davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2019-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

I first obtained loans while attending undergrad at the University of XXXX and continued in XXXX   school at XXXX State University. I ended up with over {$40000.00} in student loan debt. After I graduated with my XXXX XXXX  in XXXX I looked into the Federal Loan Forgiveness Program because I knew I was going to be working for the federal government. I had a couple of seasonal positions with the government and then became full-time permanent with the XXXX XXXX XXXX XXXX in XX/XX/XXXX. I called my loan servicer in XXXX and inquired about the forgiveness program and I thought I was in. I continuously called periodically year after year finding out that I was not, and felt assured ( by the end of the phone call ) by the loan servicer employee that I was finally in and making qualified payments each time I called, every year. I called Fedloan Servicing earlier this year and they said I would be able to get all of my previous payments from when I started as a federal government employee in XXXX to become qualified payments, once I made 120 payments and by filling out a form associated with qualifying back payments. I made another call this week and spoke to a supervisor with Fedloan and he said I will not get any of those years prior to XX/XX/XXXX qualified toward the 120 month payments because qualifying back payments can no longer occur. I feel I have been lied to over and over, and I definitely would not have had my student debt with Fedloan if I would have known this corruption was going and its affect on me. I have been making monthly payments in higher amounts than I wanted to with the income driven repayment program, and I feel that I should be nearing the time when my loans should be forgiven, had the first and subsequent ( many ) loan servicer employees told me the truth. Fedloan said they are just following the policies set forth given to them by the Department of Education, however it took almost 10 years for them to figure it out to some degree causing damage to me, at my expense. I want my student loans forgiven and my payments to be counted as qualified payments from the time I obtained permanent employment with the federal government from XXXX, as I was told from the beginning from the loan company!
Consumer complaint received 2018-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Toledo, Inc. (OH)

Finance systems of Toledo keep trying to collect two {$50.00} amounts and one {$120.00} dollars amount that's not mine. I have asked for a itemized statement and they won't provide it. I understand the amount is small but it's not mine I'm sure it would be easier to just pay it but that's not right!
Consumer complaint received 2019-08-02
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: Experian Information Solutions Inc. (FL)

Although they continue to ask us to sign in they have prohibited us from accessing their data base and cancelled my wife 's free account- XXXX XXXX please review your XXXX XXXX  file There's been a change to your Experian credit file. 
Click for details
Consumer complaint received 2019-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Radius Global Solutions LLC (OR)

Getting calls from Radius Global Solutions impostor about a $ XXXX student loan through XXXX XXXX that I don't have/never took out. Called Radius Global Solutions HQ in XXXX PA XXXX, they don't have record of me by SS # or phone # in their system. 

The calls are coming from XXXX, most recently today at XXXX.
Consumer complaint received 2019-06-15
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: Experian Information Solutions Inc. (CA)

Experian is not reporting that I have a revolving installment secured XXXX XXXX. I want this problem corrected so that my credit score will reflect as much.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulati on X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (CA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible
Consumer complaint received 2019-08-02
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

i have been filing compaints against Capital One since XX/XX/2019 with CFPB and they have assisted Capital One in violating the Credit Card BIlling Act. I called CFPB states it was referred to OCC. Call OCC they states been referred back to CFPB. Capital One has promised me multiple call back and refunding the {$1000.00} and 7 months later still nothing.I am now submitting a complaint for conflict of interest with CFPB. every agency has assisted this card company in violating my consumer rights and i now want CFPB to refer this to whatever agency regulates CFPB. Capital One billed back this {$1000.00} multiple times after crediting and exceeded the FEDERAL LAWS that allow bill within 2 cycles!!
Consumer complaint received 2019-08-02
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: Experian Information Solutions Inc. (PA)

XXXX XXXX, XXXX, XXXX XXXX XXXX and inquiries that are closed, paid, cancelled or old still remaining in my report. Incorrect middle initial C in my name. My name does not carry a middle initial.
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Contacted Navient on Monday XX/XX/XXXX regarding a payment I mailed on XX/XX/XXXX. The person I spoke with indicated that the payment had not been received and would not be accepted because the payment was mailed to the wrong address/department and that the check would be mailed back to me. I attempted to cancel the first check and mailed a new check to the correct payment address on XX/XX/XXXX. I checked my bank balance on XX/XX/XXXX and noticed that Navient had cashed BOTH checks. I contacted Navient on XX/XX/XXXX regarding the payments and they could or would not provide any details about which checks were cashed or why. I called Navient customer service three times on XX/XX/XXXX regarding the issue and was routed to their fraud department through their customer service number. I waited on hold for over an hour each time to speak with someone from the fraud department, however no one at the Navient fraud department would answer. Also, when I called back the customer service number, I asked if someone would be able to contact me regarding the issue and they indicated no. I 'm not entirely sure what to do at this point.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have contacted XXXX, XXXX and Equifax about false, inaccurate reporting in formation on my credit report. I have sent in multiple certified letters to get this Information removed from my credit report. They have said the information was verified but in accordance with a CFPB complaint I did directly with the reporting company this account is in a cease and desist and should be deleted from my credit report immediately. 


