davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

O N XX/XX/XXXX, RECIEVE A LETTER FROM MORTGAGE SERVICING COMPANY SPS OUT OF XXXX XXXX XXXX, UTAH. THE LETTER STATE 1.) THAT THEY ARE SETTING UP AN ESCROW ACCOUNT WITHOUT MY CONSENT, 2.) THAT THE MONTHLY PAYMENT IS BEING RAISE FROM XXXX TO AMOUNT OF XXXX. THE PURPOSE OF THIS ACTION I BELIEVE IS THAT I AM COMPLAINING BECAUSE THEY ARE CHARGING ME  INTEREST ON AN ADVANCEMENT THAT ANOTHER MORTGAGE COMPANY USED TO PAID MY TAXES SEVERAL YEARS AGO ( MORE THAN 10 YRS AGO) AND THEY ARE DEMANDING THAT THIS AMOUNT WHICH IS DUE ON THE LAST PAYMENT OF THE MORTGAGE WHICH THE ADVANCEMENT DID NOT COME WITH ANY INTEREST DEVICES OR PAYMENT SCHEDULE OR A SCHEDULE TO WHEN IT WOULD BE DUE.SECOND THEY ARE NOT THE FRIENDLY COMPANY TO GET RESULTS FOR MY MORTGAGE. IF I HAD MY WAY I WOULD HAVE NEVER USE THEM.THIRD  THEY CONTINUE TO HARASS MY PHONE WITH CALL ABOUT MY TAXES AND HOME INSURANCE WHICH BOTH ARE CURRENT.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a transaction on my account that has been on hold since XXXX, 7 years ago to this day! I was unaware of the funds, as I thought it was a savings account. I was charged a service fee for this account on XX/XX/XXXX for XXXX. When I looked into the account and seen the number of funds in the account, I immediately wanted them moved to my current checking account. I have spoken to over 10 representatives regarding this issue, starting with the bank institution. No one has provided any information of than accusing me of fraud and money laundering. I was asked today by the case worker on my account to provide documentation that the funds belonged to me. I said who else would have funds in their account for over 7 years and it would belong to someone else. The bank caseworker XXXX XXXX then warned me again that the hold would not be removed and there is nothing else she can do. I am at my wits end here. I am being criminalized and ignored as a loyal customer for almost 20 years.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Lakeview Loan Servicing did not pay my taxes for XX/XX/XXXXuntil XX/XX/XXXX. On XX/XX/XXXX I requested to have my escrow account deleted. I received a denial letter stating there was a negative balance of {$540.00} therefore the escrow could not be closed. On XX/XX/XXXX I paid the negative balance in full ( conf # XXXX XXXX. At that time I was told the account would be closed in 3-5 business days. Today XX/XX/XXXXI was on hold for over one hour and was told the escrow account is still not closed. Asked to speak with supervisor and she didn't have any answers either. She stated that department was in a different building and could not be reached by phone, only email. She said she would escalate this situation but could not give me a time frame or a direct number for her to follow up with.
Consumer complaint received 2024-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I have contacted my Loan Servicer numerous times to get this problem resolved, each time to no avail. My most recent contact was today XXXX XX/XX/year>. 

On or around XX/XX/year>, I submitted an Income Based Re-payment Plan request to MOHELA, my loan servicer. This was done with the understanding that it would be processed, of course with the caveat of a longer than normal processing time. 

Over the past months they have been grossly inconsistent with expected timelines and went back and forth with whether or not it could be processed at all.

In the past two weeks, I have been informed by MOHELA that they would not be processing ANY Income Drive Repayment Plan requests. One representative told me this was by direction of The Department of Education, another told me this was by XXXX XXXX XXXX, and a third informed me this was by direction of an internal MOHELA memorandum. 

This is contrary to the following made public in updates provided by FSA on XX/XX/year>, and XXXX on XX/XX/year> ; " XXXX expects servicers to begin processing certain IDR applications that were paused following court orders affecting the terms and availability of IDR plans. '' After review all MOHELA service representatives have agreed with me in there being a gross miscommunication somewhere. However, none could assist me by ensuring my IBR request would be processed in a timely manner according to guidance made public by the very office MOHELA serves. 

