davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (FL)

I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX
Consumer complaint received 2016-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (FL)

I had previously submitted information for a complaint against the bank 's attorneys but it seems that there would be better chance for success filing against Chase Bank itself. The title company has definitely tracked the money that far. 
The title company received the payoff amount very late. I did n't even see it until I walked through the door at closing. It includes items for " estimated attorney fees and costs '' amounting to {$3200.00}. I can not image what this could entail as this estimate was received the day of closing. This was a straight forward sale. No short sale. There were also " Incurred attorney fees and costs '' of {$100000.00}, in addition. Several days later I received a refund of {$75.00} marked PIF.. How can there be a final reconciliation of fees and costs without accounting for these estimated attorney items? I am attaching the payoff quote.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (NC)

i have been a valuable member and have used and paid the card only to receive a XXXX increase in my limit. I think this is ridiculous and i would use the card alot more and pay it off more if the limit was increased. When i opened the account the lady told me that i could probably request a XXXX limit within about 3 months but yet i am at XXXX. My credit report shows i pay all my bills, no matter how many there are, they are paid. I have no collections, i have no past due balances and i am not near my limit on anything
Consumer complaint received 2016-01-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Auto Trakk, LLC (PA)

Purchased a vehicle in 2012 from a dealer in XXXX, PA who financed it through Autotrakk and at the time of purchased my Sister and I were told I would only have to keep it 18 months and could then trade it and this was XXXX of the main reasons I purchased the vehicle because I wanted to get my credit back to perfect and I did. I kept the vehicle more than 18 months with perfect credit and went to trade it and the dealer said I could n't trade it that I owed more that the vehicle was worth that 's when I learned that XXXX charged me {$4000.00} more than the vehicle was worth. I went ahead and bought the new vehicle and kept paying for the Autotrakk loan and put that vehicle up for sale. During the duration of the loan Autotrakk kept telling me this was a lease because I kept asking why I could n't get a better interest rate because my payment history was perfect and they kept telling me that it was a lease which was contradicting what the dealer told me. These people in customer service are all incompetent. They required you to do the service calls on the vehicle and they would tell you when they were due which was no problem cause that was paid for by them and I did everyone but when I would call to make my payments after a service call they would say you need to make your service call and I would tell them it was already done but the last service call I did the dealer did n't notify them I guess and when I tried to make my payment they refused to take my payment and I went off, those XXXX just ruined my perfect repayment history by not letting me make my payment. It is there responsibility to call the dealer and confirm the service call was made. The service call was done XXXX XXXX and that info is available right at the dealer. I told them to come get the vehicle or I would take it back to the dealer and they did the next day so this was a I voluntarily gave the vehicle back but still the loan was perfect credit but they turned it into the credit bureau as a repossession and now even thought all my debt is perfect credit and I have several credit cards I can not better better car insurance or even better credit cards with low interest rates because it lowered my credit score form XXXX to XXXX so I am suing them because they would not except my payment and how can you reposess a car with perfect credit. I will fight this and go to court to get this off my credit report. Stay far away from this company and do a XXXX search for Autotrakk and see all the complaints this company has they should shut this company down these people do not know how to do good business and I will put it on all social media platforms to warn people to stay away from this company.
Consumer complaint received 2016-01-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

My interest rate with Navient is 10 % and it is n't fixed. The payment they require to even make a dent in the principal balance is extremely high. They told me there is nothing I can do to lower my interest rate. No one refinances private student loans either that I know of. I just feel like I 'm drowning in these payments to Navient and I have n't seen my principal balance go down at all in 5 years of paying them. I already pay on my Federal student loans as well. I just do n't know where to go from here or how to get a lower interest rate so that I can start making a dent in my debt. Please help!!
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. (MA)

To Whom It May Concern : I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2016-01-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I have XXXX different accounts with citizens bank. I rented a car in enterprise and they took XXXX separate amounts on XX/XX/XXXX and XX/XX/XXXX so I could n't transfer the money to cover my gas and electric bill so I got charged the overdraft fee on XXXX of my accounts. I called citizens and explained the situation and at the time it was only showing XXXX overdraft fee which they reversed but later on that day the other fees came in but they refuse to reverse the fee? XXXX returned the money they was n't supposed to take out but now I am stuck with the over draft fees.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX this account is old and still reporting way further back than it needs. As well creditor agreed same stating deliquincies listed though i dispute are from well over 5 years ago. 

XXXX bureau still reporting another old delinquincy, grantor states should not go back this far XXXX XXXX fraud account XXXX fraudulent inquiries XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX Credit Cards XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX
Consumer complaint received 2016-01-01
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Navient Solutions, LLC. (CA)

Navient has a pattern of using abusive and deceptive debt collection tactics to try and collect on my student loans. On XXXX XXXX, 2015, I received an email from a XXXX XXXX XXXX at Navient who asked me to give him a call to discuss my " concerns. '' This was the same XXXX XXXX XXXX who on XXXX XXXX, 2015, also sent me an email asking me to give him a call. On XXXX XXXX, 2015, I did indeed give XXXX XXXX XXXX a call. On XXXX XXXX, 2015, during the phone call with XXXX XXXX XXXX he used abusive, threatening, and hostile language. He threatened me with increasing the interest rate on my student loans if I did n't comply with his demands of continuing to pay XXXX XXXX XXXX XXXX who is a debt collector who was hired by Navient to collect on the student loans. I have filed multiple documented complaints against XXXX XXXX XXXX XXXX ( XXXX ) because of their deceptive and abusive debt collection tactics in flagrant violation of the Fair Debt Collection Practices Act and who are collecting on behalf of Navient. XXXX XXXX XXXX at Navient told me that I had no choice but to keep paying XXXX even though they have repeatedly broken the law, including the FDCPA, and XXXX XXXX XXXX stated that If i did n't keep paying XXXX my interest rate would be increased by Navient and Navient would tack on additional fees and costs to my student loans as a result of not continuing to pay XXXX. I need all communication from XXXX XXXX XXXX to be in writing. He has used threatening and abusive language in the past and I do n't want to be subjected to more threatening and abusive language. The threatening language by XXXX XXXX XXXX at Navient has caused me severe emotional distress. I have over two years of documented evidence against Navient and the debt XXXX they have hired to collect on my student loans. This documented evidence includes multiple severe violations of the Fair Debt Collections Practices Act, severe violations of the Fair Credit Reporting Act, use of deceptive debt collection tactics, use of threatening debt collection tactics, misrepresentations, and unfair business practices including excessive fees and collection costs. All these violations have caused me severe emotional distress and health issues.
Consumer complaint received 2016-01-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (MN)

In XXXX XXXX sold my XXXX XXXX XXXX auto loan. Systems & Services Technologies , Inc ( SST ) manages all aspects of this loan and XXXX has no knowledge of any activities related to this loan. When I first received the notice of the sale, I realized my minimum monthly payment amount was not accurate. I notified SST about this error and was told it will be investigated. Their investigation did not uncover any error. I tried several times to resolve this matter, but I had no success. When my loan was with XXXX it was auto drafted from my account BIMONTHLY for {$150.00}. Therefore, I was paying {$300.00} per month when my minimum payment was {$280.00}. SST has my minimum payment set at $ 150 MONTHLY. My maturation date was XXXX XXXX, XXXX and SST is still attempting to collect payments despite the fact that I never missed a payment and I already reached my 75-months term. Still no one will look into this matter at SST or XXXX.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

on XXXX XXXX, 2016, I saw my experian credit report and notice a fraud statement that did not pertained to me. I did not write nor call experian and ask them to put a personal fraud statement on my credit report. I can say that someone used my information without my consent. But i never asked the credit bureau to put a fraud alert, which included a personal statement that I did not add to my credit report, and the credit bureau listed a old phone number that I had 5 months ago
Consumer complaint received 2016-01-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (NY)

I received a credit score hit due to payment delinquency for a student loan XX/XX/XXXX. I reached out to citibank XX/XX/XXXX to request that they clear this issue given the circumstances at that time : 1 ) I never received the notification that XXXX XXXX was going to sell my loan to citi because I physically moved residences and therefore 2 ) I did not realize I had to re-establish an automated payment calendar with a separate entity which led to the 3 late payments before I took notice and paid. Given that I have a stellar history of making payments and had advance paid the entire amount in full, I requested that citibank take off the hit on my credit records. I started with calling the citi gold desk because I have multiple products with them ( e.g. checking, credit, mortgage, etc. ) and they indicated that i 'd have to reach out to the student loan department directly. Citi Student loan had no record of me, so I reached out to XXXX XXXX, who then routed me to XXXX, who then routed me back to Citi. 

Citi claimed that they do n't see the account being cleared, and said that they will leave an open dispute on my credit report. While i have paid the full amount of the loan, I still see a {$0.00} transaction log every month and neither XXXX XXXX, XXXX, or Citi is able to see or close/clear this account and are constantly re-directing me. 

My main ask is to take back the credit hit score since I have paid off the entire loan in full in advance and to close the account because I still see a {$0.00} ACH debit coming through even if the loan is paid in full. But no matter who I call, I get routed and no one is able to find my account.
Consumer complaint received 2016-01-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (GA)

I live in a subdivision which includes a XXXX XXXX XXXX. The monthly fee for the XXXX is managed by Union Bank NY a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX in XXXX, GA. They began managing the XXXX in XXXX 2015. Since XXXX I have paid my dues on time each month. In XXXX, XXXX and XXXX I received a notice that my payments had been made late and I owed a late fee. Payments are due on the XXXX and a fee is charged for any payment received after the XXXX. All of my payments for those months had been made prior to the XXXX. When I received the first notice I send an email with payment information to the address listed in the letter. I received no response. When I received a second notice I called XXXX XXXX with XXXX XXXX services. He told me Union Bank had applied my payment incorrectly and he would take of it. However, I received a third notice in XXXX with the same issue. Union Bank and XXXX XXXX XXXX have yet to resolve this issue.
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Experian keep reporting my XXXX XXXX XXXX account as : '' Paid, Closed. {$4000.00} written off. '' This information is incorrect and would like for them to correct this information. XXXX XXXX XXXX has written Experian and asked for this credit information be corrected. XXXX XXXX XXXX has not issued a XXXX from to be for the amount claimed to be " written off '' none of the balance was written off. I have payment records to indicate that the account was paid. we have been trying to get this information correct for 2 years. Experian refuses to investigate they just keep sending us the same credit report showing the information as updated. Nothing has been updated, Experian crazy and lazy when it come to making corrections. They have no reason to correct anyone 's report because they are not getting paid to correct anything. They make money when they sell bad reports. Experian could care less about consumer 's, they like to blow smoke and claim they care. Please force Experian to do the right thing whatever that is.
Consumer complaint received 2016-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

i received an annual statement from Seterus regarding PMI from my mortgage statement which detailed how PMI could be cancelled/terminated. XXXX of the ways stated was that if the current balance ( $ 291K ) was less than 78 % of the ORIGINAL APPRAISED VALUE of the property ( $ 399K ) - PMI would be terminated. I called and tried to explain that the Loan to value on my loan was 73 % based on the original value and asked why PMI had not been terminated and that since it should have been terminated when the loan to value became 78 % - i was owed a refund of all excess payments i had made. At first the rep XXXX XXXX XXXX said i had n't reached the required level ( despite going through the notion with him of calculating the original Loan To Value and current Loan to value ) and then stated some nonsense about interest being added back in order to calculate Loan to value. I stated that did n't make sense. He said of course it did as the Bank needed to make money on the loan. He said he would send me a package so that i could request the cancellation of PMI. I told him not too as that was n't the program under which the PMI should have automatically dropped off. I then asked if he was new to the position. He stated he was n't and understood PMI and how it worked. I then asked for a supervisor. He said there was no need as the supervisor was just going to repeat what was on his screen anyway. I insisted. He asked me to hold on and never came back.
Consumer complaint received 2016-01-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Funding LLC attempted to sue me for a credit card debt. During the discovery process, attorneys for Midland Funding LLC determined they were unable to prove I own this debt and the case was dismissed in XXXX 2014. Midland Funding LLC has continued to send me letters demanding payment of this debt for the past year and is still reporting it on my credit reports.
Consumer complaint received 2016-01-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

This complaint adresses how the XXXX has been illegally reporting XXXX collection accounts to the XXXX credit reporting agencies, Equifax , refuses to remove these errors after repeated investigations. The original creditor is the XXXX XXXX XXXX for both accounts in which I went to the XXXX on XXXX seperate occasions. 
1. Acct # XXXX {$280.00} 1.The date that my payment was delinquent was XX/XX/XXXX. A single collection account can not have different dates that they will be removed from each credit reporting anency. 
2. Acct # XXXX {$140.00} This became late XX/XX/XXXX 3. Credit consulting acct XXXX {$110.00} The Orig creditor-XXXX never sent me a bill and I was never told what the charge was for and they are not sure the debt was mine because the address information is not mine. The XXXX agency removed these accounts from their report on XX/XX/XXXX and my dispute with Equifax was ignored. 
Additionally, I have repeatedly demanded proof of the debt so I could attempt to verify the correct dates and have been repeatedly ignored. Both credit reporting agencies do not give me any documents that show me how the verified the debt. The collection agency will not give me this information either. They will of course send me a bill to verify the amount on the account, that I am not disputing, I also wanted to point out that Equifax and XXXX report both of the accounts as closed and open. I want to verify the date accuracy of the XXXX debts. If the closed account has wrong information it should not be reported on my credit file. I have attached the XXXX report and Dispute report & Eqiifax report, as well as the XXXX before the dispute. Additionally, I have tried to find out the correct dates of delinquency by filing a complaint through your agency before but It has been hard to articulate my problem until now. I never received the proof of the debt that showed any dates and have requested this information from the XXXX & the CRA 's. Please help, the end dates for each collection account should be the same on all XXXX credit reports. Thank you for your time.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I settled a debt with Bank of America. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' I have sent the documentation to the credit bureaus and they have responded saying that the debt has been confirmed. This is a XXXX debt -- not XXXX -- so anything related to it should be reported as " settled '' -- even if it is associate with XXXX distinct account numbers.
Consumer complaint received 2016-01-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilber and Associates, P.C. (CA)

XXXX XXXX XXXX has hired a law firm to collect {$34000.00} from me. They have put a judgment on me and it 's on my title suspending my assets. I believe they are trying to recover costs that they ( XXXX XXXX ) paid to defend XXXX XXXX XXXX XXXX XXXX after I filed a lawsuit for being fired unlawfully. I never received an " order of entry of Judgment '' is what I was told to look for. I was never served, nor was I aware that I was responsible for these charges. I would have disputed these charges right away, but it was a year or more later when I received a bill from Wilbur and Associates naming/ labeling XXXX XXXX as the " client '' for this exact amount. When I received this " bill '', I wrote the very next day disputing these charges but never heard anything back. My lawyer at the time of this lawsuit ( for wrongful termination ) XXXX XXXX, told me that the case was dismissed on XX/XX/2008 and I was never court ordered to pay any fees or costs from this lawsuit. My lawyer told me that the case was " dismissed '' because he filed paperwork " improperly '' It was the UDF ( Undisputed Facts ). PLEASE someone needs to investigate XXXX XXXX, XXXX XXXX AND WILBUR AND ASSOCIATES for the claim they are making, with no corresponding documents, no court order and nothing stating that I owe or need to reimburse these fees of {$34000.00}. If this was court ordered XX/XX/2008, at the time of the dismissal of lawsuit, I would have known about it and my responsibility to pay AND I WOULD HAVE HAD MY LAWYER DISPUTE THESE CHARGES IMMEDIATELY.