davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Concerning XXXX XXXX, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX XXXX ... 
See attachment : A1 - page 4 - 8.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I reviewed my consumer reports and noticed that i had One late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2018-06-12
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. (MO)

Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FULTON FINANCIAL CORPORATION (NJ)

A BANK EMPLOYEE PULLED HARD REPORT FOR SOME PERSONAL REASON ONLY WITHOUT PERMISION AND THE BANK IS TRYING TO PROTECT THE EMPLOYEE BY DECLINING AND HAVING REMOVED IN CREDIT REPORT
Consumer complaint received 2021-07-14
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: Home Point Financial Corporation (IL)

I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender Homepoint Financial to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.
Consumer complaint received 2020-04-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

The banking institution is XXXX Bank, I was approved by the bank for a HELOC loan in XXXX of XXXX. I took a distribution ( XXXX : XXXX ) in XXXX of XXXX with a variable interest rate. I have no problem with that transaction because all went as I understood and agreed. On XX/XX/XXXX, I took another distribution XXXX XXXX : XXXX ), also with a variable rate. That transaction and resulting payment is what I have the dispute with. Also, I have a concern with the application of reduced prime rates in XX/XX/XXXX to both loans. On the phone with the loan officer at the branch, my understanding of the loan amount to be paid on the outstanding balance which included both loans was {$920.00} per month. The payment charged was {$1000.00}, {$160.00} more than what I understood the payment to be from that conversation and to what I agreed. 
The bank is saying the {$920.00} was for the first draw and that portion of the second draw which is subject to the interest rate for the remaining days of the month and not for the entirety of both loans. At the time of the phone conversation/authorization this wasnt my understanding. And, I understand the payments would adjust as they are variable and tied to the prime rate. However, this difference isnt due to the variability of the rate but to the difference in the calculated loan amount and the rate as applied to that amount. 
I have spoken with my case worker assigned to my case by the XXXX XXXX ( XXXX ). She is from whom I got the banks position and information. She is who said that they, ( the bank ) had reviewed/ listened to the transcripts. When I asked her for the transcripts so that I would be able to listen/ review them to hear or read the conversation for myself so that I might be able to support my position, she said that I would have to subpoena the records. I would like you to assist me with this process. Also, I want to know if the bank has charged me the correct amount of interest regarding the lowering of the prime rate by the FED twice in XXXX : XX/XX/XXXX XXXX %. XXXX %. My loans are XXXX and XXXX
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NM)

For years, and years Ive had student loans under the XXXX program. Instead of getting paid down, they keep on increasing. Ive been paying since XXXX. I am also the founding executive director of two eligible non-profit institutions listed in the directory. One was founded in XXXX, and another in XXXX. Ive worked in service for 14 years. My loans are now listed as being eligible for forgiveness in XXXX ( 15 years from now ), after I make XXXX payments.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX, I closed my credit card account ending in XXXX with Capitol One. I closed the account due an up coming job loss at the end of XXXX. With that knowledge I consolidated my credit cards with XXXX in XXXX XXXX. The contract was completed in XXXX with XXXX balance to Capitol one. 
Recently Ive been going thru my credit report and found XXXX 30 day XXXX XXXX, XXXX XXXX and XXXX 60 day ( XXXX ) late infraction account XXXX in XXXX. These are incorrect and have disputed and contacted Capitol One to no avail.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The 2015 year has been horrible for me financially because I had to deal with my mom getting diagnosed with XXXX and almost having a XXXX ; and my father getting diagnosed with XXXX and XXXX XXXX XXXX. I have also been dealing with my son who had XXXX, and had XXXX that had him hospitalized XXXX times last year.I received notice that my account would charge off in XXXX by mail if I did not make a minimum payment XXXX dollars.Therefore, I made the payment of XXXX dollars in XXXX. Then I received a statement saying I owed XXXX dollars or my account would charge off, but all I could afford to pay was {$25.00}. I paid the {$25.00} dollars in XXXX and my account charged off. I could see if I had n't made a payment at all, but I was trying to get it paid. When I called to talk to a representative she act like there was nothing I could do. She pretty much said I could pay off the charged off amount. Ive had this account since 2010.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

