davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$62000.00} XXXX XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : -
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc. (FL)

NAR INC has a collection account on my credit report in the amount of {$3100.00}. This is a company that I have never had any dealings with this company. I have no contract with this company either. I have asked this company to provide me with a signed contract between them and myself and they have not done so. They need to be removed from credit reports immediately! Thanks
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CT)

I keep seeing this XXXX XXXX on my credit report for collections in the amount of {$430.00} from an account opened in 2019 through Synchrony Bank. I don't have any cards with Synchrony Bank as the financial establishment. That is not my account. I have disputed this as fraudulent with the credit bureaus at least 5 times to no change. No one seems to know where this came from. It is not my account. I want that removed.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MA)

I have an auto loan with Santander Consumer USA. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with Santander and they now state that did n't happen when I call in.
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NJ)

There are a couple of companies on all three of my credit report that i keep disputing and they still keep coming back and it keeps messing with my credit score.. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX medical center which is with the company Commonwealth Financial System. I have been fighting this all year and they still keep putting this stuff on my credit report!!
Consumer complaint received 2019-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NM)

Navient services both my federal and private loans. I've had many issues over the years with Sallie Mae and Navient, but this one really got me. 

I see Navient pulling money out of my account each month and hadn't received any calls, so I assumed everything was okay. I get a call today that says I'm behind, but I'm curious why since I see the money pulled every month. Apparently the last person I talked to set up my payment schedule to the wrong amount so I was underpaying each month, which made me delinquent. I'm done dealing with these people. They don't want to help you. I've also been paying on this for 10 years and have gained XXXX in interest and now owe nearly XXXX for a 2 year degree from a now defunct for profit school. Thanks mega corporations! Keep us enslaved!
Consumer complaint received 2015-05-17
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (SC)

every month chase give interest on my account every XXXX of the month. but if i sent a payment before the XXXX they hold the payment and make like the mailman deliver it late.By doing this it leave me with a higher monthly balance were chase can have extra interest. this month i sent in a payment a head of time .I call and my month balance was??? this was on XX/XX/2015.my payment sent in was on the XXXX of the month.Now chase gave me interest on the XXXX instead of the XXXX were that payment would reduce my monthly balance at a lower balance. BY doing the XXXX of the month the payment didnt show to low my monthly payment .they have been doing tricks like this for a long time getting over on their customs. somebody needs to hold chase accountable.they making money on hold the balance were they would make more at higher monthly balance then they would if i sent in a payment before the calculate the interest for the month due. for example if the balance XXXX and i sent a payment of XXXX before the XXXX the new end monthly balance should be XXXX at apr interest rate. but chase wait to post payment so on the XXXX the monthly balance still be XXXX where the chase can have extra interest payment.so when you seen in that payment it dont show were it help seening in extra payment.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 XXXX XXXX XXXXXXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXXXXXX they could not find any information on the card but its still reporting on my credit report.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX {$2300.00} ; XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TN)

My wife and I purchased our home on XXXX XXXX, XXXX in which we took out a 30 year fixed conventional mortgage. At the time of purchase we had a down payment of less than 20 %, so we had agreed to purchase the Private Mortgage Insurance ( PMI ). Since that time we have made continuous timely loan payments. At the beginning of XXXX XXXX we requested from Chase bank, our current lender that we would like to have our PMI removed off our loan since we received an " Annual Disclosure Notice to Mortgagor '' from Chase that it would be possible to remove the PMI since, we estimated our property value to have improved significantly to exceed the 80 % LTV requirements. We contacted Chase by telephone and they sent us a notice instructing us to submit a non-refundable {$450.00} payment to have the property appraised. Once we submitted the {$450.00}, Chase sent out an appraiser to evaluate the property in which the appraiser concluded that our property value has increase and has improved our LTV to 77.25 %. After the appraiser submitted their findings of the increase home value Chase refused to remove the PMI stating that we need to reach 75.00 % LTV instead of the 80 %. Please help us to enforce the rules of the Homeowners Protection Act of XXXX aiding my wife and me with canceling the PMI upon request of the borrower.
Consumer complaint received 2015-12-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

My mortgage was sold early last year to Carrington Mortgage Services. This company sent me an escrow refund check citing an overage. However, a month or two later they jacked my payments up and told me that my escrow had a shortage. Now a year later they are increasing my payment again after I have been paying an increased amount for the past 12 months. My homeowner 's insurance has n't increased and neither have my taxes. I have read many complaints about Carrington mishandling escrow money. They refuse to admit wrongdoing in issuing me a check and then increasing my payments because of a shortage.
Consumer complaint received 2015-04-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I have been unemployed for the past XXXX months. I just started work this week, and got funds going back into my account. I had {$30.00} set aside ( the only funds that I had ) for my bus ticket from XXXX to XXXX to visit my elderly parents for XXXX. Chase bank gave me without warning a {$12.00} fee because I have not been making the direct deposit amount. Which I understand, I did not ask to waive it just to postpone it, they refused because they have waived it in the past. {$12.00} to Customer Care Specialists XXXX XXXX of XXXX Ohio is nothing, but to me it is me not able to go home now for XXXX. She told me not to take it personally but to make other travel arrangements. I just have myself, and my edler parents can not put money in a chase account in XXXX because there is no Chase branches in XXXX or Maryland. She kept telling me over and over to make other XXXX Travel arrangements. I can not bike to XXXX from XXXX, I can not walk. So maybe she is suggesting that a Chase Client hitch hikes to XXXX? I asked very nicely if I could speak to someone higher on the food chain then her, she refused and to " comfort '' me it is nothing personal. Yes it is, for XXXX 2015 I am not spending it alone because Chase bank has trained their employees to not even show some compassion to any degree on a holiday. 

She was clearly low or middle management, I was polite the entire time on the phone she refused to let me even try speak to her supervisor. I did not raise my voice, said please/thank you. Again, I understand it is a fee that needs to be paid since I am not making the direct. But All I needed was XXXX more week to pay this {$12.00}. Again this was my bus money to see my family in XXXX for XXXX XXXX, an overnight actually because I am WORKING again late on Fridays. 

It is XXXX XXXX and I received no warning at all from Chase that I would be receive this {$12.00} fee. NO WARNING. If I knew this, I would have bought my bus ticket yesterday and would be able to go home for XXXX XXXX. 

XXXX XXXX, https : XXXX, located in the XXXX Ohio HQ . If are you get her on the phone. It is best to politly decline any help from her and call back to get another CSR on the phone. She is not willing to help. 
I now have alot of time this XXXX XXXX to research policy and let fellow consumers know that it is more important to Chase Bank that they have {$12.00} from you because you have been poor the last month then a customer going to their only family on XXXX or to hitch hike down XXXX for XXXX to XXXX hours because that is the " other arrangement ''. 

I am closing with that I did not want it refunded. Just waived for one week so that I could go home. XXXX XXXX of XXXX Ohio ( https : XXXX ) Happy XXXX XXXX!!!!!!!
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AL)

my XXXX  complaint was a problem about getting my due date changed so i could stop getting the late fee of {$40.00} stopped. I got that changed [ it took XXXX  months ] from the XXXX to the XXXX, but that hasn't stopped the XXXX  charge. For my XXXX payment i mailed it on the XXXX XXXX XXXXXXXX for my XX/XX/XXXX payment. Barclays claimed that they didn't get it until the XXXX.I mailed it XXXX  days before it was due. I talked to them to try and get the late charge removed but it didn't help. I WAS TOLD MAYBE I SHOULD MAIL IT EARLIER. I can't do this!. IM on XXXX  and only get paid on the XXXX Wed.of each MONTH. My payment has to go from Alabama to CAL.THESE PEOPLE ARE RUNNING THIS OLD XXXX XXXX XXXX MAN CRAZY.CAN YOU HELP?
Consumer complaint received 2022-07-20
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-10-16
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: Aargon Agency, Inc. (NV)

Between the dates of XXXX XXXX I made a payment in full to XXXX XXXX. A few days after making the payment in full I noticed and collection agency, Aargon Agency reported the debt and was showing the same debt of {$3400.00} was unpaid. I  contacted XXXX XXXX and they confirmed that they do see that the debt was paid, I checked online and the bill is paid. XXXX XXXX also advised that they would report to the debt collection agency that the debt was paid in full. I went the extra step and contacted Aargon Agency and their representative outright bullied  me and claimed I had to pay them when I had already paid XXXX XXXX. So I gathered all of my proof of payment, submitted to XXXX  and XXXX. XXXX is currently working and investigating the dispute. XXXX  however refuses to remove/update my credit report despite me providing receipts and documentation including payment confirmation numbers directly to XXXX XXXX. I have submitted the dispute twice now with the supporting documents and each representative, the last one by  the name of XXXX in XXXX XXXX who refused to give her last name, stated that XXXX verified the debt with Aargon and therefore they would not remove/update my report despite the fact that she sees the payment confirmations.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (TN)

On XX/XX/XXXX, Suntrust allowed a wire transfer of {$2900.00} out of my daughter 's savings account, I am also on the account. There was not even {$2900.00} in the account. I saw it immediately, put {$300.00} in it to bring it to even. She works late shift, I had to wait for her to wake up from working until XXXX XXXX, she let me know she does not know what happened. It was not anything she did. We called the bank, and by the time we did, the {$300.00} that I had put in was also gone ... all of this happening onXX/XX/XXXX. The bank will not put the $ back in, will not do anything other than say " our fraud department will handle it ''. 10 days later, no $ has been put back, no updates. This was over 60 % of of my daugher 's funds. They closed the account on the XXXX.
Consumer complaint received 2019-02-21
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: Neon Newco Corporation (GA)

On XXXX XX/XX/2019, we received a Prepaid Credit / Debit Mastercard from  NETSPEND ( XXXX. XXXX XXXX, XXXX, TX XXXX ) with the name XXXX XXXX. XXXX XXXX is my XXXX year old son and never applied for any credit cards. We are concerned with identity theft and fraud by this company or whoever applied for this card. Again, my son is only an XXXX year old child. We tried to contact the company by phone but the only active number is to Activate the card. Also, the name listed is XXXX XXXX with an address of XXXX XXXX XXXX, XXXX, GA XXXX. Our address is XXXX XXXX XXXX XXXXXXXX, GA XXXX.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (FL)

The issue is that on my XXXX Credit Report .My Date Opened is incorrect. I have disputed it with XXXX three times and filed a complaint and a dispute through you CFPB and it still is has n't been updated. Date Opened needs to be updated to XX/XX/2016. It 's reporting incorrectly as, XX/XX/2016.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (GA)

On XX/XX/XXXXI settled a collection account with Diversified Consultants Inc, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by Diversified was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled onXX/XX/XXXX, Diversified had not yet been reporting the collection account on my credit report ( see attached 3-in1 credit report showing collections only, datedXX/XX/XXXX ). However, in XXXX, over a month after I paid the Diversified collection account, the collection agent [ Diversified ] reported a new collection account to the credit bureaus with a retro open date of XXXX. 
InXX/XX/XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX ] collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted Diversified again on XX/XX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the Diversified collection agent onXX/XX/XXXX via credit card. Additionally at the time of payment I inquired with the Diversified collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the 3 credit bureaus, and inXX/XX/XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the Diversified collection was settled prior to the account being reported, I filed dispute with the three major credit bureaus, XXXX XXXX, XXXX and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.
Consumer complaint received 2017-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

I have received a letter in the mail stating that I owe {$1100.00} to XXXX. This letter came from a collection agency called Convergent Outsourcing Inc . I do not owe this debt never have. I am filing a complaint against this company because their are a fake and a scam.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account needs to be removed as it is fraudulent : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On  XXXX   XXXX ,    2017  this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report