davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
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. (LA)

I 'm not sure what 's going on. I 've been submitting disputes to the credit bureaus for the past eight months. They do not respond to me and are obviously not initiating my disputes. I 'm not sure what 's going on. I KNOW these accounts that are reporting are inaccurate. I 'm just trying to express my rights as a protected consumer and ask the credit bureaus to investigate. Why are you not investigating my disputes? Can you legally just ignore my request like that? I 've also tried disputing with the collection agencies asking them to send me a medical release form because i 'm more than 100 % sure i 've never given them permission or access to my personal medical information. I 've spoken to a consumer right 's attorney and he 's telling me that i have a case, do i? I 'm asking the credit bureaus to please investigate these inaccuracies. This is causing me major stress. These collection agencies do not have my permission to have my medical information, PLEASE remove!!! 



XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$850.00} Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Rec Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Rec Opened XXXX XXXX, XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Rec Opened XX/XX/XXXX + {$310.00} Original creditor : XXXX XXXX XXXX XXXX Tele Rec Opened XX/XX/XXXX + {$290.00} Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I received a letter from XXXX XXXX saying that I owe XXXX dollars. When I go to the school they say they do n't know where the balance comes from I owe XXXX. I should n't owe anything at all. There was a natural disaster that caused me to have to drop classes for the last two fall sessions. Last year they charged me back for my classes but I still had to repay the loan so I was charged 2x for the classes. This year they reversed my loans all together then doubled the amount but I am still repaying the loan to the state. I need help to get this resolved. I should n't be being charged anything back because of the natural disaster
Consumer complaint received 2018-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

My mortgage servicer, SLS ( Specialized Loan Servicing ), continually fails to mail adjustment notices for my ARM mortgage. Since they took over the servicing of my loan, I have not received a single adjustment notice without first calling and demanding that they send it.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX I logged into my online account for my credit card with USAA. 

I clicked on a promotional offer for 0 % interest on a balance transfer. The offer was ending on that day, XX/XX/XXXX. 

I followed the steps and completed the balance transfer. 

The balance transfer went through but I did not receive the promotional rate. When I called USAA, I was told that the money did not post to the USAA account until a few days later thus missing the deadline. 

USAA does have the disclaimer that the deadline for money posting is XX/XX/XXXX but as an electronic offer, I feel that it was misleading to even still have the offer live on my account on XX/XX/XXXX if it was already going to automatically miss the deadline. If anything, when I clicked on it they could have easily given me a message to inform me that the transfer could take more than one day and would thus miss the offer. I received no notification of this and feel that I was duped into taking an offer that was really already null and void. USAA should have disabled the link earlier to reflect the true deadline for this offer. They could have also informed me in some other fashion that although my balance transfer was conducted through that link, it actually did not qualify for the promotional rate.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage
Consumer complaint received 2018-01-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO AND XXXX XXXX LIE STEEL AND CHEET OVER 50.000 DOLLERS PAID TO THEM THEN THAY SUE XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX FOR NO RESEN AT ALL WE HAVE PROOF WE HAVE PAID THEM THAY REFUSE THE MONEY SENT MONEY BACK TO MY BANK THEN SUE US FOR NO RESEN AT ALL WE HAVE SPEEND OVER 20.000 IN ATURNS FEES THAY TRY TO PUT ME IN JAIL THAY LIE TO JUGES HEAR IN XXXX XXXX CA
Consumer complaint received 2018-01-13
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)

I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked Transunion to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.
Consumer complaint received 2018-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

UTTERLY disgusted with how Bank of America chooses to do business! There was a fraudulent charge on my account SATURDAY XX/XX/XXXX. Today is now MONDAY XX/XX/XXXX and the money was barely returned SUNDAY XX/XX/XXXX. MY MONEY has been withheld from me for 8 DAYS! This is completely unacceptable and disappointing. I 've called 10 times and everyone has been giving me the run around. I 'm going to make sure I tell all my friends and family about my awful experience with this company!
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

I was contacted by Equifax about a person inquiring about my credit. We are attempting to get a mortgage. I have only given two sources permission to check my credit money source and e mortgage. I attempted to file a dispute with XXXX XXXX, and this is my second time trying to file a separate dispute, and each time they ask questions that even though I have the answer, does not put me through on the system. So the only way that they are receiving any information is by mail which takes weeks. You 're making no attempt it all to resolve issueS thru email.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC (PA)

I called the continental finance company and told them that a hard inquiry was on my credit report and my apartment number was wrong and the wrong date of birth and they said they would remove it from my credit report a month ago and hasn, t done so I have called them every day and it is still on all three major credit reporting agencys.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage
Consumer complaint received 2018-01-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

1. Although I have along with my complaint, asked of XXXX to remove and stop billing me for the property taxes, it refused to. Instead, it instructs me to send a letter requesting the removal of the escrow account. I do not need them to remove the escrow account, because other fees may apply to it. My request is for Ocwen to stop billing me for my property taxes and to refund the amount it has billed and received. I will pay my taxes on my own. Ocwen overbills my account and always has more that was is owed to the tax collector in my account. Ocwen should not be earning interest on my money. 

2. I was told by XXXX XXXX XXXX that I had a Ballon payment. Therefore, I began to pay extra money toward the Balloon amount. I asked Ocwen to tell me if the Balloon amount is the same as Deferred amount but it never responded to that question. If the Deferred amount is not the Balloon payment, I want all extra payments made toward the principal, to be credited to the Balloon Payment that is due at the end of the loan period. 

3. Ocwen claims that on XXXX XXXX, 2017, it refunded {$680.00} but never provide me with a canceled check nor did it include interest earned for the said refund.
Consumer complaint received 2018-01-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Collection Bureau, Inc. (MO)

I filed a compliant against this company X/X/2016 regarding there illegal collection tactics never received a response. Rep where XXXX XXXX & XXXX I also spoke with the owner of the company advised him his reps where pretending to be law enforcement. Multiple fdcpa violations. I requested {$5000.00} for the vilolations & removal from my credit report with the original creditor XXXX XXXX XXXX. I am wanting a respone or will have to seek legal action. I also need this removed from my credit.
Consumer complaint received 2018-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I pay additional to the principal every month and every month my Ditech/ Green Tree mortgage company places my principal payment in either in applied funds or insurance or escrow. The most current unresolved problem is my XXXX 2017 payment. I paid the entire payment plus {$250.00} to principal. On XXXX-2017 it stated we owed {$250.00}. for the XX/XX/XXXX payment -they said they were aware of the problem when I called and were in the process of fixing it. The fix was now it says we owe {$1000.00}. I have called and emailed to no avail-not once in the over 3 years have they processed this mortgage correctly. Please help!
Consumer complaint received 2018-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I had a portion of my student loans serviced by Navient and was originally on Income Based Repayment due to the very large student loans I have from XXXX  XXXX. I was notified by Navient in XXXX that my loan with them was not eligible for IBR anymore and they refused to take into consideration by total loan amount from school. Due to the refusal to keep my loan in IBR, I had to consolidate my loans with another loan servicing agency and lost approximately 3 years of IBR status and had to start all over from XXXX which can total over {$30000.00} in payments and additional compound interest as the resulting principle with grow for those additional 3 years before they are forgiven under the IBR terms.
Consumer complaint received 2018-01-13
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 do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX XXXX XXXX XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX Status makes no sense, delete this immediately : Experian and XXXX : closed/XXXX : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that Experian and XXXX report a monthly payment of {$0.00} while XXXX reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : Experian $ XXXX $ XXXX {$68000.00} XXXX due : Experian and XXXX $ XXXX {$0.00}
Consumer complaint received 2018-01-13
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. (NV)

I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX V TransUnion XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX and TransUnion {$0.00} Past due : XXXX and XXXX $ 0/TransUnion {$65000.00} XXXX shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while XXXX clearly shows that I paid on time. Delete this account at once!
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY (ME)

XXXX/XXXX/XXXX td bank said they were blocking XXXX I spoke to a supervisor and this is what he told me, this seems unfair as I think all financial institutes should offer fair services, also I had used this bank before to deposit crypto funds with no problems.
Consumer complaint received 2018-01-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

On XX/XX/XXXX I sent an letter to A, D, Astra Recovery Service to validate an debt. 

I requested the following : Date the debt was transferred from original creditor to the 3rd party. 
*The current balance they bought the contract for. 
*Copy of the contact I signed with the 3rd party not the creditor. 
*Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) *Texas Surety Bond information as required by Sec 392.101 As of date XX/XX/XXXX, I was not provide with the above mention. I was provide with the details from the creditor Speedy Cash but I was not provided with any information in reference of A.D. Astra Reovery Services.
Consumer complaint received 2018-01-12
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. (OH)

Since I have submitted numerous disputes, since this is a paid collection that keep being refused to be removed from my credit report, as I have made the PAYMENT IN FULL for my XXXX XXXX account ending in XXXX. Transunion still has the payment status reporting as " in collectiosns/charge off. THIS ACCOUUNT IS CURRENTLY NOT IN COLLECECTION, THIS ACCOUNT HAS BEEN PAID, SO THERE FOR THE PAYMENT STATUS SHOULD REFLECT ACCORDINGLY. I WOULD LIKE TO SEE THE PAYMENT STATUS AS EITHER PAID CHARGE OFF, PAID AS AGREED. 

PLEASE AND THANK YOU
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with Transunion and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

After disputing a collection account on my credit report that shows as " XXXX & XXXX '' for collection agency XXXX XXXX XXXX ( XXXX ), I was advised by the credit bureau that they were able to verify the account as valid and would not remove the account from my credit report. I was advised that I would need to contact the collection agency and request the account be removed from my credit report. On Tuesday XX/XX/XXXX I faxed in a copy of the letter I received from XXXX XXXX XXXX ( XXXX ) which stated they have requested the account be removed from my credit report due to the account being paid in full as of XX/XX/XXXX. Today, XX/XX/XXXX I  called this credit bureau to 1. verify the document I faxed in was received and 2. request the account be removed from my credit report. I spoke with 2 representatives by the name of XXXX and XXXX who both advised me that this credit bureau did in fact receive the document but advised me the account would have to be removed by a supervisor. After waiting on hold for 1 hour and 15 mins, I was transferred to a supervisor by the name of XXXX who first tells me that they never received any documentation. After I explained to him that I have already verified with 2 representatives that they documents, he all of a sudden says he can see the document and place me on hold for another 10 mins to review. After XXXX comes back to the line, he tells me 1. the document is not a letter but a receipt 2. the document is not on the company letterhead and does n't have the company logo, and he refused to remove the account. I am requesting that the document be reviewed again and this account immediately be removed from my credit report.