davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

This company is trying to collect funds from me I do not owe I have no idea who and why this company has put this information in my credit report this company has never contacted me nor have I ever has an account with them they have no right to put this account in my credit report. 

This company is a fraud and the account must be removed from my credit report
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My property tax is paid with my mortgage payment via SLS Mortgage - the loan servicer. 

In XX/XX/XXXX, I called SLS Mortgage to find out what the process would be for receiving a refund if I decided to directly pay my 2nd property tax installment by XX/XX/XXXX. I was told that it was a simple process to be reimbursed for the pre-paid property tax ; that I would just need to fax or mail SLS a letter requesting the refund and a receipt from the County proving that I had paid the tax. I was clearly misled when I was told that it would be a simple process back in XXXX. 

Based on what I was led to believe, I prepaid my 2nd property tax installment by XX/XX/XXXX, and did exactly what SLS required in order to receive my refund from the escrow account. On XX/XX/XXXX, I mailed all verification of the paid tax. However, as of today, XX/XX/XXXX, I have NOT received my money back from SLS. 

I have been calling since XXXX, and have been given the run around by various departments at SLS.  I believe that SLS is illegally holding my funds. Please have SLS release my money immediately.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MS)

My lien was paid and released in XXXX 2015, I sent in documentation per the Mississippi Dept of Revenue website that a paid lien can be removed from my credit bureau report. I sent in the lien release form as well as printed documentation from the website and they still refuse to remove the tax lien.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I am a XXXX, which allows me a certain amount of forgiveness if I make 10 years worth of payments on time. In order to make this happen, I was told via phone conversation that I can not refinance my loans because that makes them ineligible to be forgiven. My loans, however, are currently untenable. I make a little over XXXX dollars a month and I pay XXXX dollars in loans monthly. The vast majority of these loans are from Navient. Currently, I 'm taking XXXX courses, so I do n't have to make payments right now. I am making XXXX dollars worth of payment on my navient loans to try to decrease them as much as possible. I would like to feel like a productive and successful member of society. I felt like I did things the " right way. '' I went to school, college, got a job ... I just ca n't help but feel this XXXX that I am never going to get out from under this massive beast of a student loan. Navient 's interests rates are absolutely ridiculous. I want to be a productive member of society that 's able to contribute to the economy, but I find myself struggling to keep my head above water.
Consumer complaint received 2017-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LJ Ross Associates (NJ)

Supposely I owed a Utility Bill of {$100.00} for a home I owned at one time. I did'nt owe it but paid it anyway. I have record of such. It was closed and is still listed on my credit report.
Consumer complaint received 2022-02-08
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian has inaccurate social for me, accounts listed that do not belong to me as well as many addresses. I have disputed with same results as before. I even supplied Experian my personal information which validates they have wrong information. Due to these errors they are hurting my credit score. Please help this is wrong what they do to consumers.
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

this company was a trying to repo the car even though I sent them payments and they they never told me they was reposing the car. They kept all my items in the car and refused to give them to me. They sold the car, they refuse to update the information correctly or remove this off my credit report. They never sent me anything to fill out and they never tried to give me the opportunity to redeem the car back.
Consumer complaint received 2016-08-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

Have made several attempts to get monthly payment lowered due to limited income and being widowed for 2 years with XXXX children and XXXX having XXXX whom I have been staying home with. American education services and XXXX XXXX XXXX have been notified that i am unable to make the minimum monthly payment of $ XXXX and have informed me that there is nothing they can do to lower my payment. I am willing to pay a minimum monthly payment that I can afford since I am aware that I am responsible for this loan but unfortunately the amount they want paid monthly is out of my means. There has to be something that can be done for them to help but they claim there is n't. I do n't want the loan to go into default because again I am willing to pay my payments if they are income based of course but their unwillingness to work with me is extremely frustrating. I am currently getting collection calls for late payments but I 've explained the situation to them as well and we 've also conference called American education services to see if they can work with me but with no success. I have tried to pay what I can afford but the balance is still accumulating and it does n't make any difference to them. I am unsure of what I should do next.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX none of theses accounts have validated the account to belong to me. XXXX have removed theses accounts from there Credit Reporting profile they investigated that the account were not mine
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AR)

I was approved for The XXXX XXXX XXXX Discharge, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX reporting 12 missed payments. 
DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX reporting missed payments. 
XXXX showing XXXX loans with Account Number XXXX reporting missed payments. 
XXXX this account is reporting both open and a collection/charge off which should n't be reporting as both.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a past due balance due on my Kohl 's charge account. I made payment arrangements, and after I made these arrangements, they still have me on their automatic dialer system. They called me 2 different days, even after I told them to stop calling my cell because I already made arrangements, and that I was getting annoyed by these calls.
Consumer complaint received 2023-03-16
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-08
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. (NY)

My name is XXXX XXXX, and I have new information regarding this account. 
I submitted a complaint to the cfpb on XXXX, 2022 and Transunion has still not responded to my complaint. 

Transunion is in Direct violation of my federally protected consumer rights. Transunion has gone over 30 days and I have yet to receive a response from the company. Transunion is in default.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I asked the company ( Bank of America ) not to close my account. I do not want the account to be closed, and I have 100 's of bill payments from my account ending in XXXX at Bank of America. I ask that my account is reinstated and put back in active status by Bank of America. I asked for the company ( BOA ) to reopen/reactive my account ending in XXXX. I am a member in good standing, always, and I pay my bills at the time each time. Please confirm in writing by both EMAIL and US Mail. I would like to hear from executive office of Bank of America. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-15
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-03-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (KS)

received first loan in XX/XX/XXXX the loan was for XXXX paid XXXX $ for 14 months till my daughter paid of the loan in the amount of XXXX had to get another loan in XX/XX/XXXX to move back to XXXX as rent was to high in XXXX XXXX TX , the loan was for XXXX $ i pay XXXX $ every month from my VA and SSI benefits and still have the pay off at XXXX. Would like to know if I can be helped in any way. THANK YOU. XXXX XXXX
Consumer complaint received 2017-02-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

Navient is unwilling to work within my family budget to allow me to make affordable payments. When they make arrangements, they require them to be automatically deducted from my account. They ask what I can afford to pay and then always say they lowest payment they can take is at least {$50.00} more then that. They are so concerned with the interest collected on my non-federal loan, that they had not contacted me to pay my federal loan. I received notice that I was in default of my federal loan and had to quickly file for a consolidation with another company in order to bring my federal loans current. They are rude and unwillingly to meet customer financial needs during the repayment process.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

There was a charge on the credit card from our wedding. The company messed up on multiple issues and double charged for rooms and billed for services that were not delivered. We initiated a dispute and there was a credit and then chase asked us for supporting documentation which was presented. We did not hear from the rep and we do not know what specific information is needed to confirm a dispute. But after 3 months of waiting I was advised they are not ruling in favor because the company stands by their charges. I do not understand how there is not any transparency on what is required by the consumer to prove that a company lied and billed for services that were not provided.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CT)

I WAS A VICTIM OF IDENTITY THEFT AND THE PERSON HAD ACCESS TO MY ID AND LICENCE SSN AS WELL. I HAVE DOCUMENTS WITH ID THEFT. GOV AND REPORTS NOT ONLY WAS MY INFORMATION USED FOR THIS COUNT BUT OTHERS ASWELL
Consumer complaint received 2016-06-09
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (WI)

I went to an ATM ( XXXX XXXX ) on XXXX/XXXX/2016 to withdraw {$400.00} & it did not dispense out. It went in the local branch & talked to XXXX XXXX about the matter & it was later acknowledged that my money did not dispense out so therefore XXXX XXXX ( handles ATM disputes ) faxed the paperwork to UniRush which is the parent company of Rush Card about the matter & they released the {$400.00} back to Rush Card on XXXX/XXXX/2016. I have called RushCard several times & each time they keep saying that the money was not sent back to them, however, I have the paperwork from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI ). Each time I call, Rush Card tells me a different story. I was told that I would have my money by the end of the business day XXXX/XXXX/2016 & now I am being told they did not receive the money. I have bills to pay & for them to keep giving me the runaround is unacceptable. It 's like I am being punished for something that I did not have control over.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022 I went into a local branch of Bank of America to deposit a check. Making it perfectly clear that I needed the funds available right away the teller assured me that the the {$3000.00} check would be released XX/XX/XXXX. ( {$220.00} would be released the XXXX ) ( the balance would be released by XXXX XXXX on the XXXX of XXXX. I received an email late that evening that they were extending the hold until the XXXX. The bank was provided proof of funds and there was zero reason to extend the hold an additional week. The email also stated that that any fees I occurred because of the extended hold would be reimbursed. I received 4 returned check charges because of the extended hold. After spending 90 minutes on the phone they reversed 2. Refusing to release the check even when provided proof the check had cleared the other bank. The refuse access to money in the account. Refuse to reverse charges occurred because Of an unnecessary hold.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I am a homeowner in N.J. and eventually had my mortgage sold to Greentree Mortgage. Almost from the start I had problems. My monthly payment went up so much that I started to, and continue to struggle. When I would ask why it went up considering neither my taxes or INS went up, I was told a different answer from each person I spoke with until the last person I asked told me that I have a " floating escrow '' and so sometimes they will make my payment higher to satisfy this ; mind you, I have always had a fixed rate. I asked how they could do that and they said Every company does this. Well I asked a friend in the business and she said there 's no such thing. I was continuously harrased by very rude, harsh, and sometimes mortifying phonecalls that actually brought me to cry if my payment want made by the first. I have never ever been late on a payment yet they have in their records that I was once and told me it was on my credit report. I was also charges every month for years a {$12.00} convenience fee for my payments and was told unless I mailed my payment in I had no other options ; that want feasible due to me nit always having enough until the end of the month. I tried to leave them several times but was unsuccessful. I looked on the internet and constantly found similar complaints about this company and today I came across some sort of settlement from a lawsuit but it was from 2015. Recently they were supposedly bought by a new company called Ditch but I believe it is still Greentree, just under a new name. I need to get out of this company but do not know how and I believe they have stolen money from me for years but I do not know where to turn. I am desperate and need help so if there is anywhere you can direct me to start I would be extremely greatful. Thank you so much!
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had checked XXXX on XXXX XXXX as I prefer to stay on top of my reports and I also checked on XXXX XXXX to find over XXXX inquiries that I did n't authorize. Nor is my signature on the inquiries. I only authorized XXXX I had called and spoke to numerous reps who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires but also tell me no one was affected by the glitch when it was on all news channels even with proof in hand and they flat out refuse to connect you to a supervisor or anyone in the American offices to handle this matter per my request After 35+calls I gave up .None of the reps were remotely helpful or even knowledgeable some knew and some were quite belligerent and knew of the issue but just said sucks to be you
Consumer complaint received 2023-03-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (WA)

I have been having issues setting up the US Bank online app, and have had issues for months with the bank, state farm insurance online payments, phishing schemes, and my USPS mail being delivered places it should not be. I realize part of the issue is my own with communications in person, an in public. I have had issues previously with online accounts being hijacked, stalking in person, and had issues with XXXX  police department and an incident involving my WiFi getting hacked and a bill for calling XXXX, and having sound XXXX and the XXXX police department with either entrapment, tampering, and planting data. I keep getting alerted to attempts for password for secure login/ login.gov that is not at my request. I need to speak with the health department, and Department of justice as soon as possible. 
Thank you
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX was reporting an error to the credit bureaus that my account was open, delinquent and had a balance. XXXX XXXX XXXX sent a letter to me and the XXXX credit bureaus on XXXX XXXX, 2016 correcting the error and explaining that my account balance should be XXXX, closed and not delinquent. Since then, the credit bureaus have continued to report it wrong each month which has killed my credit score, dropping it over XXXX points. I have disputed this account at least 5 times and the last time I faxed the copy of the XXXX letter as proof to the credit bureaus which opened another dispute. The dispute is now closed and Transunion is still reporting XXXX as delinquent, open and the balance keeps increasing each time it is disputed. I have an account with CFPB which includes this letter as my supporting document, refer to case number XXXX.
Consumer complaint received 2015-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

I have received absolutely no notice of this account from anyone. It is reporting to my credit, and I have no information available to me to even attempt and resolve it. I have no record of the amount they are claiming I owe, and have been provided no information whatsoever to validate their claims.