davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has sent at least two requests for proof of mailing address as a delay tactic. 
After sending a so-called investigation result less than a month earlier. Since I did n't move or give any reason to believe I moved in the approximate 15 days in question this much be a delay which puts them in violation of the 30 days provided by the FCRA ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX RE : File # XXXX Request for Proof Address Dated XX/XX/XXXX To Whom It May Concern : This request for verification info is a delay tactic since this information was provided with your file # XXXX dated XX/XX/XXXX. You are in violation of the 30-day requirement to respond Immediately remove disputed items. Please find enclosed the items in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Cc : Consumer Financial Protection Bureau ACCOUNTS ALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2017-07-24
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. (TX)

Chase Bank is reporting a credit card on my credit report that was not opened by me. I have previously complained about this to Chase however the negative reporting remains. I am a victim of identity theft. I have previously shared with Chase Bank a copy of my lease which shows that I did not live, work, or have any association with the address that they used for the credit card account. I have had to dispute other accounts as well. I am attaching the letters from other financial institutions which have investigated and found that the accounts established in my name are not mine. I encourage Chase to pick up the phone and call the other banks to verify that they did an investigation and found that these accounts were not mine. Chase is the only negative information on my credit report. If this is not resolved within 10 days I will be instructing my attorney, XXXX XXXX, to bring a lawsuit and seek compensatory damages.
Consumer complaint received 2017-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (FL)

Over 7 years ago, I opened a Home Equity Line of Credit with the bank for {$50000.00}. We only used {$30000.00} or so at the time. When the banking crisis hit, BMO informed us that they are freezing their HELOC accounts and there will be no more credit issued. I understand why they did that. Limits their risk. I was fine with it. I did n't, and still do n't, need more money. Here is the problem -- and its a big one : They still term the loan a line of credit. Even though I can not withdraw money from it. My credit score suffers massively because it says that I have that much available to me -- even when I do n't!! My credit report says that my outstanding loans are higher than they should be because of this labeling error. It should be a XXXX loan and show that I 've been paying it down and never missed a payment. It is NOT A LINE OF CREDIT!!!
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I called Portfolio Recovery Associates in XXXX after receiving a letter that I owed them money. I agreed to settle for a less amount if they would delete. I just pulled my report over the weekend, and Ill be XXXX if they are not still on my credit report. I gave them a call XX/XX/XXXX and asked why it hadn't been deleted and was informed by a young lady ( that has worked there for 14 years ) that they never delete trade lines, they only update the credit report as paid. I told her well I spoke with a guy years back and that was the only reason I settled, because I understood that it would be removed. I was transferred to a manager, very rude by the way, and she stated they do not remove from credit report. I paid the debt off like they asked and now they lie and say they dont delete letters. I actually have a letter from a friend of mine that was sent to her, and they DELETED hers after she paid. WHY DID THEY LIE????? I also attached a letter that was sent to her, and they deleted her account!!!!!!!
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I have been contacted on three occasions at work by IQ Data International. The third occasion was after I had already explained that I am not allowed to receive personal calls at work and that it was not the time to talk about this. The man yelled at me after I told him I can not talk about this now and said give me a number I can call you and what time I can reach you and said " do you want me to report that you do not want to pay this debt? If you do not pay this, it will ruin your credit ''.

Times/Dates they have called me at work : 1. XX/XX/XXXX XXXX XXXX : Spoke to my former coworker at my old work number. My coworker stated he was very aggressive and rude and asked to repeat the call back number and asked to know what time I would be calling back. This can jeopardize my employment as I am not allowed to take personal calls at work. 

2. XX/XX/XXXX XXXX XXXX Called by a man that spoke to my former coworker by a wireless caller, at XXXX, whom threatened to ruin my credit if I did not pay and kept harassing me about paying after I told them I can not talk about this at work. Also, they are trying to embarrass me by talking to my co-workers in a disrespectful tone and being aggressive. 

3. XX/XX/XXXX XXXX XXXX : Caller dialing from XXXX spoke to my current coworker and asked that she make sure that I return his call. My coworker requested several times what his name was and he refused and reluctantly gave the name " XXXX ''. This third attempt was after I asked not to be called at work and I am not allowed to receive personal calls at work.
Consumer complaint received 2017-07-24
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. (TX)

I have contacted TransUnion several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX - XXXX XXXX XX/XX/XXXX -  XXXX XXXX and XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX ( 2x ), XXXX ( 2x ), XXXX
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

On XXXX/2017 I filed a complaint against the Collection Bureau of the Hudson Valley Inc. # XXXX that they reported a debt to my name of XXXX which I never owed. Collection Bureau of the Hudson Valley was required by law to send me a notice of this collection before posting anything on my report. I did n't recall getting a letter from them. I asked for details of this debt which were never sent. Subsequently they closed the account and removed it from my credit file, Now in XXXX I got a negative notice on my report and after checking I see the same debt is reported again .They never sent me any details of this debt but reported it again .I am ready to sue them in court for violating the FDCPA and FCRA and for financial damages incurred due to their false report if they wo n't remove this once and for all.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

My wife and me traded in our old vehicle XX/XX/XXXX, from XXXX of XXXX XXXX XXXX, and leased a new vehicle from the same dealership. At the time we traded in the vehicle we were due for our XX/XX/XXXX payment. We understand all payments are our responsibility to make, but when we trade in a car we expect the dealership to pay the old car off within a reasonable time frame. XX/XX/XXXX, I receive a call from XXXX XXXX XXXX stating our XX/XX/XXXX payment had n't been made. I advised XXXX XXXX XXXX that we no longer owned the vehicle and Kia of XXXX XXXX XXXX should have paid it off. I then call Kia of XXXX XXXX XXXX, to inform them the car has not been paid off. I also informed them that now my wife and my credit report reflects a 30 day late. Kia of XXXX XXXX XXXX, informed me that they will provide us a letter to send XXXX XXXX XXXX in order to have our credit reports corrected. I 'm sure Kia of XXXX XXXX XXXX is in some type of violation for not sending the payoff timely. Instead of providing the letter from Kia of XXXX XXXX XXXX to XXXX XXXX XXXX, I disputed the issue with the 3 Credit Bureaus at the beginning of XXXX. 2 of the 3 credit bureaus changed the 30 day late from XX/XX/XXXX to XX/XX/XXXX. My wife and me no longer owned the car as of XX/XX/XXXX, therefore we are not sure why we received a 30 day late, in a month we only owned the car for 11 days. One of the bureaus removed the 30 day late altogether. I called XXXX XXXX XXXX,XX/XX/XXXX and informed them of the issue. The lady I spoke with stated my account ( XXXX ) did not reflect a late payment. She then advised me to dispute the issue with XXXX XXXX XXXX and they will make sure the 30 day late is removed. I disputed the 30 day late with XXXX XXXX XXXX around XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX stating " The disputed information is accurate as reported. '' I called XXXX XXXX XXXX XX/XX/XXXX and inform them of the letter received. The lady ( XXXX ) that I spoke with, needs to be a manager if she is not already. She was so calm on the phone, she was able to keep me from going off on her, even though I my issue was not resolved and I hung up on her. XXXX stated that it was still our fault since we sign the contract that we will make all payments on time and that we need to have KIA of XXXX XXXX XXXX call XXXX XXXX XXXX to have the late removed. I 've attached all the documents I sent XXXX XXXX XXXX, which includes the letter from KIA of XXXX XXXX XXXX.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

hello I pay my bills off in full every month.     From m y  XX/XX/XXXX  statem ent, I owed {$1100.00} and made paym ents of   XXXX   XXXX  , 2017 : {$1 20.00}  ( before due date )   XXXX   XXXX  , 2017 : {$35.00} ( befo re due date  )   XXXX   XXXX  , 2017 : {$990.00} ( after due date ) for a total of {$1100.00} This does not include returns also.    Even if you go by their premise, they are charging me {$10.00} for what?
Consumer complaint received 2018-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A company called XXXX XXXX has put a collection account on my report. They are trying to collect on a so called XXXX XXXX XXXX. I asked them for the documents to validate this debt correctly they couldn't. They didn't even contact to inform me they were collection this debt it just pop on my credit report.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TN)

