davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (NV)

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, AND XXXX USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL.

THIS IS WHAT CAUSES HACKING AND DATA BREACHES.

THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (VA)

I walked into a branch of Citi Bank XXXX XXXX XXXX XXXX XXXX, va. There was initially a misprint in my debit card. The teller denied me service due to the miss-print when it was clearly a mistake by them. She attempted to verify my account by the security word and pin, but I do not remember having a security word or receiving my pin in the mail. I attempted XXXX to ask to verify in other ways but they told me that my ID, XXXX and birth certificate could not be accepted. They were a bit passive on finding a resolution surpassed that and it felt as if they were profiling me ( only the teller ) by how quick and stand-offish the experience was. My account is know block for fraud during a time that I have to pay rent and bills.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college. 
They told me, it was a account that was canceled by the government. 
But it is on my credit score, and it is hurting my credit score. 
Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.
Consumer complaint received 2015-07-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jon Barry and Associates, Inc. (NC)

I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (PA)

My complaint is with Sallie Mae. Sallie Mae did an unauthorized credit search on myself and my co-signer on the XXXX XXXX and XXXX XXXX. Sallie Mae did not have are permission to run are credit. We were working to get a settlement with the company to pay back a personal school loan. And being that the payment was late because we were in dicussion with Sallie Mae. They reported it to the crediting reporting companies. Due to this happening. This has lowered my credit rating and my co-signers.
Consumer complaint received 2017-07-25
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. (FL)

XXXX XXXX XXXX has filed fraudulent information on my credit report which showed up on TransUnion. Transunion has been notified and a dispute filed on XX/XX/XXXX.
They reported on XX/XX/XXXX a " new bankruptcy-XXXX XXXX/XXXX '' This account was paid on XXXX/14 and included in a bankrupty filing back in XXXX. Upon reviewing my XXXX XXXX report, XXXX XXXX falsifying information and reporting actions to Transunion resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of Transunion and XXXX.
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC (FL)

I have a title max loan that I have been paying {$130.00} on for over a year and Im still owning the same amount, none of the payment is going toward the loan except about {$.00} cent and I havent missed a payment Im on a XXXX XXXX of XXXX and Im constantly struggling to make my payment every month but wheres my money going because its not bringing my balance down and the manager is constantly XXXX  to sent the XXXX  man at the car even if its a day late I need help on wheres all my money at that I have paid over a year and the balance is still the same if I wouldve known this in the beginning I wouldve never gotten a loan with company where the balance doesnt decrease but on by {$.00} cent with payments of {$130.00} for more that XXXX payments will I ever be able to pay this loan off.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (FL)

Reemployment assistance program XX/XX/year> claim id XXXX XXXX XXXX received my unemployment funds with a Way 2 go card.as well as the reemployment assistance program to look closer at the person who they are sending money to this person stole my money and belittled my character.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IN)

At the beginning of XXXX our loan was transferred from XXXX XXXX XXXX XXXX to Rushmore Loan Management. I asked the to remove the mortgage insurance from my loan. which should have been done several years ago. i have a letter from them stating my loan to value is 70 % but they are refusing to remove the PMI it should have fallen off long ago. The readily admitted i was at 70 % LTV in the letter but said I needed to pay {$600.00} to {$1000.00} for an appraisal first. WHAT.. it was supposed to automatically fall off the loan when i got to 78 % LTV. Appraisals do not cost that much in Indiana and it is complete non sense to make a borrower pay for an appraisal when you clearly see that we are way below the LTV.. i am in the mortgage business and I know how things should work. the PMI should have been removed from my loan a long time ago and XXXX XXXX would not remove it. Our mortgage is paid up to date there is no reason to keep charging me {$50.00} a month for PMI when my LTV is less than 78 % The balance on my loan is {$130000.00} the current market value of my home is around {$240000.00}.
Consumer complaint received 2018-03-21
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. (NY)

I am submitting documentation from XXXX credit reporting agency about a problem I am having with XXXX credit reporting and transunion credit reporting agency. I have 2 XXXX XXXX credit cards one account is reporting as a negative account with a late payment ( which is incorrect ). Ive disputed this wrong information with all 3 credit reporting agencies. XXXX has confirmed after there investigation that these accounts were never paid late. But transunion and XXXX  are still reporting it as a late payment. They are also reporting that my XXXX account has late payment which is wrong also. Transunion and experian should have received the same results as these accounts were never paid late. They refuse to correct my credit report. It is affecting my credit score with this false information.
Consumer complaint received 2015-08-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (FL)

