davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I received a call regarding an old lease that I was unable to keep up with the payments due to health issues and my car taking sufficient damage I tried everything I could to catch up with the payments to property and even went as far trying to work out a larger payment plan along with the rent but they just kicked me out. 
Going in a year down the line I received a call from IQ international debt collections who reached out to me regarding the costs to property and the sum they were requiring me to pay and the conversation didnt start off too bad leading into the conversation it did get a little intense some curse words were being said I apologized multiple times on my end because that agent did not deserve to listen to my complaints she was just doing her job but past that I hung up because I wasnt in listening frame of mind I just needed answers that she was not willing to provide, so I call the next day again apologizing for my actions/verbiage on the last call and this agent ( male ) was very aggressive and kind of threatening he refused to help me was very rude the entire time demanding information even made the threat to withdraw funds from my check and went as far as to say they would take me to court so after a brief exchange of words back and forth the call was ended by the agent, and me thinking it got disconnected I called back at the extension he gave and that call did not go well at all he started screaming when he answered would not reason with me kept demanding I give him information I did not need to provide and continued to threaten legal action towards me and when I kept asking questions for more clarity just trying to show that I willing to be compliant he hung up on me again.
Consumer complaint received 2022-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (VA)

Good evening, 1. I purchased a house on XX/XX/XXXX for {$290000.00} at XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I put XXXX down with a loan amount of {$260000.00} 3. My appraisal at the time of closing was for {$310000.00} 4. I have been paying {$300.00} extra in principal since my first payment on this loan so that I could drop the MIP as soon as possible. 
5. My current balance is {$240000.00} which is below the 80 % XXXX requirement. 
6. I contacted the company on XX/XX/XXXX in writing to request the MIP be dropped. 
7. I followed up again on XX/XX/XXXX in which the representative promised to have the issue addressed no later than XXXX XXXX. 
8. The company has still not contacted me, except to say that my taxes have gone up again, so my payment is increasing in XXXX. 
9. There are no seasoning requirements on this loan. 
Any help would be appreciated.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (RI)

Yesterday I reached out to Edfinancial about receiving a refund for student loan payments made after XX/XX/2020, per the CARES act. They did work relatively efficiently to put the refund in process but quoted an extremely long timeframe for receiving the refund. They initially quoted 50-100 days, then within the same phone call quoted 60-120 days, and later quoted 150 days. This LONG time frame is an outlier among other loan service providers which I heard time frames of 30-60 days. They are also unable to provide confirmation of a refund being initiated even though the refund process has been in effect for quite some time. Its not a new system and not having a confirmation email sent about the refund being initiated is definitely another step away from transparency with the customer. 

Given Bidens new student loan forgiveness announcement made recently, we the students, would like to have a more open transparency about the refund process and when the loans are expected to hit our accounts so that we may attempt to qualify for the loan forgiveness, but as I mentioned, Edfinancial provided an outlier of an estimate among service providers. 150 days. I believe this to be the ultimate lack of transparency.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

JPMCB CARD has reported fake news on all my credit files : - XXXX - XXXX - XXXX My ID was stolen by a XXXX XXXX out of XXXX XXXX County, State of California per IRS CID investigator XXXX XXXX. 

I have notified JPMCB years ago and they continue to report the debt.
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

At XXXX XXXX on XX/XX/XXXX, received an attempt to collect a debt from CBE Group XXXX. Explained that they have yet to send a validation letter and that this debt is under dispute. Please see attachments to letters/ emails to prior collection agency back on XX/XX/21 and email to XXXX XXXXXXXX I told CBE to cease and desist collection activity as this is a disputed debt. Representative said they 'juts got the file ' I advised that they should return the file and mark it in dispute I can certainly afford the {$20.00}, its the principle of the matter. I also have a expetional credit history ( see picture ) which I guard against these type of issues I happen to work in the debt collections business, and it saddens me when players do not follow the correct steps. For the purposes of your investigation 1- Did CBE group purchase this debt from XXXX or from XXXX  XXXX XXXX XXXX XXXX 
2- Neither XXXX nor XXXX do a good job in complaint management handling as neither marked this account in dispute nor allowed it to continue 3- XXXXXXXX, never responded in writing how I requested- and possibly failed to inform XXXXXXXXXXXX or worse sold the debt to CBE
Consumer complaint received 2020-04-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I went to the Santander bank location : XXXX XXXX XXXX, XXXX, NY XXXX. 
However upon depositing the money order which I was told I can deposit it at the atm inside the bank. 
The machine took both money orders of {$1800.00} with out and receipt or error message. 
I spoke to the teller that was working and she gave me a number to call which I did. 
They told me I have to wait until Monday XX/XX/XXXX to see if it will be deposited into the account she then went on to say that if they dont find it there is nothing they can do. 
In this situation THERES NOTHING THEY CAN DO is not what I want to or need to here. I trust that the bank would be able to fix the situation. 
Nobody wants to be loosing {$1800.00} in this time especially not me. 
I cant allow my money to just go down the train.. 
Id appreciate if I could get serious help in returning the money orders or seeing it being deposited into my account.
Consumer complaint received 2022-08-26
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: DISCOVER BANK (OH)

