davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

My school loan is overpaid. AES ' defense, " It just looks like we charged you twice ''. No, I was charged twice and the mistake happened when the loan was consolidated. Their records show that and my records show the same. Thus far I have paid {$87000.00} and owe another {$2300.00} which will equal around XXXX on a loan that was originally XXXX. They have a balance of {$69000.00} because they charged me twice. The interest paid from XXXX to XXXX is {$11000.00} on XXXX NOT XXXX at a supposedly 3.25 interest rate but was actually charging me 6.5 on a fixed rate. The department of education has no record of this because AES never reported my information. However, other lenders/servicing companies sent all my school loan information. They were so transparent they can't be questioned -- but not AES. 

So, why hasn't AES refunded my money. Simply, stating " It just looks like I overpaid doesn't cut it because it's OVERPAID. Also, I received a promissory note that I never signed which is fraud. AES has misapplied and misappropriated my loans for years. AES is just as bad as XXXX.
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (OH)

I HAVE BEEN DISPUTING THESE ACCOUNTS/COLLECTIONS FOR YEARS WITH EXPERIAN, XXXX, AND XXXX. I HAVE PROVIDED POLICE REPORTS OVER THE YEARS IN WHICH THE CONSUMER REPORTING AGENCIES VERBALLY STATED THEY DO NOT KEEP ON FILE. AS A VICTIM OF IDENTITY THEFT I FEEL MORE LIKE THE CULPRIT. I AM EXHAUSTED WITH THIS PROCESS AS THEY CONTINUE TO IGNORE MY DISPUTES AND MY REQUESTS FOR THE ORIGINAL DOCUMENTS THAT ARE FURNISHED BY THESE CREDITORS AND THEY REFUSE TO DO. I HAVE BEEN TOLD THEY ARE NOT ENTITLED TO PROVIDE SUCH PROOF. PLEASE HELP ME IN THIS MATTER. 


COLLECTIONS/ACCOUNTS XXXX XXXX XXXX {$4500.00} XXXX XXXX  {$750.00} Dept of ED {$1500.00} Dept of ED {$670.00} Dept of ED {$3600.00} Dept of ED {$3600.00} DEPT OF ED {$1900.00} DEPT OF ED {$6600.00} DEPT OF ED {$4200.00} DEPT OF ED {$2700.00} DEPT OF ED {$2600.00} DEPT OF ED {$1500.00} DEPT OF ED {$1600.00} DEPT OF ED {$2400.00} DEPT OF ED {$2600.00} DEPT OF ED {$9500.00} DEPT OF ED {$2600.00} XXXX XXXX I HAVE NO KNOWLEDGE NOR DID I AUTHORIZE THE INQUIRIES LISTED BELOW XXXX  XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

To whom it may concern, I would like to file a complaint with PHH Mortgage in a matter concerning the removal of my mortgage insurance removed. 
I first contacted PHH by phone around XXXX XXXX to find out how I can request an appraisal on my primary residence to document I have sufficient equity with an LTV of equal to or less than 80 %. This home was purchased in XX/XX/XXXX. I was told that a letter would be sent to my residence by mail and I can expect to receive it within 5-10 business days. 
After receiving the letter, I contacted PHH again to clarify if the same type of appraisal would be required if I was documenting I made sufficient improvements to increase the value of the home since the purchase date or what the home is worth in the current market having been seasoned at least two years. I was told that the same appraisal type would be used for both and their seasoning requirement was based on the date of the first mortgage payment. 
I sent a check to PHH in the amount of {$150.00} for the cost of the appraisal. It was cashed on XXXX and I have yet to have an appraisal scheduled. I am now writing this letter on XXXX after multiple phone calls with PHH on XXXX, XXXX, XXXX and XXXX. Each time I am told that my matter is being escalated to the proper people and I am also not provided a definite reason as to why it can not be scheduled. 
I finally informed them that I would be placing a complaint with the FCPB if I did not have an appraisal scheduled by XXXX. I have had no further contact since then. I relayed my concerns to the agent that I feel PHH may be waiting out the current market with interest rates rising in an attempt to impact the value of my appraisal. 
Per the letter I received from them, I can expect to wait an additional 15-20 business days for them to review the appraisal after it is completed. ( This letter is attached with the complaint ). I am now 26 business days after my check was cashed without an appraisal scheduled and can expect to wait at least another 15-20 after the appraisal is performed. 
Please let me know if you can be of any help in this matter.
Consumer complaint received 2022-04-23
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. (OH)

I HAVE BEEN DISPUTING THESE ACCOUNTS/COLLECTIONS FOR YEARS WITH XXXX, EQUIFAX, AND XXXX. I HAVE PROVIDED POLICE REPORTS OVER THE YEARS IN WHICH THE CONSUMER REPORTING AGENCIES VERBALLY STATED THEY DO NOT KEEP ON FILE. AS A VICTIM OF IDENTITY THEFT I FEEL MORE LIKE THE CULPRIT. I AM EXHAUSTED WITH THIS PROCESS AS THEY CONTINUE TO IGNORE MY DISPUTES AND MY REQUESTS FOR THE ORIGINAL DOCUMENTS THAT ARE FURNISHED BY THESE CREDITORS AND THEY REFUSE TO DO. I HAVE BEEN TOLD THEY ARE NOT ENTITLED TO PROVIDE SUCH PROOF. PLEASE HELP ME IN THIS MATTER. 


