davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (NJ)

I am submitting a follow-up dispute regarding unauthorized credit inquiries that remain on my credit report despite my previous dispute. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

Name of Creditor : XXXX XXXX 
Date of Inquiry : XX/XX/year>XXXX  I contacted the creditor directly to dispute the inquiry, but I have not received a satisfactory response. I also disputed the inquiries with the credit reporting agency Equifax, but it remains on my report.
Consumer complaint received 2015-09-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (PA)

In 2014, we fell behind on making a credit card payment. We were contacted by XXXX. The original creditor is Citi ATT & T Universal XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from Citi XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MD)

We were coerced into financial ruin by several mortgage companies that our loan has been passed too in order to cover their wrong doing. We have been trying to negotiate a modification that has been used to entice us to leave a successful chapter XXXX, we have an attorney that has been diligently persuing this modification. With no success being brushed aside casually with a statement that they are not authorized to negotiate. Further they refused to provide proof that they are current holder of our note. We have also pursued this thru Congressman XXXX XXXX office. Their response to the congressmen office was entirely different than to us of which they will not respond too. All we want is what is fair and what they agreed to do when they accepted the XXXX XXXX in TARP money to provide loan modification to home owners who qualify.
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (OR)

I am having a problem settling my Banana Republic XXXX Card due to some sketchy circumstances outlined below. The whole issue is somewhat complicated ; I will try to explain it at succinctly and clearly as possible. 

I am hard of hearing and do not want to handle the settling of the account in question over the phone. I wish to settle the account because I can no longer manage the payments : I have not put any additional charges on the card since XXXX 2015, and aggressively tried to pay off as much as I could, but I have missed payments and have been unable to meet my minimum payment for the past few months. Now I am at the point where I am unable to make any payments without foregoing other, more important needs, and interest keeps rising while my credit keeps falling. I have been attempting to settle the matter in writing for over six months now and have become very frustrated in my attempts. 

On my first couple attempts at settlement I received one letter stating they agree to only communicate in writing and another stating I MUST call and speak to a representative if I want to see if I qualify for any of their hardship programs. Another time they told me to call the XXXX ( which I do not have, nor do I wish to communicate that way : written communication is my preferred method in these matters ). At one point I was directed to a different address than the one I originally found : an Ohio address versus a Florida address, but when I wrote them about the issue they responded saying they needed a power of attorney in order to talk to someone other than me ( which I never asked for ). And the response came from the original Florida address, interestingly. In response to my most recent attempt sent to the Ohio address, which highlighted all of the ongoing issues, I once again received the letter agreeing to only communicate with me in writing and the other stating I MUST call to discuss their hardship programs. This response also came from the Florida address and not the Ohio one I sent the information to. 

Notwithstanding the fact that requiring me to speak with a representative to determine eligibility seems to be a blatant violation of the ADA, I believe that regardless of my XXXX I should be able to handle this matter in writing. Especially since upon researching this matter many suggested I get the deal in writing because of issues they have had with this company after making deals over the phone. I contacted the Attorney General 's office in my state, and they suggested make this complaint to help resolve this issue.
Consumer complaint received 2015-04-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (GA)

