davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after a
ny reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX
Consumer complaint received 2017-01-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (TN)

Over the XX/XX/XXXX holiday, my Regions XXXX Debit card was hacked and over {$1000.00} of unauthorized purchases were made using the card. Of course, the bank was closed for 3 days during the holiday and would not allow a dispute be filed until the charges " posted ''. Did you know, Regions does not immediately put the money back into your account, pending an investigation like every other bank in this country does. There is a XXXX waiting period and they do n't make exceptions. Did you know they do not issue temporary bank cards ( bank personnel told me they are not that technically savvy! ) The also do not have courtesy checks for a customer to use when they ca n't get a temporary bank card - according to my " personal banker '', Regions had too much " fraud '' that way ... .. REALLY?? 

In addition to a XXXX day delay, they start hitting you with NSF charges even though my legitimate charges came BEFORE the unauthorized charge. Regions chose to hit me with approx. {$250.00} in NSF charges. Since the bank took an additional XXXX day New Years holiday there was no way to get any money out of my bank. My direct deposit paycheck was taken by the bank to cover the charges including the NSF fees. I am closing this account as soon as I can change my direct deposit to another bank. I would NEVER under any conditions open an account or recommend this bank to anyone!! As for my Regions " personal banker '', I want to thank you for nothing and a special thank you to the bank XXXX who refused to reimburse me the NSF fees knowing that I have never over-drafted my account and the fees were incorrectly charged. And please change the automated message on your voice recording saying Regions has the highest customer satisfaction rating of any bank. You MUST BE JOKING!
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC (CA)

I owe only XXXX from the start of this XXXX. I made a payment over the phone, but i did not get any confirmation neither a receipt of my payment. I owe only XXXX balance but this company is increasing debt settlement more I owe. In fact, I already pay them in full this account of XXXX but to my surprise, this company is scam. bec. no confirmation and receipt provided to my payment.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: POPULAR BANK (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: SIMM Associates, Inc. (NV)

Simms Associates is a debt collection agency that initially contacted me on XXXX XXXX 2015. I was greeted by a representative who kept asking me for my name, social security and address. She specifically asked for me via phone when she called my workplace and after providing my social security and DOB, she said that was not what she had on file. After a few minutes of determining that the other family member, my grandmother 's information was the XXXX on file ( she allowed me to provide her SSN and DOB and then gave me all the information regarding the debt ), she informed me of the balance I owed and with what company the charge off came from to collect the debt. I informed her that I am unable to make lump sum payments due to other debts accrued from student loans, and after she implied by stating that if I do n't pay, they do n't know what would happen, I may go to jail or get sued or go to litigation, that I was forced into making some sort of settlement. We ended up with {$25.00} from my checking account until I could pay them more. 

After feeling cornered and coerced into sending in a payment, I filed a complaint with their local XXXX in Delaware. The only response received was that they would provide a verification of debt. Like the rep 's " I will email you a receipt '' issue - neither came via email or regular mail. I assumed that our debt was already in repayment and never checked back again. 

Apparently they decided voluntarily to not accept payments arranged, because no automatic payment was posted to my checking account in XXXX. I called on XXXX XXXX and they refused to let me provide the same information the previous representative allowed me to provide. They refused to let me provide any sort of information and repeatedly informed me they can not talk about this account any longer. 

I submitted a second complaint today to the Delware XXXX after talking with XXXX XXXX who charged off the account and put Simms Associates in charge of collecting my account on their behalf. XXXX collections department representative filed the complaint, and agreed to take payments direct from me and not through the Simms Associates. I informed Simms via the XXXX complaint of this outcome. 

I feel that their collection practices, especially casually implying that I would go to jail or get sued just to get payment out of me was flat out wrong. There are several online complaints regarding their practices. 

I can not believe that they refused to let me pay! How ridiculous is that. I hope that someone takes care of this business and ensures that they are unable to threaten or coerce other people out of payments.
Consumer complaint received 2015-04-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Recovery Solutions, LLC (CA)

I have received, and responded to, calls from this company, verified that I am not the person who they are attempting to reach, yet they continue to call me at my place of employment demanding that I verify my identity to " ensure I 'm the person '' they are trying to reach. The person calling leaves the name XXXX and phone number XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-06-24
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CHECK INTO CASH INC. (CA)

I applied for a payday loan online and was pre approved for XXXX then I  was told  by email to visit a local check into cash store with the proper documents and I  would walk out with my cash.but I was never given the chance to go to the  check into cash store and forfill my application.
Consumer complaint received 2015-03-26
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (GA)

I filed my income taxes to turbo tax .I was supposed to have my refund direct deposited onto a prepaid debit card from net spend. I never received it and I called NetSpend they cancel my acardand I have not been able to receive my refund .they said they sent my refund back the IRS but I have information that it 's in an account At XXXX bank. I have a letter of reserch stating wher my funds was deposited. i just dont know how to attach the documment in this complaint.
Consumer complaint received 2016-02-28
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JPMORGAN CHASE & CO. (KY)

At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, EVER, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company! 

After filing a complaint with Chase Auto Finance, it was found that Chase did not employ this group, but rather they contracted out to XXXX ( XXXX ) through their XXXX ( XXXX ). Therefore, this complaint has been re-directed to XXXX ( XXXX ).
Consumer complaint received 2024-08-28
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-03-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I missed a few payments on XXXX private loans managed by American Education Services ( AES ) while I was sick. When I was told the XXXX loan would default, I began making payments and quickly paid off the past-due amount. However, by that time, XXXX of the loans had already been placed into default. For that loan, I received no communications - at all - about past due amounts or a warning that it would be put in default. I confirmed with AES that there was no communication received regarding that loan. I contacted AES in writing to request the loan be taken out of default, because I was not notified of the past due amount or the default, and to make my payments current. I was told no.
Consumer complaint received 2015-10-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a mortgage modification with Bank of America which took about two and half years before it finally concluded. They took me throughseveral different partial payment which they never concluded. Afterseveral contacts and follow up they finally approved the modification. Butthe terms of the modification was not favorable to me but I have toaccept because of the frustration I had gone through within themodification period, ruin credit and many more inconveniences. 
The modification that I was offer saw my principal increase from theamount I was before the modification started despite the fact that I hadbeen paying the different partial payments they had offered. 
I made payment to the tune of {$32000.00} during this very strenuousmodification period but to my greatest dismay my final modification hadmy principal increased from {$240000.00} to {$240000.00} interest baringprincipal and {$3000.00} non interest baring principal making a totalPrincipal of {$240000.00} an increase of {$3400.00}. I accepted the modification and have been paying my mortgage regularly and I am upto date with my payment. I have called several times and even ask my lawyer to send letters to Bank of America in my behalf which they didabout four different times but have not got any reasonable explanation from Bank of America till date about what happened to my partialpayment of {$32000.00} that I made within these period. Taxes, home insurance premium and FHA insurance paid within this period amountto about {$15000.00}, so how did they allocate the {$17000.00} overage that non of it went into reducing my principal? And also how come I did not get any principal forgiveness despite the fact that my home wasunder water? And what does the law prescribe for the time a modificationshould take? And why did they have to drag me for this long ruining mycredit making it very difficult for me to get any loan. In fact during thistime I had to get a car loan which could only be granted to me for a very high interest rate of about 21 %.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

FCRA VIOLATOIN : Transunion file # XXXX. 
I disputed information contained in my credit file for my American Express credit card account. The only information that was incorrect was the balance due and account rating just for the month of XXXX was incorrect, it was listed as N/R. All the other months had correct information. The dispute was resolved in 2 days but the whole account with perfect payment history was deleted. This has caused my credit score to drop significantly due to no fault of my own.
Consumer complaint received 2016-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