COLLECTIONS/ACCOUNTS XXXX XXXX XXXX {$4500.00} XXXX XXXX  {$750.00} Dept of ED {$1500.00} Dept of ED {$670.00} Dept of ED {$3600.00} Dept of ED {$3600.00} DEPT OF ED {$1900.00} DEPT OF ED {$6600.00} DEPT OF ED {$4200.00} DEPT OF ED {$2700.00} DEPT OF ED {$2600.00} DEPT OF ED {$1500.00} DEPT OF ED {$1600.00} DEPT OF ED {$2400.00} DEPT OF ED {$2600.00} DEPT OF ED {$9500.00} DEPT OF ED {$2600.00} XXXX XXXX  I HAVE NO KNOWLEDGE NOR DID I AUTHORIZE THE INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2022-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I took out this loan. I was paying on if for 2 years prior to Covid19 and my balance never changed. Covid19 hit, I list 6 family members to include my mother. I have had my own battles with XXXX I have siblings with long term symptoms. Several people remain out of work today. A lot has been placed on me! I can no longer make payments in the amount that they want. I asked for an interest rate reduction. I need a permanent reduction in the payment and the interest rate. The majority of my payments go to interest. At this rate it will take way to long to pay this off. They have pushed some payments to the end of the loan. When the time frame comes to an end I am still not able to pay the entire payment. The majority of my payment still goes to interest. I asked for them to forgive all or a portion of the loan. They will not do either. Im going back and looking over my loan, the interest rate is tremendous. I am pretty sure they have broken the Usury Laws in Georgia. I feel that I am a victim of Predatory Lending. They were also sued in Virginia for Predatory lending practices. as recently as 2018. I just need some help!
Consumer complaint received 2022-04-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (GA)

XX/XX/2020 3 vehicles were to be sold by my Power of Attorney ( later referring as POF ), he took the vehicles across state lines to use them personally/business without my consent or knowledge of vehicles taken across state line as they were to be sold locally. A police report was made, we tried to repossess them ourselves, he hid them 3hrs away from his home. 

During that process to retrieve them, the insurance company XXXX and XXXX. Neither paid out on the vehicles. 7 months lapsed because " POF '' refused to return them, we were in constant contact with PNC Bank, provided police reports. Each vehicle was found, an arrest was made on those tried to store them at a storage facility, but no arrest made on the POF. On the XXXX day, I changed POF, PNC Bank stated " The new power of attorney had to get verified and would take 22 business days for the verification to gain access as well as make payments on my account as we were unable to make payments during the time frame because of the verification period. 30 more days past due to that verification to verify in which pushed the account into " Closed '' status of 120 days policy at PNC Bank. my accounts were all affected by their verification period policies and also damaged my credit due to that waiting period. PNC Bank refused to re-open or restore the accounts to " OPEN Accounts '' after providing as well my POF was in constant contact with their bank during the entire time-frame to make on time payments.
Consumer complaint received 2022-04-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (DC)

I purchased a car with Santander Consumer USA in XX/XX/2020. This company is still practicing predatory lending practices. My amount financed was {$22000.00}. My finance charges were {$23000.00}. More than the purchase price of the car. Two years of paying nothing but finance charges and I still owe more on the car than what I financed it for. There is nothing truthful about their lending practices.
Consumer complaint received 2022-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I HAVE BEEN DISPUTING THESE ACCOUNTS/COLLECTIONS FOR YEARS WITH XXXX, XXXX, AND TRANSUNION. I HAVE PROVIDED POLICE REPORTS OVER THE YEARS IN WHICH THE CONSUMER REPORTING AGENCIES VERBALLY STATED THEY DO NOT KEEP ON FILE. AS A VICTIM OF IDENTITY THEFT I FEEL MORE LIKE THE CULPRIT. I AM EXHAUSTED WITH THIS PROCESS AS THEY CONTINUE TO IGNORE MY DISPUTES AND MY REQUESTS FOR THE ORIGINAL DOCUMENTS THAT ARE FURNISHED BY THESE CREDITORS AND THEY REFUSE TO DO. I HAVE BEEN TOLD THEY ARE NOT ENTITLED TO PROVIDE SUCH PROOF. PLEASE HELP ME IN THIS MATTER. 


COLLECTIONS/ACCOUNTS XXXX XXXX XXXX {$4500.00} XXXX XXXX {$750.00} Dept of ED {$1500.00} Dept of ED {$670.00} Dept of ED {$3600.00} Dept of ED {$3600.00} DEPT OF ED {$1900.00} DEPT OF ED {$6600.00} DEPT OF ED {$4200.00} DEPT OF ED {$2700.00} DEPT OF ED {$2600.00} DEPT OF ED {$1500.00} DEPT OF ED {$1600.00} DEPT OF ED {$2400.00} DEPT OF ED {$2600.00} DEPT OF ED {$9500.00} DEPT OF ED {$2600.00} XXXX XXXX I HAVE NO KNOWLEDGE NOR DID I AUTHORIZE THE INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ive been a Capital One XXXX customer for over 1 year. I have never missed a payment and have charged my card to the limit multiple times in a month and have paid it off numerous times. Ive seen my available credit increase the same day and time Ive scheduled a payment, or immediately the next day after the payment has been posted to my account. 
On XX/XX/XXXX, I made a payment on my Capital One for over {$290.00} and the payment was processed and posted to my Capital One account. On XX/XX/XXXX the payment had been withdrawn from my XXXX XXXX  XXXX checking account the same way its processed each time I make a payment. 
On XX/XX/XXXX, my available credit on my Capital One account was still without the over {$290.00} payment and my XXXX XXXXXXXX XXXX account balance was - {$290.00} from the credit card payment. Since this was the first time I experienced this issue, I called Capital One immediately for support. 
A tier 1 and senior support rep informed me that this was random and that they placed a hold on my credit card to confirm that the payment goes through on my checking account ; even though I have no history of missed payments or returned payments. Capital One even called XXXX  XXXX XXXX to confirm payment- which was being processed in my checking account with available funds and no further transactions scheduled either. 
XX/XX/XXXX, all payments have been processed through my checking account, still - {$290.00} available credit on my Capital One card. 
I feel disrespected as a customer. I feel manipulated and taken advantage of as Capital One has my payment and has not even brought my available credit limit to reflect the payment, but theyre saying that the hold want be lifted for 7 days meaning theyll have payment for 7 days, Ill be without the money in my checking account or credit availability on my credit card.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written 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 or deleted. I have not received a response from the credit bureaus. Isn't it true legislation passed during the pandemic requires XXXX to remove all late payments from my credit report?
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am a loyal XXXX customer, currently on my XXXX lease. In early XX/XX/XXXX, a XXXX XXXX convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for XXXX XXXX XXXX ( XXXX ). The check was delivered on time. XXXX deposited the check, but, apparently, did not apply it against my account. XXXX started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and XXXX should figure it out with the dealer. Instead, XXXX reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with XXXX they demanded the front and back of the check that the XXXX dealer sent them. XXXX refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from XXXX dealer. XXXX admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to XXXX  by mail. XXXX has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. XXXX has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.
Consumer complaint received 2022-04-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (VA)

On XX/XX/2021, I realized that my escrow and mortgage had increased by XXXX XXXX dollars from the previous amount. I did not know that this was not normal until that same amount increased a full XXXX more in XXXX. At that moment, I did some investigating. I found out that the mortgage and title company failed to submit a tax certificate request as the property I purchased was going through renovation. This has caused me to overpay XXXX in city taxes. The city of DC acknowledged the mistake and provided me with an updated statement showing a credit in my account. First Mortgage has still not made the approximate updates to retrieve my payment of the city taxes.
Consumer complaint received 2022-04-23
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. (GA)

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 Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # : XXXX, has violated my rights. 
-XXXX  XXXX XXXX  Account # : XXXX, has violated my rights. 

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
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

was away for about a month ordered computer XXXX end never got it called XXXX XXXX several itmes no response they just keep saying they show it DELIVERED i dont have it i got home yeaterday my friend was taking in my mail no computer here please refund XXXX and get it from XXXX XXXX. thank you they dont respond when i called dispites capital one person barely spoke english hung up on me. never got XXXX computer XXXX XXXX please refund asap NEVER received perhaps delivered but i got and friend found nothing i have rights please refund
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance Corp as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!!
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I received a credit alert from XXXX XXXX stating I have a new alert. Someone opened an account in my name from XXXX XXXX on XX/XX/2022 that I didn't apply for. The credit limit of {$5000.00}, high balance of {$3100.00} and available credit of {$1800.00}. I don't know this company and never applied for any line of credit from this company so I am filing fraud.