davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (VA)

The VA loan guaranty provides a private lender with the assurance that if something goes wrong and you are unable to make the payments, the lender may go to the VA to cover its losses. With your Certificate of Eligibility. While in the underwriting process, I was asked to provide a letter from my commander stating the following : " Provide a signed and dated letter from your Commanding Officer confirming your eligibility to renew and that you intend to remain in service after the expiration of the current orders, XXXX XXXX " I sent a request to my commander on XX/XX/XXXX and she provided a statement of service verifying my service obligation to XXXX. 

The Mortgage officer stated the statement of service is not acceptable. My commander stated that asking for anything outside of a statement of service is personal in nature and disturbs the command relationship. It is my choice to extend and I may do so in XXXX when the window opens up in the system. It is not her responsibility to verify eligibility as my service obligation makes me eligible. 

My questions are 1. Why are Soldiers required to provide this documentation if they have a VA certificate of eligibility.

2. Is the loan applicant liable for a third party 's refusal to sign a document? ( For example I can't force my commander to sign a verification memo.

3. Is the eligibility memo a VA loan requirement regulated by the VA or some federal agency? Is the memo a personal requirement from the financing company or the VA?

4. Do mortgage companies ask " other '' applicants for verification memorandums if so, How do they verify if indeed it is the " commander '' signing the document. Is the memo just a security blanket to assist with the selling of the loan after closing? I would think this is an unfair practice used to against military personnel /veterans on XXXX XXXX I mean do you ask XXXX employees to verify employment for more than 12 months beyond closing? 

5. Is there a reason why mortgage companies don't ask for information upfront? For example my military status was made transparent at initial loan application in which I had plenty of time on my current contract. Due to construction delays, I feel like I'm the one being punished and at risk of losing thousands of dollars in earnest money fees and builder credits if I can't get financing through XXXX The delay is also costing more money because the interest rate has risen since contract initiation. 

The lender keeps saying the memo is a " common document '' the only common document I am aware of is the VA certificate of eligibility. 

I feel this practice is unethical as the XXXX  XXXX does XXXX XXXX XXXX. Does not state that a memorandum of eligibility from a commander is required. There are other documents that would suffice such as a memorandum for record from the service member verifying their own intent to extend beyond the 12 months. This document along with the commanders statement of eligibility makes more sense.
Consumer complaint received 2021-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I HAD FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES FOR INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I ALSO FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDITR BUREAUS AND STILL HAVE NOT RECEIVE ANY MESSAGES. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2024-02-27
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 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 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my THIRD letter to XXXX, Equifax, and XXXX since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

This debt was from XXXX I ordered wi-fi and I live in XXXX XXXX CA I was not able to get good connection I returned their equipment ( this was at least 12 years ago. I was not aware that I had a contract and never received any bills. I was going through a horrible divorce x-spouse XXXX XXXX SS # XXXX ruined my credit by not paying credit cards and other debts that judge had ordered him to pay ( divorce lasted XX/XX/XXXX- XX/XX/XXXX ) I got XXXX and was in XXXX 30 days at XXXX XXXX Hospital XXXX Ca ) he cancelled my health insurance. I used to be a XXXX and financially dependent in our marriage until I had a child in XX/XX/XXXX then he became XXXX XXXX and verbally at the time I was a homemaker since the birth of my child. The only reason he had any finances was that while I was a XXXX  I encouraged him to get a contractors license he did and I set him up in a XXXX XXXX ( XXXX XXXX XXXX ) it became successful that is because I ran it, then after the birth of my child he suggested that I stay home that is why I became a XXXX. I became financially destitute during the divorce he did not pay the family monthly allowance the judge ordered him to pay. After the divorce I wanted to purchase a home and was denied a loan I checked my credit report it was ruined, I hired XXXX XXXX to help take off the credit that did not belong to me, they did an excellent job. I am now disputing a Jefferson Capital XX/XX/XXXX and that it originally came from XXXX which I do not owe any money the amount is {$310.00}. I have disputed this item with XXXX  and they still are showing it as a collection debt which it should not be and even if it was my debt it should have expired it has been I did have an account with XXXX XXXX and the wi-fi did not work so I returned their equipment and never received a bill from XXXX and this was well over twelve years ago and would have expired. 
If I owed them money how come I am able to get an account for cellular with them acct # XXXX. I am filing a dispute with XXXX because instead of deleting this collection after I gave them the information I am sending you they updated the collection which decreased my Fico score. I apologize for such a long explanation. I hope you can help me because right now I am on a fixed income I only get SSI benefits {$940.00}. monthly ( I have bi-polar which escalated because going thru that horrible divorce ) I am trying to build up my credit XXXX  said I could if I showed them my bank statement showing I pay rent, utilities and cellular bill. I have a payee for SSI and the bank account is in his name XXXX XXXX at XXXX XXXX XXXX  in XXXX XXXX the acct is XXXX XXXX XXXX # XXXX. If you can give that information to XXXX  or tell me how I can ( they have been so unpleasant to deal with ) that I really do not want to contact them. Thank you very much for letting me file a complaint against them because I think they are not working effectively with consumers. Thanks again XXXX XXXX if you need to contact me my email is XXXX XXXX
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called the customer hotline on Thursday ; XX/XX/2017. I paid off 50 % of the total debt with the credit card company. I mentioned that the reason I was in excess debt was that I had financial hardship in XX/XX/2017 for losing my job and I was also injured in car accident that made it difficult to work certain jobs. Now that I am working a lot more, my goal at the moment is to completely pay off the debt, but my interest is high and the payments are very high as well. I asked if they can lower my interest rate and payments so that I can pay off my debt with them but the representative said that they will not help me in this matter and to just pay more per month to finish paying the debt off. My previous statement I owed {$5500.00} and now I only owe {$3000.00}.
Consumer complaint received 2023-04-07
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. (NV)

