davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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)

In accordance with the Fair Credit Report Act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that i have the right to privacy, 15 U.S.C. 1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without written instructions or consent.
Consumer complaint received 2015-07-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NM)

Green Tree Servicing LLC, has issued a summons for Lawsuit, Pettion for Writ of Replevin and Complaint for Money Due. 
I have been Unemployed for XXXX months past due. I have reciently found Part time work at XXXX. I will now be able to make payments. I have made approximetely XXXX monthly payments of XXXX out of XXXX scheduled. 
I have tried to reach Plaintif for Loss Mitigation Package but there has been no responce.
Consumer complaint received 2024-02-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (AR)

Upstart keep taking additional payments from my account without authorization. I am getting fees raked up from my bank and from Upstart. Upstart is actually charging me when I return an unauthorized payment. My bank charges me XXXX $ for each one then Upstart charges me. I have had other bills return because of Upstart. I get on and make my regular payment and I will look at future payment to make sure there is no pending payments with Upstart so I make my payment, but the next day Upstart send their unauthorized payment through with the one I make. They are so sneaky. You never know when a random payment will come out. I have had to put stop pays on, which cost me XXXX XXXX Upstart will send that same payment through and but for a different amount, with their XXXX $ fee added on, which they shouldnt even be charging me since it unauthorized in the first place. Right now as we speak i just made a XXXX $ payment. Well there is an additional XXXX $ payment coming out from Upstart that not showing in my Upstart account as a payment and not as a credit in my Upstart account, why are they being so sneaky? So if this payment clears and i dont pay an additional XXXX $ for a stop pay, it will put me XXXX payment ahead. This it totally unfair.
Consumer complaint received 2023-04-14
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. (ND)

When I check my credit report those account violate my right I never deal or sign any document With those company In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, those accounts for transunion XXXX and XXXX. Account that need to be deleted and investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do not have any account or business with those information or
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MA)

My XXXX and I opened a checking account at a Chase Bank branch in XXXX, AZ on XX/XX/2022. ( We recently bought a winter home in Arizona ). The account was opened with a personal check from a friend. About XXXX week later my XXXX personally deposited a rather large check. A day later my XXXX personally deposited another check. We subsequently received a letter in the mail dated XX/XX/2022 saying that they blocked the account and it was soon going to be closed. We went to the same branch where we opened the account and have been making deposits and they said it was because XXXX of the checks was made out to a trust. While we were there, at the banks request, we had a copy of that trust emailed to the bank. The bank ( er ) was satisfied with that and asked that we give them a few days to get the account cleared up. We called the bank yesterday, XX/XX/2022, to be sure everything was taken care of. We were told that no, our account had been closed. We said then that we wanted our money ( approximately {$150000.00} ) and they said they would have to send a check. They now say that they can not do that because they are questioning the original check with which we opened the account ( only about {$1500.00} ). They say they need to talk to the person who wrote the check but that they would need to call him. We provided the bank with his XXXX telephone numbers but they came back and said that they couldnt find that those phone numbers were associated with him and that he would need to personally go into a Chase Bank branch. However, he lives in XXXX XXXX, IA where there are no Chase banks. We are left with really no solution from them and we cant get our money. By the way, all the funds long ago cleared.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MS)

IT seems that Synchrony Bank reduced my credit limit from {$3500.00} to {$2100.00} on XX/XX/year> even though I have never been late with a payment with this account, have always paid on time, It is unsecured as well. This account was opened several years ago XXXX a " perfect paying '' record and is current..I have many credit cards that are in good standing and current and there shouldn't be any reason why my credit limit on this particular account should be decreased, if anything it should be increased back up to the limit is was before it was changed as I have stated, I have a good paying record. IF it is because of a problem I am having with another creditor listed on my credit report, well, that has nothing to do with my paying " this account '' every month when there is something owed on it. IT is " unfair '' to target this account because of non=current problems with other creditors cause this account ending in XXXX is current and always has been. Now, If the account wasn't current, then I can understand decreasing the credit limit or even closing it per issuers credit card agreement... I think it is " unfair '' / '' unreasonable '' under the Fair Credit Protection Act to decrease the credit limit based on another creditors listing, since this account has already been open for some time if it is decreased because of another creditors notes or delinquency well, " That '' doesn't have anything to do with " THIS '' account.Synchrony Bank should only be concerned with the monthly payments on this account ending in XXXX and not others that don't " have anything to do with this account. I think it is a " retaliatory '' measure against me for filing multiple complaints against Synchrony Bank for regarding multiple credit cards accounts I have with synchrony Bank.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello, the bank I opened an account with is chase bank, which is a checking account. This account was closed on XX/XX/2021. It has been more than a year so far, but I have not received the balance in my account. From XX/XX/2021, I will contact the bank 's customer service by phone every week, but The bank 's reply has been to make me wait and say that there will be a result next week, but so far, the bank 's reply has always been unclear. And they said i need to contact asset recovery department at Chase Bank, but there no phone number listed.
Consumer complaint received 2019-02-27
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: Experian Information Solutions Inc. (FL)

