davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OR)

I have been disputing a judgement for over a year. The judgement has been paid since 2013. Every time I dispute the judgement showing not being paid the results are that the company who placed it there verifies that it is correct. After a few attempts to dispute this through the credit bureau and getting the same result every time I contacted the court that the judgement went through and the company who placed the information on my credit report. The court says the judgement has been paid and they sent the paperwork stating such to the company who filed the judgement. I then contacted the company who filed the judgement and they confirmed that the judgement had been paid. They sent me a letter stating such so that I could provide documentation to the credit bureau. I sent the letter to the credit bureau and the response I received was that they could not use it to make the changes and would have to verify the information with the company who provided it. I am not sure why the company who put this on my credit report is still verifying it as correct, if they are in fact verifying it as correct, or why they did n't update my credit report in the first place. Every time I have to correct a mistake, correct an account, etc. I have to provide documentation such as drivers license, proof, etc. and sometimes even that is not enough, while the company who put the information on my credit report or is verifying the information only has to do so verbally.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

I have a negative item on my report that is being reported twice under a similar name. I sent a dispute on XXXX/XXXX/2015. I received a reply dated XXXX/XXXX/2015 stating that the item is " currently being reported as a single item '' however, a report run two days after the date of their letter shows it still being reported twice.
Consumer complaint received 2015-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (FL)

Hello, I am disputing this bill because it was never submitted to my XXXX Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over XXXX years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00} Credit Reporting Company Equifax
Consumer complaint received 2015-11-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK (CT)

University XXXX , CTXX/XX/XXXX Discover Student Loans verbally harassed and disrespected me. They called me at inappropriate times, they hung up the phone on me, they stole money from me, they gave me the run around, they reported my loan to collections. XX/XX/XXXX they overcharged me on student loan payments. The charged me late fees when I was n't even making any real money. I signed up for an Income based repayment plan and they took out more money than was authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would. I ended up waiting an additional 2 weeks for XXXX refund. They stole more money out of my account a second time and I had to wait another 2 weeks for a XXXX refund. They never gave me a fair chance at paying off my student loan. I have complained numerous times XX/XX/XXXX and here we are XX/XX/XXXX with no help. The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. I think I got harassed because I do n't have a white sounding last name, or because Discover Student Loans has a history of illegal practices.
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have asked multiple times for XXXX, XXXX XXXX and Equifax to correct or remove the public record Ch. XXXX Bankruptcy. They have not and continue to report it as a new Bankruptcy. My credit report needs to read " Date Filed : XX/XX/XXXX. '' " Date Successfully Completed : XX/XX/XXXX '' All XXXX credit bureaus have this as a New Bankruptcy and they refuse to correct their wording.
Consumer complaint received 2016-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ACCESS GROUP INC. (CA)

I have reviewed my XXXX Credit Report and have found multiple issues with out of stature accounts reported as collection charge offs with various creditors as well as Student loans being reported 30 or 60 days late while under deferments. I also identified erroneous billing issues due to promotional interest rates of 0 % for 12 months being billed at 21 % and my inquiry to this with the credit directly goes ignored.
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have gotten a divorce and my ex had taken out XXXX credit cards using my financial information. They want me to get her name off the mortgage now. Last XXXX I started that process with Bank of America who holds my mortgage, while my credit was still up. They closed the process on me in XXXX with no notification at all.. I then had to go to getting a Loan Assumption because the credit cards the ex had gotten and not paid were now dropping my credit below XXXX. Bank of America told me credit rating was n't an issue with the assumption since I was already on the mortgage. They were more focused on ability of repayment, which my attorney, work comp, and Long Term XXXX carrier all sent necessary papers covering that. Then Bank of America sent me a denial letter stating my credit was n't good enough for them. They lied to me. I am about to lose the only home I have and worked for, for 30 years. My ex is trying to force it to be sold to make me move. I just had back XXXX in XXXX and XXXX XXXX XXXX XXXX XXXX, 2016. My granddaughters live across the street and my wife ran off with my best friend from church. I only have a short amount of time to get this done before she has the judge force me to sell. I just need her name off the mortgage and to assume the loan, which I was told would not be an issue then they lied and denied me. Bank Of America has been penalized here in the recent past for their wrongful and unethical loan & mortgage practices, and it seems they are at it again at the expense of us poor XXXX Veterans and XXXX.
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I keep getting phone calls about debt that has been settled and or out of date, or that I was not even aware of having. These same people are calling my elderly mother and father inlaw too. 
I have checked my credit report and none of the businesses are on it. They are trying to get me to settle out of court. 
He says he is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I can not find a business at this address.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TN)

I am filing this complaint because Experian has continued to ignore my request to provide the documents that they have on file that was used to verify the accounts I disputed. Being that they have exceeded the 30 day mark and can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX, XXXX Complaint : Mortgage Servicer I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the XXXX. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with the filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment
Consumer complaint received 2016-01-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (IL)

XXXX/PPC PayPal ran an unauthorized hard credit check in XXXX 2015. It was listed on my credit report. I never gave consent or inquired about a credit line/credit card with PayPal. This is now on my credit report for 2 years and affects credit score.
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation (PA)

The night before closing XXXX/XXXX/15 at XXXX we received a phone call from our real estate agent stating we had to bring additional money to closing. We initially thought we were going to make a cash profit on top of our XXXX percent down payment from the home that we were selling. We got this information from the closing disclosure we signed on XXXX XXXX and that total was {$52000.00}. In the beginning of obtaining the mortgage on XXXX XXXX, 2015 we were given an estimated closing disclosure but we were continuously told that it would change. On the night before closing, our agent called to tell us that the FINAL disclosure was incorrect and we were to actually pay the estimated amount on the closing disclosure {$55000.00}. This was all conducted over the phone and no one from the mortgage company or Coldwell banker provided us with any information via email until XXXX. I do not understand how an official document that we signed can be altered less than 24 hours prior to closing. It was very unprofessional and we felt as if we were being taken advantage of or that we were being scammed by our agent/ mortgage company. Essentially we were responsible for paying for their mistake.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (TX)

Our loan was scheduled to be closed on Friday, XX/XX/XXXX at XXXX. This has been the date for the entire loan application process. Today ( Tues XX/XX/XXXX ) our realtor received a call from our lender 's closing department informing her that the Settlement and closing documents are being sent out today to review online, and " due to new guidelines '' and citing a holiday tomorrow XX/XX/XXXX the closing now has to be postponed until Monday XX/XX/XXXX. This is not necessarily a complaint against my lender. This is a XXXX customer who now has to re-schedule moving company, allow the seller an extra 3 days of lease after the delayed closing date due to the fact that they have to close on this house prior to closing on their new house, all because of these " Know before you owe '' guidelines that " will not cause any delays ''. In the real world, they do cause very costly delays. There needs to be a way that mortgage applicants can choose to waive these new guidelines.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I chose RP Funding as the mortgage company I wanted to use for my refinance of my home based on commercials saying they would cover all closing costs. I owe XXXX on my home, and am looking to refinance for a larger amount to buy another property for cash to live in or possibly flip to resell. I was also going to be putting 20 % down on the new property out of my own savings account which left me with a loan amount of $ XXXX. I was pre-approved by RP Funding for this amount and was told put the deposit down on the new property for XXXX. XXXX XXXX guaranteed that I would have no problems getting this loan due to my high credit score and also my low mortgage on my home. I completely trusted her and let the loan process take place which lasted XXXX XXXX months which was way longer than I was told. The process took so long because over a month later, XXXX XXXX called me to ask all the questions about the loan all over again like I was reapplying! I thought that for the entire month I was waiting on underwriting to process this loan but come to find out XXXX XXXX at RP Funding did NOT do her job! I was furious because I had to ask for an extension to purchase the new property. At this point, I have XXXX invested in the new property and l am starting the whole process over again with RP Funding! She asked for all my information yet AGAIN and now I am waiting on underwriting. I was told by XXXX XXXX that we could close by XXXX XXXX. Once again I waited over a month, having to ask for another extension to purchase this new property for cash from XXXX XXXX XXXX. They gave me another extension based on my proof of funds from RP Funding. XX/XX/XXXX comes around, I am concerned about closing on time because I do not want to loose my XXXX deposit. I called XXXX XXXX at RP Funding numerous times. She decides to finally return my call the day before I am suppose to close and tells me that underwriting came back with a counter offer that is XXXX short of the loan amount that I need! I do not have time to come up with another XXXX out of my pocket on top of the XXXX that I am already putting down in less than one day! Because of RP Fundings mistakes of lack of communication, loosing all my info after starting the process a month later and then telling me the day before they guaranteed I would close on the new property, I have now lost XXXX on my new purchase. I am devastated and furious at this point so I call the COO of RP Funding, XXXX XXXX and explain what happened. She says she is going to open up an investigation about my case. She promised to contact me after about 4-6 weeks to let me know if RP Funding was in fact wrong and would return the deposit money to me. Its now been 8-10 weeks, and I have called, emailed SEVERAL times and I have been completely ignored. RP Funding does not care to return any of my calls, emails and have completely ruined my chance at purchasing anything else in the future. I am very upset and demand an answer from RP Funding.
Consumer complaint received 2015-12-20
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

MY XXXX XXXX XXXX $ TO XXXX. THE POST OFFICE THERE GET INVOLVED IN A FRAUD. HE GAVE : XXXX XXXX $ INSTEAD OF XXXX . 
BECAUSE HE CLAIMED THERE IS FEW SPELLING ERROR WHICH IS CORRECT. 
I WANT TO COMPLAIN FOR THIS KIND OF FRAUD. 
THANKS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-11-10
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

We received a modification in XX/XX/XXXX 2014. I was laid off of my Job XX/XX/XXXX of the same year. We applied for another modification Through our servicer USAA. We were denied and then appealed it because of missing information ( copy inclosed ). We were told that per VA guidelines we are only allowed XXXX modification every 3 years and only XXXX during the life of the loan. Please assist us with this. Thank you
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

Credit card Debit from HSBC was paid in XXXX and credit bureaus removed the account from my credit bureau reports in XXXX. Removed from my husbands credit bureau reports for between XXXX. XXXX XXXX creditors continue to harass mu husband, myself, and other members of our family threatening to have us arrested, have us served papers, calling us names, using profanity and not providing exact company names and sometimes not providing good call back numbers. This has continued for 3 years now and it has got to stop. We have filed multiple complaints with FTC and all credit bureaus with no help. The state time law limits have passed and the evidence has gone and we need to be protected. The collector called my phone looking for my husband and said they were from XXXX XXXX and were going to sent someone to have my husband served and possible arrested if he did n't pay a bill that he is refusing to pay. The number on the caller ID was XXXX and the call back number she gave me was XXXX. When I explained that we had talked to an attorney already and the debt was paid years ago and I was happy to fax proof over, she stated they did n't operate with faxes. I have had to fax this proof and documentation to multiple companies over the years and I am sick of it. Please make it stop.
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As you can see from attached picture Capital One is reporting I have disputed this account. I do not know what this acct is and aparently neither do they. I spent XXXX hours, XXXX transfers and XXXX hangups speaking with reps in various departments. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX others whos names I could not understand. I was transferred to XXXX Bank once who had no record of this acct either, after I was told it was theirs. Lastly i was told the information is old and they can not help me and was hung up on. That was XXXX. All i want is some help with this as it is hurting my chances at mortgages.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was checking my credit report and I saw a credit card from XXXX XXXX was opened in XXXX XXXX and I was n't in this country! I got to this country in XXXX XXXX XXXX and the credit report says that I have a balance of {$1200.00} and I have no idea about that credit card and I can prove the date I entered to this country
Consumer complaint received 2016-01-09
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (MI)

I am receiving threatening phone calls from a XXXX Number, XXXX, stating that i owe money for a default pay day loan from XX/XX/XXXX. Check N Go is the company. The man, who has a bad XXXX accent, stated if i did not pay immediately i would be arrested and charged with XXXX different things. I asked for a verification of debt letter which is what Check N Go collections told me to do, he refused and got angry. Told me i had to pay at a XXXX XXXX store which i found odd. I asked why i have never received anything prior to this in almost 6 years and he said they sent me 2 letters but no one was there to receive it. Wouldnt they leave a note saying a certified letter was trying to be delivered? I have never received anything. I spoke with them on XX/XX/XXXX, when it started, on XX/XX/XXXX asking for the verification letter, which he said he would email and never did, and tried to call on XX/XX/XXXX and XX/XX/XXXX with no one answering. 
Check N Go stated i do have a debt but collection agency they sold it to is out of business so they cant help with who i actually owe. I will gladly pay any debt i have, but this guy and place seem like a scam. I dont want to give my money to someone who wont verify who they are. XXXX says their number is an IRS scam snd when i told him this, he got angry. I need to know what to do. 
I have the threatening email, screenshots of dates and times i called, and the email i sent in reply asking for more information. Which they never responded to.