davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

I APPLIED FOR HARDSHIP ASSISTANCE TWICE SINCE XX/XX/XXXX AND I WAS DECLINED AGAIN ON XX/XX/XXXX STATING THAT MY CIRCUMSTANCE HAS NOT CHANGED. MY INCOME THEY STATED THEY USED IN XX/XX/XXXX WAS {$2800.00} AND THE NEW INCOME THEY VERIFIED FOR THE NEW DENIAL IS NOW {$2500.00} SO YOU CAN CLEARLY SEE MY INCOME DROPPED YET AGAIN HENCE ME ASKING FOR HARDSHIP ASSISTANCE. MY RATIOS ARE WELL WITHIN FEDERAL GUIDELINES AS I HAVE READ OVER AND OVER THE GUIDELINES SINCE I ALWAYS HAVE TO FIGHT MY SERVICER. I NEED MY FILE TO BE ESCALATED AS IT IS APPARENT THE SERVICER IS TAKING UPON THEMSELVES TO DECLINE ME VERSUS MY INVESTOR THAT ACTUALLY HOLDS THE NOTE. XXXX IS NOT DECLINING MY FILE ONLY RUSHMORE BECAUSE THEY DO NOT UNDERSTAND THE MEANING OF NO CHANGE IN CIRCUMSTANCE. 

MY CURRENT FRONT END DTI IS 42 %, WHICH IS ABOVE THE REQUIRED 31 % AND MY BACK-END RATIO IS 36.93 % AT ITS HIGHEST SO TO STATE THAT I AM NOT WITHIN GUIDELINES IS BEYOND BELIEF AND NEED SOMEONE WITH THE UNDERSTANDING OF GUIDELINES TO STEP IN AND CORRECT THIS SITUATION. I AM XXXX YEARS OLD AND ITS APPARENT THAT RUSHMORE IS TRYING TO TAKE ADVANTAGE OF ME BECAUSE I AM SENIOR CITIZEN AND I WONT UNDERSTAND. ALL GUIDELINES ARE PRESENT ONLINE FOR EVERYONE TO READ, I WILL NOT BE A VICTIM TO RUSHMORE AND THEIR ABUSE.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I became a teacher thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by XXXX XXXX XXXX that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. XXXX XXXX is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue XXXX ; financial, personal, and professional sacrifices. Please rectify this issue.
Consumer complaint received 2018-03-29
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: EQUIFAX, INC. (FL)

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES. I ATTACHED MY POLICE REPORT THE CREDIT BUREAUS ADVISED ME TO GET. I ALSO ATTACHED THE FRAUDULENT INQUIRIES SHOWING UP ON MY FILES.THE FRAUDULENT XXXX XXXX
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

On the advice of our supplier, XXXX XXXX XXXX XXXX, we opened an account with Chase Bank, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX. Phone XXXX XXXX XXXX. We deposited funds and made several transactions. XXXX XXXX is also a Chase customer and they have several accounts with Chase. 

Then we got a letter from them stating that they were going to close our account on XX/XX/XXXX. No explanation was given. 

We had an invoice due to XXXX XXXX, one of our suppliers, for {$180000.00}. We first made two attempts to wire the funds to XXXX XXXX XXXX XXXX but Chase denied the wire transfers. So we wrote a check to XXXX XXXX XXXX XXXX, for {$180000.00} and overnighted it to them on XX/XX/2018. 

Today we have been informed that Chase returned the check, even though there were funds in the account. They refuse to deposit the funds in the XXXX XXXX  account, even though both accounts are Chase accounts. They refuse to return the money to us by either wire or overnight mail with a certified check. They state that it will take up to 10 business days for them to honor the funds and return them to us, despite us having written the check 8 days ago. 

They suggested that we drive to XXXX to retrieve the funds, which is a 10-hour round trip. Not acceptable.
Consumer complaint received 2018-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

I currently have a {$100000.00} HELOC account with PNC Bank. As of XX/XX/XXXX, my balance owed was {$83000.00}. I made {$55000.00} in payments spread across a few payment dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. PNC, during a computer system update, appears to have lost all of those payments. They do show them as being made, but then they reverse them a few times so I end up owing {$83000.00} as of XX/XX/XXXX and throughout the entire month of XX/XX/XXXX.

So the issues I have with PNC Bank are : 1 ) They posted, but then reversed, {$55000.00} of my payments made over the last month. Therefore, they have " lost '' over $ 55k of my money. This is a concern.

2 ) The XX/XX/XXXX statement that they sent me indicates that in addition to the above incorrectly-lost principle that they say I still owe, I also owe the following : {$470.00} past due from my XX/XX/XXXXstatement ( a payment I obviously already made ) which included both interest and principal amounts, a {$50.00} late fee for not paying last month, {$500.00} for my XX/XX/XXXX statement. The XX/XX/XXXXstatement of {$500.00} includes 30 days of interest on {$83000.00} ( plus 3 additional days of interest at a slightly higher amount ) which is {$240.00}. This is significant over-billing for XX/XX/XXXX's interest, approximately 3 times higher than it should be, because they never lowered the principal balance remaining on my account after my {$55000.00} in payments.

