davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I froze my credit with acknowledgements from all 3 agencies XX/XX/XXXX, I did not authorize this credit monitoring service, Trans Union refused to surrender any and all information about this credit monitoring to be in accordance with FCRA 609 ( e ). Here is what on my credit report : XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : CREDIT MONITORING Permissible sure had I done it, but I tried to sign up for the OPM hack using XXXX XXXX and was told I had to lift my freeze so they could access it, I decided to leave it frozen being so XXXX thinking FROZEN would only allow companies I had an exiting relationship would be allowed to access it. Not some free or cheap service they offered and XX/XX/XXXX was forced to repay customers almost {$14.00} million and the fine FTC imposed of {$3.00} million for XXXX XXXX XXXX XXXX shady advertisement scheme. I submitted enough information to support my ID theft when I froze my credit, Trans Union and I got into another wizzing contest over the illegal access of my credit report on XX/XX/XXXX, which allowed the criminals access to enough PII to take over my bank accounts which lead to a call at XXXX XXXX Sunday XX/XX/XXXX alerting me to the takeover only cause the criminals tried to send funds to the XXXX. Trans Union Litigation Support Department XXXX XXXX is claiming FCRA states it 's illegal to give a victim the info under FCRA 609 ( e ). Are they really that _____ XXXX? I used a cover sheet that clearly referenced FCRA 609 ( e ), in my emails I stated it, in my phone conversations also. So there is no doubt other than they know they violated FCRA by allowing access to my report by criminals and hoping I would not know there is civil damages due to their actions. I want, no demand that the information is turned over we are WELL past the 30 day limit set forth in 609 ( e ), my next request for assistance will be to my VA senators. I hope everyone understands my stance on this issue, they are more than happy to sell my PII/credit report even while frozen. They admitted on XX/XX/XXXX, they had a gap in their policy/procedures that allowed this to happen, well no _____.
Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (OH)

On XXXX XXXX, 2017 my wages began to be garnished without any prior notification written or by phone. I had no idea who it was that was garnishing my wages, but after searching I found out that it was Great Lakes Financial. After discovering this I got in contact with them. They told me that in order to stop the garnishment I needed to send them last years tax information. I sent in my tax information on XXXX XXXX, 2017 but I also informed them that it was not an accurate representation of my family 's current situation, as we now had an additional dependent in a XXXX XXXX and also that my wife was no longer a full time worker but a part time worker and that she had been on XXXX leave for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX) and had received partial pay during this time and no pay toward the end of the XXXX leave. They never took this into account during there calculations. On XXXX XXXX, 2017 I set up payment plan for my student loans. It was discovered that I met the financial requirements for hardship at XXXX XXXX monthly payments. They did n't tell me that even with me making payments that they would not remove the garnishment. XXXX XXXX, XXXX I submitted more financial information and how the wage garnishment was effectively putting my family of XXXX in to red to the company, to which they acknowledged but said I would have to continue to pay the hardship rate of XXXX XXXX monthly for 5 payments and continue to have 15 % of my wages garnished. The company said that  even though my family was in hardship they would not remove the garnishment. I do n't understand how it is that my family qualifies for hardship but is still be expected to pay for the loan and have wages garnished each pay check and survive. It has become a struggle to even afford baby formula and we are falling behind on our bills. I feel that I was mislead especially in the beginning of the process and given incomplete and incorrect information, Great Lakes seemed uncaring of the financial situation my family is in, even going as far to say that in order for them to address the situation i need to send them an eviction notice. I understand that i am responsible for the loan and I plan to repay it. If I had received notification I would have addressed this issue sooner. I feel the stain that has been put on my family by the current payment is n't sustainable and is unnecessary. I also filed a XXXX ( XXXX loan forbearance form ) which I should be covered under but have n't gotten a response.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one closed my accounts ( two accounts ) after having a returned payment. This was the first and only returned payment I have ever had. This returned payment was because I tried to make a payment from my savings account instead of a checking account, which I did not know would be a problem. Capital one did not reach out to me or contact me in anyway before closing my account. I called them and was told my account was closed due to multiple returned payment issues, however they confirmed that was the ONLY returned payment issue they had on my account. Also they closed my other account that was n't even the account I made the payment on. I was told by a supervisor that these are reviewed by fraud and fraud department researches and makes contacts before closing accounts, however I was never contacted by anyone. Capital one has advised there is nothing they can do at this point and can not reopen an account, but instead offered to assist me in completeing an application for a new account. I spoke directly to their fraud department and they comfirmed they were unsure why it was closed based only on one returned payment. The rep offered to open an investigation to get further details and see if it could be reopened. She advised she would personally call me back within a few days, I have not heard back from her. This has negatively impacted me because a closed account is a negative impact on my credit report. It seems as though they are using this as a loop whole to close accounts, which will negatively hurt people and then get them to sign up under a new account. Having a closed account looks bad on a credit report and it also shortens the length of time for account history. By them trying to make me open a new one, that would make my account history start over.
Consumer complaint received 2017-07-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP (FL)

