   XXXX ,   XXXX  , &   XXXX   XXXX    XXXX / XXXX /  XXXX   It shows up   XXXX   only suppose to be on there  XXXX .
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (AZ)

I received notification and a refund check for {$4900.00} from Citi Mortgage in XX/XX/XXXX with an explanation that the refund was a function of not getting the benefit of a interest rate reduction ( at origination in XX/XX/XXXX) given the overall relationship I had with the bank. In subsequent discussions with the customer service dept., I understand that I should have benefitted with a XXXXbps reduction ( 2.75 % vs 3 % ) on the mortgage. The rate is fixed for the first 10yrs ( untilXX/XX/XXXX ) and floats thereafter for the remaining life of the mortgage. When I asked how they arrived at the figure of {$4900.00} I was informed that they took the initial principle ( XXXX XXXX ) and applied the XXXXbps for the first 5 years ( {$390.00} x XXXXbps XXXX ). While I appreciate that there has been amortization on the loan ( to $ XXXX ) and they paid on amount w/o considering amortization, I believe they should pay on the 10 year fixed period as I would benefit by a lower interest rate for an additional 5 years if the correct interest rate ( 2.75 % ) was used at origination. When I asked if I could appeal this decision as to the time period used for reimbursement they said I could not and referred me to CFPB. I still have a extensive relationship with Citibank so was very disappointed that they took they position. Obviously, I am happy that an internal Citi audit uncovered this initial mistake but I believe they have fell short in turn of a fair reimbursement for the period where I should enjoy an interest rate reduction
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days XX/XX/XXXX , 120 days  XX/XX/XXXX  I am not sure how th is happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Navient 's  ( formerly  XXXX   XXXX   XXXX   XXXX   ) webpage incorrectly told me that my loans were approved and successfully submitted for automatic debit payments every month. However, each time I submitted my banking information through the website, it would n't process automatically as it was supposed to. As  a result, Navient  harassed me every month with automated phone calls informing me that my payments were delinquent. I called them and had the issue corrected. This issue happened TWO OTHER TIMES while I was still in school a nd the six mon th grace period after receiving new loans ended. On the third and final time, I did not call them and continued to receive the automated phone calls. I wrote them an angry letter explaining that their website confirmed my banking information was submitted and approved, but the money was n't coming out. They wrote me back and told me the opposite - that my banking information was never put in. Also, they 're probably guilty of overcharging people too (   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-14
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: JPMORGAN CHASE & CO. (NC)

My wife and I moved back in  XXXX  of  2016. Since that time there have been   XXXX    attempts where someone has applied for an Amazon.com credit card through Chase Bank in my or my wife 's name. These applications have all used our old street  address.     Each time this happens I 've call ed Chase to indi cate that the application is fraudulent and had the application denied.     I have spoken multiple times to bo th Amazon and Chase customer service indicating that I have no intention of applying for an Amazon or Chase credit card, and  I would like them to deny any application in my name, but both have indicated they can not do anything to help me. They each directed me to the other for help. Neither is accountable for the problem. An  Amazon agent did indicate one time that she would call Chase on my behalf, but it had n o effect.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Our billing statement for the period closing XXXX XXXX, 2017 states our Blue Cash Rewards balance as {$89.00}. That figure appears prominently on the very first page, in the upper right corner. It is the very first figure we see when we open the bill. However when we tried to redeem those rewards, we were told we could only redeem {$25.00}. Rewards can be redeemed in increments of {$25.00}, so we should be able to redeem {$75.00} of the {$89.00}. We called AmEx on XX/XX/XXXX to ask why our redemption was so limited. AmEx did not say the {$89.00} was a typo or other mistake. AmEx said it was because that 's how much we had on XX/XX/XXXX, then we redeemed {$50.00} on XX/XX/XXXX. We asked why that redemption had not been subtracted from the displayed Blue Cash Rewards balance on the statement issued nearly a month later, on XX/XX/XXXX. AmEx told us " it takes more than one billing cycle to post. '' That contradicts the XX/XX/XXXX billing statement, because the {$50.00} redemption listed as a credit on page 3. So clearly it had already posted, just like the numerous XXXX XXXX charges through XX/XX/XXXX.  AmEx expects us to pay. So we asked AmEx to honor the {$89.00} balance displayed on our statement, and allow us to redeem {$75.00} of it. AmEx refused to honor the balance printed on our statement. Its insistence on publishing a high cash rewards balance then refusing to allow redemption based on that amount is confusing at best, and deliberately deceptive at worst.