I have contacted this bureau a few times in the last 90 days on XX/XX/ and XX/XX/XXXX.  Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and XXXX XXXX XXXX which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the first delinquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The seven years has now past, and I have disputed the information with all XXXX credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the first delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Please Help Me!! 

Equifax XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2017-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I have written Merchants Credit Guide on   XXXX   after noticing them reporting on my credit report without my authorization or permission not did I ever receive any letters from  XXXX  erchants Credit Guide n otifying me of this alleged debt they claim I owe. I know they received the letter as I sent it Certified Mail with Return Receipt and they received it on  XX/XX/XXXX , copy of letter and return receipt is attached. I demand they provide " Verification '' documents, which should include a signature, and verify this per the FDCPA and FCRA.
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

This particular debt was added to my credit report  XXXX   XXXX . I was unaware of this debt until I started working to rebuild my credit in  XXXX  when I noticed it for the first time only credit report. I have contacte d National Credit Systems multipl e times to verify this account and have never received a written notice that this debt belongs to me. They have nothing with my signature proving that I went into contract with them, and what they continue to do is remove the account from my credit reports, and then add it back. They continue to open and close this account and place it in various areas of my credit profile. They are harassing me and negatively affecting m y credit score  by removing and replacing this same item on my credit profile.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Started refinancing XX/XX/2020 finalized in XX/XX/2020, took 5 months terrible service by Loan Depot , very unclear through process, requested documents already sent, when asking for clarification received no response 3 times .Never even talked to my rep XXXX XXXX during process.Finally came time to sign with notary, took 4 times. ( notary did not receive documents, wasted 4 days, when contacting Loan Depot received no response ) It was over 4 months of missteps by them, isupplied everything asked for promptly.I was going to end process out of frustration but as they correctly informed me I'd have to start process with someone else all over.I just wanted to get over with! 
My reason for this letter however is because after loan went through I received a bill for {$1700.00} from my XXXX  XXXX XXXX insurance which was to be includes in my escrow account which affects my monthly payment. I sent them all documents including XXXX homeowners, XX/XX/XXXX homeowners and taxes. I was shocked to find out my monthly payment had not included this this {$140.00} more per month.I reached out promptly to Loan Depot 3 times with detailed emails ( they do not return calls ) I ended up paying {$1700.00} as would expire otherwise .I now have an extra {$140.00} a month for the life of this loan..I suggested they lower my rate in letter or some form of compensation for there unprofessional mistake .Sincerely, XXXX XXXX
Consumer complaint received 2016-08-24
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (IN)

I tried to get a refinance home loan from Royal United Mortgage XX/XX/XXXX. It was a VA refinance home loan. There was a problem with the VA that I did not know about. XXXX XXXX was the guy I was working with. He called me told me about the problem. I was scheduled for an appraisal that day. I asked him if he had cancelled the appraisal he said he did. They showed up at my house. I had them do the appraisal because XXXX XXXX told me he could get me another refinance loan. I called him after the appraisal was completed told him it had been done so we could go forward. He never returned my call or my text messages. When he first called me that day he talked nasty to me and told me that it was about time I finally remembered I should have told him earlier. I told him the only I remembered was the date he had given me I did not know about the problem with the VA. He has never returned my calls or text messages to help me get another refinance. I am out {$400.00} to these people. I got my home refinanced somewhere else I had to pay for another appraisal. These people will not return my calls or texts or emails. I also emailed the headquarters in XXXX. This guy is in Illinois. My credit score is XXXX. When XXXX emailed me the paperwork from the VA I called them was told I owed about {$23000.00}. But I could get a VA loan if I wanted more money. I do n't want to do that. Continued to try to contact XXXX XXXX and Royal United Mortgage headquarters. No answer. These people owe me {$400.00}. Was wondering if you could please help me XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-04
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

since XX/XX/XXXX I have a loan with Capital one auto finance, and it's being never being reported from the credit bureaus, I contact Capital One Auto Finance over the phone innumerous times but no resolution, I sent them letters and the last one when requested more evidence was sent on XX/XX/XXXX, and have not answers from Capital one since them. 
This is giving me problem to login on my IRS account and my SSN account since they use our loans to verify identity, The only one Capital One auto Finance had report was the enquiry when I was buying a car.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this account 4 times with TransUnion mentioning to them that this account has a closed date of XXXX/XXXX/XXXX and a last payment of XXXX/XXXX/XXXX according to the state of CA statute of limitations this account should be removed from my report 7 years from the date of first delinquency. I called TransUnion they say the date of first delinquency on file is in XXXX which makes no sense because if the date of the last payement was XXXX/XXXX/XXXX then the date of first delincquency should be XXXX/XXXX/XXXX OR XXXX/XXXX/XXXX somewhere around there. I have also called XXXX about this account and right away they tell me before I am able to say anything that this account may be not be within the statute of limitations anymore and that any payments to the account may restart that time frame and asks right away if I would like to make a payment. I told them the reason for my call was to get information on the account ( ie statments, letters, anything ) they tell me that they can not send or see any information on the account they can only apply a payment to the account.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Talbot, Adams, & Moore, Inc. (TX)

Attempted to contact collections company to settle or pay debt. Found the following information that the collection company is Inactive Status listing all contacts below and request Immediate Removal from All Credit Reporting Bureaus I have attempted to contact Talbott, Adams & Moore to set-up a settlement on your behalf however we contacted the following numbers below and discovered the company is Inactive. We also found them on a rip-off report site. https : XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX Not to mention on the Credit Report they are not listed as a Creditor with contact information! 
Main Data Company Name Talbott , Adams & Moore , Inc. 
Company type XXXX XXXX XXXX XXXX TX XXXX number XXXX XXXX XXXX XXXX Company Status Inactive Agent Talbott , Adams & Moore , Inc . Description Talbott , Adams & Moore , Inc. is a company started on XXXX and registered under ID XXXX. Employer Identification Number ( EIN ) / Tax ID of this company is XXXX. This business is listed as a Foreign Profit Corporation. 

Talbott, Adams & Moore , Inc. has two directors. They are : XXXX XXXX, XXXX XXXX. 

Talbott, Adams & Moore , Inc. agent is XXXX XXXX XXXX XXXX. This agent address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX.
Consumer complaint received 2017-05-01
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: Experian Information Solutions Inc. (AR)

I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. O n   XXXX   XXXX  2017  the d ispute was initiated an d on   XXXX   XXXX  2017  th e investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.
Consumer complaint received 2015-08-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

My loan servicer, formerly XXXX XXXX, now Navient, has provided false and misleading information regarding a co-signor release option for my private student loans for the University XXXX XXXX, XXXX XXXX XXXX XXXX, located in XXXX, CO. I have called into Navient XXXX times over the past XXXX months to inquire about their co-signor release program. Each time the representative I speak with informs me of a different set of criteria that applies to their co-signor release program. Some have stated after XXXX-year of on-time, principal and interest payments a co-signor " will '' be released, others state it is XXXX years, or XXXX months, or that the co-signor must " apply '' and there is no guarantee they will be released. The variance in information has gone so far to also state that a co-signor release program does not exist. I have requested documentation numerous times, and it either has failed to arrive via mail as indicated, or I have been told there is no documentation on file.
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

Allied collections continues to report an {$88.00} debt to equifax despite the fact that I paid the original creditor, XXXX XXXX. XXXX XXXX has provided proof of payment and attempted to contact Allied. I have contacted them and provided proof as well. I have disputed the collection through equifax multiple times and had it removed, however Allied continues to report it and it shows back up on my report.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NY)

I did receive a tax reduction from NY State as well as RoundPoint Mortgage. It has been more than 3 months since I was told ; that they have to run an escrow analyses. Until now nothing is being done meanwhile, my Mortgage remain the same.