davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

On XXXX XXXX, 2017, I disputed the account listed on my credit report as ONE MAIN. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought Springleaf Financial. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and  closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My XXXX and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.
Consumer complaint received 2017-07-29
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (CA)

On XX/XX/2017 my home had a water damage loss. Reverse Mortgage Solutions received the first insurance company payment in XX/XX/XXXX and a second in XX/XX/XXXX. They did not send payment for repairs until mid XX/XX/XXXX. They sent 30 % and told me the balance would be sent after repairs are completed. How can they expect 100 % completion with 30 %? Also the water damage invoice from XXXX has n't been paid. They completed their work in XX/XX/XXXX and now are threatening a lien on the house. RMS has asked for and received multiple copies of documents requested but keep saying that they do n't have them and then saying they need more documents and signatures they did n't ask for initially. Their delays have resulted in additional damages ( mold ) and additional living expenses. I have spoken with multiple people multiple times and never get the same answer twice.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed and all files under my public records does not include the information and should be deleted from my credit report
Consumer complaint received 2017-07-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credence Funding Corporation (CA)

In XXXX of 2017, My wife and I closed our loan for our new house in XXXX, CA. It is a VA loan issued through XXXX XXXX XXXX. This complaint is NOT against XXXX. Since closing, we have received several offers in the mail to change our loan from different companies. One we received was from Credence Funding, NMLS # XXXX. On the one page letter, it states the " Payments based on 30 year fixed rate of 2.25 % and the original loan amount of {$250000.00} '', and " Payments are fixed for 30 years. '' I contacted the company today to discuss getting this loan. I talked to XXXX at XXXX. During the discussion, XXXX indicated the current rate was 3.25 % and my P & I would go down approximately {$80.00} per month, ( not the {$240.00} quoted on the notice ). When I questioned him on the published rate on the notice the company had sent me, XXXX said that was for the XXXX  ARM loan, not the 30 year fixed. I explained to him that the notice I have in hand from his company specified it is for a 30 year fixed loan, and did not mention a XXXX ARM at all on the notice, XXXX said it was probably just the marketing group that put out the notice and it is only for XXXX ARMS. I thanks him for his time, and informed XXXX that I was not interested in an ARM, and ended the call.
Consumer complaint received 2017-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (MN)

I would like a proper, truthful response to my statements, not false claims. Since US Bank has not properly responded, and continues to not respond, I am restating my issue. Please see attached documents and refer to statements therein.
A key point is : The 'VBO ' or 'Virtual Banking Operations ' signature card request that US Bank claimed they asked for and needed was neither asked for nor apparently was needed. My account, which they stated beforehand was open and functioning, only needed my verbal request to actually become active to remove on XXXX/XXXX/2016 ( see my letter ). This is in direct contradiction to their statement that I still needed a signature card on XXXX/XXXX/2016 ( see US Bank 's response letter ).
Consumer complaint received 2017-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

A collection account is showing on my credit report from IC SYSTEMS. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with IC SYSTEMS. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc. (AR)

Purchased a car from carmart and would not fix car when asked so missed one payment and acct rep sd they were taking us to court and going to garnish our checks. Was rude and saying rude things.
Consumer complaint received 2017-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (OH)

On XXXX XXXX my account was overdrawn {$31.00} at end of daily transactions. I was charged two {$34.00} insufficient funds fee. I had enough in my account cover all but one item. I should have been charged only one fee. The withdraws were sequences so they could charge me two fees. I was charge {$34.00} for a {$20.00} item and {$34.00} for a {$25.00} item. Page 2 reflects several withdraws with amount greater than {$31.00}. They paid highest amt to lowest amt which results in Chase being able to collect more fee.
I spoke to XXXX XXXX ( supervisor ). She said she could only refund me back {$14.00} of the {$68.00} they charged me because I had been refunded fees in the past.
My complaint is had they not sequenced the way they did I would have only had one {$34.00} fee not two.
Consumer complaint received 2017-07-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Urgent Matters!! Prestige wants to reposses my XXXX XXXX XXXX XXXX  in which I have been making timely payments from XX/XX/XXXX till present. Prestige Administration are now in Retaliation because of my filed complaints with Consumer Financial Protection and Federal Trade Commission and Department of Justice ADA Disability Act Civil Rights.
I just like to have a affordable payments under $ XXXX- {$480.00} with a lower interest rate under 17 %.
I am willing to start making my timely affordable monthly payments starting XX/XX/XXXX.
Prestige wants to also wants to report me to a collection company and destroy my credit ratings with XXXX, XXXX and XXXX.
I am XXXX Lifetime and Retired.Why Prestige administration are mistreating our Military Veterans and Citizens on Disability Lifetime?
I have requested a Federal Investigations against Prestige Administration immediately.
I will send copy of evidence of Prestige on Escalating their Retaliation against me.
Repossession of my vehicle and reporting collections and negatives to credit reporting agencies.Is this how Prestige Financial Services mistreat and Retaliated against Hispanic XXXX Military Veterans?
With Respect the Federal Government should consider my request of Federal Investigations.Prestige does n't want to accommondate on my Disability Lifetime under ADA Disability Act.under the Department of Justice.
I am requesting also with respect that Department of Justice ADA Disability Act Civil Rights Division intervene on my complaints also.
Urgent Matters.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX/XXXX/2017, I signed a dispute letters and mailed them to all XXXX credit bureaus.
In the letters, I asked for my name to be correctly reported. I enclosed both my ID and Social security card. I also disputed my personal information online. I received results from Transunion on XXXX/XXXX/17 stating my name was updated. However it was still Incorrect.
My Name is : XXXX XXXX XXXX They have me listed as XXXX XXXX. That is not my name.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP (OH)

We had an electronic check pay on our payroll account. It was not for anyone on our payroll and the " copy '' was not produced by our company.The same person, XXXX XXXX was able to have 3 electronic checks clear on our payroll account. We contacted the police and filed a report. We filled out Domestic Collections Fraud Packets with XXXX XXXX bank ( our bank ). Two of the fraudulent checks were paid back to us in XX/XX/XXXX. One check was for XXXX and the other XXXX. We still have a third check which we have not been reimbursed for. It's for XXXX. I contacted XXXX XXXX and was told that the check was drawn on Key Bank. I was also told that they had 120 days to respond. It has been longer than 120 days and no response. The check I am waiting to be reimbursed for is for {$970.00}, it has a check # XXXX associated with it. It was dated XX/XX/XXXX and posted on XX/XX/XXXX. We filled out our fraud report on XX/XX/XXXX. Our police report # is XXXX with the XXXX Police forgery/Theft/NS department.
Consumer complaint received 2017-07-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NM)

This is a general policy issue. Consumer debt is at an all time high. If you pay a credit card off and closed the account your credit score goes down. This policy needs review we should be encouraging and rewarding people for paying their cards off. What do you think?
Consumer complaint received 2017-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These two accounts listed below are not mines and should have been deleted months ago. I have filed complaints with both companies as well as with the attorney general of Florida and Washington. I was also not notified in writing of debt prior to posting to credit report. XXXX XXXX XXXX In Opened XX/XX/XXXX {$53.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$5900.00} Original creditor : XXXX XXXX XXXX  This account is more than 7 years old and should have been deleted. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off
Consumer complaint received 2018-01-30
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. (TN)

I have been disputing XXXX XXXX XXXX my credit report and it keeps coming back as verified. I have not received anything in the mail asking me to verify anything. The account is not mine. I'm only XXXX and it looks like it could've been opened when I was XXXX according to the open date. Either way the account does not belong to me. I've never had a credit card in my life. How can they just give credit to someone without verifying that it is the correct person. I need this deleted immediately, it is affecting my credit in a tremendous way. It needs to be deleted from all XXXX credit bureau. Thank you.
Consumer complaint received 2017-07-29
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: Experian Information Solutions Inc. (GA)

While reviewing my EXPERIAN credit report, I noticed a collection account listed as XXXX XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.
Consumer complaint received 2018-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX-XXXX-18 Credit inquiry from an unknown and unauthorized credit with no number from where to reach them. 
Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Their number is conveniently incorrect and not working! 

XXXX XXXX
Consumer complaint received 2017-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC (GA)

On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, AMERICAN CREDIT ACCEPTANCE from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

