davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jenkins, Wagnon & Young, P.C. (TN)

When selling a home in XX/XX/XXXX I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/XXXX ). The law office and XXXX did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : Jenkins, Wagnon, and Young P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I noticed a charge on my credit card account : XXXX for the amount of {$39.00}. I did not recognize this business and discovered that they are in the business of computer games. I did not ever contact this business nor solicit and computer game from this or any other company. 
I called Bank of America, my credit card company, and disputed this charge. The amount plus interest was credited back to my account on XX/XX/XXXX. 
On XX/XX/XXXX I saw there was a credit back to XXXX for {$39.00}. I again contacted Bank of America and was told that BOA believed the company charge was legitimate since they said they had my e-mail address. I again persisted that this is a fraudulent charge and the amount plus interest was credited back to my account. 
On XX/XX/XXXX I wrote Bank of America to put my concern that this company was using stolen/hacked personal and credit card information from me in an attempt to bill me for a product that I never requested. 
On XX/XX/XXXX I received a letter from Bank of America that was dated XX/XX/XXXX in which they affirm their position that the sale was legitimate since the company provided a bill of sale that had all of my personal information and credit card number. ( A month to receive a denial letter from the bank ). NOWHERE IN THIS LETTER IS THERE ANY CONSIDERATION GIVEN TO MY STATEMENT THAT THIS INFORMATION WAS STOLEN/HACKED AND IS BEING USED WITHOUT MY AUTHORIZATION. 
Further, a google search of " XXXX XXXX fraud '' brings up XXXX web sites where numerous people have complained about this company for being charged for products that were never ordered and for which they were repeatedly billed each month. 
I believe, without proof positive, that my name, billing address, e-mail, and credit card number, expiration and security code were stolen/hacked the day after I made an online order with " Reloading Unlimited '' This was the only out of the ordinary business with which I conducted business with and coincided with the appearance of this fraudulent charge from XXXX XXXX. 
I did receive an e-mail from that company but I never opened it nor used the access codes they say they provided in that e-mail to activate the game. Apparently Bank of America did not ask in their " investigation '' if I ever actually used the game or link they allegedly provided. 
Simply because they send me an e-mail with an unsolicited product does not translate to a conclusion that the order was legitimate and executed by me. MY INFORMATION WAS STOLEN/HACKED AND USED BY THEM WITHOUT MY PERMISSION. This Company is in the business and has a history of charging peoples account for products they never ordered.
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (NM)

In an effort to confirm who owns the mortgage and has lien on my home I sent correspondence to Select Portfolio Servicing ( SPS ). On XX/XX/XXXX I sent a letter to requesting the following items : Provide the identity of the mortgage loan note on my home. 
Provide the owner of my mortgage for the property located at XXXX., XXXX, New Mexico XXXX. 
I received a letter dated XX/XX/XXXX from SPS stating that they had received a letter from my authorized agent. 
I received a letter dated XX/XX/XXXX from SPS stating that they have received my inquiry letter and to give them 30 days. 
I received a letter dated XX/XX/XXXX that they had completed their investigation into my inquiry and since they had not serviced my account in over a year they would not provide a response. 
In XX/XX/XXXX I ran into financial troubles and requested a foreclosure letter from SPS so I could withdraw money from my XXXX ( k ) to pay them. SPS informed that since the loan was a XXXX mortgage they could not foreclose on my property so they could no provide a letter. in XX/XX/XXXX SPS placed my account in a XXXX status. I have not paid SPS or any other entity for this mortgage since. 
SPS is not providing me with my requested information and are not being cooperative in my effort to clear the title on home.
Consumer complaint received 2016-06-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra has been falsely reporting information for 3 years. Ad Astra did not respond to a debt validation request within the time-frame as set forth by the Texas Finance Code and FDCPA. I have attached a timeline and PROOF in the form of USPS tracking and successful faxes. They have falsified dates with the intent to deceive. They have IGNORED Cease and Desist letters that I have sent. I have also disputed with Credit Bureau with no results. It is my assertion that the credit bureau merely take Ad Astra 's word and do not truly investigate.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: On-Site Manager, Inc. (CA)

