davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I contacted Transunion to express concern about a judgment that has been placed on my credit report ( XXXX ) According to the XXXX XXXX Court, the judgment is from XXXX and the plaintiff is XXXX XXXX. I explained to the representative that they are reporting the wrong persons information and they told me they cant remove it and that it is up to XXXX to remove the error. I further explained that they have the wrong persons information attached to my report and they did not seem concerned about the fact that a judgement has been placed on my credit file in error, which has caused major damage to my credit score. I need for the erroneous information to be removed from my credit report immediately.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (PA)

Bank 's on-line statement says I have money currently available, but the bank denied my request for a XXXX transaction increase to my debit card maximum daily limit ( well within my checking account balance -- approximately XXXX % ), because the funds were " available '' but not " collected. '' This is inconsistent statements appearing on the Bank 's website.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (PA)

I called Equifax on XX/XX/2023, I advised them that there were student loans reporting on my report that had been closed over 10 years. I advised them to remove the student loans that had been closed over 10 years. On XX/XX/2023 they updated the information on the closed accounts to report for another 10 years. Which means these closed accounts would report for a total of 20 years. The loans were with : ( XXXX ) US Department of Education/ XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX ) Department Of Education/ XXXX XXXX XXXX XXXX There are a total of 10 closed accounts being reported inaccurately. These accounts need to be removed, they are causing a hardship on me and making it very difficult for me to get funding for a home.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am XXXX Veteran and I reported all my award letter information XXXX. I spoke with them and was told that they told TransUnion that my student loans had been discharged to Zero balance due to my XXXX veteran status. TransUnion did several investigations and refuse to remove the student loans from my credit report XXXX. I can not make purchases of a new car or home due to these erroneous items still being listed on my credit report thus lowering my score significantly.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several items on my credit reports that have been disputed with XXXX, XXXX, and Transunion. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the originalcreditor directly.Iam concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report.Irequested an investigation because Ifelt the items were not being reported legally.Ihave since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3.XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- # XXXX 10. XXXX- # XXXX 11. XXXX/XXXX ) XXXX- # XXXX
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank calls my business line almost every week ( sometimes more, sometimes less -- twice in a day occasionally ) looking for a XXXX XXXX, or Accounts Payable, at XXXX XXXX XXXX XXXX. They simply have the wrong number. I tell them my own name and the company 's name and tell them it does not match who/where they are calling. They have repeatedly said they will remove my number from their list, yet they never fail to call again and ask for XXXX XXXX. I have even told them a quick XXXX search will give them the contact information for the company & person they are looking for ; that I could even give it to them myself. They said they can not do that, say they will remove me, and call back again. Sometimes, they even acknowledge that there is indeed a " do not call '' note in their system, but " thought [ they ] would try anyway. " I have also contacted them via XXXX ( since obviously phone conversations were doing nothing ). They apologized and said the number has now been removed completely. Apparently, that was a lie, as I received another call one week later. This is harassment and is disrupting our place of business.
Consumer complaint received 2016-08-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

yes ally bank was suppose too 2 weels ago send me forms in the mail for deffered car payment???? they are giving me therun around????? they were suppose too also fax theforms too??? plussend regular mail?????? very upset lied too????
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX ss # XXXX dob XXXX Inaccurate Reporting of XXXX XXXX in bankruptcy on my report A XXXX bankruptcy must be listed accurately in my credit report. 

the Dates and court numbers the high balance and the payments are incorrect I demand you show me the following Method of Verification : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the information.
Consumer complaint received 2015-09-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

Paramount Recovery Systems has put amounts of money owed, but I have no idea who they are or representing. These items are duplicated and triplicated on my credit reports. These amounts 1st appeared on my reports in XX/XX/XXXX, and now they appear as XX/XX/XXXX. These are the account numbers : XXXX {$38.00} ; XXXX {$56.00} ; {$330.00} ; {$330.00} ; {$220.00} ; {$280.00} ; {$280.00} ; {$220.00} ; {$220.00} ; {$120.00}. I have tried to get these items removed from my credit reports without success. I really need your assistance with this matter
Consumer complaint received 2016-08-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (TN)

