davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. I am well aware TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and my rights were violated by TransUnion. I am asking you to help me make TransUnion stop victimizing me. As a resolution I ask kindly for  All  TransUnion inquiries affcted by the glitch to be deleted permanently from my report as a violation took place when they were illegally added.   XXXX  Thanks in advance
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (OR)

I applied for a checking account with a {$200.00} bonus from BBVA. I met all the requirements that they listed but it's been almost 4 months and they haven't deposited my bonus. They also don't respond to inquires about this, and have overall very poor customer service.
Consumer complaint received 2017-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (DC)

CitiBank was my Student Loan Lender until XX/XX/XXXX. My loan has since been sold to XXXX. <P/>On XX/XX/XXXX my father unintentionally made a {$1500.00} payment to my old CitiBank Student Loan Account through his XXXX XXXX on line payment checking account. In the past, he had occasionally submitted payments to assist me with paying down my student loan debt with Citibank. As such the account was still in his online payment menu. The {$1500.00} payment was intended for a different recipient. As documented by XXXX XXXX in Exhibit A, the payment was processed to the CitiBank on line Payee and accepted by the account as listed below : Citi-The Student Loan Corporation XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX Student Loan Acct No XXXX To date, it appears that above account is still active and accepts on line payment, even though Citibank maintains they have no record of the account number, they have since closed the account, and closed accounts will bounce back the payment automatically to the originator. It is also my understanding, they no longer have a student loan operation. As of XX/XX/XXXX, no payments have been returned by Citibank or XXXX. XXXX states the payment needs to be returned by Citibank ; Citibank states that XXXX needs to rescind the unauthorized payment from their end. As a consumer, having spent 20+ combined hours in person and by phone, my Father and I are at this point seemingly powerless to large institutions who do not seem to care enough to do what is right by their hardworking customers. As such, we are filing an official complaint with CFPB.
Consumer complaint received 2017-07-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (OR)

To Whom It May Concern, I had a Money Wire transaction last XX/XX/XXXX with the Wire Transfer Date of XX/XX/XXXX from my Chase Bank Account to Bank Account ( XXXX XXXX XXXX ) of my Parents in the XXXX.
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Banker XXXX XXXX has promised to have the money transferred in the next 24-48 hours only. However until XX/XX/XXXX - Date Funds will be available to recipient, the money was still not transferred. <P/> I followed up XX/XX/XXXX and call the Chase Bank Office branch in XXXX in Oregon ( XXXX XXXX ) and found out that the transaction was rejected with no reason or no notifications on my end or whatsoever.
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I am writing this complaint since this unpleasant service are very impacting on various aspects : 1. My Loan payment in XXXX is now overdue and gaining interest day by day, 2. Part of my money transfer are for my remittances for the basic consumption of my aging parents - medicines, food, house rent.. and lastly 3. It takes a 2 hour commute back and forth for my Parents ( both are in XXXX Years of age ) to go to the bank. They went 3 times last week - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, however fund was still not available causing unnecessary stress and waste of time.
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Requesting for investigation why I am not notified on time.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Transunion will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual report.
Consumer complaint received 2017-07-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a mortgage with USAA, which is being serviced by XXXX. I have attempted to make extra payments on my loan in hopes of lowering my interests and shorten the terms of my mortgage. Rather than applying all payments towards my mortgage, USAA through XXXX, does not apply payments as they are received. Instead, my money is placed into an unapplied account. This means USAA applies only 12 of my 13 payments, which does not lower my interest or shorten the life of the loan. I have complained about this process with the CEO of USAA and other executives. I ca n't up and move my mortgage, which USAA knows. USAA also will not change the servicer of my loan. This prevents customers from paying off the loan sooner and keeps money in the banks pockets.
Consumer complaint received 2017-07-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (HI)