We were baited by Ditech Mortgage company. We were told it would take no time our credit was good. We were never told that we must have a XXXX dollars in the bank for a refi. Instead we put out the money for appraisal XXXX. We are an elderly couple we explained that and never led them to believe we had extra cash in our accounts. Then we were told our appraisal had to be wrong because we purchase the house in XXXX of 2014 and in XXXX we were looking for a refi. We updated the house ripping out the kitchen putting in granite counter tops and new appliances. The appraisal came in XXXX higher then what we paid for the house. So Ditech was unhappy with that finally our appraiser wrote to them and explained. Then they demanded XXXX successive bank statements to prove we had one months mortgage payment. This began a nightmare for us. We used our savings and even made a late house payment to please them. The worse thing is they told us they saw we had not paid our mortgage thus rendering us unable to get a refi. IF in the beginning we had seen the FHA requirements or if Ditech had instructed us upfront we would have NEVER gone with them. Now we out of XXXX dollars and out of our mortgage which our lender is most helpful and understood what happened. We will clear this up by a double payment. In the meantime we have no money for this month groceries. Thanks to Ditech who owes us the appraisal money.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; Equifax and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and Equifax is reporting missed payments. This hassle of back and forth with the credit reporting agency and XXXX XXXX has caused tremendous financial suffering due to no fault of mine.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am trying to get my free annual credit report but when asked the questions I am asked questions that do not apply to me. Questions that are asking about mortgage loans and car loans I have not applied for, bank accounts I have no knowledge of. I am worried that my credit is being affected by someone other than myself. I wish to know how I can review my credit report. Thank You.
Consumer complaint received 2018-03-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (TN)

This debt was settled for {$1200.00} on XX/XX/XXXX and had a zero balance. The company proceeded to garnish my wages and took {$140.00} from my paycheck on XX/XX/XXXX. 
I contacted ecmc at least 3 seperate times by email after XX/XX/XXXX regarding the garnishment and the only response I received was asking for the fax # to my hr. Which I provided but ecmc should have already had as it was on the copy of the paperwork my employer sent. 
I finally received a response on XX/XX/XXXX stating that they have not received the payment and to " check back '' without a specific time frame provided. 
This garnishment should have never gone thru on the XXXX since my account was already settled in full on the XXXX.
Consumer complaint received 2016-03-04
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (WA)

Navient Student Loans have called me 8 times today starting at XXXX. They are calling my home phone as well as my cell phone. 

I pay my student loan every month and as soon as I am one day late the phone calls start coming at XXXX. until XXXX. It is not like I am 30 days late. I am so tired of being harassed by a company where I pay my bill every month.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (CA)

This company appearing as CREDIT MANAGEMENT COMPAN on my Credit Report has engaged in several unfair debt collection practices. This amount of {$630.00} was already removed from my Credit Report once in XXXX because I have never even been to a place called XXXX XXXX, which is the original creditor. Credit Management Compan appears to have readded it to my Credit Report by dropping the " Y '' from the word Company. They have called me several times even when I asked them to cease calling and desist collection as this debt was not valid but they don't want to take no for an answer. There isn't even contact information listed for this debt available.
Consumer complaint received 2020-09-11
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 — Problem with personal statement of dispute
Company: The Outsource Group, Inc (IL)

Im highly dissatisfied with the experience I am getting with XXXX and Medicredit. On XX/XX/2020 I notified XXXX that it was multiple errors with Medicredit. They responded saying the information was correct and verified with Medicredit. So, I tried to contact Medicredit and I had no response, so I began to ask XXXX  what their procedures is. They then told me they contacted them to verify everything, I was still shocked because Ive yet to get in contact with Medicredit. The other Bureaus was not able to contact them, so they removed the information. So, this puts me a great belief they never contacted Medicredit. XXXX did not want to investigate the matter again until I let them know I was contacting Medicredit, with no successful response. They then responded with it has been verified. Once again Medicredit has not responded and has violated the law, how is it XXXX is verifying information? 

