davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NV)

XXXX   XXXX   XXXX  is my client. This is attorney  XXXX   XXXX . He is married with  XXXX  children. He has  XXXX  people living in his house. It is a very humble house in a very old neighborhood. It is way  upside d own. I have applied for  three  modifications for this man with  US Bank,  and he has been turned down each time.   This time, he was turned down and the letter says he was turned down because of " discrepencies in his application. '' Then it says, if you want to know what the discrepancies are, you have to GET A SUBPOENA. This is an auto mechanic with  XXXX  children. He obviously can not afford to hire an attorney to file a lawsuit and obtain a subpoena.   Also, when you cal l US Bank, ev en if you are an attorney such as myself, and even after they verify you with the client 's home address, social security number, date of birth, and confirm that they have a signed, notarize d Power of A ttorney from the client authorizing the attorney to handle their modification, the bank insists on getting the attorney 's personal social security number or taxpayer ID number. If you do not give them your private information, which they have absolutely no need for, they hang up on you.   Help me save this man 's house and get answers to the modification effort.    XXXX   XXXX  is the borrower, I,  XXXX   XXXX , am his attorney.
Consumer complaint received 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

XXXX  was closed and I am not satisfied with the company response.   My original complaint : YOUR COMPLAINT After my  XXXX  in   XXXX   XXXX  , I decided to go into a public service position that I am still working in. I was aware of the  Public Loan Forg  iveness pr ogram and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in   XXXX   XXXX  . I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In   XXXX   XXXX  , I decided to submit my application to see where I stood. I received a response back in   XXXX   XXXX   stating that none of payments qualified. I contacted th e FedLoan  Services at  XXXX    XXXX   XXXX   to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a public service position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in  2009  when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham.  XXXX   XXXX  :  XXXX  University,  XXXX   XXXX , MO.     Company response : Uploaded PDF. I could not access the pdf to review the full response. I will respond to the comments listed. " FedLoan Servicing advised the borrower of the eligibility requirements for the PSLF program. FedLoan Servicing advised that the borrower 's loans were placed on  a 25-year Standard Level repayment plan, which was not eligible for the PSLF program. FedLoan Servicing encouraged the borrower to apply for Income-Driven Repayment ( IDR ), which is eligible for the PSLF program. " I was not advised that going on a repayment plan   of 25 years would make me ineligible for the PSLF program. To the contrary, I was told that if I made regular payments under the 25 year repayment plan that I would be eligible for the PSLF. I still do not understand how you can make 10 years of payments under a standard plan and still have a balance that would be forgiven.
Consumer complaint received 2017-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX / XXXX /  XXXX   I spoke with  XXXX , case  XXXX  of  XXXX   XXXX   XXXX   XXXX  and she had informed me that there were options in which I could save my vehicle. I had a hardship of hurting my knee back in  XXXX  and has since escalated to having  XXXX  in my knee. I 've had to pay medical office visits, prescriptions and an  XXXX . I had spoken with the young lady of my hardship and roof being damaged due to severe weather. She was very understanding but told me to try to get a payment but if I could n't she had other options to help me.     XXXX   I called  XXXX  of  XXXX   XXXX  Auto Finance and told her I was unable to get the payment as money is extremely tight and I do n't get paid until the first of the month. I am expecting a settlement for my roof damage but that has not come to fruition yet as I was hoping to catch up my payments. She then informed me that there was nothing she could do and that it would go to repossession department and they would escalate the debt. I asked about a modification and she said that was n't an option but told me to call the repossession department and they  XXXX  have some options.    XXXX / XXXX /  XXXX   I spoke with  XXXX  of  XXXX   XXXX  Auto Finance  XXXX  Department and she was not understanding at all. She was very rude and I explained my hardship and told her I was a customer with them for a long time and she said well we have a lot of customers with us for a long time but your car will be repossessed if you do n't come up with  XXXX  payment and then we have some options. I explained that I do n't get paid until   XXXX    She informed me that they would come take the car on Friday but I asked her how much time would she give me to try to come up with the money and she gave me until  X/XX/17    before  XXXX  pm otherwise they will pick up the car on  X/XX/17.  I was devastated as I ca n't work a second job as I normally would to make extra income but with the my knee in the situation it is in, I am limited and unable to work part-time. I work full-time and it 's sedentary but I just needed some time to get the payment or help with a modification. I do n't know what to do. Please help.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CO)

