davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Hello, account # XXXX from XXXX XXXX has been paid and closed. You have documented that the account is " paid as agreed ''. The account is appearing on the negative items of my credit report. Please remove the item from negative or delete the account. You are reporting false information ans as per the FCRA you are in violation. Thank You.
Consumer complaint received 2017-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments may have been misapplied. The particular lates referred to are : Late Payments Being Reported : 180 days past due as of XXXX XXXX to XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX to XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NJ)

I transferred a XXXX phone line to another individual a few years ago. I was told on a recorded line that the bill had to be paid in full before I could transfer. A few hours later the person whom I was transferring the line to paid the bill and we went ahead with the transfer. Now XXXX is saying that I owe them {$360.00} ( XXXX XXXX ). I should not be charged anything I did what I needed to do on my behalf. The transfer should not have been completed if there was still a balance. I have tried to dispute this a few times.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (FL)

I received a prepaid card from NetSpend. I called the company and told them that I did not approve and filed an application to get this card. It looks just like a credit card, that is what I thought it is, but a representative said it is a prepaid. I told them to close this account since I did not requested. I also, spoke with the supervisor XXXX XXXX regarding my concern that I did not approve and or filed an application. I do not want any cards coming to me without my authorization. The supervisor told me that my account is closed now. I want to complain to the headquarter and she could not provide me with a phone number of the corporate office. I, also, want to be in writing that my card is closed, which she could not provide. I want this in writing and that NetSpend send me a letter that my letter is closed and that they are no financial obligations from them to me. As well an apology of abusing their corporate powers to use my personal financial information. Also, be permanently deleted from their database. My major concern is this corporate ethics can be very dangerous to some ones personal information. I did not approve and requested this card. If it would get lost in the mail and comes in the wrong hands someone might used it and I would never have known about it. This has to stop. No financial company or any kind of institution should send me any cards without my approval. The consumers should be protected and not leave them with any risk.
Consumer complaint received 2017-06-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This is a reply to Bank of America, NA 's ( BANA )  response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that BANA had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, BANA signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. BANA filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why BANA believes the loan first became delinquent in XXXX 2012. 2 ) Why BANA believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

It sure would be nice if someone at JP Morgan Chase cared enough to thoroughly research this matter for a change rather than send the same old replies. I am not going to stop writing about this matter. <P/>I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. <P/>JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. <P/>Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she could not take the payment because our account was under review for a loan modification, ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are recorded for quality assurance and training but obviously no one even cares to research any of what I have been reporting over and over again. <P/>They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. <P/>There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that didnt even seem to matter or account for anything. <P/>The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. <P/>They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (WV)

For like the fifth ( or sixth? or maybe tenth ) time now, a late fee has been assessed after my bank initiated an electronic bill pay on or before the due date. As is now the case, Bank Bill Pay or mailing a payment are the only methods available to pay the bill, as bill pay outlets ( That XXXX XXXX says is a payment option ) can not find " XXXX XXXX '' or " XXXX XXXX '' in the XXXX XXXX or XXXX XXXX, and eCheck drafting on XXXX XXXX ' website has since been removed long ago.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies (  XXXX , transunion and  XXXX  ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) fr om my credit reporting agencies.   i would greatly appreciate
Consumer complaint received 2018-01-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Loan was taken XXXX for original amount of {$5400.00}. Payments began the year of graduation in XXXX. Capitalized interest was added to the loan ( approx. {$2700.00} ). Monthly payments of approx. {$90.00} have been made for over 8 years. The balance as of today is {$5600.00}. Information on website says loan will be paid off in XXXX. This seems outrageous. I feel like this is a bad loan and needs investigating.
Consumer complaint received 2017-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I was enrolled in a Rate Reduction Plan for the past 15 months. My monthly payment was {$500.00}. The time has come where my contractual monthly payment of {$700.00} would begin next month. As I called the company after receiving an email to discuss an extension, I was turned down. They did a " monthly financial statement '' where they asked me questions based on my monthly expenses. I estimated each financial question. After giving my financial statement, they denied me and told me that based on the information, I make enough money to pay the contractual monthly payment. They then looked on my credit report to determine what my monthly payments are ( credit card statements, loans, car payments, etc ) to try to show me that I have extra money left over. Just because my monthly payments are a minimum payment, does not mean that I do not pay more to avoid paying just interest. I do not think that determining by " word of mouth '' is an accurate way to decide what program I am eligible for or not. I then spoke to a supervisor who told me that there was absolutely nothing that they can do for me. If they want to see my annual federal income, I will be glad to show them my tax returns. I am a student struggling to pay my student loans and I think it is completely unprofessional that this company is turning me away for not be able to afford a high monthly payment and is not willing to work for me, or to enroll me in a different payment. I have been dealing with this company for over 7 years and they are rude and unprofessional. They are disrespectful and I do not appreciate being turned away when this company is supposed to help us struggling students pay off our debt. Employee numbers- Supervisor XXXX XXXX- XXXX, XXXX XXXX-XXXX
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (VA)

