davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
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. (FL)

Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone.
1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed.
2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, XXXX , Equifax listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}.
" I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!
Consumer complaint received 2017-07-08
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. (FL)

I have reached out to TransUnion on XXXX XXXX,2017 & again on XX/XX/XXXX requesting that they remove the XXXX inquiries from XXXX. I have attached the letter from XXXX. When I ran my report today X/X/2017 XXXX  inquiries still appear. I kindly ask that they remove these promptly and send me a follow up letter as such.
Consumer complaint received 2016-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC (WA)

I ordered a internet connection to a company but then i suddenly changed my mind about it so i called and told them that i dont want it anymore. They said on the phone okay just mail is back the router and you dont have to pay anything because you 're in the 30 day money back guarantee policy. I mailed them back the router the next day then after two months i got an email that they say i owe them XXXX XXXX So i contacted costumer services talked it about them and they said just wait for the revised bill. I waited no email came for 8 months. I thought it was settled but then i got a mail from central credit that i owe something from them. So i called central credit, i disputed the claim but then its been months and they still didnt pulled back the claim that i owe that company and kept saying there waiting for there response because i gave them email proof that i talked to a costumer service and the representative stated there that i dont have to pay anything because im in the 30 days money back guarantee.
Consumer complaint received 2016-07-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (FL)

On Wednesday, XXXX XXXX we informed Dovenmuele Mortgage that we wished to pay off our mortgage, and was told by the representative we were talking to that we had to have a closing statement ordered before we could pay our loan off, which she told us she would order to be completed by Friday XXXX XXXX. When we called on XXXX XXXX though no closing statement had been prepared, and they could find no record of one having been ordered leaving us to attempt to our mortgage off online. But it would only allow us pay {$6600.00} toward the principal, and another {$760.00}, which we put in the other category, since it would not allow us to apply anymore toward the principal. As we had still not received a closing statement on Tuesday, XXXX XXXX, we called Dovenmuehle again at XXXX, and talked to a supervisor, who told us she would request that an expedited closing document to be prepared and faxed to us, that was supposed to only take from 2 to 4 hours, and that she would request that the additional {$760.00} that we paid on XXXX XXXX, which should have been applied toward the principal, but was n't, be applied toward our principal balance. On Wednesday afternoon, XXXX XXXX, a day after we were supposed to have received a closing statement, we finally received a closing statement from Dovenmuehle, although the payoff amount was incorrect, as they had still not applied the extra {$760.00} we paid toward our principal, as they were still holding it in a suspense account, and charging us interest on that amount. While talking to a supervisor later in the day on Wednesday XXXX XXXX she suggested that we wait until they apply the extra {$760.00} toward our principal, which she told us could take up to 5 days, and then request another closing statement to keep from confusing their accounting dept. Although we have called and talked to a supervisor every single day since XXXX XXXX, and even filed a complaint with the XXXX, they have still not applied the extra {$760.00} we paid on our loan toward our principal, and have still not provided us with an accurate closing statement. We simply wish for them to credit the {$760.00} we paid them toward our principal, provide us with an accurate closing statement so that we can pay our loan off, and take off any interest that they have charged us on the {$760.00} they have been holding in their suspense account.
Consumer complaint received 2017-06-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (GA)

I have had my car for over or almost 2 years and the original loan amount was {$19.00},  XXXX  I make monthly payment in the amount of {$480.00}. I just do n't understand how I still have {$16.00},  XXXX  remaining. As a  XXXX   XXXX   XXXX  and worker it is already a struggle to manage my payments in addition to th e 3 la te payments being reported which is also causing an additional hardship to my financial situation.
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

I went into the branch of Chase Bank and requested sheet of checks .. The Bank Teller asked which account I wanted to cks printed from and I provided that to her..Checks were printed ..I wrote the checks and when they came in they came into the wrong account which caused the account to be overdrawn. I recvd a {$35.00} Fee and I called customer service and was told I would have to go into the Branch and discuss.. .I explained it was a BANK ERROR and how they could not help me as they have in the past ... Bottom Line this was a BANK ERROR ... The funds were AVAILABLE but in the account in which I had requested the checks to be printed from!!!! I have been w. Chase for over 10 years!!! The fact I was given this kind of grief over {$35.00} is pricesless. I work at Esurance and deal with customers each and everyday ... clearly the difference between myself and Chase is I show EMPATHY to my customers! And I do n't act like the $ from my company is MINE and if there was an error I would be happy to handle ... I am a single mother so money is tight.. I work XXXX jobs and explained to not only XXXX in customer service who took the call but her ALLEGED supervisor XXXX from the Texas Branch I simply DONT have the time to go to branch to sit in a line to discuss a fee of {$35.00} ... Bottom line this is a BANK ERROR and I should not have been given ANY grief over such ... I am requesting someone look into there actions and please help as clearly if nothing is done I will be happy to take my business elsewhere which I know the bank does n't care since I am ONE person but I can assure Chase I will be happy to let anyone know I come in contact with how they handle their customers and LOYAL customers at that. 

