davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance  : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance  : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-24
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 according with the Fair Credit Reporting act 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 2020-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is attempting to collect from an account that is assumed owed by me. i have asked Portfolio Recovery to send me documentation that bears my signature that shows i have a binding agreement with such said account. Portfolio Recovery has sent a billing statement rather than a contract that shows a binding agreement as i have asked for. anyone can print out a billing staement, but a actual contract that shows a binding agreement and with a signature is different as it shows a contractual obligation and verifies the account. i believe that they are attempting to collect on account that they can not prove that legally belongs to me.
Consumer complaint received 2020-05-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Troy Capital, LLC (TX)

With the continuation of aggressive phone calls from XXXX XXXX XXXX, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance owed.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TN)

Dispute # XXXX I would like to reopen the initial dispute that was charged on my Chase Card XX/XX/XXXX, and was being investigated during in XXXX and XX/XX/XXXX. There was a charge on my card from XXXX of XXXX  XXXX for a product that was not received. As the dispute was being reviewed by the company on XX/XX/XXXX, I had a phone conversation with the merchant. We came to an agreement that in place of upgraded I would instead be provided with a premier dealer grade service package that would honor my cars complete services for the next XXXX miles. This package was to be a dealer level service, and would be honored at ALL XXXX locations. The receipt of this transaction was provided and acknowledged through email. After obtaining this service had called XXXX of XXXX. I have previously done business with them numerous times in the past, and they are a preferred dealership where I take my car. I spoke to XXXX XXXX, the service manager, and I was going to bring my car in for service during the holidays. XXXX informed me that they would not honor the service package that XXXX of XXXX XXXX provided me. After this conversation I called and emailed the manager of the XXXXXXXX  XXXX dealership who informed me he would reach out to them and resolve any issues. He also proceeded to tell me I could bring my car to XXXX of XXXX XXXX in the meantime for service. I proceeded to schedule my appointment, however, the soonest I could get my car in was XXXX of XXXX. This was 2 months later. I had no other conversation at this point. It was my understanding that the issue was then resolved. On the day of my appointment time. I promptly went to XXXX XXXX XXXX XXXX at my scheduled time. Upon arrival no one had any indication I was to be there. When they were taking my information I handed the service advisor my " XXXX XXXX '' card. At this point they had no idea of the service plan I was given. They instructed me at this time to speak with a service manager. After a brief conversation he also informed me he had no history of the purchased service plan, and would not work on my car. It has been months, and I have received 0 products or service from XXXX of XXXX XXXX, but yet they have received my money. I have never had a service / purchase history from this dealership. I strongly feel this is a case of fraud. I have uploaded documents to support my case and have them referenced to the case number above.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$220.00} from Creditor : HUNTER WARFIELD, 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 an account without my written instructions.
Consumer complaint received 2023-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (IN)

I went to XXXX schools XXXX  which loan dispensed was roughly XXXX, I went to XXXX which loan dispensed was roughly XXXX. I went to XXXX which loans totaled XXXX. From my understanding we can only take out XXXX in student loans. I consolidated these loans together and somehow somewhere I see my total is XXXX in loans!?! XXXX was paid to EDFinancial and now I still owe XXXX and Im at a loss as to how that is true, when thats the bulk of my loans?! Ive asked for proof and they just said it hasnt all been added yet, youll receive an itemized statement. But I received an itemized statement. The website just says XXXX consolidated loans with no info on the loans that are left, where they originated and how much they were. When I go to the department of education I see the same thing. XXXX consolidated loans, lots of payments but no break down. Ive tried to call but theres a XXXX hour wait. I tried to email and I just got an email back weeks later that said cause thats for the consolidated loans. But XXXX was part of the consolidated loans?!?! It wasnt separate. I responded and they never responded back. While on the phone that day, I set up a Payment plan I was told I only owed XXXX XXXX XXXX a month. I was not told I needed to send in documentation, I was just told I qualified for the XXXX XXXX XXXX  a month. I received an email today stating that due to not providing the required documents I no longer qualified and my payments would be XXXX. I tried to reach out and of course closed and Im sure XXXX  will be a XXXX hour wait on hold. I tried to qualify for help again through the student loan website and I only qualify for a XXXX XXXX  payment! No one is answering my questions, no one is sending me an itemized statement and I cant figure out how I took out XXXX in loans when the limit is XXXX in XXXX! I cant get an itemized statement from anyone to prove I do in fact still owe this much.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NE)

We have been approved by a new mortgage company at a lower interest rate. PHH Mortgage will not honor our request submitted by both us, XXXX XXXX XXXX, and XXXX XXXX, on XX/XX/2020. After multiple, daily phone calls and speaking with multiple representatives, it is clear that this company is stalling vs. just letting us out of this high interest mortgage. 