I have tried to get this information fixed on my account because it doesn't belong on there and the company still keeps it on there. Please get this information off of my account now. The accounts are : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX, XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX, XXXX 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX , XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXThis is all that they have on my report and if I hadn't looked I would have not known that my credit report is a stowing place for junk.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I already reached out to the credit bureaus and to XXXX XXXX with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

Experian has an account listed on my credit report that is a fraudulent account. I never signed up for an account with this company. It is negatively affecting my credit, thus affecting my ability to provide a better life for myself and my children. After speaking with the company they continue to allow the information to be on my report. This account is not listed on either of my credit reports with XXXX  or XXXX.
Consumer complaint received 2018-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC (GA)

In my two previous complaints I requested Cooling & Winter for some specific items and I was never provided with them nor was my request in those request were not responded to. 

I asked for contract with my signature on it and I was only provided with statements and a Bill of sale. That is not a complete validation of the alleged debt which is in violation of the FDPA. 

I also requested for all debt collection attempts cease and the lawsuit be dismissed against me and you guys failed to respond to that request. I am only being offered to discuss a payment plan. 

I am a recent XXXX XXXX and I am currently unemployed with no income coming in at this time which will not meet any requirements for a payment plan.
Consumer complaint received 2020-07-13
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (GA)

I paid off my credit card balance in full in XXXX before my due date. I thought because I had paid my balance in full on the website it included my actual full balance due, including any interest that I had accrued to date. I based the fact that I paid the balance off prior to my due date that I would have no existing balance for future billing statements. There was interest charged in addition to what was posted as my balance on the website at the time I paid. I had no viability to that interest at the time of payment on their platform. I accrued around {$12.00} of interest that I had no idea about. I was affected by XXXX and unable to check my mail due to potential exposure by touching mail. I did not receive any statements nor phone call explaining I had a balance owed in interest. I get a notification on my credit report of a late payment of {$12.00} dollars. I called the company expecting this to be a simple mistake in reporting since I paid my account in full prior to the due date and I paid the balance owed. I was not treated appropriately and subsequently transferred to like 3 different departments all claiming not to know what the other department does. I asked to escalate over the supervisor I was speaking with and was denied the opportunity to speak to management. I was denied the opportunity to file a direct dispute and was told I can only file disputes with the CRA 's. That is not a direct dispute but an indirect dispute. I wanted to give my lender the opportunity to review what I was telling them was an error. Everyone I spoke to kept repeating how sorry they were and how they understood why I was so upset after being reported negatively after just having paid a balance in full.One of the representatives even waived my interest accrued as a courtesy but said it still needed to be reported late which makes no sense to me. I was not reported to the CRA 's because of an upaid dept. I was reported to the CRA 's for interest which a general customer service representative had no problem waiving for me. I find this action to be predatory and in violation of the Comprehensive Credit Act ( CARES ACT ) and ( HEROS ACT HR6800 ) Section 110401. I had asked repeatedly for a manager and was declined escalation, I had asked for information on how to directly dispute their verbal review and was told I could not dispute it with them. That statement was inaccurate. I feel the company has an opportunity now to rectify the harm I have received.
Consumer complaint received 2020-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OK)

On Friday XX/XX/2020 at approximately XXXX XXXX, I went to Chase ATM ( XXXX XXXX XXXX XXXX, XXXX, OK ) and made a deposit of {$460.00}, once my deposit was complete, I received a printed receipt that stated To be sure your deposit went through, please call XXXX. I called that number and they transferred me to their claims department. There I gave them all the details they asked for only to be told that I would have to wait a MINIMUM of ten ( 10 ) days before I could receive a TEMPORARY credit. This was all the money that I had until I received my payroll check on XX/XX/XXXX! I was not given any further information and I still have her to hear any further actions taken. This is a trying time for everyone due to the situation relating to COVID-19 and has caused a great inconvenience.
Consumer complaint received 2017-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (MI)

Santander Consumer USA uses heavy-handed tactics that violates the Telephone Consumer Protection Act to get consumers to pay their loans. These tactics allegedly include making repeated and harassing calls to plaintiffs ' phones and also the high-interest loans and fees violates the Fair Debt Collection Practices Act.
Consumer complaint received 2017-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX demanding payment of a debt. I responded in writing requesting this company validate the debt on XXXX XXXX, XXXX. Thirty days went by and there was no response then after an additional 14 days I received a letter on or about XXXX XXXX basically ignoring my request and repeatedly attempting to collect a debt. I have been under tremendous stress and mental drain dealing with the aftermath of Hurricane Harvey and the widespread tactics of scammers preying upon vulnerable people. So I again write another letter to XXXX on XXXX XXXX, XXXX asking them to provide the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Any other legal action by you or any creditor regarding this account Complete transaction history from inception of the account Correspondence address of alleged creditor. 
Prove the Statute of Limitations has not expired on this account Provide copy of your license to collect in my state Provide your license numbers and Registered Agent or Agent of Service The company ignored my request and instead sent another robot letter on XXXX XXXX, XXXX demanding payment on an unverified and unvalidated debt. These letters are causing me continued stress and strife in my already fragile life as I struggle with a XXXX XXXX and on the brink of taking long term XXXX. I believe my rights under the Fair Debt Collection Practices Act are being violated. I have the right to request validation of the debt this company alleges I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I 'm not sure why any reputable company is unable or unwilling to comply with this simple request. 

I am not sure why XXXX is refusing provide any of the information I requested above on the alleged {$740.00} debt it is attempting to collect so I am requesting the assistance of XXXX to help with this matter. Thank you.
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Husband initiated an international wire transfer through our bank, XXXX, on XX/XX/XXXX. After delays and errors, our funds were returned to us. Still owing the debt, I initiated the international wire transfer on XX/XX/XXXX from our XXXX account. Bank of America is serving as their intermediary and repeats the same questions and can not comprehend the answers supplied and has delayed the transfer. ( We made two transfers to the same recipient and account from our XXXX account in XXXX and they were successfully transferred in the XXXX timeframe Swift dictates. ) We have spoken to every member of XXXX 'XXXX  Bank Operations Support Center. XXXX has communicated information to Bank of America by way of amendments twice now. Bank of America still holds our funds. This has cost us time and damaged our reputation.
Consumer complaint received 2021-02-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I had a student loan thru XXXX XXXX for XXXX XXXX XXXX which i went to in XXXX and completed in XXXX. My original loan balance was XXXX and I started paying them XX/XX/XXXX. The loan was serviced by XXXX XXXX. I paid {$96.00} a month sometimes more, {$120.00}. I started my loan payments immediately and never missed a payment. I paid them off in XXXX. They were great and never had an issue with them. the rest of the tuition was covered by XXXX XXXX as I was a single mom and qualified for assistance. 
The problem is XXXX XXXX XXXX went out of business after that. There was some fraud issues and they kept poor records thus abruptly shut down. I paid all my obligations to them via governement grants and student loans. I have all documentation and the contract that shows this. Collection agencies purchased their debt and have been harrassing me for the student loan amount saying that I still owe it. I have told them on several occasions that it is false as I was still paying on the student loan debt and paid it off. They filed derogetory marks on my credit which i disputed with proper documentation and had removed. The debt has been sold to 3 debt collection companies ... the last one is CONVERGENT XXXX. Says creditor XXXX XXXX XXXX. They say i owe them {$2700.00} which was my loan balance from XXXX at the time XXXX when out of business. This is a scam. They have been harrasing and threatening me continuously. Calling my home, work, moms work etc. I told them my debt was paid in full and have proof and they said this is double jeapardy and i still owe them. They are aggressive and slander me in the calls. This is unacceptable. I am a XXXX mom and have worked so hard to keep my credit perfect and pay my debt. This is ridiculous.
Consumer complaint received 2022-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (VA)

My car insurance was canceled. I told XXXX XXXX I was going with another insurance company and they stated I still owed the money. I told them I didnt owe the money when my insurance got canceled. They tried to force me to keep my car insurance with them. They turned it over to a collection agency who now put it on my credit report