davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (NJ)

Sent first dispute letter out on XX/XX/XXXX its was received and signed for on XX/XX/XXXX took them past 31days until i recevied a response, I sent them a second dispute letter that they received on XX/XX/XXXX telling them to remove the account from my report they failed again to respond and did not update " to in dispute '' on any of my credit reports or remove the account off any of my credit report i direct violation Fair credit reporting act, i want this account removed from all reports
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NJ)

I was living in XXXX XXXX XXXX XXXX XXXX XXXX in from XX/XX/XXXX to XX/XX/XXXX. I had a two bedroom second floor apt XXXX XXXX XXXX. In my bedroom there was a roof leak when it rained. I removed paint on walls to find mold, I did a Mold test. It was positive for Black, Brown, Green Mold. I told XXXX about it and they sent a maintainance man over and he painted it wit XXXX just to cover the stain and repainted it. I became very sick with XXXX XXXX XXXX XXXX. I moved for 1 month to a one bedroom, I was told by my XXXX XXXX XXXX XXXX I need XXXX  XXXX, XXXX, and XXXX XXXX XXXX. I lived in XXXX alone, I had to move back to XXXX where I am currently living and since have advanced to XXXX XXXX XXXX XXXX XXXX which XXXX from XXXX to XXXX. I have 2 of the same collections on my credit report from XXXX XXXX ... ... XXXX.the Legal Dept I spoke to said they were two duplicates of same debt. The Debt is not even acuurate to start with as I paid my rent and had to leave for Medical reasons my XXXX believes is form environmental Mold in Apt . I am XXXX from the XXXX, and in treatment for the rest of my life till I die. I will be needing housing as my final resting place as I currently live with my XXXX yr old Father who has had XXXX XXXX, I can not get approved because eof these False Derogetory Marks on my Credit Report. I do not have funds to hire an Attorney as I um under Poverty Level by XXXX State Law. I became ill because of XXXX XXXX, Never was late on my rent was an excellent tenant ... and this is now at the end of my life what they are trying to do.False debt,2 of same when I owe nothing to begin with paid rent and I believe they used my security when I HAD TO LEAVE. I am not a Deadbeat ... I pay my bills. Iam willing to settle even though this is a False Bogus Debt x2, for {$100.00} dollars to have this removed both from my credit report, I have contacted local news and TV of this. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. My current XXXX is XXXX XXXX XXXX Director of XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, if you need to verify the status of my illness. I should be suing them for my XXXX, but instead they are nasty in the Legal Dept and will not remove at least one of the False Debts, never mind both. Thank You for uour time and consideration.
Consumer complaint received 2017-09-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

I WAS IN A CAR ACCIDENT XX/XX/XXXX,2017. MY CAR WAS A TOTAL LOST. I LIVE IN MARYLAND. THE NEW LAW IS WHEN A CAR IS A TOTAL LOST. THE CONSUMER DOES NOT HAVE TO PAY ANY BALANCE TO THE LOAN COMPANY. THE LOAN COMPANY HAS A OPEN ACCOUNT IN MY NAME FOR XXXX. THIS IS NOT TRUE. AND IT IS SHOWING ON, ON MY CREDIT REPORT. I WOULD LIKE FOR THIS TO BE REMOVED OFF MY CREDIT BECAUSE THE INSURANCE COMPANY HAS ALREADY PAID THERE PORTION.
Consumer complaint received 2017-11-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

I have paying them since 2007 an average of {$300.00} per month. Since then they changed my payment several times, the changed their name to Navient from XXXX XXXX. I lost my paperwork in the hurricane Katrina while living in Florida. I have requested several times that they send me the original agreement and terms. I have received only lip service. 
I see they have settled several class action suits ( I was not privy to ) because of their practices which border on usury. I do not believe that owe them any monies however they claim over {$30000.00}. How is this possible when I have paid them around {$36000.00} and my loans were not that much. They are keeping me in debt and in the dark. I have tried the states atty. general. No luck only sorry contact our ombudsman who still refuses to send me the original docs.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NJ)

