davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.
Consumer complaint received 2018-07-16
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX while attempting to qualify for a mortgage I was informed by the mortgage company that I did not have an active credit report with Equifax. I have been building a credit history for over 15 years. When calling Equifax they told me that I did not have any credit history with them and that if I did I would need to send them a copy of my credit report. This is obviously not possible. They then asked me to send them a copy of my drivers license and social security card to verify my identity, however, when given this exact information over the phone they were unable to find my report. I do not trust Equifax given their history with hard copies of my my personal documents.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2018 I called the Mortgage company to help with the setup of my online account profile and to establish the automatic payment on my account. I later found out in XXXX that the autopayment that was supposed to be setup by the mortgage company failed. As a result, a mortgage payment was missed. I was not informed that the autopayment did not process and was only notified by the mortgage company after the payment was 30 days late and they proceeded to start collections. After receipt of a letter from the mortgage company of the nonpayment, I immediately brought the loan current and asked the company to review the customer service calls that I placed to establish the autopayment, but they did not and I further asked that after review that they remove the negative remark from my credit report - due to the fact that the mortgage company employee that setup the autopayment failed to successfully setup the autopayment on my account. I have acted in good faith to try to resolve this with the company, but an unable to seek a resolution of for the company to acknowledge the customer service phone call that was made to establish the autopayment. As a result of the refusal to review the call logs my credit has been negatively affected and I am unable to obtain credit.
Consumer complaint received 2018-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (IL)

I had a XXXX XXXX debit checking account for several years, last able to be used around 2016. As their app provides instant notifications, I noticed a fraudulent attempt to transfer money out of my account. I immediately notified XXXX who was able to stop the transfer out of my account. To prevent this from happening again, they said they had to close my account ( rather than just issue a new card/number ). My account was closed and I received a check for the balance. My problem is the bank will not open a new account and continues to tell me it is a technical problem that's being worked on. It has been two years and I would appreciate the opportunity to bank with them again as I like the service they offer ( budgeting app on phone ). In this day and age, I refuse to believe that someone can not override or reset my information and allow me to apply successfully again. I've seen others who had the same experience after reporting fraudulent transactions. I don't know anyone who hasn't experienced some sort of fraudulent/incorrect transaction at one point or another, so I would imagine eventually the bank will cease to exist as they will have closed everyone 's accounts. Somethings not right here or someone isn't disclosing their true business practice.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (MI)

I originally started out with {$77000.00} in student loans, due to my income based repayments, I now owe {$110000.00}. I have been paying what I can for the last 7 years but continue to have my loans grow because I don't make enough money to support my family AND make a payment of at least {$640.00} a month which ONLY covers the interest. My issue is that last month, after 7 years of making payments, now the added interest is being reported to the credit agencies. It never had been, I was unaware that this was something that would change and now, every month my credit score goes down and after working very hard for a year to get out of a chapter XXXX bankruptcy and rebuild my credit so I can get a mortgage, it's getting lowered every month no matter what, even though I'm paying what the federal income based repayments plan said I can afford. How is this legal? How can what gets reported change after 7 years?!
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (SC)

Chase Bank has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead Chase Bank sends me receipts and checks WITHOUT my  signature verifying the account. Against the law. Chase Bank did not indicate Dispute on my CRs 30 days after the original dispute letter dated XX/XX/2018. Violating FCRA. I am requesting that you enforce Chase Bank XXXX and XXXX   and XXXX to investigate and report in accordance to the guidelines of the FCRA.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma (IL)

