davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

To whom it may concern : I have applied for the American Express XXXX XXXX XXXX credit card onXX/XX/XXXX and got approved with a {$6000.00} line. Earlier today ( XX/XX/XXXX ) unexpectedly I noticed that my other American Express Bluecash Everyday card that I have been using since XX/XX/XXXX has got a line decrease all of a sudden from {$12000.00} to {$6700.00}, so I called American Express customer service right away. Throughout my conversation with them, it seems that when they approved my XXXX XXXX XXXX card application, they allocated {$6000.00} of my XXXX XXXX card line to the new card, and the only option to increase the line for my XXXX XXXX card is to apply for a credit line increase. This is the problem. First of all, there was absolutely no communication/notification to me regarding the line decrease/credit line allocation between the two cards in any forms after I was approved for the new card. It 's not only a question on credit card line strategies but also a customer service issue - I feel that I was n't fairly treated with my right to get notified regarding the credit decisions that the credit company is making. I understand that credit line decrease is usually communicated before being implemented and it usually has negative impact on credit bureau profile. Secondly, as much as I want to have the new card, I want to have sufficient spending limit on my XXXX XXXX card, and the sudden decrease is certainly not helpful on this front, and has affected my upcoming spending plans. Last but not least, customer service transferred me from one department to another during our conversation without providing much helpful information regarding what the possible solution is for this matter. When it comes to a " final conclusion '' that I need to apply for a credit line increase, I feel it 's beyond unreasonable as they cut the line without telling me in the first place, and by applying for credit line increase, they will have to pull my credit again without any guarantee that the line is able to be increased back to the level it was. To summarize, it was a fairly disappointing experience with American Express, and hope that the issue could be further addressed to them and resolved in a mutually-beneficial way. Thank you very much.
Consumer complaint received 2017-07-09
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: CORELOGIC INC (FL)

There are two hard inquiries on my credit report from the same company : Credco. The inquiries are 3 days apart.One in XX/XX/XXXX and one XX/XX/XXXX. There 's also one inquiry from XXXX XXXX XXXX on XX/XX/XXXX that was n't approved. I have credit cards with XXXX but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.
Consumer complaint received 2017-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (ME)

On XX/XX/2017 I received my mortgage statement in the mail. I looked at it and it had a next payment date of XX/XX/2017 and I thought that was odd. I turned it over and saw that flagstar had entered in 3 fee amounts of {$990.00} all on the date of XX/XX/2017. Then it showed 2 payments of {$1400.00} posted to my account on XXXX. I made a payment of {$1400.00} on XX/XX/2017. I have no idea what happened so I called Flagstar. I recording of my account information said I made a payment of {$15.00} on XX/XX/2017. I  waited and talked to a girl and she said I was not due for another payment till XXXX and I said something is wrong I did not make all these extra payments and she said do n't worry just pay when it says to. Flagstar has applied someone else 's payment to my account before so I 'm assuming that is what happened. The girl opened up a case and I asked that someone call me and today is XX/XX/2017 and no one has called me. My case # is XXXX. I have been also checking my credit bureau and the balance on that for the month of XXXX shows a balance of {$210000.00} but Flagstar is showing a balance of XXXX that is a difference of {$2200.00}. The Credit Bureaus receive the update from the company every month so something is wrong with that. I want Flagstar to fix what is wrong and correct it. I am still waiting to hear back about the other case I have with Flagstar # XXXX that involved my modification and not removing my ex-husband and not having him sign any of the paper work and making me the borrower but he is still on the modification as you can see with the attachments I am sending he is still the primary borrower.
Consumer complaint received 2017-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX did 4 hard inquires in 4 days. XXXX2017XXXX XXXX2017, XXXX2017, XXXX/2017. There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TIDEWATER FINANCE COMPANY, INC. (MI)

I am trying to pay off an installment loan with promotional with Pioneer Finance. I called their call center to get a payoff amount ( there is a payoff amount listed on their website but it does say to call to confirm ). There is no indication on the website of when the promotional financing period end or what interest amount is due. Upon calling the customer service line, they were not able to provide me with the amount of interest due but did advise that I would owe the entire interest ( I should note that they did not contact me after I requested a call back and the hold times were excruciatingly long ), even though none of this was stated on their website. The representative insisted that all of this information was stated on my paper bill, which to the best of my recollection, I have not received a single copy of in 2017. I did explain that I had recently moved out of my brother 's house but he continues to forward mail to me and WE HAVE NOT received any statements from this company. I am very bothered by the fact that the website is deceptive in the paucity of available information and I was bothered by the fact that the company itself could not provide me accurate information and the information they did provide was contradictory and opaque. I obviously would have paid this balance off well before the finance period ended, had that been made clear to me. This company exhibits much of the same behavior as a loan shark, which is what the laws of this country are supposed to protect its citizens against.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (OR)

I have called LoanCare 6 times over the past XXXX weeks - XXXX XXXX to XXXX XXXX. They are reporting a delinquent loan that was XXXX days late. Unfortunately this error was report to all 3 credit agencies and it lowered my credit score. I am now having problems refinancing my home, because my credit score has  been impacted because of this error. My loan is not in default and I have never been late on a payment ; however, LoanCare is reporting it as 60 days late. I spoke to upper level management at LoanCare and filed a claim with a ticket number. They have not done anything to remedy the situation.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc. (NC)

Yes I Purchased furniture from Conns in 2015.. When I made the purchase my limit was XXXX. I did use the line but now the line is showing on my credit report 2 x one for XXXX and one for XXXX. I could n't even purchase that much. I have made several attempts to dispute and I even informed the collector I would not make any payments until the XXXX $ was removed. I will accept the higher one. They also called me back into the store that same week to resign paper work which I thought was weird because they say the signatures did not match. How is that? this is crazy to me and it is going on 2 years now
Consumer complaint received 2017-07-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I started the loan application process with Wells Fargo on XXXX/2016. Everything was going smoothly until the mortgage processor XXXX XXXX started to no longer communicate, and promise to take care of things and then not do them. As a result of her not doing her job in a timely fashion, the bank re-ran our credit as the application was in process for four months and at that time my credit score had fallen below the bank 's minimum thus causing them to decline the loan. I contacted the bank provided them documentation proving that XXXX XXXX was negligent and she caused the delays in processing not myself or my husband. After a month long " investigation '' we were basically told oh well she will be spoken to and you are still denied.
Consumer complaint received 2017-03-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

Was receiving calls from Allied Collections in XXXX, Mi for some outstanding medical bills. On XXXX XXXX, 2017 a settlement was reached for {$1300.00} to close all outstanding medical accounts. The amount was paid in full. Maybe two weeks later after my credit report was refreshed it showed the accounts closed, but NEW accounts were added from Allied Business Solutions ( same company ) all for the same exact dollar amount as the ones that were just paid off in the settlement. Unfair and deceiving business pratice plain and simple. This company operates under different names but are all the same.
Consumer complaint received 2017-07-20
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. (MD)

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted in XXXX, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. In addition, I had a fraud alert placed on my file in XXXX of this year and yet there is a credit inquiry from XXXX XXXX in XXXX. The fraud alert states that i am to be contacted by phone. This did not happen. Lastly, I have requested that they remove inaccurate addresses, this has yet to be done.
Consumer complaint received 2017-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Funding,  who has bought the credit card from   XXXX   XXXX  . I have already complained about this. They response was that yes I had debt protection insurance and that the claim was notated by the company, but now  Midland Funding  is garnishing my wages. I will pursue them legally and counter sue if this is not remedied. They are sneaky and disgusting, They already stole  XXXX  from us when they attacked us for a debt my husband did not owe. Obviously they are doing work for the  XXXX .   If you refer to my former complaint about the   XXXX   XXXX   account that is what this has evolved into.I have been  XXXX  since   XXXX   due to the negligence of a physician and hospital, which is why I used the debt protection. What good is paying the debt protection monthly and then not be able to use it when the situation happens.
Consumer complaint received 2017-08-21
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)

XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.
Consumer complaint received 2017-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Without notice, justification, cause, or documentation despite requests USAA has removed my online access to my auto loan. I am unable to view or pay my loan as everything is done online and I am no longer able to access my account. I was told I should regain access, then told I would not be given access to my account online. This is a problem, as I have not received paper statements for a while.Thus I do not know where or when I send in my payment. I am unable to view payment history, or anything to do with the account. I have not so much as received a single phone call regarding my auto loan from USAA. I have called to inquire about this and have just been told someone would be in touch. It 's well over a month now that I Have not had access.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OK)

Chase Mortgage intentionally with malice of forethought committed constructive acts to defraud their customers : Last month I noticed my FICO score had dropped 5 % and during a recent loan qualification process i found that all three credit reporting XXXX, XXXX, and XXXX had all dropped 5 %. I immediately requested the support. In XXXX I received a letter from Chase telling me that my account number was being changed, I immediately changed the bill pay profile to the new account number. In the interim Chase reported BOTH XXXX and XXXX to all three credit bureaus as NOT paid they LIED. XXXX years NOT on single late payment made NOT one late payment nor late payment assessment every payment made 24-72 hours BEFORE due as our XXXX and XXXX payments to Chase, BOTH of those payments were in full 48 HOURS prior to their due date. Why would Chase do this? Like I said CONSTRUCTIVE ACTS TO DEFRAUD! They intentionally misrepresent payment histories to drive customer Credit Ratings down. Why because they can then raise the interest on the loans that at tied to Credit Ratings they are XXXX XXXX crooks thieves they will steal anything they can steal lie, scheme connive paid off lobbist,,, Should be a class action lawsuit against Chase and every lobbyist they used to misrepresent /lie for them! My conversation with Chase Credit Management representative this AM the credit management representative told me the recently passed RESPA gives us legal authority to misrepresent customer payments history with Chase There should be a class action law suit to put these XXXX XXXX XXXX put them in prison where they belong!
Consumer complaint received 2017-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (UT)

