davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I am a victim of identity theft. I have supplied this company with the police report and the FTC affidavit. Originally, I was told the police report was inadequate because it didn't list the companies my name. I then did a supplemental police report listing any and all fraudulent accounts and inquiries and faxed that in. Now, I am being told that the police report STILL doesn't meet their criteria and I have to wait for the individual companies to investigate. Most of the companies listed have already investigated and removed the fraudulent accounts from my credit report ... however the inquiries still remain..which in turn is lowering my credit score and preventing me from getting a mortgage. 
In addition I had spoken to a representative several weeks ago about locking my credit report to prevent such occurrences and was assured my credit report was locked..however I find that this is not the case ... and whenever I try to lock my credit report I am unable to do so and keep receiving an error message both online and over the phone.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I opened a dispute with XXXX for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXXXXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..
Consumer complaint received 2018-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

When I called Shellpoint in XXXX, I was told by my Relationship Manager, Mr. XXXX XXXX, that my new mortgage payment would be {$1300.00} which is at a fixed interest rate. 

The letter dated XX/XX/XXXX and received by me on XX/XX/XXXX that I received from Shellpoint now puts the mortgage at {$1300.00}. The letter was received after the mortgage was due. I sent {$1300.00} on XX/XX/XXXX because that is what I was told was due by Mr. XXXX. This payment is much higher than my original payment for which I requested a modification to help with my original payment. 

When I called on XX/XX/XXXX to inquire of the mortgage payment, the representative said the payment is {$1300.00}. This is not the amount I would have agreed to pay. 

When XXXX transferred the loan in XXXX, I was in a trial modification and the balance was {$190000.00} which included {$20000.00} in fees that they put on the back of the loan. The letter I received from Shellpoint is {$210000.00}, which appears they added another {$20000.00} in fees in three months.
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

I have an account open with Chase Bank that they will not give me access to. I just received a mailing against that I have an account open and every time I speak with them they negate me completely and act like they have nothing in their back offices to show me. I have included two photos of my recent mailing from Chase Bank about my open bank account. After that I included many photographs of buildings with my last name 's symbolism of circle/s uplifted on them. The Circle/s uplifted are XXXX 's. Each building uses my life expectancy to make money come in for themselves. I have never been paid for the use of my protected identity which is XXXX. Please help me finally. I am XXXX and I am upset this is political and religious persecution too.
Consumer complaint received 2018-10-29
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: EQUIFAX, INC. (TX)

I have many inquiries that were checked in XX/XX/XXXX and XX/XX/XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.
Consumer complaint received 2018-10-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (WY)

In XX/XX/2017 a {$500.00} loan was issued. After a year 's worth of payments they continued to draft my account on an irregular basis resulting in " missed '' payments. I received no notification of correspondence from XXXX XXXX at this time. The loan should have been satisfied. Only to find out that their over the top and illegal in my state interest rates sky rocked my loan from {$500.00} to over {$1200.00}. They then sent fraudulent garnishment paperwork. Today I received a call from a woman attempting to collect for them stating there was a garnishment and when asked for the civil court number she became abusive and hung up. I took calling back 17 times of repeated verbal abuse, long holds, and multiple transfers to get them to admit that there was in fact no garnishment or attempt to gain one through the courts. Their practices are misleading, illegal, and abusive. From research I've learned that XXXX XXXX XXXX has recently and repeatedly been int rouble with the FTC regarding these practices. It's time to shut these people down.
Consumer complaint received 2018-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

After receiving a payoff of {$170000.00}, which included an amount of XXXX in escrow disbursements the matter to settle this is URGENT. We are attempting to payoff a mortgage with Mr. Cooper and believed what we owe was at least {$130000.00}. An investigation has gotten underway but in the interim, several escrow representatives has stated this amount comes from payments to the tax departments. I have called the individual tax unities. Specifically, XXXX XXXX XXXX, who received a payment of {$17000.00}. 
County tax XXXX and Mud tax of {$6100.00}. These amount calculate to over {$28000.00} in payments. Please see the attached XXXX tax exemption. XXXX XXXX  tax department has declared we received the money and their was not a request to send it back. We are asking the the escrow and tax department  request the amount back and refunds back to the account ASAP. This loan will be a part of federal employee 's loan profile and paid through a system. However, it has to be transfer first!
Consumer complaint received 2018-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (CO)

