davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am outlining the harm Ive experienced due to XXXX, XXXX ( XXXX ) repeated erroneous derogatory reporting to the credit bureaus. Despite XXXX assurances that the account would be corrected, the derogatory status continues to appear, as evidenced by a credit denial from XXXX dated XX/XX/2024, which cited my credit score as a primary reason for rejection. This denial and the ongoing inaccurate reporting have negatively impacted my financial standing.
Consumer complaint received 2021-08-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 2233 Paradise Road LLC (TX)

Received a phone call at XXXX on XX/XX/2021 at XXXX XXXX from a XXXX XXXX at XXXX and XXXX. Mr. XXXX did not state that this was a call to collect a debt or that I was on a recorded line. MrXXXX XXXX continued to state that he was with XXXX and XXXX and wanted to work with me in regards to a past debt. I told him that I do recall the debt but if I could receive a letter with all the information to confirm. He stated that he can just give me whatever information that I need over the phone. I let him know that I settled a debt recently and thought that it was for this particular client, he let me know that I should have received a letter from them if that was the case. I did let Mr. XXXX know that I was at work and would be more than happy to look into this as well. Mr. XXXX continued on by stating that I should be happy that they are willing to work with me because if I don't then that they will add this onto my credit report and that it would be stuck with me for the next 7 years and that since I am young, it would affect many items. Mr. XXXX stated that he would give me the day to check in to see if I could find a letter stating that the debt was paid and that I could give him a call back on XX/XX/2021. He then proceeded to give me his direct line and asked, " Did I give you my email yet? '' I stated that he had not and then he said that it was okay, that I didn't need it anyway. I asked if I could have the email address just in case if I needed to follow up and if he did not answer is phone. Mr. XXXX then became very aggressive saying that he just said I didn't need it. I reiterated that I do have a right to contact him via email if I choose to and he said that I still didn't need it and he could refuse if he wanted to. I asked him again and he said that he would not provide me with an email address to reach him and that he would not transfer my call to someone else. There is a clear difference in using scare tactics versus stating things that are illegal. I called back on XX/XX/2021 and spoke to a representative who did confirm that the call was recorded but did let them know that I was unaware since he did not say this. I am still awaiting a call back from Mr. XXXX as that is Mr. XXXX 's direct supervisor.
Consumer complaint received 2015-05-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

On XXXX XXXX, 2015 At approximately XXXX-XXXX, I answered my cell phone however there was no response from the caller. I immediately checked the call in to determine the source. It appeared to be HSBC. I placed a phone call to the number and reached XXXX XXXX, HSBC Home equity-line of credit representative. I asked about the nature of the call. XXXX indicated that this was an inquiry to see if I would be able to make a payment on the loan to bring the account current. XXXX, stated further " that during your financial interview on XXXX/XXXX/15, the information the information collected did not meet certain requirements. I stated that during the week of XXXX XXXX, 2015 I spoke with XXXX XXXX the account manager handling, the mortgage modification request. XXXX further informed that I was no eligible for the modification. This was determined by lack of income. I inquired what the income level needed to be. She stated based on the financial statement your previously provided you are not eligible. That seemed odd since HSBC approved a modification of my first loan which improved my income cash flow by more that {$600.00}. I stated to XXXX that I will inquire further to address this concern. On XXXX XXXX, 2015 I spoke with another HSBC representative XXXX. She stated that there is an option to enter into a payback option. This payback option was described in XXXX parts. The first option is XXXX % at XXXX An additional option at XXXX % XXXX and a final option at XXXX % XXXX. I asked could she send this in writing. She stated no they can not do that. This all seems very odd. No one from HSBC is willing to send forward in writing. I am not asking for a fair review. I am asking for a investigation of this matter. This is my 3rd complaint submission against HSBC. For HSBC not to send this tentative agreement of terms in writing, is not a sound business practice. It also appears that HSBC has taken the position to close the home-equity line of credit. I suspect a reconciliation of payments with the amortization schedule will show discrepancies of the principal owed and the payments applied. I asked that my previous complaint submissions be re-opened to address my concerns. 

I have taken the appropriate steps with credit counseling and made substantial cuts in family budgets and expenses. I am also working to resolve issues with other creditors. My original concerns with the modification process is multiplied by several representatives being assigned as my case manager. It was acknowledged that several documents were not sent to me in a timely manner and that their computer fax system does not always update information properly. The initial case manager on my XXXX and XXXX loan modification XXXX XXXX informed me that my original submission went into their processing system satisfy the first loan mortgage modification and not the second.
Consumer complaint received 2016-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: EdFinancial Services (ME)

My husband has student loans he obtained with the help of an aunt. We are currently getting divorced. They have my cell phone number and refuse to stop calling me. I spoke with them on the phone repeatedly and told them to stop calling my phone number. I asked them to update it to his number, which they already had. They refused to remove my number from their database. I told them in no uncertain terms, I did not want to be contacted again via phone about this matter. It 's not my debt, the person they are looking for is not at my number, and I do not want the calls. They point-blank refused to remove the number.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I have been trying to a modification of my mortgage with chase. this loan was finance by XXXX and services by first washington Mutual and was moved to chase went washington mutual went under. 
Its has been a night with chase since taking over the servicing of my loan. i felt behind due to illness and my job moving oversea and have been try to modified this loan for the past four year with chase. 
First the gave me a balloon payment option with was accepted after i was pressured by chase with treat of foreclosure. 
I have being in this residence in the past 17 years, and for the past four years have been making successful trier payment and without a modification at the end of it. 
Chase is attempting to modified my loan at a 3.5 % for 40 years with a payment of {$1700.00} above all other payment ever made for this property after 17 years. How just is this modification. I need help reviewing this documentations and the right decision made.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WI)

On XX/XX/2021 I tried using MoneyGram to transfer funds from my XXXX XXXX to my bank debit card. {$2500.00}. The transaction was canceled for some reason and they had already removed the money from my emerald card. They said 3-10 business days to get the refund. Its been all of 10 business days and have not gotten anything. I reached out to MoneyGram to find out what was going on. They told me it was refund that same day and to contact my bank. I contacted XXXX XXXX  and they told me that the transaction was pending and money gram was holding my money. I dont know what else to do. Nether place seems to know where my money went
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX XXXX have information belonging to a XXXX XXXX XXXX on my credit report. I would like this removed. I get calls all the time for this lady. Our Social Security numbers do n't match. 
No match of our DOB. I would like the credit bureau service to know this is hurting my good credit. Just because workers are so fast not to pay attention to correct information. Please remove XXXX XXXX XXXX information of my credit report. Obvious this lady has bad credit and its needs to be on her credit report. Now I got people calling giving me a hard time. I was XXXX XXXX XXXX off my credit report.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MD)

I fell behind on my mortgage because I had lost my job. I am employed again now. I am confident that I can make the payments on my mortgage even if my servicer rolls the past due amount into the loan and uses the current market interest rate to determine my new payment. I was in the process of a modification with XXXX XXXX when they sold my loan to Caliber Home Loans on XXXX XXXX, 2015. XXXX XXXX explained that they had not yet made a decision on my modification when they sold the loan. They said that they would forward the modification application to Caliber Home Loans. I called Caliber immediately on XX/XX/XXXX but they said that they did not have my loan yet. I called a week later and they said that I should resubmit my application. I sent in all of the documents required on XXXX/XXXX/15. I received a letter a few days later dated XXXX/XXXX/15 that they had received all of the requested documents and that my application was considered complete and that I would receive a decision within 30 days ; I did not. I can not get a straight answer from Caliber Home Loans. Sometimes when I call in they say that my application is being reviewed, sometimes they say that it was mistakenly denied and that they would re-review it and get back to me. Last week I received a " notice of intent '' to foreclose even though the XXXX/XXXX/15 letter said that they would not start foreclosure proceedings. Now I receive hang up phone calls from Caliber Home Loans every few days. I have requested to talk to a supervisor on several occasions and they inform that a supervisor will have to call me back and guarantee the return call with 24 hours ; the return call never comes. I would like to file a complaint against XXXX XXXX for not sending me a timely decision on my modification request. I would like to file a complaint against Caliber Home Loans for not sending me a timely decision on my modification request, for pursuing foreclosure while I was under review for a modification. It seems that Caliber wants to foreclose on my house and keep me in the dark to prevent me from taking action against them until it is too late. I would like to modify my mortgage or work out a repayment plan or figure out a way to stay in my house. Unless someone else gets involved I am concerned that they will continue to confuse the situation until they can take my house. I want to stay in my home. I am confident that I can make the payments if we can modify my loan.
Consumer complaint received 2023-08-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XX/XX/2023.
Consumer complaint received 2021-04-07
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: DISCOVER BANK (TN)

These accounts have been sold. As to knowledge, I am no longer liable for the alleged debt, and no written communication, contract, or signature. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, Please be aware this is an attempt to a violation of the FDCPA. The section 807 ( 8 ) it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2015-12-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: NE PROCESSING LLC (PA)

On Friday, XX/XX/2015. I received a phone call at my place of employment from an extremely rude gentleman from NE Processing. He told me he needed to get " my defense statement '' because my file was going further, whatever that means. I told him I was at work and he could not call me there. I hung up. He then called my cell phone and my home phone leaving the same threatening message about a " substantial lawsuit against me ''. I have no idea what this is for. It sounds like a scam to me. He never explained what he was collecting for. He just threatened me with a lawsuit and criminal charges.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2022. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MD)

I received my Citi Double Cash credit card statement for the month of XXXX which included a late fee of {$25.00} for a payment they indicated they received on XXXX. My payment was due XXXX. My automatic bank withdraw was made on XXXX and my bank statement indicated the payment was received and cleared by the Citi on XXXX. Citi did not post my payment until XXXX, one day after the due date, and attempted to charge me the {$25.00} late fee. It took me at least XXXX minutes of arguing with a Citi supervisor who was anything but helpful to resolve this matter. I feel they have been dishonest and hoped I would not notice the fee and/or not bother to complain about it. How many other people have had this experience?
Consumer complaint received 2024-08-28
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. (NJ)

I was shocked and confused to discover inaccurate accounts on my credit report this morning. Ive always checked my report without any issues, but today I found discrepancies that seemed to appear out of thin air. I even refreshed my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Im now urgently requesting that the documents Ive sent be thoroughly reviewed so I wont have to worry about this happening again.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (CA)

Us Bank has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Us Bank continues to verify the account with the burueus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2015-10-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC ()

In XX/XX/XXXX our mortgage lien was discharged in bankruptcy. Our original lien holder was XXXX XXXX XXXX XXXX XX/XX/XXXX. It was transferred to XXXX XXXX XXXX just before filing and discharge in XX/XX/XXXX XXXX. 
Despite the lien being discharged, possession remained in our names. We initially wanted to try and keep the property. As such, we tried to refinance through XXXX XXXX XXXX by submitting ALL required paperwork over 8 times during the next 2 years. 
In XX/XX/XXXX we experienced a house fire, and our insurance company declared the home a complete loss and paid {$130000.00} to rebuild. We signed the check over to XXXX XXXX XXXX, who then instructed us on processing the claim and beginning the rebuild. 
We complied with everything they requested and despite many attempts and well documented communication with them, they would never issue any funds to begin the process. Due to the time it has taken to resolve the matter, we now want the property out of our names so that we can move on with our lives and buy a new house. 
In XX/XX/XXXX XXXX XXXX XXXX sold the mortgage to Carrington Mortgage Services. The insurance funds were wired to Carrington as well. I contacted Carrington and was instructed to submit a request to their Research Dept. so they could look into the matter. The only option to do this was by regular mail, according to Carrington. 
To help us through this process, we obtained legal counsel and authorized the law firm to represent us in resolving the issue. An authorization was sent to them by the Attorney as well as a request to either allow us to transfer the property to them by way of a Deed-in-Lieu of foreclosure, or to have the lien deemed satisfied and released by applying the insurance funds to the account. The initial contact with Carrington was made XX/XX/XXXX. On XX/XX/XXXX -XX/XX/XXXX, all documentation they requested was submitted to them by the attorney. Each time he contacts them, they initially deny he has authorization to represent me. After 3 attempts each time, they then have told him to call back next week to check the status of the deed-in-lieu application. They have had possession of the account since XX/XX/XXXX, as well as the insurance funds. Neither Carrington nor XXXX XXXX XXXX has handled our account appropriately, and Carrington is continuing to further delay resolution by not cooperating. We were not able to purchase a home this year due to the title of this property still being in our names. It has been 6 years since our bankruptcy.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DC)

In XXXX 2015, Citibank was offering a XXXX AAdvantage mile promotion if you open a Citibank Checking Citigold Account Package, set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. I received several messages from Citibank stating that I was signed up for the promotion, met the minimum requirements, and that the miles will be processed to my account. However, after checking back with Citibank, I was told that " Unfortunately there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' This response was not consistent with the three messages I 've received from Citibank prior.
Consumer complaint received 2016-12-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (CO)

ARS Account Resolution Services our of XXXX and XXXX is trying to collect on a Medical Debt that they refuse to validate for me. I have asked them and emailed them several times to supply me with the original signed document stating that I requested medical services. Going one step further since this is a medical debt I have asked for the signed HIPAA release form stating that I gave permission to the doctors to share or disclose any of my medical file which includes but not limited to Name, Address, Social Security number, Medical XXXX and even billing amounts. All this information is to be protected under HIPAA and this company is in direct violation of that. I also call them and tell them that I am going to record my call, and they hang up on me. I do this for my protection. They also tell me they do not have on record the original creditor or doctors name or number for me to call myself to verify this debt. But ARS will send me a letter stating that they have confirmed this debt which is impossible. They have put this on my Credit Reports as well without following proper collection procedures and ignoring my requests for physical verification.
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Stewart Information Services (MD)

My title company, Stewart Title, came back to me 30 days or so after settlement and said that my deed had been rejected from the county because of insufficient funds for taxes. The title guy tells me I have to pay the amount ( {$710.00} ) or the deed will not be processed. Basically they screwed up my HUD 1 cost sheet, and now I owe more money than I initially planned for. They are not offering any discount or even apology. What is my responsibility? Do I have to pay? Is n't the title company responsible for " getting it right '' at settlement? Is n't that why I pay them the title fee?