I Was paying through XXXX and next thing i lost my job I could n't afford it? Then got a Job as a XXXX n my boss tells me I 'm getting garnish from Some Student loan I owe and this was back in XXXX and now! I 'm still paying plus getting harrassed with phone calls from Navient
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I spoke with XXXX XXXX XXXX corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that XXXX XXXX XXXX would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from transunion credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about XXXX XXXX XXXX and transunion. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however transunion just keeps updating it and not deleting it off my report along with XXXX  it is still reporting.
Consumer complaint received 2018-04-16
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: All State Credit Bureau, Inc. (MI)

I received an inquiry on my credit report on XX/XX/2018. I am not applying for anything. I called the Allstate Credit bureau which is listed and they indicated I should call a XXXX XXXX I did not authorize this inquiry and it should be illegal to pull someones credit. Allstate Credit bureau also not not have a valid license to collect in the state of Michigan. I have no clue what is going on. My credit was pulled without approval by an unlicensed or bonded company in the state of Michigan.

Their inquiry or attempts to collect on anything that has not been verified or validated while they are not licensed must be cease and deleted from my reports. I am not in any way acknowledging anything because I dont know whats going on but they are not licensed if bonded. Michigan requires the license as well.

If the need is present to go to my attorney general and XXXX I will Thai is wrong Im so many levels.
Consumer complaint received 2017-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I 've sent numerous request to this company via certified mail requesting proper validation for a debt that they claim I owe them. Each time the company has ignored my request for validation and sent me a summary of a bill. I have with the company that the FTC opinion letter on itemized bill. However, they have yet to provide me with any documentation showing that I have any type of agreement between me and the company. Furthermore, when I first contacted this company with my dispute, they failed to mark it disputed with the credit bureaus with the allotted 30 days as required by the FCRA & FDCPA. After doing research with the court systems on this company in my state, which is Texas, I found that this company have had many complaints filed against them, and have bought suits against many consumers without having a " consumer agreement '' stating that money is owed to them by the consumer. I have also requested a copy of such agreement from this company, and I have been ignored. I am not obliged to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. This company is known for using bullying tactics on consumers in order to scare them into paying a debt that they do n't owe to them. I am attaching copies of my correspondence with them, and their response that they have continued to send me. Please be advised that the copy of their response that you are receiving is what they have continued to send to me ignoring my request for other information.
Consumer complaint received 2017-07-04
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. (TX)

This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXXXX  2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that XXXX XXXX XXXX is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from XXXX XXXX XXXX  because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If XXXX XXXX XXXX refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final  attempt to get this matter corrected and effectively resolved. Thanks for your assistance.
Consumer complaint received 2017-07-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC (VA)

On XX/XX/XXXX, our home was ratified/contracted for sale with expected closure date on XX/XX/XXXX. Prior to showing our home, the buyer, their agent and the lending firm, CityWorth Mortgage LLC provided a letter to our agent that the buyer ( s ) were qualified to purchase our home. While negotiations were made to put our home under contract, we accepted the offer. <P/>Between our agent and the buyers agent, several attempts by our agent were made to ensure the buyers loan had been fully approved. As the seller, we were told by our agent that the buyer 's agent stated many times that there were no need for worries as the buyers were fully qualified and will have no problems obtaining the loan. <P/>On XX/XX/XXXX, we were notified by our agent that the sellers did not qualify for this loan through CityWorth Mortgage LLC and upon further investigation with discussions from our agent, the individual handling the buyer 's paperwork had been let go. During the time between XX/XX/XXXXandXX/XX/XXXX we ( the sellers ) have had gone through the appropriate requirements, such as the Home inspection and took care of the items the seller requested to have fixed, such as Radon, Termite Inspection and  some minor repair to our roof. In preparation for settlement, we have gone through and have moved all goods from our home with the exception of the items the buyers conveyed. <P/>The buyers and their agent were well aware of our intent to retire when discussing the sale of our home which required to schedule and make arrangements to ship our goods to our new location which is outside the U.S. Per our agents discussion, the buyer and lender were to provide proof of loan qualification on or about XX/XX/XXXX <P/>The fact that we had not received any formalized proof prior to XX/XX/XXXX and were told that the buyers are fully qualified from their agent to find that they did not qualify due to credit issues points to fraudulent and negligence as well as deceit on behalf of the Buyer, their Agent and the lender CityWorth Mortgage. <P/>We received notification from our Agent on XX/XX/XXXXwith documentation that shows the buyers clearly were not qualified for the loan. <P/>We are now living in an empty home and have our goods being shipped to our new location, costing us thousands of dollars, adding stress to our lives and potential for our own financial issues due to the buyers and lenders negligence. <P/>We are filing this complaint to address this issue and make awareness to sellers who fall victims to lenders and real estate agents that assure buyers meet qualifications.
Consumer complaint received 2017-07-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MD)