I borrowed {$1000.00} from XXXX in XXXX. I have paid over {$2000.00} so far at every other week payments of over {$340.00}. They also made the payments due before paydays and refused to change it after sending in paystubs. They also would not let me pay off early. The interest charged would have cost me over {$6900.00} to complete. They are not licensed in the state of Colorado and the interest rate is outrageous. I closed my bank account and told them I am done paying as I feel paying over {$1000.00} in interest is sufficient. They are threatening to sue me and ruin my credit by putting it into collections on all three agencies. Thank you!
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems (NJ)

CRS Debt collection of XXXX Texas keeps calling myself, my job and my family members up to 5 times a day. They claim I owe money from some kind of loan from 2009. They tell me someone is coming to arrest me, and use abusive language. I have no idea what the loan is for, and they keep calling my place of unemployment and family members over and over. The person today told me to be quiet and listen to him that I am going to get arrested.
Consumer complaint received 2018-10-26
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: AMERICAN EXPRESS COMPANY (AZ)

I initially contacted American Express on XX/XX/XXXX for charges that occurred on my account XX/XX/XXXX. The reason for the delay was because I had to make sure that I tried everything possible to make this plan that I signed up for work. The charge was for XXXX XXXX for a XXXXXXXX XXXX XXXX how to sell on XXXX. Well, I received some of the training and had use of their website, etc., but it was not the " we will help you succeed '' tools that I paid for. On XX/XX/XXXX I try to contact the company and the phone message states that the company is temporarily closed. I called someone I had met at training and they tell me the FTC has filed a complaint. 
XX/XX/XXXX I file a compliant with AmEx with the fraud department stating that I had been a victim of fraud, that I did not get all the services I paid for. On XX/XX/XXXX I got an email stating I had a message at AMEX they had closed my dispute and did not give me a reason. I opened another on XX/XX/XXXX again this dispute was closed in XXXX, but I misunderstood, I thought they were awarding me the $ but they actually put the charge back on. They said it was because they had sent me an email asking for additional information, which I did not get. I told them I would have happily sent them the required information. So, on XX/XX/XXXX opened again and got the phone # to upload my documents which I did on XX/XX/XXXX. So, now on XX/XX/XXXX I get an email telling me it's closed again and I'm responsible for the charge and again no explanation why. XX/XX/XXXX I Call and talk to a rep and he says I was denied because I said it was fraud and it wasn't, I agreed to the charge. Which I did and that if I would have said I didn't receive the items then I would have gotten some of my money back. I told him in the documents I sent it states clearly that I didn't receive a lot of the items and I mentioned which ones. Well, he said you listed it as fraud and not missing items and therefore it was denied. I asked why if in my explanation I state I did not receive certain items that it could have been researched that way and he said because I selected the fraud button. I told him that the other selection was did not receive merchandise and that was incorrect because I did receive some. I can't believe that I would lose all that money over semantics. I was trying to be honest, I did receive some merchandise but not all. Now he states it's too late for me to do anything, even though I started it back in XXXX. 
XXXX XXXX have been charged with fraud and been ordered to pay {$10.00} XXXX out. I have filed a claim with the FTC but it could be years if anything comes from it, in the meantime I have a credit debt with nothing to show for it. Thanks for your time.
Consumer complaint received 2019-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I had defaulted on one student loan with the Higher Education Student Assistance Authority in XXXX but have consistently made a loan payment to them for over 8 months. However, on XX/XX/XXXX, I filed chapter XXXX in the state of NJ, docket # XXXX and I am currently under protection of the automatic stay but I continued to make a payment of {$120.00} in the month of XXXX but did not for XX/XX/XXXX because I had no obligation to as a result of the chapter XXXX filing. I called HESAA several times and gave them the docket filing number, I also faxed them proof of filing twice and I also emailed them. They consistently deny being notified by myself and the bankruptcy court of the filing though the phone conversations where I state this fact are recorded with each call. On XX/XX/XXXX, I received a letter from HESAA from XXXX XXXX that they have cancelled my repayment arrangement which has been in place up until I filed chapter XXXX, I made a promised payment every month and they are choosing to violate the automatic stay and cancel my repayment arrangement which was in place prior to filing chapter XXXX. They are in violation of the automatic bankruptcy stay in pursuing collection activity against me and cancelling my repayment arrangement prior to the chapter XXXX discharge though I also told them I would be resuming payments after the discharge occurs.
Consumer complaint received 2018-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I have using XXXX XXXX  to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to XXXX 's. Lenders are not interested in helping me get pre-qualified now. 