On XX/XX/ I submitted my recertification for my IDR. I never received an email or any notification that it was accepted or denied. Around late XX/XX/XXXXI received an email from XXXX XXXX that I have a payment due for XXXX. I called to find out that they never received recert. I verified email that it was sent to and it was correct. The customer rep then assisted to walk me through to upload my info through my account resubmitting again. Due date was close so I was forced to put my payment in forbearance. After being assured they received it this time I waited. XXXX I received another letter stating I was denied not eligible for XXXX, keep in my mind my family has not changed and my income did not change so why? I was told that my family size had changed and that I did not submit my husbands income.??? My ex- husband?! Who does not live with me. He was not even on my last IDR or the one before that! I was told they would resubmit to correct the error and was transferred to Forgiveness program unit to find out if due to error could I receive it as credit to my forgiveness. I was told I had to leave my acount in a 30 day default during investigation. No one contacted me so I called back to be told that my ticket is still open after 15 days. I was also told by the third rep that submitting through email is no longer excepted as of XX/XX/ which was way before I submitted, so why did that rep tell me to process it that way and the second did not say thatnas well. He also told me that I need to resubmit a new IDR because the last one I submitted has expired. Of all the years I have never experienced such delays. I just want my life to resume. To be left alone. I am doing my part and making my payments or what is owed to me as credit for finding a job and working hard. It not fair this company is dragging me through this.
Consumer complaint received 2017-07-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation (AK)

In XXXX 2017 I began a payment plan with XXXX XXXX XXXX. I notified Avant beforehand that I was going to be working with XXXX and all they said was that XXXX would need to send them a proposal. XXXX did send them a proposal and 6 months worth of payments. In XXXX of 2017 I got a notification that my credit score had dropped. I found out Avant had reported me being {$55.00} past due. I get no statements from this lender and had received no notification my account was ever past due. I downloaded their phone app and logged in and discovered they had been posting fees to my loan and only posting the payments to fees and interest for 6 months. When I called them I was told they stopped communications with me because I had a debit management plan. I reminded them it was not the same thing as bankruptcy and they had every right to be in contact with me and should have notified me of the past due amount and that they were posting fees to my account. I paid the loan off in full over the phone over the following weeks time. They caused my credit score to lower, they charged me excessive fees, and never once tried to notify me of the issue. Not by email, postal mail, phone, nothing. Customers have an expectation that if there is something wrong with their account they will be told about it. I should n't have had to find out via a credit report app on my phone.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Financial Care credit card has charged me late fee for 12 months. Synchrony financial Care credit charged {$38.00} every month for 12 consecutive months. Since I make weekly payments ( not monthly ), the last payment was outside of the due date ( XX/XX/XXXX ). The company put the last payment ( considered late payment ) cleared on the XXXX to XX/XX/XXXXof each month onto the said month instead of applying the last payment to the next month. The company then charged late fee {$38.00} EVERY MONTH from XX/XX/XXXX to XX/XX/XXXX by repeating the same tactic. No call or correspondence to warn me of late fees. 

But the abuse was that each month they charged late fee then kept the last payment which is usually after the XXXX of each month instead of applying to the next month. 

The total late fees charged was approximately {$420.00} for the last 12 months.
Consumer complaint received 2018-01-30
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. (FL)

Ive sent numerous letters to XXXX, XXXX and transunion  in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I re-financed my loan last year. I was told my my loan rep, XXXX ( XXXX ) XXXX ( NMLS # XXXX ) at JP Morgan Chase that if I took any cash out for the re-fi I would be subject to a higher interest rate. So we did n't. He also told me the closing costs could be rolled into our loan so there would be no out of pocket for re-financing.
We agreed.
We are trying to get a HELOC ( Home Equity Line of Credit ) now, a year later, because our AC Units went out ... and maybe we want to upgrade our home using the equity.
Today, XXXX/XXXX/17, I am being told by Chase that the State of Texas does NOT allow Line Of Credits if you took cash from your equity when re-financing your home. I thought to myself, NO PROBLEM ... I never took cash out, so we 're good!
Low and behold ... The State of Texas considers your closing costs ( added to the loan ) as taking " cash out of your home equity ''!!!??? Chase NEVER told me this.
I called XXXX XXXX and asked him about this. His response simply was " I did n't know about that at the time, and they never taught us that until recently! '' So now ... he knows, but before.. he did n't.
Do n't get me wrong, ... XXXX was fine/great through the entire loan process, being a loan refi expert and all. But because HE was n't aware of this rule, I was n't made aware of this rule.
And now ... my wife and I are going to be forced to refinance our home at a higher interest rate, lose thousands of dollars with a higher interest rate and closing costs ... or go without AC for the rest of the summer. -Thanks for not being aware of letting us know XXXX !
My question is ... if XXXX XXXX does n't know this simple rule, by the State of Texas ... how can he be allowed to re-finance homes? How can you not let us know if this HUGE reprecusion!?? How?
If I knew about this rule, .. I would have GLADLY paid the closing costs out of pocket. JP Morgan Chase never made me aware of this state rule!
I am very upset, and worried my kids will not be cool enough in this Texas heat ... all because XXXX XXXX " did n't know '' at the time. ( But now he does. ) Unreal ...