davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-03
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. (GA)

I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: JPMORGAN CHASE & CO. (FL)

Company has asked me for sources of income insisting on using student loan money to pay back loans. My understanding is that student loans are under federal jurisdiction and as per stipulations regarding students loans ; Money borrowed can not be used for purposes other than education. I do not believe it is right consciously knowing that it is not allowed that the company is suggesting using these tactics nor are the personnel qualified to make suggestions of that nature.
Consumer complaint received 2022-03-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CT)

I have been in contact with Navy Federal Credit Union for a mortgage payoff for the last couple of weeks because I have a contract with a buyer for my home. The closing date of the contract was for XX/XX/2022. The payoff Navy Federal provided is incorrect. A portion of the payoff belong to HUD/FHA who I will also need a payoff amount from. Unfortunately HUD/FHA can not provide me with a payoff because they stated Navy Federal never sent them the partial claim promissory contract. Until this is corrected the buyers cant close the deal on my house because we can pay HUD/FHA there portion to take the LIen off my house. I have been told I would receive a call back from a supervisor and I havent heard back from nobody at Navy regarding there mess up with the partial claim promissory contract.!
Consumer complaint received 2017-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I qualify for and am enrolled in the Public Services Loan Forgiveness ( PSLF ) Program. In XX/XX/XXXX, I submitted my application through the federal government to have my account changed from an Income Based Repayment ( IBR ) plan to the Pay as you Earn ( PAYE ) plan. My loan servicer, FedLoan Servicing, based in XXXX, PA did not begin processing this request until XX/XX/XXXX at which point it placed my account in forbearance to make the changes to my account. They did not complete the update until XX/XX/XXXX. Because forbearance is not a qualifying status for PSLF, the 3 months that my account was in forbearance do n't count toward the 120 payments, pushing my eligibility date from XX/XX/XXXX to XX/XX/XXXX. 
Under standard repayment, my monthly payment is > {$1200.00} per month, resulting in approximately {$3700.00} additional dollars that I am liable for because of their failure to update my account in a timely manner. Additionally, placing an account in forbearance causes interest to be capitalized, which in my case resulted in {$1700.00} in interest being added to my principle balance.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to fix these problems c redit bureau- My lawyer  and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   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   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (FL)

The XX/XX/2018 I received by US BANK an " Settlement Program Offer ''. 
If I pay {$280.00} the debt of {$1900.00} that I had with them, it is full paid. I received a discount offer of 85 % ( {$1600.00} ), as the letter says sent by US BANK. 
I pay {$280.00} as said the offer in the settlement. US Bank processed the payment and it was successfully. 
When review my credit report, I see that {$280.00} was taked as a payment to the balance and not as a settlement. 
I spoke with US Bank to solve the problem. They were negative and sent me to disputed the problem in the credit bureaus. 
I did the disputes in " XXXX XXXX XXXX ''. Attach the offer letter and the payment voucher, to support my version. 
US Bank responded to the disputes in a mode negative way, and I ratify my payment as a credit, and not as settlement payment. 

Please, help me. 

attached : Settlement Program Offer Autoritation debit by {$280.00}
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (TN)

I talked to XXXX about the XXXX XXXX reporting that they removed the bankruptcy from my record. XXXX  admitted that XXXX XXXX removed it from their file, but they did not explain why they removed it. XXXX  then lied and said that they sent XXXX XXXX to the Bankruptcy Court to verify. XXXX XXXX did not go verify as claimed by XXXX. Yet, XXXX, Equifax and XXXX  still is displaying a bankruptcy. 

In addition, my file is locked with XXXX XXXX and they lawfully can not report anything about me. XXXX  has retaliated and started removing aged good credit history from my report. XXXX XXXX said that XXXX  disputed their entries that onto my credit report as fraud and asked them to remove from my credit report. This action led XXXX XXXX to remove all of my credit history. 

The three credit bureaus are now engaged in racketeering type of activity to keep scores down so that they can gain more money from subprime lenders. They are further being less than honest about companies verifying inaccurate information. 

I would like Consumer Finance to Do its job and regulate these out of control agencies. All three are further preventing new creditors from reporting credit lines during the pandemic so they can further keep scores down so they can profit from sub prime lenders and consumers seeking relied during covid. 
I also disputed some bogus address on equifax that says I lived in Minnesota and they verified it as accurate. I have never been to Minnesota in my life. 

This is exactly how I know that these companies are fixing files to meet their own monetary goals. All 3 companies refuse to investigate inquiries.
Consumer complaint received 2022-03-03
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. (GA)

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2015-05-24
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (TX)

I lost my card ending in XXXX. Western union pp card rep told XXXX I could buy another card at XXXX and attach the card to my XXXX account which has a XXXX monthly fee and overdraft protection. I wanted access tomy account but they said I had to transfer the money and only XXXX a day which I thought was strange since the accounts were to be linked. I then noticed that every time I made a purchase they would charge me XXXX dollar I called back and after being on hold for 45 minutes I was told that my fee plans from the XXXX account was now attached to new card XXXX. I learned the next morning that I was charged another XXXX fee and that I would not be able to access my funds until XXXX XXXX when a replacement card arrives. This is created a hardship for me. If only I was given the correct information then I could have made a more informed choice I feel like western union netspend is taking advantage of me holding my money and XXXX charging me fees. They ensured me the cards linked to my XXXX account and thatmy employer direct deposit would be available on the XXXX card. When I talked to XXXX in escalations she informed me that it was XXXX accounts and all information told to me on the XXXX prior calls was incorrect and all she could do is reprimand the XXXX reps and forward my request to corporate when I said I will file this complaint I am still without access to my money during the holidays when my grandsons are here. I would like my money to be in XXXX and a XXXX fee credit then I will remove my money and seek a more truthful company to handle my money with our hidden and excessive fees and lying customer service representatives and a more caring escalation team providing real customer services keeping the customer satisfaction as a top priority.
Consumer complaint received 2017-06-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (PA)

I bought a   XXXX    XXXX   XXXX  brand new Monday  XXXX   XXXX  off of the   XXXX    XXXX  lot in  XXXX  pa. 4 days later   XXXX   XXXX   XXXX     shortly after fueling the car for the first time the transmission light came on and vehicle stalled on the side  of the road. I called road  side assistance to have the car towed back to the dealership. I attempted contact the dealership while I waited on the tow truck and received terrible customer service. By the time I was connected to  2 diff erent men who claimed to be be the only managers available, I complained that I am upset about receiving a  lemon  vehicle and due to the service I did not want the vehicle. The man who claimed to be a manager offered a loaner car and I inquired if I cld return the vehicle. He said returning the vehicle was not an option for which I replied why not. I advised that I was a licensed mortgage originator and have  10  plus years in the banking industry and know for a fact that I can return the car within a certain time frame due to it being a lemon. He responded that cars are different and proceeded to quote more inaccuracies at which time I ended the call and waited on the tow truck so that I can speak with him in person. I feel this dealership is trying to take advantage of me and possibly take advantage of many people who do n't know their rights.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (TX)

This company has continued harassing me for the past 5 years about some debt that is NOT mine!! They continue putting it on my credit report and is affecting my credit score. I dont owe L J Ross associates a XXXX XXXX. They need to delete this off my credit asap. I am giving them this last chance before I contact an attorney and sue them for all the pain and suffering they are putting me through along with attorney fees.
Consumer complaint received 2019-10-23
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. (IL)

I've contacted Transunion to remove collections on my account that were reported unlawfully use of my SSN. They've failed to remove these inaccuracies multiple times.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I just checked my credit report and looks like I am responsible for a lot of credit card that do not belong to me or have my social security number on file. All those credit card except very few belong to my husband and I am

just authorized user. I do not like a fact credit card companies did that. It is wrong. It is also shows that my oldest credit line is 18 ye
ars old. This is impossible, because I live in USA just 6 years.

I will include copy of my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I thoroughly reviewed again my credit report and I can still see the unverified and fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-03-01
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. (MO)

I've tried to work with TransUnion to remove credit inquiries that doesn't belong to me. It has been almost one full year in labor, in getting these inquiries removed. I have a police report on file and a court order, stating I was a victim of identity theft. I just called them again today, but to no avail. They keep sending out letters to the creditors to remove them the inquiries from my credit file. It has been a complete year now, and the inquiries are still on my credit file. I would like for TransUnion to remove all those inquiries from my credit file, because they do not belong to me.
Consumer complaint received 2024-02-07
Product: Credit reporting 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP (GA)

I've had a checking account with XXXX XXXX in XXXX, Georgia since XXXX of 2017. I've only filed a dispute over a charge I did not recognize once in all that time. I use my debit card a lot because I really don't like to carry cash. XXXX keeps freezing my card without any notice and it makes me feel like they are trying to stop me from using my own money. It's not their money and it's not their right to keep me from using it.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

