davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I was advised to send this message to you to open a formal complaint concerning violations of VA policies governing the VA loan program by VA venders.

I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as XXXX XXXX the current holder of the 40 year fix, XXXX XXXX, and USAA, to refinance the 40 year fix into a VA 15 year fix or 30 years fix I filled out an application with USSA and provided them with my personal information including my social security number. I received a call from USAA stating they where not refinancing veterans conventional loans to a VA guarantee loans. USAA stated they were only refinancing VA loans for veterans who have a VA guarantee loan or veterans who are purchasing for the first time. USAA is currently in violation of the TILA-RRSP because USAA received all 6 pieces of information from  the application. 

USAA representative who identified himself as XXXX / XXXX, stated the VA authorized the Venders to put a moratorium on veterans who were trying to refinance from a conventional loan into a VA guarantee loan USAA may also be in violation because I filed out an application relinquishing my SS number. 

I received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 
I contacted the Department of veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated the USAA was in violation of VA policies and that their action could violate their VA venders status. 
She suggested I contact USAA and conduct a three way conversation with the VA to resolve the issue. I contacted USAA today and spoke to  XXXX XXXX # XXXX she stated her company was investigating my complaint but refused to conduct a conference call or go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies.
Consumer complaint received 2017-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To Whom It May Concern, I am filing this formal complaint because I feel that XXXX and now SPS are not honoring their part of the agreement with the government. I have been trying to get a loan modification for a year now. During that time XXXX and now SPS has put me through a ridiculous ordeal. I have a legitimate reason for hardship. My wife lost her job a few years ago. I lost my job a year and a half ago and the job that replaced it pays much less. I also had to take care of my elderly parents and help them with their medical bills. I believe that these lenders illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 54.29 % of my gross monthly income. If that is not considered a hardship by XXXX and SPS, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated prior to 2009 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that XXXX XXXX  is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. I have been trying for a year without any sort of progress. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. Im not asking for charity, I just want what is fair and right. From what I understand XXXX XXXX took millions from the government, but they are not helping the people that legitimately deserve it.. Please, please, please help me save my home.
Sincerely, XXXX XXXX  Phone XXXX XXXX XXXX XXXX , XXXX, CA XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Without consent.

15 U.S. Code 1681q - Obtaining information under false pretenses An action to enforce any liability created under this subchapter may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a follow up on my earlier complaint # XXXX. I was overbilled by a lawyer and I disputed the charge. At the last moment, I got a letter from the bank after almost a month of filing the dispute informing me I only had about four days to get back to them with my defense, or the dispute would be cancelled. I rushed around trying to get it to them, and they said I missed the deadline. I called them and disputed the timeline, and filed a complaint with you the CFPB and then I got phone calls, and they credited my account. I re-sent the documentation. A month went by, and I got another letter informing me to submit more documentation defending my claim. I faxed it via my local branch at XXXX Bank of America in XXXX on XX/XX/XXXX, and also sent the documentation to them. Saturday, XX/XX/XXXX I checked my account and found that the charge had been added. 

I jumped through all their hoops, and sent the documentation, and right now I have been on hold for 40 minutes. We have a lot of money in their bank, and I can't believe how I am being treated, still getting the runaround after all my patience doing whatever they asked. They wasted my time jumping through all their hoops, and didn't even bother sending me a letter explaining why my dispute was turned down. I'm not using their credit card anymore, I'm sick of Bank of America and the disrespectful way they have been treating me.
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

Fed Loan Servicing is my lender or I thought they were my lender. This company solicited me online and I electronically signed documents online. Needless to say, I discovered that they are a third party and that all the payments I made never reached my loan! I called them to request a copy of my promissory note and they told me that they received a certification from the original lender about the amount due. I then sent them a debt validation letter via certified mail on   XXXX   XXXX  , 2017, formally requesting the promissory note so that I can determine the amounts due, the interest rate used to calculate the amounts, etc. Till this date, I have not received any documents from this company regarding the promissory note and/or payoff they must have received from the original lender. It is impossible I owe the amount they state. I need to see my original promissory note and all subsequent notes and/or forbearance paperwork. I need to calculate the amount owed myself. I am an   XXXX   and my  XXXX  have  XXXX . I have been working in the   XXXX   field for twenty years.
Consumer complaint received 2023-01-28
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)

XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$9000.00} Account : ( Addressed situation to company. Company insisted they file a dispute to credit bureau : XXXX upon my behalf ) Party Owed : XXXX XXXX XXXX Amount : {$890.00} ACCOUNT : DID NOT DISCLOSE ACCOUNT NUMBER Party Owed : XXXX XXXX XXXX Amount : {$590.00} ACCOUNT : UNABLE TO OBTAIN BECAUSE OF PHONE SCREENING AND RESULTS IN PHONE CALL MANIPULATION TO PARTNERS PHONE NUMBERS WHOSE BUSINESS ALIKE I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Sincerely,
Consumer complaint received 2020-09-17
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$800.00}
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

I have been an American Express card holder since 1991. One of their cards I carry is the Platinum Card, with the five last digits XXXX. This card offers " Membership Rewards '' points. As I type this I see XXXX points available in my account. I tried to transfer XXXX XXXX of those points to XXXX, the airplane carrier, through the " transfer points '' option. The system did not allow me to transfer the points, even though that is less than 3 % of my balance. Instead, I get the following message which I will quote verbatim : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria ''. 

I have over 30 years of relationship with American Express. To the best of my knowledge I have given them no reason to freeze or withhold my points through these decades. I ask your help to make my points free for use again.
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

This company is reporting what I believe to be a medical debt according to my credit reports - the same debt is listed 6 times. This debt does not belong to me - I contacted the company and they refused to assist with removing from my credit report.
Consumer complaint received 2023-01-27
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: Bread Financial Holdings, Inc. (WV)

There is a account from Victoria secret thats has been on my report for years I never in my life have opened any account with them like never Ive never even been into a Victoria secret XXXX nothing I have no idea how this got on my credit Ive been working hard to build my credit go form nothing and just recently it took XXXX off of my score and complete put a lot of plans I had in motion on hold and Im furious because Ive disputed this again and again and now its hurt me at a critical time XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

I need to send the paperwork showing that Im XXXX and the judge dated it since XXXX ; but I shouldnt be receiving calls everyday or every other day if no one has to pay until XXXX. Theyre saying my payments are late. They shouldnt call me until XXXX. I just printed my letter from the Social Security website and will be sending it. Navient doesnt leave a message and shouldnt be calling until XXXX. Theyve called me six times since XX/XX/XXXX.
Consumer complaint received 2021-08-10
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 (PA)

The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-01-28
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. (SC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX Balance : {$7100.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$540.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX : {$1000.00} ; XXXXXXXX XXXX ( Original Creditor  XXXX XXXX BANK ) XXXX : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXXXXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have made several unsuccessful disputing attempts with Transunion to correct the XXXX inaccurate reported XXXX days late payment reported on my consumer credit report on XX/XX/XXXX to change to paid on time. Account was paid on time for XX/XX/XXXX and closed in XX/XX/XXXX in a paid as agreed status. 

XXXX has correctly reported the XXXX account as paid as agreed, but Transunion has not, which is an inaccuracy that Transunion has not resolved. 
I have requested that Transunion update my consumer credit report to show the account has been paid on time without any late payments, with the closed status should be updated to paid as agreed per the FCRA.
Consumer complaint received 2021-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (GA)

I try to create an online account to be able to pay, look at options, budget, and ultimately keep track of it wont allow me or say there are no loans attached to my name I have emailed IT multiple times and have called the branch a million times but still NO ACCOUNT Im not gon na pay until this is fixed Im tired of being runaround and still after 4 months HAVE NO ONLINE ACCOUNT TO MANAGE MY LOAN ugh pics below after I log in ugh
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Early Warning Services, LLC (TX)

I wanted to opt out of reporting for Early Warning Services. They informed me that I was not allowed to opt out as they had a right to release my consumer report to whoever asks for it. This is a direct violation of the Fair Credit Reporting Act. Pursuant to 15 USC 6802, it is my right, not a privilege to opt out of any reporting agency. Early Warning Services is violating my rights.
Consumer complaint received 2020-09-17
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6700.00}
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an online approval for a Capital One credit card. To activate the card the sticker gave instructions to download and app and the with one click, the card would be activated. For others they gave a URL that was incorrect. When we find the right page for the Capital One website we are told to call Capital One to activate the call. When we call Capital One we are then told to give them a cell phone number on a smartphone and with one click the activation process would be completed. Without a cell phone, we are told to we muct submit documentation : Have a camera that connects to the internet, have a scanner or a printer to mail the documentation or have sufficient broadband to upload photos of the documentation. Then we are told to wait an indefinate period of time to hear from them if the card can be used. 
This is after we have given all our personal information and identifiers during the application process and after the card has been approved. 
Essentially these type of practices discriminate against people without smartphones, cameras with internet connections, printer and scanner, and broadband internet access.. This discriminates against the elderly, disabled, people living in rural areas and others..