davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (VA)

I signed a rental agreement from XX/XX/XXXX until XX/XX/XXXX. I had numerous issues with this company from having strange men that supposedly were there to spray for bugs just walk into my home without knocking or announcing themselves. When this happened I requested to have someone contact me from corporate which never happened at this time i made it very clear that I would not be signing another lease. In XXXX I went to the leasing office again explained My current landlord would be sending over a rental verification because I was not renewing the lease and could they fax it back This was on XX/XX/XXXX. My new landlord advised that she never received the verification so I went back to the leasing office gave the young lady that sits by the door the documentation stating I would be out by XX/XX/XXXX. She stated she would resend the verification to my new landlord but of course they did not I had to go back and forth to this leasing office until XX/XX/XXXX and stand in front of the woman that claims to be a manager but is extremely nasty and watch her fax it while I stayed on the phone with my new landlord. AT this time I advised and asked do I need to do anything else with yall to make sure im in good standing with you all. She said I was all set just turn in my key which I did on XX/XX/XXXX. Mind u I moved out on XX/XX/XXXX and also paid the rent that was owed. Maintenance and everyone in that office was aware I was moving. I have copies of documents provided to me by the apartment complex showing where all payments were up to date as well as my current bank statements. I never once signed a new lease and my rent was XXXX and that simply doesn't add up to over XXXX dollars owed to them not when i have proof they were paid out. On top of that I never got my security deposit back either. I was told by others in the building that XXXX XXXX XXXX will just continue billing u each month even when they should not be which is obvious in my case because there was no damage no stains on the floor no holes in the wall or anything just an empty apartment when I turned my key in. I have made several attempts to call them since then and I get no response. I call and call and nothing. Even the collection agency that I realized they used to add this to my credit just sends u to voice-mail. This was the absolute worst experience dealing with these people
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IQOR US INC (CO)

I got a call from Allied Interstate LLC. Asking to get set up on payment plans for my Federal Student Loan. I was told that the payments I made go directly to my Student Loan. I started making payments of $ XXXX per check twice a month. As my pay scale increased over the years so did the amount that was taken out. At the highest I had {$250.00} twice a month taken out. After XXXX years of it coming out of my checking account it came to about $ XXXX {$28000.00}. I have called Allied Interstate company several times and was told that they no longer hold the account, and that they couldnt tell me the total that I had been applied to the Dept of Education. Other times I had called the phone would just ring then end the call. At one point they had a message on it saying if we had an account with them they no longer hold it and we need to contact the Dept of Education. Once I call the Dept of Education they reported to me that I had not paid a cent on the loan. I asked how could that be as I had it taken out of my checking account for XXXX years. I went on to Allied Interstate web page only to find that they are a third party which is what they told me. But I was told it was all being applied to my student loan. My loan was {$41000.00}. I paid it every 2 weeks from my payroll checking account. Dept of Ed informs me that they dont use a third party to collect student loans. This started in XXXX. Please help me get my money back from Allied Interstate Company. Thank You
Consumer complaint received 2019-09-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

This Mortgage company raised my mortgage XXXX When asked why they stated because my taxes increased as well as my homeowners insurance. Which both are correct. They then directed us to lower our homeowners insurance and this will get our payments back down, so we did just that only to receive a XXXX decrease. When asked how did they come up with the outcome to raise our mortgage from XXXX to XXXX they cant give a definite answer. When sked to speak to the person that perfume the analysis they stated that they don't take calls. I am a veteran and I find it extremely disheartening to have fought for my country to only end up being literally robbed of my hard earned money.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX XXXX reported that Chase JPMCB reported that I paid off an account in settlement for less than full balance. That never happened. I called Chase and they said that the account was closed with a XXXX balance and they do not show that I paid in settlement, which was the truth, but the credit bureau says that Chase is reporting to them that it was paid in settlement which did not happen. Chase tells me on the phone when I talk to their credit reporting department ( 3 times, every XXXX weeks ) that they, Chase, are not reporting it that way and that it is XXXX 's error, not their error. XXXX says it is done automatically and although I have disputed it XXXX times through the XXXX automatic system that Chase reports back the same error. This account was never in default or paid late and it was normally closed after the balance had been paid. There is no documentation that anyone has to show other than I paid it in full every month then closed the account ending in XXXX on XX/XX/XXXX with a XXXX balance. I have this in writing from Chase dated XX/XX/XXXX. The credit bureau refused to accept the letter I send them and Chase refuses to send them an elevated letter claiming I did not pay this in settlement and that it was closed with a XXXX balance and NO SETTLEMENT was involved EVER.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I disputed a charge from XXXX rental with Bank Of America several weeks ago. I first called XXXX XXXX XXXX XXXX, FL and spoke with XXXX who said that when the car was returned they found that I returned the car with fruit on the consult of the car and not washed when you returned. This is a complete lie as the rental was returned clean both inside and out. I was told by Bank of America that I would receive provisional credit within 10 days. Upon checking on my provisional credit a few days ago I spoke with a representative who said the same thing happened to her when she rented a car at XXXX they charged her a ridiculous {$400.00} plus fee and she returned the car Clean the Bank of America representative also informed me that she would ensure that I receive my money back because she understands the frustration being that she When do the same thing with XXXX being dishonest. Two days later I call and Bank of America notified me that they close the dispute because they said I never sent them any documentation. First I was never notified by Bank of America via letter or conversation to send them documentation or pictures of the rental. When I went to get proof from XXXX according to their document they do not have the photos to share and they were not willing to provide any information. Bank Of America is in Violation of the truth and lending act. I feel discriminated against by Bank of America because I am on Social Security XXXX and they refused to help me.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been a SunTrust mortgage client for almost 7 years and was looking to refinance my loan to get a lower rate. I thought my years of on time payments and 800+ credit score would make this process easy, boy was I wrong. They changed documentation requirements several times due to Covid ...? When I finally got feed up and started looking around it turns out that I was able to get much better terms, APR 2.776 vs. 3.125 on 30 year refinance. Once I notified SunTrust that I was using another lender they issued a " statement of credit denial '' due to inability to verify income. I am retired and can make my income whatever I need to. They would not return calls or e-mails. I will payoff this SunTrust this week and will never do business with this organization again.
Consumer complaint received 2021-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (LA)

