davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I have been denied on two separate occasions from opening a bank account because of information chexsystems has provided to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The chexsystems inaccurately depict me as a risk for fraudulent activities. I believe this is because the discriminatory practices of Chexsystem. I am a consumer in good standing and have never had any type of fraudulent activity in my life and have been in law enforcement for 29 years. Although I am trying to open certificate of deposit ladders at a number of banks and take advantage of higher interest rates this should not label me as a fraudulent risk to banks when they do a credit check on me. The discriminatory practices against chexsytems should be stopped immediately. They have effected me financially by withholding my ability to obtain higher interest rates at banks.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I applied for the Capital One Quick Silver card, it was being advertised by Capital one as a card with " no annual fee ''. However, I am charged an annual " Membership Fee '' once a year. When this fee was initially charged for the first time in XX/XX/XXXX, I was able to get this {$39.00} membership fee waived without a problem. The representatives I communicated with on that particular occasion was very helpful and apologetic for the inconvenience. Furthermore, on XX/XX/XXXX, I was charged another {$39.00} annual membership fee. I called in on XX/XX/XXXX to dispute this charge once again. However, this time around, the representatives I spoke to were not helpful and informed me that they will not be able to help out this time around by waiving the annual fee. I do not know why I am being charged an annual membership fee in the first place when the Quick Silver card was being advertised as a card with no annual fees.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted TransUnion several times over the last two months that an inquiry and address ( never lived in Colorado ) listed on my credit report XXXX is incorrect. I have faxed and mailed verification with my Drivers License and Social Security Card. The company ( XXXX XXXX XXXX ) listed an address I have never lived at and the number listed as a contact for them is disconnected. I have never done business with this company. TransUnion continues to tell me that I need to contact the Department of Education to have the inquiry removed even though I have stated the number listed is disconnected and they refuse to remove this incorrect information. 

I have also disputed the Tax Lien and that has not been removed.
Consumer complaint received 2017-11-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc. (NC)

Since XXXX XXXX XXXX 2016 I 've been receiving mail from some unknown thing called XXXX. It 's stating that I owe {$430.00}. I do n't know from where, who, why, and for what. It 's been a year and I 'm pretty sure if I owed money like that, XXXX or whatever it is would 've been took other action to get in some other form of contact with me!!! I 've only received mail. I do n't even know how it has my address. I ca n't have that on my credit and I 'm not paying for something I know nothing about that has been there for a year and has n't accumulated in amount!
Consumer complaint received 2017-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IL)

In XXXX of this year, XXXX I sent a dispute to XXXX, XXXX and XXXX questioning the balance, which I have found to be incorrect/inaccurate on a debt with Wells Fargo Dealer Service. The dispute result came back verified with NO change. I then asked XXXX, XXXX and XXXX to let me now how they verified that this information was in fact correct, they said that they contacted Wells Fargo Dealer Service to verify this information. I tried one more time in disputing the balance, in which is inaccurate. They again said it was verified. 
So, the next step on XXXX of XXXX, XXXX I sent a request certified mail asking to send me the deficiency balance ( 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY ), how they got to that balance ( accounting documents ) and a ledger representing my payment history, in which they did not comply. They sent me a " canned '' response template letter requesting my date of birth, 10 digit account number, social security number and a description of what i was requesting. The original letter dated XXXX XXXX, XXXX had this information in it. 
Due to the law, and Wells Fargo Dealer Service not complying with UCC 9-616, my attorney let me know to send another letter to them to recover under subsection ( b ) {$500.00} in each case from a person that : ( 5 ) fails to comply with Section 9-916 ( b ) ( 1 ) and whose failure is part of a pattern, or consistent with a practice, of noncompliance ; or ( 6 ) fails to comply with Section 9-616 ( b ) ( 2 ).
I have re-sent another letter today, certified mail, return receipt disputing this debt again to XXXX, XXXX and XXXX, as well as a direct creditor dispute in which I am sending Monday the XXXX.
Consumer complaint received 2017-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC (NV)

I was struggling to make the original payments on an installment loan taken out with XXXX. I called them on XXXX, XXXX XXXX to set up payment arrangements in order to retire my loan on XXXX XXXX, XXXX. They agreed to a payment plan and would allow me to pay {$50.00} once every 2 weeks for XXXX and XXXX of XXXX, and then {$100.00} once every two weeks in XXXX. Today they just charged my debit card 3 times the amount promised and authorized on my card. I did not autorize my debit card to be charged this amount. Now there is no written paper work to show proof of a payment arrangement, the only proof would be a recorded phone call, which is what they do for all of their phone calls.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my TransUnion & XXXX  Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, Tranunion, and XXXX that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}. 

