davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

XX/XX/XXXX I entered into a Modification Agreement with RBS Citizens Bank, in which I promised to repay the outstanding balance over 30 years at a fixed rate of 5 % APR. My principal balance of {$99000.00} would be payable over the next 360 months in equal payments of {$530.00} which includes any interest accured during the billing cycle. My first monthly payment at this new amount would begin XX/XX/XXXX. 
I have now made XXXX monthly payments of {$530.00} of which none of the payments are going to my mortgage. Citizens Bank has added on to the agreement an " accrual adjustment '' of {$6400.00} and also are charging me a " Discharge Fee '' of an additional {$28.00} every month. None of these charges are in my agreement or ever talked about. 
When I contacted my branch in XXXX as to what was happening, they made several phone calls of which nobody seemed to know what to tell me. Another phone call was made when I approached the bank the next month because I did n't hear from anyone. After doing this for several months, I finally got a call back from Citizens Bank and was told I would hear back within 24 hours. As of XXXX XXXX @ XXXX, I have never heard back from the bank. 
XX/XX/XXXX my attorney filed a formal " Notice of Error '' pursuant to XXXX XXXX and have not had a response to this Notice of Error from Citizens Bank as of this day, XX/XX/XXXX. 
I need your help again ... At XXXX years young XXXX, I do n't need this horrible treatment from a bank that I have been a customer for the past 32 years. This bank advertises " We 're committed to you '' ... ..I do n't know who " you '' is but it certainly has n't been me.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MI)

Had been receiving robo calls about lowering an interest rate to 1 % on a CC. We always just hang up on it. Today XX/XX/2015 I stayed on the line. Very convincing person who goes by name XXXX XXXX operating number is XXXX I chose to go a head with the call due to having some difficulty with our finances and Im always trying to save money. 
I did tell him that I changed my mind because it did not see right.
Consumer complaint received 2015-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (MA)

I have written to Southwest Credit Systems requesting - " proof of the validity of the debt claim made by XXXX, including detailed proof of the amount owed and any interest charged on the alleged debt ; documentation of any and all communications with me regarding the alleged debt ; proof that Southwest Credit Systems is licensed to collect debt in Massachusetts and has a valid legal right to collect the debt ''. To date, Southwest Credit Systems has ignored my request and is falsely reporting this information.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

As a consumer by law, these accounts on this letter must be updated or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we have already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FL)

The American Express credit card from XXXX has decided to close all the present accounts and transfer to a XXXX Credit Card. Upon closing the accounts ( Nationwide ) XXXX consumers will be subjected to a hit on their credit report for American Express closing these accounts. There is nothing any of the XXXX American Express credit card holders can do. As soon as their cards are closed ( By XX/XX/2016 ) all consumers will have their credit scores negatively impacted by closing of these accounts. There is nothing that can be done. I tried to keep the account open, they will not and no other consumer will either. This is a business decision done by American Express which will negatively impact XXXX consumers credit scores/reports ( including my own ) by closing this credit card account and opening the new account. I contacted American Express and they indicated that there is nothing they can do and that each person can contact all major credit companies and dispute this on their own, which is not only something an unsophisticated consumer will not do, but since Amex is closing the accounts, nothing they will do either. This is an engregious practice negatively impacting the credit scores of a a large number of consumers for the whim of American Express.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX XXXX. I been trying to solve an issue with dish network for the longest, i never had dish, my son XXXX XXXX XXXX had XXXX went the XXXX worker come to my house my son live in the garage He ( XXXX XXXX ) ask to install dish my son did n't have a credit card the dish work ask my son to ask me, to make a XXXX time payment, I said ok but that this is not my account the XXXX work said is ok the account would be my son XXXX he sign the contact, I explain this to XXXX, also the colletion XXXX. this company dosent want to hear it my son call then to tell XXXX that this account be longe to him to no avail, they sill would n't take this account off my credit I do n't know what else to do, please help me with this problem sincerely XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-01-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: MORGAN STANLEY & CO. LLC (CA)

During XX/XX/XXXX we obtained a line of credit from Morgan Stanley Home Loan ( MSHL ) for the amount of {$200000.00}. We used this line of credit throughout its 10 years period. It matured XX/XX/XXXX. When it matured XX/XX/XXXX, we asked MSHL to give us some time to refinance it and payoff their loan. They did cooperate with us and we did continued making payment on time paying even above the regular payment. 
On XX/XX/XXXX we received a set of loan document from MSHL regarding a new Home equity Line of Credit Modification. The fees were very excessive, we told them that we are not interested in that loan. XX/XX/XXXX we send them a qualified letter ( RESPA 12 U.S.C. Sec. 2605 e ) and requested complete history and documentation for this loan. The reason for this request was that we received a check in the mail for small amount from an attorney for a class action settlement for MSHL misconduct and mishandling mortgage loans. Meanwhile we were making our regular monthly payment timely and sufficiently. 
MSHL after receiving our request RESPA letter, not only did not respond to our RESPA letter sent through certified mail, they transferred the servicing of this loan to XXXX their Collection company. They also stopped accepting our payment. We insisted on making our payment. They refused to take the payment. 
Since then, we have been trying hard to get a complete history of this loan to pay it off. We have not been successful Until a few months ago, we filed a complaint through Consumer Financial Protection Bureau cfpb. Thanks to cfpb we did finally got a satisfactory response to our request on XX/XX/XXXX. 
On XX/XX/XXXX we responded to their response. We brought to their attention a few mistakes in their response and also stated to them that we are ready to settle this loan immediately. The amount of the settlement has to be {$180000.00}. This is the amount of the loan at the time they stopped accepting our payment and were not able to give us a complete loan history according to RESPA law. 
So far we have not received any response to our offer dated XX/XX/XXXX. We are getting automated letter and settlement demand from XXXX for much higher amount. We expect a response to our offer of settlement. We have set aside {$180000.00} for paying off this loan for the past several years. We are still waiting to get a response and fair settlement for the right amount.
Consumer complaint received 2015-07-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (MN)

I originally went to school at XXXX in XXXX mn. I graduated in 2007 from there. I have been dealing with medical conditions throughout the years and currently am waiting for my XXXX trial, so working is out of the question. I spoke with aes a few weeks ago and the young man i spoke to, emailed me the forberance form to fill out and send back. They said they received it between the XXXX of XXXX. i didnt get a response until over two weeks later, it turns out the young man sent the wrong form, so now they are tacking on more interest at a ridiculous rate. My original loan amounts totaledXXXXXXXXXXXXThey added alot of interest over the years and they then as of yesturday totaledXXXXXXXXXXXXThats ridiculous amount of interest almost XXXX the amount and now they did it again with a letter today saying that my payoff will beXXXXXXXXXXXXThere is no way on earth i could ever afford this. It seems illegal to all of a sudden charge that much for a XXXX dollar student loan. I have no assets and no job how in the world do they expect to get there money especially when they keep jacking up the price. I called again asked if they would consider settling. I would go to the bank and take out a small loan to hopefully pay this off in full so that way i dont keep drowning. I got told a flat out no and that my loans were not eligible to be written off even if my XXXX goes through. I want to scream i dont know what to do they are money hungry and wont cooperate. Please help
Consumer complaint received 2015-07-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation (TX)

Performant Financial at XXXX has contacted me repeatedly ( three calls today XX/XX/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him.
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I am a victim of fraud and have submitted all paper to XXXX in regards to " Defense against Repayment '', for my federal loans.I am a graduate of XXXX 2009.My loans are thru Navient account # XXXX.I am current on my " private loan '', my federal loans are in deferment.My complaint is against Navient.After countless hours of research I was never notified by Navient that I was eligible for a class action law suit against XXXX.It is my understanding that my lender Navient should have notified me.I have called countless times in regards to information about XXXX and it is unexceptable not XXXX representative has any idea of what I 'm talking about.i have asked for assistance with private loan and have been told " what can be done has been done '' interest only payments '' XXXX a month .A loan that has grown from XXXX to XXXX.since repayment in 2009.I am gratetful that XXXX is getting what it deserves as I am a victim of misrepresentation that has destroyed me financially.I am XXXX in debt based on lies and fraud.I am requesting that Navient educate their representatives and if a class action suit is available against XXXX, I should have been notified by my lender Navient.I thank you for your time and any assistance I can get to pursue discharge of this fradulent loan Thank You, XXXX XXXX
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My complaint is with Transunion. 
They have been informed several times that the negative items on my report from : XXXX And XXXX / XXXX XXXX / $ XXXX XXXX / XXXX XXXX / $ XXXX debts they bought from : XXXX XXXX that XXXX XXXX bought from : XXXX, Way back in XXXX & XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, California with many others!! 
There for there insisting in buying and selling these debts and destroying my credit, any year they choose " to continue doing, '' '' since '', is unethical, dishonest, slanderess, and actions of CROOKS!!! 
Why Transunion keeps allowing this/ " even when " this is NOT the FIRST TIME they ARE TOLD is beyond any thing honest!, or, Responsible for the PHONY INTEGRITY they pretend to up-hold. If they DID their JOB, this would n't be happening. 
The same thing goes for the public record : XXXX XXXX / XXXX XXXX 's from XXXX XXXX Aquisitions as well!!!
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

Dear CFPB : Chase responded to our claim of wrong IRS Form XXXX ( Copy B ) for XX/XX/XXXX & XX/XX/XXXX ( CFPB # XXXX ; # XXXX ). Their letter goes : Dear XXXX & XXXX XXXX : We received your request to update your loan. 
According to our records, the amounts reported on your Form XXXX ( Mortgage Interest Statement ) for tax years XXXX and XXXX are accurate. 
In XXXX, the amount of interest reported to the IRS was a total of 7 months of payments including your XXXX through XXXX for a total of {$5800.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$5800.00}. 
In XXXX, the amount of interest reported to the Internal Revenue Service ( IRS ) was a total of 12 months of payments including your XXXX through XXXX for a total of {$10000.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$10000.00}. 
Chase Here are problems : ( 1 ) Chase says that, in XXXX, they reported to IRS that our interest was {$10000.00} ; but Copy B we received says {$8800.00} XXXX see attachment ). 
If {$8800.00} was wrong, we must file an amendment to IRS. 
So, we want to receive a correct XXXX Form XXXX from Chase. 
Chase must be correct this time since we think that the figure should be ~ {$9900.00}. 
( 2 ) Chase says that, in XXXX, they reported to IRS that our interest was {$5800.00} : 7-month payments for the year. 
This must be wrong. 
Since we made 12-month principal payments ( which made the remaining mortgage balance {$350000.00} and current ) for the year, the interest payments must be for 12-months. 
We hope Chase could promptly straighten up their accounting mess.
Consumer complaint received 2015-09-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

A 40 year old mortgage has not been satisfied in the Recorder of Deeds office. 
The lender asked for a title search and copy of the mortgage to be mailed to them. 
After over 3 weeks the lender states that they have not received the request
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name & Number as shown on your report )
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute : Inaccurate Reporting of Collection Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a collection account from XXXX XXXX  that appears on my TransUnion credit report. It has come to my attention that this account is reported with the same date for " last verified, '' " last activity, '' and " report date. '' This blatant inconsistency raises serious questions about the accuracy and integrity of your reporting process and violates the Fair Credit Reporting Act ( FCRA ). 

The account in question ( Account Number : XXXX reflects the following problematic reporting : - **Same Dates Recorded : ** The dates for " last verified, '' " last activity, '' and " report date '' are identical, suggesting a lack of diligence and accuracy in your reporting practices. This misleading representation distorts my credit history and affects my creditworthiness. 

As a consumer, I am entitled to a fair and accurate credit report. Therefore, I demand the following actions : 1. **Immediate Investigation and Correction : ** Conduct a thorough investigation into the reporting of this collection account and rectify any inaccuracies in a timely manner.

2. **Written Explanation : ** Provide a clear explanation as to how these discrepancies occurred and outline the processes you have in place to ensure accurate reporting.

3. **Monetary Fine : ** Due to these violations of the FCRA, I am demanding a payment of {$1000.00} for each violation related to this account, totaling {$3000.00}. Your failure to maintain accurate records and your carelessness in this matter warrant financial accountability. 

I expect a swift resolution to this matter. Your immediate attention to this issue is essential. 

Sincerely, XXXX XXXX Enclosures : Copies of supporting documents.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the latest credit report in under my account there are several errors that falls under all or one of the following : Failure to Address Disputes Properly.

Outdated or Inaccurate Adverse Information.

Privacy Act Violations.

Inaccurate or Confusing Information Potential Incomplete or Incorrect Remarks on Closed Accounts I hereby revoke any prior consent provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion, written, verbal, or otherwise, to share or report any of my nonpublic personal information to third parties, including CRAs. 

See attachments.
Consumer complaint received 2015-04-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I XXXX contacted Portfolio Recovery by certified letter in XXXX 2015 requesting debt validation including : Name of the original creditor, including account number. 
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
Portfolio responded with a letter on company letterhead with a summary of my name, my last XXXX digits of SSN, balance at date of purchase, and interest accrued since the date of purchase. 
I responded to Portfolio 's letter with a XXXX letter on XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. 
Copy of the contract that states I promise to pay this back from the original creditor. 
Portfolio Recovery 's XXXX response was sending me the same letter originally received. I contacted Portfolio by phone as a final attempt. I was told by the collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections. I am confused by what he said. I am simply asking Portfolio to provide me the information I requested to complete my validation.
Consumer complaint received 2016-03-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX Bank of America HAS AGREED TO REMOVE INQUIRY FROM MY XXXX REPORT. 
DELETE bank of America INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.