For a purchase in  XXXX  the transaction was transmitted incorrectly in  USD  instead of   XXXX  . The transaction was fo r 6 s odas at   XXXX   XXXX   XXXX   at   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . The transaction was made on  X/X/17   . I called  EDWARD JONES MASTERCARD CARDMEMBER SERVICE  at  XXXX  on   XXXX   after noticing the mistake on my credit card app. I made this call from the lobby of   XXXX   XXXX   XXXX   XXXX   while talking with  XXXX  from  Cardmember Service i n the presence of  one  of their representatives,  XXXX . She informed us that all credit card transactions in the hotel were done in pesos. The total amount of this transaction was  XXXX  pesos. ( about {$20.00}  USD ).  My   XXXX   XXXX     statement shows the transaction as  XXXX  USD. On   XXXX   XXXX   I received a credit for {$470.00} on my   XXXX   XXXX      E.J.    MasterCard statement.I lat er received a form from  Cardmember Service abo ut the dispute, filled it out and returned it with a copy of my receipt. In a letter dated  X/XX/17    from  XXXX  at  Cardmember Service it sta ted that there was insufficient information to support my claim of an incorrect amount and they would be reversing the provisional credit dated  X/XX/17   . I called  Cardm  ember Service   X/XX/17    and talked to  XXXX  and she could not help me. She had  XXXX  call me the next day and she told me that the copy of my receipt was illegible, that I had written on it, and that voided my dispute. I believe as  XXXX  had originally told me that this transaction was transmitted incorrectly by the credit card company not the merchant. I faxed a dispute letter concerning this dispute case #  XXXX  on  X/XX/17   .
Consumer complaint received 2024-10-15
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. (PR)

On XXXX  XXXX of XXXX  I received a credit report from TransUnion in which it indicates that they used my name and my social security number with an address other than mine. And the date this occurred was XX/XX/year> on the dark web.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I am requesting the removal of a bankruptcy on my Experian credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
Consumer complaint received 2017-11-26
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. (NC)

I am requesting the removal of a bankruptcy on my Transunion credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Transunion has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (OH)

First progress credit card reports to credit companies before my cycling dates. My bill is due on the XXXX. They reported on the XXXX. My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX fine this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad credit.
Consumer complaint received 2017-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SUNTRUST BANKS, INC. (MN)

On XX/XX/XXXX I rec 'd a letter from XXXX XXXX Assistant VP of SunTrust Bank, where she lied once again about my XXXX score on XX/XX/XXXX. The score verified by XXXX was XXXX on that date, yet XXXX continues to lie and say it was XXXX. She blames a screenshot I provided supposedly from XXXX XXXX. I am asking XXXX XXXX to provide ALL documentation that SunTrust rec 'd on XX/XX/XXXX with the credit score she is currently still LYING about to me and to the CFPB. 
Furthermore I do hope the CFPB can see this continued lying and lack of disclosure XXXX XXXX is using in an effort to pass this off. She is lying, Suntrust has lied and has tarnished my Credit Score into something it is not. 
I am asking XXXX XXXX to submit the XXXX report to me as she stated with a date of XX/XX/XXXX showing my score was XXXX as she stated, or admit she has lied.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (GA)