The final straw is their stipulation for a calculation of payoff quote, they must have an internal appraisal completed. We opened our home to their hired appraiser XX/XX/2020, but after multiple calls and queries, they say, " we can't find her photos. '' The first couple of calls reported " She sent photos in black and white '' Also, we have been unable to get into our established online account to see documentation and payments, etc ... We have been shut out since we made first payoff request. 

Finally, each monthly payment we make is 99 % interest, so far we've made 3 payments AFTER the initial payoff request. ( 3rd -  XX/XX/XXXX coming up ) PLEASE help us get out of this horrible company and start paying on principle. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-05-27
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. (CA)

So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (SC)

I was a victim of fraud XX/XX/2023 I reported it. The bank expedited me a new card and as soon as I received the card they closed my account and I were unable to activate it and when I called the bank I am getting the same read scriptures on their computer telling me to wait for a letter and 30-60 days for them to mail a check out Im sorry I am a single mother of XXXX and who now is facing an eviction. I need this case escalated the fasted way possible
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have sent letters to the bureaus informing them that I was in fact born in XXXX, not XXXX, and i have requested over and over again to validate various accounts that are being reported incorrectly and not once have I even received 1 letter to inform me that they acknowledge my concerns.
Consumer complaint received 2023-02-13
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. (CA)

In accordance with the fair credit reporting act 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. 

In accordance with the fair credit reporting act 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 2020-04-30
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: ALLIANT CREDIT UNION (CA)

The Alliant credit card supposes to make a 2.5 % cashback on all purchases made before XX/XX/2020. Alliant Credit Union changed the policy to limited cashback to {$10000.00} per statement period starting on XX/XX/2020 on a letter dated XX/XX/2020. 

On XX/XX/2020, I make a charge of {$9900.00} on my credit card. They posted my transaction on XX/XX/2020. So Alliant didn't give 2.5 % cashback for all my charges from XX/XX/2020 to XX/XX/2020, as my purchase for the period is over {$10000.00}. Alliant included a charge I made on XX/XX/2020, of {$9900.00}. But this charges should be excluded from the limit as it was purchase before XX/XX/2020. 

They state that the transaction made on Thursday  normally take couple of days to post, but when I look through my transaction, there are transaction made on Thursday that posted the same day or the next day. 

I called Alliant Credit Union regarding this and they were not able to give me the cashback on my XX/XX/2020 transaction.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Back in XXXX of 2020 My checking account was scheduled to be closed and I was told that it was closed. i even got a check for {$8.00} which what I had left in the acct. Well now Im getting letters in the mail stating I owe money for an over draft acct which I was told was closed. When I spoke to the banker XXXX she told me it was suppose to be closed but for some reason it didn't close and i got charge {$15.00} a month for non active status and i asked her if that can be waived since i knew nothing about it. she told me its nothing she could do with the acct.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (SC)

Ive been trying to get help from My loan servicer, AmeriHome Mortgage LLC. Ive applied for the past 4 months for a Repayment Plan. Each time the servicer approves then removes the payment plan without explanation. When I call Im told theres a system glitch or either given some other reason that doesnt make much sense. Each time that Ive called ( at least 15 or more over the past 4 months ) Im questioned, told that I will be helped, granted a repayment plan, the.n 2 weeks later the Repayment plan cancels without reason. Ive been told that its my fault because I made a payment even though the agents ALWAYS instruct me to make a payment as a down payment for the Repayment Plan. Each agent tells me different information and its never clear or consistent. One agent informed me that I was eligible for an additional month of deferment, but that I had to wait and request it after the approval. I waited and requested it. I was informed that, that agent was incorrect and that I was unable to get assistance. On two occasions I was sent the Repayment Plan approval letter ( I have proof via screenshot ). I signed it and returned it and the Repayments was still cancelled. I have called and been told that since I made the down payment Im no longer behind enough on my mortgage to qualify. So I was advised to wait and get behind an additional month. I tried this and was approved, then 13 days later it was cancelled and I was considered 21 days behind because the company had taken the down payment on the day I called. It has been frustrating, devastating, and has exacerbated my anxiety. I recorded the last phone call and the lack of knowledge, customer care, and support was profound. I need help please! Im sure that there egregious actions and constant glitches to their system is illegal and negligent.
Consumer complaint received 2023-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

