davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Community Health Investment Company, LLC. (FL)

I received XXXX in XXXX. I received a bill of over {$1600.00} from the medical facility. I made arrangements with their billing company to make monthly payments of {$73.00}. I set the payments to happen automatically from my bank account every month and did n't miss any payments. I went out of town on the XXXX of XXXX. Yesterday, XXXX XXXX, I received a call from a collector. The billing company sent me to a collector and they are asking for over {$120.00} per month. I am trying to reach the original billing company. XXXX of their representatives confirmed that he could see my monthly payments but my file had not been updated to reflect the payment arrangements made. They say they can not do anything at this point and that I have to deal with the collection agency.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Credit Karma (GA)

I have an account set up with CreditKarma, and have for about 1 year. On XXXX XXXX 2016 at XXXX XXXX I received an email from XXXX Karma to my gmail that there had been a request to reroute my account to a new email address. It instructed me to respond if I had not made this request. I responded immediately that I had not. I received an automated reply stating that I would hear a response in 1-3 days. I attempted to log in to my account, but my password had been altered. When I attempted to retrieve the password by having the reset sent to my actual email address, the emails did not arrive. When I finally was able to access a part of their site to let me verify additional information for the password, the link was broken and would not submit. According to their forums, this is a common problem that many people have encountered. Later that day, I received a call from XXXX XXXX XXXX credit card online services asking if I had made an attempt to open a card. I had not, and told them that it was fraudulent. I then contacted the bureaus, froze my credit, and again attempted to contact CreditKarma. It was n't until nearly two days later that they sent me a basic email asking if XXXX was my email. It was not, it was the fraudulent email. They offered to freeze my account, however, offered no explanation as to how someone was able to gain access to my account, and reroute my emails, change my password, and collect my info. I was locked out of my own account, and they have no option to contact someone via phone or instant chat. The phone number listed for their site is for a line that has a recording. Their service is very slow, and even though it is a " free '' service, they are sitting on a lot of people 's very valuable personal information and owe consumers the ability to reach someone in an emergency situation. To be made aware of an attempt to change my email information, and be powerless to stop it makes no sense. I received the notification and was told to respond if I had not requested this, but in the 2 days it took them to respond, they already granted the criminal access and the ability to change my info. If I had been able to call a number or have an instant chat, I could verify my info. Their security is very lacking for a site with as much personal information as they gather. It is concerning that they offer no way to escalate or triage issues that are very urgent, and can lock the user from their own information while allowing thieves to collect it and use at their will. They need some mechanism to correct this, and their very slow emails are not adequate to protect the amount of information that they have in their database.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online report.
Consumer complaint received 2016-05-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (MT)

The day after my mortgage payment was do in XXXX my mortgage company started calling and harassing me on a daily basis. At least 6 times a day and I would hang up the phone with XXXX and another would call and a rep for mortgage co. told me if I want them to quit then pay my bills. They call late at night and on weekends. I called XXXX XXXX to pay XXXX mortgage payments in full and they refused to accept them, as they stated they wanted all XXXX. Which my payments are do the first and I was well with in my grace period. I was told not to fill out the hardship package because it would not do any good, Ive owned my house only 10 months not a year. I lost my XXXX job a month after I closed on my house and explained this to them over and over.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed a account with all XXXX credit bureaus for XXXX. The first time it was deleted. Then it appeared again under another company. I have been disputing it since and I have requested documentation with my signature to verify the account and to this day I have received nothing but somehow it keeps coming back verified when I dispute it. I would like this item deleted off my credit report.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ND)