Yes hi my name is XXXX last year ago I have noticed several inquiries on my credit report from XXXX card. I gave them a call to let them know that it was fraud been done in my name and asked that they fixed the problem. They told me that they would but never have and this was last year some time in the summer of XXXX. So because they handle the situation properly I called XXXX and let them know of the situation what was going on. That it seems as if someone has stolen my identity, they did put a block on my social security number and also removed the XXXX card off my report. In XXXX of XXXX or XXXX I believe but here it is XX/XX/XXXX and it pops up again on my credit report. I have been rebuilding my credit over so I can buy me a house these hard inquiries keep putting a ding in my score. I'm really getting irritated by it cause it's getting out of hand my next step is to Laywer up and Sue XXXX card I'm trying to avoid going this route so can you all please help.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I SENT CERTIFIED LETTERS TO DISPUTE INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CREDIT REPORTS TO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  THAT WAS SIGNED FOR ON XX/XX/2018, XX/XX/2018 & XX/XX/2018. THEY DID NOT RESPOND NOR MARK THE ITEM AS DISPUTED ON MY CREDIT REPORT FROM THE FIRST INTIAL REQUEST. THERFORE I FOLLOWED UP WITH TWO MORE CERTIFIED LETTERS REQUESTING THAT THEY DELETE THE INFORMATION SINCE THEY DID NOT COMPLY WITH THE LAW. ON XX/XX/2018 ; XXXX SENT ME A CERTIFIED LETTER BACK CONTAINING THE ORIGINAL DOCUMENTS/INFORMATION I SENT THEM WITH A CIRCLE OF THE ACCOUNT NUMBER AND ADDED SOME MORE NUMBERS TO MY ORIGINAL LETTER. BY LAW ITS HAS TO BE MARKED ON THE CREDIT REPORTS WITHIN 30 CALANDERS DAYS. THEY DID NOT COMPLY WITH THE LAW NOR RESPOND TO MY FIRST REQUEST. THE NEGATIVE INFORMATION IS STILL BEING REPORTED AS VERIFIED. I HAVE SENT A TOTAL OF THREE CERTIFIED LETTERS TO THIS COMPANY. THEY ACTUALLY UPDATED THE ACCOUNT AS A CHARGE OFF AND INCREASED THE BALANCE. I ALSO SENT CERTIFIED LETTERS TO BOTH CB ON XX/XX/2018 AFTER NO RESPOSE TO MY FIRST REQUEST FROM THE COMPANY DIRECTLY AND THEY HAVE NOT RESPONDED WITHIN 30 DAYS OF THE NOTICE EITHER. TRANSUNION SENT A LETTER SAYING THEY RECEIVED THE DISPUTE ON XX/XX/2018 ; 27 DAYS LATER AFTER THEY SIGNED FOR THE NOTICE BUT HAVE YET TO DO ANYTHING ABOUT THE UNVERIFIED ACCOUNTS I SENT THEM AND XXXX HAS YET TO RESPOND. THEY ALSO HAVE NOT COMPLIED WITH THE LAW WITHIN A TIMELY MATTER. NO ONE IS FOLLOWING THE LAW HERE AND REPORTING INACCURATE AND UNVERIFIED INFORMATION ON CREDIT REPORTS WITHOUT PROOF. ON TODAY, XX/XX/2018, ( MR. XXXX  ) RECEIVED A LETTER FROM XXXX STATING THAT THEY " NOW '' HAVE DISPUTED THE INFORMATION TO THE CB. IF THEY WERE REPORTING ACCURATE INFORMATION LIKE I STATED BEFORE THEY WOULD KNOW THAT I AM OF THE FEMALE GENDER. THE ACCOUNTS STILL REFLECT THE SAME INFORMATION JUST AN INCREASE IN THE BALANCE OF A CLOSED ACCOUNT. I CLEARLY STATED IN THE NOTICES TO ALL THREE COMPANIES INVOLVED OF THE 30 DAYS AND WHAT I WANTED TO HAPPEN AS A RESULT. I STILL WAS IGNORED.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to Equifax, XXXX, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. XXXX has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Plus Inc (NJ)

XXXX XXXX & XXXX XXXX of 2018 I received my credit profile from a mortgage lender ( XXXX XXXX  ) which included errors. My first thought was that the error was just a mistake, but when the second file had the duplicate entry I filed the dispute. Credit Plus is the credit report provider for mortgage companies and I am having a difficult time receiving information. I called twice on XX/XX/XXXX to follow up on my dispute and was cut short by one representative that was rude and not helpful. I emailed this company twice and was told they have to wait for the manager to assign the case to a representative. How long does this take? No one has acknowledge my request yet. This inaccurate information is having a negative impact on my credit and score. I checked my three reports with the major bureaus and do not see this duplicate entry ( XXXX XXXX line of credit ). This makes me believe that this Creditplus mortgage report is the one reporting incorrect information. Additionally, the mortgage company had to run my credit twice which has caused my score to decrease. I asked the company before filing the dispute if they will provide a new report and accurate score once complete and they stated no. The only way to regenerate the credit and score is to pay. Why am I being penalized for these companies reporting this improper data? I am in the process of getting a mortgage and this is hurting my chances of obtaining a mortgage.
Consumer complaint received 2018-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

At approximately XXXX XX/XX/2018 I recived an email from XXXX XXXX regarding Hard Credit Inquiry for something labeled as " Khols/CapOne ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. 
I attempted to dispute the Hard Inquiry online with XXXX  but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. 

