davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This complaint is being filed as TransUnion continues to list an error in my TransUnion credit report. This is my 3rd time disputing this account with TransUnion. However, despite what court documents that I send them, TransUnion will not correct my credit report. Here is identifying information about me : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Credit Report Number : XXXX Errorenous Account on Credit Report : XXXX ( Account # XXXX ) Transunion is listing XXXX ( Account # XXXX ) as an account that was " included in Chapter XXXX bankruptcy ''. I have never had proceedings for a Chapter XXXX bankruptcy. The XXXX account was sold to XXXX and, as you can see from the attached forms from the Trustee regarding my Chapter XXXX bankruptcy, that account is currently being paid in my Chapter XXXX bankruptcy. It has been paid on since XX/XX/XXXX ( when I filed Chapter XXXX bankruptcy ). Citing the Fair Credit Reporting Act, I am asking that Transunion removes this erroneous information from my TransUnion Credit Report.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I contacted navient to to inquire about being able to lower my payment since I also have several'other student loans in repayment. They refuse to help me and say there is nothing they can do. Even after I tell them how much student loan debt I have they still state they can not help me in any way.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I just checked my credit report and found some very disturbing things on it. I found XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account and I never heard of them. 15 USC 1681 Section 602A, 15 USC 1681 Section 604A and 15 USC 1692C are all protecting my rights as a consumer. I would like my account to be cleared of these bogus accounts.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending (FL)

I took out a Genesis loan to cover my last semester of my XXXX degree with XXXX University. I do not currently have a job and keep telling Genesis that but they continue to call me daily, badgering me to pay my loan. It is very annoying.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for ALLY FINANCIAL to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filing this complaint because XXXX has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I asked XXXX follow up question to their response, but they sent me a general answer that does not clarify any of my question. I need them to please clarify the following : XXXX - They noted that I am on the exceptional discretionary forbearance through XX/XX/year> because I requested the XXXX XXXX against Repayment Discharge. And, If I want to benefit for the interest subsidy for the XXXX Plan, the account would need to be in the repayment status and that I have the option to request the forbearance be removed but the request must be in writing. What they did not clarify is whether I can go back on the " exceptional discretionary forbearance through XX/XX/year> '' if I change my mind after going into repayment. And if so, will something in writing suffice again. I want to make sure that I would not have to resubmit my application for XXXX XXXX. I need confirmation. 

XXXX - Is it possible for my loan to go into repayment any time before XXXX/XXXX if for some reason the XXXX XXXX against XXXX XXXX is addressed before that and they determine that my loan is not fully discharged? I need confirmation. 

XXXX - I need confirmation on how many newly eligible months payments have been made on my account? I want to calculate how many remaining months of payments I need to make before discharge if for some reason the XXXX XXXX either does not forgive in full or in part. I need this answered.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Neon Newco Corporation (IN)

I received a Netspend Mastercard in the mail. I never applied for this. Since then my checking/Debit Card and XXXX Credit Card has been hacked. I tried calling the phone numbers for this Netspend but have been unable to get in contact with anyone for further information. I do not and did not open this accout.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hard inquiry on my credit report on or about XXXX/XXXX/15. I was contacted by creditor XXXX XXXX about pending application that was fraudulent and they closed the account. I 've filed XXXX disputes with XXXX and Transunion and XXXX XXXX had submitted information on 3 different occasions. Each time I '' m contact back about the dispute I 'm informed that the inquiry is legitimate because they are looking at my actual account opened with XXXX XXXX, not the inquiry for the fraudulent account and refuses to remove the hard inquiry from my credit report. I 've also submitted documentation of the closed account due to fraud each time. I was informed the first document was not received and the second time I was told the inquiry was legitimate due to my active account. This process has been taking place for almost a year.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for mortgage assistance in XX/XX/2016. At that time I sent in all the documentation and since then have been waiting for a reply. On XX/XX/XXXX I received a notice of intent to accelerate my loan even though I was current. The bank has misapplied funds in more than one case and keeps on calling me late. 