XXXX XXXX XXXX was hired for a deck remodel. There were two payments issued to XXXX XXXX XXXX  for the amount of {$2300.00} on XXXX and {$4300.00} on XXXX. The contract has been uploaded with the terms of the agree upon work. These two transactions were 50 % deposits to have the work completed by end of XX/XX/2021. 

The contracted work was not completed by XX/XX/2021 and we allowed an extension with XXXX XXXXXXXX XXXX for them to finish the deck by XXXX. The deck was not finished and our good will extension was abused by the contractor. On XXXX as the deck construction had not started, disputes were opened with Discover card as we had used the card to pay the deposit. 

Discover card did not reach out until XXXX when they reached out to state that the dispute had been closed and decided in the contractor 's favor. When asked what documentation had been uploaded by the contractor, only a sales receipt has been provided. We had uploaded a timeline, the contracts, pictures of the uncompleted work, and screenshot of the agreement with XXXX XXXX XXXX  who agreed to refund XXXX back to the card as they have not completed the work. 

XXXX XXXX XXXX did not refund the XXXX and we again reached out to Discover with an uploaded copy of the signed agreement on XXXX after giving XXXX XXXX XXXX an additional 4 weeks to refund the deposit. 

Despite photographic evidence, a screenshot of the signed refund agreement, and contracts outlined the agree to work, Discover has refused to process a refund and requires a signed letter from XXXX XXXX XXXX on their letterhead authorizing them to process the refund. This is an unrealistic and undue burden on the cardholder and represents an effort on Discover 's part to skirt the work and effort required to protect the cardholder to small claims court. 

Based on our experience, Discover 's dispute center does not protect the cardholder and we are unsure as to what benefit it can provide for a cardholder. We uploaded a picture of our unfished deck and Discover 's response was that a picture is not proof. When asked what they require for proof of unfinished labor, they were unable to provide an example and refused an offer to have an agent drive to our home and view the unfinished work for themselves.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

On XX/XX/23 I requested a refund of payments made during the COVID-19 payment pause in the sum of {$77000.00} from Nelnet. In XXXX Nelnet transferred my loans to XXXX. Both companies claim the other is responsible for this refund. Both companies also claim I am still to be making payments to both of them.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (CA)

We/I made it clear that the reason for making a bank account in such a distance from our locations is to make accounts at banks that have significant distance barrier from where we are. ( Preferably places where banks have no employees or branches near our residence ). This all happens to coincide while launching a litigation with a local bank in VA. ( 1 ) On XXXX around XXXX XXXX PST  representatives addressed no such concerns. And two external transactions for credit cards were made on XXXX. ( 2  ) Returned a voicemail on XXXX at XXXX XXXX from/to XXXX XXXX but no response was given. ( 3 ) On XXXX at XXXX XXXX PST, Suntrust claimed that mobile access was suspended due to an " investigation '' that was started on XXXX. ( 4 ) However on XXXX at XXXX XXXX, weeks after mobile access was disabled, an email was sent to ask us to check a letter via mobile access. ( Meaning mobile access should have been possible during the time Suntrust was processing this " account closure '' request from us ). Interestingly, the letter stated we were the ones to close the accounts, and not due to an " investigation. '' Finding this odd, we tried make another account, until app access was suddenly revoked during the application process, 4 steps in XXXX XXXX. While we recognize bank 's right to refuse service to anyone, we'd like to say that Suntrust employees had to fabricate reasons to circumvent their own system to terminate our accounts. System emailed to ( a ) after re-enable access, ( b ) ask the users to login/retrieve the notices that accounts have been closed. ( c ) seize access on its own again during another application, ( d ) prevents letter retrieval. ( Not to mention this " intelligent system '' hasn't detected any strangeness beforehand ). System itself didn't detect any wrongdoing or strangeness for several weeks until its employees suddenly " detected '' and started " investigation '' on non-existence issues to claim that we were the ones to ask the account to be closed.
Consumer complaint received 2022-08-25
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 — Investigation took more than 30 days
Company: ASSOCIATED BANC-CORP (IL)