thank you XXXX XXXX
Consumer complaint received 2016-05-19
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (VA)

I Took a loan {$1200.00} from Moneymax title loans and after my car got some problems that need to be fixed called them to let them know that the car need to be fixed so want to see if we can have settlement. they refused and told me that they will settled for {$1300.00}. That is not a settlement in anyway since the amount we are talking about is {$1200.00}. So when I realized that they have no intention of settling I told them okay you can take the car let me know when you want to and they refused to let me know. They just show and took the cars with my valueable in its. Now they are telling me to walk over XXXX miles distance to retrieve my valuable. I told them I do not have a car because you took the car in the first place. you should have told me what time you were coming so I could have take everything out of my car.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I currently have a complaint being addressed by your organization regarding Capital One. I recently learned that regardless of the XXXX phone calls I have initiated since XX/XX/XXXX with Capital One, they continue to perpetuate this process. A few days after I made my last call to Capital One, and after they failed to return my calls after XXXX separate requests which forced my hand to file my complaints with the state of XXXX and XXXX offices of the attorney general - Capital One sent yet another letter to the address in XXXX, which I requested and demanded they remove from my account two weeks and XXXX calls earlier and had informed them on XXXX previous calls that I currently had a credit card open with Capital One which had a present address in XXXX. This last letter indicated to the individual at the address in XXXX that attempted to open the account in my name, to please contact Capital One as the account was temporarily on hold and they needed to speak to the card holder prior to moving forward with activating the card. You can imagine my newly found frustration with this process, as I have been informed by at least XXXX different people and XXXX additional managers at Capital One that the card and the account have been deactivated, yet letters that have been sent to the address in XXXX dictate otherwise. 

I will be gaining access to all of the information and sending them your way ... 

Thank You,
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

PNC Mortgage.  XXXX .  XXXX   XXXX   XXXX   XXXX   They  lost my check/payment I mailed in.     I mailed it in and they cash ed one o f the checks on  XXXX / XXXX / 17 . They lost the other check.     They did not call me until today  XXXX / XXXX / 17 .     I have tripled checked and I confirm tha t two checks  were sent ( in same envelope like we have been doing  for 10+ years ) but it looks like they only cashed one.      They said I am late. And now I have to pay a {$170.00} late fee.     They said no way to check what happen!!!????     I would have to mail another check, or pay some other way..by phone etc ....     They have no idea where my check is, really???     Can they do that === lose my check and then charge me a late fee?     AND now ... ..this will show up on credit report as a LATE payment!!.     Please help me
Consumer complaint received 2017-07-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I had a lease on a XXXX Toyota Camry with Toyota financial. The lease was for 3 years and XXXX miles. I handed the car in with incidental wear and tear damage and they want me to pay for the incidentals. My issue is that I handed the car in with XXXX miles vs. the XXXX that was allowed. If I went over mileage it would be XXXX $ a mile, however I was XXXX miles under the lease agreement. The residual value works out to XXXX $ due to the under mileage and yet they want me to pay XXXX out of pocket for wear and tear damages.If I had went over mileage they would charge me per mile ; my complaint is why do I not get the same credit for being undermileage.
Consumer complaint received 2017-03-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (GA)

Was walking to my gate in XXXX XXXX when was approached by a sales rep for Delta Amex cards. He asked if I already had a card said yes ( Gold card ) and he proceeded to try to upgrade me to the Platinum card. I waffled because I told him I had literally just paid my annual fee on the Gold card and one of his selling points was that the fee for the first year for the Platinum card was going to be only {$95.00} and then {$190.00} annually after that. Just received my first bill and lo and behold not only was my card not upgraded it was an entirely new account and I was charged {$190.00} for my annual fee. I have called the company on XX/XX/XXXX and today XX/XX/XXXX. I filed a complaint with Amex on XX/XX/XXXX about the false advertising and for my troubles was told they would issue me a {$40.00} credit which would post to my account within 48 hours. I checked today and the {$40.00} has not posted and is not pending so I called Amex again, spent another hour on the phone just to be told they need to investigate the first complaint because they are not showing I was to receive {$40.00} credit. My complaint is obvious false and deceptive advertising on the part of Delta Amex. Not only was I immediately charged the {$190.00} when I was told it would be {$95.00}, I have not been credited back my pro-rated portion on my Gold card fee ( cancelled that card back in XX/XX/XXXX ) and was told I would not receive my Companion Ticket which is supposed to be issued upon invoice on the annual fee.
Consumer complaint received 2016-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CT)

