davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
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. (CA)

a bankruptcy is reporting under my name on transunion credit reporting agency, this bankruptcy is inaccurately reporting since it was filed with out my knowledge and with out my consent, a lawyer who now is disbarred, has done this to many of his clients, and he is suffering now from consequences, but now i am suffering because of this inaccuracies. 
please i have attache the police report and also filed dispute many of them with transunion who is unwilling to remove this inaccuracy from my credit file please help me to get to the bottom of this and have this inaccuracy removed from transunion reporting only thank you
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

I filled out a car loan app at XXXX XXXX, they keep saying they have not received a response from XXXX XXXX but I keep getting multiple inquiries on my credit profile. This is not fair inquiries account for 10 % of credit and having a lot of them is a reason for denial while trying to get a loan. They are hurting me financially and Im a mother of XXXX children.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

I reviewed my credit report and noticed that XXXX XXXX was reporting a negative trade line on my credit report ... Open collection without a balance nor who are they collecting for..account number # XXXX. On XX/XX/XXXX I mailed them a certified debt validation letter. On XX/XX/XXXX I sent them via certified mail a failure to validate letter. They received the first letter on XX/XX/XXXX... as of right now they have not responded to both of my letters. I also disputed this account with the XXXX XXXX twice and they CLAIM that the account was verified and it will remain on my credit report. I do not understand how is that so because XXXX XXXX has not responded to my claim. On XX/XX/XXXX I contacted XXXX XXXX   and I spoke with XXXX and she advised me that they received my debt validation request on XX/XX/18 and they have submitted the dispute to the original creditor. As of today I have not received any correspondence from XXXX XXXX nor the original creditor. XXXX XXXX has violated the Fair Debt Collection Practices Act and Defamation of Character. XXXX XXXX claim is frivolous as they are unable to verify this debt within time frame.
Consumer complaint received 2018-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Services Collections, Inc (TX)

This medical debt that Account Service Collection Agency has been reaged. This debt occurred in XX/XX/2011 and was paid years ago. The debt has been reaged and the collection agency is unable to provide the original documentation of when the debt occurred and actual charges that were assessed. There are 4 accounts and 3 of them are charged multiple times ( 3 for XXXX dollars ). There were only two initial charges which was XXXX and XXXX dollars which were paid.
Consumer complaint received 2018-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

I had money sent to me from a friend. Paypal wouldn't let me withdraw it. Their reps told me to transfer it to another account I had and so I did a partial of it then they put a hold on that account as well then I transferred money to my dads account and they put a hold on that account. They told me they closed my account an I would have to wait 6 months in order for me to get the money. 

On XX/XX/2018, I was sent a total of {$11000.00} into XXXX account. I then was unable to withdraw funds they had me send in Photo ID, took my social security number as well as a utility bill. I was told to send money to my other account which I did and was able to only withdraw {$200.00}. There was also a past due account with Paypal for {$520.00} which I paid with these funds. Currently There is {$900.00} in XXXX account, there is {$5000.00} in XXXX account which is my dads account I tried to request the money back but paypal denied the request and wouldn't let my dad send the money back to me either, I also have {$5000.00} in XXXX account. 

So Paypal is holding {$10000.00} that belongs to me. The person that sent me the money called paypal and was advised they couldn't do anything to help release the money even though the money was already in their paypal account.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I made a charge on my XXXX credit card. I never received a bill until XX/XX/XXXX because they changed to paperless billing. I was alerted by XXXX  because our credit rating went down. We paid {$110.00} balance off immediately and closed the account. Unfortunately it has been listed as a 90 day over due and delinquent which caused our rating to go from XXXX to XXXX. We appealed to XXXX, XXXX  and XXXX and they continue to deny our appeal to remove the delinquency. I have had this card for 26 years and always always paid on time. Please resolve this.
Consumer complaint received 2018-06-15
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. (NC)

My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX  I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

I have foreclosure that took place 4 years ago and is complete. The servicer OCWEN shows the issue as current and that I am XXXX behind in payments. After contacting a mortgage company I am told it is still listed as a current debt and not in history section and causing additional stress on my score. I wish to have it properly listed in the history and not as a current debt.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Screening Reports Inc. (GA)

This company was used by two different apartment buildings to conduct a background check for screening purposes, the first on XX/XX/XXXX and the seconds on XX/XX/XXXX. Both times resulted in me being declined as a result of the results provided by Screening Reports , Inc .

Based on the Statement of Rental policy that both apartments provides online I should not have been declined and as a result have requested the consumer report that Screening Reports, Inc provided these companies so that I can verify its accuracy. 

