davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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. (TX)

XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.
Consumer complaint received 2017-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I have been making my student loan payments on time. Ever since I made my 1st repayment to AES, the servicer for XXXX XXXX, my monthly payment amount has not been consistent. It keeps increasing. I make my payments automatically each month through my bank. I received a letter that my account is past due {$150.00}. My payment was increased {$150.00} per month without any notice. When I called to inquire, they told me that there is nothing they can do to help me because of the type of loan that I have. They told me two years ago that my payment would not increase, but it did. This is absolutely ridiculous that they are not willing to work with me to keep my payment the same. I can not afford for my loan payment to increase from {$310.00} per month to {$460.00}. I could understand if I had defaulted on my loan, but I have been making payments. I was just told that there is nothing they can do to help me. This is nonsense.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I have written to Wells Fargo Home Mortgage three times requesting proof that that I was late and properly charged off. The last letter is attached. All they do is to write me and say that I was late and the account was charged off.. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
Consumer complaint received 2024-02-07
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. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

Bank : CitiMortgage. I paid off my mortgage with Citi and refinanced the same with XXXX. Citi has charged me XXXX dollars ( XXXX dollars twice ) saying they faxed me a Payoff Statement, when I do not even have a fax number. They are unable to provide me details on who and to what address ( phone or mailing ) was the payoff statement sent. 

Citi has also charged me XXXX dollars as " release Fee '' when it is actually Recording Fee. I already paid the Recording Fee to my refinance company ( once for recording that Citi off the mortgage and once for recording that XXXX is on the mortgage ). I have also checked the same at XXXX XXXX XXXX and the monies for these transaction have been paid my closing company
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CT)

I found XXXX addresses on my XXXX report where I 've never lived. I have had my XXXX / ATM card used fraduantly in the past. I got a new card back then, and did not think there were any further problems until today until I click on my credit information. I 'm not well versed in this. And will have to seek help to resolve this. As XXXX address is in a state I 've never even visited..
Consumer complaint received 2024-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In reference to my loan ending in XXXX. Bank of America has the deceptive practice of sending emails for many years that indicate that if I do not respond to this email I will automatically be put on paperless billing. Recently I missed these emails and as a result I did not receive a bill for the months of XXXX and XXXX. I was sent a notice of intent to foreclose, for the first time in my life. I was charged late fees of {$41.00}. Bank of America also reported this delinquency to the credit agencies and again for the first time in my life my credit score dropped below XXXX and is now preventing me from qualifying for new loans. 

I did not ask to be on paperless billing, I will never ask to be on paperless billing. I was unwittingly placed in this program. It is deceptive and not my fault. The moment I received the notice of intent from Bank of America I paid the balance in full, and am current on the account.
Consumer complaint received 2022-09-06
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. (TN)

TransUnion has provided inaccurate, false and misleading information and representation pursuant to 15 U.S.C. 1692e where it clearly written that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt and involves an attorney on behalf of XXXX XXXX  XXXX XXXX XXXX who committed criminal conduct with representing his client and fraudulently acting as a debt collector by injuring his client. Without limiting the general application of the foregoing, the following conduct is a violation of this section. There was never a child support debt and once those fictitious debt were disputed they were deleted because debts dont exist otherwise TransUnion would had to validate the debt by producing the contract pursuant to 15 U.S.C . 1692g- validation for debts. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX for gain of profits which constitutes that TransUnion is not only a financial institution but violates the fdic and ftc rules and guidelines which involves identity theft for altering and selling the social security , card, name and account number. TransUnion did not obtain written consent from the consumer pursuant to 15 U.S.C. 1681b-permissble purposes for consumer report which violates 15 U.S.C. 1681c-2-Block of information resulting from identity theft, responsibilities of furnishers of information to consumer reporting agencies pursuant to 15 U.S.C . 1681s-2 which also violates fcra and fdcpa rules and regulations. TransUnion has neverproduced any contracts which validates any debts nor do they have permission from the consumer to report any debts. All reports made regarding consumer reports including fraudulent debts, names and addresses are to be cleared immediately from the consumer report and TransUnion are in violation of 15 U.S.C. 1681n-Civil liability for willful noncompliance, 15 U.S.C. 1681o-civil liability for negligent noncompliance, 15 U.S.C. 1611-criminal liability for willful and knowing violation, 15 U.S.C. 1692k-civil liability, 15 U.S.C. 1640-civil liability and violation of 15 U.S.C. 1601-truth in lending act. Employees of XXXX XXXX and Consumer Reporting Agencies will be held accountable for criminal conduct and misconduct. They've violated 18 U.S.C. 1001-falsied information and concealment, 18 U.S.C. 1038-falsifeid information regarding a hoax and 15 U.S.C. 52-dissemination of falsified information
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-05-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMPUTER SCIENCES CORPORATION (TX)

