davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
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: Experian Information Solutions Inc. (NY)

I was XXXX  for five years. I was released XX/XX/2016 from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-03
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: DISCOVER BANK (NY)

XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2018 I got a payoff quote for my loan with Chase Bank of {$6200.00} with a balance on my last statement dated XX/XX/2018 of {$6100.00}. I called in and spoke to a customer rep to make the payment of {$6200.00} and she said I couldn't make it as it was more than I owed. I explained that is my payoff and she said that it can not be done by her. I then spoke with a supervisor who told me that I can not make payoffs over the phone for which I believe is a violation of banking rules as they allow payments by phone which are taken directly out of my account. The supervisor said he would process the payment amount of {$6100.00} which is the amount on my last statement. I said I wanted to pay it all off and not pay compounded interest on what has already happened. He said he would take the remaining money from my escrow account and it would be paid off. I said ok then he said he couldn't process the {$6100.00} and he could do {$6100.00} which he then did. The money was taken directly out of my account as I authorized it. I don't know why I can not make a payment of my full payoff or even the amount on my last statement for that matter over the phone. 

To me it is a way for them to keep accruing interest on my loan without giving me the ability to pay it off in full. 

While the employees are very nice and tried to do what I was wanted they don't have the ability because of the computer system. This system is flawed and causes hardship and unnecessary compounding interest to be accrued. I feel their system should be fixed and they should be fined for not allowing me to do a payoff in full or even pay the amount owed on my last statement.
Consumer complaint received 2018-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

My loan modification was denied based on lack of ability to pay which I believe is incorrect. I've attached supporting documents to substantiate my income. It has always been my intent to repay my loan and keep my home. My home is scheduled for foreclosure on XX/XX/2018. I am only asking for an additional time to explore my options for saving my home and be able to resubmit and an application for loss mitigation.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The security verification is incorrect. 
I do not recognize any of the loans that the security verification recognizes and I noticed that the month and the year that the loans were issued I wasn't even in town. 
I noticed that sometimes two different individuals with the same name might get confused with each other so I just wanted to make sure that this is not the issue. 
If this is not the issue then I need help getting into my account but I do know that information that it's requesting me to verify is inaccurate.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Improper Reporting & Inaccurate Reporting Violations : ( XXXX ) 2 times charged off, which is a violation of the statute of limitations : account can only be charged off XXXX time. 
( XXXX ) Account written off for {$100.00} and reported as late ( XXXX ) XXXX different collection companies for the same account I am writing to formally dispute inaccurate reporting tactics and information that appear on my credit reports. Pursuant to my rights under the FCRA specifically 15 USC 1681i ( a )., and 15 USC 1666b, and 15 USC 1637a. 

Please conduct a investigation for XXXX reporting violations of inaccurate reporting, therefore it must be deleted from all of my credit files
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the Bankruptcy Law Act. Docket # XXXX & Docket # XXXX
Consumer complaint received 2018-12-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PROSPERITY BANCSHARES, INC. (TX)

My mother was financially XXXX by her grandson. She was threatened by XXXX XXXX if she did not go to the bank and withdraw her CD of {$170000.00}. The banking officer was made aware that my mother was scared of her grandson and did nothing about it. This was taking place at Prosperity Bank in XXXX Texas on XXXX XXXX. When I found out about the transaction I immediately went to the banking officer XXXX and reported this as elderly abuse of my mother. I sought assistance from an attorney who placed a temporary restraining order and a temporary guardianship and was to freeze the bank account from any transfers of the funds. Prosperity Bank allowed the funds to be transferred to the grandson 's father who is an ex-husband and has not seen my mother in over 20 years. The bank refused to freeze the assets and allowed the transfer to take place of {$150000.00}. The bank will not release the records to where the money was transferred to and will not guarantee to replace the money due to their era in not using the suspected XXXX XXXX   form that the government requires when alerted of XXXX XXXX. The local law enforcement agencies have not helped. The local XXXX Texas Adult Protective Services were contacted and have not helped. My mother has now lost {$170000.00} her life savings to someone she doesn't even know. The bank will not help us the local officials will not help us.
Consumer complaint received 2018-12-03
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. (GA)

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

This complaint is being filed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, currently representing XXXX XXXX XXXX in the Foreclosure Case against her No. XXXX ( Plaintiff : Santander Bank ).