PHH Mortgage Corporation ( PHH ) conspired with my XXXX XXXX XXXX ( XXXX ) XXXX to steal my {$250000.00} co-op unit with an {$85000.00} XXXX XXXX backed mortgage and knew that XXXX unlawfully seized my co-op unit onXX/XX/XXXX. XXXX did not have a warrant or judgment in violation of Recognition Agreement which was signed by PHH, XXXX and me. XXXX claimed that it unlawfully seized my co-op because I did not pay {$8100.00} in alleged past due maintenance. PHH was under contract to intervene, pay past due {$8100.00} maintenance if necessary or sue XXXX board for violating the Recognition Agreement. Instead of enforcing the Recognition Agreement or Loan Share Agreement with XXXX XXXX, PHH did nothing to help me get back my co-op unit and worked with XXXX to make the theft of my co-op unit permanently. 
On XX/XX/XXXX, PHH and XXXX tried to sell my co-op unit in a private sale. 
From XX/XX/XXXX through XX/XX/XXXX, PHH in violation of our Recognition Agreement reported my mortgage late to credit card bureau knowing that I did not live in my co-op unit, was being illegally barred from my co-op unit by XXXX since XX/XX/XXXX to damage my credit. PHH refused to allow my mortgage to go into foreclosure to cover-up the crime committed against me. 
On or about XX/XX/XXXX, XXXX notified me of illegal sale of my stolen co-op unit on XX/XX/XXXX, and surplus {$100000.00} put it in XXXX XXXX XXXX of New Jersey. 
On or about XX/XX/XXXX, PHH sued me in case XXXX XXXX vs. XXXX XXXX which PHH was not a party for the entire {$100000.00} to circumvent mortgage foreclosure laws. According to my XXXX for XX/XX/XXXXmortgage statement, I still only owed {$85000.00}. On XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX opposed PHH Motion. PHH hired new attorneys and put through the same lawsuit in XXXX XXXX on XX/XX/XXXX, NJ XXXX XXXX XXXX XXXX XXXX opposed its motion. 
On XX/XX/XXXX, I received a letter from PHH claiming my mortgage was paid in full. I have enclosed a Certified Letter to XXXX XXXX XXXX XXXX XXXX New Jersey dated XX/XX/XXXX, to see PHH collected any money from my stolen co-op. 
XXXX and PHH broke into my unlawfully seized my co-op, stole all of my belongings and illegally sold my co-op unit. I did not receive a penny. 

PHH was a part of the criminal ring and continued to report my mortgage late to credit card bureau through XX/XX/XXXX, knowing that I was unlawfully barred from co-op unit since XX/XX/XXXX, and XXXX illegally sold the co-op on XX/XX/XXXX.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase Bank abruptly closed ALL of my checking ( s ) and savings accounts without notice and without reason, no explanation was ever providedon XXXX XXXX, 2017 day before XXXX. Chase bank also returned my outstanding checks, even though there was sufficient funds for them to clear. Additionally, Chase informed me that due to the alert on my checking and savings accounts, no checks, electronic drafts or any payments would clear my accounts. Again, without an explanation or reason. Despite the fact that until now, Ive maintained excellent credit and have had over a 15 ( fifth-teen ) year relationship with Chase bank. 
Consumer Harm : Chase bank has inflicted irreparable harm upon my credit worthiness, character, financial good name and honor. It refuses to honor my direct deposits, and release available funds from my checking account to vendors for remittance of payment. Since XXXX XXXX, XXXX, day before XXXX all of my outstanding checks have been returned unpaid. The banks fraud department continues to deny me access to withdraw my funds and close-out my accounts. This treatment is a severe form of harassment and bullying -- -toward a depositor, and consumer account holder. Please urgently investigate the matter. Thank you.
Consumer complaint received 2017-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (SC)