The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING TRANSUNION & XXXX
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (IN)

IN 2009 MY XXXX, XXXX AND XXXX MORTGAGE ACCOUNT WAS TRANSFERRED TO OCWEN LOAN SERVICING, DUE TO FACT XXXX XXXX XXXX WENT DEFAUNCT XXXX XXXX, XXXX. AS A RESULT OCWEN LOAN XXXX IS TILL REPORTING AS A DUPLICATE MORTGAGE ACCOUNT ON XXXX XXXX XXXX  AND THIS IS THE LAST TIME I AM ASKING, BUT WILL SUE FOR VIOLATION OF THE FCRA, TILA AND FINALLY VIOLATING THE : DODD-FRANK ACT 2009.
Consumer complaint received 2017-11-17
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Navient Solutions, LLC. (IL)

Navient keeps adding balances and subtracting balances from my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified I was out of deferred. I respectively ask that the lates fromXXXX be removed and set to current. as soon as I contacted Navient my loans were put back in deferred. Also, I want all loans older then 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP,  as Navient is doing illegal collecting and reporting practices. thank you
Consumer complaint received 2017-11-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

I disputed this debt XXXX 2016 and it was taken off my XXXX  credit report and now they put it back on my credit report without sending me a letter stating I owed the debt giving me the opportunity to reply. This is not a loan it is a pell grant that does n't have to be paid back.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (NC)

The Student Loan Listed as : ACS/XXXX XXXX Date Open XX/XX/XXXX is  reporting 60 and 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX XXXX at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, XXXX, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
Consumer complaint received 2017-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (TX)

On XX/XX/17, I noticed that was debit card was compromised. I immediately called Comerica and cancelled my card. The next day ( Monday ) I went to the bank to file a dispute. I was then told that if the dispute was approved I would receive my funds back within 10 businesses days. I also asked what am I to do seeing that all my money was compromised. They apologized and told me that I would have to wait. In the meantime the fees are rising. {$1400.00} was taken out of my account via ATM. XXXX ( Comerica ) starred to me, are you sure you did not give someone else your card? I also spoke with another customer there and he stated it happened to him as well. I feel Comerica knows about the breach and still does nothing. 

I 've received a call from XXXX with card services informing me that if I had applied for Comerica 's credit card I would have money available to me. She told me that she could not help and suggested that I wait on the dispute to be settled in 10 business days.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

The Student Loan Listed as : XXXX XXXX Date Open XX/XX/XXXX is reporting 60 and 90  days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, Equifax, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
Consumer complaint received 2017-11-17
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. (NC)

The Student Loan Listed as : XXXX XXXX Date Open XXXX XXXX is reporting 60 and 90 days late in the months of XXXX and XXXX XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending Graduate School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, XXXX, and Transunion to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
Consumer complaint received 2017-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I received a trial modification agreement where the taxes and hazard insurance for escrow is incorrect. The correct amount for the annual hazard insurance, the monthly escrow is {$100.00} and the annual property tax, the monthly escrow is {$180.00}. I asked Penny Mac to correct the monthly escrow amount to reflect the correct amount which will lower my monthly mortgage payment. They want me to sign the modification documents on an agreement that is not correct and if I sign that is agreeing to an incorrect escrow payment. 


Hazard Insurance annual premium {$1200.00} divided by 12 equals {$100.00} XXXX XXXX XXXX County Trustee {$2200.00} divided by 12 equals {$180.00}
Consumer complaint received 2016-10-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I recently missed a lot of work over the past 4 months due to XXXX and other Medical issues. 
At the time I missed I had no PTO ( Paid Time Off ) and could not get FMLA approved. 
So I felt as if the only thing to do is take out XXXX payday loans with XXXX different Institutions. 
Due to the fact that I am in a Chapter XXXX, with only 7 Months to go things could go really bad for me. 
I could be evicted if my rent is not paid and at XXXX become homeless for I have no family or friends that can help me. 
The first was Advanvced Financial for {$1600.00}. 
They charge % 279.50 APR. My payments are XXXX per paycheck ( bi-weekly ). 
The second was with XXXX ( XXXX XXXX XXXX ) This place charges % 519.22 APR. There was also a finance charge of {$860.00}. 
The loan was for {$1200.00} the payoff is {$5000.00}. 
They will be taking {$250.00} out of every check ( bi-weekly ). 
With my current rent, utilities, gas, groceries, Insurance ext .... 
There is no way that I will be able to make the money to pay what they are asking. 
I have a meeting tomorrow XXXX/XXXX/2016 at XXXX with my Chapter XXXX Attorneys. 
If they can not help me I do not know what I will do. 
If there is any way that you can help I would greatly appreciate it. 

