davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted TransUnion on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the TU inquiry issue. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX   ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Back in XX/XX/2016 I received an offer via mail for the XXXX XXXX Card and it appeared as a good deal with low interest rates. But once activated the company hit me with undisclosed fees and upon trying to close the account the company would not allow me to. But rather continued to charge me their fees and not allow me to close and to this day report negative info to my credit reports. And now they have also sold account off to a collector named XXXX XXXX XXXX making it even worst and Then when I filed the first complaint with CFPB they stated that the account is not theirs, but yet they continue to send me statements wanting payments. I have also filed a Complaint with the State Attorney and the Florida Office of Financial Regulation.
Consumer complaint received 2018-02-03
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: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I MADE A PAYMENT OF {$800.00} FOR MY CREDIT CARD HSBC ( XXXX XXXX ) THROUGH MY XXXX CHECKING ACCOUNT. XXXX XXXX TOOK OUT {$800.00} FROM MY CHECKING ACCOUNT ON XX/XX/XXXX. I CALLED XXXX XXXX  ON XX/XX/XXXX, THEY DID NOT RECEIVE IT. HSBC HAD VERY BAD CUSTOMER SERVICE.MOST OF CALLS GOES OUT OF USA. ONE CALLS TAKES MORE THAN 30 MINS. XXXX XXXX   EMPLOYEES DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER. HSBC HAD DONE SIMILAR MISTAKE EARLIER ALSO.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX, and I have Freedom Chase Credit Card. I called Chase about 2 months ago asking for an adjustment on my payment plan because I lost my job in the past and was unable to make payments on the due dates for a few months. Well now I'm stable and so I requested a new payment plan and due date. The customer service representative SAID she was able to set this up for me, and put me on a new payment plan where my credit card bill would be due on the XX/XX/XXXXof each month, and if I paid {$300.00} for XX/XX/XXXX and XX/XX/XXXXmy bill would go down to {$200.00} a month by XX/XX/XXXX. Little did I know this request was never actually put into action. Late fees started piling up, and the promise of the new plan wasn't fulfilled. I called Chase again after that after seeing my account of the late fees and the unchanged due date. The customer representative said it would be taken care of. I then call again two other times to see if it has been changed, and they reassured me it would be. Well, today, I look at my online credit card account and it still hasn't changed. They never even took the continuous late charge fess off for the last 2 months that aren't suppose to be there if they fulfilled their payment plan promise. No matter how many times I call nothing is changed or anything.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates claims it purchased an old debt from XXXX XXXX. Despite request, it has not provided legally sufficient documentation that it owns my debt. It has provided some documentation concerning my account, but has not provided any documentation of ITS OWN OWNERSHIP of my account, and therefore, it can not show that it has any right to put a negative entry on my credit report. I've requested that this entry be deleted. It refuses to delete the entry.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the incorrect address currently listed on my credit report. The addresses that are attached to document is not associated with me, and I kindly request its removal from my credit file. 

Please find my correct address below for your records : XXXX XXXX XXXX XXXX, GA XXXX I am enclosing a copy of my bank statement. I appreciate your prompt attention to this matter and look forward to your confirmation that this incorrect information has been removed.
Consumer complaint received 2018-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AL)

I filed for Loan Forgiveness on XX/XX/XXXX with XXXX. On XX/XX/XXXX, I adjusted my payment plan to a Pay as You Earn ( PAYE ) plan, per the requirements of the Loan Forgiveness program. An additional requirement was that my loan servicer became XXXX. I filed all of the appropriate paperwork, and was told that, after switching to an income-based plan, my monthly payments would be {$220.00} per month. My loans were then transferred from XXXX to XXXX and I began my monthly {$220.00} payments on XX/XX/XXXX. On XX/XX/XXXX, I re-filed my Income-Driven Repayment plan request ( IDR request ) for the Loan Forgiveness program with XXXX ( and nothing about my income, employer, residence, etc has changed ). I was told that, based on my income level, my monthly payments should be {$10.00} per month, beginning XX/XX/XXXX. I contacted XXXX Customer Service Department on XX/XX/XXXX to inquire about why my monthly payment has drastically decreased despite nothing about my employment or income has changed. I was told that I should have been paying {$10.00} per month all along, and it must have been an " error '' from my previous loan servicer, XXXX. The gentleman from XXXX told me that, XXXX must not have had all of the information to complete my PAYE request on XX/XX/XXXX, although I received confirmation of my request from XXXX, and that I had been paying the standard payment. I also have no record of being informed that XXXX could not complete the IDR request and were therefore doing to change me to the standard payment plan. The gentleman told me that XXXX could not reimburse me for my excessive payments for the last year because they charge what my previous loan servicer told them to charge.
Consumer complaint received 2018-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc. (NV)

On XX/XX/2017, I sent a certified letters to Sentry Recovery and Collections, asking them for debt validation of the accounts as I never received any bills prior to the debt hitting my credit report, in the sum of {$450.00}. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. It's been more than thirty days and I haven't received any written validation of the debt. 

Under the FDCPA Section 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this sub chapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2018-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

RE : Complaint # XXXX filed with CFPB on XX/XX/2017. 

CFPB closed my complaint in error after receiving a response from Wells Fargo in error. The response provided by Wells Fargo only provided information regarding the terms of the HELOC. The concerns provided in my complaint were not addressed. 

The subject of my complaint were not addressed in their response. My complaint referred to payment installments of XX/XX/XXXX and XX/XX/2017 where the entire payment was only applied to principal. In reprocessing these payments, serious errors occurred and they said the XX/XX/XXXX payment was pass due by 23 days and that the XX/XX/XXXX payment was still due. Wells Fargo also notified the credit bureaus of the past due amount. Refer to the information initially provided in this complaint. 

Please either reopen the original complaint ( above number ) or open a new complaint to address the errors and issues by Wells Fargo that were never addressed in their response.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a business account with Bank of America and on XX/XX/XXXX they charged me a {$35.00} NSF fee for a {$9.00} transaction. When I logged into my business account there was a balance of {$18.00} which was enough to cover the {$9.00}. So when I logged into my account the next day there was a NSF charge for the transaction. 

I called Bank of America on XX/XX/XXXX and asked why was there a {$35.00} fee. The representative and the supervisor that I asked to speak to me told be that there was a hold on money in my account from XXXX and XXXX. He said XXXX had a hold on the money for 5 days. I asked them that if there's a hold on the money then why is it showing an available balance of {$18.00}? How am I supposed to know that the money is not available? The supervisor basically told me that it's my responsibility to know what is coming out my account. I was done with the supervisor and hung up the phone.
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (UT)

I recently noticed a collection company reporting on my credit. I have never received a notice regarding this nor do I know what it is. Midwest Recovery System is reporting on my credit for original creditor XXXX XXXX XXXX?? I am unaware of either of these companies. 
It is from XX/XX/2011 which, for one is past the statute of limitations. For two,  how can they just report on my credit without first sending notice and this isn't mine!
Consumer complaint received 2018-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WV)

Out of the blue, I started receiving many many calls from a company I did not ever heard of. The person on the phone spoke broken English so thinking t his was a scam, I kept hanging up. Months later, I received a harassing call telling me my student loan was going into default if I didn't start paying. I asked where the person was calling from and was told The XXXX. I asked how and why he had my information since I am a US citizen who attended school in the US. I have no idea what he said since I could not understand him. I gave him my banking and routing information so that payments could be deducted monthly. I looked at my bank statement and saw nothing was deducted. I called Navient, I was told this was the name and asked why payments were not being deducted. The csr stated the information was applied incorrectly so he took down the banking information again. Again, nothing happened and now I have been reported to the credit bureaus for late payments. I called Navient very upset but nothing could be done I was told. I immediately began looking for another lender and found XXXX XXXX. I am beyond upset. I was paying a company out of my own country that had my private information without my consent who could not communicate clearly in English who reported me to the credit bureaus when I furnished the information. I wirk for a non-profit organization and this was not considered when assessing the high payments they expected me to pay.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :XX/XX/XXXX
Consumer complaint received 2018-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

XX/XX/2018 XXXX  app has user that scammed me today {$250.00}. She listed an iphone for {$250.00}. From the app She blocks me after she picks up the money from XXXX XXXX XXXX XXXX at indiana. Her real name is XXXX XXXX. This is the money reference number XXXX I sent it through moneygram from CVS on  XXXX XXXX XXXX XXXX Florida. Please investigate her for me. She blocked me from the app when I called moneygram they said she already pick up the money from a local store around XXXX central time. It's too late can't do nothing if they have the XXXX XXXX info they could contact the police in the area regarding the scam today because this person do the same to another person like me
Consumer complaint received 2018-02-03
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was sold — 
Company: CASH AMERICA INTERNATIONAL, INC. (IL)

Cash america employees at this location in XXXX Indiana have knowingly and purposely altered account records so that I would lose my personal property and investments into other property. The company has allowed its representatives to create multiple accounts that have been misleading and confusing to keep up with payments. Coming into the location in person with my ID has been a constant struggle as several employees have purposely lied to me or missed providing me with loans and layaway payment amounts and due dates. This has been maliciously and continuously done for a substantial amount of time. I have lost hundreds of dollars of property due to errors made by associates at this location. The company has taken retaliation against me for bringing complaints to the store in which the district manager has refused and failed to resolve. Recently the store has damaged a tv i bought from a layaway. Due to such a hostile environment I have had a family member in Indiana to come into the store to make my payments on my behalf and after one payment was made I have now been informed the store is demanding that thousands of dollars of merchandise be taken out without any further extensions given. This was told to me to be approved by the corporate offices of cash america. I have filed a small claims which will be moved to a district court being that there is a pending class action lawsuit against this company for the same type of negligent and illegal loan practices by this company to a multitude of other clients. There is a company representative at this hammond location that has on every occasion I have made against the company tried to move me out of the store by either lying about prices of merchandise and providing false information to talk me out of sales. I have tried to resolve such said matters with the company for a substantial amount of time and the company has refused. As a XXXX individual the company has allowed and encouraged its employees to take advantage of me which has cost me thousands of dollars in property value loss.
Consumer complaint received 2018-02-03
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)

cra violation, idtheft report, po report inaccurate information reporting best of my are not mine ( knowledge of accounts ) are unaware XXXX breach has cost me my life
Consumer complaint received 2018-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (PA)

My Td bank debit card was charged for Unauthorized items. 

{$22.00} on XX/XX/XXXX XXXX  {$130.00} {$210.00}. On XX/XX/XXXX. XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX I purchased an item from XXXX XXXX for {$32.00} on my 1240 mysynchrony card. Unfortunately the sales person put this on a " DEFERRED-NO INT IF PD IN FULL '' which meant that the payments would not be made automatically like my " EQUAL PAYMENT NO INTEREST '' purchases. 
I contacted mysynchrony that I wanted to pay off the {$32.00} amount. They responded on XX/XX/XXXX " Once your payment has posted to your account you may contact us at XXXX or via the Online Messaging CenteXXXX and we will be happy to apply your payment as requested. '' On XX/XX/XXXX I wrote to the bank that my payment had posted and again repeated the specific payment to the {$32.00} purchase on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX  responded " Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. '' However XXXX XXXX did NOT pay off the {$32.00} payment but rather applied my {$32.00} payment to my entire balance reducing my next payment of {$730.00} to {$700.00}. That payment should not have been changed since the {$32.00} was to have been applied ONLY to the {$32.00} purchase from XX/XX/XXXX. 
The result is that I may now incur interest payments on the {$32.00} as this amount was not paid off as I specifically requested in writing.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am attempting to open an account with XXXX XXXX for a XXXX business checking account and I was declined. I requested the report from XXXX  and I have a derogatory report that shows no information of how it was closed. I closed my Bank of America account on good terms and it was due to questionable fees, many that were waived. I have since received an additional repayment due to a class action suit against BOA with regard to their fee structure. The original charge amount was {$530.00} and the closure status is " Not Reported '' on the XXXX report. My additional repayment amount was between $ 50-100. 

I want to resolve this as efficiently and effectively as possible to proceed with opening up the account for my business in next month or two.
Consumer complaint received 2018-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NY)

I purchased a vehicle from a XXXX dealer through help from XXXX XXXX nearly two years ago. Just today I realized I was paying roughly 60 % interest on the loan monthly. I am paying XXXX dollars interest on a monthly payment of XXXX dollars. This is the highest rate I have ever heard of. I was unaware that this was going on. I don't know legally what to do.
Consumer complaint received 2018-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NH)

On Thursday XX/XX/XXXX I mailed a check to payoff my vehicle. I included an extra day of interest, whereas they would not receive the payment until XX/XX/XXXX. 

At XXXX XXXX in  California on XX/XX/XXXX they received the payment, and I have confirmation from the USPS in regards to who signed for it and at what time Westlake did not apply the payment until the XXXX and are trying to charge me a daily interest rate of {$7.00} On XX/XX/XXXX they were showing that I owed {$29.00} and I contacted them. I was told that the matter would be taken care of in 24 hours. On XX/XX/XXXX they are showing that I owe them {$7.00} and it will continue to climb daily until they figure it out. 

The payment was received on the day that I paid them through, it is not my fault they did not post it immediately even though they claim that they post payments on the day they are received. 

Until this matter is resolved I will not receive my vehicle title