On XX/XX/XXXX I logged onto XXXX XXXX to check my credit report when I noticed a debt in collections for {$700.00} that said it was open in XX/XX/XXXX from Midwest Recovery Systems. I contacted the company in which they told me to just pay the debt, but I never took out any payday loans. I will be calling back to Midwest Recovery Systems to retrieve paper to verify that this is not my debt owed.
Consumer complaint received 2017-07-03
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. (AL)

I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY TRANSUNION CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A  RE  INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM   XXXX   AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES
Consumer complaint received 2017-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. ()

On XXXX XXXX, 2017, I called Navient as my payment was due. I work and live in XXXX and have been able to previously set up reoccurring payments through my foreign debit card since I can not pay through an international bank. This call was meant to set up a new round of these reoccurring payments via a debit card.
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While we were setting up the new payments I was informed that I was 2 payments overdue. I asked if they could see why since I was covered until the XXXX XXXX payment. They said they could only see that the payment did not take.
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While processing the order to set up the new reoccuring payments and pay for the 2 overdue payments, they state my card would not go through because their system was viewing my debit card as a credit card and would not allow the payment. Apparently 2 months prior they decided they would not longer accept credit card payments which is why I was two months behind even though I was not informed my card would no longer be accepted.
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Since I have been working and living abroad for the past five years, using my foreign debit card was the only way I could make payments on my loan. They are now telling me that it is not an option only because their system deems my debit card as a credit card.
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They have given me no feasible options to correct this and given the time to find any sort of solution I will now be three payments behind and have to deal with those fees.
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It seems counter-intuitive that they refuse to help someone who is trying to pay back their loans just because they work and live abroad and do not have access to a XXXX XXXX account.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

They are blocking me from getting my report and I do n't know why. And I have many hard inquiries from  XXXX  /  XXXX    XXXX   XXXX    XXXX  without my consent.
Consumer complaint received 2017-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC. (CA)

I notified XXXX to cancel my account as it had not worked for over a year on the date I made m y last payment. They billed me again the next month after I had cancelled. I wrote a letter again telling them I had cancelled the previous month. The next month I received another bill for another months service. I called them and told them that I had notified them two times I had cancelled. They said that I had to use their cancellation form on their letter head to be able to cancel. They then billed me for another month of service. I asked them if they had received my first cancellation notice. They said they had but would not cancel the account until they received the official letterhead cancellation notice. I do not feel that I should have to pay them for an additional three months after I notified them to cancel and they acknowledged they had received this notification. There system had not worked for over a year yet they continued to bill me. This was a home protection system and they should have realized it was not working and notified me that it was not working but they did not so I actually feel they owe me for the year in which the system did not work and I am going to send them a bill demanding a refund for what I feel they owe me. I have told them this many times on the phone and in writing and they continued to harass me with phone calls, letters and now a collection service. This is just another way to get more money out of people and is wrong. They still have n't even picked up their equipment which is still in my home.
Consumer complaint received 2017-07-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I submitted disputes on my credit report with XXXX, Equifax and XXXX on XX/XX/XXXX. I included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.