davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

I recently went through a divorce and ran up the balance due to all the cost of divorce. I ended up selling my vehicle to pay this credit card.The balance was up to {$20000.00}. I paid this statement balance in full on XX/XX/2018. My due date isn't until XX/XX/18 or the XXXX of every month. I did not charge anything else on the card so it would be a XXXX balance statement. When I got the statement it had only one charge which was an interest charge of {$180.00}. I looked over the terms and conditions which state if you pay your balance in full by the due date you will not be charged interest. I contacted chase through their secure messaging center on XX/XX/2018 and requested them to waive the fee as this was a unfair deceptive or abusive act and to please waive the interest charge. They said no its a legit charge. I reached out Chase on XXXX on XX/XX/2018 and asked the same and they just don't care. Nowhere in their statement does it say anything about residual interest or that you have to pay multiple statements off in a row. This is deceptive and I've never had this issue with any credit card. If you pay the statement balance in full by the due date then you dont get charged interest. I'm wondering how many people have had this happen to them and they just keep doing this and taking advantage of people because they are so big? Terrible customer service terrible bait and switch. Just lying to the customers.
Consumer complaint received 2018-09-21
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. (MS)

I HAVE SENT LETTERS TO ALL THREE CREDIT BUREAUS, STATING THAT MY IDENTITY WAS STOLEN AND I NEED THEM TO VERIFY THESE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. XXXX  AND XXXX HAVE REMOVED THE ACCOUNTS THAT I DISPUTED BECAUSE THEY COULD SHOW VALIDATION. AFTER WRITING 3 LETTERS TO EXPERIAN ABOUT THESE ACCOUNTS, THEY STILL HAVE NOT SENT ME ANY PROOF THAT THESE ARE MY ACCOUNTS AND INQUIRIES. AFTER THIS COMPLAINT, I PLAN ON WRITING ONE MORE LETTER. IF THEY DON'T REMOVE THESE ITEMS I PLAN ON TAKING LEGAL ACTIONS.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-09-21
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Genesis Lending (AZ)

I filed for Loan Forgiveness in connection to the Debt Relief for XXXX XXXX Students and I am filing this compliant against Genesis Lending in connection to that filing and in connection to the CFPB Complaint Case No. XXXX. 

I attended XXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. During my tenure at the school, I was required to " apply '' for new loans each quarter semester and several times, the financial counselors informed me that I was not eligible, in full or in partial, for Federal Assistance and that I would be required to take out a Genesis Loan to cover the costs. In the CFPB Complaint Case, it is noted that XXXX, rather than reduce tuition to eliminate the shortfall " funding gap '', I was preyed upon to take out Genesis loans that XXXX XXXX had a financial interest in. 

In my application for Loan Forgiveness, a copy of which is being provided, I was not provided adequate career services or opportunities. The job that I obtained to complete my externship was unpaid and resulted me being hired as a XXXX XXXX, not a XXXX, for which the degree I obtained. The salary for this position was less than what I was earning at my prior office job before the economical crisis. The salary for this position was not sufficient to cover living costs and to pay my school loans. I was able to pay my Genesis Loan ( s ) in full post graduation but at times, I have not been able to pay my Federal Loans and have had to put my loans on forbearance. 

It is my position that XXXX XXXX deceived me and unfairly induced me, as student, to incur additional and significant debt in the thousands ( of dollars ), via obtaining loans from Genesis Lending, to graduate from a institute that could not prepare or provide me the adequate tools to obtain and secure a job that would support myself and my family, and to pay my student debt.
Consumer complaint received 2018-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto Finance has made it clear from the start that they favor borrowers that supply them with banking information so they can automatically deduct payments, charge fees, and wreak havoc on borrower 's personal finance generally undetected. I have shielded myself from such a lack of integrity by paying my bill, faithfully on time every month via debit card. I called today to do the same and was told that Capital One has now outsourced debit processing to their " third party '' affiliate that charges {$3.00} online and {$7.00} over the phone to process debit payments. Capital one has essentially created a punitive tax for consumers who won't allow them unrestricted access to their bank accounts which borrowers are under no obligation to provide them with. Can you please protect myself and other borrowers that pay by debit card from this retaliatory measure by Capital One? Make them remove their processing fees for their unnecessary expenditures.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NV)