3 ) I contacted PNC approximately 4-5 times over the past month to try to fix these issues. I was told the issue was known and it would be fixed quickly. Once I received my statement on Monday, XX/XX/XXXX, I called to have my account reviewed. My account was not reviewed. I was told that the statement can not be fixed or updated until maybe next month and I owed what it said I owed, even though the PNC representative agreed that my principal should have been lower during the statement.

4 ) None of the PNC representatives, including the Escalation Team representative XXXX XXXX, was able to tell me how much I should actually pay by the XX/XX/XXXX due date other than asking me to overpay based on the incorrect statement. None were able to properly calculate a true amount owed. They asked me questions such as, " What is the interest start date on the statement you have? ". Well, why would you need to ask me that, isn't it in your records? And, your monthly statement does not actually list that date, don't you know that? ( I will attach the statement in question to this complaint. )
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back on XX/XX/XXXX and XX/XX/XXXX, I received an answer of Deletion from all three credit bureaus for a XXXX XXXX XXXXXXXX Credit card that was fraudulently opened by my ex-wife that I had disputed earlier this year through the CFPB. 5 months later, XXXX XXXX XXXXXXXX has reached out XXXX and Trans Union requesting to have the item re-instated on my credit report after they have all been deleted. I even sent copies of a police report showing where my ex-wife fraudulently opened accounts in my name and used and messed up my credit after the divorce. This item needs to be deleted asap in all three reports again.
Consumer complaint received 2018-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted XXXX to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I ran 2 of my free annual credit reports. One with TransUnion ( TU ), and one with XXXX There were 2 derogatory accounts that came up on my credit reports. I sent electronic disputes to both credit bureau companies, stating these are not my accounts. And that I have a son with the same name. TransUnion 's investigation has come back XX/XX/XXXX, stating one account has been deleted, and the other account, XXXX XXXX came back " verified as accurate ''. This is not my account. It is my son 's account, who has the same name. I have a consumer statement on all 3 credit bureau companies that has been on there for years, since my son became an adult, stating I have a son with the same name and to always verify us by SS #, and Date of Birth ( DOB ), before extending any new credit, or putting any derogatory information on my credit report. Even though this consumer statement has been on my credit reports for years, these same problems continue to happen where I have to dispute accounts that belong to my son, that ends up on my credit report over and over. Usually, the derogatory accounts are removed by the credit bureau companies, once I file a dispute, however TRANSUNION has stated, after their investigation that this one account with XXXX XXXX is " verified as accurate '', and remains on my credit report. This is an error, it is wrong, and not accurate. If TransUnion had requested XXXX XXXX to provide proof of SS # & DOB, as well as a Promissory Note with a signature, they will find that this is not my account. My son did live at my address, off and on until XX/XX/XXXX. Therefore, the facts are we have the same name and have also had the same address only. I have done all I can do, to my knowledge to keep this from continuing to happen, wrong information being put on my credit report. It is very stressful and frustrating, and time consuming. 
I am filing a complaint against BOTH, TransUnion and the collection agency, XXXX XXXX, because, even with the alert on my credit reports, this continues to happen where my son 's derogatory credit is put on my credit report, having a negative impact on my credit and credit scores, and taking up a lot of my time trying to get it removed. Please request that TransUnion thoroughly do an investigation again, and this time, request XXXX XXXX to provide proof to show who the account belongs to such as a Promissory Note with a signature, Date of Birth ( DOB ), AND the Social Security Number. Then, they will find that the true fact, that this account is not my account, and therefore, remove it from my credit report as soon as possible. Thank you.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

In XX/XX/XXXX AES reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called AES to inquiry and dispute. The AES representative confirmed that she did not see my XX/XX/XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. AES responded by advising there was an error back in XX/XX/XXXX that they would adjust, but nothing for the XX/XX/XXXX reporting. I've worked hard over the past year to keep my  account current and that negative mark reported in XX/XX/XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (SD)

Direct Recovery left a message on my cell phone stating I had ignored their attempts to collect on a debt. Their phone number is XXXX and occurred on XX/XX/2018 at approximately XXXXXXXX XXXX. I keep my bills paid and suspect the caller to be a scam.
Consumer complaint received 2018-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (MD)

On XX/XX/XXXX I did a in store finance with XXXX XXXX of XXXX financed through acima. I went to pick furniture up XX/XX/XXXX from store where I purchased my own personal XXXX   ( {$120.00} ) and got home and realized 3 main pieces of the bed where missing. I reached out to the store and they told me it would b at least 2 weeks to locate the peices. I then asked for a product reduction in cost or for them to deliver the missing peices and was denied. I then spoke with the financial company acima and after they could not get in contact with the furniture store and they had no resolution the supervisor told me I would not b charged for the furniture that I never 100 % received .i waited a additional 2 1/2 weeks spoke briefly in XXXX and still no resolution was found. I told them I didnt want to go Thur with the purchase and the supervisor ensured me that the furniture store would b held accountable for the furniture. XX/XX/XXXX I discarded the furniture not hearing anything else from either establishment and Now XX/XX/XXXX acima is trying to charge me for the Little peices I did throw out after I was instructed that I would not be charged. I spoke with XXXX from customer relations and I even asked her what would she do in this matter and she told me she as well would have done the same thing. It was 3 months until the peices arrived at the furniture store and the old peices had literally been sitting n my home well over 2 months which is rediculious. I even went the the XXXX to fix this situation and they would not respond as well after attempting.
Consumer complaint received 2018-03-28
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. (TX)

