davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-28
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: EZCORP, INC. (TX)

I have had a loan with TX EZ Money for several months now and as of XXXX XXXX, 2015 I was informed that they were going out of business and my account would no longer be accruing interest I would just be responsible for the principal. 
Today I called in to make a payment as scheduled and I was informed by XXXX, an employee, that she was going to refer me to another payday lender so I could apply for another loan to have my loan with TX EZ Money paid in full. 
I told her I was not interested in applying for another loan with another lender and that I would continue to pay my loan on my regularly scheduled day. 
After 45 minutes I received a call from XXXX XXXX payday loan asking me to go in and fill out paperwork and take all the required documents to apply for a new loan. I do not believe that this is a fair practice. I am no way obligated to try and get another payday loan from anyone and they shared my information with others without my permission.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I ( XXXX ) purchased a round trip ( XX/XX/XXXX to XX/XX/XXXX ) flight ticket for {$1300.00} to XXXX XXXX from XXXX using my XXXX XXXX credit card to visit my ailing father. 
I also purchased a flight insurance for {$82.00} to protect for 100 % refund incase of trip cancellation. Ten days later, I was advised of the XXXX in XXXX XXXX and called XXXX to cancel the flight becauseof the latest news of XXXX outbreak in the country I planned to travel. 
XXXX started to argue that the airline has to accept the cancellationfor a refund ... otherwise I will forfeit the payment made for the trip. Itold this agent that the transaction was made with XXXX and there is aninsurance coverage to cover full refund of {$1400.00} less {$82.00} ( insurancecost ). I explained to the agent that the trip to XXXX XXXX is prohibited for non essencial travelers according to State Department. I did not get a response from XXXX. I then called my credit card company, XXXX XXXX and denied the charge. The amount wascredited to my account while XXXX XXXX advised XXXX about mycomplaint. XXXX rejected my complaint and XXXX reinstated the costincluded monthly interest rate of 22.9 % since XX/XX/XXXX. I have objectedto the bill and monthly interest and sent a complaint letter ( Case No. 
XXXX and No. XXXX XXXX on XX/XX/XXXX with all records oftransaction including insurance coverage and warning from the nation 's CDCto not travel to XXXX XXXX has ignored my objection, and insteadcontinue to send me bills of outstanding payments, adding monthlyinterest, stopped the use of the credit cards and has sent bad credit recordthat has now created problems with me getting a loan to purchase a home for me and my family. see attached record of dispute. 
I request that XXXX XXXX be investigated for its abuse of consumer protection law and immediately clear all negative reports under my name, XXXX XXXX at all three credit bureaus.
Consumer complaint received 2015-10-06
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I asked for a " chip and pin '' debit card and received it a few weeks ago. I was told that it would n't be like a previous card I had that used a chip and would work by waving the card around, seemingly magically. I assumed it would work with a pin number but I have had a different experience than I expected. The bank ( in my case, it 's J. P. Morgan Chase ) has chosen to implement a system whereby for the most part, the chip replaced the pin number. I do n't like this because if I should lose my card, it is immediately usable by anyone who finds it. I want my card to be like it was before, but with a chip.
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

