davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
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. (CA)

OK so one I do not have any kind of mortgage Im not sure whats going on with that .two I am not on any public assistance and if I am I would like to know what that is because I have not seen any money from it leaving me quite broke on top of that I cant applying for a loan because theres something going on about some consumer XXXX. I just really want to know was going on here so I can apply for a loan so I get live comfortably. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent the petitioner an " Affidavit of Debt Validation Letter ''. The petitioner continues to fail to meet my request to proof the debit and show original documents. They hired a lawyer and attempted to sue me for their claim.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am having issues with old addresses and information not current or accurate on my credit report. 
My name is XXXX XXXX XXXX My SS is XXXX My DOB is XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have had Equifax subscription for almost XXXX years. Earlier in XX/XX/2018 I made an attempt to log in and could not. I called the following morning and was informed to call to call back in two hours. I fell asleep and did not call back. During the week of XX/XX/2018 I made another call but could not be directed to a live person. On XX/XX/2018 I made another attempt and was told they were conducting maintenance and call back in two hours. It was that day that I subscribed to XXXX XXXX. On XX/XX/2018 in the afternoon I called once and was told maintenance was being done and to call back in two hours. On the morning ofXX/XX/XXXX I made another call was told they were conducting maintenance and to call back in 24 hours, In anger I hung up the phone. I called CFPB to file a complaint and was directed to file as I am in this message. This is peculiar activity, I am trying to cancel my subscription.
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I signed a lease for a student apartment in XXXX XXXX called XXXX XXXX XXXX in XX/XX/XXXX. I am a dependent of an XXXX XXXX military service member we got notice that we had to move to Washington State in XX/XX/XXXX, I then informed the property manager, XXXX, ( who doesnt work there anymore ), and he assured me hed take care of the situation. In XX/XX/XXXX I received a derogatory mark of collection from Pro Collect in the amount of {$8400.00}. I was also notified that a guy moved into the exact unit that I was supposed to move into in XX/XX/XXXX and he moved out XX/XX/XXXX. I quickly called the apartment complex and tried to resolve the situation the new property manager told me she couldnt do anything about it because she didnt have his emails or paperwork. I asked to get her boss information. I called the regional office XXXX XXXX XXXX and he told me he apologized for the inconvenience and to forward him the orders. I sent XXXX XXXX the orders and he suddenly stopped emailing me. I emailed him four times all of which I didnt receive any response. Then I left a few voicemail and even texted his cell number. Still no response, finally I decide to let him know I was going to take legal action and soon after I got a call from another women from the same regional office telling me XXXX XXXX forwarded her the information however she needed me to send he orders again, which I did - again. Then she told me that the military orders I sent were not the military orders we are used to seeing, which confused me because those are the orders everyone in the XXXX receive when they XXXX. So she informed me I needed to fill out a form, and has since not responded to any emails. I am growing frustrated because This has been a constant issue since XXXX of this year and no one is trying to help me.
Consumer complaint received 2018-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I had information removed from my Equifax credit report twice and they have sent notification that the information was being removed however within 2 weeks the information was placed back on my file.
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin & Rothman, LLC (NY)

The Petitioner XXXX XXXX XXXX  hired Rubin & Roithman, LLC and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.
Consumer complaint received 2018-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

Hello, I don't have a complaint, but more of a concern. I would like you to investigate the credit lending practices of a company by the name of One Main financial services. The reason I have concern is because they are mainly in minority neighborhoods and are consider credit rebuilding and low credit score loan company.

I applied for a personal loan after bankruptcy, ok they pride their business on putting your car up as collateral which can be fair if you have one to use. However, in my case my car is not paid off so they next alternative was a co signer.

I secured a co signer, the co signer had to co sign and use their car as collateral along with a 31 % interest rate whereas we both have decent scores.

I was told it was due to low scores which after checking the scores was contradictory to what we were told I would guess to add a higher interest rate.

If this is what they are doing to people of color in order to grant them credit, don't seem to be common practice and actually a legal financial scam to make a lot of money.

I'm requesting their lending practices be investigated in their personal loan lending 's.

Thank you I hope to refinance my loan soon, and leave this company due to unfair practices of using a co signer and her car for collateral was extreme, if it had been one or another it would have been more reasonable but both and my signature was over the top.
Consumer complaint received 2019-03-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC (NE)

There are repeated calls made from different phone numbers. I have tried to set up payment that are affordable but they refuse to work with me they want a bank account, or credit card which we don't have. they are contacting our place of employment and telling them that it is a legal matter and they are harassing them also which I have advise them that we can lose our jobs because of the calls they continue to do. the rep is always threatening legal action wont tell us anything blames everything on us will not work with us and is then telling us just before he hangs up good luck then. every time we talk to this rep he threatens us with legal action and will not setup any sort of payment arrangement. then the last voicemail I received was something about an nsf check I am not sure what that is but again he threaten to take me to court. there are to many dates to put in here they call all day every day and you can not block any of the numbers because they use different XXXX numbers to call us I only have a XXXX number to call back
Consumer complaint received 2019-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (CA)

Every single year since the mortgage originated ( XX/XX/XXXX ) my  escrow has increased by {$200.00} because the mortgage company isnt calculating escrow properly, or is not paying taxes properly. The first year my mortgage increased by ~200 in XX/XX/XXXX, then I got a refund for overpayment in XX/XX/XXXX of about {$900.00}. Then my mortgage jumped back up by about ~200 a few months ago, and once again I am getting a letter reflecting a shortage in escrow. My taxes have increased, but its insignificant compared to the increase in monthly payment. 
When I asked them, they said they paid the taxes incorrectly. This is a costly mistake for me, as the mortgage keeps increasing by {$200.00}! Is there any action I can take against them, as the unpredictability is not good financially for their customers, and feels unethical.
Consumer complaint received 2019-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

I sent a Monet gran transaction to my fiance on XXXX XX/XX/2019 to XXXX, XXXX. I got a message the transaction was successful and complete. However shortly after that I got another notice from MoneyGram stating the transaction was cancelled and a refund would be issued to the card used. I called MoneyGram and ask what was the reason and wasnt given a valid reason and I would have to wait XXXX business days to recive the refund. I feel like that is unfair and I need the money refunded immediately since it was cancelled so I can use another method to send it. XXXX XXXX # is XXXX dated XX/XX/XXXX. I request an immediate refund to my card.
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX, I contacted Chase XXXX XXXX customer service regarding the calculation of my minimum payment due. On XX/XX/2019, I transferred a balance of {$8500.00}. It was a XXXX percent balance transfer offer. I researched the minimum payment due calculation and per the cardmember agreement, the minimum payment is calculated at 1 % of the new balance, plus interest charges and fees ; therefore, I transferred this balance based on this information. I received my XX/XX/2019 statement. The balance was {$11000.00} and the minimum payment was {$560.00}. The minimum payment is definitely larger than the 1 % of the new balance plus interest and fees per my cardmember agreement. I tried to figure out how this calculation was made and I couldn't figure it out. I let it go for the month, figuring I was being charged the 1 % of the new balance, plus interest and fees ( the fees being the balance transfer fee of 4 % of {$8500.00}. I paid {$580.00} on XX/XX/2019. I thought from here on out, my minimum monthly payment should be approximately {$110.00} per month. I received my XX/XX/2019 statement. The balance is {$11000.00} and the minimum payment is {$560.00}. On XX/XX/2019, I contacted Chase XXXX XXXX customer service regarding the minimum payment calculation. I first spoke with XXXX. She stated that my minimum payment is being charged at 5 % plus interest and any fees. I told her that it should be 1 % and she told me that my cardmember agreement stated 5 %. I hung up and researched the cardmember agreement. I found it online and have saved it to my files. This agreement should not be any different than the one that I should be receiving in 10 days. Per the agreement found online, it is indeed, 1 % of new balance plus interest and fees. I called customer service back and spoke with XXXX, but was transferred to another person due to computer issues. I do not have this person 's name, as I could not understand her name. I explained to her that the cardmember agreement that is online states the 1 % of new balance plus interest and fees. She could not change it to the appropriate calculation per the agreement and said I would have to fax my agreement and jump through hoops. I told her that this was in violation of my agreement and that I would be contacting the CFPB.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AppFolio, Inc. (SC)

I am requesting that Appfolio delete any information that they have on my name in their database. I am sending a notice along with evidence that clearly shows that they are in violation of the Fair Credit Reporting Act. As a Consumer reporting they have to exercise their duty to safeguard consumer information. 15 United States Code 1681b ( 2 ) states that a consumer reporting may furnish a report under the following circumstances and no other, ( 2 ) in accordance with written instruction from the consumer to whom it relates. I have a requested a copy of any written instruction that I have given the company to have any information about me on file and if they don't they are admitting to identity theft and violation my rights under the Fair Credit Reporting Act.
Consumer complaint received 2023-07-01
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. (AR)

Today, I am sending my CFPB complaint to notify you about the wrongdoing of the 3 credit bureaus. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. The following items should be delete as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; AR CHILD SUPPORT ENF XXXX Balance : {$8600.00} ; AR CHILD SUPPORT ENF XXXX Balance : {$2500.00} ; AR CHILD SUPPORT ENF XXXX Balance : {$4100.00} ; XXXX  XXXX Bankruptcy Reference XXXX  : XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX  XXXX XXXX XX/XX/2023.
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX XXXX with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am having issues with old addresses and information not current or accurate on my credit report. 
My name is XXXX XXXX XXXX My SS is XXXX My DOB is XX/XX/XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank is running a 3rd quarter bonus promo for Freedom card where you get times 5 points for shopping at Department Stores. 

1. I went on Chase website and clicked on Shop Through Chase to shop at XXXX XXXX. 
2. XXXX XXXX it clearly listed on my Shop Through Chase transactions. 
3. XXXX XXXX is also clearly listed in the Department stores list for this quarter eligible for 5 points provided by Chase. 
4. Chase tells me " I see the charge you are referring to reflects as " XXXX XXXX ''. Further, it is listed under the category of " XXXX XXXXNot elsewhere classified ''. Hence, your charge does not qualify for the same. '' 5. I have no control of how visa assigns categories, but Chase has clearly listed XXXX XXXX in the eligible Department stores list. 
Chase is clearly manipulating customers to use XXXX XXXX is the Department store eligible for bonus points but at the end refusing to award the points. Thanks
Consumer complaint received 2018-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (HI)

This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$610.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: General Motors Financial Company, Inc. (KS)

I filled out a car loan app at XXXX XXXX, they keep saying they have not received a response from GM Financial but I keep getting multiple inquiries on my credit profile. This is not fair inquiries account for 10 % of credit and having a lot of them is a reason for denial while trying to get a loan. They are hurting me financially and Im a mother of XXXX children.
Consumer complaint received 2018-06-16
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: EQUIFAX, INC. (FL)

On XX/XX/2018 Equifax received notification from XXXX XXXX to remove the Fraudulently opened account. I have sent Police report stating I am a victim of Identity Theft and still no help. This XXXX Account along with a collection account XXXX in the amount of XXXX should have been removed back in XX/XX/2018
Consumer complaint received 2018-06-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CA)

3 years ago my service provider switched from Navient to the XXXX XXXX XXXX. While it was under Navient which was for quite some years while I was still in school they kept dropping my school forbearance and kept telling me I needed to repay it. But I could t because I was still in school. Due to this it showed I had missed payments as well as a drop in my credit due to the fact. 
Fast forward to when I stopped going to college I called Navient to see if there was repayment options but they kept forcing me into forbearance that went on for a few years. 
Fast forward to 3 years ago one day I did my yearly credit report. And it showed that my service provider changed with out me even knowing, I called Navient, they told to call the new service there was nothing they could do. For the past 3 years since this has happened Navient still hasnt taken or reported that my loans were transferred and it is hurting my debt tremendously, I cant get loans to improve my business, and its almost impossible for me to get a place to live because of the wrongful doing of Navient. I beg you will someone please do something about this. Im at my wits end.