davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (AZ)

I have continually made overpayments towards my vehicle loan in an effort to reduce the principle amount and, in turn, reduce the amount of interest being paid towards my loan. I contacted FIFSG ( First Investors Financial ) when I noticed all of my overpayments were being split between principle and interest. I contacted FIFSG the first time via telephone and was advised this would be corrected. When my payment was made in XXXX 2015, I reviewed my account and noticed the first request and resolution had not been honored and my overpayment again was split between principle and interest. I sent an email and received a response to allow XXXX hours for my request to be processed and the change to occur. After making my XXXX 2015 payment, I again noticed no action had been taken to correct the payment allocation on the overpayments and my XXXX payment had, again, followed the same pattern. When I contacted FIFSG on XXXX/XXXX/2015, I spoke with a gentleman who identified himself as XXXX XXXX, a Team Lead. I explained my reason for calling, how I contacted the company twice before and no changes had been made. XXXX XXXX then tried to tell me how my interest was being calculated on a per diem basis and why the amount of the per diem interest was being calculated and I have a simple interest loan. I explained to XXXX XXXX my request was to have the overpayments applied to the principle and the interest remediated, I was advised both verbally and in writing this would be done and my account still shows no changes. XXXX XXXX continued to explain to me how interest worked and I advised I was well aware of how Finance worked considering this is my career field. I then advised I was going to file with the CFPB if this did not get changed. XXXX XXXX continued to argue with me and I ended the phone call with the statement of filing with the CFPB to step in and help.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I do not know why this company is calling me. The company name is Portfolio Recovery and their number is XXXX. They call me every day, evenings and on weekends. I do not answer the call because they never leave a message. I looked them up and they are a debt collection agency. I have excellent credit and do not owe anyone a payment that is delinquent.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NY)

US Bank the issuer of the XXXX XXXX XXXX XXXX XXXX and Small Business credit cards charges an annual fee for each on of their cards. I have both of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid both annual fees earlier this year that I would receive the XXXX night free, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX club XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX club XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.
Consumer complaint received 2016-03-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (FL)

This is my second response to this company regarding this matter. They are attempting to collect a debit that is not mine. I have never been to this Dr XXXX The amount they are trying to collect is {$110.00} It Was Submited for Collections on XXXX XXXX XXXX. 
The last XXXX of my ss # is XXXX date of birth is XXXX/XXXX/XXXX.
Consumer complaint received 2016-03-15
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ref : Car Ref This is the XXXX 4 times bank of America refused to give me credit ; I Had been trying to reestablished an account with Bank of America and it has keep denying me for either credit cards or bank loan.. I had apply with other loan and card companies and got approved .. I do not understand why bank of America is discriminating me since my property foreclose was canceled by the court. Bank of America is refusing or helping me to reestablished my credit that I already had. I hold other account with max credit of {$6000.00} in good standing and my credit score is XXXX approx. But i do not understand why bank of America is refusing to give credit. I feel discriminated by Bank of America. Please Help
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I opened a Macy 's card in XXXX of 2013. I went in to pay my bill in the store. I told the clerk I wanted to pay my outstanding balance. He instead charged me for the minimum payment. Then Macy 's hit me with a couple of late charges, which after many hours spent contacting people at the Macy 's CC center, I finally spoke with a manager high enough up that was able to help me, and agreed that Macy 's wrongfully reported all lates and would have them completely removed. However, the lates were not fully removed from all XXXX credit bureau 's. Still, to this day, XXXX shows a 30 day late on that card. It has continued to affect my credit, ability to purchase, and get new credit.
Consumer complaint received 2015-09-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (GA)

I typically overpay my mortgage. I run XXXX months ahead of my payment. PHH Mprtgage has be two months ahead in XXXX 2015, then their accounting went crazy. My payment is {$1200.00} a month. They applied {$1800.00} to XXXX/XXXX/2015 payment. Then I started getting nasty letters from them saying I was overdue. I ended up paying {$5300.00} toward my XXXX/XXXX/2015 payment and {$3000.00} toward my XXXX/XXXX/2015 payment. Did a law change allowing lenders tyo change the terms of my fixed mortgage? They cant recalculate mt mortgage each time I overpay. They are essentially penalizing me for prepayment by keeping my maturity dadate fixed and making me due every month no matter how much I applied to my principal. I depend on having a cushion of a couple months for when I deploy. This is total XXXX. I have complained to you about XXXX doing the same thing. and they responded with a XXXX answer and continue to do the same thing. XXXX banking practices!!!
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2015-11-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (KY)