On XXXX XXXX before the end of business day I made a payment over the phone for the first time ever with this Associated Bank I spoke to the representative over the phone, and I was assured I was not going to be late it was on a recorded line. They did their investigation concluded that the representative was incorrect, but the decision remains in that time I did not know that they were going to apply the payment for XXXX because I had 2 days left until the end of the month. I have made similar payments in branch before without a problem and the representative assured me, I would be fine without the company line verbiage that they are trying to communicate telling me the customer that it was not a business day that's their only response That was given to me I was redirected to WE-CARE it was a department that handles the situation they had no compassion for the error they were condescending they belittled me and talked down to and basically told me that's it! after a 3 day investigation in the meantime my score dropped XXXX points and my life is in shambles I have lost of sleep I have never been 30 days late with the company in 4 years. I am ready to go to social media and alert people to not believe what this bank tells you over the phone nothing has been resolved as of yet.
Consumer complaint received 2022-08-26
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. (CO)

We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NE)

XXXX XXXX is reporting that my account is in collections/charge off. It was included in a now discarded chapter XXXX bankruptcy. I have disputed it 3 different times with the credit bureau and they have confirmed the debit each time. When I called them, they said the debit had been sold to Jefferson Capitol Systems LLC. I was never informed of this or contacted by this company about them buying this debit. When I contacted this company, they said I still owe the full amount to them ant refused to take off the balance or report it correctly to XXXX XXXX or the credit bureau. Bankruptcy case XXXX filed on XX/XX/19.
Consumer complaint received 2020-04-16
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. (AR)

I was trying to cosign for my daughter a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy, but he refused to give me the information. I went online and pulled my credit report. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$80.00}
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello : During XXXX of 2022 I noticed that my Experian Credit Score was no longer available. I then received a letter from a credit card company claiming I was deceased. After checking with the Social Security Administration and learning that there was no information leading to me being deceased while checking with FICO who also said they had nothing on me being deceased I later learned after speaking with Experian that XXXX XXXX XXXX is the credit card company responsible for claiming I was deceased. I never had a XXXX XXXX XXXX  credit card and told them this numerous times. 

XXXXXXXX XXXX XXXX should not be in the business of pronouncing someone dead when they are unable to retrieve debt. That's not the right way to go about the problem. I need XXXX XXXX  to make things right and report to Experian that I am alive and that the amount owed is XXXX. Nothing more. Nothing less. What they did was fraudulent and harmful to my credit report. Their privileges of reporting to credit reporting agencies and issuing credit cards should be terminated. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (CA)

I have tried multiple times over the last 5 years to separate my spousal joint consolidation loan that was taken out in 2002 for {$49000.00}. My current balance after 22 years is still {$36000.00}! This loan has been sold multiple times and the interest has been piling up! My husband and I have both been public servants for over 30 years and we can't qualify for the XXXX because a spousal loan is continuously denied being consolidated into a direct loan so we can apply for the XXXX. This loan is not estimated to be paid off in XXXX!!!!! I will be XXXX XXXX XXXX and still paying on my loans! CRIMINAL!!! Please help! I don't know what to do. I have called, applied, cried, been completely stressed out, depressed, and paid loan help agencies and have had no luck! I am now paying for my own children to go to college while still paying off my loans so I can be a public servant!!! 31 years of service and I can't get this stupid ball and chain off of me.
Consumer complaint received 2022-08-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XXXX XXXX before the end of business day I made a payment over the phone for the first time ever with this XXXX XXXX  I spoke to the representative over the phone, and I was assured I was not going to be late it was on a recorded line. They did their investigation concluded that the representative was incorrect, but the decision remains in that time I did not know that they were going to apply the payment for XXXX because I had 2 days left until the end of the month. I have made similar payments in branch before without a problem and the representative assured me, I would be fine without the company line verbiage that they are trying to communicate telling me the customer that it was not a business day that's their only response That was given to me I was redirected to XXXX it was a department that handles the situation they had no compassion for the error they were condescending they belittled me and talked down to and basically told me that's it! after a 3 day investigation in the meantime my score dropped XXXX points and my life is in shambles I have lost of sleep I have never been 30 days late with the company in 4 years. I am ready to go to social media and alert people to not believe what this bank tells you over the phone nothing has been resolved as of yet.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (VA)

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 2023-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (AL)

Company repeatedly calls from various numbers from XXXX, Florida and no one speaks. Whenever I inadvertently pick up, I get the automated message of who the company is calling and then attempted to put me through to a live person, which automatically disconnects. I have currently blocked the numbers that have called from the area code but they keep changing the numbers that call me. Below are a few recent calls with dates and attached numbers. All times are 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 XXXX