I became aware of  XXXX  credit accounts and the  XXXX  collection accounts associated with the original credit accounts in  XXXX    XXXX   when  On-Site.com ran a tenant screening on me. The accounts are the result of i dentity theft. I have filed a report with the Federal Trade Commission and my local police. I disputed the accounts with On-Site and supplied them with the reports from the FTC and the police.    On-Site r efuses to block or remove the fraudulent accounts. Additionally, they have not provided me with any proof of investigation into the matter on their end.  On-Site  continues to report inaccurate information. The accounts in question are   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX , and  XXXX . The collection accounts associated with the accounts are  XXXX   XXXX  x  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . These accounts are all the result of identity theft.   I have submitted disputes for all the accounts with On-Site o n 3  separate occasions. On-site has done nothing other than add my statement to their report.
Consumer complaint received 2016-06-26
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Student Loan Finance Corporation (MN)

I have been receiving harassing, threatening and XXXX threats telephone calls from Student Loan Finance Corporation in regards to a student loan account and debt of {$3200.00} and {$4900.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: First Direct Lending, LLC (FL)

I was contacted by an agent, XXXX from First Direct Lending, in reference to a refinance. I was told that if i paid {$220.00} for the appraisal which would cost {$450.00} and if the loan did n't fund I would get back the money. I charged the {$220.00}. and sent in all documents requested and they stopped contacting me saying that my income was n't enough and I kept getting the runaround from them not returning phone calls, etc. Finally the sent me a document saying the loan was adverse and that I did n't qualify due to old delinquent credit history, and my income. I have contacted the agent and emailed him sent him a text regarding my appraislal fee refund and have not heard back from him.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: USI Solutions Inc. (NY)

I have checked my credit report and I do not have any delinquent, unpaid or unsettled debts. USI Solutions ( of which I see has a slew of current complaints against them ) has been harassing me, my boss, my husband and my husbands parents with threatening phone calls and calls at night, morning and all day long. 

They have found our cell phones, house phones and addresses and I know that is illegal. 

Years ago I settled a few bills and I think they bought that old debt and are trying to collect. 

I do n't know what to do to stop them
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by Equifax Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
Consumer complaint received 2016-11-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

My mortgage was in the process of a XXXX modificiation due to a financial struggle. I am currently XXXX payments delinquent, with an additional payment due before XXXX XXXX 2016. Once three months behind, the company will begin foreclosure proceedings. I made a payment via XXXX on Monday XXXX/XXXX/2016 that equaled an entire monthly mortgage payment. The mortgage company refuses to accept this, stating that they will only accept XXXX full months payments. Since then, they have also denied my XXXX loan modificiation, for reasons that they have yet to give me.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion should not be allowed to charge for reveiling a person 's credit score. There should be one universal equation to caculate a score ; transunion, and each finacial institution should use different caculations for a person 's score that is not just. These score effect our lives, employers check credit scores. So how can we all be on equal footing if everyone is using a different equation? In XX/XX/XXXX They reported a score of XXXX in XX/XX/XXXX they reported XXXX and they only difference on my report is santander wrongfully reporting a miss payment and close account instead of account being paid off. And it is still being reported today.
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2016 I started my dispute with Trans Union regarding Tax Liens and a bankruptcy on my credit report. I asked them in my initial request to validate and verify the debt providing me with copies of any documentation bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. As you will see in the documentation, Trans Union did not delete any records and responded that all were verified but they did not provide any documentation verifying my signature and provided no evidence of how it was verified. I then sent another letter on XX/XX/2016 to Trans Union to validate this information and provide me with copies of documentation associated with these accounts. According to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ), the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Trans Union did not delete any records and responded that all were verified but they did not provide any documentation verifying my signature and provided no evidence of how it was verified. I 've attached my letters to the credit bureaus, their correspondence, certified letter receipts, identification verification, and the latest copy of my credit report from all 3 bureaus. I want the bankruptcy and tax liens removed if that can not be validated as according to the fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( A ). If they are not removed, I will have no choice but file a small claims lawsuit against each agency seeking damages for defamation, negligent enablement of Identity Fraud, and violation of the Fair Credit Reporting Act. Any help CFPB can provide will be truly appreciated.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I got an update on Transunion that the score has changed. Upon checking, I noticed that XXXX points dropped for NO REASON. Why would my score drop for no apparent reason? There are no new information on the credit report. I would like to know why my score dropped for no reason. I am applying for mortgage and can not get qualified because of your incorrect scoring.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I fell on hard times when unauthorized charges were debited from my checking account. In XXXX 2015, I started with working with a debt Management company XXXX in order to contact my creditors and make settlements/payment arrangements. XXXX contacted XXXX XXXX many times and was not successful until the debt was sold to XXXX XXXX XXXX. XXXX XXXX forced me to work with this company and I now have multiple negative reports on my credit report for these XXXX credit cards- XXXX and XXXX. I want these negative reports removed from my credit report - all three reporting agencies.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NC)