Hello, my name is XXXX XXXX XXXX : In 1978 either in the months of XXXX or XXXX I had my brother buy me a saving bond for 500.00 dollars then give it to me as a gift.the banks name is XXXX in XXXX.XXXX was the c.e.o at the bank but when i melt him his was just a accountant. checks and bonds was sent to a old address XXXX XXXX XXXX XXXX.someone stole my mail but some how sent the check to XXXX XXXX XXXX XXXX XXXX.the person the got the check give it to XXXX XXXX XXXX XXXX to give to me but he took it to chase bank XXXX XXXX XXXX XXXX to cash it. the bank call me. to see if it was alright to let him cash it over,XXXXtimes I told the lady no.but she acted like she couldnt understand no.or call the police.my check and saving bond are now gone.can you help me.I live at XXXX.cell phone XXXX
Consumer complaint received 2016-03-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX, XXXX 2016 I called Bank of America to have a pending charge removed. The charge was unauthorized and I explicitly stated this. I specifically asked about fees and was told " You might get a fee, but it will be refunded. '' On XXXX, XXXX 2016 I had XXXX fees on my account, XXXX being a stop payment fee and XXXX being a returned item fee totaling in XXXX . I called customer service and was bounced from customer service to claims and back to customer service. 
After speaking to the customer service representative who told me there was nothing they could do, I asked to speak to a manager. The manager told me that someone had already tried to refund the fees using the automated system and that they were declined. I explained that the first person I spoke to probably did that before they transferred me to claims. The manager said I would need to have the company who charged me write a letter stating they did not have permission to charge my account to be able to refund the fees. 
I asked if I should have filed a claim, which is what I thought I did, and the manager said that yes I could have filed a claim if I had let the item post. I mentioned that if I had waited the 2-3 days for it to post I would have had a negative account balance the whole time and would not have been able to use my debit card. The manager told me that this is what I was supposed to have done. 
I pointed out that I got charged a stop payment fee and a returned item fee and I wanted to know why I got charged both, if the stop payment went through then why was there a return fee. The manager told me that I had a stop payment placed on the company name, but they charged me with a slightly different name and that is why I was charged both fees. I told him that was a technicality and he said he was sorry but that he was n't going to do anything about it and " if it was the first time you were complaining about fees, maybe I could do something. '' I asked if there was someone higher up I could talk to and the manager responded " I 'm the highest person that answers that phone. ''
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I went to court seven years ago XXXX I did with a gentleman I paid him the XXXX dollars the judge ordered me to and now it is showing on my credit for the full XXXX rather than the XXXX $ the judge ordered me to pay and it is showing like it is a bill or judgement against me which is preventing me from getting a house.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I have paid my mortgage to Carrington Mortgage company between the XXXX, every month for the past 7-8 months. I have a history of paying on time, never late. My XXXX payment was no different and paid via electronic bill payer from my XXXX account on the XXXX. Any payment received after the XXXX of the month is considered late. In XXXX, I received a past due notice and late fee from Carrington. I immediately called and faxed proof of payment to Carrington from XXXX bank and followed up with a call. Today, I received another past due note and late charge from Carrington. I immediately called and spoke with a representative. I asked to speak with a supervisor when she said my letter and proof of payment was not adequate to request the late fee be removed, it 's their policy, she said. She asked for copies of my banking statements. I stated that they have adequate documentation that the mortgage was paid by me, before the XXXX by my financial institution. I informed the representative that I have already been preapproved to transfer my mortgage to XXXX because of the awful customer service. My loan was originally with XXXX until Carrington purchased it. I have had nothing but problems since the bought the loan. This organization operates like a preditary collection agency, not a mortgage company. Their voice recording in calling informs callers they are a debt collection agency ( mini marinda ).
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Account # XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a XXXX XXXX XXXX XXXX and Veteran. I am applying for a VA loan. However, my estranged husband abused my credit, changing my credit from excellent to poor. XXXX of his accounts is incorrectly listed on my credit report. I filed a dispute to remove an erroneous account from my credit report. The credit provider, XXXX XXXX, provided evidence the account does not belong to me, then proceeded to delete it from my XXXX file, Transunion file, and XXXX file. XXXX and XXXX updated my report immediately. However, Transunion refuses to remove it because they tell me they have 30 days to resolve the dispute. After speaking with XXXX other employees, I was transferred to a supervisor by the name of XXXX, then to his supervisor XXXX, then to her supervisor XXXX. All XXXX employees subordinate to XXXX verified the evidence from XXXX was in my file, XXXX, however said it was not there. I asked to speak to her supervisor, but she refused. Ultimately she offered a 48hr call back, then hung up on me when I asked to speak to that person 's supervisor. 