Actions taken by Receivables Performance violate the federal Fair Credit Reporting Act and have had negative impacts on my credit worthiness. I cancelled service with XXXX in XX/XX/2017, sent equipment back, but still received bills in large amounts with invalid billing. Issue has since been resolved with XXXX, invalid billing was credited by XXXX and I paid valid charges, attachment, proof of XXXX balance. I contacted Collection Agency, Receivables Performance, who were informed initially that this was not valid, but attempted to collect debt from me anyway and damaged my credit rating by adding to my credit report. I advised them of error, dispute and resolution with XXXX and I requested corrective actions be taken, in the form of zeroing out this balance in their systems and removing this invalid debt from all 3 of my credit reports. Receivables Performance indicated that I still owe {$700.00} and refused to remove from my credit report, despite resolution actions taken by XXXX.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from Equifax, XXXX, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, XXXX, and Transunion. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports
Consumer complaint received 2018-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (SC)

I have two loans with Lending Club : 1. Account No. XXXX 2. Account No. XXXX I made a payment 29 days ( by Certified mail with return signature card ) after initial due date of XX/XX/2018 for Loan XXXX. I have a signed return card with stamped time before XXXX XXXX on XX/XX/2018. They recorded it as received on XX/XX/2018 and they applied the payment to XX/XX/2018 payment and they have recorded that no payment was received for XX/XX/2018 payment. They are reporting falsely and fraudulently to the credit bureau that I am between 31-120 days late on my payment. Their accounting reporting online is unclear for interest calculation and also late payment calculation. They do not mail official payments such as required by every other loan company with the detail information of payments. I am requesting that they provide paper statements as required by every other bank and that they apply the payment they received on XX/XX/2018 to the XX/XX/2018 payment the way it should be. I did not realize until later that this loan company was affiliated with XXXX XXXX whom has been involved in so many fraudulent schemes in many year or else I would have not accepted this loan from this type of affiliated bank.
Consumer complaint received 2018-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED MORTGAGE CORP (FL)

We had a hurricane in 2017 and our mortgage company agreed to defer Two months payments to the end of our loan. They are now requesting the two months mortgage! This was not the agreement! The two months was supposed to be added to the end of our loan! No supervisor will call me back
Consumer complaint received 2018-09-21
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: TRANSWORLD SYSTEMS INC (MD)

I had several medical bills go into collections XXXX and XXXX of 2018. TransWorld Systems , Inc. sent communications to me advising I had an outstanding balance owned to XXXX XXXX totally approximately {$2600.00}. Upon receipt of their communications, I immediately contacted them and made arrangements to pay the debt over a period of time. They accepted the terms of the arrangements, set the payments up to automatically debt from my checking account and I didnt receive any further communications from them accept to when payment were due. They sent me a note reminding me the payments would be drafted and to make sure the funds were available. After approximately 6 months of making payments they reported the debts to all three credit bureaus as unpaid debts. 
After some back and forth with the TransWorld and XXXX XXXX I learned TransWorld reported any unpaid debt after 90 days. At no time was I made aware that any portion of the unpaid balances would be reported to the credit bureaus. I was under the assumption that as long as I was paying on the accounts they would be considered current as TransWorld ceased all collections activity. It wasnt until after the accounts were reported to the credit bureaus that I was made aware of this important piece of information. I believe this is unfair collections practices. TransWorld should have clearly stated to me at time I made the payment arrangements that any unpaid balances would be reported after 90 days. I have since paid the full balance of the debts owed, {$2000.00}. I am currently disputing the accuracy of the collections matters reported to XXXX, XXXX and XXXX and have requested it be removed from my credit file.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (SC)

JH Portfolio is reporting a debt after I have submitted my identity theft report and formal statement/dispute. I have taken the steps to correct this matter but have had no success with this collection agency. This is a violation of the FDCPA and FCRA. Ive been very patient and is now past upset that they continue to cause me damages for something I did not do. I don't know who used my information but I want this matter corrected ASAP
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I am making payments but they don't like the amount I am paying. I am sending money ey every month either early or on time. They say it is not enough. I can't afford their plan and they don't like mine.
Consumer complaint received 2018-03-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

A letter was sent to Midwest Recovery Systems requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred. 
Copies of all documents and identification of the original creditor. 
Proof that the Statue of Limitations has not expired on the account. 
Proof that you are licensed to collect in my state. 
Your license number and Registered Agent Documentation. 
The letter also explained that this item does not belong to me as I never did a payday loan online or in person and the item should be removed. The item has been on my credit bureau since XX/XX/2017 and doesn't belong to me at all. I requested the item to be removed immediately as no documentation was sent to me confirming the debt.
Consumer complaint received 2018-03-19
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. (CA)

XXXX  XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (VT)