Unbeknownst to me, my son ( XXXX XXXX XXXX ) took out a Parent Plus loan for online classes with the University XXXX XXXX. He attended class for a day and advised XXXX counselors he could not avail himself to attend anymore classes. XXXX ( or Sallie Mae ) sent him the remainder of the loan which he never returned. I reported the fraud to Sallie Mae and was advised to go to the police and file a report. I did so but for some reason, Sallie Mae representatives and the police department were unable to resolve the problem. Now I am getting the hit on my credit and made to pay the bill. FYI, the police has the fraudulent signature card which XXXX, my son, had submitted. Everything else was digitally signed. I have filed an affidavit to Sallie Mae stating the loan was not authorized by me. I would like this issue resolved and the loan taken off of my name. I will not pay for a loan I did not authorize, incur, or had knowledge of at the time it was taken out.
Consumer complaint received 2016-03-05
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

I 'm a long time Chase bank customer with an excellent credit score ( XXXX fico ) and income ( XXXX/annual ) and I submitted a used auto loan application for XXXX over the phone based upon their advertised used auto loan rate of 2.06 %. This rate had the following assumptions posted : loan to value of 95 % for used vehicle, excellent credit history, and loan amount of XXXX. After submitting my application, I received a quoted rate of 4.79 %. I requested to speak to the underwriter who told me that the high rate was due to the loan to value for the auto loan. I asked them to update the loan amount to reflect the 95 % loan to value for my requested vehicle ( XXXX ). She updated the application and came back with a quoted rate of 2.79 %. I asked her why my rate was still not the advertised 2.06 % and she said because I my loan was n't using the specific model/year in the assumptions. I believe this is a clear instance of bait and switch tactics as there 's probably such a minuscule probability that an applicant have the exact vehicle model/year, credit score, and Chase checking account to qualify for the advertised rate.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (MO)

My home mortgage is currently at Chase Bank and it is in good standing. I received a letter from Chase Bank the first week of XXXX 2016 offering to re-finance my loan at a lower rate, 3.125 %. The day after I received the letter I called the number listed in the letter to start the re-finance process to get the rate quoted and I was told that the letter was just a marketing letter and, assuming my credit was good, which I assured them it was, my rate would be 3.8 %. 

When I asked why I could not get the 3.125 % rate they told me that was the rate on XXXX/XXXX/16 ( which the letter stated ) and because it was a month later and rates had moved, the 3.125 % rate was no longer available. I believe this was purposely deceptive for XXXX reasons. 

First, I believe the letter was an offer to re-finance my home and not a " marketing letter '' as the bank has stated. I believe this because it was addressed to me specifically, it referenced my account number, it quoted my approximate loan balance and it quoted my current loan rate. Clearly, this letter was directed to me and it was specifically about my loan. 

Second, when I pressed to find out why I could not get the rate quoted in the letter I was told that I would have had to apply for the re-finance on XXXX XXXX, 2016 to qualify for that rate. Since I did not even get the letter until the first week of XXXX XXXX and I called the day after I got it ) I do n't think they had any intention of offering me that rate. They said further that since rates have moved since XXXX XXXX, 2016 it was no longer available. XXXX XXXX have moved but they did not move by XXXX basis points, the difference between what they quoted me when I called XXXX 3.8 % ) and what they told me I could get in the letter XXXX 3.125 % ) from XXXX XXXX, 2016 to the first week of XXXX, 2016. Further, although I was told that because I did not call on XXXX XXXX, 2016 I did not qualify for the rate quoted, I do not believe that Chase did any loans under the terms that were quoted to me in the letter, including the loans they did on XXXX XXXX, 2016, the date the letter said the 3.125 % rate applied. To support this point, under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX banks are required to collect data about the loans that they make, so it should be readily verifiable from their XXXX log that nobody got the rate that was quoted in the letter. 

I believe the letter was purposely deceptive and they had no intention of offering me the rate that was quoted. They clearly sent me the letter after reviewing my file, putting my account number, approximate loan balance and my current rate in it. I did not receive the letter until more than 30 days after the rate was to have been available. In my opinion this is a clear case of a bait-and-switch selling tactic.