I would like to lodge a complaint regarding Selene Finance, to whom my mortgage with XXXX XXXX XXXX was sold. My payment in XXXX XXXX was 'credited wrong ' and took three phone calls and a letter to resolve. In the interim, the missed payment was reported to the credit bureau, and still, after establishing that it was paid, shows up as 'unknown '. This month, I called in my payment four days before it was due, and today, a week later, nothing has been debited from my checking account nor posted to my account on their website. Upon calling them, my call from XXXX is recorded to make the XXXX payment, but 'does n't look like it was completed '. I asked if it were submitted again today if it would show up as being paid last week as requested on the first phone call, and was told that no, it would be credited with today 's date. 
Additionally, I have completed a Chapter XXXX, which was discharged in XXXX XXXX. The mortgage was paid outside of the bankruptcy and no payments since its inception in XXXX have ever been late. Selene will disclose no information to me because 'it 's handled by the bankruptcy department ' and needs to be requested by my lawyer. 
I now have no confidence whatsoever that payments made on time will be credited properly, and as the Chapter XXXX has been closed, I would have to re-engage the lawyer for communications regarding a mortgage that was never part of the bankruptcy to begin with. " Losing '' two payments in less than two years is ridiculous and I feel I have no recourse.
Consumer complaint received 2015-12-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc. (TX)

Under Texas Finance Code 392.202 for debt validation I have had my rights as a Texas consumer violated and ignored. I sent State Collection Services a debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in XXXX ways. XXXX, for ignoring my request, and XXXX, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus ( XXXX, XXXX and XXXX ). There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by State Collection Services and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you
Consumer complaint received 2016-01-17
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (GA)

I called XXXX XXXX in reference to transaction from XXXX XXXX XXXX for XXXX wanted this returned to account for no services provided and they Blocked my card and living I the bought new card ending XXXX and tried activating but Netspend told me to email verification ID. Social security card. XXXX bills and I did 10 times to XXXXXXXXXXXX spoke to several foreign degrading reps then. @ XXXX XXXX XXXX XXXX advise they have email.but I will only have unlimited use and I ca n't transfer money from blocked card ending XXXX. This Is only financial Institutions in united states that is treating consumers like this and the Government Needs to shut them.down!
Consumer complaint received 2016-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (GA)

I had a XXXX XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be XXXX less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with XXXX because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to XXXX in my dispute that if XXXX has it closed that they should be reporting the same. In fact, XXXX removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.
Consumer complaint received 2016-07-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (LA)

XXXX XXXX sued us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the first suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see cfpb complaints # XXXX against the second collection agency and # XXXX against XXXX XXXX ).
Consumer complaint received 2015-04-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I recently filed for Chapter XXXX Bankruptcy and the Bankruptcy discharge was received on XXXX/XXXX/XXXX. My home mortgage was not included in the Bankruptcy and was not discharged. A reaffirmation agreement was not submitted for the home mortgage as it was our primary and only residence and we were not required to re affirm the home mortgage debt. I have had the mortgage/loan since XXXX XXXX, have never been late and never missed a payment. Since filing for bankruptcy in XXXX XXXX my mortgage lender has stopped sending monthly statements. After the discharge was received the mortgage company refused to submit my monthly statements. I have called 3 times since XXXX XXXX XXXX requesting to have my statements mailed and the mortgage company has refused to do so. The mortgage company stated if I do not submit a re affirmation agreement for the loan they would not report the on time payments to the credit bureaus and would not submit monthly statements. The bankruptcy has been completed, the discharge has been received and the mortgage company refused to send me monthly statements.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I submitted a formal complaint against Ditech in regards to XXXX program and I supplied all information that they asked, which was proof of my 1st lien being modified under the XXXX and other document that support the XXXX modification. Ditech did n't consider my information that I supplied and replied that XXXX XXXX XXXX XXXX XXXX did n't reported my 1st mortgage being modified under the XXXX. Therefore, Ditech refused to consider reviewing my loan for the XXXX because of the negligence of XXXX XXXX reporting information about XXXX program. I believe Ditech is not servicing my appropriately and they are hinder me from receiving my opportunity to government assistance program in reference to my account.
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (NY)

