davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I obtained homeowner 's insurance from XXXX XXXX XXXX. Attached to the policy was a notice that I did not receive the lowest premium possible due to information listed on my credit report. XXXX of the XXXX items listed as factors in my not receiving the lowest premium were incorrect. It included a phone # to call XXXX for information. I called the #. Instead of answering my questions, the XXXX employee read a long-winded script to me XXXX times with every item they use to determine insurance premiums, except, of course, for the credit report premiums increases. Finally, I demanded to know who to contact to get the information about how much my premium increased due to the credit report. She went away and came back with TransUnion as a response. I filed a complaint with TransUnion. Instead of addressing my issues, TransUnion came back with a nonsensical response. If they were agreeing that there were errors on my credit report, they made no offer to correct the secret Insurance Score Report and inform XXXX that I was charged an excessive insurance premium and am due a refund. Bottom line, TransUnion is providing XXXX ( and likely other insurance companies ) with an XXXX Score Report. They refuse to provide this report to consumers and refuse to answer questions about how much insurance premiums are increased based on the report. The report could be totally wrong ( even be for the wrong person ), but there 's no way to dispute it because they keep it secret. FCRA does not specially address Insurance Score Reports, but some safeguard must be in place to prevent TransUnion and XXXX from jacking up insurance premiums based on incorrect information contained in a secret credit report. Of course, they benefit from monetary gains by not doing so.
Consumer complaint received 2015-10-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SLM CORPORATION (TX)

I made an ACH deposit to my account at SallieMae Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX UT XXXX on XXXX XXXX 2015. 
The bank put a two week hold on this deposit, which is in violation ofeven its own rules, which state that such holds are for check deposits, not for ACH transfers.
Consumer complaint received 2016-02-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

Frederick J Hanna and Associates has filed a lawsuit in conjunction with XXXX XXXX to collect on a debt that they are unable to substantiate. They are attempting to collect almost double the amount that the original creditor specified. Furthermore, they have not submitted any business records related to this account. They are relying on third party affidavits and a general bill of sale with no identifying information. These are tactics that the Hanna firm was recently cited for by the CFPB. It seems to be business as usual.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (VA)

The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to my credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX, XXXX, XXXX and XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Seterus continues to mail letters stating I am responsible for a debt discharged in Bankruptcy Court 3 years ago. I filed a complaint in XXXX XXXX and the company agreed not to contact me however they continue to do so. 
Further Seterus admits in the enclosed documents that they are sharing my private financial information with their affiliates. They also sent me paperwork via XXXX overnight stating that I need to fill out mortgage loan modification forms. 
I have documentation going back to XXXX from Seterus trying to reaffirm this loan, which is in violation of the Federal Bankruptcy Court ruling in my case.
Consumer complaint received 2015-03-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (MD)

In XX/XX/XXXX my client, the buyer, had entered into a real estate contract, with a seller, that was a short sale transaction with Nationstar mortgage. The deadline to complete the transaction was XX/XX/XXXX. We were not able to reach the deadline but, the agent, that represented the seller, later informed me that the short sale negotiator was extending the date in order to complete the transaction. This resulted in the need of a new payoff because we were now entering a new month by XXXX. So we set a settlement date to close on XX/XX/XXXX. But, on Friday, XX/XX/XXXX, all parties were notified that the seller 's house a been sold to an investor on the auction block. This left my buyer XXXX with no explanation. The seller 's agent talked to the trustee for Nationstar to see if they would rescind the offer with the investor, but they refused. Prior to this foreclosure sale, no parties were notified. ( Seller, HOA, Title company or Seller 's agent ). My client and I are seeking assistance to receive a clear explanation on how something of this nature could occur. Please help. Thank you
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a dispute with Bank of America on how to calculate the variable interest rate for XXXX XXXX XXXX ( XXXX ) charged to a Credit Card Account ending in # XXXX. 
We both agree the contractual rate for any XXXX on the Account is calculated using the " index '', the U.S. Prime rate as published in the XXXX XXXX XXXX with a margin of XXXX. 
We disagree on whether interest rate charged to the Account increases or decreases as the XXXX XXXX XXXX fluctuates. Bof A contends the rate is fixed at the time of the transaction - the XXXX XXXX XXXX. I contend, per the contract at page XXXX of XXXX, " How to Calculate Variable Rates '', quoting the contract verbatim - emphasis added in brackets : " An increase or decrease in the index will cause a corresponding increase or decrease [ note the disjunctive ] in your variable rates [ plural ] on the first day of your billing cycle .... " The Credit Card Agreement goes on to explain, again, quoting the contract verbatim : " An increase in the index means you will pay [ mandatory ] higher interest charges and will have a higher Total Minimum Payment Due. '' Simply put, the interest charges may go higher. BofA asserts the interest charged can only go higher but NEVER lower. The U.S. Prime has indisputably gone down, but Bank of America will not re-calculate interest rate charges to reflect " the decrease in your [ consumer 's ] variable rate ''. 
I believe our dispute centers on how to read a credit card agreement written by the Bank. 
I believe the contract must read as a whole construed according to applicable law. If the APR for a XXXX can go up, it certainly can go down. This means the consumer should be paying LOWER interest charges when the XXXX Prime Rate goes DOWN per the express terms of the Credit Card Agreement. 
Even if Bank of America is correct and the APR for the XXXX will remain permanently at XXXX - the rate is unconscionable - it amounts to a penalty rate not reflecting market conditions when the XXXX Prime goes down, but only accepting the variable rate when the U.S. Prime Rate goes up - penalizing the diligent consumer who has not defaulted. 
I seek a recalculation of the APR for any XXXX when the published U.S. Prime Rate went down and the balance on the Account corrected. 
Respectfully Submitted.
Consumer complaint received 2015-07-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allgate Financial, LLC (GA)

