davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-20
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: JPMORGAN CHASE & CO. (TX)

Chase Bank didd a hard credit pull on my account onXX/XX/XXXX, XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA and they are not removing them after I have spoken to Chase rep XXXX XXXX credit bureau specialist on XX/XX/XXXXat the cooperate office who stated it would be resolved in 15 working days instead i am just accumulating more hard inquires. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit
Consumer complaint received 2016-06-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC (CO)

I have been communicating with CSC for about four months now. The debt is from the hospital that my XXXX child was born at, it started as a {$5000.00} debt and we paid about {$2300.00} of it before a change of jobs made it hard for us to finish the payments. There was also a {$200.00} debt that I was never notified about going to collections. A few months back we negotiated a payoff amount of {$1900.00} for the XXXX Hospital debt and we submitted a request for negotiation to the other {$200.00} debt. I sent CSC a check for the {$1900.00} and believed I would hear from them within a week or XXXX about the other debt. My check was never deposited and I did n't hear from them for two months. I finally called them and they said they would n't deposit that check because we were waiting to hear from the {$200.00} debt. Another few weeks passed before I heard from them again, I spoke with XXXX on XX/XX/XXXX at XXXX and she stated that my payoff amount for XXXX Hospital was now {$1000.00} and the other amount was {$220.00}. 

At this time I provided a credit card number and authorization for a charge of {$1200.00}, it was processed immediately and taken out of my checking account. XXXX verified two different times on a recorded phone call that our account was now paid in full and our balance was {$0.00}. Later that evening I checked my bank account and found that the {$1000.00} amount of the charge was being put back onto my card and they were only charging the {$220.00} amount. This morning I woke up to find they had deposited that old check for the {$1900.00} amount. I believe they have violated the FDCPA by misrepresenting the amount I owed on the debt and I would like to know what recourse I can take, if any? Thank you.
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have written Transunion three times in reference to removing inaccurate information from my credit report. They have not removed any of the requested accounts and have responded back each time telling me that they have verified the information without provided me with any physical proof or verification. This completely violating the law in accordance with the Federal Credit Reporting Act.
Consumer complaint received 2016-06-13
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (FL)

On XXXX/XXXX/2012, I sold my home via a cash sale. At the time Green Tree Servicing LLC ( XXXX XXXX XXXX was the mortgage holder ) discharged my mortgage after the sale was properly sold. The amount discharged was {$53000.00}, ( A XXXX Form was issued by Green Tree Servicing ). My credit report since 2012 reflected the cash sale with no amount outstanding or in arrears. Now comes Ditech Financial LLC from XXXX XXXX, SD and placed a balance of {$52000.00} on my credit report showing the amount is in arrears. It appears that Ditech Financial LLC bought the accounts from Green Tree Servicing or joing together. I became aware of this situation through my XXXX credit monitoring service, provided to Federal Employees. I want Ditech Financial to erase the amount it placed on my credit report, ASAP. This is damaging my credit now. Green Tree never placed the amount charged off as an amount in arrears.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP (VA)

We owned a piece of land in XXXX County, Texas for the last 10+ years. We paid taxes on time yearly. Someone suddenly claimed the possession of our land and won the ruling. The County courthouse judge issued the Final Judgment and granted them the possession of our property without looking at the fact that we have been paying tax for the last 10 years! However, XXXX County continues trying to collect taxes from us even though they said we are no longer owning it!!! We have called, mailed, and faxed them many responses explaining the issue with the judgment. We repeatedly asked them to stop abusing us with threatening letters to foreclosure and damage our credit. We told them we would file the complaint with your Bureau and they still do n't care. We have been stressed out and exhausted from those abusing from State Government Entities in XXXX County, Texas. PLEASE HELP!!!
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit issue disputed with no final response. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage and further decrease my credit score jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. I had a medical hardship as well. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. Several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in XXXX XXXX.
Consumer complaint received 2017-07-20
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: Experian Information Solutions Inc. (CO)