Discover Card has called me numerous times a day. I have told them I am at work and they ca n't just keep calling me so many times a day EVERY day! The most frustrating days I feel like it 's harassment is when they call an hour apart. They do n't leave a voicemail when they call, so they call you to pretty much accomplish nothing but annoy and bug you. People are busy and ca n't answer every harassing call, leave a ( This is all MST ) XX/XX/2017  calls at XXXX and XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX XX/XX/2017 calls at XXXX, XXXX and XXXX XX/XX/2017  calls at XXXX, XXXX, XXXX, and XXXX ( This day I got upset with a representative and asked that they not call me so many times, it 's harassment. It 's probably why the calls stopped for a few days. ) XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX XX/XX/2017 call at XXXX XX/XX/2017 call at XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX, and XXXX  XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX
Consumer complaint received 2017-07-20
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. (AL)

I have submitted a complaint about my credit report however I have not received any changes. There are tax liens as well as inquiries that do n't belong to me. I have no knowledge of this debt. Please help me! I am furious!! Take them off!! State lien paid in released ( XXXX ) State lien ( XXXX ) State lien ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX  XXXX XXXX Inquiries that were not authorized! XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/Experian credit works XXXX Experian identity rise consumer info Please Remove them immediately!! It should be illegal to report items that do not belong to me!!!
Consumer complaint received 2017-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (NM)

On XXXX/XXXX/XXXX, my wife and I used the Chase Bank Quick Pay with XXXX XXXX to transfer {$400.00} to a joint account of ours at XXXX XXXX. The money has never arrived in our account at XXXX XXXX. We have spoken with both banks on the phone and in person on multiple occassions since XXXX XXXX. During one phone conf with Chase at the end of XXXX, the agent confirmed that the funds were in the process of being returned to Chase and that they would be back in our account in 2 to 3 business days but the funds were not returned. Subsequent calls to Chase disavowed any knowledge of the funds being returned.
Chase says the transaction was completed. A copy of their claim resolution and claim rejection letters with date, amount, and transaction numbers are attached along with the account acitivity since XXXX XXXX, XXXX showing the funds have not been returned. XXXX XXXX says they do not have the funds nor do they show any pending transactions. Account activity from the XXXX XXXX account dating to before XXXX XXXX is also attached showing that the funds were never received in that account. The money has not been re-depositied by Chase and  has not been deposited in XXXX XXXX as of this date. Please ask these banks to investigate and determine where the funds are.
Consumer complaint received 2016-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Eagle Home Mortgage, LLC (FL)

I applied for a mortgage thru XXXX, affiliate of XXXX to purchase a XXXX home, I submitted a {$10000.00} deposit to XXXX. The loan was not approved due to the sale of my current home not going thru and I have since been denied the return of my {$10000.00} deposit from XXXX. See communication from XXXX, XXXX, XXXX # XXXX Phone # XXXX
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (DC)

Through XXXX I received a trial loan modification from DiTech which began in XXXX, 2017 and successfully completed my payments in XXXX, 2017. I have been waiting since the completion of my final trial loan medication to receive my finalized loan modification documents. XXXX, XXXX XXXX XXXX worked with a XXXX . XXXX in DiTech through this process, however in XXXX, 2017, DiTech forwarded to me through their attorney Default asking for the amount that I am paying through Chapter XXXX. I have been current and so they withdrew those documents. Now they are refusing to forward me my finalized loan modification documents. When I got the loan modification I was told by my bankruptcy attorney and XXXX that my payments to the Trustee would be reduced or cancelled once I received the final documents. DiTech after months of trying refused to speak to XXXX and they have my written consent to do so, and they refuse to speak to me. When I call they tell me that they are still working on the documents. When I ask how long its going to take or why is it taking so long, they wo n't answer and try to brush me off to the loan modification unit which only transfer my call back to the bankruptcy unit. My attorney called them last week, on the XXXX to be exact and was told that I would receive my documents when I made my final payment in XXXX. I never received any thing from DiTech informing me that they had changed my trial loan modification documents and when I contacted XXXX XXXX of XXXX they had no knowledge of this either. So I immediately called them back and they informed me that they were still working on the final papers. They had no problem sending me a Default notice to foreclose on my house in XXXX, which they withdrew once XXXX and my attorney got involved and we sent them copies of the trial modification submitted by them. They have made it virtually impossible to live. I pay the trustee XXXX per month and them XXXX. So they are collecting monies from the trustee which should be stopped because those amounts were added to my trial loan modification, plus my monthly mortgage which increased from XXXX to XXXX. I ca n't afford my medication, to buy food, pay my utilities and if the Federal Government was n't paying my transportation costs to and from work, I would n't be able to get to work. Please make them forward me my final loan modification papers. They are illegally getting money from the Trustee and me and they have gone up twice on my mortgage since I 've filed bankruptcy and my homeowners payments decreased by XXXX. Please help me. Thank you. PS I won several class actions suits, though not a lot of money, for predatory lending and submitting false balances on my account, like they did to others. Please help, I am XXXX and need my medications or I could die. I have XXXX XXXX XXXX, XXXX, and some other aliments I would like to keep private.