My wife, XXXX XXXX XXXX, has mortgaged our home to " Chase ''. Property address : XXXX XXXX XXXX, XXXX, Mi XXXX. Chase Loan No. ending in " XXXX '' .Our regular monthly mortgage payment amount is {$410.00}. On or about XXXX XXXX we made the arrangement to have that amount drawn from our " My Personal Credit Union '' checking account, and that arrangement was confirmed with " Chase ''. On or about XXXX XXXX a " Chase '' letter dated XXXX XXXX, 2015 was received by us stating among other things that due to a credit of {$170.00} against our account our payment for the month of XXXX would be {$240.00} ( the basis for the credit was not disclosed ). We thereafter made arrangements with " Chase '' to have that amount withdrawn from our account for the XXXX payment as that letter stated. Thereafter, a letter was received dated XXXX XXXX and another dated XXXX XXXX from " Chase '' stated a payment of {$410.00} would be withdrawn from our bank account for the XXXX payment. We immediately called " Chase '' -spoke to a representative and confirmed the payment of {$240.00} ( confirmation # XXXX. ) We now as of XXXX XXXX XXXX have received credit call from " Chase '' demanding $ XXXXXXXX/and no explanation of the " credit '' disclosed in the verified " Chase '' letter of XXXX. XXXX phone calls to " Chase '' since the XXXX XXXX " draw date '' have accomplished no settlement ; but a repeat of the demand for the Regular monthly payment. We surmise that the " credit '' was a return of Attorney fees assessed against our account for foreclosure actions taken by a law firm in XX/XX/XXXX/XX/XX/XXXX 2015. Undoubtedly Credit Agencies have been informed of a missed monthly mortgage payment for XXXX 2015 with the negative effects thereon. We believe " Chase '' has violated the Fair Debt Collection Act. We want our account audited with a Report issued thereafter and all credits due placed on our mortgage account, credit accounts and payment of any applicable penalties assessed against " Chase '' and in our favor. We have tried to resolve the matters with " Chase '' by phone and have accomplished nothing another than repeats of demands for late payments to be made. Thank you for working your way through the details of this administrative nightmare.
Consumer complaint received 2019-03-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019, I submitted an online dispute with TransUnion regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, TransUnion has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (HI)

I disputed these medical collections account with all 3 credit bureaus, XXXX, XXXX and XXXX, after their investigation XXXX and XXXX deleted this account and found that it wasn't verifiable account # XXXX from Company Aargon Collection Agency XXXX but XXXX found it to be verified and other lies the problem, how did XXXX verify this account without breaking the HIPPA law and my rights, I demand another investigation on what methods and documents and person did Aargon Collection Agency use to verify this account, and if they violated my HIPPA rights to obtain my medical records without my written consent and prove that this account belongs to me, and all balances, dates, are 100 % correct and my name and address and phone number XXXX is correct according to the Identification documents I attached to this complaint or I will take legal action against all parties involved, Thank you for your time.
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc. (DC)

Hello, Thanks a lot for this service. 

I want to file a complaint against Comenity Bank. I opened a XXXX credit card that is operated by Comenity Bank. I never made a transaction with the Credit Card except for the one unfortunate transaction of {$3.00} using this card on XX/XX/2020. Because I had never used this card, I did not remember the transaction. Because of COVID-19 too, I was going through a lot of stress concerning my job. However, my two major cards that I use were paid on time. For that {$3.00} transaction on this card, I was made to pay {$67.00} ( with my transaction and interest compounding every month! ). Throughout the three months that I was being charged with these compounded late fees and interests, I wasn't called once though the Bank had my contact number. I believe as a customer, I had the right to be notified of the late payment before reporting the late payment to the credit bureau. The email address that the Bank had was wrong, so I did not receive any statements if any sent. The late payments were reported to Credit Bureau and my XXXX score has dropped to XXXX because of this disrespectful attitude of the Bank. I got to know of the pending payment through my dropped credit score on XX/XX/XXXX and paid instantly. The account has been paid and closed now but I want to file a complaint against this disrespectful attitude to customers that affected my credit score so much.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

My name is  XXXX   XXXX , and I bought a home in  XXXX  from  XXXX  ndy Mac Bank.  I lost my home to foreclosure in  XXXX . I tried everything possible to save my home, an d Indy Mac Bank denied me a home loan modification. Instead Indy Mac Bank force d a foreclosure on my home and I lost my home in  XXXX . I even filed for bankruptcy on  XXXX  occasions to save my home,  but IndyMac Bank s till forced a foreclosure on my home. The address of the home I lost to foreclosure in  XXXX  was  XXXX   XXXX   XXXX ,  XXXX   XXXX , California  XXXX . I invested a lot of money on this home and I never got a dollar back fro m Indy Mac Bank. They ( Indy Mac Bank/One West Bank ) owe me a lot of money in return for forcing my h ome into foreclosure. Please help me with my compl aint. IndyMac Bank shoul d pay for what they did. Please help me recover some of the money I lost. Thank you for your help.   Sincerely,  XXXX   XXXX