CSC Logic Inc,   XXXX   XXXX   XXXX   XXXX  TX  XXXX  received a lump sum payment of to the account for a   XXXX    XXXX   XXXX   XXXX , The company states I was sent to collections because I did not pay for 27 days. As a customer,  CSC lo gic failed to disclosed that I was late on payment. As a customer I thought the lump sum payment would cover my payment for the month of  XXXX . The lump sum was paid on  XXXX   XXXX  and the last day to pay for the month was  XXXX   XXXX . I called on  XXXX   XXXX  and the company advises me that I am 37 days late for payment, when I did not receive any collections calls for payment of this bill. Or any follow up mail stating that my account was going to be sent to collections. It is outraging that a company can hurt your credit sending you to collections because you are late on a payment, when in fact they did receive payment, in fact, the loan was almost paid in full.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

Last year XXXX I was approved by Chase Bank for Loan modification, saying that If I make my payment in 3months they would permanet it. I made the first paymet in XXXX. In XXXX when I called to make the second payment I was told that my morgage has been transffered to another finace agent, without no notice letter. After about XXXX calls i finally received the number of the other finace agent. To find out that my loan was transfferd to money collect agent. I made the second and third paymanet. To my suprise this company are treatning me with a lots of letter to forclose my house and also claiming that am owing some money that have to pay. I will be glad if my case is investigate accordinly and if any document is needed, I have all documents to provide.
Consumer complaint received 2015-10-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (FL)

On XXXX XXXX, Rushcard performed a so called update and stated that it would last for only a few hours. Unfortunately, the issue evolved into a much bigger problem leaving me without access to my funds or using my debit card for almost a week. I called Rushcard for a week straight and stayed on hold for over an hour with no resolution. I get paid on Fridays and my check did n't post until Saturday morning. Now my paycheck that I should 've received on Friday, XXXX, I would 've got paid again. However, today on Wednesday, XXXX, I still do n't have my funds on my card. My employer sent the deposit over and Rushcard has n't given me access to my funds.
Consumer complaint received 2022-02-15
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. (UT)

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 from my credit report immediately.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (NC)

I was involved with the credit karma misleading promotions of credit cards. It stated I have been pre approved for a credit card in 2020. I kept on applying for different cards only to get denied. This has adversely affected my credit. The company stated I was pre approved. Then I got denied on multiple occasions
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Funding is reporting inaccurate information on my credit profile ( XXXX, XXXX, and XXXX ). They are reporting a balance of {$750.00} ; however, I satisfied a judgment through payroll garnishment ( last payment being on my XXXX/XXXX/16 pay period ), but the company is still reporting a balance on my credit report. They have been reporting this inaccurate information for over a year now, which is a direct violation of FCRA. By publishing these inaccurate items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Midland Funding failed to ensure that the information furnished to the CRAs was accurate.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (CT)

on XXXX XXXX 2016 rush card deposit my ssi money would not let me access my money for 10 hours I have proof of it on XXXX XXXX 2016 rush card deposit my ssi money would not let me access it for 3 hours I called corporate office woman said deal with it
Consumer complaint received 2022-08-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I currently have an account with mr. Cooper. It is under my brother 's name XXXX XXXX, i am on the title of the home. I applied for the homeowners assistance fund since i lost my job aince XXXX and i finally got approved for mortgage and bill assistance. They still have yet to disburse payments and i have called and emailed for some answers and no one will respond to me. They even asked me to upload new bills because the old bills i had uploaded for assistance were since XXXX. They awarded me the amounts from XXXX, not XXXX since XXXX 's bills were higher. My utilities are beinf cut off soon. Can someone please help me? My app number is XXXX
Consumer complaint received 2017-02-07
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CA)