Back in The XXXX 2016, I received a collection notice from Credit Collection Services for a debt of {$970.00} from XXXX XXXX and causality. I contacted Credit Collection Services to inquiry about the debt, I was advise from Credit collections services to send proof from DMV showing the date I sold the Vehicle that was covered by Nation wide insurance, I attached a copy of the plate cancellation receipt which was date XXXX XXXX, 2016, the cancellation notice on credit collection services for my policy with XXXX is XXXX XXXX, 2016. How can I be charge insurance with nationwide insurance for a vehicle that was sold 22 days prior. Credit collection services put this amount on my credit file with transunion on XXXX XXXX, 2016 and disregarded the attached document which was the plate receipt from CT state department of DMV. This is wrong.
Consumer complaint received 2017-07-08
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. (NY)

I am submitting this complaint about experian credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have it removed from my credit report.
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I am enrolled in forgiveness plan and have submitted my renewal application on time ( XXXX 2016 ). They have had me showing deliquent all along. I 've been calling since about XX/XX/XXXX to resolve the issue. Everytime I call Navient the reps see my renewal application was submitted on time & my payments have been committed to the agreement according to my plan but my application was never processed or applied. They say they will have someone process my application and that never happens. I have been dealing with this now for almost 7 months. I 'm on the phone for about 2 hours each time I call. It takes approximately 1 hour to get a representative in the United States and another hour with the American representative only for promises to be not be followed through on.
Consumer complaint received 2017-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

On X/XX/2017 Convergent Outsourcing Solutions included a derogatory debt on my credit report without proper debt validation which was requested on XXXX XXXX, 2017. I have no contract with Convergent to collect debt from me. They have called my job repeatedly at XXXX and have put me in jeopardy of losing my job even after I have asked for debt validation. Which is a signed contract and not a statement telling me how much I owe them. This company negative reporting is having a negative impact on my credit worthiness being that it is the only negative reporting on my report.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

For my report ID  XXXX , investigation ID  XXXX , Experian refuses to remove  XXXX   XXXX   XXXX  credit account that has a $  XXXX  balance and the  XXXX  account. I was a victim of identity theft and when I was overseas someone used my information to open up these accounts and used my address and information. I keep submitting and submitting complaints and nothing is done and it is n't fair. I am unable to buy a house and what is more alarming is the merchants even verified these accounts are fraudulent.   XXXX   and  XXXX  have already updated them and my scores are  XXXX  for both.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Finance System of Richmond, Inc. (AL)

On XXXX XXXX, 2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been XXXX response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I graduated from XXXX school on XXXX XXXX, 2017. In XX/XX/XXXX, I received a letter stating that my in-school deferment was ending sometime in XXXX and that the company would send me an additional letter with payment schedule ( which I never received by the way ). On XXXX XXXX, 2017, I tried calling Navient to place my account on a three-month forbearance. As I am studying for the XXXX XXXX XXXX which is being administered on XX/XX/XXXX and XX/XX/XXXX, I am unable to work full-time and earn income to repay my student loan until XX/XX/XXXX. All I asked is that my payments be postponed until XX/XX/XXXX. I spoke to two separate representatives from Navient advised me that it would cost me a " one-time '' fee {$50.00} to place my loan on forbearance. This fee would n't be applied to the principal of my loan, it appears that it would just be pocketed by the company. Mind you, my student loan payment is {$70.00} per month. If I do n't have an extra {$70.00} to make my XX/XX/XXXX payment, I do n't have an extra {$50.00} to pay a forbearance fee. The company refused to waive the fee and threatened to go after my co-signer if I do n't make my payments. Additionally, the customer service representative proceeded to ask for my checking account information, which I refused to give in fear that the company would make an unauthorized charge on my account. Essentially, the company is setting students up for failure who are trying to be proactive about obtaining a forbearance in advance of accumulating missed payments. This is an unfair business practice, as it appears that instead of working with borrowers who are struggling to repay their loans, Navient is capitalizing off of their financial hardship instead.