CFPB Complaint Number : XXXX Company 's Response XXXX XXXX XXXX reviewed and investigated the complaint. XXXX XXXX XXXX is a third-party debt collection agency acting on behalf of the original creditor. We did not purchase this debt. According to the original creditor, this is a valid debt. XXXX XXXX XXXX updated XXXX XXXX dispute and notified the credit bureaus as required by law. We requested verification of the debt from the original creditor and will mail a copy to XXXX XXXX upon reception. We updated XXXX XXXX account to cease and desist further communication regarding the matter, pursuant to her request. Aside from mailing her verification of the debt as she requested, XXXX XXXX will not receive further communication from XXXX XXXX XXXX regarding the matter. XXXX XXXX XXXX wants to help bring resolution to this matter. If XXXX XXXX has any questions or concerns, she can contact me directly. My name is XXXX XXXX, I can be reached toll free at XXXX extension XXXX or emailed at XXXX. Thank you for your assistance and resolution regarding the matter.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I received a cash advance from a Capital One credit card. When I paid it off, in full, the next day, on top of the minimum payment due, my payment was not applied to the cash advance balance. I called to get the interest fees waived but they were not able to do so since, in the supervisor 's words, it would be an " exception to company policy '' and the situation did not meet the required " factors '' for a possible exception. 

Having never taken a cash advance before, I spent hours researching the matter and spoke at length with a customer service representative on the phone beforehand to understand how the fees worked and how payments would be allocated. I understood that payments would, after the minimum due, be applied to the balance with the highest interest rate per the Credit Card Act. 

However, my payment was not allocated to the cash advance balance, despite it being the highest interest rate. The reason? The cash advance had not posted yet. I paid the cash advance off the day after receiving it but the advance did not post until two days afterward. Capital One 's position, essentially, is that it was my responsibility to wait until the advance posted so that payments could be allocated towards that balance. Having made the payment too soon, the payment applied to the revolving debt instead and I continued to accrue interest charges on the cash advance for nearly two months. They were not willing to rectify the matter even though the total charges I am asking to be waived were not large. 

I worry that this is an end-run around the Credit Card Act protections, allowing Capital One in this case to extract erroneous fees while hiding behind the consumer 's ignorance of this technicality. Because of the hard line they drew with little empathy or willingness to even attempt to reverse charges, I am left feeling like I will not continue doing business with Capital One if this is how they operate. 

Also, it was alarming to hear the first customer service agent I spoke with state that payments were allocated based on balance and not interest rates. ( He was saying the payment was allocated to the higher balance rather than, as the law requires, to the balance with the higher interest as the law provides ). This is false information that I sincerely hope was a simple mistake and not actual policy/attempt to avoid reversing charges based on made-up rules.
Consumer complaint received 2022-07-01
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. (UT)

This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by XXXX XXXX XXXX. We extended forbearance until it was transferred to XXXX end of XXXX XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DOVENMUEHLE MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX around XXXX I went to an ATM with Chase Bank. I made 1 deposit in total, including a check and cash. The ATM ate my deposit and spit out a receipt with a number on it to call to make sure my deposit went through. I called, and they transferred me to the claim department. I made a claim. At the time, I couldnt remember my exact check amount, I guessed around XXXX for the check, and XXXX in cash that I was positive about. So they made a claim for XXXX. Not long after, my check for XXXX went through. I called them to let them know it went through, but that I was still missing my cash. They said its still under investigation. Time goes by and they put XXXX dollars of temporary credit on my account, on XX/XX/XXXX, while they still investigate. Time goes by, I open a letter on XXXX XXXX that they closed my claim. They took out the full XXXX in temporary credit, without giving me my missing XXXX dollars in cash. I call and they claim they didnt find XXXX dollars in the ATM or any sister ATMs and that they had to deny the claim. I was confused. I deposited my XXXX dollar check along with XXXX in cash. It was two XXXX dollar bills, a XXXX, and three XXXX. I dont understand how XXXX can disappear from the ATM for them to say it wasnt never deposited. I explained to them its not my fault that the ATM ate my cash, and that I shouldnt have to have practically XXXX dollars stolen from me for banking with them. The worker then went on to say if I have any other documentation proving I actually deposited cash along with my check, that they would possibly reopen the claim. What documentation? Its cash. They could even pull up the ATM cameras at the time and see me depositing cash at the exact same time along with my check. The refused to give me my cash back and I have to basically deal with the fact that XXXX was stolen from me from the ATM eating my deposit. I just began banking with them a few months ago and this happens, it is ridiculous.
Consumer complaint received 2019-08-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (GA)

Rise has contacted me 122 times since XX/XX/2019. It is ridiculous since they get payment from me every two weeks. They harassment has to stop. They need to remove me from the auto dial list immediately. When I reject a number they call back from another trunk number.
Consumer complaint received 2019-08-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

We have been making mortgage payments to Shellpoint Mortgage since about XX/XX/XXXX with no problems. Then last year in XXXX ( fall ) we received notification XXXX XXXX XXXX was taking the loan over. At this time, XXXX XXXX XXXX  attached our discharged mortgage to our credit. We completed our complaint with the credit bureaus. Our Mortgage originally with XXXX, taken over by XXXX XXXX XXXX during the " take over '' was discharged in XXXX through bankruptcy court ( see attached ). Meanwhile XXXX XXXX XXXX  failed to pay our property taxes and property insurance. So we made the payments. Normally this is done through our escrow. Shellpoint took the loan back from the lender in XX/XX/XXXX. We made our mortgage payments minus escrow since we paid it already, and were not refunded by XXXX XXXX XXXX. When Shellpoint took the loan back we told them what happened with XXXX XXXX XXXX. When shellpoint took the loan back they also attached the loan to our credit and again we fought to have it removed. We have continuously made our payments minus the escrow. Shellpoint is now filing for foreclosure. We have dealt with customer service, their Escalation department, left voicemails, were told we would get a call back, but have never received any calls. Only documents in the mail letting us know what our payment is. Information we already know. we have completely gone in circles with zero assistance. We filled a complaint with the XXXX and got no where. Why would or should we make a double payment because the lender doesn't communicate with the servicer? Since our loan is discharged we have had nothing but issues! It's been a terrible mess. We were also told that our loan with XXXX was a fraudulent loan. We don't know what else to say other than these two entities are committing fraud. The money we have sent them has not been applied nor does it show on our statements. During this time we also completed a Prop 8 through the county to accurately have our home assessed for property value. This changed the property tax payment amount. Shellpoint and XXXX XXXX XXXX   continued to increase our monthly payments to include an inaccurate escrow amount. They also were adding an excess of over {$3000.00} in escrow for an undisclosed reason. They have not responded as to why they needed to collect an excessive amount in comparison to taxes amount and insurance owed. At this time we are no longer going to send them any money since we don't know where our payments are going. Until we can get this resolved. We also have a re-conveyance for our property and are attaching this as well including the grant deed. 

Shellpoint Mortgage Account # XXXX ( before XXXX XXXX XXXX  took the loan in XXXX ) we had no issues until XXXX XXXX XXXX  came into the picture!! 

XXXX XXXX XXXX Account # XXXX XXXX and XX/XX/XXXX payments attached. 

Shellpoint Mortgage Account # XXXX XXXX XX/XX/XXXX after XXXX XXXX XXXX let them service the loan again since we got the debt removed from our credit )
Consumer complaint received 2019-08-02
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. (NC)

XXXX, Equifax, and XXXX provide free, annual credit reports. However, people on public assistance can get them seemingly anytime. I believe that is discriminatory and unfair to consumers who are not on public assistance. I would like to know how this can be changed.
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2019-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CMRE Financial Services, Inc. (CA)

This debt originated XX/XX/2018 with XXXX XXXX XXXX in XXXX XXXX I submitted my XXXX information as follows XXXX XXXX for payment I also filed for bankruptcy on XX/XX/2018 & included all my debt including all outstanding medical debt which was discharged on XX/XX/2018. Im receiving derogatory collections on my credit bureau reports of this debt from CMRE FINANCIAL SERVICES