It is very difficult to pay my mortgage. The bank has now given me bad credit by misapplying my payments and accelerating my mortgage.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

ChexSystems has negative information that is impacting my credit score and I'm trying to dispute it but they are using inaccurate information for the security questions, because I have been dealing with fraud and identity theft for about a year. They told me I would have to call the company about that.
Consumer complaint received 2016-04-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XXXX XXXX I went to a Bank of America branch in XXXX, Oregon to order new checks from the bank manager XXXX XXXX. On XXXX XXXX I ran out checks and I still did not receive my new checks. I called the customer service to inquire, they said no checks were ordered on XXXX XXXX. I was disappointed and went to ask the manager why he did not order the checks and told him he lied to me. He insisted that he ordered them, we had an argument and suddenly he said " Do you want to hit me? We can settle this outside if you want! '' I was surprised a bank manager would threaten a customer. I ask him to give me the name and tel # of his superior, he angrily tossed a business card of XXXX XXXX, Senior Vice President, Operations Market Manager. I called this person and complained to him what kind of maltreatment I received from XXXX XXXX. He said he would call him and get back to me, he never called me back. I called another operations manager, XXXX XXXX XXXX and also complained to her, she also did not call me back. I believe they are covering up for their fellow co-worker. I have been a Bank of America customer since 1968 and I never experienced such humiliation and verbal abuse from a bank manager. This person definitely needs an anger management counseling. Contact info re : these bank officials : 1. XXXX XXXX, Financial Center XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX ; tel ( XXXX ) XXXX ext XXXX ; fax- ( XXXX ) XXXX ; email : XXXXXXXXXXXX 2. XXXX XXXX, Senior Vice President, Operations Market Manager,XXXX XXXX XXXX, XXXX XXXX , XXXX ; tel ( XXXX ) XXXX ; fax ( XXXX ) XXXX ; Cell ( XXXX ) XXXX : 3. XXXX XXXX XXXX, Senior Vice President, Operations Market Manager, XXXX XXXX XXXX, XXXX XXXX, XXXX ; tel ( XXXX ) XXXX ; email : XXXXXXXXXXXX
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Louisiana Recovery Services Inc. (TX)

I received a letter for Louisiana Recovery Services , Inc. in reference to a debt from a company called XXXX XXXX XXXX in the amount of {$260.00} with a date of XXXX/XXXX/2005. I have tried communicating with them to provide me with a copy of this bill ( 3 attempts ). I have XXXX over due medical bills with them which I have agreed to pay but they refuse to provide me with a receipt showing payment. The company is as follows : Louisiana Recover Services, IncXXXX XXXX XXXX, XXXX XXXX, LA XXXX ( XXXX ) XXXX
Consumer complaint received 2015-05-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northeast Collection Bureau (ND)

I keep getting a class from a number who says I owe a debt for a bank account. When I tried finding out information about the debt the man that I spoke to was rude and literally hung up on me, all he said is it was a bank account and would n't give me any details as far as amounts. A few days later I received another call and was hung up on because I explained I was n't comfortable giving out my personal information ( including my social security ). They refused to give me any information, including giving me their mailing address to verify that they are a legit organization so I can verify if the debt was mine. 

I tried researching them to on-line and I was n't able to find anything based on the phone number they called from.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a DUPLICATE Report and this not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : US DEP ED Account Name : Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MD)

PayPal 's customer service line is closed and has been closed for couple months. I am trying to resolve a refund issue with PayPal without any ability to contact them. They claim the chat feature will help with this, but it's an automated system that doesn't resolve the issue. The issue I'm having is that I closed a bank account which I used to make a purchase using paypal. I made returns to XXXX  's and they issued a refund to me through PayPal ( which is correct ) on XX/XX/XXXX, which in return should go back to my bank account. my bank didn't receive it because it had been closed prior to the refund. I called and verified that my old bank didn't receive it. I called XXXX 's who said the refunds haven't been rejected back to them. They claim they don't see any refunds back to them and that the refund is with PayPal, yet there is no way to reach a live paypal agent to resolve this issue. It's been 2 months without any success in reaching PayPal. XXXX XXXX is unable to issue a refund to a different account per their policy, so now I am stuck with PayPal having my refund amount with no way to reach them.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Case Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete for Violation
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AZ)