I called back, spoke with XXXX before who transferred me to XXXX. I told XXXX the situation and that I am in process of filing a complaint with the FTC and a congressional inquiry. I asked for the name of the supervisor in-charge of the special handling division. After putting me on hold, she said she was unable to give out that information. I tried to find the information online, but was unable. The bottom line is, the erroneous account belongs to my husband. It is preventing me from getting a VA home loan. My husband abused my credit cards, which caused my excellent credit to be damaged. But the biggest issue precluding the loan is the account in my husband 's name. Transunion has a policy wherein, if multiple disputes are being investigated, they will not update the account until they resolve all the disputes even though the disputes have nothing to do with XXXX another. I would like a remedy in the form of this erroneous account being taken off my report. The customer service at Transition special handling division is deplorable in the special handling branch.
Consumer complaint received 2016-01-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

We have been trying to resolve my Home equity line of credit for over 2 years now, and J.P. Morgan chase has done nothing but delay process and give me no type of resolution options of than paying the Loan back in full. 
the loan amount was for {$100000.00} and the only option they did recently give me is a Modification for 480 months paying {$380.00} which comes out to {$180000.00}. 
My household between my husband and myself is with SSI, and we are negative on a monthly basis. I already filed a Bankruptcy which at the time included this Line of credit but now I am being haunted by having to pay this and more to Chase. They already hold my first mortgage and now the Line of credit is being pursued for payment. 
I have borrowed money to try and settle the account with them but they keep declining the offers, please help me stay in my home, we are not well and can not handle the piracy tactics that chase is using against us. 
During my Bankruptcy from XX/XX/XXXX through XX/XX/XXXX I was still paying chase {$830.00} monthly which totaled {$50000.00}, Where has that money been applied to???
Consumer complaint received 2016-01-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My eight years account with Bank of America was subjected to a monthly maintenance fees of {$12.00} per month since last year XXXX XXXX without any prior NOTICE/INFORMATION or explanation from the bank. When I called the bank for explanation and refund i was told by XXXX of the bank official that I have to maintain a direct deposit of at least {$250.00} or a minimum balance of certain amount. I informed the bank that even during this period of review XXXX XXXX XXXX, XXXX there were instances of irregularity, that is situations where I had a single direct deposit of over {$250.00} into the account and my account was still subjected to this illegal {$12.00} service fees. 
The bank will not refund my money when I asked for a refund despite the fact that I was not informed of any changes or the existence of such fees since my banking with the bank for the past 8years.
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (CA)

I was contacted by XXXX XXXX XXXX in XXXX of 2023 regarding a closing balance on my account. I paid the amount. 

XXXX XXXX XXXX continued to send bills to me, I contacted them and provided financial records showing the payment was made ( credit card statements to XXXX XXXX XXXX for the exact amount ). 

Since that time, I have been contacted by ( 3 ) three different collections agencies seeking payment for this amount. I have sent them all the same financial records. 

I never hear anything back from them, and after a few weeks go by, another different collection agency contacts me with payment demand. 

I paid the debit, given records, and still get harassed for monies. It is quite frustrating!
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In XXXX my husband was laid off after 33 years. in order to collect a pension he was precluded from getting a job per the company 's contract.I paid a lawyer for a loan mod because my income alone would not cover our mtg. We were given a mod.by the servicer XXXX The modification payment was more than {$3000.00} that was XXXX. I was doing fine with my self employment business and paying our mtg. up until XXXX. I fell behind on the mtg. because I lost my business due to the crisis. The landlord filed a judgement for failure to pay rent for my defunct business. during my modification XXXX had bought the servicing rights. XXXX, the mortgagor at the time agreed to allow us to sale our family home in writing. XXXX decided not to work with us any longer because there was a XXXX and an IRS lien on the property in which was being worked out but they would n't wait. XXXX XXXX XXXX filed a NOD. We hired an attorney to help with this NOD and the attorney advised us to file a bankruptcy. The attorney that helped us was a scam he took {$400000.00} from us and he ended up loosing his license and no longer can practice law thus putting us in jeopardy. while all this was going on the servicing rights were sold to Rushmore. Rushmore has given us written approval to sell the property our bankruptcy is now discharged, However, today XXXX XXXX XXXX My agent received an email saying the have decided to foreclose. According to SB XXXX no bank that took TARP money can duel track.Rushmore 's email to my agents states that they are going to start the foreclosure process while we are in an approved short sale. Rushmore has changed the amount they want 2 times in 4 mo. The buyer has agreed to pay what they want and instead of giving us a 30 day approval based on the new purchase price, which is a change of circumstance, they gave an 11 day approval. We are almost ready to close but because we asked for a normal approval for 30 days based on Rushmore changing the purchase price they refused to give us XXXX. we are currently approved by Rushmore until the XXXX of XXXX XXXX, however, XXXX of the liens still need to be cleared. We are asking you to step in and stop the duel tracking from Rushmore and allow us a normal 30 days to close. Rushmore has been given a conditional approval by the buyer 's lender which proves the buyer is approved to purchase. with the price increase Rushmore has imposed, the buyer must be given ample time to get the new approval from their lender. we need ample time to get that. 5 days should be enough time. The hud is attached that shows the XXXX purchase price. Rushmore increased the price so much in that they forced out the relocation money they were to pay the sellers from the TARP money they have received. They 're crooks. 

Please help us
Consumer complaint received 2016-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Financial Assistance Inc (WA)

When I consolidated my student loan debt in XXXX, my XXXX XXXX XXXX, issued by XXXX XXXX, XXXX, WA of {$2700.00} was omitted in err. I had no idea this loan had been left out until it was placed in the hands of collection agency, FAI in XXXX, WA. I made a financial arrangement of {$200.00} per month. When I inquired about a statement of account, I was ignored, time and time again. I stopped paying after 7 months of payments, as I was concerned about the total of the debt and how my payments were applied. In XXXX, a lien was placed on my home for {$5600.00} ish, with finance charges still acruing. I had no idea that a lien was placed until I recently ( last month ) put my home on the market to sell. FAI and XXXX XXXX have both been unresponsive as I have tried to inquire about the amount of debt. I would like to resolve this debt but feel the payoff amount is excessive and unfair. Please advise.
Consumer complaint received 2015-07-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (OH)

I am a XXXX that has been XXXX in XXXX, Ohio. As an XXXX at XXXX XXXX University, I was involved in a XXXX and needed money mid-semester to pay for doctor 's appointments, books, parking, and transportation. I could not take a direct loan out mid-semester so I was forced to take a private loan to continue my education. I took out a {$15000.00} loan that is through American Educational Services. I did not know that this loan would not be eligible for the XXXX forgiveness program. 
I graduated XX/XX/XXXX, and took a job XXXX for XXXX XX/XX/XXXX. I have worked there ever since. I recently applied for the {$5000.00} XXXX loan forgiveness and was rejected. I meet every requirement there is : -XXXX for XXXX years full time-Never missed a payment-XXXX that is listed in the XXXX currently have a balance of {$17000.00} on my American Educational Services Loan and do not have any private loans. I am a very successful XXXX, who has earned some of the XXXX in Ohio for the last XXXX years. I was relying on this partial loan forgiveness so I can one day have the American Dream of owning my own house. I not only get payed 75 % of what XXXX earn, but I also will have these student loan payments for the next XXXX years. 
Why ca n't my college loan be eligible? Is n't the point of the XXXX Loan Forgiveness Program to reward and recruit successful XXXX? Should n't prospective XXXX be informed about the differences between private and direct loans? Should n't students be able to take direct loans out mid-semester when life throws them a curve ball? 
I just want the loan forgiveness that the rest of my co-XXXX have received.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.