In summation : Despite XXXX XXXX XXXX XXXX and XXXX XXXX XXXX making public remarks that loan servicers are expected to process Income Driven Repayment Plan applications, I have been told by numerous MOHELA service representatives that MOHELA does not currently intend to process such applications at this time.
Consumer complaint received 2019-07-30
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: Experian Information Solutions Inc. (CA)

THIS is NOT a DUPLICATE dispute Experian you state remaining account there is no remaining account that was false reporting to CFPB. enclosed is a fax I sent to XXXX /XXXX XXXX to whom you are reporting that states they do not own account. in my fax I stated that you Experian are pointing the finger at XXXX, I then phoned XXXX  and talked to them about your actions they were not happy stating again they do not own account .CFPB I have shown a clear case of credit reporting fraud and credit manipulation a violation of FCRA { Experian remove this account at once I am not asking for an investigation thats been done and all facts lead to you as fraudulently reporting inaccurate information as to credit manipulation. you are still reporting NON owner on credit report as of today
Consumer complaint received 2019-07-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (AZ)

The school was sued because they werent teaching the correct curriculum and didnt do what they were promised. So this debit was supposed to be canceled and I was suppose to be able to get my money back. I have e-mails messages stating that the debit is canceled, but is still reporting to my credit bureaus as a collection that is 15 years old. The credit bureaus state that collections are only suppose to stay on your bureaus for up to 10 years and then fall off. But these loans that were suppose to be settled are showing that they are 14 years and 11 months old and still showing on my bureau. Not only that they are reporting the same loan 6 times, making it look like I have 6 different student loans, instead of one. Please remove these from my credit report. Thank you
Consumer complaint received 2019-07-30
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. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX**** Collector : XXXX Original Creditor : XXXXXXXX Status : Unpaid Balance Amount : {$460.00}
Consumer complaint received 2019-07-30
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: Credit Plus Inc (NJ)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have three unauthorized hard inquiries on my credit reports XXXX, XXXX, and XXXX. I never gave this company permission to check my credit and when I contacted them they ignored my request. I requested to have the inquiries deleted.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union is the subject of this complaint : 1. Trans Union was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however Trans Union icontinues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my two middle names. 4. There is an upper tier underscored XXXX followed by a capital XXXX in XXXX. 5. Trans Union i is erroneously reporting XXXX XXXX as late. This car payment has never been late. 6. Trans Union is reporting an XXXX XXXX past due balance of {$20000.00}, when the payment is not past due. 7.  Trans Union and XXXX XXXX are over reporting the current loan balance of {$17000.00}. 8. Trans Union i is reporting unauthorized hard credit inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. Trans Union is improperly reporting the XXXX  of Atlanta, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer. 10. Trans Union ioriginally removed negative reporting from XXXX XXXX XXXX XXXX and [ XXXX ] XXXX Account with respective balances of {$22.00}, XXXX ; {$5100.00} ; {$4200.00} ; {$3400.00} ; and {$2700.00} but have since replaced these negative accounts on my credit report.
Consumer complaint received 2019-07-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I contacted all creditors in this Matter XXXX XXXX XXXX and USAA and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with XXXX XXXX and USAA had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.
Consumer complaint received 2019-07-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AR)

My son was renting out an apartment that I signed off as the Co-singer so he could move in for his spring college semester. We were sent a bill that was eventually sent to collections. We have taken care of this matter and have paid it in full. I'm currently apartment hunting and this issue denied me an apartment.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NY)

THIS APPLE CARD APPLICATION WONT VERIFY ME ITS NOT WORKING I CALL THEM TO TELL THEM THEY DONT FIX IT TELL ME REAPPLY AFTER 30 DAYS I WAIT SAME RESPONSE THEIR SYSTEM WONT VERIFY ME OR ALLOW ME TO APPLY HOW IS THIS FAIR AND GOLDMAN SACHS WONT DO ANYHTING TO ADDRESS THIS
Consumer complaint received 2019-07-30
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX reported as charge off with balance but 3 credit bureaus report different credit limits! XXXX   XXXX reported as charge off when In fact I was never late.. I paid the account on time until I was able to fully paid them. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Credit Bureaus violated federal law by not properly investigating within the required time frame
Consumer complaint received 2019-07-30
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. (OH)