Hilco Receivables has filed a judgment under my name for money and debt due on XXXX/XXXX/2007 ( see attached case # and record of judgment ). I was not aware of this judgment nor was I served like it states in this document. Hilco Receivables is a collection company that has not been able to verify the source of the original debt. I believe that they also DBA as XXXX XXXX XXXX , XXXX. They have continued to simply ignore my request for sourcing the original debtor which according to this order was in 2007 way past the statue of limitations for any debt and can not verify original balance or source. The judgment is showing on my credit report and on record with the XXXX District Court. I also tried to attempt to verify the source debt thru the credit reporting agencies with to no avail or resolution.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CA)

On XXXX XXXX, XX/XX/2015, I was billed my annual membership fee of {$75.00} for my XXXX XXXX Visa Signature credit card issued by US Bank. I paid the fee due to the card 's offered benefits, including the Bonus Award night on award night redemptions of XXXX nights or more in the XXXX XXXX Rewards program. On XXXX XXXX, XX/XX/2015 the statement contained language indicating that this Bonus Award Night benefit would end on XXXX XXXXXX/XX/2015. Since I already paid the membership fee, I should be given this benefit until the end of the card membership year. US Bank has refused to refund the annual fee.
Consumer complaint received 2015-10-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

I have asked this company on several occasions to provide any and all documentation of the debt that they think I owe and they have not done so. They simply say i owe the debt they need to provide a chain of documents linking me to the debt and verify that it is indeed a valid debt.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am asking for your help to correct the inaccurate details reported on my credit report. This issue has severely damaged my reputation, and I need your intervention. Your mishandling of the report has left me in a precarious situation, and the misleading information has hurt my reputation. I urge you to remove these errors so I can rebuild my life with my family.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2015-03-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (AZ)

Dear XXXX On the morning of XXXX XXXX, 2015 I got in my e-mail box an alert from my bank JP Morgan Chase that my account was overdrawn by {$41.00}. I was waiting for a transfer from a retirement account to my other bank account at XXXX XXXX XXXX. This transfer was available to me only at about XXXX or XXXX in the afternoon as on my XXXX minutes break from work, I rushed to check again. I had gone during lunchtime to a XXXX XXXX XXXX branch to check if that transfer was available. It was not. Therefore, I was unable to rush, at about XXXX or XXXX on a short break to go make a deposit to JP Morgan Chase. It against work policies to leave the immediate locations of work place. Off of that first job, I went to my newly found second job and did not get off until XXXX. On my way bank, I stopped at the branch of JP Morgan where I bank to make a deposit of {$260.00}. But before doing this, I asked the ATM machine for a statement which read : " Available balance - {$41.00} ''. I then made the deposit and mentioned above and got also a receipt for it. To my biggest surprise, I received, yesterday, on XXXX XXXX, an alert from Chase which was confusing to me, stating that " There was insufficient funds to complete the deposit ''. Alarmed by this message, I went online to check the status of my account and was dumbfounded to XXXX that Chase charged me a {$34.00} fees for those {$41.00}. I found this abusive and this is not the first time I had this sentiment about the fees Chase charged me for overdraft. I readily accept some of the fees, some I contest but this latest is XXXX of the most unfair, outrageous that Chase charged me and that I would like to review and ask Chase for its reason for doing so as it also charged me fees, still, whereas, I transferred money from a saving account fees that I have with the same bank to a checking account. 
I would like a review of all the fees Chase has been charging me since I bank with it and a refund for those fees that have been charged abusively and any other action your agency deems appropriate. 
I thank you for your time and attention. 