Not one of your cat applied. I was in XXXX in XXXX when a live check came in the mail and one of the family deposited it since I often received paychecks by mail, No one knew it was a solicitation for a loan. Once I returned from XXXX in XXXX, I found out about this loan and was XXXX. I did not approve, or even sign the check. They will not provide me a copy of the check but to keep my credit in check, I made the payments at 34 % int. Once I became medically unable to work, my fixed income became strained and I contacted XXXX XXXX in XXXX and they said tough. One lady asked the following two questions : " do you have a child 's account you can pay us with '' and " you have a wedding ring right? sell it or other jewelry ''. I was highly offended. I have hearing problems and have notified them I can not talk on the phone well and gave them my new address. They continue to call 4 to 5 times a day and I can not answer. They only use an email service XXXX calls deceptive. They reused to work with me, refused to contact me in a way I can even if no personal information is sent. According to the XXXX XXXX document, Guidelines regarding the Avoidance of Predatory and Abusive Mortgage Lending Practices in Georgia XXXX XXXX Banks, they fit the bill, using predatory leaning methods to secure high interest rate loans with those who can not afford it, have low credit or are on fixed incomes. They even have on their walls a certificate from the governs office proving they have support of the state in their lending methods. I have no choice but to let it go to court, they say I signed a document that said I agree to arbitration. I never saw any document or signed any check or paperwork and now want this loan expunged. This is not the only Leander that did this while I was out of the state, XXXX XXXX also said I had a loan and threatened legal actions. No one in my family saw this check and no one signed it but to protect my credit, I paid them over XXXX for a XXXX $ loan. Now, I throw all mail away without opening it, just tear it in too. My credit has not been destroyed and this leaning practice, illegal in XXXX states, is common in Georgia and I want to see the companies closed and this predatory leaning stopped.
Consumer complaint received 2017-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

In XXXX 2017 I filed a dispute of an item on my credit report with Transunion. I provided documentation which proved that a collection did not belong to me and Transunion removed the disputed item from my credit report. A week later I discovered through the TransUnion website that they had lowered my credit score. The reasons for the scoring were contradictory. On the positive side they claimed I had no collections, that my debt ratio was perfect and my payment history was perfect. On the negative side they claimed I had too many collections and past due payments my debt ratio was too high and the age of my accounts was too recent.
When I called to find out the reasons for the discrepatencies they told me that the score on line is not my real score and that I would have to pay to get my true credit score. When I told them that they had raised my score last month and I owed more and had the incorrect collection yet this month they lowered my score even though I owe less and the collection was no longer listed they told me that the scores they give for free and the scores they give when I pay them and the scores they give to potential creditors are not the same. They also refused to transfer me to a manager for clarification. I feel that TransUnion is intentionally providing fake score on their website in order to force people to pay for an accurate credit score. In addition, the measure they use to determine credit scoring is arbitrary and biased. I feel TransUnion uses bribery in order to sell scoring products and also practices discriminatory scoring practices.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.
Consumer complaint received 2017-11-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (VA)

I began to get behind on my car payments in XXXX due to XXXX XXXX and a move that I was n't planning on. I received a call from an employee from the following number : XXXX. I had a hard time hearing the message, I think her name is XXXX. In her message, she asked me to return her call before XXXX pm to number XXXX, extension XXXX. I was on XXXX XXXX so I pulled over and it took me 4 times to get someone to agree to transfer me. The employees kept refusing. I had to demand to speak with a supervisor and told her she needed to transfer me. I finally got through and spoke with her person who left a message. I have never had such a hard time reaching someone. She put me on a 60 day extension which she said I had to make a payment on XXXX XXXX or XXXX XXXX and then I would n't owe a payment until XXXX XXXX. This is where my frustration began. I logged on to the app to check my account on XXXX XXXX and noticed that my account is still 3 months behind, it is not reflecting the payment arrangement. I called Ally to see if I could speak with the employee who created the payment arrangement, XXXX. I called the number she provided 17 TIMES between XXXX XXXX and XXXX XXXX. The phone reps REFUSED TO TRANSFER ME. I asked for supervisors who also REFUSED TO TRANSFER ME. I asked to call centers in the XXXX hoping I could get transferred and was still refused. Every rep wanted my account number or social. I provided it and then was told so many different answers that I had to write them down. The first few reps told me that I was NOT ON A PAYMENT ARRANGEMENT AND THAT I NEEDED TO MAKE 3 PAYMENTS. I explained that I spoke with someone and had a payment arrangement. I was interrupted, or yelled at, or hung up on, or talked over so many times that after 17 tries to get to the person who put me on the supposed payment arrangement that I GAVE UP. 
This is how Ally works? I have no proof that the person put me on a payment arrangement and no way to speak to her directly because the call center employees REFUSE to transfer me. They also want to put me on their version of a payment arrangement, even though I am supposedly on one. They yell over me, argue with me, and flat out refuse to get someone to transfer me. I have asked to speak to a XXXX based call center hoping I can be transferred. I am at call 18 and am tired to arguing.