I contacted Transunion, XXXX, and XXXX  on XX/XX/2019 in dispute to remove a bankruptcy from my reports. XX/XX/2019 both Transunion and XXXX   responded saying they verified the bankruptcy  as accurate through XXXX XXXX. I then contacted XXXX XXXX XX/XX/2019 for my full file disclosure, I received the reports and there was no bankruptcy on the files I called and spoke with a rep and they stated they never received anything from the bureaus and it must've gotten lost in transit they didn't verify anything. I have a copy of my XXXX XXXX report.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

There is a student loan account that is reporting on my credit report in which I am unsure that student loan belongs to me. I have tried contacting the school via correspondence ; however, I haven't received any documentation suggesting that this account belongs to me. 

I never received any documentation or invoice regarding this account.
Consumer complaint received 2019-07-20
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: EQUIFAX, INC. (FL)

My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

This has been going on for nearly a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation.
Consumer complaint received 2019-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (CA)

I was overcharged for an installment loan and when I asked to pay my entire balance off, XXXX XXXX. ( via XXXX XXXX email address at loan at last ) said, Your pay off balance as of Friday, XX/XX/XXXX is {$490.00}. I scheduled the payment. The payment posted. Then I get another email saying I owe $ XXXX more for a delinquent payment that I missed in XX/XX/XXXX, which they apparently partitioned from my main loan amount giving me two separate debts stemming from the same loan. I asked to pay off my debt. And I did. At this point I dont trust the totals XXXX XXXX XXXX is giving me. Fool me once ... Given the fact the initial loan was for {$300.00} and that XXXX said my pay off balance, meaning everything that I owe, was {$490.00}, I feel Ive paid more than enough in interest and fees.
Consumer complaint received 2019-07-21
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST. I sent a second letter to TransUnion on XX/XX/2019 via certified mail USPS. Received on XX/XX/2019 at XXXX XXXX. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX and XXXX has removed this unverified account, ( see attachment for proof ) Third party verification is not Verification under the FCRA You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demanded the following account be verified or deleted immediately. 



Account in question ; US BK COURT XXXX XXXX Unverified Account
Consumer complaint received 2019-07-21
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: Experian Information Solutions Inc. (NC)

The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. XXXX, Experian, XXXX.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX  - Acc # XXXX - PAID This was disputed and then removed from my credit report under the name "XXXX XXXX", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXX  was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I sent a wire to XXXX XXXX in XXXX TX who did not honor our agreement despite multiple attempts to fix the issue. 

Therefore, in XXXX, I disputed the item with JP Morgan Chase. They issued a temporary credit and I thought that was the end of it because I doubted XXXX would rectify it through them either. 

However, Chase is now refusing to honor the chargeback because despite using a debit card, I had wired the money. Their ridiculous claim is that since XXXX XXXX processed the money, it was against them and that it was verified. I specifically advised that the money was a payment for a service not rendered. They don't care about that. I would appreciate someone remind the bank that it is a chargeback for services not rendered and therefore, my chargeback should not be reversed and that they should fight with XXXX XXXX where XXXX has his fraudulent assets.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/2019, I made a hotel reservation for the weekend of XX/XX/XXXX using my Chase credit card through XXXX. Due to a medical emergency with my fiance, I had to cancel my room on the morning of XX/XX/XXXX with XXXX. I was told to use my travel insurance from XXXX which is sold by XXXX. After XXXX wanted a copy of her ER paperwork, which she didn't feel comfortable releasing at the time, I used my credit card company 's dispute process. The rep disputed both the hotel charge and the insurance fee I was then issued a refund. On XX/XX/XXXX I got a call from Chase saying that there is a no refund policy with XXXX and there was nothing they could do about it. I then received a letter from XXXX stating that since the insurance disputed I can't file a claim. Now I am on the hook for {$480.00} for a hotel that I never went to with no way of getting it back.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

XX/XX/19 For the last 2 hours I tried probably a dozen times to contact Experian to reset a security freeze via phone and website. No option by telephone with probably six calls. By website I'm repeated told PIN # is not valid after completing the same form. The PIN in my file and sent today via email is rejected. Help! This astonishes and concerns me that a powerful organization blocks legitimate access. 
Thank you,