davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On our XX/XX/XXXX XXXX XXXX XXXX mortgage statement, the fixed principal balance is {$190000.00} Original XXXX balloon mortgage was opened in XX/XX/XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XX/XX/XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XX/XX/XXXX XXXX transferred/sold the account back to XXXX XXXX XXXX XXXX has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with XXXX  XXXX XXXX Office of the President, CFPB and all three Credit Bureau with no success. 
Errors include, but not limited to : XXXX XXXX XXXX ( website/statement ) Opened XXXX Original balance XXXX Current Balance XXXX Current interest rate XXXX Transferred to XXXX XXXX XXXX Credit Report XXXX  XXXX XXXX Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX BalanceXX/XX/XXXX -XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX High Credit XXXX Months reviewed XXXX Balloon payment {$180000.00} XXXX XXXX XXXX -closed Date open XX/XX/XXXX Date closed XX/XX/XXXX Balance {$0.00} High credit XXXX Months reviewed 12 Date Reported XX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX ( Closed ) Date opened " XX/XX/XXXX Date Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report XXXX XXXX   XXXX ( Open ) Date opened XX/XX/XXXX Date of updated XX/XX/XXXX Balance XXXX High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXX XXXX XXXX- ( Closed ) XXXX opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XXXX Months reviewed 13 Date reported XX/XX/XXXX Transunion -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX Balance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXX well as a spreadsheet ( data from credit reports and XXXX bank statements ) which will highlight errors. 

I would appreciate any assistance you my give me. My email address is XXXX or I may be reached by phone at XXXX feel free to leave message. 

Thank you XXXX XXXX Attachments
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

redit disputes were submitted by mail certified on XXXX XXXX 2015 and were received by XXXX XXXX 2015. I was emailed the results of my credit report on XXXX XXXX, 2015. However, when I pulled the credit report it had XXXX XXXX 2015 on it but this is not when I received it. It shows yet another date on the dispute resolution with a start date of XXXX XXXX. Since it was pretty quick to send this by email. I should have received this on the XXXX of XXXX 2015. It is much quicker than mailing it out so it should not have been a problem. Why date the credit report for XXXX days earlier and it was not sent? I am attaching the email showing that I received this on XXXX XXXX 2015 at XXXX. I am requesting to have all negative credit information I submitted to you to be permanently deleted from my file per the Fair Credit Act or the credit bureau can be charged {$1000.00} for each item I am attaching a copy of the email I received on XXXX XXXX, which was dated 2015 dated for XXXX XXXX. Also, I would like both XXXX and XXXX notified as well. This is false information. Email takes seconds to send and not days. I am also attaching the letter that I originally sent and I am scanning the certified mail information and attaching that as well.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (TX)

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

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 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 a 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 conviction 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 2022-02-11
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: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (IL)

AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KA XXXX has been agrresively sending attempts to collect the amount of {$750.00} and the collection has been reported to as past due. I do not know this company, and I do not have any business with this company. I do not have a signed contract with this company.
Consumer complaint received 2019-02-25
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (AZ)

I received a credit report due to other fraudulent situations with my taxes and I saw that there are some credit items now two accounts that are department of education Nelnet partial account and their account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it says that it was open XX/XX/2013 it was for education and it was first reported owing {$1700.00} and it is a partial count there's one right under it the same account number same date that it opened but a different amount and that amount is {$2600.00} because of these two education places that have put out a loan on me I have not attended school I have not put out for a student loan to go attend school so this is not me that I have no reason to be paying anybody ain't got money for a student loan so Iwould like to get this resolved.
Consumer complaint received 2015-11-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (TX)

I have a credit card with Elan Financial Services I have been paying extra and instead of the amount over the minimum payment being applied to the balance with the highest interest rate they are applying the payment to both balances. I have sent them a secured e-mail regarding this matter. They responded saying because I my account showed a purchase last month it was applied correctly. I have not used this credit card for several months and I have no automatic charges on this card.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