I graduated from XXXX college in XX/XX/XXXX. I was not offered any student aid I was only XXXX at the time was unsure of exactly what I was getting myself into. I had XXXX private loans taken out from American education services. I graduated and could n't find a job in my field until two yrs later. I was able to finally start working as a medical XXXX after 2 yrs of deferments. I started working at an XXXX I was able to get my foot in the door due to knowing the XXXX supervisor. I 've been paying on my student loans since XX/XX/XXXX I was given a loan from AES for XXXX I 've paid a total of XXXX dollars only XXXX has gone to the principle and XXXX in interest. I still owe over XXXX I 've paid XXXX dollars a month. I recently was sent to collections in XX/XX/XXXX I paid in XX/XX/XXXX I was late due having my rent money stolen from me. I informed AES of what had happened and I would be able to pay them in XX/XX/XXXX I was told I had 60 days to pay before it effecting my credit I was sent to collections which resulted in my credit score dropping over XXXX points. I 've never been late paying them I feel I 'm in a never ending interest battle with AES. XXXX college did not help me with a job after school like promised which resulted in me having to defer my loan and now I 'm struggling to pay off this loan. It 's extremely frustrating that now XXXX do not need the schooling to become a XXXX now I 'm stuck paying this what feels like a never ending loan for something I could have just avoided and now my credit score has dropped tremendously due to a financial hardship that I had no control over.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} INQURIES XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 U.S.C 1681 C-2 15 U.S.C 1692g 15 U.S.C 1681IS-2 15 U.S.C 1681i 15 U.S.C 1681b 15 U.S.C 1681i 15 USC 1681b - 15 U.S.C 1681IS-2 15 U.S.C 1692g 15 U.S.C 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e-
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ENCORE CAPITAL GROUP INC. (SC)

" Midland Funding , LLC '' is a heavy handed collections company that " buys '' bad credit card debt for pennies on the dollar and then aggressively pursues the debtor. 
Since my ex husband was not taking care of his half of the debt, after the divorce, I decided to hire an attorney to help me negotiate his half since it was still affecting my credit. 
At the time of the negotiations, " Midland Funding '' only presented 1 account to my attorney. It was negotiated out of court and paid as agreed, even though the statute of limitations had past and they could no longer go after me legally. I really just wanted to clear up the damage on my credit that my ex husband had caused. 
Then, a few weeks later, I started getting calls and letters again concerning 2 additional accounts that they had also purchased at the same time as the settled account. The problem is " Midland Funding '' was/is required and should have presented all collection accounts they had in my name. They failed to disclose all accounts not only to my attorney but to the courts and the Judge. 
This all took place about a year ago and they are still contacting me by phone and by mail, even though they know my attorney, first hand. I calmly direct calls to my attorney and have turned over the letters to him. 
I do not want to take them to court. But I will if that 's what it takes for them to follow the law and rules of the courts. I really just want the calls and letters to stop or be redirected to my attorney. And if I am understanding the law, it is illegal for them to pursue me and to still report the other XXXX accounts on my credit report since they failed to submit all XXXX accounts at the time of negotiations and settlement. 
Thank you for this format to allow consumers to report illegal behavior.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2015-09-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (MI)

Dear CFPB Representative, Yesterday I went to write a check in my local supermarket ( XXXX ) and had Telecheck refuse to process the check from my personal XXXX XXXX XXXX. The acct. has been open for more than 12 years! Upon arriving home they stated that the checking acct. was new? So, they had to build a history on it. Once that was done I could proceed to use it in the same supermarket. It was declined again. On the FTC site it indicates this company has legal action against it for similar issues. The Telecheck personnel seems not to provide proper information for the check being declined. Denial record # XXXX. 
Check amount {$57.00}. Date XX/XX/2015. Ck # XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX TEL # XXXX ID # XXXX I NEED SOMEONE TO INVESTIGATE THIS INCIDENT PLEASE-XXXX
Consumer complaint received 2015-05-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. ()

