davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
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. (TX)

Today, XXXX XXXX I received a credit alert that my credit score decreased. This decrease also reported to all three credit bureaus. The reason for the 22 point drop was because XXXX XXXX XXXX ( XXXX XXXX ) added a comment of " Natural Disaster ''. So I called and spoke with a customer service rep, which was no help at all and kept having a small giggle. So I asked for a supervisor, to explain to my why that comment was added. I paid my balance down significantly, on my own with no assistance from XXXX XXXX XXXX ( XXXX XXXX ). The supervisor informed me that they put that comment on all there clients credit reports because the credit card services was offering a XXXX day no interest, late fees on the credit cards. I said, I understood that. However, I did not get any assistance in that nature because I paid my card down on time and it was not late. So technically, that remark should have never been added to my account on my credit. I informed her that putting remarks like that DECREASES consumers scores. My score showed going up for the decrease in balance then dropping 22 points due to the natural disaster remark. The supervisor stated, she will request for that to be updated and removed and they did n't realize it would dropp consumers scores. She also, informed me that if I wanted to go ahead and file a complaint then I can do that as well. So here it is. Now I want to know how I will get my 22 points back? I 'll wait. I do n't know about anyone else, but my credit is VERY IMPORTANT to me and I work hard to keep it up.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, There is incorrect family relationship information being reported both privately XXXX including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.
Consumer complaint received 2017-12-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (LA)

Westlake Financial is charging me more than 17.99 % on a used car loan. The interest rate of 17.99 % is already to much that they charge daily. My note is XXXX a month that started last XXXX. I started by paying XXXX a month to pay it off quickly but starting the first payment they took nearly 300 in  interest, and it increased. I stopped paying that amount and started paying less and they took more of that for interest. It 's to high of interest vs. Legal limit in my state of Louisiana and their 's in California. I  have paid a total of just over 4010.00 on a XXXX loan and my off as of today is XXXX. That is more than unfair. It is usury, not to mention pathetic.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Account # XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX To CFPB : Im experiencing some concerns with Select Portfolio Servicing Inc. ( SPS ). My mother XXXX XXXX owned the property located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I sent several emails and letter to SPS requesting to make payment arrangements because my mother XXXX XXXX. I was informed by SPS that I was approved to for a short sale and the property would be paid in full. I receive a letter explaining the terms of the short sale. I was required to send a cashier check or wire funds by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a check of {$1000.00} to pay off the short sale. On XXXX XXXX, XXXX, I called SPS to confirm that the payment was received by SPS. Also, I sent my mothers XXXX XXXX and estate affidavit. I was told by XXXX XXXX, Relationship Manager that the check was received by XXXX XXXX, XXXX. Also, I wanted to know the next steps since the check was received before the deadline. XXXX XXXX informed me that the account was paid in full and SPS would release the lien on the property and she stated congratulations. 

On XXXX XXXX, I called SPS to inquiry about the status with receiving documentation that the lien was released and the property would be in my name. SPS immediately stated that they didnt receive the payment and I lost the property. I sent a copy of the cashier check and I called XXXX XXXX to inquire whether the check was cashed. I was in formed by XXXX XXXX the check was cashed on XXXX XXXX, XXXX. 

My mother own the condo and I tried to settle the debt with SPS, however I feel they have tried to take advantage because they informed me that I no longer own the property. Please feel free to contact me at ( XXXX ) XXXX-XXXX.
Consumer complaint received 2017-09-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My wife and I reached out to Capital One for a refinance on our home with the option to take cash out. This process has been going on for over 3 months now. Capital One has counter offered my wife and I on several occasions. At first they were going to payoff the 2 cars we have, and all the credit cards we have. Then they called us and told us they could not payoff one of the cars because it 's a Capital One auto financed car. Then they stated they could not payoff 2 of our credit cards because it 's a Capital One credit card. On the second counter offer after the home was appraised from outside " The appraiser never came in to the house for a full appraisal '' The appraiser appraised our home as a 3 bedroom 2 bath. Well we have a 4 bedroom 3 bath. He appraised our home a XXXX. After we told them they appraised our home incorrectly the appraiser came back and this time he came inside the home. After that report he appraised our home at XXXX. Not sure how a 3 bedroom appraises more than a 4 bedroom. Since then we had a neighbor sell their home and we have the same exact square footage and plan and their home sold for XXXX. We also had a licensed realtor come by and he is willing to list our home at XXXX. After the low ball appraisal offer came in from Capital One 's preferred appraiser. We were told we have to hire a realtor and get the comps associated with our area within 1 mile. Before all of this Capital One stated they will be paying our closing cost and they will be paying our title fee. Well after this 3rd counter offer they told my wife and I that we have to pay the closing cost and title fees, not only that we will have to get back 4k-7k on proceeds back to the homeowner. I feel they have lead us on and I feel they have discriminated against us. Not only this deal is not fair but they re-wrote our loan at least 3 times into their favor and not ours. I do feel they just wanted another loan which is with XXXX XXXX onto their books and they were willing to do this by any means necessary. I would like to take a step further and hire a real estate attorney in regards to discrimination. Please let me know if you need any other information. 

Thanks -XXXX. XXXX
Consumer complaint received 2017-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MN)

My complaint is with XXXX more than my loan servicing company. When I was a student at XXXX for XXXX, I was lead to believe my loan repayment would be less than {$100.00} a month. This was the whole reason I signed up with them in the first place because they made it seem like tuition was going to be about as affordable as local schools were. 

Not only this but I had a host of other issues with them - including my initial advisor not changing my classes when I changed programs, resulting in me taking classes I was not required to take and then they refused to refund the money for those classes despite this being their error. New advisors constantly gave me the run around and I eventually had to drop out because I could n't keep wracking up even more debt due to their misleading practices and failure to " advise '' properly.
Consumer complaint received 2017-09-28
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

I checked my credit report on XXXX XXXX, 2017 and recognized the inquiry. I called one main, and the operator told me she never heard of an inquiry being removed Wether it was authorized or not.
Consumer complaint received 2017-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Re : Account Number end with XXXX Case Number : XXXX Capital One closed my dispute case and did n't ask me the same information they needed from my account Dear Sir or Madam, I 've made a dispute with Capital One credit card with the amount of {$270.00}. The credit card was charged by XXXX XXXX XXXX on XXXX XXXX, XXXX. I made the dispute because I went to the clinic with pain and swollen, the doctor checked my teeth and said he could n't find my root canal but they swiped my credit card for root canal treatment. I still felt pain afterward and after a month I finally got XXXX Dental Center to do the root canal. Capital One sent me a letter indicated that they want me to provide additional information about invoice or agreements but it was very frustrating because XXXX XXXX XXXX did n't provide any estimates, agreements or contracts to let me review or sign at XXXX XXXX, the date I went there. And I 've never agreed with any prices and never sign for any credit card receipts. 

Capital One rebilled me and sent me a letter and ask me about sales invoice or purchase agreement, from my understanding, the agreement or invoices should be provided by the merchant, and I 've never received one. I faxed the receipts I got on XXXX XXXX and I called Capital One again, they said they need to have " Second opinions from a professional specialist with a letterhead '' and they already closed my case.  They should provide a letter to me when they need this information but they have never asked me to and the letter they sent to me was the letter to ask for invoices and agreements. And that 's also the information not from my end, they should investigate the merchants, because they did n't give me one. 

FYI, I called Capital One again today ( XXXX XXXX ) The name of the agent is XXXX, Agent ID XXXX, she asked me to provide the second opinion from another dental specialist but she  also agreed that it was not the information which Capital One Dispute Department asked me to provided. But they already closed my case.
Consumer complaint received 2024-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC (TX)

Vehicle was under insurance at the car lot who provided their own insurance services which were paid for every two weeks. Vehicle was wrecked in a storm and deemed totaled. Auto company overpriced the vehicle by over XXXX of value. When I asked for insurance documentation on what their insurance company paid them or covered vehicle for they refused. Instead they put auto loan on my credit for almost XXXX grand and marked it as bad debt.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (IN)

My name is XXXX XXXX, This is a request in the validation of claims that negatively affect my credit report. I am not aware of any amount owed to your company on my behalf. So in accordance with 15 US code 1692 G I am requesting the ALL of the following.

I would like to see the original contract between me and the original creditor with my wet signature. 

I would like a full and detailed payment history on this account Is there any claim of insurance on this debt? 

And lastly I want to see the chain of title that you have to collect on assumed debt.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have a bill in collections from XXXX and it is because my initial bill was on a payment plan which was agreed to by the original creditor as they set me up on the plan. I received a letter on XXXX/XXXX/XXXX stating as of XXXX/XXXX/XXXX that I was being placed in collections. I called the original creditor the bill was with and they stated it was an error on behalf of the XXXX party and they were just supposed to be handling the bill. They looked and confirmed the bill was up to date and never late and my final payment was to be paid XXXX/XXXX/XXXX. I received a confirmation email that I paid the bill in full once the final installment was paid. Suddenly in XXXX XXXX I received a notice on my credit report that I was turned into collections. I then called the original creditor XXXX/XXXX/XXXX and asked them why they did this. They called the debt collector and said it was straightened out but they said there was no guarantee it could be taken off my credit report. In essence I was turned into a collection agency in a fraudulent manner. I then disputed the ding on my credit with Transunion and XXXX, with Transunion showing as it being open and outstanding and XXXX showing that the bill was paid and closed but still in collections. XXXX went ahead and deleted the blemish from my credit report but transition changed their status to paid and closed but in collections. They also resported the information in an inconsistent manner. I have emails about the payment plan and proof through my bank statements that the payment was taken out each month for several months on the agreed dates. I truly feel that I was wronged in this matter and I am extremely dissatisfied with the initial creditor, the collections company, as well as transunion. I am in the process of eliminating my debts and trying to purchase a house and now I have a collection listed on my credit and I will go to any length to have this removed from my Transunion report and have the correct information reflecting on my credit report. If I would have known this blunder would have occurred I would have just suffered a bit more and paid the bill in full. I want my credit report to go back to the way it was. If I am not able to get a proper resolution I will likely see about taking the original medical creditor and the debt collector to small claims court, or possibly even seek a lawyer to take legal action against them. The original creditor was XXXX and the collection company is XXXX The date of service was in the XXXX of XXXX XXXX a hospital in XXXX, colorado.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Exeter Finance, LLC. (PA)

I 'm getting another letter from Exeter Finance saying my paying car off was a trivial matter. They wont take the issue off the XXXX XXXX. 

I submitted a dispute. 

The payment in full $ 12,000+ was received from the car dealership and the creditor recorded it as late. It is lowering my credit score and they wo n't take the derog off the report. XXXX
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Experian to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

I have several sychrony bank credit cards and I was told today while trying to make a purchase without a call or warning that all of my accounts have been closed. They wo n't give me any information just tell me that I need to go and talk to my bank as to why but then when I call my bank my bank does n't know what I am talking about.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

In XXXX of XXXX I received a new credit card from Bank of America with an offer of a balance transfer for 0 % transaction fees and 0 % interest for 15 months. On XXXX XXXX I called and talked to a XXXX XXXX # XXXX and ask her if they would do a direct deposit into my account for the 0 % fee and 0 % apr. She then spoke to her manager XXXX XXXX and he approved this transaction. XXXX XXXX XXXX On XXXX.XXXXth when the billing statement came out I had been charged a transaction fee plus XXXX % interest. I called XXXX XXXX back multiple times and left messages, he never returned my calls. 

On XXXX. XXXX,XXXX I called and spoke to a XXXX who transfered me to her manager XXXX XXXX. XXXX He said per the notes on the account he would correct the problem and it would reflect on the XXXX billing statement. 

XXXX.XXXX,XXXX Billing statement did not show any change. 

XXXX.XXXX,XXXX Talked to a XXXX XXXX form XXXX , Pa.. XXXX spoke with her manager XXXX XXXX XXXX who said she would correct the problem within 7-10 business days and call me back. I did not hear from her and she has not returned any phone calls and my last message was that if I did not hear from her I was going to seek help from the Consumer Protection Bureau.
As of XXXX.XXXX,XXXX I have not heard from her and am seeking help from you. 

Thank you for your help.
Consumer complaint received 2016-10-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

PayPal updated their system unfairly and deceptively, without warning or advanced notice, that resulted in their system attempting to transfer funds from my checking account to pay for a PayPal purchase which was intended to be ran through my PayPal Line of Credit. PayPal, over the course of 3 weeks, has attempted to withdraw funds ( XXXX ) separate occasions. I only authorized one transaction which I expected to be my line of credit since I *RARELY* use PayPal for cash purposes. I can not recall the last time I used it for cash purchases. As a result, I have been charged {$89.00} in returned check fees from my bank due to multiple unauthorized transactions to my XXXX acct. My intent was NOT to use PayPal for transferring cash money, but rather utilize the PayPal Line of Credit.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Services, Inc. (NE)

I received a letter from Credit Management in XXXX XXXX Ne, it was dated on XX/XX/XXXX and received the letter on XX/XX/XXXX, I called on XX/XX/XXXX to Credit Management requesting the documents of the statements of the charges happening sometime in XX/XX/XXXX and advised that I would like to have those sent to me so I could look and compare my bank statements and that the address and name is incorrect provided the correct information and then the rep gave me about 5 different dates and asked when did the credit management sent me out any information the listed off dates that they contacted me on phone but I never received any communication from them other that 1 year prior and called them and requested the same statements so I could verify the charges and if I paid them, I never received those the prior year, and the informed them how is that my fault when I never received the correspondents to review. I in the mean time contacted XXXX XXXX and they advised that they did n't have a outstanding balance and the XXXX hospital contact person never returned my phone call. I finally received the statements that I requested on XX/XX/XXXX with correct mailing address but incorrect last name, I was able to verify that the first charge that they were requesting was paid in full in XX/XX/XXXX by garnishment. the second charge was vague information and placed a call into the XXXX hospital and they returned a call today XX/XX/XXXX and that was verified that was not paid. made the payment to the Hospital and received a certified letter from Credit management today XX/XX/XXXX they placed a summons to my county court for that amount of both and explained that the first one is paid back in XX/XX/XXXX and the hospital was paid today and they stated to me that they will place a request in to XXXX XXXX to clarify and show payment and that the hospital one would need to be determined but I still owe them their attorney fees but I advised that the one was already satisfied and other paid and hospital did n't advised me to pay the credit management. and represented stated that its being submitted for review but filing fees was my responsibility. at no time or on the first statement they sent out did it give amount of time or on the documents that they sent out to me did it have you have xxx amount of days to pay the amount due or it will be pursued to court. Am I obligated to pay the court filings even tho 1 was already paid and never updated on their end and the second one was taken care of as soon as I received the information that I requested. oh this was all over XXXX which was safitifed back in XX/XX/XXXX and the other was XXXX and filing fees are XXXX.
Consumer complaint received 2017-02-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My account has been in force since XX/XX/XXXX till suddenly closed on XX/XX/XXXX by Bank of America. On XX/XX/XXXX, B/A informed me that my home equity line of credit is scheduled to end on XX/XX/XXXX. XXXX XXXX, B/A Home Eq department stated via phone that this is in error, as the terms of the agreement were to be for 15 years, and could not end till XXXX. 

B/A Home Equity Supervisor XXXX on XX/XX/XXXX, or XX/XX/XXXX stated by phone she could not understand why I could not have access to my account before XX/XX/XXXX, so filed for review, # XXXX, and told me I would hear within 3 business days. It is now past 5 days.