In XXXX 2015, I signed up for Direct Deposit to lower my interest rate, they took money out of my account, put it back in, took it out and put it in again When I called them to find the issue, they stated I had insufficient funds. I did not. They then took out the next payment at the end of the month to accrue the most interest as a DEFAULT That is absolutely bad business practice, and I have since ended direct deposit and have paid more than the interest rate to down the principal, yet I am still paying way too much for the loans I took out over 10 years ago I have again requested to lower my interest rate, as ironically, the only bad payment I have is that XXXX XXXX ludicrous practice that disallowed a lower interest rate The amounts were ludicrous that they offered my 6.8 % going down to 6.55 %? XXXX to XXXX. Especially when they take it at the end of the month to maximize the interest? Makes more sense paying it bi weekly with more towards the principal Biggest scam ever I went to XXXX, XXXX & XXXX XXXX
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SUNTRUST BANKS, INC. (MD)

My wife was in a branch of Suntrust Bank to pick up my debit card that accidentally left in the ATM machine. When she stopped at the branch to pick up my card, the branch manager and bank teller asked my wife if she wanted to earn cash back on our debt cards. She said, " talk to my husband, he handles all of that. '' They did n't take no for an answer, asked her a couple of questions like " where did you go to high school? ", etc. With that very basic information, they opened XXXX credit cards, XXXX in my name and XXXX in her name. I had no idea that this had happened, until my credit monitoring service alerted me that an account had been opened. After learning that these accounts had been opened, I immediately tried to find out how this happened, because at first I thought it was identity theft. I later found that it was n't identity theft, but it was the people at the bank branch, that opened an account and NEVER even spoke to me. With that tiny bit of personal information about my wife, they claim that it was appropriate that they opened XXXX new credit card accounts, XXXX in her name and XXXX in my name. Now, I 'm trying to get the account closed and removed from my credit report, but I am having a very difficult time.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I disputed XXXX reporting XXXX accounts on my Equifax credit report. It has been verified that these items are accurate. XXXX XXXX XXXX is in violation of federal and state law for inaccurate reporting. Both accounts with XXXX XXXX XXXX were marked 120 days past due in the payment history which is impossible because they are a collection agency not an original creditor it is also reporting as a factoring company which is impossible as well because factoring companies only by open debts not charged off accounts. Due to their unlawful credit reporting they have jeopardized the integrity of my credit history by causing my delinquency to appear more recent and the debt is over 4 years old. Please remove this inaccurately reported items from my credit report immediately.
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

This debt collection company NCB has already been removed from other reporting bureau companies and should also be removed from XXXX. NCB is constantly being reported monthly with a balance which should have a zero balance as the collection agent. Also, reporting incorrect and inaccurate dates of payment and account status to re-age the account. This is a violation against the fair credit reporting act by the agent reporting fraudulent information.
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I have sent certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018 to LVNV Funding LLC asking them to provide me with data to prove that this is my account. I have no knowledge of this account and have tried expressing that to LVNV Funding LLC, but they continue to call me about 15 times a day. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State License and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so, they must remove this account. LVNV Funding LLC bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

on XX/XX//2019 I sent dispute letter and they said I they verified, but did not listed the evidence or say how they verified it. 
and the credit card company said that they don't have any record of my account
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 section 602 states " I have a right to privacy '' and this creditor has violated my Rights. I have a right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. I am requesting that you promptly investigate the disputer items and remove them from my credit report if they are found to be incorrect or unverifiable. ( see ex 15 U.S.C. 1681 section 604A section 2 & 15 U.S.C 1666B & C ) in accordance with the ( FCRA )
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Debt Buyer XXXX XXXX reported on my credit as a new open account opened XX/XX/XXXX and negative reported XX/XX/XXXX. Called and they stated it was for XXXX XXXX, an account I never had, refused to provide contract - stated opened XX/XX/XXXX not XX/XX/XXXX - faxed letter of dispute refused to open, they are a debt buyer not the original creditor illegally reporting on my CBR for an account beyond the Statute of Limitations that does n't even belong to me
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX NA 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
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (KY)

LoanDepot is wrongfully double charging me for an escrow shortage that has already been paid. I received an escrow summary from LoanDepot dated XX/XX/XXXX stating I had an escrow shortage of {$220.00}. ( exhibit 1 ). The document stated, if I paid the shortage up front, my new monthly payment would be {$990.00}. If I did not pay the shortage, it would be divided evenly over XXXX mortgage payments, with a new monthly payment of {$1000.00} beginning XX/XX/XXXX. 

