davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to ALL CREDITORS I have attempted to contact all the companys involved many times to have our credit information to be updated. Our Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by and my credit score impacted further- this is in VIOLATION of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

None of the above apply, so please forgive the improper selection. 

My credit score ( I only monitor TransUnion ) dropped nearly XXXX points since last month. The only change in the report is that I paid off more than {$1000.00} in the debt that I owed. No new accounts, no delinquencies, no loss of open credit. Just a lower balance due. 

In essence, by paying down my debt I 've hurt my credit. This is an obvious case of lowering someone 's credit purposefully and without reason to give creditors grounds for higher rates. Please aid me in rectifying this, I 'd rather not have to take it up in a civil suit.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (DE)

We are moving to NJ and buying a house. Original closing date was XXXX/XXXX/2015. We applied for a mortgage loan from JP Morgan Chase, but It is delayed by Chase mortgage underwriting for two weeks already. The mortgage officer make some errors in the application form, and underwriting has been veyr un-cooperative. They request documents a few at a time, and do n't review in time at all. Still not fully reviewed as of today, XXXX/XXXX/2015.
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I am a court appointed guardian for a legally XXXX person. I have been the guardian since XX/XX/XXXX. I have had a guardianship bank account with Chase Bank ( now JP Morgan Chase ) as Guardian since XX/XX/XXXX. I pay all of my wards bills. XX/XX/XXXX, Chase closed the account without any notice to me, with no explanation at all, and my ward 's rent checks, utility checks, phone bill, hospital bill payments, clinic payments, all bounced. Then, after closing the account ( which had nearly {$7000.00} in it at the time ), Chase sent the funds not to me as Guardian at the address listed on the account, but instead to my ward 's address. Since he has a XXXX XXXX, he had no idea what the check ( XXXX ) were, and only due to his sister finding them did I recover the funds. Chase has failed and refused to address this in any way.
Consumer complaint received 2015-07-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (GA)

I am in an active approved short sale on my home with Suntrust Mortgage. They are my XXXX lender, and are attempting to foreclose. They JUST approved the short sale XXXX/XXXX/15 -- as we have a BUYER, w/ earnest money and pending due diligence/inspection. In the SAME document, they stated that they may still go forward with a foreclosure. I can not understand why they would give us until XXXX/XXXX/15 to close on the sale of the home, yet still state that they are going to possibly foreclose. I want SUNTRUST to REMOVE ALL POSSIBILITY OF FORECLOSURE ( they attempted to foreclose XXXX/XXXX/15 and I had to go file a bankruptcy to prevent foreclosure ) and allow us to satisfy all parties : the seller, the buyer, the realtors and the bank. The realtors spent countless hours finding a real buyer with a family, NOT an investor to flip the home, I have endless stress due to the inability to be clear on their intentions. PLEASE LET US CLOSE AND MOVE ON. They will not even offer me CASH FOR KEYS so I and my family can move -- there are no funds to do that. They said they would refuse the short sale if we asked for any money from them for ANYTHING ELSE. 

Give this new buyer a chance to have this home, let me exit with dignity from a cleaned home ready for the new buyer, allow a small amount of CASH FOR KEYS TO RELOCATE and the American dream will inevitably be reached by all parties. 

Suntrust needs to be less greedy and more accommodating during this long awaited transaction.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have a derogatory mark from the state of Oregon child support division. I paid the account arrears and they were supposed to fix all this. The reporting is inconsistent and unfair.The dates logged on my report are not consistent with the previous reporting practices. I was retaliated on from an employee that made her personal problems mine. I then dealt with a different case worker.
Consumer complaint received 2015-07-13
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Comerica (CA)

Finances wired to bank account of XXXX XXXX XXXX Comerica Account. This occurred between XXXX XXXX XXXX XXXX, 2015. The finances stolen were wired by attorney XXXX XXXX a representative for XXXX XXXX XXXX XXXX XXXX, Texas. 

Funds may have been intercepted by an Attorney from XXXX or XXXX XXXX XXXX for a young adult XXXX " XXXX XXXX ". XXXX XXXX is possibly claiming custody over my welfare through fictitious a power of attorney generated by XXXX or XXXX XXXX. I believe these acts have been committed for XXXX XXXX XXXX. who is managing an Probate Estate/Trust for my family which I am beneficiary of. 
The bank has not personally contacted me regarding the disappearance of these finances and has also denied knowledge of this matter. I believe it was an inside job committed by a banker who knows my social and was monitoring my account activity. 
Could you please review this matter promptly because my life is now threatened by XXXX members and XXXX XXXX connected with XXXX XXXX associating me with drugs lords within their rank and file. Controlled Substances are secretly controlled here in the states by members of their Agency. XXXX XXXX and XXXX XXXX are both XXXX. 
Their agency is claiming I am affiliated with XXXX XXXX through the device the XXXX XXXX which resulted in their effort to settle the claim out of court. The finances were wired to me because my social environment is littered with XXXX XXXX XXXX now surrounding me via a XXXX XXXX XXXX. 



XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My information was involved in a data breach with XXXX and Im also a victim of identity theft In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MD)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XXXX a letter was sent to XXXX, Experian and XXXX requesting proof that XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is reporting accurate information on my credit reports. I challenged my name, addresses listed and account payment history. I have been challenging this account for over a year and still receive the same response " Account Updated ''. But nothing has been updated and the inaccurate account has not been removed. 

I have since paid the account in full but it still reporting all the inaccurate information. I requested this account be removed because of all the inaccuracies, but Experian and XXXX still refuse to remove this account. XXXX has deleted this account from my credit report. This account has at least 25 inaccuracies reporting in its payment history. Please review attached documents as proof of inaccuracies.
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TN)

I have several issues with EdFinancial. XXXX ) They have reported an additional $ XXXX in student loans to XXXX credit bureau. They reported my consolidated loan, then reported one of the loans included in the consolidation as a separate loan as well. My loan balance was $ XXXX & they reported $ XXXX in XX/XX/XXXX and havent updated my XXXX credit report since. This is unacceptable! XXXX ) They reported my loans as deferred to the credit bureau in XX/XX/XXXX, my loans are in repayment status. XXXX ) I am on the SAVE plan as of XX/XX/XXXX. I made my FULL payment of {$49.00} on XX/XX/XXXX. However my XXXX statement shows nothing applied to my principal and {$820.00} applied to accrued interest. Per studentaid.gov website, if I have the SAVE plan & my full payment doesn't cover the accrued interest, the government pays the accrued interest. So my loans should not increase due to accrued interest. My loan balance increased by {$820.00} in XXXX while I was on the SAVE plan due to accrued interest. XXXX ) When I was approved for the SAVE plan on XX/XX/XXXX, I was informed in writing that my payment would be {$49.00} and I would need to recertify in 12 months. On XX/XX/XXXX I received my XXXX statement indicating my payment of {$49.00} is due in XX/XX/XXXX. On the morning of XX/XX/XXXX, I went to my EdFinancial account and my payment amount was showing {$49.00} due on XX/XX/XXXX. I went back to the EdFinancial website to view my account later that afternoon ( the same day ) and it was showing a payment of {$70.00} due XX/XX/XXXX. I was puzzled about why my payment changed in a matter of hours. I called customer service and they said my payment amount had been recalculated or recertified although the 12 month period before recertification was due hadn't expired. Its only been XXXX month since they approved my SAVE application and communicated my new payment amount of {$49.00}. I was transferred from XXXX to this AWFUL servicer, EdFinancial in XX/XX/XXXX & I have had nothing but problem after problem with them. I had XXXX for at least a decade & never had one issue. XXXX was professional and competent. XXXX XXXX was my servicer before that and never had any problems. EdFinancial should not be servicing DOE student loans. Their staff is unfriendly, the company is completely incompetent and their costly mistakes affects people 's lives! I see so many online complaints from other borrowers about missing payments and all kinds of payment & loan errors done by EdFinancial. I have worked hard to buy my first home, but the errors reported on my credit report and the ever changing loan payment amount can affect my ability to get a mortgage.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

It 's concerning the XXXX auto payment closed XXXX of 2008. We paid that bill in full after the car was totaled by the insurance company- XXXX XXXX XXXX There should not be anything derogatory concerning this account. We were never late on payments and they received the total due in XXXX of 2008. I would like this negative mark removed from my credit report. Please check with XXXX to confirm. Thank You
Consumer complaint received 2015-07-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Began working towards a modification of the mortgage XX/XX/2014, when the loan was 60 days behind due to loss of income. It was NOT in default at that time. Company continuously loses documents, delays proceedings, and is currently engaging in multiple Dodd-Frank violations with my FHA loan. Refusal to accept payments has put the loan even more behind than when initial talks for modification began.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (TX)

The company Green Tree servicing has posted information the all XXXX credit bureaus that is not true or accurate saying that my property is affected by natural or declared disaster. This is not true. Even if it were true it should not be reported on my credit report since it has nothing to do with my credit worthiness. There has not been any natural disasters occurring anywhere near my home. I live at XXXX XXXX XXXX, XXXX XXXX, TX XXXX on high ground. 
GREEN TREE*XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX -- - XXXX AFFECTED BY NATURAL OR DECLARED DISASTER
Consumer complaint received 2015-07-13
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (AE)

DMI Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX XXXX XXXX member XXXX, DMI sends only correspondence via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get overseas. I have given them my email over and over but they only refuse to speak thru official mail.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has stalled for 5 years on a modification. It has added enourmous amounts of fees to my account. If in 2010 they would not of sent me a letter telling me to be 90 day late on my mortgage, I would not be in this position today.It has been 5 years of XXXX. Speaking with someone different every time you call, to no answer for weeks at a time. In California we are to have XXXX point of contact and there has been XXXX in the last 10 months. My loan was origiated with Washington Mutual and they have yet to prove how and when they aquired the loan. Now after 5 years they tell me XXXX XXXX owens my loan not them. They have encased over {$150000.00} in extra fees on my accout because of their incompetence. When we whent to refinance in 2010 from an ARM to a fixed they continued to turn us down, even though we had perfect credit, saving in the bank and permenant jobs. This bank has stalled and stalled this process way to long. We did not over extend our finances. Now they have us over extended and in a hard place.Title on our home is so clouded no agent want to touch the process if we wanted to sell. This bank is evil. They play games for months on end putting peoples lives in turmoil, I am beginning to think they like to do this so people will just give up.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CA)

I am presently in a debt settlement program. One of my accounts in the settlement program is with JP Mortgage Chase. Chase relentlessly called me at home and on my cell phone at work. I was instructed by my debt settlement company to send a letter to Chase to cease contacting me by phone and especially by cell phone since I was not allowed any calls at work. I sent the letter around XXXX/XXXX/15 Certified / Return Receipt. I stated that I wished to be contacted either by email or home address only not by phone. I received the return receipt dated and signed on XXXX/XXXX/15. However, the phone calls continued ignoring my request to cease by contact by phone /cell phone at work. JPMorgan Chase has now turned my letter over to XXXX XXXX a collection agency which has called 3 to 4 times a day on both my cell phone and home phone. I received a letter from XXXX XXXX dated XXXX XXXX, received XXXX XXXX but I starting receiving these calls prior to receiving this letter. I am in the process of trying to settle my account with JPMorgan Chase. My next step is to contact this collection agency to stop harassing me by phone. But, I doubt that will end. Since, this XXXX XXXX has many complaints against it for its debt collections practices. But, I wanted to file a complaint with the CFPB regarding the 3 to 4 calls a day since XX/XX/XXXX and now into XX/XX/XXXX. I was informed that these collections agency may call you once a day. If this is true then is XXXX XXXX in violation of Fair Debt Collection Practices Act?
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX, I requested a credit line increase on my Capital One credit card, which I have paid faithfully and on time since opening it XX/XX/XXXX. The attached letter is dated XXXX XXXX, which is strange because it was n't available anytime this weekend, leading me to believe that a computer made the decision and not a human being. The reasons stated is " Payments are too low. '' What in the world is that supposed to mean, and on what basis is it made??? XX/XX/XXXX I transferred about {$400.00} over to their card and a 0 % interest rate, meaning that if I do n't be the balance off in full during the promotional period, they reap the benefits of being able to charge me a higher interest rate. 

Additionally, earlier today, XX/XX/XXXX, as a result of their decision, I attempted to call Capital One to opt out of any further solicitation, since I will limit the use of their card in the future. All I got was a string of disgusting doubletalk from a very rude representative, who did n't tell me whether they would actually opt me out or not. I concluded the conversation with this rude XXXX, who acted more like a robot than a human being.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Army and Air Force Exchange Service (GA)

For over XXXX years, AAFES charged me directly from my social security XXXX check payments to pay back my mil. star account, even though prior to them doing that, I tried to tell them I was XXXX and could only pay XXXX dollars a month, but it was not sufficient for them. 
I contacted them again in 2014 claiming It had been more tan paid and again to tell them I now was diabled 100 % and they were hurting my pocket. 
They went ahead after many emails and supposedly pardon balance of debt and returned a refund, saying it was now paid in full, but has reported my credit as a charge off even though I have been XXXX for many years. Iam requesting your intervention for the XXXX time against this creditor and investigate if I was legally forced to pay since my supposed balance was XXXX. They should reimburse me. See attached letter sent by them after my complaint.
Consumer complaint received 2015-07-13
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Capital Management Services, LP (NM)

Capital Management is calling my cell phone and leaving messages directed to me specifically however they are looking someone else and They give a reference # and phone # to call back. I think it 's really weird and creepy how they got my name and cell phone number. Furthermore they are attempting to collect a debt on someone else but yet are trying to get information out of me as to where this other person is. They are pushy, negative, and advise they will keep calling. Also in the message they said it 's about a light and do n't identify themselves and their initial purpose until I call them.