Signed up for US Bank Altitude reward card on XX/XX/XXXX, with the primary reason being their 3X reward points on digital wallet purchases. I bought a XXXX Smartphone to be able to take advantage of this feature of the card. As soon as I received the card, I began using the card for all my purchases, from travel, to groceries, to everyday miscellaneous spending. On XX/XX/XXXX, I tried to use my card at a grocery store like I had several times before. It did n't work. I was n't sure if it was the digital wallet feature ( XXXX XXXX ) or the card itself. I called US Bank and they told me they could n't tell me what the problem was, but I was given a name and number in the investigations department. I called the phone number the next day ( XX/XX/XXXX ) and left a message. I got in touch with a representative the next day ( XX/XX/XXXX ) and was told that my card was closed because I had violated the card agreement by purchasing gift cards. I had done so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I buy one gift card for my wife each week for her purchasing as a tool for budgeting. I have done this with other credit cards for years and never had a problem. While it would be inconvenient, I would have no problem not doing this on the US Bank card ( even though it is normal spend on my card ), but that my card was closed with no warning seems to violate any customer service standards or card agreements.
Additionally, upon account closure, I lost any access to rewards points that I had accrued.
Consumer complaint received 2017-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding is incorrectly reporting that I owe them a total of {$4500.00} on my credit for two different accounts. <P/>The account number for the first account is " XXXX '' and the balance is {$2500.00}. The account number for the second account is " XXXX '' and the balance is {$2000.00}. <P/>I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debt on my credit report. <P/>Why did they not send a notice of my right to dispute these debts before they reported to my credit? I only found out they were on my report a couple of months ago and since then, I have been disputing these accounts for deletion. <P/>I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2017-06-20
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. (PA)

Transunion 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, Transunion / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, Transunion must delete this information from my report and send me an updated copy when this correction is completed, Transunion must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & Transunion with the BBB. This also being reported to XXXX in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. Transunion needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.
Consumer complaint received 2017-06-22
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: Experian Information Solutions Inc. (IL)

Received unsolicited mail saying I was pre-selected to receive a loan of {$3100.00} and when I provided them with my name, address, ph #, name of employer, address, ph # name of bank, bank routing # and checking account #, length of employment, how long I have had my bank account, SS #, Drivers License #. I received a single line message saying my application was denied. I believe I may have been scammed & will closing my checking acct asap.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PACIFIC WESTERN BANK (CA)

On XXXX XXXX, 2017 at approximately XXXX XXXX I did the following : 1 ) Called Customer Service to place a Stop Payment on a check. They informed me that they could not place a Stop Payment. 2 ) I called the XXXX branch during business hours and was told that " I had to come in '' to place the Stop Payment. 3 ) I informed them that I was in downtown XXXX XXXX and could not get back before closing. 4 ) I have since contacted the branch where I opened the account. I informed them that I had no Online Access to " Stopping the check. '' Pacific Western should not offer checks since they have " no support for check writing and having to go into the bank when there are only 3 branches in all of California. '' People can not physically get there. And 5 ) I had tried to dispute this with another branch but they refused to assist.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX, a payment was scheduled in the amount of {$450.00} of which I was informed that as long as the payment was made before XX/XX/XXXX at that point, nothing would happen to my account. Well, yesterday, I cancelled that payment that was to be taken out on Thursday, XX/XX/XXXX, and scheduled it to be taken out on XXXX XXXX, 2017 ( a day earlier ) of which it is currently processing. American Express, however, suspended my charging capabilities on Thursday, XX/XX/XXXX, with the understanding that the payment would go through on XX/XX/XXXX. <P/>Everything they 've told me over the phone contradicts the actions behind what has happened with my account. I 'm very frustrated with this company at this point. When I ask for the ID of the individuals I 'm speaking with, they refuse to give me that information and act very suspicious about giving me any information.
Consumer complaint received 2019-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc. (CA)

XX/XX/2019 I went for out patient XXXX lasting about 7 hours and went home. 

XXXX XXXX Hospital over charged Medicare by 300 %. Medicare & XXXX XXXX XXXX paid total of {$27000.00} of the $ 100,000+ invoices. 

I was sent a bill for {$1500.00} for uncovered and unauthorized items. I demand an invoice twice for exactly what the charges were. 

They failed to deliver any justified and Sent me to collection. They are causing me a XXXX year old on SS financial damages.
Consumer complaint received 2017-06-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (KY)

I am submitting this dispute in reference to a call that I made onXX/XX/XXXX. I do not know the exact amount because I have not had any contact with the company involved, FEDLOAN Servicing for about three or four months. They have a delinquent report from XX/XX/XXXX that is really negatively impacting my credit score and preventing me from buying a house. I have been working with them for several months on my loans and they were aware that because of some medical issues that I was unable to work or pay my loans back. They had been putting me on deferment fot the last probably 12 to 15 months to allow me to recover and go back to work. I have been trying to buy a house and in that process I found out that this had been reported delinquent in XXXX. I called them on Monday, XX/XX/XXXXand they said I had been under deferment since XXXX and XXXX which they said covered that and it should not have been reported delinquent. Also, according to the representative I spoke with it showed where I reach out to them in XXXX to check on why they were not contacting me or mailing me anything. I, also, was checking on my deferment Staub and they updated it and said they would remove the delinquent report from XXXX, but, it is still reporting even though I am on deferment and the companies representatives told me it would be removed because it was covered under my deferment.
Consumer complaint received 2017-06-21
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: Experian Information Solutions Inc. (IA)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.