For the last FOUR YEARS, Wells Fargo has deliberately obstructed my attempts to assume the loan on the home my wife and I purchased in XX/XX/XXXX. The property is facing an avoidable foreclosure, but Wells Fargo has turned their backs on me. Unfortunately, the last few years have been difficult financially and emotionally, since my wife passed away XX/XX/XXXX. The problem is that the home mortgage was in her name and Wells Fargo spent the first two years ignoring me and refusing to discuss the loan, although I am the rightful heir to the property. It has been an XXXX XXXX years of trying to deal with them. I had a glimmer of hope about two years ago when I was able to get them to speak to me via the court system, but Wells Fargo crushed my attempts at assuming my loan. I then was able to get through to their Executive Office of Wells Fargo after I went down to a branch office and they called into their corporate headquarters directly. I was assigned a single point of contact, XXXX, but she literally disappeared on me after our initial discussions and I can not get through to her. I was forced to try for a short sale, but the time horizon is too short, since I have a sale date of XXXX XXXX, XXXX. This whole thing has been unfair, since it is my understanding that the government allows heirs to keep the home after their loved ones have passed. They knew I was able and willing to take over the loan and continue payments four years ago after my wife passed away, but when I contacted Wells Fargo to discuss the loan assumption they refused to speak with me. Now I am in the dark and my home is facing an imminent foreclosure sale. It is extremely frustrating that I can not get through to the right people at Wells Fargo to resolve this matter. I should have been able to immediately assume the loan and then make the payments moving forward. I deserve the opportunity to have my home titled over to me and then be properly reviewed for all available retention options. The interest rate is very high at 6.5 % and there is room for adjustment. The home is significantly upside down in value relative to the loan amount and arrearages ; creating a scenario where there is common ground to have both sides walk away happy. Their failure to properly allow me to assume the loan can be corrected. I need action by Wells Fargo to do the right thing and allow the ability to keep my home.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was actually in a treatment program for XXXX in XXXX, Ky which I successfully completed. We were told that we could go to the school of XXXX in XXXX and the cost would be covered since we were in the XXXX program at the XXXX XXXX in XXXX, KY. I have successfully completed that program and have been XXXX for over eight years. I just want to get this debt off of my credit report at all XXXX agencies. Any help you can give me would be greatly appreciated. 
Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX has been reporting a delinquent status on my credit report. I attained an auto loan in 2013, and I am currently paying the balance, monthly, and in good terms yet for some apparent reason they have yet to update the status on my credit report. I have been paying my monthly auto loan on time, from what I recall not missing a payment. Please do contact XXXX XXXX, referring to my name and social security to pull up my account, which will show I have been paying my bill on time. I need to clean this negative mark on my credit report by mid XXXX, for I am on the verge of attaining the loan needed for the expansion of my business operation ( Jewelry Store to be located in XXXX XXXX, CA. ).
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NE)

My account is currently negative {$14.00} and some change. This is surprising since I have deposited roughly {$1700.00} in the last few days as well. On Friday a deposit was made from payroll that made me positive. Wells Fargo reordered ACH transactions that were done on the same day so that the larger {$400.00} payment came out before the smaller {$120.00} payment came out causing me to be charged {$35.00} overdraft fees for both when I might have had XXXX otherwise. Then a second ACH deposit came in on XX/XX/XXXX and they delayed the deposit an additional day causing me to be charged XXXX more {$35.00} in overdraft fees. Not only that, but because this puts my account negative again any transaction that clears that is current pending will cause even more overdraft fees. Wells Fargo continues to go against their own policies and engaging in behaviors to defraud their customers. This behavior needs to be stopped.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I was sent a letter from Wells Fargo, received on XXXX XXXX, 2015 but dated XXXX XXXX, 2015, stating I had {$2300.00} in a Cash Management Account and it could not be applied to my payment because it was short. This was my first notification of this short payment or any notifcation whatsoever that I had a cash balance. I called and spoke to XXXX XXXX, who is the single point of contact for my mortgage account. He advised me on a phone call between the dates of XXXX XXXX that Wells Fargo would be issuing a check in the amount of {$2300.00} and I should receive it in 2-3 business days. Today, in my follow-up conversation, they are now stating that they can not return the funds. I believe this is illegal on Wells Fargo behalf to have held funds without notifying us for 4 months, agreeing to send the check last week, only to rudely treat funds sitting in a XXXX account as if it were legally theirs. Every other time in my life, when we were short on payment, they issue the check immediately with a letter. Ironically, the letter notifying me of the cash balance in my account was the same week the Department of Justice announced the {$81.00} XXXX settlement against Wells Fargo for this same type of abuse, lies, deception, paper shuffling and illegal fees to our accounts for decades.
Consumer complaint received 2017-01-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

i filed chapter XXXX in XXXX 2016 -- these debts were listed and relieved as of my closing -- these should be removed from my report -- i also contacted the agenies listed more than once to re-iterate this action that was taken -- i was not proud, but have a husband who has been XXXX XXXX XXXX, and unemployed for the past 2 years with XXXX XXXX to raise -- i work XXXX jobs and do my best to keep up -- these major unforeseen circumstances severly impacted our lives!!!
Consumer complaint received 2016-07-31
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

After my husband ( a veteran ) passed away in XXXX Several times over the last 12 plus years I have tried repeatedly to work with Chase Mortgage to modify my mortgage that has a current interest rate of 7.50 % and that interest rate has never changed since the inception of the mortgage. The last time being in XXXX XXXX. I sent in all the require paperwork 3 separate times and each time I was told by Chase that the paperwork had never been received by them. I sent the paperwork again and was told they were working on the modification. In the mean time, I requested a pay off of the loan and also the amount to bring the loan current. Chase was to have sent the requested information via email. Well, they sent something on XXXX XXXX, XXXX, however, the document was password protected and the password was not made available to me. I requested the information over and over and never got a response. Moving forward. While still trying to obtain a modification, an amount to bring the account current and a pay off so I could refinance somewhere else, Chase decided to foreclose on my property. Unable to get the dollar figure to bring the account current, after many phone calls to Chase and the attorney XXXX XXXX XXXX in XXXX, TX a reinstate figure of {$26000.00} was available in the form of a cashiers check prior to the foreclosure sale and made available to the Trustee and yet my property was sold. I tried to prevent the sale and cure the loan under instructions by Chase employees. The conversations were denied by Chase until the recording of the call was found. I have a large equity in the property and I have lived here for 18+ years. I tried, to no avail to contact Chase and Attorneys as well as the attorney who is now trying to evict me from my home. The REO is now offering CASH FOR KEY in the amount of {$1500.00}. I have also contacted VA and they too have contacted Chase with no response. VA has now advised me to submit a complaint so maybe we can get some answers here. I have attached several documents to better explain my situation.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2017-01-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (OK)

I refinanced my car with Flagship over a year ago, I went through the application process and sent you all the information required and you in return paid my loan with XXXX XXXX. My first car payment was not due until early 2016. During that time I was told that I could only change my due date only once and it will remain the same through the life of the loan. I did change the due date to the XXXX to accommodate my pay schedule. After I made that change my company decided to change our pay periods without giving us notice. I called customer service to have the due date changed to accommodate my new pay schedule, the representative said I had already changed it and I could not change it again. 

Now my issue with your company is that first I did not receive a copy of the contract that I signed and I have been unsuccessful in obtaining that. Second, I feel that a customer should be given the courtesy to change there due date at least once time a year but your policy does not allow that. Third, I am getting charged late fee every month when I make my car payment and no one in your customer service department has not been able to explain what amount I am being charged.I cant afford to keep paying late fees plus my regular car payment. I explained to the rep I can make my car payment on the XXXX of the month and she told me that would be noted. I am continually getting up to XXXX customer service calls a day from your company and they are the most disrespectful human beings I have ever encountered. I trust this is not the way your awful company conducts business with valued customers. 

I am completely mortified with your companies polices, bad customer service and the interest and late fees. I regret ever refinancing my car with your company. I never had these problems with XXXX XXXX.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX Balance : {$5300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

I enter loan for the property located on XXXX XXXX XXXX XXXX NJ XXXX with XXXX Bank XXXX XXXX XXXX as trustee of XXXX XXXX Mortgage Trust, loan that has been transferred several time, first to Washington Mutual, then to Chase Bank and now to XXXX. Due to financial hardship I tried to do agreement to return the property after trying multiple times to Refinance the loans which have a very high interest rate, but no response was received. Called Chase to request information about the 2nd loan that is still in the title but they say it is " closed '' do n't know how because their system does n't show as pending, but they are the holders of that note. This is the reason why I need Chase to make a decision and let me do a deed in lieu
Consumer complaint received 2015-12-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I get 1 to 2 calls per week from Portfolio Recovery Associates L.L.C. They leave no message. I purchased a new home a few months ago and got a new phone number. My credit rating is above XXXX and I have no outstanding debts. They have called from multiple area codes, XXXX, XXXX, and XXXX. I have returned the calls and only provided them my telephone number and asked to be taken off the call list because I do not owe any debt. All they do is request personal information that I am unwilling to provide. I have asked them to stop calling to no avail.
Consumer complaint received 2017-01-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (TX)

I enrolled at XXXX XXXX XXXX on XX/XX/2016 in the XXXX program. 5 weeks later, on XX/XX/2016, the school closed permanently without notice. A letter was posted on the school 's website informing all students and staff that the school had closed. When I enrolled, I had to get a private loan, from the school, that they are saying I am now responsible for, even though I never even finished one term. I never received one credit from the school, as we were still 3 weeks, from finals. When I contacted the loan company, they said there was nothing they could do and the loan had to be paid back because they gave the funds to the school. When asked should n't the funds been sent to me and I sign the check over to the school, I was hung up on.