davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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: U.S. BANCORP (MI)

I have tried numerous times to contact this company by the name of Elan Financial. They claim to have a credit file on me, however I have absolutely no knowledge of this company. Also, I have never given this company permission to use any of my personal information. Any personal information that this company have has been obtained illegally. This companies address is XXXX XXXX XXXX XXXX XXXX, MO XXXX. I don't even live here or have ever traveled to this state. 

I have contacted this company numerous times to validate the account that they have on file with me and they refused to talk to me. I contacted this company on XXXX. I want this removed off of my credit imediately.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-10
Product: Credit reporting 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. (FL)

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit report. This information does not belong to me. I need this fraudulent unauthorized items removed immediately.
Consumer complaint received 2015-10-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (MO)

As there was no option to supplement a previous complaint, this is a follow-up to the previous complaint that I submitted about American Education Services, a student loan servicer in Pennsylvania. I again spoke with XXXX of their customer service representatives today and was again advised that they can not tell me or do not know who owns my loan. It is utterly irresponsible to allow servicers to call to collect on a loan without any information on who owns it. I have been told by this company that they have no options available to me regarding repayment, that I would need to speak with the loan owner, however they continually fail to provide that information. Private loan originators should be held to the same ( or more stringent ) standards as the XXXX. At a minimum, I should be able to find out who owns my loans, as this type of product is perpetually being sold and resold. This is a serious consumer protection issue when you are told that you must speak to the loan owner, yet restricted from obtaining the identity of such entity.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

I took out a Plus loan for my son and have been making payments regularly. The loan servicer is Fed Loan Servicing with the US Department of Education. The loan is a fixed rate loan with a 25 year payment. I believe that we are in year five of the repayment. My issue is that the amount that is applied to interest and the amount applied to principal is not consistent. There are fluctuations that to me seem that the amounts to each are applied arbitrarily. Here is the payment history for the past six months. I have repeatedly asked the servicer for an explanation but to date have not received a satisfactory explanation : Payment Date Principal Interest XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Perhaps your assistance in this matter could help shed some light on this. I would appreciate any help you can provide and await your response. 

XXXX email XXXX Please let me know if you require further information. 
Thank you
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

We went to a local non-attached ATM at a local bank to put money in that we were saving for a week. We put a stack of {$20.00} bills into the ATM. The ATM ate some of the money and sent out a piece of paper telling us to call a number. We deposited the money that the ATM spit out and got a receipt for that money. The money is question is {$380.00}! We called the XXXX number. They put a temporary credit on the account for {$380.00}. That money was removed by the bank a month later. We went to the bank manager to see what could be done. We were supposed to be getting a call back about this matter. We waited a week because we received no call back. The bank manager said that he could not help us because there was no overage from the third party that runs the ATM nor from the bank. We went to the branch on XXXX XXXX where they know us by sight. The agent there made a complaint about the bank manager in the branch that we went to. She also found that although we had changed the address on the bank web site the change of address had not gone through and we were told to never change the address on line because it dos not work correctly. We were at a gas station low on gas when he bank card did no work due to the credit reversal. That is how we found out that the bank took their credit of our money back. The bank sent us paperwork to a P.O. Box that we had closed awhile back. We had to take a loan out to cover our bank account at that point. We received a rebuttal form in the mail and we called the bank about this matter again today. We were told that this could take 45 days if this gets approved. Where is our money?
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I locked at a copy of my credit report and noticed several inaccurancies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these item for me to ensurre accuracy. 
here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX
Consumer complaint received 2016-05-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: National Home Buyer’s Alliance (GA)

I signed up for this home buying program called NHBA= National Home buyers alliance. They present their program as if, they can get you approved to buy a home becasue they own their own bank. I was never told that I would have to go thur a more natural process in purchasing the home. One thing was XXXX said I would have to make sure that I pay all my bills on time without being late. I aim for that, each month. But my question was what if something happens and I have an emergency with my family and I am 30 days late. XXXX said " you would have to have 12 months of no late payments. I asked for my money back that I had paid into the program. She said there were no refunds and becasue I sign some forms stating I fully understood than, I could NOT have my money back. My issue is I did not read that I had to have 12 months of full on time payments before I could perceed. At this time, I asked them to freeze my account. It seems like a lot of money to pay just to get qualified for home purchase. Once I do what is asked of the program. NHBA has another hoop and more money asking from me. I see this as a predator leading from NHBA, it seems like they prey on citizens that are middle class and want better. If I would have know the fine details of this program, I would have never signed up for it. I wish to have my full refund of $ {$880.00} returned to me. And what kind of company can not furnish a receipt. I want receipts has well for what I have paid in to this program. If you do n't have a receipt than it 's not business. At this time, I demand a receipt and a refund. 
Thank you XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my XXXX and Transunion credit reports, and I noticed a late payments posted on my credit report : one of XXXX  XXXX credit cards for the month of XX/XX/XXXX - XX/XX/XXXX and the other XXXX  XXXX credit card for XXXX XXXX XX/XX/XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2016-08-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Western Collection Bureau, Inc. (CT)

Several of my relative and employer received a call stating there was an arrest warrant out for my name if they know my where abouts. I called they claim they were a mediation firm there was a debt in my name from XXXX that I knowingly defrauded the company. I asked them to verify the deb by sending a letter of verification they just said they would send a subpoena to my home and hung up.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

My mortgage was sold to Green Tree mortgage which became XXXX ditech. I overpaid my mortgage {$150.00} per month and had a years worth of overpayments in unapplied funds. I called the customer service number and asked this to be transferred to principal or refunded to me. Somehow this triggered me to be in collections ( I never missed a payment, always over paid ). 
This unapplied funds was sent to escrow and none of the XXXX people I spoke to could figure out how to fix this. They had no ide idea how I was in collections while overpaying, I have at this point been calling and calling to have this unapplied funds sent back to me, I am now told it was sent to principle but they are not really sure, I want the money sent back to me as I do not see it anywhere on my account anymore. Customer service has not been taking calls all week and the people who answer the phones are nasty and really incompetent. Please help and warn everyone about this nightmare of a company.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Our mortgage was transferred from greentree mortgage to ditech. Our mortgage payment is made every month on time thru my bill pay from my bank account. Starting XX/XX/2016 we keep receiving statements showing them not receiving the payments. I have contacted ditech several times trying to straighten this out. I was told the payment was applied to my escrow account and they could not explain why this was happening and assured me this would be corrected and the late fees would be waived because it was not my fault. Every month I contact them several times trying to have this corrected. I am very frustrated and upset with ditech. Can you please help me?
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (IL)

Ditech is refusing to review my modification packet. I summited twice and the first copy never maded they kept advising me to please wait a couple of day more until more documents get uploaded. Therefore I was forced to re-apply once again for a modification review. This is very upsetting because my house sales on XXXX/XXXX/2016. I have tried to work directly with Ditech however I feel they are just prolonging my case so my home can foreclose. I am in desperate need of assistance.
Consumer complaint received 2016-10-14
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (SC)

SunTrust Mortgage has foreclosed on my home. During this process they were required by law to give me an option to rescind ; XXXX The form was never provided to the consumer of our right to rescind at the beginning or during the process. It is important for all these alleged creditors to abide by TILA to make sure our constitutional rights are protected. We still have not received this form from SunTrust Mortgage. Where is the consumer right to due process according to TILA outside of the court. Making us aware of this situation would have provided us a proper relief rather than going through the embarrassment of court.
Consumer complaint received 2015-06-04
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Van Ru Credit Corporation (MD)

I had XXXX in XXXX 2015. I have a hospital debt for a little over XXXX I made a payment of XXXX in XXXX 2015. I called the creditor in XXXX 2015 to set up automatic payment arrangements. I was told that my debt as transferred to a collection agency. I 1was provided w/the agency 's phone number. I called them the same day XXXX XXXX to set up automatic payments which I did. We agreed on XXXX monthly. An initial payment was made at that time. Today a get a letter from another creditor demanding money for the same debt. asking me to set up payments with them. In addition this new company has made phone calls to my job.
Consumer complaint received 2015-07-08
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: American Credit Resolution, Incorporated (TX)

claiming that they a company called American Credit Resolutions and that they are going to arrest me if i do n't pay. 
I made the mistake of giving them my information. 
The original creditor : XXXX gave them {$200.00} i do n't think there legitXXXX XXXX XXXXAmerican Credit ResolutionsXXXX XXXX, Georgia XXXX is the new number
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-07-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Veripro Solutions Inc. (MO)

XXXXPurchased home ( {$62000.00}. ) in XXXX, MO, using VA Loan Guaranty benefit. 
Subsequently, income & credit rating declined as credit card debt mounted.. 
XXXX XXXX XXXX home loan ( {$63000.00}. ) with XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX Fraudulently induced me to 1 ) apply for {$40000.00}, to work like a bill consolidation loan for unsecured credit card. debts, based on my equity in home -- ( appraised value {$100000.00}. ) -- & formalized by Deed of Trust. 
XXXX Using cheap local lawyer, obtained XXXX  XXXX Bkrptcy, including discharge of both 1st & 2nd Mtgs. Continued occupying home & making mtge payments. 
Subsequently I launched ( pro se ) campaigns to get both lien-based debts " modified ''. In XXXX  secured a realistic income -- based modification of 1st Mtge ( XXXX ), with which I am 100 % complying.. 
Successsor of 2nd Mtge acknowledges debt cancellation, while adamantly refusing to file Lien Release. Home Hostage / extortion situation.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My lender claims that we are not carrying hazard insurance to cover our home. We have provided them with proof of insurance multiple times and have made multiple attempts to resolve this issue. Our insurance agent has attempted to resolve the issue as well. at this point they have refused to accept our policy and are charging us for a hazard policy provided by them at approximately XXXX times the cost of our existing policy. This issue has been dragging out for over three months. Every time that we contact this company, they tell us that it will be reviewed but nothing gets resolved.
Consumer complaint received 2015-04-17
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (KS)

They claim to be National Credit Adjusters-Seeking money I borrowed from XXXX XXXX XXXX over a year ago. It was for around {$500.00}. The man named XXXX was very rude, telling me to go take a loan from a bank, asking me where I bank, if I care about my credit and kept asking many rude questions. I kept my cool and told him I would deal with Ace themselves. He continued to be very rude and degrading. I was willing to work out a payment plan but he kept insisting I go to a bank which I am not going to take out another loan.
Consumer complaint received 2016-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (CA)

The National Student Loan Data System is reporting incorrect information regarding my attendance at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 's records show inaccurately that I graduated in XXXX 2011. I did not. I was attending the school through the date of closure and was scheduled to graduate in XXXX 2011. I was unable to graduate because the school closed while I was attending it. NelNet is refusing to provide a closed school discharge because of false and misleading information reported on the XXXX XXXX XXXX XXXX XXXX. I have provided them with many documents supporting the fact that i was enrolled in the school at the time of closure. After trying to resolve this issue with the XXXX with the XXXX, the XXXX told me Nelnet agreed to accept my transcripts as proof of enrollment. I have provided the transcripts, but NelNet is still refusing to grant the discharge. It states it is relying on the information on the XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (MI)

After comparing credit cards on a consumer finance site ( XXXX ), I selected a Chase Slate credit card that offers 0 % interest on balance transfers for the first year or so. I have a Chase Amazon card but we are selling our house right now and the card balance has been increasing while we wait to find a buyer for our home. I wanted to transfer the balance to Chase Slate to take advantage of the tools. I applied online and Chase pulled my credit. I was not provided an online result and the site indicated I would receive a letter. I 've never received anything. I still do n't know what happened. I suspect Chase does not want me to transfer my balance from one Chase card to another because they are currently making interest on my balance. However, I did not find any limitations on applying assuming you can qualify. I have no idea what happened and have not provided any documentation. That was well over a month ago. We 're just waiting and waiting.