My issue is with American Express and their Serve Prepaid Debit card. Had the card for over 5 years, was using it regularly, had a portion of my pay direct deposited to it each pay period for 5 years. tried to log in one day approximately 5 weeks ago, was told the card had been suspended due to potential fraudulent activity. I said ok, could you please tell me what the fraud was about, as I never did anything illegal or against terms with the card, and more importantly, was I going to get my remaining balance, approximately {$220.00}, back. Was told they could n't provide any information regardign the " fraud '', and that it would take several weeks to resolvle, and that I 'd receive my funds once the investigation was complete. Called again a couple weeks later, same story. During that time I the portion of my pay, {$1200.00}, that normally went to the card from my pay went to some limbo, was able to get it back from my employer, but did n't get until 10 days later than I normally do. Was recommended by an attorney friend to contact CFPB office regarding this matter, as it 's been almost six weeks now and have n't heard anything else from them, and havent ' received my funds.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX back in XX/XX/XXXX I received a phone call from XXXX about modifying my mortgage, it seem like a very good idea, since I was in a pick a payment loan with a negative amortization. We decided to take XXXX XXXX offer and modify. I was on the phone for about an hour, providing them with all the necessary information. They told us that it would take 2 to 4 weeks before we would get modified, 3 weeks went by, since I did not hear anything from XXXX I decided to call them for an update. and he told me that I was missing some documents. ( bank statements ) I told him that I had faxed over the bank statements 3 weeks ago.
Neatness to say I faxed over the documents again, by then my mortgage was due, so asked do I pay my mortgage or do I wait for you to call me. He said that I was modifying and I did not need to pay the mortgage, it was going to be added on to the new mortgage. but I did need to keep continuing paying my 2nd mortgage. By XX/XX/XXXX I received a letter for XXXX stating that I did not pay my mortgage. And I could be facing foreclosure. I immediately call XXXX about this letter. The funny thing about XXXXXXXX I could NEVER get the same person on the phone. Now, they told me that I was missing documents, ( most recent pay-stubs ) now I started to certify all letters to XXXX and fax them also. By the end ofXX/XX/XXXX. I received another letter in the mail, this time it said that I was going into foreclosure, by now we had enough of this, so I called XXXX to tell them that I did not want to participate in there games, and that I needed my original loan! until they said that I own them $ over 10000. How can I owe you that much in 3 months! When my mortgage was only {$1600.00}. a month. By now I was very scared, so XXXX  left me with no choice but to continue with this nightmare Again they asked me for more documents, by now there was no way out for me and my family, XXXX  was running the show and we had no control of our life 's. but we wore still paying our 2nd mortgage. I spoke to so many XXXX representative, ( have a record of ) every month they would ask me for the same things. I started to certified letters. It was always something they need it, but the funny part about it, they would never call me, I would ALWAYS have to call them, and of course, I would never talk to same person! This nightmare went on for a year, by now my credit was ruined. I 'm asking to have that removed from my credit bureaus as I had no control of the situation.
Consumer complaint received 2017-08-01
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. (GA)

I am XXXX XXXX due to a rare, chronic and incurable illness, and have been out of work for more than one year. The only source of income I have is XXXX XXXX which is n't enough to cover my medical needs. Navient completed a financial assessment stating I 'm about {$6700.00} short of monthly expenses. My student loans are in repayment but I 'm not able to pay them. At near default status, I was able to get on a reduced rate program for one loan. To pay this, I 'll have to forego medication each month. XXXX more loans were in the same status and after providing financial information, an amount was offered at a reduced rate of {$280.00}. Though this amount will mean I must forego more medication, I needed to accept it or risk my parents being sued for a debt that belonged to me. The payment was to be drafted at the end of each month. I received a call at approximately XXXX from the representative who set the program up for reduced payments. He told me that his supervisors manager denied my reduced payment request because of my revolving credit payments. Somehow being {$6700.00} in the negative has no bearing on my ability to afford to make student loan payments. He then said I had until XXXX to pay $ XXXX+ to add to the {$280.00} drafted today for the loan program I agreed to. He would n't give me the managers name nor transfer me. But he said my loan would officially default now, as a result which was not supposed to happen. I was mislead into giving navient access to my account. I called the advocate office and they would n't open a complaint for me. The representative was told to transfer me to the rate reduction team. From there I remained on hold for nearly 90 minutes until I finally disconnected because I was experiencing high levels of pain due to the XXXX. I do n't know what else to do at this point. These loans were already and issue because they were illegally modified for approval. But now I 've been mislead for my account access, money has been taken and threatened with loan default and possible legal action.
Consumer complaint received 2017-07-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (MA)

On or about XXXX XXXX, 2014, we leased a XXXX XXXX from XXXX ( FL ) VW. When I entered the automatic payment info in my XXXX XXXX XXXX online account I apparently provided a premature end date. * I recognize that doing so is a major part of this issue. * About two years later we moved to our present address in XXXX XXXX, MA. As a result of my error the bank stopped sending what had been clock-work-like payments to VW Credit. When I saw my credit score decline I looked into the cause and immediately contacted VW Credit. While they had my new address ( as a result of the change in registration and taxation ), my current phone number and my current email, they made NO effort to reach me to tell me I was in arrears. In that regard I hold them partially responsible for abrogating duties that 99.999 % of other creditors would be delighted to perform. When I discovered the problem -- delayed by the fact that I was getting over a bad XXXX -- I immediately sent them three months of payments to get not only up to date but a month ahead to show good faith. Those payments apparently showed up on thew 62d day of when the first late payment was due and VW promptly informed all credit agencies that I was now 60+ days lateral further damaging my credit score.
I went to lengthy explanations with the CEO of VW Credit and everyone else who would listen. None did  ; and I got a form letter back telling me that because I was late the matter was closed. VW credit has not lost a dime on me. I continue to be 100 % up to date on payments. But my credit score has been badly damaged and will continue to be so for 7 years. This penalty certainly does not fit my " crime. '' I am not a deadbeat or trying to evade my obligations. Far from it. I made a mistake and immediately fixed it. VW failed to make any effort to ameliorate the situation and strengthen our relationship. For a company that is paying billions in fines for lying to the world ... I find their behavior and callous treatment unacceptable by any standard.