I sent two faxes to their provided fax number they list on their website to request such report and both have gone unanswered and therefore have no choice but to file a complaint.
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

The supposed loan I owe is through navient. I questioned the loan because I have no documents on it. I had asked for documents to verify the validity of this loan several times over the last two years, I have called multiple times and sent a written letter. 
By navients own admission I have never completed an electronic application for a loan, yet when they send me the loan documents the promissary note says electronic signature on file. It's also a page I've never seen before and absolutely have never signed, so the the signature and date are falsified. They also still fail to send all of the requested documents like the electronic balance transfer authorization or original loan documents which are necessary to show and they legally have to send. I believe the school or navient has done something fraudulent and that the loan is not valid.
Consumer complaint received 2017-02-22
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Blackhawk Network Holdings Inc. (NC)

I purchased a Reloadit Pack to add to my debit card and was not able to get the money transfer to my card because of the many difficulties trying to load through the website as instructed by them. They kept giving me the run around and basically many others are having the same problem according to the many reviews I 've read. 
1 : I could not get through the computer system 2 : they kept giving me the run around for two days 3 : they said it could take up to thirty days for a refund I believe I have been scammed like the many other bad reviews and do n't think I will receive my refund. Everyone should read the reviews before purchase because many others and I mean hundreds have had the same complaints with this company.
Consumer complaint received 2018-06-14
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: Cawley & Bergmann, LLP (TX)

I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XX/XX/XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; XXXX responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with XXXX, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from Cawley and Bergmann reflects a different account number for the same account that XXXX is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is XXXX still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is Cawley & Bergmann offering a settlement on an account that is not verifiable? 

For the second account, XXXX merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XXXX XXXX states that a payment was due on XX/XX/XXXX, then how can XXXX say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that XXXX has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! XXXX nor Cawley & Bergmann provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, XXXX failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable. 

This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Home Mortgage services my mortgage and XXXX XXXX is their legal representative. XXXX XXXX sent a notice XX/XX/XXXX giving me 30 days to respond to the validity of the debt on the mortgage. In spite of this deadline, XXXX XXXX went ahead and filed for Foreclosure before the deadline causing us both financial damages and needless harassment. I have spent well over 5000 in legal fees in challenging the validity of the debt for nothing and more far reaching problems in the near term. XXXX XXXX filed for Foreclosure XX/XX/XXXX when it should have been after XX/XX/XXXX. XXXX XXXX and Wells Fargo need to be accountable for their actions.This is not the first time for Wrongful Foreclosure Filing on the part of Wells Fargo and XXXX XXXX.They filed for Foreclosure in XX/XX/XXXX while the home was in the settlement phase of a lawsuit against the builder XXXX XXXX for structural issues and the mortgage was in the loan modification process with Wells Fargo. XXXX XXXX
Consumer complaint received 2018-06-14
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. (MI)

In XXXX I filed Chapter XXXX  bankruptcy and was discharged that same year. In XXXX I noticed a collection that was on my Transunion and XXXX reports. This collection has an opening date of XXXX. This is false. The original creditor, in XXXX, gave me a personal loan. This loan was included and discharged in my bankruptcy. I provided this information to both of the above mentioned credit bureaus in XXXX. Again, this year they allowed this collection on my report. I disputed with Transunion and was advised the information they are reporting is correct. I have received zero information from Transunion or the collection agency. I have received no paperwork, no validation of debt, etc. If the collection agency were to even have proof it is dated for XXXX ( not XXXX ) and they are not the original creditor. The collection agency 's name is, XXXX XXXX for " XXXX XXXX XXXX ''. I have never heard of XXXX XXXX XXXX not have I taken out any loan with this company. They are indicated the opening date is XX/XX/XXXX. This is fraud and this information is false. How are these companies allowed to put things on your credit and lie and despite showing proof to the credit bureaus they don't care. Their resolution was that " the information is accurate ''. Where is the documentation proving that. There is nothing with a XXXX date because that is a lie that Transunion and XXXX have allowed on my credit.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I lost my job so my mortgage was transferred to Bayview Loan Servicing. I was working on getting back on track with a three-month trial plan that would avoid foreclosure and allow a modification. 
I made my first payment XX/XX/XXXX. When I called to make my second payment XX/XX/XXXX, I was told that I'd never made the first. It came out of my bank, so I had my bank look to see where it went, and it showed that Bayview put it in the wrong account. ( attached ) I also found out that because I'd " missed '' that payment, they had sent my mortgage to foreclosure. 
At that time, I called several times to get it fixed. An escalation " expert '' told me the only way to get anything to her was fax ( no email, which I later found was untrue. I could have emailed ). I purchased an online fax app to be able to get them what they needed. Still nothing. 
I did call their attorney to find that, at least, the foreclosure was frozen and nothing had moved on it. 
Finally, after nearly a month of calls they fixed it. 
Still there were issues on amounts. They supposedly now have paperwork backdating the first payment. 
I have since completed the three required payments, but the modification would have added 12 years to my mortgage, so I said I would rather just pay the back amount owed in increments. It's listed as about {$7000.00} but that's an issue as well. 
In that is about {$1800.00} or more in legal fees they paid to start the foreclosure process. A process that only happened because of their mistake. There is paperwork in their computer, I was told, that shows they backdated my " found '' payment to XX/XX/XXXX and that the foreclosure proceedings began XX/XX/XXXX. The woman I was working with agreed that this should be looked at. Two weeks later, still nothing. And now my mortgage is due again but when I called yesterday to check in and pay at least this month, I was told I need to do it through the person assigned to me. She failed to call on the appointment they gave me with her. 
And, I have a letter from the company saying that, since I didn't take the modification, I can either sell my house, have a pre-foreclosure sale or give them the deed to my property. 
Really? Because those aren't my only options. But from what I've seen in my brief online research, this company is good at forcing people into foreclosure and taking their property. 
So, I need this looked into. Not just for me but for the other people they may be doing this to.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