Please also find attached to this letters sent to XXXX  along with Medicredit.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have had a previous complaint concerning Bank  of American a nd an overdraft fee.   While they claim to have fully resolved this issue, they have not and in fact it has gotten worse.   I have been charged  XXXX  additional {$35.00} overdraft fees.   The issue is that Bank of America does not fully disclose their overdraft fee policy and how they determine when and why they charge. They do not provide it to you in writing when opening an account ( I reviewed the paper work provided to me when I opened my account and all notices since ) in writing or on their website. Furthermore, their full policy is not easily accessible or found.   Bank of America does not even follow the policy they list on their site.   In other words, there is a lack of transparency and full disclosure. When I request their full policy to be provided to me, all representatives refuse to provide it stating " it goes against their internal policy. '' As a customer, to say providing a policy regarding how their account is charges astronomical fees goes against another policy makes zero sense.   Bank of America has had to settle multiple lawsuits in previous years and as a customer, the issues persist.
Consumer complaint received 2021-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I am trying to sell my house and Chase bank has 3 liens filed with county clerk. I have one HELOC that was amended in XXXX the first lien refers to a XXXX equity loan that was paid off by the XXXX HELOC that they modified in XXXX. I submitted documents showing the payoff of the XXXX loan and the modification of the XXXX loan. there should be one lien only which will be paid at closing. they are ignoring repeated requests for the documents only to respond with emails stating it is being worked on. no person is signing the emails, no number other than customer service email and phone number and blank emails stating it is being worked on. 

the house sits empty and I am paying mortgage, property tax, utilities at the house along with rent and closing is held up 2 months now. I called then submitted everything XXXX. I found 20 year old documents to prove these liens should not exist and were resolved so that should mean some kind of shortening of their " research ''. I can not imagine if I did not have those old paper documents but that I do have them makes this more of a problem. their own bank failed to file the resolutions and I have sent everything. they do not handle anything and they are at fault for not filing the documents to begin with and then not handle after I sent proof. I may lose this deal for the sale because I cant get my title and I am unable to sustain paying for two homes.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments from my credit report.
Consumer complaint received 2015-05-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alliance Credit Services, Inc. (FL)

My HOA, XXXX XXXX in XXXX XXXX Florida changed the management company they use in the past 6 months. I only received notifications that they were no longer using XXXX, I did not receive a notification of whom our new management company was, therefore, I was not made aware of who to pay our XXXX dues to. I received a letter from XXXX collections company yesterday stating I owe the past due HOA fees of {$240.00} plus a {$150.00} collections fee. The collections fee is more than 59 % of what I owe the HOA. The contact information for XXXX XXXX XXXX.
Consumer complaint received 2024-03-06
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company (IL)

I owe XXXX XXXX XXXX in XXXX, IL. 

I tried enforcing my rights under Illinois General Assembly to have a reasonable discussion about the amount owed. 

Instead of communicating with me, they sold my debt to Frost Arnett, I contacted Frost and told them I dont want any further contact. 

They have not stopped calling or texting. 

XXXX XXXX  will still not respond to me after multiple attempts to resolve my debt.

This is a violation of Illinois state rights.

HEALTH FACILITIES AND REGULATION ( 210 ILCS 88/ ) Fair Patient Billing Act. 

I wanted to dispute a service after a misdiagnosis from one of their medical professionals.
Consumer complaint received 2018-12-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (AK)

I am enclosing my last 3 payments to AES. 

The payments and interest rates change every month and makes no sense. I have not agreed to any terms they change my rates to and they are not consistent with how my payments are allocated. I have enclosed my last few payments.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

Im part of the XXXX XXXX XXXX XXXX XXXX XXXX. My loans were suppose to be discharged and removed from my credit and a refund of all my payments by XX/XX/2024. They have not been removed from my credit and no refund has been issued. Im getting the run around with Mohela and the Borrowers Defense/ dept of education. Mohela says Im not due a refund and states its coming from Borrowers defense/dept education. They are saying its not. Im due a refund of all my payments made on these loans and the loans are suppose to be removed entirely from my credit report. I qualify for the refund since all my payments were made to XXXXdept of education through the years.
Consumer complaint received 2018-03-21
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (CO)

Company is claming i owe XXXX dollars for a school loan not paid. 
All the debts were paid to them and dept of edu when money was taken from my tax return. Ive tried several times to fix this with the company, its ruining my credit. 
I never recivied any mail, calls or info about this debt until it appeared on my credit report.