I made a extra payment to ally on XX/XX/2021 after I made payment needed on the XXXX XXXX. Ive called and requested for a refund on the same day, was told that I would be getting it but when I called again on XXXX XXXX I was told I was denied. Ive gotten hung up on, placed on hold for two hours waiting for a department that was closed but I wasnt informed by the representative. Was told the check was sent by mail them was told it was sent electronically. Then found out that it was sent to the wrong account and had to be processed again. Now Im still waiting for my refund and they are still giving me the run around. They said it was received by the third party but who knows what now.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Revenue, Inc. (TX)

I frequented XXXX XXXX College in XXXX for just one semester and took some credits for XXXX  XXXX. I paid for all classes I took of course for that semester. 

On or around XX/XX/XXXX, 5 years later, My XXXX and XXXX shows a derogatory remark from Eastern Revenue Inc for a collection of {$820.00}. 

Eastern Revenue , Inc : XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, ( XXXX ) XXXX I had never received mail or call from Eastern Revenue Inc before about the debt. I disputed the debt with the bureaus, called and asked Eastern Revenue Inc to provide proof of the debt. They sent a screenshot of a screen with my name and some itemized item, looking like a quote. But no receipt, no statement of debt, no college course I took and I did not pay for ... They have not validated the debt with a proof. But they refused, after almost 3 months, to remove the derogatory remarks. Eastern Revenue Inc told me they have asked XXXX for proof, but they can not get it yet, and that I should probably try with the College.
Consumer complaint received 2018-11-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CA)

I obtain ownership by grant deed of my address which is XXXX XXXX XXXX XXXX XXXX California before obtaining his property I went down to XXXX they said it was no leans no loans owed that was ever recorded against the property even with the previous owners the previous owner XXXX XXXX and XXXX XXXX which XXXX XXXX is deceased he has been deceased since XXXX XXXX late last year in XXXX Miss XXXX XXXX won a settlement against Ocwen loan servicing of its long and mortgage practices by the bureau the state of California XXXX XXXX XXXX XXXX and in XXXX of XXXX is when I gain ownership by grant deed of the property. 

Recently I was aware that the property has been sold on XX/XX/XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX mortgage servicing and I have several documents which is from XXXX courthouse for notice of vacate stating that my property was sold. I found a cp10 form writ of possession and included my documentation stating that I was done. The only owner of this property XX/XX/XXXX at XXXX XXXX which I was given a court date XX/XX/XXXX. XXXX. When I appeared on this date the judge neither called my name and it was my documentation that I filed for the writ of possession cp10 form instead he called XXXX XXXX  and XXXX and XXXX XXXX which XXXX XXXX is deceased when I approach the bench to notify the judge that I was the owner and I filed for this writ of possession the judge was angry and said where is the bank yelling where is the bank he kept yelling I said I'm the one filing this motion your honor he said what documentation what proof do I have of ownership once I showed him the ownership he proceeded to do an illegal motion on the bank 's behalf which is illegal cuz the bank wasn't even there I also notified the state of California XXXX XXXX XXXX XXXX and I am seeking other legal services at this time to correct this mistake I have documentation paperwork of everything that I'm saying is true and the person that XXXX XXXX  use to file a writ of possession for {$10000.00} for rent fees wish this never been a rented property they used a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX I ALSO TRIED CALLING AND THIS COMPANY NUMBER IS NO LONGER IN SERVICE TO MY KNOWLEDGE I'M THINKING THAT THESE PEOPLE ARE TRYING TO STEAL MY PROPERTY AND MANIPULATING THE COURTS TO DO IT PLEASE HELP AT YOUR EARLIEST CONVENIENCE THANK YOU XXXX XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Hello - I've been disputing the following below items with the bureaus and they all remain on there in violation of the Comprehensive Credit Act of 2020, Section 401. I've sent them multiple letters. No collection should remain without a contract. Same goes for inquiries as well. I have no authorization/contracts for such. There should not be any late payments either for accounts that I've paid in full, i've already discussed with them about this. 