I received a copy of my credit report the the intention of trying to improve my credit and I have ran into an account that does not belong to me. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if 1 ) information is in fact inaccurate Accounts Name Radius, global solutions Account number XXXX Please investigate if every piece is correct if not, please remove it from my credit report Account Name XXXX XXXX CO L Account Number XXXX
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

on XX/XX/2018 Moneygram stated that my online account had been locked out due to activity. I was told by moneygram that i should visit a moneygram location personally and i could send money. Unfortunately even attempting to send money at a physical location i was unable to send money ( local XXXX ) to a family member. 

I would like moneygram to unlock my account so i can continue to send money to XXXX family and friends.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

Chase Mortgage on XX/XX/2021 has my insurance escrow as {XXXX} when it should be {XXXX}. I want to explain to XXXX. The phone number they have doesn't have a live person and just directs you back to the website. If you call Chase they tell you to call the phone number " my mortgage coverage info '' and well you're back at square one. I sent an email to them and they just reply resend your policy. I'm at wits end what to do. 

Now my mortgage payment has substantially increased due to this inaccurate mortgage amount.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (CA)

I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2018-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (SC)

I actually went to XXXX XXXX XXXX XXXX and XXXX in XXXX, FL, which was not listed on your site and I can only assume that they have since gone out of business. I'm currently in good standing with all of my loans through Navient and have been enrolled in the income based repayment plan. 
I believe I was grossly misled in the strategies of the loan repayment. Here are the facts. 
I was told that I would have affordable payments after graduation. I took the initiative and did not have a cosigner. I am a responsible adult with an excellent credit score. However, I feel like I'm being XXXX   here and I want to shed some light on this situation. 

In XXXX I borrowed {$27000.00} from XXXX XXXXNavient to finance my education. 

Since graduation, I have paid back {$35000.00} My outstanding balance is now {$37000.00} These are just my private loans and do not include my federal loans. 

I am one of millions. 

Please tell me that something is being done on behalf of the millions of people who are struggling with this debt issue. Everything is on hold, including buying homes, investing in businesses ... 

This is criminal. It's predatory lending. I went to school for XXXX. I am working in the field of XXXX. I have been working in the field of XXXX for a decade. I have been paying my student loans and getting no where. I currently pay {$420.00} per month to Navient and XXXX on my federal loans per month. This is insanity. I wanted a good education. I am now drowning and see no way out of this debt. Any advice would be great. Yes, my federal loans are enrolled in the PSLF so please do not send me another pdf on this information. This complaint is directly geared to XXXX XXXX/Navient and I think I am owed an explanation along with millions of other students who are buried in debt across the country.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (PA)