I paid the escrow shortage up front on XXXX XXXX. ( exhibit 2 ). However, my monthly payment still went up to {$1000.00} on XX/XX/XXXX. ( exhibit 3 ) In sum, I'm being charged double for an escrow shortage. 

I called LoanDepot to report this in XX/XX/XXXX. I was very rudely told to put it in writing on their secure message center. I put my claim in writing on XX/XX/XXXX and was blatantly ignored by the company .I followed up several times with written messages, but received vague generated responses. Almost one month passed and I called the company again. I was put on hold and nothing was resolved. 

I then spoke with my local loan officer who studied the documentation confirming there was an issue. He directed me to call and speak with a supervisor. On XX/XX/XXXX I was finally able to speak with a supervisor after multiple attempts and being put on hold. After one hour of arguing and explaining the situation, the supervisor confirmed I was being charged double by the company. 

The problem was referred on that day for a call back, but was not resolved. It's been XXXX month since I have been trying to resolve this issue and I've been blatantly ignored. Not only am I being double charged, but the manner in which it has been handled has been extremely unprofessional and morally wrong. I have not been taken seriously and have been blatantly ignored. They are impossible to reach and when you do reach someone, you are passed around, put on hold, and patronized. This is not a trustworthy company. 

Attached is the documentation supporting my claim. Addresses have been redacted for privacy.
Consumer complaint received 2016-09-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Unlimited Progress Corp (IL)

The company - CREDITORS DISCOUNT & AUD - continues to place an account that does not belong to me. According to the information they placed on my credit report they indicate it is for " XXXX XXXX ''. Fact 1 ) I have not been to an emergency room in a long time, if ever. Fact 2 ) I have requested them to provide proof that this is my debt, and they have not only refused, they have not provided any.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (GA)

On XXXX I contacted PayPal regarding them freezing mu funds on my business account due them saying my personal account was overdrawn. They are refusing to release my funds and If this doesn't get resolved I will be forced to sue PayPal due to this unlawful action. I spoke with supervisor XXXX employee # XXXX and manager XXXX # XXXX who was very rude and offered no assistance. If you could please help me resolve this matter I would appreciate. PayPal should be heavily fined when violating consumers rights.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I am having a problem with Chase Card. They are reporting an account with a high balance of {$3400.00} to the Credit Bureaus. I have written them multiple time requesting evidence bearing my signature that shows I have a contractual obligation to pay this debt to Chase. The only response I received was a copy of a credit card statement, but not any evidence with my signature to validate this debt. They also have failed to report to the Credit Bureaus within 30 days of my letter that this item is in dispute.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NM)

I have disputed all inquries on my credit report as ones I dont recognize and Equifax has chopsen not to respond to my inquiry within the allowable 30 day time fram per FCRA. As a result, I would like them removed due to no reponse from them.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and Experian. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Consumer complaint received 2017-03-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OK)

Mortgage company " Loancare '' was sent my mortgage payment XXXX, 2017 and has yet to apply the funds to my loan account. I have sent them the required documents showing that my check was cashed by there bank, however ; they still have n't resolved the issue. My bank as well as myself have contacted them multiple times with no results and its now XXXX
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

I refinanced my home back in XXXX. I left freedom mortgage. I am waiting for an escrow payment refund and I never received it. Then they told me that everything matched right to XXXX and I am not entitled to any escrow payment. There is no way it came to exactly XXXX.