The car was a lemon When it was first brought they would not let my mother return the car. After a month the check engine light came on the car starter altnator and kept running hot after fixing the car numourus times. PFS than said to Voluntarily Deposed it. That 's the only way they will sell it back .The car was than sold in a auction but bc of it bring a lemon it could not get the full amount on it which was never my fault
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I went to cash a check. I was informed that my account was closed and could not be reopened. The banker at the bank stated he had never heard of this before. So he called and the informed him and myself that the cut ties and there will be no reason give because they have that right. He asked fir a supervisor and they stated the same and told him to cash me out my balance. This happened on XXXX/XXXX/2017. I need assistance please.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (KS)

During the year XX/XX/XXXX, I opened a Chase Premier Checking account with Chase Bank. I asked about safety deposit box and was told that, because I am a veteran of the US Armed Forces, I would receive a safety deposit box at no charge. This fact was supported on page 4 of 7 on the agreed upon contract, and there were no trial periods or " demo trials '' attached to that free deposit box. I was told, verbally and in writing, that the safety deposit box would be free of charge. I was, for five years, never charged a dime for that benefit. Approximately two months ago, I received a bill in the amount of {$57.00} for " box rental ''. I never received in any way, shape or form any notice of any policy changes. In fact, on the night of XX/XX/XXXX, I received a message from a Chase online account representative that Chase " will charge what we want, when we want, to whomever we want, without notice. '' This is a willful and blatant breach of contract, undoubtedly by a company that believes that vets are too XXXX to stand up for themselves.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KS)

Received notice from checking my credit report on XXXX that I owed a bill to XXXX  XXXX collecting for XXXX XXXX in the amount of {$700.00}, I have previously had this debt removed that was sent to several other collection agencies by XXXX & had explained to them that the account they were inquiring about was not mine but was my mother in law 's cable / internet when we lived with her, was not discharged properly due to us being evicted from her residence & having a guardian put over her finances & estate
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I was accessed a {$39.00} dollar fee on XXXX/XXXX/16 " Fee Overdraft ( XXXX At {$39.00} ) |eNotice - {$39.00} ( with a balance of {$510.00} ) that I did not understand as balances on either side of that date, as listed in my online acct page, were above the amount required. I went into a branch and though, cust. service women could not say and instead called " someone in back '' as " they see things in a different way '' quote. Say what? I thought our online view was actually what was happening in real time and the whole point of it. 

The charge the " backroom '' people stated overdrafted my acct. was due to a co. that was given my debit card info. by another co. by the name of XXXX that I had to use in order to book a campsite reservation. I read ALL notes and forms and alerts and info for that site which was super convoluted and packed with choices and dropdowns and mandatory responses about camping and personal info. & payments etc. What came later was lots of spam from this other co. called ACTIVE XXXX XXXX XXXX XXXX, Texas XXXX Their charge showed up DBT Purchase XXXX Tx XXXX ( 3 ) weeks after the camping was long over and is a membership I never signed up for and never opted out of because I never read their spam mail in the first place. I did all the research myself. I thought maybe would have had a little more help from the bank. She stated that it seemed legit or from a swiped card and that since the co. listed a phone it was probably not a result of illegal usage but it actually WAS! 

Best, Thanks! 
XXXX
Consumer complaint received 2017-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

I took out this {$300.00} loan in XXXX 2017 and have made the first 3 on-time payments. I got fired from my job and am no longer able to make those payments. I 've discussed my dilema and theh have continued to threaten to keep calling me and my family. I sent a cease and desist letter on XXXX XXXX, 2017 and they have continued to call me and my family. I agree that I owe the debt, but at the moment I do not have any funds to pay it. And no longer live in the area due to an eviction, so I can not come in to speak with someone. I 've spoken over the phone and via text.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

When applying for loans ; many times multiple inquiries are made by auto dealerships to secure financing for customers. These inquiries should work like debit card transactions where the inquiries are made and the one that gets to remain on the report is the one that secured the financing. The inquiries stay on a persons bureau for two years and while they minimally affect one 's score ; it can make consumers look desperate for financing when in fact, the merchant was trying to secure the best rate for the consumer.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX mortgage that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( XXXX )
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (SC)

I had a mortgage with Chase Mortgage. On XXXX XXXX 2013 I sold this property.Then Chase has reported to the credit bureaus as a foreclosure started. Chase refuses to remove the XXXX status on my credit report. Even though, the account has been paid in full as of XXXX XXXX 2013
Consumer complaint received 2016-07-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

received call at XXXX on XX/XX/2016 and the television caller id identified the caller as Portfolio Recovery XXXX had called /but on the voicemail did not leave a message could not call back as long distance and can not afford/I am XXXX /another XXXX person lives here as well
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (GA)

