davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the Credit Reporting Agency Transunion refuses to update my bankruptcy status from showing " Filing '' to a " Discharged. '' Once a bankruptcy has been successfully completed the credit report is suppose to reflect the change. So, on several occasions, I disputed my credit report on the comany 's website, via snail mail and over the telephone regarding the completion of my bankruptcy. I provided proof that the bankruptcy was discharged/completed and even instructed the company where there investigators should specifically look, when he/she/they go into the bankruptcy XXXX system to verify the completion of my case. Yet the company is the only credit reporting agency that is not satisfied with the correspondence that which I provided them. I do not understand what the problem is and at this point I believe that I am being discriminated against and my consumer protection and Civil Rights are obviously being violated. I have also been turned down from a Civil Service job opportunity because of the open/active/filing status of my bankruptcy case with this credit reporting agency. Should you need evidence of my lost job opportunity, I am willing to support this claim. This company is also interfering with my future plans of purchasing a home due to their refusal of changing my bankruptcy status. In addition, according the the benefits of what a discharged bankruptcy is suppose to provide debtors, this company is preventing me from receiving a " fresh start '' in my life. Please help me as I am exhausted, stressed and disgusted with the unprofessional, unethical. undue hardship, and discriminating behavior that the company has imposed upon me and my family.
Consumer complaint received 2015-06-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (OH)

I had an online and Phone Quote from some Agent who worked for XXXX They Gave a quote where I had to pay XXXX $ for just one single month for my automobile insurance. I agreed and paid the payments for XXXX $ for XXXX months from XXXX to XXXX. The company called me back and Cancelled my car Insurance after the XXXX month Period and said I had to pay them additional {$710.00} as my insurance quote increased. I never agreed for this higher quote and they reported this record as collections. This is a strategy used XXXX to rip off the customers. I had some speeding violation with no XXXX ever in my record. I never agreed for a quote where i had to pay more than XXXX $ a month. I agreed for XXXX and paid the months I had insurance with them. Now they have reported me to credit collections and it is impacting my score and APR 's very badly.
Consumer complaint received 2015-09-06
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I have a Bank Of America Credit card and they do not allow you to set a automatic payment of the minimum due. You must set a predetermined amount. I called them because I got a late fee and there reason is you need to look at your statement each month and pick an amount. 

So I did not look at my statements for two months and got charged a late fee. I called them and they refused to fix it.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (VA)

While on board a US Airways flight on XXXX/XXXX/XXXX, I received an offer from US Airways representatives on board the flight for a MasterCard. They provided me with the attached flyer that describes the benefits of the card and stated that we would receive these valuable benefits if we applied for the card while on board the flight. My wife and I each applied for separate cards during the flight and tendered the applications to the US Airways representatives. We each received separate cards in XXXX XXXX ( The annual fee of {$89.00} was billed on my account on XXXX/XXXX/XXXX and on my wife 's card on XXXX/XXXX/XXXX. The attached flyer provided by the airline references benefits of the card that include : - {$99.00} companion certificate. The application states '' Every year you will receive a companion certificate that allows up to XXXX guest to travel for {$99.00} each, plus taxes and fees ... '' - Complimentary US Airways Club day pass -First Class Check in and Zone XXXX boarding. 
-first checked bag free for me and up to XXXX travel companions I received the companion certificates and other described benefits for my first card year, commencing XXXX/XXXX/XXXX, as did my wife. According to the brochure, we are to receive the companion certificates on the anniversary date for each card. I was charged another annual fee of {$89.00} on XXXX/XXXX/XXXX. I contacted US Airways BarclayCard tody to request my companion certificates and other benefits for XX/XX/XXXX and I was informed that they have changed the program and these benefits are no longer available. I received no notice that the benefits were changing prior to being charged the annual fee. This is a classic bait and switch scam.The value of ( XXXX ) companion tickets in the US can be as much as {$1000.00} per ticket or more, depending on dates of travel. I request that US Airways honor the benefits that we were promised to my wife and I for our respective credit card accounts.
Consumer complaint received 2015-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have a home equity loan with HSBC Mortgage Service Center XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, Mt XXXX, NJ XXXX ). On XX/XX/XXXX, 2013, I made a XXXX check payment of {$6000.00} towards my loan. According to HSBC 's payment policy indicated on their payment coupon, any amount above the monthly payment will be applied to the principle, but HSBC wrongfully apply the extra amount to XXXX times of interest and principle. I called them on this mistake, they admit this mistake, but intend to confuse me with mistaken calculations. This practice is absolutely not acceptable! The amount they should deduct from my account 's principle is {$1300.00}. Please instruct them to correct this mistake ASAP. Thanks!
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

Rushmore Loan Management Services LLC ( RLMS ) purchased my mortgage from XXXX XXXX XXXX in XX/XX/XXXX. I was assured the my loan payment would not increase, however, since XX/XX/XXXX, RLMS has continued to increase my loan payments stating variety of reasons such as home insurance increase, property tax increase and escrow shortage. I requested to have my loan account to be reviewed for the listed shortages and the company did not respond for 4-6 months. XX/XX/XXXX I received another report listed escrow shortage, this time much larger that the last. I am sending my written request to RLMS on XX/XX/XXXX for yet another investigation in the shortages. My home insurance and property tax increased for an annual total of {$97.00}, not even close to what the RLMS ' shortage amount of {$780.00}! Please advise on proper legal action so that this company does not commit fraud.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hopefully, I have chosen the right avenue to lodge this complaint. On XXXX XXXX, 2015 I walked into XXXX XXXX in XXXX, VA. My purpose was to purchase a XXXX Chrysler 300. When I arrived, I informed my sales agent that I had a check from XXXX XXXX to cover the purchase. Subsequent to agreeing on a price for the vehicle, the salesperson brought a document for me to sign. I looked over the document and notified the salesperson that I would sign, but I did not want the dealership to look for financing on my behalf. The salesperson assured me that would not happen. After about a two hour wait, I finally went into see the finance manager to finalize the transaction. About a week after I purchased the car, I began to receive notices from various lenders notifying me that they were sorry, but they could not extend me credit to purchase the vehicle. After receiving several more rejection notices, I checked my credit report and found out that close to XXXX inquiries had been made by the dealership on my behalf for financing. Upon gaining this information, I called the dealership several times over a 30-45 day period, seeking an explanation for the unauthorized inquiries. I received no return phone call. On XXXX XXXX, 2015 I decided to e-mail the General Manager of the dealership. Within a few hours of my email, I get a call from the finance manager that completed my transaction. He explained to me that there must have been some " misunderstanding '' with the salesperson. The finance manager said that because I signed the document that the salesperson gave me, that gave them the right to shop for financing on my behalf. I informed the finance manager that I signed the document with the explicit instructions to the salesperson not to try to find financing, and that the sales person told me the dealership would not be looking for financing for me. Again the finance manager told me that there was nothing I could do. I asked for some kind of compensation for the unauthorized inquiries and again I was told there was nothing that could be done. XXXX lied to me and shopped for credit without my authorization. I would like some form of compensation for this violation of my rights.
Consumer complaint received 2015-11-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (NY)

After receiving a call for the first time, was told they called me 96 times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.
Consumer complaint received 2015-09-06
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: Jonathan Neil & Associates, Inc (NJ)

My mother was visiting me recently I told her I was upset because I had a letter from XXXX/XXXX/2014 threating to suspend my drivers license and remove the license plates from my car I was afraid I told my mother the letter is from a lawyer the letter had legal terms I was afraid I showed my mother the letter and she told me the letter is from a collection agency my mother told me there are at lease XXXX violation of the FDCPA a collection letter that is worded like a letter from a lawyer a collection letter that does not include mini Miranda violation fdca XXXX XXXX multiple violation XXXX XXXX and XXXX
Consumer complaint received 2015-06-17
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TN)

A {$250.00} payday loan was deposited into a checking account I closed in 2013 from CashNet USA. I might have used this lender in the past but it had to be over 2 years ago. I called the company once my old bank contacted me ( I had no idea this money was deposited until CashNet USA tried withdrawing more than {$250.00} ) and was told I needed to file a police report. I explained my situation emphasizing fact they sent unauthorized money to a very old bank account but they still refused to help. I also offered to send them a copy of my current account statement showing I had absolutely no need for {$250.00}. My old bank ( XXXX XXXX ) is in the process of returning {$250.00} to CashNet USA yet I still received an email stating my account is being turned over to collections. This is a giant scam!
Consumer complaint received 2015-06-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (AZ)

I financed a vehicle in XXXX XXXX from a company in XXXX County California called my car agent. It was a buy here/ pay here deal where I made my payments directly to the company due to my credit score. I had the car for over a year and made all my payments on time. I ended up losing my job in XXXX of XXXX and my unemployment benefits ran out later in the year so I was unable to pay my car payment and still without a job. By that time the company had changed their financing to a company called drive it financial services. So when I surrendered my vehicle it was a repo and the company started trying to collect. They never sent me anything regarding how much the car was sold for or the manner in which is was disposed. It was a XXXX Saturn with XXXX miles on it. I owed a little over XXXX on the car and when I started being harassed for collections I was told that I now owe about XXXX meaning the car was sold at about a thousand dollars. I received many harassing phone calls from people claiming to be lawyers who were rude and I requested documentation verifying how and when the vehicle was sold in order to ascertain how much I truly owe and the company refused. I do not feel comfortable moving forward and paying a balance if there is no proof that I truly owe this. What if this car has been sold for more money or financed to another individual and I do not owe this amount they are seeking? I need answers
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