I am being constantly harassed by the law firm Frederick J. Hanna & Associates in XXXX, Georgia. I had a debt two years ago, where I reached an agreement with the original creditor XXXX XXXX XXXX Bank to pay the principal in a lump sum, and the rest would be forgiven due to my financial circumstances. I have not received any communication from the original creditor for over two years, then suddenly in 2015 I started to receive constant and harassing telephone calls from the attorneys at Frederick J. Hanna & Associates in XXXX, Georgia saying I owed a debt for an amount that is much larger than the original balance that was resolved. I have contacted the law firm several times asking for PROOF of the amount owed and I recorded a representative saying " he only worked there '' and as a collection agency he did not know how they came up with the amount I am being sued for. So my understanding is that you can constantly harass a young woman by telephone, mail, take them to court and expect them to pay an amount that as a law firm you can not show proof or a breakdown of what is supposedly owed?!?!?! I have other recordings to show that Frederick J. Hanna & Associates in XXXX, Georgia were not trying to resolve the matter ; after constantly contacting them or leaving messages I was hung up on or my calls were never returned. I asked my original creditor to provide proof of the debt owed and they could not. I was told the account was closed. I sent the law firm an Answer to their lawsuit denying any debt was owed and asking for proof of the debt. For the firm in return to respond and ASK FOR THE SAME THING?!?!? Frederick J. Hanna & Associates in XXXX, Georgia is the law firm suing me, constantly harassing me and expect for me to give proof of a debt resolved OVER TWO YEARS ago when they can not ; it is ridiculous. The law firm is causing emotional and academic damage due to the bullying tactics. The numbers do not add up of what they say I owe, and when I called them to try to talk to them, the lawyer only argued with me and would not show evidence of the exact amount. I have recordings and physical evidence to show the INCOMPETENCE and LACK OF EVIDENCE the law firm has of the debt I " supposedly '' owed. Frederick J. Hanna & Associates in XXXX, Georgia are sharks and need to be stopped!!!!!!!
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased XXXX items from Kohl 's using Kohl 's Charge Card online ( order # XXXX XXXX. I refused delivery with the carrier and the items were returned to Kohl 's. Kohl 's has refunded XXXX item but refuses to refund the other item and Kohl 's Charge refuses to reverse the charge. I never got possession of the item so expect the charges to be reversed. There were purchased together and shipped under the same tracking number and where refused delivery at the same time. So I am puzzled why Kohl 's have decided to reverse the charge for XXXX but not the other.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

I, XXXX XXXX XXXX, was forced out of my home XXXX, by which US Bank, XXXX XXXX and its affiliates committed fraud, constructive fraud, civil theft, and breach of contract ; along with intentional infliction of emotional distress in order to provide them with leverage to be able to successfully foreclose on my home. 
Only as a result of my official complaint ( XXXX ) through the CFPB against U.S. Bank was I able to get ANY form of a response from their organization. As of XX/XX/XXXX, the Law Office of XXXX XXXX XXXX has instructed me to request U.S. Bank to provide me with the following additional documentation below:1 ) Life of the loan transaction history. 
2 XXXX Letter XXXX XXXX ) stating when payments changed. 
3 XXXX Court summons of eviction notice served by U.S. Bank on XXXX XXXX XXXX during the month of XX/XX/XXXX. 
4 XXXX U.S. Bank 's refinance/modification guidelines that stipulates how an applicant must be behind on their mortgage in order to be eligible for a loan modification. 
5 XXXX All decline letters for both refinancing and loan modification issued by U.S. Bank prior to XXXX XXXX XXXX every became delinquent with his loan payments.
Consumer complaint received 2015-10-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

XX/XX/XXXX I received an auto loan through Santander Consumer USA. The amount financed was {$14000.00}. The terms are {$350.00} per month for 60 months at 17.15 % interest. This loan has been deferred several times moving my maturity date XX/XX/XXXX. As of today, my loan is current, but there is a discrepency in the total of my remaining payments and what the finance company states the balance is. They are stating that the balance is {$8100.00}. I have 14 months left on my loan at {$350.00}, which totals {$5000.00}, leaving a {$3000.00} discrepancy. I contacted them and spoke with XXXX. She was extremely rude, stating this is a simple interest loan. She stated she would email me the payment history and I would have to speak with an accountant, then simply hung up on me. I contacted a Loan officer at my bank today who reviewed the information, and also saw this discrepancy. She told me to contact The Bureau of Consumer Financial Protection and Better Business Bureau, and file complaints.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (DC)

My job relocated from XXXX to XXXX. In order to keep my position I accepted the new relocation. I contacted a law firm to assist me with a short sale. I could no longer afford to maintain a mortgage payment and rent at my new location. I sent monthly bank statements and check stubs to the lender to show that my income could not maintain the monthly mortgage payments. I obtained a relator to place my home on the market and received an purchase offer. GreenTree mortgage company drag this process over a year and decided not to agree with a short sale. Green Tree mortgage agent told the law firm that I went to XXXX to often and I could meet my monthly obligation. Green Tree mortgage were unwilling to work with me and drag this process for over a year. I wanted to meet my obligation but I could no longer afford this payment and meet my daily needs. I was trying to maintain my good credit standing by doing a short sale.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION (CA)