VERY URGENT! I set up a checking account with Bank One in XXXX XXXX. With this kind of account I had been told that if I keep a minimum balance of XXXX USD it will be free of charge - meaning my monthly service fee will be waived ( see explanation on statement ) .Received statements from Bank One until XXXX XXXX to my address in XXXX and a letter in XXXX to sign and return to keep it active what I did immediately. Received letter in XXXX signed and returned asap. Received letter in XXXX included a new VISA check card from Chase XXXX which I ca n't use in XXXX XXXX. This is how I got informed that Bank One now became Chase Bank. I received NO other information! Received letter in XXXX signed and returned asap. The balance on this document had been the same balance since XXXX! Got a letter in XXXX with a new Chase Visa Check Card. In XXXX XXXX received again a letter to sign and return what I did asap. On this statement my balance showed an amount less than the statement before. Unfortunately I XXXX could not take care of such matters. Now I XXXX will travel XXXX in XXXX XXXX. I called and emailed to Chase Bank in XXXX XXXX to find out why they had started taking monthly fees of my account all of a sudden without informing me of everything. 
XXXX ) I did not get any serious information that Bank One had become Chase Bank. 
XXXX ) Then in XXXX they just changed my account status and started charging me with monthly fee of XXXX $ on my bank account. 
XXXX ) I did not get informed by Chase Bank about any changes until my call in XXXX XXXX! 
XXXX ) I did not sign an agreement for changing my bank account status with Chase Bank. So they made unauthorized transactions. 
XXXX XXXX The amount on my account has dropped of nearly half the amount I did put in the account XXXX ( without me taking any money out from it XXXX. 
This is why I am writing to you. I have included a time schedule report about my activities to Chase Bank. I did not get any response on my complaint but received a letter from Chase Bank end of XXXX XXXX instead, informing me about their " Additional Banking Services and Fees '' which really does not help me at all. Also you will find copies of documents I have received from either Bank One or Chase Bank. 
I will travel XXXX in XXXX XXXX and would be happy if the matter could be solved by then because I do n't know when I will have to opportunity to come back. And probably I have to do anything about my account " personally '' in the bank office XXXX meaning taking money off or deposit money ) because I am living XXXX and this is why I want to have the total amount back I owed when I set up the account by this time and the problem solved. Hopefully you can help me. Thank you very much in advance.
Consumer complaint received 2016-01-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I was contacted by phone by XXXX XXXX XXXX XXXX XXXX flXXXX ph XXXX agent young park stateing he had a purchase agreement for XXXX timeshare for total aqition price of {$22000.00} plus 5 weeks use pass which he sold for {$7100.00}. Total {$30000.00} would be deposiited in my checking acct when we wire {$2600.00} for transfer to young park XXXXwhen the money didnt show in the acct i tryed to contact young park and got only voicemail and no responce this title co is owned by XXXX XXXX ph XXXX the purchase agreement was for XXXX & XXXX Ph XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (PA)

My home at XXXX XXXX XXXX, XXXX Pa is schedule for Sheriff Sales on XXXX XXXX, 2015. Presently, I 'm in the middle of a refinance modification with " XXXX ''. 
In the past, since Citibank bought my mortgage company XXXX XXXX XXXX XXXX, Citibank has never attempted to work with me. Citibank Foreclosed on me when they had about a year of my mortgage payment that they processed in their possession but Foreclosed on me. I hired and was represented by the law office XXXX XXXX. XXXX XXXX was able to obtain the cashed check from the bank, but his office had to file a XXXX because of a foreclosure sale that was pending with the sheriff. 
I contacted the Pennsylvania Attorney General Office with a certified complaint concerning this matter via certified letter, but to date I have never received a reply from that office. 
In hind sight, I requested a copy of my deed from Citibank and a " '' QWR '', but to date the bank has never acted on my request nor did the bank replied me at any time. During a court hearing in XXXX, pa ( Federal Court ), the lawyers of Citibank were asked by the judge why my request for my " Deed '' / '' QWR '' was not attended to? The Bank Attorney 's replied, " All these documents are being computerized '' physical document are difficult to obtain. 
This on the part of the bank is a justice denied, not only delayed. This action on the part of Citibank also violates purely procedural rules to a level of State law. 
Because of the many constraints that was place on my financial condition among which was nature disaster, with no help in sight, I was encouraged to contact the Justice Department. I contacted the U.S Justice Department. In keeping with the Justice Department recommendations, I 'm contacting your office to kindly ask that you please use the services of your good offices to help me resolve the mortgage matter with Citibank. Citibank is XXXX of the banks that received tax payers like myself tax dollars as bid out money when they claimed to be " needed ''. in addition, Citibank claimed to be a community partner in rebuilding family and community through it 's many loans/ modifications and government program. Yet, I 'm a perfect example among many in my condition of a false publicity.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Me and my wife have been fighting Owen lending services for 8 months. It started when they raised our payment XXXX XXXX dollars a month. My wife called them they said that was are payment and they would have research it so that went on for six months we made the payment then all of a sudden are payment is back to normal. Just recently we get a call stating that we are late when we have made all payments in the full amount and on time. I need help dealing with these people! I have online there is so many people complaining about the same things with this company I can not believe they are still allowed to do business in this state. I hope you can help us
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In response to a debt collection letter, I sent XXXX XXXX XXXX a certified letter dated XX/XX/XXXX requesting Verification of Debt demanding the production of certain documents. XXXX responded with a letter dates XX/XX/XXXX. 
On XX/XX/XXXX I sent them a second letter advising XXXX of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XX/XX/XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department of Financial Institutions fined XXXX XXXX XXXX the sum of {$170000.00} on XX/XX/XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!