When trying to make a payment or get in contact with someone it is nearly impossible. The past two years Navient has not posted my payment to my account on time and it has been reported to the credit bureaus as being late or not received at all. They will then proceed to call and harass me for payment. Navient has beyond damaged my credit score.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted Transunion via telephone on XXXX XXXX. Talking to the customer service rep to have them remove an OBSOLETE account- XXXX XXXX XXXX # XXXX is showing as account paid in full WAS a charge off. The date of first default on that account was XX/XX/XXXX. They were not helpful and trying to tell me date of last default was XX/XX/XXXX. I called Transunion again yesterday, and they also agreed that an account that old should be removed and it looked odd, but could n't remove it. I am requesting they remove it now. This is violation!
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA did not post my payment correctly in XXXX of 2011. This resulted in me being labeled as delinquent. They then posted me as delinquent for the next 8 months as 60-89 days late. They refused to speak with me on the matter. This has had a tremendous negative effect on my credit score.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (MO)

Hello CFPB, My name is XXXX and I have a credit card with JP Morgan Chase ( Account number : XXXX ). I paid my entire credit card balance off on the XX/XX/XXXX statement due date of XX/XX/XXXX. JP Morgan Chase still charged me {$68.00} in interest on XX/XX/XXXX. I called JP Morgan Chase Credit Card customer service and spoke with a young lady who was very friendly. She acknowledged I had paid my entire credit card balance in full by the due date, and should not have been charged interest when the credit card is paid in full by the statement date. When I asked her to give me the mathematical breakdown of my account balance to explain why I was charged {$68.00}, she gave me a vague explanation full of obfuscation. While she was nice I realized she would be no help in resolving this matter. Please have JP Morgan Chase refund the {$68.00} they unfairly charged my account.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX XXXX, 2015, my commercial bank XXXX confirmed electronic payment to my Barclaycard MasterCard in the sum of {$10000.00}. It was, however, made to my former Barclaycard account. I spoke with Barclaycard ( some XXXX call center ) who claimed to have opened a " case '' on the matter but have not heard anything despite the fact that my XXXX banker also confirmed the payment with Barclaycard directly. Essentially, we have a missing {$10000.00}.
Consumer complaint received 2015-10-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC (WI)

I paid this loan off in XXXX 2015. They processed a payment after the loan was taken out. I asked for a refund of the payment. I ended up receiving the refund through XXXX XXXX XXXX. I have spoken to several different people and even sent my banking statement showing I never received a refund from them. The refuse to clear the account and it is negatively affecting my credit. I was hung up on 3 times while calling to speak to someone. I have someone arguing with me after I sent in the documentation of the what she asked. I would like this situation resolved immediately.
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Someone opened a Bank Of America credit card in my name, fraudulently, on XXXX/XXXX/XXXX, maintained the account for four months in order to increase the credit limit, ran up a {$5500.00} bill in the interim, and then stopped paying, after which Bank Of America promptly closed the account on XXXX/XXXX/XXXX. 

According to XXXX, " According to our records, on XXXX/XXXX/XXXX Bank of America # XXXX was deleted from your XXXX credit report per the police report you provided. On the same day, Bank of America was notified the account was deleted. However, on XXXX/XXXX/XXXX, Bank of America reinserted the account to your credit report ''. 

I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & Bank of America refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. 

I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response,
Consumer complaint received 2022-02-08
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: Merchants and Medical Credit Corporation, Inc. (MI)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX and XXXX are reporting inaccurate information on M & M CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Also, I tried contacting the XXXX and XXXX Credit Bureaus to request a complete payment history with this account for me to review the exact date on which the collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

We got behind on our mortgage, tried to do a loan modification, kept getting different information from the very many different people we had to talk to. Assigned a customer relations manager that we never got to talk to. Paperwork was mishandled until it got so close they did n't postpone the sale date. Even though underwriters got the paperwork and assigned a code saying it was all correct the day before the sale, they still did n't postpone the sale.