Chase Cards allowed for XXXX fraudulent credit cards to be opened in my name that was obtained as a result of identity theft. The account numbers for the accounts that Chase allowed to be fraudulently opened in my name are the following : XXXX XXXX XXXX These are not my accounts and Chase Cards have been contacted and been provided copies of my police report, identity theft affidavit, and they have still refused to act in accordance with the law and the FCRA by closing these accounts out of my name and by removing the derogatory information they have placed on my credit file. Chase continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in XXXX and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Consumer complaint received 2017-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

The Heloc in question was established in XX/XX/XXXX with a 10yr maturity ( XX/XX/XXXX ) and interest only payments. The amount is {$82000.00} and there are no allowed advances. I had issues paying in XX/XX/XXXX when my wife lost her job but we were able catch up and get current. We have been current since and in 2nd half on XX/XX/XXXXXX/XX/XXXXalthough I made monthly payments every single month, unbeknownst to me the payments were short and they reported late payments to the credit agencies. The company rather than applied the payments to interest they decided to apply to principal. When I realized this in XX/XX/XXXX I quickly remediated the problem coming current with multiple payments in a span of 3 months. The loan was current as of XX/XX/XXXX when I requested a loan modification on XX/XX/XXXX. My understanding was that they were going to simply extend the loan given the maturity of XX/XX/XXXX. At this time we are in the process of relocating to florida for my job and my wife is without a job given the relocation. Since my application and after providing all the documentation the servicer requested byXX/XX/XXXX I have not receive any written ( fax or mail ) details with the decision on my loan modification. When I call to inquire about the decision I was informed that I will be paying {$2400.00} by XX/XX/XXXX and then {$850.00} the remaining 6 months. This is 10x my regular payment on 1st pmt and 3x there after. This not have the feel of a loan modification. In addition to make things worst I was informed that my credit report will be reflected negatively even if I make the outrageous payments they are requesting. At the moment all we are requesting if for an extension of the maturity date, to continue to make the Monty payments as we have been for the last 10yrs and to properly reflect payments to the credit agencies. In addition proper communication is expected. It 's been 2weeks since XX/XX/XXXX that I 've asked for details on the program and information on the investor. Both times the turnaround time for an email or fax is 3-5 days and it never gets done. I do n't know what the large payments are for or details behind the trial period. I need help speaking directly with the investor to come up with a reasonable course if action without affecting my credit reporting. At the end of the day I 've made all my payments to this loan and I 'm simply requesting an extension. XXXX XXXX XXXX
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK (MO)

I recently received a mailing from Commerce Bank that stated " {$300.00} cash bonus for opening a new Commerce Bank checking account, when you establish a recurring {$500.00} minimum direct deposit, with two deposits within the first 90 days. '' I opened the account within the allotted time period and followed every procedure as requested. My statements show the repeated direct deposits. <P/>Initially I had a very hard time just getting online, it took several weeks to fix a glitch in their system just so I could view my account online even though it was funded the day I opened the account. After two months or so I asked when the deposit would be made, they said after the account had been opened for 90 days. During this time period I had a hard time logging in so I called the online banking and asked what the problem was. They said that since I had written a check for all the funds in the account to another bank they had closed the account but it was automatically reopened on my next direct deposit. I asked the customer service representative why they never told me that they would close an account when a balance reached XXXX. I have had accounts at dozens of separate banks over the years and never had any of them close an account because of a XXXX balance and that I should have been informed of such a policy. I also asked if it would affect the bonus I was promised and the individual said no, it would not affect the bonus and I would still receive it. I called back again in XXXX and was told that I would be paid in during the third week in XXXX. I called after the third week in XXXX and was told it would be after the end of XXXX. Still there was no {$300.00} bonus. I called the bank branch I opened the account with directly again in XXXX and the lady I spoke with said she would research why there was a problem and contact me again. She called me back and said they input the bonus code wrong when I originally opened the account but said they had fixed the problem and I would see my bonus within a week. I received a phone call today, XXXX XXXX and was told there was no bonus because the account balance had gone to XXXX at some point. I stated that this was never a requirement, the only thing was that there be {$500.00} or more in monthly direct deposits. I asked to speak to a manger but was told he was busy and he would call me back. I waited all day and never received a phone call. <P/>Dealing with this bank has been a nightmare, all I want is what they promised me, the {$300.00} bonus.
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Kross, Lieberman & Stone, Inc. (GA)

An agency named Kross, Lieberman, & Stone have fraudulently stolen {$950.00} from me and I want my money back. Kross contacted me and claimed that I had an unpaid debt which they were trying to collect. Kross used the false name of XXXX to steal my personal information and made a false settlement agreement with me. Now an agency named XXXX is claiming I owe them and I have a balance of {$800.00} plus that I owe them. This is a lie. Kross appears to be a criminal organization that steals from consumers who are trying to do the right thing. Under that settlement agreement I DO N'T OWE XXXX ANYMORE MONEY BECAUSE I PAID THEM ACCORDING TO THE SETTLEMENT AGREEMENT. AND THOSE XXXX CREDIT BUREAUS ARE HOLDING ME HOSTAGE BUCAUSE OF THIS FRAUDULENT COMPANY CALLED KROSS, LIEBERMAN, AND STONE.