davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC (FL)

this lender has been deceitful, they have been negligent, and have been very under handed and have lied several times to me. they do not answer phone calls and they do not answer questions they talk around you and never actually answer a question they do not know what they are doing and try to lay the blame on anyone else that they can. they keep asking for more and more for you to put out then they tell you that the closing costs are rolled into the loan but when it comes time to close they ask you for more money. .they blame the realty agents and never take responsibility for their wrong doing. Do Not use this company as one person said RUN RUN fast from this company and I believe that a troop of monkeys could do a better job. They don't close on time they lie and tell you that you can close in 15 days and now it has been almost 3 months and I am no closer to closing than I was 3 months ago .they are responsible for malfencence, complete in-competency and don't believe a word anyone there tells you. because trust me it will be a lie. I hope this keeps some people away from this company and saves them the heartbreak stress and the horrible miss handling that I have been put through CITYWORTH mortgage company in XXXX Virginia is a horrible company do not use them for even a loan to refi or anything you will be sorry
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (VA)

Over the past year I have been electronically,  XXXX , financially,  XXXX ,   XXXX   XXXX   by corrupt law enforcement,  landlord  and his firemen friends. They stole many items of min e, one being a credit card out of my lock box. I contacted the company, reported it to the credit bureau and the IRS. Attempted reporting it to police but they just laughed, I also called the  XXXX  State Police but they refused to help. I 've moved to   XXXX   and the  XXXX  has continued. It 's difficult  getting help when it 's the police causing the problems. There 's many issues of  XXXX  going on in my life and I have many documents and the electronics to show what I 'm telling you is true. I 've reached out to the FBI for help but they apparently also do n't care even though my current landlady 's husband was just prosecuted by them for many of the same issues involving local politicians.
Consumer complaint received 2017-07-07
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: Experian Information Solutions Inc. (NV)

I was a previous XXXX XXXX and a victim of a security breach of personal data at the OPM office. After being notified of this I pulled my credit reports and found an in accuracy on the Experian report. I filed a dispute for the in accurate items but they were not removed, nor would they reinvestigate them even after I offered to send the letter from the OPM office proving the security breach. There were no in accuracies on the XXXX or the XXXX reports making it all the more evident my personal information had been compromised. <P/>I have tried several times to provide them this information in addition to redisputing the entries. They simply refuse to reinvestigate. These entries are damaging my credit and will cause me to pay higher rates for any loans that I may obtain.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Under the new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

P1.Good morning. I 'm in the process of buying a home. Talked to some lenders ; they pulled my credit. In connection with the pre-approval/pre-qualification process, I get the " Notice to the Home Loan Applicant. '' The last full paragraph states that, if I have  questions about the credit score or credit information, to contact the agency at the contact information below. <P/>P2.I contacted " Transunion Consumer Relations '' on XX/XX/XXXX at the number given to find out more about the " key factors that adversely '' are affecting my credit score. Transunion listed 4. The XXXX provided does n't get you anywhere close to talking to someone. It is just a number to get a copy of your report. That is the first problem. <P/>P3.I searched Transunion 's website for a number to call to talk to someone. I called XXXX ( on XX/XX/XXXX ) to ask about the factors these factors. I first spoke to XXXX XXXX who stated someone else would have to handle my questions and transferred me to XXXX XXXX, who initially did not want to provide a last name or an employee ID. I started asking my questions generally ; she said I had to talk to a supervisor. The supervisor was not available, so she was stuck with me. <P/>P4.Insufficient Length of Credit History - I asked her what this means since I have had credit since the early XXXX 's. She could n't give me specifics about this, only guessing that it " could be '' this account or another account. I asked for specifics, but she kept recycling the same response. <P/>P5.Proportion of Revolving Balances to Credit Limits Too High - I thought this could be easier since it is talking about proportions ( a different way of referring to a percentage ). I asked her what is too high so I know for future references and can better manage my credit. Again, same canned response without any specifics. I terminated phone call. <P/>P6.The other two factors are " Amount Owed on Revolving Accounts is Too High '' ( again, what is too high? ) and " Proportion of Loan Balances to Loan Amounts is Too High '' ( again, what is too high? ). <P/>P7.I attempted to find answers to my questions on Transunion 's website but I could not locate it.
Consumer complaint received 2017-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

These alleged actions violate the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. By law, debt collectors may not : call you before XXXX XXXX or after XXXX XXXX. contact you at work if youve told them verbally or in writing that your employer doesnt allow you to get such calls in the workplace contact a third party, such as a friend or non-spouse family member, about you for any reason other than getting your contact information harass or abuse you or anyone else they contact about you lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : claim to be law enforcement officers claim that youll be arrested if you dont pay your debt threaten to seize, garnish, attach or sell your property or your wages unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting company use a fake company name Ok so now we know the laws on XXXX XXXX XXXX I received a call at XXXX XXXX I was contacted by Tower Loan of XXXX, MO on XXXX XXXX and was asked why I was late on my payment So then I told them I 've entered into Chapter XXXX Bankruptcy and was told by my Lawyer to give them Her Contact Information and I was then Transferred to the Manager there he immediately told me to give him a time to come pick up the collateral against the loan I have with them. I told him there not getting the Collateral I 'm Filing Chapter XXXX Bankruptcy and attained a Lawyer to contact her. The Manager got verbally load and unreasonable telling me to hand over the collateral that Bankruptcy does n't matter that is there Stuff. I got load with them and hung up.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I checked my credit report to find that Bank of America is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from Bank of America to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and XXXX.
Consumer complaint received 2017-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have disputed many items on my credit report with all three credit bureaus and Transunion is not taking my disputes or providing me any evidence of the accounts that I so call owe on. XXXX removed all accounts that I disputed with them, but Transunion keeps removing and putting back on the same accounts. I sent in police reports of dates when I had personal information stolen from my vehicle. I have disputed the same accounts with them three different times.
Consumer complaint received 2018-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

I have my student loans set up through Navient. I was placed on forbearance during residency. I was told that I would have a 6 month grace period after graduating residency before I would have to enroll in payment ( I do not recall this person 's name as it was many correspondances ago ). I then found out that this was not true. Then while setting up income based repayment I was told numerous different amounts that I would be responsible for. Since XX/XX/XXXX I have been trying to pay my monthly payment with autopay. However, every month so far there has been an issue ; meaning every month I am given an alert saying I have a past due balance and that I should/can enroll/need to enroll in auto pay. Every month I call and someone attempts to fix it, points out that past person 's mistake and tells me it's taken care of. There is no accountability or penalty for Navient and their poor handling of my loans.
Consumer complaint received 2018-04-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (CA)

My mortgage was sold by PHH ( XXXX XXXX ) to XXXX in XX/XX/XXXX. Then in XX/XX/XXXX PHH filed a {$51000.00} promissory note against my house supposedly for a loan modification, which was never filed. They told XXXX  I was behind 10 payments. I have proven there were only three payment behind when XXXX  took over my mortgage. The Promissory Note is taken care of by HUD and I contacted HUD and they also reached out to PHH, who never responded. I am trying to sell my house and can not do that until this promissory note is removed from my mortgage for a company that no longer holds my mortgage. I am going on 6 months of not being able to sell my house, afford my mortgage, have my payments to my new loan company posted ( reaping the benefit of interest write off on my taxes ), and processing a pending divorce.
Consumer complaint received 2017-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This complaint is about Transunion credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us government.
Consumer complaint received 2018-04-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

InXX/XX/XXXX, I mailed a certified letter to Experian and I never received the results of the dispute. I received an updated credit report in XX/XX/XXXX from Experian stating that the item XXXX XXXX in the amount of {$13000.00} was verified but it did not include any documentation stating how they verified the information. I called Experian and they stated that they verified the information and they have documentation on file, when I requested the information I was told they have sent it and I explained to them I have not received the information and I was told I would have to dispute it again in order to receive it. I also requested that all address that were being listed were reporting incorrectly and that the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. Any other address listed should be removed as it is not my address.
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

my personal information was used to obtain student loans and I had no knowlege my personal information was lost before however I did know until last year that some one had been using my identity and its been crazy trying to prove im who I say I am ever since I need help getting these accounts removed from my credit reports
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I have reach out to the department of education for Navient about the reporting on my credit card showing that i was late 90 days For XX/XX/XXXXover 10 times since my credit score has been impacted. Requested several time and even hand written a goodwill letter to the department in XX/XX/XXXXExpressing and apologize if they didnt receive my electronic paperwork in time for the repayment plan. I explain to them i suffer for migraines which is why i requested for the plan to give me time to get my healthy again to be able to work which they agree to but got blindsides with being reported late.
Consumer complaint received 2017-07-06
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: EQUIFAX, INC. (MO)

In late   XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but be cause of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
Consumer complaint received 2017-07-05
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: STERLING JEWELERS, INC. (FL)

Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by Kay Jewelers to the credit bureaus. Kay Jewelers said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, Kay Jewelers refuses to remove the negative information off my credit reports.
Consumer complaint received 2017-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In lat e  XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they we re doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

I XXXX for a company called XXXX XXXX. I received an email from a person calling herself XXXX XXXX, stating that her boss wanted her to make an order with the company. She asked what the total would be, and I told her {$320.00}. She said that a check would be in the mail for me and that she would let me know when it was shipped. On Wednesday, XX/XX/XXXX, I received the check, but it was in the amount of {$2200.00}. I was told by XXXX that her boss had accidentally sent me the total for XXXX 's paycheck instead of just the amount for the order. She wanted me to deposit the check, make the order, and then send her the remainder of the money for her to take care of her bills, kids, and mother. I deposited the check that same day. The amount of the check showed up in my transactions, but had n't shown up in my balance until Saturday. That indicated to me that the funds were available and the check had cleared, so made the online order and then I sent the rest to her. Yesterday,XX/XX/XXXX, I noticed the check had bounced. I spoke with the bank about it immediately and they did n't refer me to the fraud department initially. The lady I spoke with told me that there was nothing they could do, and to contact Wal-mart and the police department. I called today and spoke with the fraud department, and I was told that there is a difference between funds availability and the check clearing. Today, I also drove an hour to the Navy Federal branch, where I posed the question " how would I distinguish funds availability from a check clearing '', and I was met with a response of " the account would not look any different in either instance ''. What I 'm left not understanding is why were the funds shown available if the funds were not truly available? I was also told at the branch today that the funds were shown available because the bank trusted that I knew where the check had come from based on my relationship with the bank. Ultimately, it seems that the bank was just as trusting in me as I was in the person who sent this check asking for products specifically from the company for which I XX/XX/XXXX, so why am I the one being held liable for this negative account balance?
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NC)

On XXXX XXXX, I received an email to my personal XXXX address saying " Your Brink 's Prepaid MasterCard is on its Way. '' I have never applied for a prepaid card nor interacted with Brink 's in any way. I called the customer service line to report what I thought must be fraud and cancel any account opened in my name. The representative said she had cancelled the transaction. <P/>Today, XXXX XXXX, I received a second email confirming that a prepaid MasterCard was ordered. This time, the email was addressed to someone named XXXX XXXX and advertised the Brink 's Prepaid Card mobile apps. <P/>I need for this communication and the fraudulent account to be stopped immediately.