I was transferring money to a friend using my paypal account. Paypal first uses your paypal balance, and if it is not enough funds, it automatically draws the remainder of funds from a bank account. As I was making the payment, I noticed it was pulling from an old account ( XXXX bank ). I canceled the proposed payment and changed the " default / preferred '' account to the new account ( XXXX bank ), which was already linked to my paypal acount. I received an email saying that from now on, the new account would be used. I then made the payment, and it drew from the old account. I called them and they said I should have waited half an hour ( Even though I received a confirmation email saying it was available instantly ). They would not cancel the payment, even though it takes XXXX3 days to process and the error was on their end. Now I am afraid I will overdraw the old account and be charged fees.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX fraudulently reported a foreclosure for a XXXX mortgage that never existed. I never received notification of any kind on this account. I never took this loan with XXXX. XXXX has not produced actual signed papers proving that I took this loan. Unfortunately I have no supporting documents because there are none. I am a XXXX Veteran and was suffering from XXXX at the time I took my {$140000.00} mortgage. All of the problems with XXXX were originally caused by my need for a XXXX XXXX. XXXX abused their authority by fraudulently promising a mortgage modification and dragging the results out for three years. The end result is a predatory loan that was originally {$140000.00} and is now {$160000.00} and is {$100000.00} underwater. My modified loan is 24 years at 3.75 % and at the end of 24 years I get to make a balloon payment of {$100000.00}. I paid a lawyer {$5000.00} to represent me in this modification. Any reasonable person would never deal with XXXX if they knew the rules and procedures XXXX employees have to follow. XXXX is responsible for ruining at least seven years of my life. I am now XXXX and I can not afford to have this financial predator to continue to abuse me. I think it is a shame that the credit bureaus are allowed to keep derogatory reports for seven years. People do n't do seven years for XXXX in this country. If it were three years I think the economy would blossom. Also at the time of my modification XXXX promised to remove all the late payments that they were responsible for. I was told not to pay because my modification was on the horizon.
Consumer complaint received 2022-09-06
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. (NV)

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX XXXX? I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus, but the comments sections verifies my requests were received by the credit bureaus. The informaiton on my credit report is still wrong.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Back in XX/XX/2019 Experian received a certified mail ( XXXX ) from me with a letter requesting an investigation for few violations in my credit report ... 
In XX/XX/2019 EXPERIAN reply to me with the same violations and as proof I am attaching and indicating violations in their owm report with pictures ... 
_____________________________ XXXX XXXX XXXXwith a monthly payment in a charge-off collection.. Violation # 1..

_____________________________ XXXX with past due balance in a collection account.. Violation # 2 ...

______________________________ XXXX XXXX XXXX. With Past due Balancr in a collection account ... Violation # 3 ... 
______________________________ XXXX XXXX with a Past Due balance in a collection account ... Violation # 4.. 
______________________________ In this complaint I am attaching your own report with the violations in a circle and as you can see the report show " before '' and " after '' investigation where EXPERIAN keep reporting violations of the federal law and must be remove this accounts from my report inmediatly ...
Consumer complaint received 2017-03-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Idaho Housing And Finance Association (IA)

Any time that I need to contact Home Loan Serv regarding my mortgage loan, I am never able to contact anyone. I am placed on hold for a timeframe around 5-8 minutes when I am forced to disconnect or leave a voicemail. I have never, not once, received a call back when a message is left. I have currently been attempting to contact to update my payment information as I have switched to a new account and my old account is no longer in use. I am unable to add a bank account via their webpage, and now I am unable to contact anyone on the phone. I have also noticed information regarding my payments being applied to my principal balance does n't appear to be accurate, but again I am unable to speak with anyone to discuss further.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: FIRST CHOICE LOAN SERVICES INC. (CA)

We received the final closing disclosure from the lender prior to close stating we would need {$3200.00} to close. The day the notary showed up he had a paper saying we 'd need {$3900.00} to close. I showed him our disclosure and he said that ours must be right and they must have made a mistake on his end and accepted our certified check for the lower amount. Today ( the following week ) the lender called and said we could n't close on the loan because we were short {$680.00}, having only provided a check for the lower amount, and we 'd need to drive XXXX miles to the title company with the extra funds today to prevent the loan from falling through. I feel it is deceptive for this " bait and switch '' demanding nearly {$700.00} extra at the last second in clear discrepancy with the closing disclosure we were provided.