davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

I just days ago got from XXXX a credit report dated XXXX see attached ) XXXX XXXX, 2015 and if you look at the loan for ChaseXXXX # XXXX account under XXXX report page XXXX, you will see that what Chase has wrongfully given them AGAIN bad information showing that I have not made a payment since XXXX and compare it with those idiots ( Chase XXXX OWN statement full of bad information it does n't match THEIR OWN STATEMENTS. Why is this being allowed to happen. Is there no one listening to me????? I am being not only financially XXXX!!!! but also slandered/deformation of character etc ... by this financial psychopath that calls itself JP Morgan Chase!!! All three of my credit reports are wrong not only do they not match this idiots own records but Chases records are wrong!!!!
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. On  XXXX   XXXX ,  2017  the dispute was initiated and on  XXXX   XXXX ,  2017  the investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc. (CA)

on   XXXX   XXXX   XXXX     i received an email from   XXXX   XXXX   stating my  credit score  has changed, stellar recovery had placed an account in collections lowing my  credit score   XXXX  points and lowing my fico score  XXXX  points.stellar recovery never contacted me about their ownership of this debt and that they were trying to collect on this debt, i never received a collection letter about this account, which never gave me a chance to dispute this debt before it reported on my credit report, violating the terms of the fair credit reporting act.I`m requesting this item be removed from my credit report a.s.a.p due to the mistake in the collection process
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (AZ)

My credit card company, barclaycardus.com, immediately shows charges when I purchase something. However, I made XXXX huge payments yesterday from my bank account directly to barclaycardus.com. Yet neither payment has been posted, nor has my balance been lowered to the much lower " balance '' to which I pay interest on. It 's an electronic payment, just like the charges I make to the card. Why does n't my payment reflect immediately as well? I 'm paying interest on a " balance '' that is incorrect.
Consumer complaint received 2017-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc (FL)

I had a student loan go into default and in XXXX of XXXX, I went into a rehabilitation program with Credit Adjustment. They sent me paperwork and I signed all the paperwork and they have been taking payments since XXXX and they stopped in XXXX with no notification in writing as to why. In review of my bank account I realized the amount agreed upon was not being deducted this is when i called to the collection agency and was advised that I did not qualify for the rehabilitation program because they made a mistake. In XXXX XXXX, I was put through an approval process and I complied with all requirements in a timely manner, I was approved and the agreement was signed and everything was fine. I have spoken to them on several occasions about the problem with no success of getting them to honor the agreement. I have not received a definite answer other then the fact that she does not qualify. Why did I qualify in XXXX of XXXX and not in XXXX of XXXX? I have the signed agreement and all the paperwork from XXXX of XXXX. I just wants them to hold up their end of the agreement. I has completed everything they have ask of me.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

This complaint is being filed cause sometime in  XXXX  i realized that my card was missing and i reported it to discover. They never credited the fraud charges so i was waiting for the credits to be done on the account. Today i called in and they had never flagged the fraud charges and i am being reported to the credit bureau for 30 day late payment for  XXXX   2017. I ha ve contacted them and been transferred to several departments and to no avail been able to have this resolved.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

I fell behind on Payment in   XX/XX/XXXX   do to an injury to my shoulder. I called ocwen weekly. They said there 's nothing they can do to assist me.   I applied for  3 l oan modifications every time I was denied. I make {$30.00} an hour and able to make the payment with one paycheck. So it all started  with litton loan in    XX/XX/XXXX   at some point ocwen took over all the bad loans. Please help me save my house.  XXXX   XXXX
Consumer complaint received 2015-06-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Alorica Inc. (IL)

I was a victim of a XXXX when the individual was caught and sentenced to XXXX years in prison. I HAD TO go to the hospital even though I told them no because I had no money. I went, incurred the hospital debt myself and it was bought by West Asset Management. I paid in full and I want this gone from my credit report.
Consumer complaint received 2017-05-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc. (NY)

On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I called a debt collector to request information on a letter I received from their company post marked  XXXX / XXXX / XXXX  on a {$270.00} bill. After I gave them my name and account number the male representative told me in an aggressive manner, " you hav e 24 hours to pay the bill ''. When I asked for information on the bill he repeated very aggressively again " pay the bill in 24 hours, do n't play with him or else ''. I repeatedly asked if his company could give me information on the bill in writing, he was not compliant but after another attempt to obtain information from his company he asked for my email address and then he hung up the phone while I was trying to talk to him. During the time I was requesting info on the bill he continued to speak over me very loudly, stating " I had 24 hour s to pay the bill so do n't play with him. '' I never raised my voice during the interaction nor gave him any form of rude communication. The entire experience left me physically and mentally distressed.
Consumer complaint received 2017-05-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA (KS)

willful fraud & material misrepresentation by contract applying earnest money on a   XXXX    down VA loan that renders contract void due to the fact VA wil l not guar  anty the loan do to this violation of basic elements of a VA -Guaranteed Loan / this practice is a violation of basic elements of a VA -Guaranteed Loan along with fal se dating on page  XXXX  of  XXXX  of the Residential Real Estate Contract Page  XXXX  of  XXXX  and  XXXX   XXXX  hold the violation of down payment on a VA  XXXX  down loan. Purchase price & lender price are the same at  XXXX  down VA. BROKER AGENT RENDERED CONTRACT TO BE VOID OF VA GUARANTE DO TO HER VIOLATION KNOWING OR SHOUD OF KNOWN RULLS OF A VA LOAN.
Consumer complaint received 2018-01-04
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. (GA)

Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.
Consumer complaint received 2021-07-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report and to this day 35 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. Pursuant to 15 USC 1681B ( 2 ) they didn't even have permissible purpose to furnish such information in first place. I NEVER GAVE THEM ANY WRITTEN CONSENT. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XXXX, 2021 i called Bank of America to report a change of address for card XXXX XXXX XXXX XXXX. I unfortunately told them my husband had died. They said someone would call. No calls. When I tried to use the card I found it had been canceled. My XXXX membership was canceled also.. I tried to call number XXXX. I was on hold for 40 minutes. I did finally talk to a representative who gave me the XXXX XXXX number. I never was able to get through. On XX/XX/2021 I was on hold for 20 minutes with no answer. I believe i was on hold trying to find help over an hour. My credit score has been affected I am sure.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

Not once not twice but three times our loan was applied to the wrong account, I was charged a late fee, I called and spoke to someone and was assured that everything would be taken care of and again another late fee because the loan was applied incorrectly - it 's bad enough they charge what they do and when we tried to ask about setting up different payment options we were told we could not. The interest rate alone is killing us - the debt is over XXXX and we give our hard earned money to this organization and they fumble with, heck yeah I am very aggravated with them.
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (NV)

This company " Convergent " using number XXXX keeps calling me everyday sometimes multiple times of day for over a week for some person I do not know and does not nor has every resided with me or has every even known me. I got this number back on XXXX XXXX, 2017 and explained to them to remove my number and stop calling me. Now they have told me I 'm lying and refused to also not record me when I told them not to, they also no matter how many times I tell them to give me their manager never give me a manager, they just deflect and try to phish for my personal information. Which they have no right to have as I 've never done any business or have contacted them. Yet they are rude and hangup when asking for their manager.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (PA)

In 2015 I went to the emergency room out of state. I have insurance through XXXX that my insurance said is covered in and out of state. Almost two years after this visit I got a bill for over 300 dollars. I contacted my insurance and the hospitals billing department. My insurance said that they needed something called a rendering XXXX number from the hospital and the hospital said that whatever doctor I saw that day didn’t have that number out of state. So basically both parties wouldn’t comply with one another. If my insurance is telling me I’m covered and that the hospital is failing to comply and the hospital is saying that’s not true there was nothing left for me to do. My insurance filed claims over and over again until the hospital was past due on the timeline my insurance would of covered this bill so it went into collections. XXXX, whom I spoke to from Choice Recovery was so rude to me. The official letter came to my parents house but when I spoke to her she did not tell me that I have the right to dispute it. She told me my only option was to pay the bill unless I wanted my credit to be reuined. She didn’t listen to the issue and she refused to call my insurance company. My insurance company said they would be happy to speak with her and explain the situation but she said she wouldn’t do it but wouldn’t give me a valid reason as to why not yet her manager said they are allowed to do so. She gave me an attitude and brushed me off and didn’t offer me solutions. This company’s job is to investigate the situation and work with you to try to help and figure out the issue instead she bullied me and was no help at all.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (NV)

A credit report was requested and Real Time Resolutions was reporting an account opened and currently past due. I requested several things directly from Real Time after disputing with the bureaus and this was not resolved. I am sending a copy of the letter that was sent to them along with their response. What was requested was not a print screen but complete information. Their response is unacceptable as I 'm sure anyone would agree.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (GA)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

I, never gave any 3rd party any written consent to report anything on my consumer report. No contract is identity theft.

Concerning all accounts as a consumer I am demanding a deletion of these accounts.

Under 15 U.S. Code 1692h. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Consumer complaint received 2021-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

The Money Source has held my escrow overage for two consecutive years. I have called numerous times and they continue to make excuses. The Money Source is still refusing to issue my two escrow checks although they agreed to do so in response to my previous complaint XXXX # XXXX XXXX. I have called many times and continue to receive different excuses from different representatives and no call back from a supervisor as I have requested on several occasions. I am due a refund from last year that was never issued as well as this year. The first check should be {$1000.00} from XX/XX/XXXX and {$1200.00} for XXXX. The total amount due to me is {$2200.00}. 
Previous response on XX/XX/XXXX Consumer Financial Protection Bureau Online Portal Re : Case XXXX To Whom It May Concern : The Money Source XXXX XXXX NMLS # XXXX XXXX ( TMS ) is in receipt of the complaint filed by Ms. XXXX XXXX XXXX the Borrower ) with the Consumer Financial Protection Bureau. Ms. XXXX complaint states that TMS has not refunded her any escrow account surpluses. She also asked that her escrow account be reanalyzed. Upon receipt of the complaint, TMS conducted a thorough review of the loan file and determined that the Borrowers account has been active in a Chapter XXXX since XX/XX/XXXX. An escrow overage on a loan in active bankruptcy requires additional review and approvals prior to disbursements being generated. TMS analyzed the escrow account on XX/XX/XXXX and determined that there was a surplus of {$1100.00} in the escrow account. The surplus remained in the account, and the disbursement was not made. TMS performed the XXXX annual escrow analysis on XX/XX/XXXX. Due to an increase in the county taxes, the surplus decreased slightly from the {$1100.00} to {$1000.00}. As the Borrower requested, a new escrow analysis has been run to update the account. The homeowners insurance decreased from a yearly premium of {$1900.00} to {$1800.00}. The new surplus amount of {$1200.00} will be refunded to the Borrower within the next 7-10 business days. The new contractual payment amount has decreased from {$1700.00} to {$1700.00}, effective with the XX/XX/XXXX payment. At TMS, we strive to exceed our customers expectations with every interaction. TMS fell short of this goal and sincerely apologizes for the delay in sending the escrow surplus to the Borrower. 

Although the Money Source responded to this complaint they still have failed to meet the terms of the agreement and have failed to issue my escrow refunds.
Consumer complaint received 2021-07-12
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. (VA)

According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

Reporting {$570.00} XXXX bill dated XX/XX/2021. 
XXXX verified there is not a past due bill. I even started new XXXX service XX/XX/2021 at my current address. 
If it was my bill they would have sent me a bill or collection notice. I never received either. 
My score dropped 38 points and I was denied a loan. 

I called Transworld Systems INC on XXXX XXXX and they continued to ask my ss #. They clearly were fishing because they new it wasn't mine.
Consumer complaint received 2017-04-10
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Applied for a Bank of America home equity loan ( {$300000.00} less than 50 % CLTV ). Rejected because " Bank of America Credit Obligations Not Paid As Agreed ''. I looked at my credit report and there was a {$280.00} credit card charge off from OVER TEN YEARS AGO. I immediately paid this BoA credit card from my BoA checking account. Bank of America apparently cross sells you on buying several of their products, but when you have to ask the home equity department, to verify with the BoA credit card department that a balance is zero, having being paid from a BoA checking account and THEY WILL ONLY ACCEPT information provided by the credit bureau ( in this case XXXX, who is another nightmare ) - and do you know who provides that information to the credit bureau - Bank of America.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (KY)

Continue to not receive any cooperation from US Bank on receiving my {$25000.00} from the account they closed without provocation. Have traveled to branch bank where manager XXXX XXXX works & continue being denied access to my funds. My next step is to contact the Kentucky Attorney General and filing a complaint with that organization.
Consumer complaint received 2022-02-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have updated information regarding Equifax 's investigation. A complaint was made on XXXX regarding late payments on my credit report and they replied on XXXX saying they are still investigating. Today is XXXX and i still have not received any result to the investigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681i ( a ) ( 1 ) ( B ), they have up to 45 days to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and it is well pass 45 days. They are in violation. I have attached a complete paper trail of my communication with Equifax. Awaiting your advice on this matter, please.
Consumer complaint received 2017-02-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CHARTER CAPITAL CORPORATION (CA)

Fraud, Financial Identity Theft and Civil Theft of a Note. 

The Trust does not exist : XXXX XXXX XXXX XXXX XXXX XXXX. Please note that the trust first registered securities with the SEC in XXXX XXXX. However, the trust filed a Form XXXX Termination of XXXX XXXX XXXX in XXXX. 

NO LEGAL STANDING Charter Capital Corporation in XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charter Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, Asset Backed Certificates, XXXX XXXX alleged, Holder, Attorney in Fact, but not Holder in due course using a void Note.