I have a Chase Amazon Rewards Visa. I placed an online order with a combination of points, credit card and gift card visa. There was an issue, so I cancelled the order within minutes of placing it and then placed a new order. 

Chase deducted rewards points for XXXX orders - XXXX for the cancelled order, as well as XXXX points for the new order. They refuse to credit the points back for the cancelled order, blaming XXXX. This is not on XXXX 's end. XXXX never made a charge, they actually never fully charge until an item ships. 

I had no trouble using my 3rd party gift Visa on the replacement order - again, because XXXX had never made a charge. Chase, however, refuses to correct the points balance despite contacting them and explaining the situation multiple times.
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NAVY FEDERAL CREDIT UNION (WA)

During the timeframe of when I held my account there at Navy Federal Credit Union in XXXX Washington from XXXX. When accounts became due they would freeze my savings/checking accounts until I paid them or scheduled a payment. This was normal operations for them every 2 weeks. I would have to call them to unfreeze my accounts on a daily basis at times. I am sure Navy Federal has records of this. That was the reason why I closed my accounts and went with another bank.
Consumer complaint received 2016-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (UT)

In short, XXXX XXXX failed to disclose essential information regarding loans he procured for XXXX of my rental properties, directly resulting in {$18000.00} in additional expense to me and {$6400.00} in additional compensation for him. 

In XXXX 2016 I purchased XXXX rental properties with loans procured by XXXX. At the beginning of the financing process XXXX provided me with disclosures indicating that the rates on the loans would be XXXX with XXXX points payable for his commission. I never received any other disclosures. Partway through the financing process XXXX informed me that he was not confident that he would be able to finance me in-house through Axiom Financial due to my income, and encouraged me to switch to a different lender. I reminded XXXX that if he included my wife 's income I would easily qualify for financing with Axiom, but XXXX told me that would not be necessary and insisted that switching lenders was the right choice. XXXX never disclosed to me that the original rates and terms he disclosed would not apply to the new loans. My attorney later informed me that this was a direct violation of Utah law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I arrived at closing I learned that the rates on the loans XXXX procured would not be 4.625 % as disclosed, but 6.375 % and 5.875 % instead. Additionally, the commission owed for XXXX 's services would be XXXX points instead of the XXXX points disclosed ; a difference of {$6400.00}. Also, a pre-payment penalty of {$5700.00} would apply if I refinanced. If I did not close using the loans XXXX procured, I would lose {$7000.00} in earnest money and roughly {$30000.00} due to XXXX exchange restrictions. XXXX was on vacation in Hawaii at the time and was not present at the closing to comment on the matter. 

I closed using the loans XXXX procured for me and immediately sought refinancing. The first lender I contacted was able to easily refinance me at 4.25 % on both loans ( it was not necessary to include my wife 's income ). I have now incurred {$18000.00} in unnecessary expense due to XXXX 's unethical behavior : {$6400.00} in paid for XXXX 's compensation above what was promised, {$5700.00} in pre-payment penalties, {$1400.00} in additional loan interest due to the rates being higher than the 4.625 % XXXX disclosed, and {$4900.00} in closing costs for the new loans. When I contacted XXXX about the matter he blamed the lender for failing to disclose and refused to refund the additional amount paid for his commission as he is required to do by law. ( My attorney later informed me that XXXX had full responsibility to disclose, regardless of the lender 's actions. ) Since my experience with XXXX I have learned that several of my personal acquaintances have also had negative experiences with him professionally ; at least XXXX of whom is a former client of his.