On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budget/bill sheet as paid. On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. During that call full payment was made to XXXX and all late fees were refunded by XXXX. I disputed with XXXX XXXX/XXXX XXXX on XX/XX/XXXX and then again around XX/XX/XXXX. I also disputed 2 times with XXXX and XXXX. This is clearly a system error of some sort which is obviously not an item that can be " proven ''. The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXX/XXXX XXXX and then proceed to file with the CFPB, OCC, XXXX XXXX XXXX XXXX and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. I am in awe of how an error of this sort can have such an impact on a consumer with zero path for the consumer to be protected or heard and treated as a human being instead of a number or piece of paper.
Consumer complaint received 2018-03-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC (FL)

After hurricane Irma I was given forbearance on my home loan for 90 days with XXXX XXXX XXXX XXXX   At the end of the 90 days I was contacted by XXXX XXXX that I was expected to pay in full the past 90 days or the house would be foreclosed on. They have also sent to the credit bureau that I was in default and it is affecting my credit score. 
I have been paying my mortgage payment every month and I'm still being threatened with foreclosure. I was told by XXXX XXXX when I signed up for forbearance that the missed payments would be applied on the back end of the home loan and I would keep my same monthly payments.
Consumer complaint received 2018-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

I was attempting to check mortgage rates on the Quicken website. When I needed to pretty much submit an application to get a rate, I exited the website. I have received three robocalls within 24 hours since then from Quicken and another loan company. The first call from Quicken was about XXXX seconds after closing the internet browser. I told the Quicken employee to remove me from their contact lists and I wasn't interested in applying for a mortgage loan. I am concerned that my phone number is being sold to illegal robocallers.
Consumer complaint received 2018-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (OR)

In XX/XX/XXXX, I purchased a new vehicle and financed a small portion of the amount. I received an introductory letter from the company which indicated I could set up auto payments, which I immediately did through the loan company 's website.

In early XX/XX/XXXXI received a statement from them indicating I missed my payment and there was a late fee charged. On XX/XX/XXXX I called up the company to straighten this out. Their representative looked up my account and said I was not in their system for auto pay. I then made my payment on the phone, including the late fee, which I asked to have removed and they refused to do. I then had this person assist me in setting up the auto pay. Once it was all set up, this individual put me on hold and checked the system to make sure I was set up in the auto pay program. They came back on the phone and informed me everything was set up. On XX/XX/XXXX, I called again and asked the person who answered to make sure I was set up in auto pay. They put me on hold to check. When they came back on, they informed me I was not set up with their autopay system. This sounds like a scam to make more money by charging late fees.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Experian credit report and XXXX is displaying inaccurate credit score. My credit score should display 700, also my report is showing negative delinquent account after disputing with Experian over 15 times
Consumer complaint received 2018-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

in XXXX in collaboration with the Social Security Administration and XXXX XXXX, SSA issued me a new social security number based on very bad case of identity theft. the SSA requested a lot of documents to proof the ID theft, XXXX XXXX worked together with me to ensure all information was accurate and to the point. In XX/XX/XXXX, I was issued a new social security number, I was advice to stop using the old number ending in XXXX and to start using my new number ending in XXXX. In XXXX or XXXX without any reason and any contact with me, Transunion locked my report, where no one can access my report, indulging me. After realizing my Transunion Report was not showing, I called transunion and I was transferred to the Fraud Special Handling Department, that department has been nothing but horrible, nasty and XXXX. They have asked me literally for every single document that makes me a person. I send them a copy of my WA State ID, my SS Card, my passport, They requested different forms from SSA and I had to go to SSA Office many times to get documents. Transunion have received all this documents and they don't communicate with me, I have to be the one calling just to find out they denied my request to release my report. Transunion has continue to keep my information locked up. Recently I moved to a different apartment and because of this issue I had to pay over {$5000.00} of moving cost because my transunion report was not showing and I'm being seen as liability by creditors. Yesterday XX/XX/XXXX I spoke with Fraud Special Handling department manager XXXX XXXX, in the moment I told her that I was immigrant as I was explaining to her why I was issue a new social security number. XXXX XXXX started to be XXXX and started to speak over me with out giving me the opportunity to finish explaining to her. XXXX XXXX as a manager she has discriminated against me and is literally holding my information hostage, to the point that I'm in financial hardship because I'm not able to get the credit I deserve. I NEED MY REPORT TO BE RELEASE IMMEDIATELY