We have been assisting XXXX XXXX   throughout a Loss Mitigation Process as she works diligently to avoid foreclosure and resolve her delinquency. All documents requested by the Servicer ( also the Plaintiff, Santander Bank ) have been provided and it has been confirmed all documents have been received.

Santander Bank is not accepting the format on which XXXX XXXX gets paid. In an effort to assist the Servicer to verify income, we have provided supplemental income proof ( XXXX Employer Letter and Tax Return ). The Servicer refuses to verify income for XXXX XXXX  and they continue to ask for Pay Stubs to be provided in the specific format they request.

XXXX XXXX XXXX has no other way of showing her income. Her employer will not modify their Pay Stub format for a Loss Mitigation Review. We believe it to be in bad faith that Santander is not considering any alternate way of income verification.
Consumer complaint received 2018-12-03
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: RFNA, LP (MS)

I have Dispute republic finance it was removed then added back this weekend. XXXX XXXX  company employees managers. Have been using my information for years fraudulently doing things. Only someone with acess to all my information could do this. Im in the process of hiring a attorney to prove this. I have reported this to usda and they have did nothing either. There is a way legally this can be traced its happening at the office of rainervilla apartments and on there personal time
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX EQUIFAX XXXX XXXX XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX # XXXX XXXX, OH XXXX
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We want XXXXXXXX XXXX XXXX  investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX  XXXX We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca XXXX acct # XXXX XXXX XXXX XXXX *
Consumer complaint received 2018-04-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (VA)

In early XX/XX/2014, my mother applied for a student loan from Sallie Mae to finance college. She was in a hurry to get a loan, as she waited too long to apply, and looked to Sallie Mae to get a loan. It offered her very high interest rates, which she was inclined to accept so that I could go to college. Over the last 4 years, Sallie Mae has consistently raised the interest rate on the loans despite both my mom and I having a credit score of over 700 and never missing any payments. The interest rates on the two loans are now at 11.25 % and 10.125 % APR!!! Sallie Mae has been raising the interest rates in 0.125 to 0.25 % increments every 6 months or so. I also have reason to believe that payments are not being disbursed correctly between interest repayments and principal repayments. I believe it may be applying parts of payments that should be deducted from the principal and recording it as interest repayments. 

I am not sure if what they doing is even legal for a loan servicing company in the United States. Interest rates are increasing for no apparent reason on loans that are already at levels way above the average interest rates for student loans. Consistent payments each month are only deducted from accrued interest regardless of the amount we pay. We are planning to refinance the loans with another company once I graduate this year.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, Chase Bank notified me by mail that the Bank will close my credit card ending XXXX on XX/XX/XXXX for the reason " continuing the relationship creates possible reputational risk to the company ''. This is puzzling to me as the account is in good standing, furthermore, my credit score is over 800, and my credit report shows no derogatory records of any kind. Calling the number they provided gave me no further information. I have attached here the letter I sent to Chase on XX/XX/XXXX. Chase had also denied my credit card application in XX/XX/XXXX. I had also opened a Chase checking and a separate savings account on XX/XX/XXXX with total deposit of {$450000.00}. After 2 weeks they froze the account and gave back my money. I have attached here the 2 inquiry letters I sent to Chase ( dated XX/XX/XXXX and XX/XX/XXXX ) and Chase 's response on XX/XX/XXXX which stated " previous unsatisfactory relationship with the bank ''. The problem is I have never had any problem with Chase or any other bank. AT this moment I still have 2 Chase Cards. Chase simply would not tell me what the problem is. I would like a chance to find out and address any problems, be it a misunderstanding or mistaken identity. I would really like to find out and address the problem.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/XXXX A contract was signed with XXXX. My contract was good until XX/XX/XXXX. On XX/XX/XXXX the FTC of XXXX shut down XXXX because it was a scam. Chase Credit card services contacted the merchant and the merchant responded that they would not refund me the money. 

When the FTC shuts down a company they freeze all the money of that business. The merchant could not refund my money even if they wanted to because of the freeze on all their accounts. 

I was not asking for the merchant to refund the money I was asking Chase to refund the money. I have been involved in this dispute with Chase since XX/XX/XXXX. Each time they ask for the same paperwork because they can't keep track of the paperwork I have sent them. I have submitted paperwork substantiating my claim for a refund. Each time they say they don't have the paperwork so I send it again. How can a company refuse a refund when they can't keep track of documentation supporting the dispute. 

I had a year contract with XXXX I sent Chase specific documentation of what services I received during that time period and what services had not been received. I sent them the signed contract, letters, invoices, FTC paperwork etc. The proof they have that I was misled lied to and cheated out of {$35000.00} is more than sufficient to prove I am not liable for the charge to my Chase card for {$16000.00}. 

Thank you for looking into this matter. I still have {$35000.00} of debt because what XXXX taught me, made me absolutely no money, but got me further into debt. 

Thank you so much
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One mailed me a check for remaining funds in my 360 Checking account, a total of XXXX. Check was received on XX/XX/XXXX, deposited to my XXXX account the same day. A stop payment was placed by Capital One which has caused XXXX account to become overdrawn the entire amount of the check plus ten overdraft fees in the amount of XXXX each and a returned check fee in the amount of XXXX, a total of XXXX. Prior to all this occurring, I spoke with several supervisors, one by the name of XXXX ... They were able to get a member of the Security in take team on the phone, a XXXX .... She stated she spoke with an investigator and was instructed she could go ahead and close out account, get check sent for remaining funds, a total of XXXX. A check was received on XX/XX/XXXX via mail, however, a stop payment placed on it as stated prior. I am now overdrawn this amount plus XXXX, a total of XXXX. I need a check for this amount ASAP. I've left message for a XXXX XXXX, about seven in total, she had not returned them.
Consumer complaint received 2018-04-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CO)

American Education Services provided me with a health access loan in XX/XX/2007 for my first year of XXXX XXXX XXXX XXXX school ( I was ineligible for federal loans at the time because I had already completed a 4 year XXXX degree and the first year of XXXX   school was considered an XXXX year - This is another complaint I have and feel is unlawful. However, I will file separately for that complaint ). After graduation, I was hit with astronomical amount of monthly student loan debt payments from both my Federal loans and from my private loan from AES ; totaling upwards of $ 2500/month. I was unable to afford these payments and contacted AES multiple times asking for assistance in lowering my payments. I was told that there was nothing I could do about my payments because this was a private loan and not a federal loan. Because of this, I struggled for months to make payments and accrued many late fees. Finally after months of struggling and multiple calls to AES, I was able to lower my monthly payments by enrolling in a longer payoff term of 25 years. Since then, I have been making on time payments to AES until I went on XXXX   leave and was not getting paid. I asked for hardship or something to delay my payments for a few months. AES, again was not helpful and provided me no information or option on how to avoid late fees and credit reporting on monthly payments I was unable to make due to XXXX  leave. Since XXXX leave over 4 years ago now, I have made on time payments. However, the 2 months of missed payments from my XXXX leave still negatively affect my credit score in a significant way. Additionally, this loan was taken out as a joint loan with my mother as a cosigner. I was devastated by the fact that my moms credit would also be negatively affected. I contacted AES in hopes of relieving my mom from any financial responsibility and negative credit effects of this loan. I was told there was nothing I could do and this was after several years of on time payments after my late payments during XXXX leave. Finally, I am now ineligible for interest rate deductions due to late payments at the beginning of my repayment terms ( when I had multiple issues with obtaining help form AES ) even though I have made on time payments for 99 percent of my repayment tern thus far. My interest rate is variable and continues to rise. Over the last 6 years, I have paid {$21000.00} in interest and a mere XXXX on principle. I feel that AES with held information from me on how to attain lower monthly payments and steered me toward paying more than I had to on my loans, causing me to default my loan and making me ineligible for any interest rate deductions.. I also feel AES, withheld pertinent information of how to defer payments during a hardship, affecting my credit in a negative manner. Finally, I feel that AES withheld information on how to release a cosigner from responsibility of my loan, which has now affected my mothers credit in a negative way.