XXXX XXXX XXXX {$4300.00} - Closed & paid in full never late ( unverified late markings ) XXXX potentially negative months XXXX XXXX - Inquiry Unauthorized Inquiry from XX/XX/XXXX XXXX XXXX XXXX - XXXX, debt buyer??? 
Opened XX/XX/XXXX {$290.00} XXXX XXXX XXXX - unauthorized inquiry Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - unauthorized inquiry Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2022-07-26
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. (CA)

Company is TransUnion. We tried to apply for a lease with XXXX. They use this service. We were told that we couldn't get the lease because TransUnion said we had no credit history. This is not true. I logged on to their website. The only information available were for accounts and mortgages we had paid off. There was no detail. There was no history of our credit card payments which is excellent. We have XXXX XXXX XXXX via XXXX. You have to have at least a XXXX credit rating to get the cards. 

There were no details about the mortgages we have had - always paid on time. We feel as if we are being punished for paying off debt. 

This company is painfully lacking information that should be the credit reports. 

Terrible!!!
Consumer complaint received 2019-09-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

BOA lack of due diligence to consummate a foreclosure in a timely manner on a property that has been vacate for 6 years. As a result this prolonged process is impeding my ability to progress in life and purchase a new home. The property has been vacant for 6 years and neither borrower has contested or taken steps to keep the home. BOA filed a judicial foreclosure in which the process is longer. A non judicial foreclosure would have settle this matter sooner when the initial foreclosure was filed in XX/XX/XXXX. 

XX/XX/XXXX - Last mortgage pymt made. 
XX/XX/XXXX - Separated from co-borrower, moved from the property and notified Bank Of America the property was vacant. 
XX/XX/XXXX - Foreclosure letter received from Bank of America XX/XX/XXXX - BOA substitution of deed request for foreclosure proceedings XX/XX/XXXX - File for divorce XX/XX/XXXX - Divorce finalized XXXX XXXX I filed chXXXX bankruptcy which included BOA XX/XX/XXXX - chXXXX discharge XX/XX/XXXX - Quit Claim deed file on property XXXX XXXX notice of default filed XX/XX/XXXX - Consent order of Judgement XX/XX/XXXX - Judgement for a Judicial foreclosure XX/XX/XXXX - No further actions have been taken and the foreclosure has not been consummated.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a credit card from Capital One for rebuilding credit last XX/XX/XXXX. I made every monthly payment either a larger payment than the minimum or just the minimum days before the due date. I 've had this card for 11 months and they reported my balance and payment history or so I 'm told. I recently applied for another card and was denied for no credit history. My credit score is a XXXX. I got this card to help my credit score it has not! either the credit card company is not reporting correctly or the reporting companies are not reporting correctly. Either way ... me the consumer is negatively and unfairly effected. The purpose of this card that I got 11 months ago was to help my credit score. This is not correct or fair to do to anyone let alone a single woman that was lied to by a large company just to make a dollar .I do not want to involve the press or a third party, but I will if I have to.
Consumer complaint received 2023-03-25
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. (FL)

TRANSUNION, XXXXXXXX XXXX XXXXXXXX HAS INFOMATION ON MY CREDIT REPORT THATS NOT MINE AND THEY REFUSE TO REMOVE AND DELETE.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc. (AZ)

There is XXXX debt owed to XXXX XXXX XXXX XXXX. ( The " Defendant '' has changed their name 4 times in attempts to commit blatant fraud ). JUDGEMENT was XX/XX/XXXX and was PAID IN FULL XX/XX/XXXX via XXXX XXXX. all evidence attached. XXXX retaliated AFTER FINAL JUDGEMENT and submitted a FALSE and FRAUDULENT " bill '' to Collection AFTER XX/XX/XXXX. There were NO DAMAGES as they indicate. ( Evidence submitted here and to Court, document dated XX/XX/XXXX which proves that XXXX handed over rental property to myself in complete disarray and full of damages, as noted in detail by renter, myself. These damage, as per " FAKE BILL '' submitted XXXX is totally fabricated as these damages done BEFORE I moved in. This bill is FRAUD and made-up in complete retaliation. CEASE AND DESIST and REMOVE FROM MY CREDIT IMMEDIATELY. There was rent due ONLY which was PAID IN FULL as per attached, yet they put in the rent yet again onto this invoice to collection. SUM PAID IN FULL
Consumer complaint received 2019-09-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.