This collection agency is unable to determine the validity of this debt. contacted original creditor to no avail and the collection agency ( Debt Recovery Solutions ) can not provide any proof as to the validity of this debt. I have no idea what this debt is. this debt has also been disputed several times with all XXXX bureaus to no avail. this tells me that the reporting agency is able to provide some sort of validity to which i would like to review myself.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I schedule my XXXX mother 's bill payments to be " delivered by '' a certain date and her bank, Bank of America/XXXX, bank consistently sends them late, leading her to incur interest charges and fees. It 's not as if it 's a single credit card company that is failing to timely credit the payment on the other end. It happens with all of her cards and the language on the B of A/XXXX bill pay website clearly says, " deliver by '' and asks you to confirm that date twice before sending the payment ; yet, it arrives late.
Consumer complaint received 2016-02-01
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION (IA)

I applied for a bar study loan with Sallie Mae, the representative ran my credit report and stated that I qualified based on the information in my credit file however because I did n't have a job offer yet, he could not approve me. I have a non-traditional name and I believe that the representative knew that I was not XXXX based on my name and used that to discriminate against me. I know several people who have been approved for the same loan who did not have a job lined up at the time of their approval. I attended XXXX University in XXXX XXXX, Iowa.
Consumer complaint received 2015-07-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have a XXXX private loans that belonged to XXXX XXXX, now Navient. I did not pay them for atleast 2 years due to being unemployed and financial hardship XX/XX/XXXX-XX/XX/XXXX. I started paying them 2 years ago ( XX/XX/XXXX ), was put into a rehabilitation program for my Federal Loans and passed through it. My private loans, however, still say that I 'm 19 payments behind and are in collection on my credit report. I have called Navient numberous times to try to settle my judgement on one of the private loans and to set monthly installments to settle the other debt. They only say to " keep doing what I 'm doing. '' and that I 'm in good withstanding. This is saying one thing to me, but on the reports, they are destroying me!
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against ( Transunion ) Credit Bureau
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I have been dealing with Ocwen loan services on my mortgage. When I modified my loan back in 2010 I made XXXX separate payments of {$20000.00} totaling $ XXXX. They lost all records of this and now forced me into an arm loan that I was not aware of and my payment has gone up {$1000.00} more a month. I can not afford this and I have lived here for 13+ years. I have tried working with Ocwen but their only option is another modification that will force me to open another 30 year loan and add on more interest. I am disgusted with their work ethics. Not one person there will answer my questions but everything is scripted answers. When they sent me the agreement in 2010 that was filed electronically I specifically said and to the rep and they agreed my payment would stay at {$2200.00} for the life of the loan. It has not and has increased 2 different times
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA Banking has violated the terms of my credit card agreement with me by refusing to carry forward a balance on their " pay-ahead '' program. I paid {$1400.00} on my account, and it should have been carried forward to count against a minimum payment on my most recent statement. 

Here is the text of the portion of the terms of my credit card account : " Pay-Ahead Program : The Minimum Payment as calculated above is your Regular Minimum Payment. If your Account is eligible for our Pay-Ahead Program and is in good standing, when you pay more than the Regular Minimum Payment, we may, at our option, permit you to skip some or all of your next two Regular Minimum Payments. When this occurs, we continue to calculate your Regular Minimum Payment, however the amount of the minimum payment due displayed on the first page of your bill, on usaa.com, and on our phone systems is reduced by the amount you may skip. The full Regular Minimum Payment amount is always shown in the Important Account Information section of your bill. Remember Finance Charges will continue to accrue in accordance with the Terms of this Agreement. You may opt out of the Pay-Ahead Program at any time by calling us at XXXX ( XXXX ). ''
Consumer complaint received 2015-11-09
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: DHI Mortgage Company (FL)

A VA funding fee was financed into my loan amount, without an option to pay the closing funding fee paid at closing. The seller were to pay all closing costs. Case in point : Escrow funds were not paid by seller, until I inquired and requested the funds for the escrow shortages, of which I still have a deficit. Other issues are now under investigation, concerning the payments paid at closing.