XXXX XXXX XXXX, XXXX Hours of Operation ( EST ) : XXXX to XXXX Mon-Fri., XXXX to XXXX Sat., XXXX to XXXX Sun. Company Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX Disputes : Call XXXX or write to : XXXX XXXX XXXX, XXXX, Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX Disputes E-Mail address : XXXX This company continues to harass, has contacted employers like XXXX XXXX XXXX in XXXX XXXX, VT costing me a job. While serving in the Vermont XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company held up my security clearance due to Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX. Merchant : XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX. Creditor to whom Debt is Owed : XXXX XXXX XXXX, XXXX Current Balance Due : {$900.00} by paying XXXX or XXXX pay by mail - checks n payment to : XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, VA XXXX Offering Single Payment *pay {$310.00} and save {$580.00} if payment received by XX/XX/2018, this harassment has cost me several {$25000.00} to {$170000.00} XXXX   XXXX, XXXX XXXX, XXXX XXXX, it caused the lost of a relationship and XXXX  children. I want the harassment to stop, reported this company to the Vermont Attorney Generals Offices throughout Vermont, was serving in the US Military when then pulled an illegal court date while I was out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This is a case of identity theft, they keep doing this around certain dates of birthdays with men with our names, many with my name have been contacted and told about this debt, this debt goes from {$1600.00} to {$900.00} to the offer of 1 time payment {$310.00} to pay it all off. I have paid more than that amount, have lost well over the amount this company, these scam artist attorneys or they claim that while sending out threats to employers, friend, men with similar names and I want this stopped immediately please. This debt is insecure credit card debt and in no way after what I have tried to clear this debt and have lost will it ever get paid.
Consumer complaint received 2018-03-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (DE)

None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/2006  and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.
Consumer complaint received 2018-03-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/2006 our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened betweenXX/XX/2006 and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save XXXX and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.
Consumer complaint received 2018-06-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Frontline Asset Strategies, LLC (CA)

Frontline Asset Strategies has contacted me multiple times, including XX/XX/XXXX and XX/XX/XXXX, regarding an alleged debt. I have requested three times in writing that Frontline provide the account number name and address of the creditor and verification that they repre4sent the alleged creditor and are authorized to communicate with me.

Frontline has refused to provide the requested information. In addition, the company 's website is fake.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (CO)

I received a collection notice from RMS collecting an outstanding debt for XXXX XXXX XX/XX/XXXX - received a collection bill stating I owed {$490.00} for an outstanding invoice from XXXX XXXX XX/XX/XXXX - received another statement for the same amount. I called RMS to inquiry " who is XXXX XXXX ''. The attendant googled XXXX XXXX and read me the description of the company that is on the internet. I requested a copy of the contract showing that we ordered this service. 

XX/XX/XXXX - Received a letter from RMS stating " the information I requested is attached '' ( which was just 4 invoices from XXXX XXXX ) no contract was attached. I called the company, XXXX XXXX themselves and they gave me a past employee name, XXXX ordered the service 5 years ago - Again I asked to see a copy of the contract. They were rude and very short with me. I stated I have never received an invoice nor paid an invoice in the past 5 years from them, they stated they were emailing them to XXXX. ( XXXX hasn't worked here for approx 5 years ). I do all the accounting here for the company - No invoice was ever paid to them - they state I owe for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX service. 

XX/XX/XXXX - Received a collection letter from RMS, stating the information I requested was attached ( again, just a copy of 4 invoices )
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

XX/XX/XXXX RE : XXXX XXXX XXXX SS # XXXX XXXX/CITIBANK Card To Whom it May Concern : In XX/XX/XXXX this account was reported as Late 30 days to the credit bureau. I have had a longstanding relationship with your institution for several years. 11 years ago Citi Bank afforded me the opportunity of my very first credit card. Since then, I have been able to continue to further my credit relationship with Citi and with other creditors. I can proudly say I have great credit. 
Account # XXXX was closed at my request months prior to the late pay being reported. I then went months without receiving statements and have had a very difficult time with logging into Citi Cards online platform. I recently requested that all of the statements from the last several months be mailed out to my home address. To this day, access to online banking has not been made possible. 
Considering the circumstances detailed above and the fact that I have been a longtime client with a great payment record and no other late pays of any kind on my credit file, I would like to respectfully ask for a goodwill deletion of the late pay off of my credit profile. This would allow me to restore my credit to the level at which it was prior to this late pay having reported. This seems fair considering the fact that statements never arrived, even after I requested to be taken off of online statements. 
Please feel free to reach out with any questions or concerns. Thank you! 


Best Regards, XXXX XXXX XXXX.