I applied and received a loan from Check n Go. During my time with them I received XXXX late payments, which were wrongfully pointed to me. When I contact them about it they said that if I paid my account in full those late payments will drop. I pay around {$2700.00} to have those late payments removed and they have not. I contacted them and they are saying those late payments do belong to me, which even if they do, they said they would clear it if I was to pay the entire amount in full. I would please like these two late payments to be removed from my credit history.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Billing disputes — 
Company: REGIONS FINANCIAL CORPORATION (CA)

This matter was previously filed under case number : XXXXThe merchant agreed to withdraw the disputed charges, but hasapparently reinstated these charges and has not closed theaccount as we had requested. 
Attached is their most current billing. 
We have not used this card since the complaint was made.
Consumer complaint received 2015-08-31
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

I received a call from someone saying they were from XXXX and that my computer had issues. The accessed my computer and my bank account to supposedly deposit {$200.00} into my checking account. They supposedly made an error and the deposit was for {$2000.00} and needed the extra money returned. What I did n't know was that the money was a transfer from XXXX account. Needless to say I am out {$1800.00} at this time. 
The amount was a Money Gram transfer. The phone number I was called from is XXXX. 
If possible I would like assistance in retrieving the money. 
I should have went with my first instinct that this was possibly a fraud but they had locked me out of my computer using a XXXX viewer and I could not unlock the computer until they called me. TheThank your for any assistance you can provide.
Consumer complaint received 2015-08-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (OR)

I have been a netspend customer for 7 years. I have worked for the same company the entire time and i have my bi-weekly check direct deposited into my account. This week i received a bonus which put my account balance over the maximum on the card. As a result my account was frozen. I immediately called in and they said i needed to provide proof of deposit from my company. Our payroll department immediately provided. Then radio silent. I called back in XXXX hours later to check status. Customer Service informed me that they had all they needed but it take XXXX hours to process. Fine. So after the XXXX hours expired i called back ( XXXX time ). The rep told me that she did n't know why it had n't been unfrozen but assured me they had what they needed. So once again i hung up. then XXXX hours later i called again. I asked to please talk to the documents department and they said they can not call them. But they emailed. Low and behold right after that email went i receive a notice that they still have n't received the documents they need. Now keep in mind no one told me any documents were required beyond proof of deposit even though i asked XXXX people. So i immediately sent the documents. That was at XXXX yesterday. So i called again last night at XXXX to check to see -- what else was needed, what are next steps. Again nothing other than it takes XXXX hours. So this morning i call back ( call number XXXX ) and once again there is no update. Then they transfer me to the fraud department. The fraud guy says he does n't know why i am there and puts me back with customer service. So the new customer service agent asks for all of my informaiton again and then says i need to hang up and call back in. that is when i lost it. Finally i spoke to a supervisor who supposedly sent another email and apparently was going to document that this needed to be escalated. I am now back on the phone ( XXXX call in but XXXX person i have spoken to ) and she said they ca n't address until monday because the people are n't working. BRAND NEW NEWS. So i am on hold once again waiting for supervisor and all of this time my money is locked down. Once again i understand need to do verifications but this is insanity and i honestly feel like i am losing my mind. This whole process has to be illegal. I honestly can not believe that not XXXX person can get a clear status update. What they do n't realize is that this completely messes up people 's lives severely. Sad, tragic and completely has me in tears.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The account for Child Support has been on my report since XX/XX/XXXX and has been illegally re-aged, since my recent dispute with XXXX and Transunion. 
** XXXX has removed this closed account once they completed their investigation. The other XXXX REFUSE to remove it is past the 7-10 years and account is now closed and court ordered by judge to close as well. 
Under no circumstances should a collection account for a debt remain on your credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, there 's a good chance the debt has been re-aged. 
The collection agency will simply fix your credit report to avoid any trouble. If the collection agency does n't remove the entry after 30 days, send a second letter saying the same thing and giving the company 10 days to correct your credit report before you file suit against the collection agency for violating the FCRA and report the company to the Federal Trade Commission for illegally re-aging a collection account. 
I have called so many times and was spoken to by Experian reps with disrespect and very harsh, without giving me a chance. 
A request that the credit bureau immediately delete the information or I will contact my attorney general and file a lawsuit against the company for violating federal credit reporting practices. Attached you will see it as remains and now the removal status is not until XX/XX/XXXX. NOT FAIR AND NOT ACCURATE!
Consumer complaint received 2015-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc. (IL)

3rd party debt collector " Diversified Consultants '' contacted me at work on Wednesday, XXXX XXXX, at XXXX XXXX. I spoke briefly with them and told them they were welcome to contact me, but NOT between the hours of XXXX XXXX to XXXX XXXX M-F because I am at work. 

Diversified Consultants ignored this request and called me again at work on Friday, XXXX XXXX at XXXX XXXX. 

They were attempting to collect a debt on behalf of XXXX XXXX XXXX that I have already paid.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a credit card from XXXX XXXX 2014. I paid my first 3 payments or XXXX right on time like clockwork. On 4th month my wife was diagnosed with health condition that caused her to be put on leave from work so in mean we fell behind on many bills and many debtors worked with his. I advised Capital one of the situation when I paid {$250.00} on my balance of {$420.00} and the lady I spoke to my payment and even waived XXXX late fees for but never advised me account was restricted. I did not find that out to after my {$250.00} posted on my account and rep told I could not use my account because I feel behind. I was never told my account was in danger of being restricted and I even made payments when I got some extra money during the time my wife was off work. I have XXXX kids who I have to feed and keep a roof over their head. I called again today on XX/XX/XXXX and they told someone noted the account as speaking to me and telling on XXXX XXXX my account was going to be restricted. I was once never told my account was being restricted at all. Even when I spoke to reps about my unfortunate situation during the time I fell behind. I just do n't get how a company can go off internally notes from a rep saying they spoke to me about my account becoming restricted. I never received a letter or a message on my account of my account becoming restricted.
Consumer complaint received 2016-02-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Hello, I applied for a mortgage loan with Navy Federal Credit Union - and I pulled my Experian Credit report which gave me a score of XXXX - based on this I applied for the Mortgage and Navy Federal is saying my score is XXXX, which is not correct and they increased my interest rate by 2.625 % from their initially quoted website rate of 4.0 %, which increased my qualifying ratios and now I am not able to afford the house anymore. 

I feel truly depending on the numbers which may not be correct and not even matching with XXXX 's report is not fair and which made it unable for us to be able to buy the home we wanted.
Consumer complaint received 2015-10-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (UT)

On XXXX XXXX, 2009, a large home, worth about XXXX burned down mysteriously at night. It is in our neighborhood, which has a lot of nice homes. It has been nearly 7 years now, and nothing has happened to tear down or rebuild the home, which is a mess and eye-sore to the community. Why am I writing this : I have been working this case for years now. CHASE Bank seems to be either the owner or the owner of the mortgage. The problem with that, is Chase " hides '' like a child behind laws that are on the books - to NOT tell anyone anything! Hence, XXXX of people here in the community have inquired of Chase about the property, to possibly buy & restore, to tear down the remaining poor structure, etc., but Chase says that they can not tell us anything as we are not the owners. Chase has previously also inferred that they were not the owner, but that the person who built the home, is the proper owner. Whenever we contact him, he adamantly says he is not the owner, but to contact Chase. Wow, what a run-a-round!!! I 've tried to contact JP Morgan Chase 's CEO XXXX XXXX, but that seems to also fall on deaf ears. I 've complained, through this site a couple years ago, once before, and insufficient results only were obtained. So, I 'm DOING so again! Chase owes the public an explanation, so we can then clear up our neighborhood to not appear like a trash bin!