I have an alleged medical debt in the amount of {$6300.00} reporting to my credit currently by XXXX XXXX XXXX, in error. I have attempted to dispute this matter with the agencies as well as I have requested validation on this account. This has been falsely reporting to my credit report and has caused major damage to my score. Please note that I was unemployed from XX/XX/XXXX- XX/XX/XXXX of 2016 and did not have any funds for any of my bills at the time. I fell behind on everything from my car payment, which was eventually repossessed, my credit cards went into default ( however XXXX XXXX worked well with me and I am proud to say I was able to get it taken care of ), my insurance lapsed, as well as I was unable to come up with my rent during this time. I was also in school at the time and was having to find ways back and forth to ensure that I would not fall behind on my education. I am doing the very best that I can but do not know what to do at this point. I am attempting to work on my bills but do not find it fair that I would be responsible for things that are not mine. Please help me get this matter resolved. I do not want to result to litigation regarding these types of matters but I do n't know if I have any other choices. Please tell me what I should do????
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC has aggressively continued to report unfavourable remarks on mu credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX I purchased two couches, ottoman and a table from XXXX XXXX in XXXX Missouri for {$2800.00}. XXXX XXXX used Capital one as a lender for the purchase. We have been waiting for a card in the mail to set up an online account to pay for this purchase. While waiting on the card we made a phone call and payment on XX/XX/XXXX since the card had not arrived. Last month I called Capital one and they said they could not give me any account information to set up my online account and that the card would be sent to my address to set up my account. I called them today XX/XX/XXXX CST and was transferred to the fraud department to a lady in XXXX XXXX who couldnt help me unless I knew a passcode for the account, and since I didnt even set an account up she said I couldnt be verified of who I am unless I send a copy of my social security and drivers license. Her other option was to go to a local capitol one bank which I cant do because I am overseas in XXXX, and the closest Capital One bank to my home of record I could find was in Texas. I requested to speak to somebody stateside and she transferred me to a Supervisor named XXXX who claimed to be in Florida. She realized that I was not referring to an old account which was closed, and she said the furniture department has a different number I must call. She gave me the following number XXXX. I called this number and a machine answered and asked for an account number which I do not have or my social security. My credit report is already reflecting late payments for this month, and I have no way of setting this account up. I dont know if my last payment even went towards the XXXX XXXX account since Capital one keeps referring to an old closed account I had for a vehicle. The number they had provided I tried looking up on the internet but I could not find any contact information for, so I dont feel comfortable giving my social security number to the machines request. The number I used to contact Capital one was from their website under General Customer Service : XXXX. I am just trying to set up my online account so I can pay my bills while overseas, and I am at a dead end. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Missouri, XXXX Sales Person : XXXX Invoice : XXXX Phone : XXXX Capital one : XXXX Webpage : https : //www.capitalone.com/contact/
Consumer complaint received 2017-11-27
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: ALLY FINANCIAL INC. (GA)

I questioned the charges at lease termination in XXXX 2017. I requested a copy of the lease because I misplaced mine. I reviewed it and sent them the following letter : Dear Sirs : I received your bill in XXXX for the lease settlement costs. I questioned the charges and requested a copy of my lease. Now that I have received and reviewed it, I have the following questions : 1. You invoiced me at the rate of {$32.00} per day for 23 days, a total of {$730.00}. The amount, according to the lease, should have been {$690.00} ( calculated as XXXX ( Section 29 of the Agreement ) times the Residual Value of {$17000.00} ( Section 7d of the Agreement ) times 23 days. 
2. Your charge for excess wear on two tires exceeds the cost of two new tires of the same brand and type, XXXX XXXX XXXX. Ive enclosed a copy of an on-line ad, and there were several at similar prices, showing new XXXX XXXX XXXX tires to be {$120.00} each. You charged me {$190.00} for each tire. That seems a bit much to me. Again, there are tires on the vehicle, you are only supposed to be charging for excess wear, not a replacement tire. 
3. You charged me {$110.00} for a missing Center Console Vent Trim. Honestly, I cant understand how it would be missing, if it was ever there. I am single. If anyone sat in the back seat, it was rare. I cant imagine them stealing the vent trim. Regardless, the item is {$18.00} on ebay. Hard to see how it could cost you more than 6 times that amount to obtain one. 
4. The allowable mileage on the lease was XXXX. The mileage at the end of the lease was only XXXX. I understand there is no credit for unused miles, but in view of this and the reasons I put forth above, the other charges appear excessive to me. 
I think the cost would be acceptable somewhere around {$800.00}. Above that I truly feel I am being unfairly gouged. 

They called repeatedly, standard collection calls. I told them I had questioned some of the charges. I never ... NEVER ... received a response to the letter I sent in XXXX, neither by letter or telephone call. I did finally speak with someone who said that they could see that my questions had been reviewed and that the conclusion was that the charges were correct. No other explanation. I walked this person through the calculation of the fee for excess days and they concurred I was right and said they would ask again for it to be reviewed and I should check back in a week. I believe this was in XXXX. I did check back and got the same answer. It had been reviewed and it was correct. No other explanation for where the charges came from, why they were using the amounts they did, why the calculation was wrong per my reading of the contract. Nothing. So we have reached an impasse. I can not get any explanation for the charges, or any answers to my questions. I have never had a company just tell me I owed something and not be willing to explain where the amounts they want to charge me come from.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my credit report and noticed that this account was not reporting accurately. I had one late payment and it says it was paid by collateral which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXX XXXX XXXX. with highest balance of XXXX XXXX and it was opened on XXXX, XXXX, XXXX this account is showing false information so I ask for an investigation on this account across all three major credit bureaus. my social security number is XXXX
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (NY)

I was laid off by my employer in XX/XX/XXXX and was making small payments to Discover Student Loans to keep my loans current. I was receiving unemployment benefits from XX/XX/XXXX which have now run out as of XX/XX/XXXX. I called Discover Student Loans and spoke to the representatives and managers to explain to them that I have no income and was on unemployment and they all told me that they can not do anything to defer/forebear my payments. I currently have no income coming in and I am actively looking for employment but can not defer/forebear my loans due to financial hardship with Discover Student Loans because they tell me that I am locked into a payment plan and have to make 6 consecutive payments of the minimum of {$920.00}. I currently have to make a minimum payment of {$1700.00} to bring my loan current as it is delinquent. The Senior Account Manager, XXXX, who I was explaining my hardships to told me that I should " borrow money from someone '' or seek out my co-signer, who is my mother, who is unable to assist me due to her high mortgage payment. They told me that there is nothing that I can do and that my payments will continue to increase and they will report my delinquency to the credit companies. I was able to stop payments on my government loans due to my financial hardship but Discover is refusing to assist me with this since I have a " special private loan '' with them. I have no idea what to do at this point and my credit is completely shot. Additionally, they call and harass me all hours of the day and night and I am at my whits end and I explain my situation to them every time I speak to them and they all tell me the same thing, " there is nothing we can do for you and you have to make the minimum payment or else the loan will go into delinquency and be reported to the credit agencies. ''
Consumer complaint received 2017-09-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK (PA)

Back in XX/XX/XXXX i asked for a extension for my car payment of XXXX and was accepted to not pay my loan till XX/XX/XXXX due date but since i am on a very strict income { fixed }, i have a 10 day grace period and with that said i pay on the XXXX of each month through XXXX. When i accepted the extension 'They asked me if i could pay for it after wards and i said no ' end quote. I have been threatened nagged harassed by this lending company in California and i asked many times to either lower the payments or take the car back either by voulantary surrender or reposession they will not refinance or lower my payments because of PERSONAL HARDSHIP. i only make XXXX month and have rent, utilities, life insurance to pay, medication { XXXX XXXX XXXX XXXX XXXX XXXX XXXX }. These people do not care about anything but getting the MONEY and i need help. A bank took money out of my account after the claim closed because the merchant somehow put the money back in which i think was a fake. I am a victim of ID THEFT SINCE LAT XX/XX/XXXX. Please help me to lower my payments if you can. Thank You
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (TX)

I applied for a job and the employer did a background check. In that report it shows that there is a judgment under my previous name, which was XXXX XXXX XXXX. I changed my name since XXXX, when I became a XXXX XXXX. For the past XXXX years I lived in XXXX XXXX XXXX XXXX California and had no relationship with Discover Bank or Discover Bank XXXX XXXX XXXX company. I initiated my relationship with Discover Bank on XXXX/XXXX/XXXX, when I obtain my current credit card with them. The judgement shows case number XXXX, case name Discover Bank vs. XXXX, XXXX XXXX. The report also shows a match with my DOB. When I pull the case # from the XXXX XXXX XXXX XXXX XXXX is shows the same information but includes a principal balance ( Line XXXX ) of {$4900.00}. I contacted XXXX Customer Service XXXX. on XXXX/XXXX/XXXX, the representative who took my call did a research and stated that when she entered my XXXX only XXXX account shows ( my current credit card with a zero balance ) ; However, when she search by the name and the principal amount she stated that there was an account showing the matched that description. This information was later on confirmed by the representatives XXXX. I requested to have a letter that will clearly state that I only have XXXX account with them ( Discover Bank XXXX, with a XXXX balance and that there are no other account ( XXXX ) with them for the aforementioned principal balance link to me, my SSN, and previous name.
Consumer complaint received 2017-09-22
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. (CA)

Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX