davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C. (NY)

XX/XX/XXXX- SUV Reposessed by XXXX XXXX XX/XX/XXXX- Judgment placed against me by Fein Such and Crane LLP on behalf of XXXX  XXXX for Balance of Original loan less sold value, plus interest XX/XX/XXXX- XX/XX/XXXX Garnishment From wages to pay balance XX/XX/XXXX -  Called Fein Such & Crane stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. Fein Such and Crane stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XX/XX/XXXX. 

Ive sent requests in writing to XXXX XXXX, and Fein Such and Crane for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with XXXX XXXX who said I needed to speak with Fein Such and Crane on the matter. Fein Such and Crane could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance. 

Since XX/XX/XXXX, they have taken almost {$600.00} in additional garnishment.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ten  years ago we suffered credit card fraud and the police said to place a credit freeze on our credit report. Now we are applying for a mortgage and this is the third day I have spent trying to have both freezes removed. First this department is located in  XXXX  and they do not have a command of the  English  language nor do they know how to spell simple names  (   XXXX   ).  They do not speak clearly and aggravated when asked to repeat. They also lie, they say they are  XXXX  They drop calls when asked to be transferred to t he US co unterparts. The main number of Transunion does not answer to receive complaints or to help with problems. The final straw is when I finally called, after getting all their pertinent garbage to have them tell me they ca n't access my file because it is being updated. Th e US  agent had a completely different procedure than the one I followed the previous day to have my freeze removed and refused to release the freeze in a timely manner. I have to fax him a request and then he will mail it to me??? I am applying for a mortgage and time is of the essence. The other  XXXX  bureaus quickly and graciously removed the freeze the same day. They must be more expedient and cooperative for their reporting. I expect a complaint line, answered by a live person who speak s English and underst ands it.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX   XXXX  I was th e victim of identity theft / credit card fraud. I pay for the identity theft and monitoring service through USAA as well and followed all directions provided as well as all requested from USAA ban k. Provisional credits were issued on both my affected credit cards and checking account.     However, on  XXXX  card the charges were charged back to me, only to be credited back yet again. At which time  USAA  sent documentation that all credits were permanent. However, a year later in  XXXX   XXXX  without notice, explanation, or even contacting me to t ell me USAA  decided to charge back only  XXXX  of my affected credit card accounts for the finalized fraud/billing dispute a year prior. This is in violation  of Paragraph 13 ( c ) ( 2 ) of Subpart B 1026.13 ( c ) ( 1 ) Effective D ate :  XXXX / XXXX / XXXX  of Regulation Z.
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Good day all ; Please review the below dispute at your earliest opportunity.     Warm regards,  XXXX   XXXX  Consumer Source of Information : The  Huntington National  Bank  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Consumer ID :  XXXX  for  XXXX   XXXX   XXXX   XXXX  This account was included in a chapter  XXXX  bankruptcy i n 2010. Th is account should not only be removed from the credit report, it should be removed from check systems as well.     Further note that the address being reported for this account is inaccurate because the correct address is as follows: XXXX   XXXX   XXXX    ,    XXXX  , MI  XXXX  this when the account was open.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was reviewing my latest statement fro m Capital One  dated  XXXX / XXXX /  XXXX  . It shows a  cash advance  amount totaling {$10000.00}. I disputed this amount by writing to them in a letter dated  XXXX / XXXX / XXXX , asking them for documentation showing when, where, and amounts where I received over {$10000.00} in cash advances. All they did was to write back to me in a letter dated  XXXX / XXXX /  XXXX  , stating that the amount was correct. I never took out that amount in cash advances, and if I am not correct, I ask that they give me documentation showing where I did.
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

In  XXXX  I was shopping wh en my   XXXX   XXXX   debit card was declined. I reviewed my account on line and identified several transactions which were not mine. I notified   XXXX   XXXX   i mmediately, the card was cancelled ( and a new card issued ) and I was assured I would not be liable for the charges put through.    XXXX  of the charges were associated with   XXXX   transactions. I do not have ( nor ever  had )  a   XXXX    account.  <P/> Today (  XXXX / XXXX / 17  ) I received a debt collection notice fro m Transworld Systems , Inc. I hav e never received a bill or any prior notice. Demanding payment for the  XXXX  individual charges of {$13.00} each plus fees for a total of {$44.00}.  <P/> I dispute this debt. I did not use  XXXX , have never had a  XXXX  account and am unwilling to pay for charges generated by a criminal who obviously hacked my card.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

These accounts were all in default with 120+ lates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ... .Yet, I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Hi. I had filed my taxes for 2016 online and was told I owed XXXX {$210.00}. I made an agreement to pay the total and even made a good faith payment of {$25.00} earlier this week. I was assured by the IRS that all collection efforts would stop and I needed to make the final payment on XXXX. Today, I got a notice that a public record was placed on my credit report by the NY State Country clerk for the entire amount of the debt. I contacted the IRS and they explained that the credit bureaus must have sent someone to review the public records to add to consumer credit reports before the country clerk got notified and that is why it is on my credit report.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Transunion is reporting a bankruptcy on credit report 11 years after bankruptcy filed. Bankruptcy reported on   XXXX    XXXX    comments and even though no bankruptcy on public record they refuse to remove it. Have disputed with  XXXX  and transunion for 6 months.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/2017    Bank of America Complaint with CFPB I talked with  2 re presentitives with bank of america on the date shown above. I have a credit card with the company. I am currently going through an economic hardship. I informed the representitive initially that at points in time i was having trouble with basic living expenses. I was informed that Bank of America was not able to do anything for me. I asked to speak with a supervisor named  XXXX  at BOFA. He asked about my income and asked me if i was able to afford basic living expenses. Isnt it embarrassing enough having to tell a complete stranger your struggling putting food on the table. He informed me he was unable to set up a payment program with me and informed me that I should miss my payment on my credit card so I could buy food. You would think, logically, that if a person was struggling so bad and had a hard time paying for basic living expenses that BOFA could have helped in anyway. You know what the answer was? NO. They told me to skip my payment, get a late fee, and  XXXX  up my credit so i could buy food. They didnt do a  XXXX  thing for me. They dont give a  XXXX  about their customers. They dont care about their customers well-being. They dont understand what struggle is. All they know is how to literally  XXXX  people with interest and fees. They didnt help me at all. The policy they have at BOFA is horrible. Once I pay off this credit card with them i am never doing business with them again. I wanted to inform the CFPB of this matter because if someone is going through a struggle and BOFA knows you are having trouble paying for living expenses, they wont help with any payment options. They will literally tell you, *sorry there 's nothing I can do f or you. * T hanks a lot Bank of America for nothing.
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AZ)

I have contacted  XXXX   XXXX   XXXX  over the pas t 3years. I h ave been trying to get the bill they are claiming I owe of {$790.00} taken care of. I contacted them because In  XXXX  when I had the Debt It was paid off and I returned equipment.  XXXX  the item is still reporting on my credit report as I have multiple time tried to inform  XXXX   XXXX  I dont owe this debt. The account i s currently with Enhanced Recovery Corp. I hope you are able to help me with this old high amount debt.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

I have had NUMEROUS calls from my mortgage company, Wells Fargo whom I 've been a good loyal paying customer with for over 10 yrs. I got laid off from my job that I had when I applied for the loan. Shortly afterwards my husband passed away. I 've struggled ever since then. Wells Fargo  knows all this, I called to let them know. I got behind on some payments last year but got caught up. They did nothing but harass me the whole time but I let it go. I got behind  1  payment in  XXXX  last year and again they 're harassing me by phone because I 'm still behind. I 've had numerous calls from them day and night and while at work. I work with the  XXXX  in their homes and I was getting calls from them in front of my clients. I got approx.160 calIs since  XXXX . I do n't have exact number of calls but I do have phone records since  XXXX   XXXX  of this year, which I can definitely say I 've ha d 28 c alls since then. This has been going on for almo st 6 mo. B efore all this happened to me I never ever missed a payment. Also I 've been making over and above the normal payment to get caught up and I told them that but they wo n't stop harassing me. I can provide proof of harassing calls and proof that I 've paid extra to get caught up, upon request.
Consumer complaint received 2017-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IL)

My problem is with the servicer of my mortgage loan , LoanCare. I r efinanced into an FHA adjustable rate lo an two yea rs ago with  XXXX   XXXX   XXXX . The loan was then transferred to LoanCare. About a year ago I began having some   XXXX   health issuesmy  XXXX  flared up and also I was diagnosed with  XXXX . I had to be hospitalized to remove my  XXXX . I have been   XXXX   for the past 12 years working in asset recovery. When this happened, I was unable to work for several months and not able to collect any type of workmens compensation or insurance to make up for my lost wages. As a result, I fell behind on the mortgage loan.     At that time  Loan Care se nt me letters stating that they wanted to help, they understood, and when I called in their employees acted as if they were genuinely concerned and were ready to work with me to fix this problem. Unfortunately, the exact opposite has occurred. At first I had a single point of contact, but now  LoanCare ha s changed this contact multiple times. My documents are sent and re-sent, then I am told they were never received or misplaced and I need to send them again. I have never actually been reviewed for any assistance options, and I am falling farther behind. I dont know why I have not been considered for any of the FHA programs that I know exist for homeowners who have suffered a true hardship resulting in loss of income.       I am healthy again and working full time and my live in girlfriend works full time as well and contributes all of her income to our household. If LoanCare were to actually take the time to look at our financial information they would see that we qualify for assistance. I know that there are multiple programs available for homeowners with FHA loans -- -modification, partial claim, forbearance agreement or even repayment plan. I want to know why LoanCare has not given me a chance to be considered for any of these programs? I want to know why LoanCare is telling me I have to reinstate my loan in full or I am going to foreclosure. I want to know why my point of contact has been switched multiple times.
This is an avoidable foreclosure, but the longer Loan Care drags it out the further behind I become. I am certain that LoanCare is required to review me for these government programs but so far that has not occurred and I want to report LoanCare to the CFPB.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

On my request, Experian sent a notice tha t one of  my accounts,  XXXX   XXXX   XXXX   XXXX , had been updated on  XXXX   XXXX ,  XXXX . It is clear this was an automated update and not via human review. Any person of reasonable senses could see the payment history is incorrect. It is not possible for an account to show late payments once it has been charged off, then show charged off again. That is exactly what  XXXX  's payment reporting shows. No other credit reporting agency has this error.  XXXX  solely has caused me financial loss, including the loss of a home purchase last month for which my underwriter sited this specific issue as the reason for my not getting the home ... that is now sold to someone else.     Specifically, the account was originally charged off in  XXXX  of  XXXX . The updated reporting shows that event correctly BUT then shows the account 180 days late starting  XXXX   XXXX  through  XXXX   XXXX , THEN shows the account as charged-off AGAIN starting in  XXXX   XXXX . This is causing my underwriter to view the file as just charged off this last  XXXX  rather than the actual date of  XXXX   XXXX , almost 5 years ago. In addition, the account is not showing a  XXXX  balance which is required on a charged-off account.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I have submitted this before and the Bank of Am erica Response ne ver address the issue.     Bank of America practiced " deceptive lending ''. They offered mortgage modification help to homeowners then kept asking for paper work like it was a numbers issue. They did turn is down in the beginning but then went on to say we could reapply. Then for the next 7 years asked us for more and more resubmissions, and paperwork. We updated bank statements, profit and loss statements, income. All the while we found out 6 years later they had no intention to modify.   They have never addressed this. I had to ask the rep face to face " were you ever going to modify? have you ever modified " she said " no ''.   This is not what the bank is they are there supposed to be there to help us.   Full disclosure and honesty.   we originally applied  XXXX   XXXX  . 1st d enial with the advice to reapply summer of  XXXX .   Bank of America put in foreclos ure  XX/XX/XXXX - XX/XX/XXXX . Ta ken out of foreclosure and more than 6 years later told no modification. They led us to believe that they were working on it. It was always at the desk of some being worked on. We showed up for meetings that no one was there for. It has been 7 years of deceit. We have tried HAMP but if you are more than 1 year behind in payments you are not qualified.
Consumer complaint received 2017-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JP RECOVERY SERVICES, INC. (MD)

I recently received a collection notice fro m JP Recovery Services f or  XXXX  and I had never received a bill from the company in which this entity is claiming to be collecting for.  <P/> This is a medical claim and I also feel that my HIPPA rights have been violated.
Consumer complaint received 2017-06-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have  applied to Wells Fargo  numerous times for a loan modification over the years. I have never received any assistance each application for assistance is met with a new reason why I do n't qualify. However, in a letter dated  XXXX   XXXX , 2017, from  Wells Fargo  bank which I received on  XXXX   XXXX , 2017, they are notifying me that my payment will increase by {$1000.00} beginning  XXXX   XXXX , 2017. There is no way I am able to keep my home with this increase, furthermore, I have less than 30 days to make these changes.   The Califo rnia Civil Code  states that I have to have at least 60 days notice to accommodate such a increase. C CC 1916. 6 1916.5 1916.8 and 9.
Consumer complaint received 2017-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

I had a plan to pay my loans every month for a certain amount, I 've done that. I always make my payments and yet they tell me I 'm late charge late fees call Day and night call family that does n't even have their names on the loans. They harass me all the time, they text me with fake information to try to get me to call them they call from random numbers with lies about things to trick me into call them. I had an agreement with the company from the start I have proof to show this agreement. I 've called them I 've emailed them, at first they acknowledged this and they stopped then they started all over again. My payments are n't even being applied to my loans I just get charged late fees every month even though I am paying every month. This company is stealing from me and other people and they do whatever they can to get money.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (LA)

I contacted Enhanced Recovery Company on my own to pay a debit. They told me that I could pay {$1000.00} for a pay and deletion. Upon the last payment the following month they tried to continue to draft my bank account I stopped the payment, because I already had satisfied the agreement. The original debt is {$1400.00}, I paid {$1000.00} which is a {$340.00} difference. This collection now shows on my report as closed with a {$500.00} balance, this company did not keep the agreement in which we established over the phone when I called them to satisfy the debt. I would like this closed collection removed from my credit and a letter from them stating this debt is PAID.