Convergent XXXX XXXX reported a collection on my credit report, supposedly myself owing XXXX a balance from an old account, account number XXXX. I received a letter from Convergent, also attached to this email, dated XXXX claiming the debt. I responded to the claim, with the copy of the equipment return, showing a {$0.00} balance from that account on XXXX. Convergent nor XXXX had contacted me before the date of the letter from Convergent claiming the debt. However, prior to receiving this XXXX letter from Convergent, the collection was on my credit report. Convergent was in direct violation of the FDCPA and FCRA laws. Those laws state that I have 30 days from the date of the letter, which was received 7 days after the date of the letter. I immediately responded to convergent with the proof of no debt owed to XXXX, and my complaint that they did in fact violate laws by reporting the collection prior to my 30 day response period, and by not providing verification properly, specifically FCRA, 611.B.iii, showing and describing the process, person and accuracy of the debt, NOT a printout of a " supposed '' invioce. I sent the dispute to Equifax, which failed also to properly and legally verify the process and person and true verification of the supposed debt. The " supposed '' invoice and collection amount is only {$130.00}. Which had I been contacted by XXXX or even Convergent, PRIOR to and in accordance with the FCRA laws of the " 30 day '' period they are required to allow the " debtor '', this would have never become a collection account. I have provided proof to Equifax and Convergent of their viloation of my rights and the FCRA laws, and neither company removes the falsehoods of this account.
Consumer complaint received 2015-05-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

i was charged XXXX in overdraft fees for XXXX transactions ( totalling {$20.00} for all XXXX ) due to the banks ATM machine not accepting my cash deposit. I was basically called a liar and advised that people before and after me were able to make cash and check depositis without any problem. I told them they should check the video footage then and they 'd see i had a problem. waiver request was denied. i did n't have access to the internet to do an electronic transfer and the ATM that i knew of ... i would n't have made it there by the XXXX cutoff.
Consumer complaint received 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I have a number of student loans, and am on forbearance. I was basiclly bullied into it with constant phone calls as I was trying to make ends meet. I finally gave in. Now I have mounting interest. My eldest sister is also currently facing similar issues but XXXX XXXX now Navient is harassing me and calling me and bullying me to contact my sister to call them back. I have been told this is illegal and as a person who knows I will carry this debt with no hopes of owning a home or car, I can not continue to be harassed by a company when I am an honest tax payer and trying my best in a economy not doing well. I have over XXXX in student loan debt and I am paying for it emotionally and financially. It is a burden I feel that needs to be taken seriously but I am constantly overlooked as many people in my bracket. I will continue being a good and decent human being but I do not believe it is right to attack me over and over.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$4200.00} EXETER FIN XXXX XXXX : {$23000.00} XXXXXX/XX/XXXX XX/XX/year>XX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX, Account Number : XXXX Dear Experian Dispute Resolution Team, I am writing to formally dispute an item on my credit report that I believe is inaccurate. The account in question is listed as XXXX XXXX, with account number XXXX. 
Upon reviewing my credit report, I discovered that this account has been inaccurately reported. I have contacted the creditor/lender, but they informed me that the they no longer possess any documents related to this account. Despite this, Experian has certified the account as accurate during a previous dispute. 
This incorrect information has severely impacted my borrowing power and has led to a significant drop in my credit score. This has affected my ability to obtain credit and manage my financial responsibilities.

Given these circumstances, I am requesting the immediate removal of this account from my credit report. The presence of this inaccurate information is unjustly harming my credit profile, and I respectfully ask for a thorough re-investigation of this matter. 
Please provide me with a written confirmation of the results of your investigation and the actions taken to rectify this error. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This car was fradulently obtained. XX/XX/XXXX until XX/XX/XXXX I was XXXX  in a XXXX XXXX XXXX. I have filed an FTC Report and a Police Report in regards to this matter. I have requested several times from this creditor to investigate this identity theft and they have refused. I did not purchase this car, my information was fraudulently used to obtain this auto loan.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I submitted a dispute with Experian a couple months ago and they have not given me the investigation results or any correspondence in response to my dispute. The dispute was about a XXXX XXXXXXXX account that I believe was reporting incorrectly. I do not know how to expertly read a consumer report so I am requesting that Experian ensure that all fields are accurate, complete, and verifiable. In my dispute I mentioned that the furnisher did not give me a written notice stating that they will furnish negative information and that I want the them to request from the furnisher proof that they have provided me that information. Please see attached. Additionally, the account is closed but it is reporting on a monthly basis which is inaccurate and incomplete. The Experian legend has a closed legend status and it shows that the account is closed but a closed account can not continue to report.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

There was fraud committed on my loan when it was originated in XX/XX/XXXX. The loan origination company intentionally switched me as the primary borrower and made my ex-wife as the primary borrower and the mortgage company intentionally used the wrong social security number on the loan application as mine so that my debts would not show up on the credit report in order to qualify my ex-wife for the loan. 
As a result of this fraud, I have been unable to refinance the loan in my name since my divorce in XX/XX/XXXX because every mortgage company that I applied for a loan told me that the loan with Chase was not mine because it does not show up on my credit report. Consequently the loan has gone into foreclosure due to my inability to refinance at a lower rate. 

I have also submitted a complaint by fax.
Consumer complaint received 2015-11-26
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I stopped into a bank ( Regions Bank ) to ask the process for an auto loan. I was told to send a copy of the title and bill of sale to start the process. Once I submitted the documents additional step that were not acceptable were presented. I informed the bank I did not want to pursue business with them. At that point they informed me they had pulled my credit days before. I never was told anything about access to my credit file during my initial introductory meeting, I never authorized access and never started any loan process.