Thank You
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

Between XXXX XXXX and XXXX of 2018 I bought 2 prepaid NetSpend cards for my XXXX year old daughter and XXXX year old niece. I did not know they had to be over XXXX to use the cards, according to NetSpend. I loaded {$200.00} on each card, when I called to activate them, I told them who they were for, and that's when they told me they couldn't use them. I then asked them to transfer the funds to my other NetSpend card, which they said they could not. They then told me they would send me a refund check for the {$400.00} I put on each of the other cards. I have not received my money back up to this day, and I would like all of my money returned immediately. This took place at the XXXX XXXX on XXXX and XXXX in XXXX XXXX at approximately between XXXX and XXXX, possibly on XX/XX/2018.. NetSpend had me put my daughter and niece on the phone so they could question their identity, and then allow the girls to access the funds by having checks sent to each of them in their names, which I reluctantly agreed to because they said that's the only way to recover my money, which I have still never received. Please help me get my money back, I'm a single mother that was just trying to make my daughter and niece happy, but I didn't get to do it that way, because NetSpend refused to return my hard earned money back to me.
Consumer complaint received 2018-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GRANITE STATE MANAGEMENT & RESOURCES (NJ)

On or around XX/XX/XXXX I have been in communication with my student loan lender ( Granite State Management & Resources XXXX XXXX XXXX XXXX, NH XXXX ). I am currently applying for a major loan and I need my actual payments when my loan go into repayment. I have been advised that my account can not go into repayment or that they can not update the payment until the grace period elapses. The system would show that I am on the extended plan, however, will not change the term from 120 to 300 months. This document will determine whether or not I get the loan. Therefore, it is urgent that someone help me. I am not able to wait until XXXX of 2019 to get my correct payment data. Additionally, I was told the Department of Education will not allow me to go into repayment status before the grace period. I have other loans with a different provider and I didn't have this problem.
Consumer complaint received 2018-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

Caliber Home Loans has refused to deal with me regarding my mortgage loan delinquency and impending foreclosure. I have been trying to get Caliber to provide me with assistance on our home mortgage, but they have turned their backs on our situation and we are going to end up losing our home through foreclosure if things keep going this way. My wife and I went through some very difficult times in our relationship and ended up separating. During this time we fell behind on our mortgage and were not able to get things back on track quickly. Fortunately, we are back on our feet and can now afford the mortgage payment. However, when I attempted to work with Caliber, they simply ignored my requests for assistance and now I am in a situation where we may lose our home through foreclosure. I have XXXX young daughters and nowhere to go if we are kicked into the streets. Our backs were against the wall and the agents at Caliber couldn't care less. 

We have asked for a loan modification but it seems they can not get their process together well enough for us to finish the process. I would even take a forbearance agreement to give my family a chance to get caught up, but Caliber has closed the door on that option. I have tried repeatedly to get Caliber to provide us with a solution through a modification, but they are refusing to open a review for assistance. We believe that we have the right to have our loan reviewed for retention options and to obtain a mortgage statement. Their representatives just want to get us off the phone and will engage in discussions to save our home, even though our mortgage loan clearly qualifies for a modification based on the government guidelines. We have never had a single point of contact and we are very frustrated. The end result appears that we will just lose our home through foreclosure unless you can step on and ensure that they service our loan properly. Your agency has made the parameters of loan servicing very clear and we refuse to lose our home through foreclosure because Caliber is failing to properly review our loan for assistance.
Consumer complaint received 2018-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I deposited a {$58000.00} check to my business account on XX/XX/2018 at Santander Bank in XXXX XXXX on XXXX  XXXX of New Jersey. The teller did not provide me with any funds availability note in written or verbally. I stopped by again on XX/XX/2018 to get help in vain.
Consumer complaint received 2018-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (MA)

Hello, I just got out of the phone with XXXX XXXX XXXX XXXX in regards to a collection that shows on my credit from PERFECTION COLLECTION LLC. They mentioned that they are now holding the debt the original creditor ( XXXX  ) and the balance was paid and they agreed to remove it from my credit report. 

XXXX is home security company that sold the debt to Perfection Collection company and they hired XXXX XXXX XXXX XXXX to collect. Please see the attachment that the balance that's reporting on my credit reporting agency are wrong and they've agreed to remove it.