On XX/XX/XXXX I spoke to a representative of ERC about a bill I owe. I set an appointment with XXXX to call me on XX/XX/XXXX to discuss the terms of settling the debt, as I would have a better idea of whether or not I could pay the settlement agreement in full or I would need to set up a payment plan. 
Today, XX/XX/XXXX, another representative of the same company for the same debt called me, and thinking it was a mistake, I explained that I already had an agreement in place with another rep and would be in contact with their company on Friday. 
After this conversation, with her acknowledgement that I'd already set up to be called on Friday, she asked if I wanted 3 bi-weekly or 3 monthly installments. I declined to speak further on the account and stated so, because she clearly wasn't listening to me. She then told me she would set me up on a payment plan for 3 bi-weekly payments and needed a debit card or checking account number to secure payment. 
I then repeated that I decline any payment arrangement because I don't know what my finances will look like, and while I don't deny I owe it, and do intend to pay it, I can not promise her money I don't know I have. 
She then stated she set me up on the payment arrangement and asked again for a form of payment. I again, stated very clearly that I decline her doing so. 
She then asked me for my payment information, and I repeated that I decline her setting up a payment arrangement. Her next statement was " with no response we will try to call at another time ''. I found this to be overly aggressive, predatory, and harassing. Not only did her company have a record that I had already been spoken to and that I would be in contact in less than 10 business days, she attempted without my permission, to engage me in a contract multiple times that I in no uncertain terms declined, multiple times.
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I have sent several letters asking that Wakefield & Associates send me proof that this debt is in fact mine,  signatures, and documents that show that I agreed to pay. They have not been able to do so. They are ONLY sending me letters that state that the debt does in fact belong to me ( verified ), with no proof. Most recently as of XX/XX/2017, I requested, and have yet to get proof. I have requested that they remove the debt since they aren't able to send me what I am requesting, and they have not. The amount of the debt is {$3400.00}. How can they claim a debt belongs to anyone without proof?
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (UT)

XXXX is charging me fees on fees for a fraudulent charge that they recovered. They have since sent the fees on fees wrongful charges to collections. They are also filing negative reports with the credit bureaus. 

This is immoral, unethical, criminal and Negligent.
Consumer complaint received 2022-05-02
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-05-02
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. (OH)

15 usc 1681a 15 usc 1681 section 602 15 usc section 604 Indcate inaccurate information on all consumer reports Indcate I have a right to privacy Indcate my information can not be sold or transferred without my consent
Consumer complaint received 2021-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a merchant account with Suntust bank they set up me a merchant account for my Realestate business. I proceeded with sending invoices to my clients that has not did a charge back, and the merchant account has not yet released my funds into my account! It has been almost 4 weeks. I have tried contacting SunTrust first data risk department numerous times and get nothing but vm! They need to release my funds! I have a business to run so please help me. My business name is XXXX XXXX XXXX number XXXX email XXXX I await your response
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I have received numerous calls and letters stating I owe a debt I do not recognize. The company, IC Systems refuses to provide proof in the form of an original bill or contract. This company has also called my brother, my parents, and my work leaving personal messages about the alleged debt and threatening " action '' if I do not respond. 
The most recent letter is dated XX/XX/2018. The phone calls occur daily.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX bank of americas fraud department notified me about some suspicious transactions on my edd debit card. I confirmed that it was indeed fraudulent. I was in the hospital from XXXX delivering my son. Theres no way i could have been at an atm making withdrawls. I also had possession of my card the entire time. 
So, i proceeded to file a claim. I was told to request a police report. When i contacted my police department, they informed me that a police report could not be filed until i received something in writing from the bank. It took 2 full weeks until i received the letter from BoA stating that they felt there was no fraud or error and therefore was not going to refund me the total amount which was XXXX. That same day XXXX, i filed a police report and then contacted BoA demanding to speak with a manager or submit a reconsideration. I was informed at that time that i could not file the reconsideration  until i received a copy of the police report. It is now XX/XX/XXXX, and the police report is still not ready for me to pick up. This delay is prohibiting me from continuing the reconsideration process with BoA. I also requested copies of documents used to determine the transactions were authorized and was told on XXXX they would be sent and still have not received anything.
Consumer complaint received 2022-11-18
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)

XXXX has removed two falsely reported late payments that are still showing up on my XXXX and Transunion reports, despite many attempts to correct the issue. Please see attached documentation.
Consumer complaint received 2020-07-24
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.