An XXXX representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report. 

Experian cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

XXXX shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

Ive disputed this collection with Alexander Rose Association and all credit bureaus it was deleted then added back to one or more of my credit reports. Ive asked company to remove as Ive never did business with this company. Alexander Rose Association sent me a computer print of of some documents saying that I responsible for this debt. Ive spoke to the credit bureaus today which advised me to file a police report because Ive been a victim of identity theft before.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.
Consumer complaint received 2018-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (WA)

They increased my student loan interest rate, nearly doubling it. This happened in XX/XX/2018. They have been contacted and informed of the increase. They have given no reason for the increase. And they have opened a case to recalculation the student loan interest rate. But they have yet to correct the student loan interest rate to the right percentage.
Consumer complaint received 2019-07-12
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. (IL)

I froze my credit account 2 years ago, with all 6 major Credit Bureaus, ( Equifax, XXXX, XXXX, XXXX, XXXX, and XXXX ). When I attempted to unfreeze them, most went right through. 

However EQUIFAX after having stated that the freeze was lifted, continues to report to my creditors that my credit is frozen. They report to me that it is lifted, and that no fraud alerts or any other blocks are in place, but tell XXXX XXXX and XXXX XXXX XXXX XXXX, I am frozen which is costing me a lot of money in extra fees. 

Please help ASAP!
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have an open account with Capital One. I am trying to rebuild credit, but for the last 2 months the card has stopped reporting to all three repositories. 

I have contacted Capital One, but I just get sent to a CSR in another country who does not understand what I am asking about.

I want Capital One to report my open card, as I have paid on time since I opened it a year ago. I dont see why they suddenly stopped.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2018-10-26
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: Experian Information Solutions Inc. (CO)

I have written all three reporting agencies of the incorrect information on my credit report. I have received letters confirming the information is correct, and I supplied documentation that shows it is not correct. Letters were sent out on XX/XX/2018. Return letters were received XX/XX/XXXX and XXXX, 2018. The information of my bankruptcy is stated as confirmed with the United States Bankruptcy Court, I enclosed a letter from the Courts indicating that they do not report this information to credit agencies. As part of my privacy, I believe this information should be deleted from my credit report. I have attached documentation supporting my claim/dispute. Please follow up on this and have the incorrect information removed.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (AZ)

I paid my monthly mortgage XXXX-2017, I added XXXX to be applied to my principal. They used my money for two future mortgage payments till XX/XX/XXXX, I called, the girl no understand English, I do n't speak XXXX
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

I paid them back in XXXX in the amount of {$200.00}. om XX/XX/XXXX and then a payment XXXX XXXX after that I have not heard from them, then anther company called to try and collect on that same account and I told them I paid Diversified and Im not paying anyone else no more money on this account. so I have not heard from no one else since then. Then I pulled my credit as I do every year and Noticed that Diversified was reporting on my account in XXXX again after being deleted in XXXX. So I too action to dispute this account with all 3 credit bureaus one bureau has taken action however XXXX and XXXX I have been battling with them for 7 months with this. one account As well as sending a letter to DCI. get a letter from them that they no longer handle the account that it was returned to XXXX. after talking with sprint they have no knowledge of it, however I noticed that the agency Reference number changed. But its the exact same account the reference number they sent to the letter that they no longer handle account is the old account that I had paid them for now they trying to collect on same account with a different Reference number. 
They are trying to get paid off same account twice and Im a single mother living pay check to pay check trying to fix my credit and this company has made it a job stressing me out raising my XXXX XXXX the more.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

MY XXXX rewards master card was charge doff and settled with XXXX, but XXXX converted the card to XXXX XXXX/XXXX XXXX XXXX and sold to XXXX XXXX XXXX XXXX. The account number is XXXX it has been settled and should be reporting a balance of XXXX but still reporting status as a bad debt and in collection on Equifax. The balance is being reported as {$2.00} even though the account has been legally settled. XXXX XXXX XXXX   XXXX.Has reported inaccurate information on my credit report and I want it fixed.This account has been settled on XX/XX/2018 for {$1500.00}. Wrong account status, show it is in collection with a balance when it has been settled and legally paid in full.