I have called the company listed on the credit bureau and they either dont answer, Im transferred to an agent that hangs up on me, they havent disclosed the origination of the debt, and repeated attempts and based on the amount lead me to believe it is an old debt that was either paid by insurance for healthcare or it was discharged in bankruptcy. The dates and times of calls along with the creditor details are below. It has been reported on my credit for over three years and it continues to accrue interest and negatively impact my credit. Ive even offered to pay it and was hung up on. 

Grant & Weber XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX - called - answered then transferred to busy signal XX/XX/XXXX - XXXX. Called - spoke to a lady transferred and no answer. Called back and office was closed. 
XX/XX/XXXX - XXXX. Called. Spoke with XXXX who stated he was the only one to speak with and when I asked about the debt and requested documentation of the debt he hung up. 
XX/XX/XXXX. Called. Answered then busy tone. Called back and it rang without and answer. Called back again and office was closed. 
XX/XX/XXXX. Office closed XX/XX/XXXX. No answer. 
XX/XX/XXXX. Left voice message. No call back, ever. 
XX/XX/XXXX. No answer. 
XX/XX/XXXX. Called and spoke with a nice lady. She looked me up and stated there was an agent to handle it. Transferred and spoke briefly with a guy who was extremely rude when I asked about details of the debt. I supplied all my contact details and verified who I was - he wouldnt supply details other than it was for a hospital visit and it was definitely owed. Needed to be handled immediately or court action would ensue. Then hung up. Called back - no answer. 
XX/XX/XXXX. No answer XX/XX/XXXX. No answer.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

in XX/XX/2007 i took a loan out with XXXX XXXX XXXX that was canceled but they still out collections with navient and the doe to collect a debt took my taxes and 2 loans were tooken contact lender and they do nothing but tell me to fill out forms
Consumer complaint received 2018-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

XXXX XXXX XXXX filed bankruptcy, one of the reasons was due to illegal practices involving student loans. Words like " Predatory '' and " Deceitful '' practices were being used to get students signed up for loans. 
I want to know why I am still required to pay, 11 years later, on a debt that was procured in this manner? Why has the debt not been forgiven? Aren't I just paying into something that was deemed illegal at this point? 
What are my options to get this debt erased and possibly defrauded monies refunded to me that I have paid over the past 11 years?
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (VA)

I am a Chase account holder of a Chase Freedom Unlimited credit card. In my online portal ( to which I have to login ) - I received a targeted offer for a Chase Freedom credit card. The offer stated in large letters " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' I provided the requisite information and submitted the application. Chase pulled my credit card. Chase subsequently not only did not provide a quick decision on the application, but kept it pending until I called in on XX/XX/2018 as I heard no additional feedback other than the application was pending. When I called in, I was told that I had to prove it was me who applied by providing a copy of my original social security card. I offered to provide a copy of my ssn through my XXXX or tax forms as those were readily available. That was denied as only a copy of an original ssn card would suffice for Chase Bank. I applied through my logged in Chase portal - my identity should have been immediately verified once I logged in successfully and prepared an application/ This is a huge inconvenience for me as I wouldn't have applied had I know Chase was not intending to honor their statement : " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' Now I have to go to a social security office to get a copy of my social security card because its not readily on hand and alternate verification for Chase are not sufficient. I believe this is unfair/deceptive trade practice by Chase Bank. I believe their targeted ad was intentionally misleading to me as a current Chase Bank customer.