THE FCRA STATES THAT ALL INQUIRIES MUST HAVE A PERMISSIBLE PURPOSE AND THAT THE CREDIT BUREAUS HAVE TO HAVE DOCUMENTATION ON FILE OR IF I REQUEST IT THAT THEY MUST REQUEST THE DOCUMENTATION TO SUPPORT THEIR POSITION TO LIST INFORMATION AGAINST A CONSUMER. I AM ASKING THAT THE FOLLOWING INQUIRIES BE FULLY INVESTIGATED AND THAT PROPER DOCUMENTATION BE SENT TO ME SHOWING THAT I GAVE PROOF GRANTING PERMISSIBLE PURPOSE TO THESE COMPANIES TO PULL MY CREDIT TO EXTEND A CREDIT LINE TO ME. THIS IS NOT A REQUEST FOR ANY SECURITY FREEZE OR FRAUD ALERT TO BE PUT ON MY FILE. I AM ASKING THAT THE LAW BE FOLLOWED AND THE BURDEN OF PROOF CLEARLY LIES ON THE CREDIT BUREAUS TO PROVE BEYOND A REASONABLE DOUBT THAT WHAT THEY ARE REPORTING MEETS THE GUIDELINES OF THE FCRA. 1. XXXX XXXX ON XXXX PULLED MY CREDIT. I DO NOT RECOGNIZE EVER GRANTING THIS COMPANY WRITTEN OR VERBAL PERMISSION TO PULL MY CREDIT. I CURRENTLY DO NOT HAVE ANY LINE OF CREDIT WITH THEM. SO UNLESS EXPERIAN CAN PRODUCE PROOF YOU ARE TO REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 2. XXXX XXXX THIS HARD INQUIRY IS SHOWING UP WITH NO PERMISSIBLE PURPOSE ATTACHED. I AM DEMANDING THAT EXPERIAN REACH OUT TO XXXX AND ASK FOR DOCUMENTATION STATING THAT I GAVE THEM PERSMISSION IN WRITING TO PULL MY CREDIT. IF WITHIN 30 DAYS YOU CAN NOT PRODUCE PROOF YOU ARE TO REMOVE IT. 3. XXXX CARD ON XXXX EVEN THOUGH I HAVE A XXXX CARD I DO NOT REMEMBER ASKING THEM TO PULL MY CREDIT ON THIS DATE ( THE DATE IS IN QUESTION ). I AM ASKING FOR FULL IMMEDIATE PROOF SHOWING PERMISSIBLE PURPOSE. IF YOU CAN NOT PRODUCE THIS THEN REMOVE THE INQUIRY. 4 XXXX ON XXXX I DO NOT KNOW THIS COMPANY, NOR DO I EVER REMEMBER ENGAGING THEM IN ANY CONVERSATION FOR THEM TO PULL MY CREDIT. I AM DEMANDING THAT YOU REACH OUT TO THEM AND ASK FOR A SIGNED APPLICATION SHOWING THAT I ASKED THEM TO GRANT ME CREDIT. IF YOU CAN NOT PRODUCE A SIGNED AUTHORIZATION FORM YOU ARE TO REMOVE THIS INQUIRY AS THERE IS NO PERMISSIBLE PURPOSE. 5. XXXX ON XXXX I DO NOT RECOGNIZE THIS INQUIRY THEREFORE I AM DEMANDING THAT YOU REACH OUT AND ASK THEM FOR A SIGNED AUTHORIZATION FORM SHOWING THAT I GAVE THEM PERMISSIBLE PURPOSE TO PULL MY CREDIT. IF THEY CAN NOT PRODUCE ONE YOU ARE REQUIRED BY LAW TO REMOVE IT. I WILL BE FILING A COMPLIANT WITH THE FTC AND ASKING AN ATTORNEY TO REVIEW THIS AND IF WE DECIDE TO SUE YOU OVER THIS THEN YOU HAVE BEEN WARNED.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

The information showing on " Experian Credit Tracker '' monitoring website is incorrect.
The summary page shows that I have 2 " late payments, '' time since late 40 months, and 1 public record. When I research on this web site I find the 2 late payments. One of those late payments shows as XX/XX/XXXX for XXXX. I did not have a late payment with XXXX in XXXX of XXXX. The other late payment shows up under my XXXX account for XX/XX/XXXX. I did not have a late payment for XXXX. I was on the phone with Experian for almost 2 hours. 1 hour with " XXXX '' that said what I was seeing were not " late payments '' that they were about my bankruptcy. When I told him that my bankruptcy showed up below the late payment information, he refused to acknowledge that. I asked to speak to a supervisor. He came back on the line and asked questions of me that his supervisor was asking of him. When I asked him if I could speak to her directly, he put me on hold for nearly an hour. Finally, I spoke to XXXX. She came on the line and admitted she did n't know anything about Experian 's Credit Tracker product and gave me the same explanation as XXXX. She insisted that my 2 late payments were from XXXX XXXX XXXX in XXXX. When I told her that the site showed them as XXXX and XXXX, she did not believe me and would not let me send her the screen captures ( attached ). She said that if I wanted to cancel my membership, she would transfer me to " membership. '' I was disconnected. I called back and spoke to XXXX. He said I should cancel my membership and gave me a cancellation number XXXX. He said he would put me through to a supervisor that would discuss a refund with me. I spoke to XXXX. I pointed out that the website was reporting inaccurate information based on the credit report that I download from the site vs. what was being reported on the site. At this point, she said I would have to have " the credit reporting company '' mail me a credit report directly and then mail it to her in " membership. '' She added that I could n't do that because XXXX had already canceled my membership. It seems like they are doing all they can to not cancel memberships and they have no interest in resolving inaccuracies on their website.
Consumer complaint received 2017-07-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