After closing a HELOC, a predatory mail phishing scheme started sending me confusing mailings. They made it appear that I was late in making payments, but they were actually trying to get my information and mail it here : XXXX XXXX XXXX XXXX TX XXXX I think that its a scam and have not replied. However I have received 6 separate mailings from them and think that they attained my information without my permission. They use red paper to imitate an overdue bill. They are not affiliated with the bank I open the HELOC
Consumer complaint received 2023-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

Im 2008, the housing market crashed. Wells Fargo played a huge role in that. 
How do you pay for a loan modification, only to have the loan of XXXX XXXX, turn into through the modified loan, was to help us. 
It went from XXXX and a reasonable payoff date to XXXX. And extended payoff and a payment plan that would never be paid off. After XXXX we still owe XXXX XXXX on a loan that originally started at XXXX! Had Wells Fargo applied the actual payments we made to the mortgage, instead, we were lied to and forced into a never possibility paid for loan. We have sent enough to prove Wells Fargo has lied and is continuing to lie
Consumer complaint received 2023-02-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (TX)

On XXXX Great Lakes Educational Loan Services Inc. called my phone number XXXX from their phone number XXXX. When I answered the call there was a long pause and a click. They used an automatic dialing device/ an adts to call me in violation of the TCPA. When I asked if they were a debt collector, they refused to answer my question. When I asked if they were trying to collect a debt, they refused to answer my question. I am happy with my student loan provider and I do not want to change companies. I do not want any telemarketing / solicitation calls from them. They do not have my consent to call me in violation of the DNC laws.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Friday, XXXX XXXX, XXXX drive up lane deposit of {$700.00}. Teller deposited funds into someone else 's account. Saturday, XXXX XXXX, I noticed funds were not on my account balance upon checking the bank app. Went to local branch and XXXX ( XXXX ) informed me that XXXX had deposited my {$700.00} into the account she was working on just prior to my transaction. He gave me a case # and told me a manager would have it corrected on Monday, XXXX XXXX after a full business day. It was not. Tuesday, XXXX XXXX, I spoke with XXXX over the phone and he said, if I hadn't heard anything by Weds. XXXX XXXX to give them a call. This concerned me so I called and spoke with XXXX XXXX in XXXX, Ohio. XXXX told me that unfortunately it was a process, but that my case would be corrected no later than Thursday XXXX XXXX and it was not. Friday, XXXX XXXX I went to my local branch and the manager behind the counter acknowledged the mistake and credited my account the {$700.00}. She said, it may " fall-off '' overnight into Saturday but if it did, she would repost the credit. Saturday, XXXX XXXX the account did reflect that the funds " fell-off '' but they were not reposted. Tuesday, XXXX XXXX, I went to the branch once again. They repost the {$700.00}, handed me a balance receipt showing {$1000.00}. I withdrew the {$700.00} back to myself leaving a balance of {$330.00}. XXXX, XXXX XXXX, I receive an alert indicating my account is overdrawn by {$360.00}. I called customer support and XXXX informed me that it looked like I had authorized the withdraw of the remainder of the balance. I told her I only withdrew the {$700.00} leaving the rest for a balance and that i had the receipt. She acknowledged that was the case, spoke with the individual handling the case and they corrected the account. However, she could not tell me if the credit back to my account was permanent or temporary. With that information, I went to a local branch, withdrew the balance of {$330.00} and requested to close the account. The teller, who had no name plate, gave me the funds in their entirety and said they would close the account as soon a pending charge that had already been paid came off. I do have three separate receipts with correct amounts and correct dates but I don't know how to attach as requested as optional.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

We turned in our lease 3 months early because of Covid with over XXXX miles unused and no damage. The car has a bumper to bumper warranty for the first XXXX miles and was in service less than 1 month previously with no driving afterwards except to return it. They are trying to charge us {$1200.00} of which I only agree with $ XXXX monthly rent that was still do, with the {$390.00} disposition fee should be waived per covid making us return the lease. There is no excessive use or damage as they provided no proof of anything. I offered to take back the car since we turned it in early, but they refused!!!! I had planned to make use of the XXXX miles we had left on the lease by constantly driving it and keeping it to the last day. Nissan are thieves and likely this is in retaliation into a lawsuit I have against them in response to the certified used XXXX I bought. This has nothing to do with that lawsuit, but I'm sure they are trying to make things difficult for me since I no longer want to be a Nissan customer after how they treated me with my XXXX.