XXXX XXXX XXXX
Consumer complaint received 2015-03-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (VA)

I financed a vehicle loan with Drivetime back in XXXX. I have been paying on the loan and the maturity date is XXXX XXXX. I checked my credit XXXX XXXX and noticed that the loan had been removed from my credit report. I have called Drivetime numerous time to correct the error to no avail. I feel this is a UDAAP violation because I was lead to believe the loan would be reported on my credit it has n't been reporting.
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has not responded to me in regards to my current situation. I have sent Bank of America a contract ( see attachment ) to sell my property as I want to avoid foreclosure. The title company has faxed the contract over to Bank of America and also has not received a response. Please help.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Credit Management Corporation (CA)

I have a loan modification loan for the past 2 or 3 years and i was told that it has taken care of the second on the loan also. i have not seen any negative statements on my credit file concerning this matter. Now i have been sent a letter o notice of default and intent to accelerate against me on my home. it says total payments due for 87 months XX/XX/2008. the principle is XXXX and interest is XXXXlate charges XXXX. I have no idea about any of this claim. all i know is that i had a loan modification and only XXXX bill to pay because it was taken care of by the loan modification.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any XXXX entries from my XXXX XXXX, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I went to obtain a XXXX day extension of my initial fraud alert today. Both XXXX and XXXX whatever made it impossible ( no actual persons to speak to ) to choose that option, as it was never presented. Time is of the essence, and there is no way to speak to any person at any of these XXXX in order to timely make that request.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (AL)

I am not liable for this debt of {$730.00} & {$740.00} & {$830.00} with MIDLAND CREDIT MANAGEMENT .This company is reporting fraudulent inaccurate information on my credit report with different balances for each one I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

I am an executive at XXXX and thankfully I 'm gainfully employed with an income exceeding $ 250k. My credit report was tranhshed due to late payments incurred for the months of XX/XX/2014-XX/XX/2014 on my Chase SouthWest credit card. The payments were missed due were missed by my due to an error that related to scheduled auto payments that I believed were setup with my bank. 
I also ended up travelling out of the country during this time, and was unaware of the issue of the missed payment. Ironically, Chase called me only once, at that time I was checking out through customs and being hurried and was not able to comprehend what the phone rep may have been saying. When I finally arrived back, I realized the delinquency on the chase account, after which I promptly made the account current. 

I had spoken to Chase 's customer service who had asked that I provide them with my bank statements from the time to prove I had sufficient funds to make the payment. I sent Chase statements from XXXX of my banks which showed my checking account balances were consistently over {$30000.00} during the period of the late payments. 

Much to my surprise Chase refused to remove the late payment, in spite of me providing them with the information they had requested.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

I am reaching out to file a complaint against XXXX, XXXX and XXXX for reporting a bankruptcy on my credit report. As a consumer under 15USC1681 ( b ) the law reads : ( a ) IN GENERAL Subject to subsection ( C ) any reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

With this being said, I never gave XXXX, XXXX, XXXX or LexisNexis any written instruction or consent to report anything on my credit report. Furthermore, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Furthermore, I have received a letter from the Bankruptcy court stating that they do not report to the credit bureaus. Therefore, if the Bankruptcy court does not report to the credit reporting how are yall reporting? I am aware that these credit bureaus get their information from LexisNexis, which is also violating my rights to privacy because I never gave LexisNexis consent to share my information. 

Please remove, block, and delete the following account and review the attached documentation. Once removed from the LexisNexis system, you shall notify ALL persons furnishing this information. Failure to do so will result in an immediate litigation process. 


U.S. BANKRUPTCY COURT- XXXX XXXX Bankruptcy XXXX