On XX/XX/XXXX, I called because I knew I was going to be running behind and have trouble getting caught up with the one delinquent payment. Kia Motor Finance agreed to extend one payment to the end of the loan. I paid a fee on the phone and they sent an agreement to be signed and returned. The agreement was mailed on XX/XX/XXXX. I received it XX/XX/XXXX. My husband and I both signed it and returned it by both fax and email on XX/XX/XXXX. It was never applied. I have continued to make payments believing they were timely based on one payment being moved to the end of the loan. On XX/XX/XXXX, I had also asked that my cell phone not receive dialer calls and advised that manual calls were acceptable. I never received communication that my extension was not applied. I applied for a license for my business and it shows a delinquent credit bureau reporting and that was is late on the credit bureau is the amount of the late charges on the account, not a full payment. It is my understanding that late charges can not be reported as delinquent on a credit report, only actual payments. They did begin to also call me again on my cell phone by dialer. I called them earlier this evening and spoke with XXXX, XXXX, who has now removed my number. She said they had received the documents but had not called or sent a letter that it was closed prior to my receiving the extension and they would not honor the extension and as it had been closed, again prior to my receiving the letter. Attached below is the copy that I had also emailed to myself for records and the email time stamped at XXXX XXXX. I sent it as soon as I was able to at work that day. I request the late charges be removed, the credit corrected and the extension applied to my account effective XX/XX/XXXX when the documents were returned.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (TX)

XXXX XXXX 2017 JH Portfolio sent a letter stating they verified an account. However, they did not provide evidence validating the debt as I previously requested.I asked for competent evidence that I have any legal obligation to pay them for said debt. They were not able to provide proof and I requested this false debt be removed from all credit bureau reports. The debt is still present on all credit reports.
Consumer complaint received 2017-01-11
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

My payroll check was stolen and cashed by a third party at Wells Fargo. The individual who stole the check signed the check over to themselves, forged my signature, and then had another individual with a Wells Fargo account deposit and cash the check into their personal account. Wells Fargo should have never cashed that check since they did not have me present nor seen my identification in order to confirm if the signed over check was fraudulent or not. I have worked for financial institutions and know policies and procedures and Wells Fargo is in violation of not following proper protocol with regards to cashing a check. That was my payroll check that was stolen.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have been denied my credit report for the past 10 years and Bias information on my report is beibg used to deny me EMPLOYMENT, HOUSING, EDUCATION, Finacial loans. Persons within the United States Government have BLACKLISTED me due to my advocacy and have abused their authority to IMPEDE all CONSTITUTIONAL liberties
Consumer complaint received 2017-07-20
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. (VA)

For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with XXXX XXXX XXXX in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called XXXX in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. Thank you
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have been applying for a loan modification with Nationstar mortgage for the past year and still have not been able to get Nationstar to review my documents. I have completed all documents and Nationstar has verified they have been accepted except for my profit and loss statement. Thus I redid the profit and loss statement and sent it back to them. Again Nationstar has sent me a request for yet another XXXX and not reviewed my modification. This has been repeated five times now since XXXX 2016. I have done a year to date XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and submitted it four times in 5 months. I fear that all of my other documents for the loan modification they have accepted will soon expire while this delay is taking place.
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Protection Association, L.P. (AZ)

Hello, This complaint serves to identify several violations that I believe occurred between my self and XXXX XXXX ( original creditor ) and they 're assignee XXXX XXXX  XXXX XXXX On the XX/XX/XXXX and XX/XX/XXXX, call details below, my Father, XXXX XXXX XXXX received a call from a representative of XXXX XXXX XXXX. On both occasions, my father made it clear to the representative he was not the correct person, however the representative continued to press him on details, discussing my account unnecessarily with a family member. My name is XXXX XXXX XXXX, and on XX/XX/XXXX, approx XXXX, overheard my Father once again explaining to a representative that he was not the correct person and to please remove his number and info. It was at this point I took over the call and identified myself as the owner of the account. I then provided the representative my cell phone number and asked her please remove my Farther 's information immediately, and I 'm not sure how they obtained his number in the first place, I do n't recall using him as a reference or providing any info about him to XXXX XXXX to start service, the rep told me it could only be removed by waiting 24-36 hours for their system to update. Meaning, it was possible they could contact my Father again. At approximately XXXX XXXX XX/XX/XXXX, I contacted XXXX XXXX XXXX again, to provide additional contact info ask them why they where contacted my Father and how they got his number. I also asked them once again, after getting a supervisor on the line to delete my Father 's number immediately, which she did, contrary to what the last rep had said in a previous call. I tried to contact XXXX  XXXX XXXX again around noon the same day, only to find out that my account no longer existed on their systems, that never happened before. I made several attempts to reach them, with no success. I also contacted XXXX  XXXX on XX/XX/XXXX, same day, and explained the encounter I had with XXXX XXXX  XXXX, they were more concerned with obtaining payment for the debt they say I owe, than they were about the negligent collection practices their assignee 's were using. The representative also advised me that information regarding the debt they say I owe has already listed with the credit bureaus, they did not try to contact me prior to this happening to allow me an opportunity to dispute this debt. The negative information currently showing on my credit report, I 'm sure will have negative impact on me at some point in the future. Thank you for your time and attention to this matter.. Call Details : My Father received calls : 1. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX