davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EdFinancial Services (MN)

I graduated in XX/XX/XXXX from graduate school and have my student loans serviced by Edfinancial. On XX/XX/XXXX, I received an email from Edfinancial that my account was " 11 or more days past due ''. However, I had not received a statement and had no information on my account as to when the original due date actually was. I paid the amount due on XX/XX/XXXX, and a day later on XX/XX/XXXX received an email on that my account was " 45 or more days past due ''. I called the company that week and stated that I never received a statement prior to any deadline and could not find a deadline anywhere on the website, but regardless paid the amount they said was due. The Edfinancial representative then told me that these messages were sent to me in error, and that I did not have any amount due, nor any amount past due, despite receiving these two official emails. They also stated they submitted a request to ensure that I receive monthly statements. However, on XX/XX/XXXX, I then received three emails stating that my " in-school deferment request has been approved ''. Again, I graduated in XX/XX/XXXX. I am not currently in school. My status is still as " graduated repayment '' but my first due date is n't until XX/XX/XXXX. I have not asked for anything special here ; simply for the company that holds my student loans to be accurate and forthcoming with when and how much I owe along with my repayment/deferment status.
Consumer complaint received 2023-08-02
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)

Greetings! On XX/XX/XXXX, I submitted a letter requesting the removal of certain unknown information. And last month I found that the inquiries on my TransUnion Credit Report were removed. Today though along with my XXXX Credit Report, I found inquiries reporting in my credit file, which urgently needed of elimination or blocking of such information within XXXX business days. Here are the inquiries the NEEDED REMOVAL : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On XX/XX/XXXX I 've purchased XXXX Nissan Altima at XXXX XXXX XXXX in XXXX, NY. We agreed on cash price of {$12000.00} and after my down payment of {$2400.00} I financed remaining balance via Nissan Motor Acceptance Corporation bank for 72 months. At the time of purchase I did not notice that car dealer added Extended warranty/service charge in the amount of {$2100.00} as well as Maintenance fee in the amount of {$890.00}. Later on I have reviewed Nissan retail installment contract, because I was planning to refinance this loan, since I had better interest rate offered to me through XXXX XXXX XXXX XXXX, and noticed above mentioned charges. I 've called a dealer and was told that I can cancel it and get refund check, but I 'll have to come in with vehicle ( 1 hour drive ) to sign Odometer and Damage disclosure Statement as well as Dealer Cancellation request form which I did on XX/XX/XXXX. After that I have placed numerous phone calls to Nissan bank and the XXXX XXXX and inquired about my refund check. I did not get any phone call back from the dealer at all. Bank 's customer service acted like they trying to help me, and started Special Investigation on this issue, but they could not proceed, because dealership did not return their phone calls too. Until today I have not received refund on services, I never requested. I have refinanced this loan with XXXX XXXX for much better interest rate since, and until today I still wait for refund check or explanation phone call from XXXX XXXX, Finance Manager from XXXX XXXX in XXXX, NY, on where my refund is.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CA)

I booked a ticket for XXXX XXXX. XXXX changed my times, which rendered the flight unusable, so I booked a new flight at an earlier time with a different airline ( XXXX ). All of these were with the American Express Platinum card. I was n't able to gain any headway with XXXX about this change to the flight schedule, so I contacted Amex. They issued a charge back to my account crediting me. I just found out that Amex reversed the charge back on me.
Consumer complaint received 2017-08-05
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA (CA)

On  XXXX - XXXX -2017 I asked Hyundai Via their website portal to stop communicating by phone as their calls were so frequent as they became harassing and annoying.
On  XXXX - XXXX -2017 a payment for {$450.00} was mailed out via EXPRESS mail with Saturday delivery before noon to their overnight mailing address.
On  XXXX - XXXX -2017 Hyundai called again, but this time was early in the morning on Saturday morning.
This is a violation of the fair debt collections practices act.
PLEASE CONSIDER THIS MY NOTICE OF INTENT TO FILE A SMALL CLAIMS LAWSUIT.
Consumer complaint received 2017-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX   XXXX   and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX  , have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for   XXXX   XXXX   provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX    maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement,  XXXX  and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Jonathan C. Frank & Associates, LLC (UT)

Jonathan C. Frank & Associates identifies themselves as a law firm when they are just a debt collection company attempting to collect a past debt that was written off by the bank not only that they have called other members of my family stating they are a law firm with a case against me FRAUD this is a debt collection agency
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (WI)

Wells fargo account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not given to me by the merchant. Wells fargo " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if I have never received them why I need to pay for them??? XXXX XXXX
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

I bank will wells fargo. I only had a {$1.00} in my checking account. The company allowed a payment of XXXX from XXXX to come in. I ask wells fargo before to not allow debits to come in if the money is not available and the wells fargo did it again. I have {$35.00} NSF fee, because of it. I called and spoke with XXXX XXXX who did not want to help with this situation.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed several errors and duplicates on my report, TransUnion has failed to provide me a response to my disputes. They have accounts on my report from dates that are not valid or I was not living in the state of Arizona at the time so they do not belong to me. They have duplicates, they fail to investigate correctly. They only allow one dispute at a time on-line, I sent them a letter and still no resolve.
Consumer complaint received 2017-08-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (PA)

Currently as noted online, I owe Wells Fargo {$390.00}. I had a deferment on my account and requested this as I was finishing my semester. I had asked for this and still had problems and some of the accounts were not deferred initially but eventually everything was sorted out. After graduation in XX/XX/XXXX, Wells Fargo cancelled the deferment I suppose because I graduated but I have not made a payment and began searching for a job. I have recently started at work but do not get paid until the end of the week. I plan to make a payment to rectify the debts I owe as an honest person. However, Wells Fargo has consistently called and harassed me many many times. For example, they have already called me today twice at XXXX and XXXX EST. Yesterday they called me 4 times at XXXX, XXXX, XXXX, and XXXX EST. This is only a summary of the recent calls from this exact number. This has been going on for at least 2 weeks or more with other numbers as well. I believe it to be harassment at this point. I have sent a message explaining my frustration today and was unable to contact them by phone. In the past, this has happened multiple times and I have received Robo calls, text messages, and human calls repeatedly. Sometimes, after I had already spoken with them and had payments or deferment processing. They call regardless.
Consumer complaint received 2017-08-05
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: Experian Information Solutions Inc. (IL)

Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by XXXX, Transunion and XXXX. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.
Consumer complaint received 2017-08-05
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. (FL)

All debts reported by Experian and all reporting agencies are non-existent. I am a Social Security benefit recipient since 2004 and I receive free medical care through XXXX prior to 2004. Any charges greater than XXXX approves are not valid. The decision to pay is made jointly by XXXX & myself, the patient in this case. There is no argument that any medical or related services or products unpaid by XXXX are unauthorized and not valid. The patient ( myself ) did not agree to these products or services at any time. In a Court ordered evaluation the final determination as to payment is made by a consult of patient and Judicial, and then answered by XXXX. Malpractice in medicine is a crime against humanity. Judgments made by emergency room physician ( s ) can never be considered sound. When there is agreement as to unnecessary use of medical products and services, we do not reimburse the physician due to grave hardships which include death ( s ) of the patient. .All medical emergency cases are equal in nature. Regarding medical practices other than emergencies, persons have the right to pursue happiness, but they must be CONSENTING ADULTS. I AM NOT A CONSENTING ADULT IN ANY PRACTICES OTHER THAN EMERGENCY LIFE, IN WHICH CASE I AM PROVIDED FOR BY MY FAMILY OF DOCTORS AND THEIR PRODUCTS ONLY. IT IS NOT POSSIBLE TO APPROVE ANY PAID EMERGENCY TREATMENTS OTHER THAN THOSE ENFORCED BY THE CIRCUIT COURT SYSTEMS FOR EVALUATIONS ON CRIMINAL TRIAL MATTERS. TRIAL EVALUATIONS DO NOT REQUIRE TREATMENT, I.E. THEY ARE A BRIEF INTERVIEW ABOUT COMPETANCY AND ARE SERVED IN THE PRIVATE OFFICES OF AUTHORISED CONSULTS.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was not able to update my dispute information and upload files this evening. Person I spoke to this evening around XXXX at TU barely spoke XXXX. I dont think the credit bureaus should put your dispute on lockdown after you submit it.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc. (TN)

In XXXX, we had XXXX XXXX that we canceled. We knew we would have to pay an early termination fee. We sent the equipment that was requested back to them. Our final bill, they charged us for the equipment that they did not receive back within 30 days. We sent it back and it was received. We told them that we were not going to pay for equipment that we did not and that they admitted they had. We are trying to buy a home and the amount of {$1300.00} showed up due to them selling the collection in XXXX XXXX.
Consumer complaint received 2017-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OH)

I took out a loan of {$600.00} from big picture loans via telephone on XX/XX/XXXX. I agreed to the fee of {$170.00}, as I was told this was a one time payment for accepting the loan. After I received the loan deposited into my bank account, I started receiving emails saying that I had to pay {$170.00} every two weeks! I was NEVER told of the interest rate of 683.3776 % or having to pay over {$350.00} a month for the next 6 and a half months. I called them and tried to work this out but to no avail. They say they will debit the payment of {$170.00} every payday through the end of XX/XX/XXXX.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have a charged off account ( XXXX ) that is scheduled to come off my report on XX/XX/2017 according to Experian. I have credit reports records for the last five years and they all say THis Account is scheduled to continue on record until XX/XX/2017. I asked for the account to be removed the beginning of XX/XX/XXXX via dispute but when I got the results Experian states that it will be removed on XX/XX/2017.
Consumer complaint received 2017-03-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

It was discovered I was a victim of predatory lending and given a predatory loan on XX/XX/2007. To date almost 9 years later this has NOT been resolved. In the process it was discovered the mishandling of a loan closing, processing of payments and loan modification process by a Financial Banking Institution .A Financial Institution who is held by Federal and State Laws. Please see attached document for detailed timeline to tell you the what has happened to me since XX/XX/2007
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

i am excemted on paying property taxes in my county. due to the terms of my mortgage my mortgage payments were going to jump from XXXX a month to over 3000.00 a month. i am on a fixed income. i can not afford that amount. i applied for a loan modification which was granted shortly after my application was submitted with all necessary documents such as verification of income proof of residency and verification/confirmation that i do not in fact pay for property taxes. my hoemowner insurance is XXXX a year which should come to be XXXX dlls a month. when given the terms of the modification i was given a breakdown of the payment which is as follows. trial modification amount of XXXX principal & interest of XXXX escrow ( taxes and insurance ) XXXX i should only be paying XXXX a month for my escrow. when i called the lender to discuss the matterthey resuse to correct the problem and adjust the escrow to what it should be. i sent them the documents confirming i do not pay for property taxes numerous times and they never seem to have the document in file. i need authority to help me have the lender re analize the documents and pressure them to adjust my mortgage payment. they are wanting and trying to steal from me. thank you
Consumer complaint received 2017-08-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (CO)

We purchased our home in XX/XX/XXXX. 3 months later a representative of Regions Mortgage came to our house ( unsolicited ) and offered us a 15 year, {$35000.00} 2nd mortgage. We accepted and made our payments via EFT. NOT ONE TIME did this lady explain to us that it was a balloon loan. We made our payments month after month, year after year, until last XX/XX/XXXX when we refinance our firstmortgage. The loan officer asked us if we wanted to include our 2nd mortgage to which I responded "  No, we have almost paid that loan in full. '' Then when we checked our balance we discovered that we sill had about {$33000.00} to pay. I called regions Bank and asked them about the balance and that was when we found out that it was a balloon loan. Is there anything at all we can do about it now? My husband and I are not stupid people but when I found out that we had been paying all these years and were almost at the end of the 15 years I almost literally had a XXXX XXXX.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (LA)

During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. Vanderbilt company representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted Vanderbilt Mortgage and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through Vanderbilt Mortgage ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX Male they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I have a credit card through Capitol One. I have had it since somewhere between XX/XX/XXXX and XX/XX/XXXX. Recently I noticed that the interest rate of 6.99 changed to 7.24 in early XX/XX/XXXX and then changed again this past month to 7.49. I am told it will change again. Then I noticed on the statements that the entire " balance [ is ] subject to [ this new ] interest rate ''. My balance on this card is currently at around {$19000.00}. I contacted them and they said that because it is a variable rate card ( how can it be variable if it remains 6.99 percent for nearly a decade? ) if the prime changes, they, the issue can change the interest rate on the existing balance. However, according to the CARD act of XX/XX/XXXX, " Issuer can not increase the annual percentage rate on your existing credit card balance '' ( source : credit.com ) ''. This should apply to my card since it has not varied in a decade. But let us suppose this card is variable rated, XXXX goes on to say in regard to variable rate cards " A credit card ( issuer ) may raise the rate on your outstanding balance if it has been temporarily lowered during a " workout '' or temporary hardship arrangement you either completed or left. '' Neither does a " workout '' or " temporary hardship arrangement '' apply to me as neither have ever been requested by me or given me. Therefore, this does not apply to the existing balance on my card ( that portion, well over XXXX dollars which existed before the 6.99 was elevated higher. I ask you to assist me, if it is possible, to have Capitol One rectify this situation for me and for others like me to whom this applies. For background sake ; my wife and I are excellent credit risks ; both in the high XXXX, and have never missed a payment on anything in our life. I had always been operating under the impression that the interest rate under which a purchase was made, would be the the interest rate which would always apply to the existing balance of previous purchases. Thank you.