Thank You, XXXX XXXX
Consumer complaint received 2017-09-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TN)

On XX/XX/XXXX, Santander Consumer USA repossessed my vehicle. To my suprise when I called the next day, Santander told me I was XXXX behind on payments. I told them I was unaware of this, but they told me they could not reach out to me as my number was on the DNC list ( a rep placed my number on there mistakenly as the secondary number XXXX was no longer there ). Having said that, I was fine with this amd wanted to work out a payment plan ( I have paid XXXX to the vehicle ; the car was XXXX at retail. Santander has refused to do this. Initially they stated I owed a total of XXXX ; when I spoke to a rep on XX/XX/XXXX, I was told I could pay XXXX to pay the car off. I am not sure why they will not work with me ( they state the loan is charged off, but somehow they still have the loan ) and I am willing to work on the payment. I made a payment of XXXX on the XX/XX/XXXX ( my total amount monthly amount is XXXX paid XXXX less because XXXX had to go to getting TN tags albeit I was going to pay my XXXX that Friday ). I have 8 payments remaining. I have offered auto draft and a host of other options, but they have acted like predators requesting a lump sum. Furthermore, them reducing the amount let 's me know they can. I have also offered to pay more ( XXXX ) for the monthly amount. Can someone please assist as I would like the car back and for it not to go to auction? Also, tis company is still addin late fees and deliquency although the loan is charged off.
Consumer complaint received 2017-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My name is XXXX XXXX. My wife is XXXX XXXX. We have a HELOC with Bank of America. They raised the amount to be paid on the loan by {$1000.00} a month to {$2400.00} a month. We 're trying to sell the home now. We submitted a qualified written request to Bank of America asking for load documents and appraisal documents on XX/XX/XXXX. We also breached the idea of a short sale, having them modify the amount due. 
They have not responded as of this day XX/XX/XXXX. Our understanding is that they have 60 days to reply. 

We have the house on the market but there is no way we 're going to be able to cover the amount of the HELOC and the first mortgage with the price it will sell at. Also we believe that Bank of America did not do a proper appraisal when they gave us the HELOC.
The HELOC amount is approximately {$160000.00}. The 1st mortgage is with XXXX and it is for {$140000.00}. My wife and I believe the house will sell quickly for between {$280000.00} and {$300000.00}
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I received a bill from Wakefield & Associates in XXXX 2016. I immediately wrote back that I disputed the amount, explained that I had also disputed the amount with the original creditor, enclosed a check ( which they cashed ) for the amount that I did not dispute, told them not to contact me by phone, and provided my current address for future communications. I heard no more from them until yesterday, when I got home from work and found a message on my answering machine ( which is a shared phone with my adult son and my boyfriend ) stating that the call was from Wakefield & Associates and that they were debt collectors. I called the number they left ( from my cell phone ), verified the number that they had called, and the man said, " Is this [ your name ]? '' I replied that it was and asked why they called. He stated that they needed further information to verify that they " had the right account, '' at which point I told him that they had all of the info that they needed, that he had verified that they have the " right account '' by asking if my name is [ my name ] when I gave him the number that they had called, and told him to mail me any communications. I also informed him that they had violated the FDCPA, and he said " No, we did n't. '' Well, yes they did, as I had informed them in writing that they were not to call me regarding this disputed debt. Not only did they call after I asked them not to, but they left a message on a shared answering machine. In addition, at no time after I paid the amount that I did owe, did they send me an updated bill or amount due. I received absolutely no communication from them since I wrote to them in XXXX and they cashed my check in XXXX. This is a clear violation of my rights under the FDCPA and I intend to pursue my legal options.
Consumer complaint received 2017-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

My 12 months promotional monitoring service with Equifax expired on XX/XX/XXXX and I did not receive an email notification informing me of the change and new charges. When I signed up for the promotional service, I requested to be notified before switching to the regular service ; being doubled charged. When my credit card displayed the charge of {$16.00}, I immediately called Equifax and informed them that I did not authorize the charge and did not receive a notification of the change. The first Representative told me they no longer send out email communication. I then requested a Supervisor who informed that the email was sent on XX/XX/XXXX. I told him I checked both SPAM and my emails, the notification did not come into my box. I even offered to send him details ; a search query showing all my received emails from Equifax in my inbox and SPAM. Although, I am currently disputing the unauthorized charge with my credit card company, I would also like to file an official complaint against Equifax for their lack of customer service - submitting an unauthorized charge and unwillingness to correct the problem by reversing the {$16.00} fee. I was told by the Supervisor ( XXXX # XXXX ), I could speak with the email department and file a complaint, but he could not reverse the fee. The charge is a monthly service fee for service I will not be using. Although, I closed the account on XX/XX/XXXX and have no interest in continuing the monitoring service, they are forced to keep it open until next month to justify not refunding the monthly fee - account shows it expires on XX/XX/XXXX.