davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accelerated Servicing Group LLC (WA)

I spoke with someone XXXX 2017 at XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, him and I ( I believe XXXX ) made arrangements to pay {$100.00} a month, I told him I 'd call by the XXXX, if not I will for sure call by the end of the month. The company has called a few times already this month ( XXXX ) and when I called " XXXX XXXX '' I told him I was calling to make a payment, that my grandfather just passed away so that is why it 's later in the month ( but still before the end of the month ) He Immediately started raising his voice saying hm ok, you are no longer trusted to make the payments and the client wants to do automatic payments. I said no, what? what do you mean? I am calling by the end of the month. I did n't even get a chance to tell him I ca n't do automatic payments because I 've had so much fraud on my bank account and it worries me. He told me my credit was garbage and that is why I ca n't be trusted. What does my credit have to do with who I am? this " XXXX guy '' does n't know our story nor would he care and he treated me with so much disrespect. He than said I 'm not talking to you anymore, have your lawyer call me and hung up on me. 

How do I work towards making payments if the person who is suppose to be collecting the payments wo n't talk to me? I am now in the middle of calling the credit card company trying to see if they will take my payments or send it to a different collection agency because I DO WANT TO PAY IT OFF but I ca n't handle the belittling and bashing from this company because the situation is n't picture perfect. I have read numerous complaints about this company and they do not care how they treat people and the only reason they get payments is because they bully people and do n't treat them like people. DISGUSTING!!
Consumer complaint received 2024-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Mohela has been in the process of transitioning to a new loan servicing platform. I had received notification months ago regarding the impending transition. Yet a month later, they called off the transition. Finally on XX/XX/XXXX the transition began, unbeknown to me. I received communication on XX/XX/XXXX my loans would be coming out of deferment/forbearance on XX/XX/year>. Due to my auto payment and the fact the notification came after XX/XX/XXXX, it was my understanding the XXXX payment had already been posted. I found out today that is not the case and I have been accruing interest the entire time. I had not requested the deferment or forbearance and the customer service representative called it an " administrative deferment '' due to the platform transition. I don't think I should be accruing interest when I didn't request the pause on payments. I also think it was possible to send a plainly written letter letting me know payments would be pausing but interest would still be accruing for 2 months. This way I could decide if I wanted to manually submit payments and correspondence could have detailed how to do so. This feels very predatory!!!!
Consumer complaint received 2024-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (DC)

I just want information that can help me get my loan down. I'm currently attending school and I want to make sure I can be able to try and pay down my loan. I need to be able to afford to pay my loans down and be able to live. I just want some help trying to come up with a plan and options that can help.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My husband and I ( XXXX and XXXX XXXX ) have a joint account at Bank of America. The recent balance in the account was approx {$24000.00}. On X/XX/2017 we were contacted by Bank of America to inform us that earlier that morning someone was able to represent himself as XXXX XXXX, successfully opened an additional joint checking account with Bank of America in XXXX XXXX 's name with a joint account holder. Neither my husband nor I know who the joint account holder is. {$140000.00} was successfully transferred to the fraudulent account. Essentially it was explained to us that my husband was a victim of identity theft. On XX/XX/XXXX I was initially assured that the money would be restored to our account and once restored I could go to the branch and close out my account that had been breached and created a new account to transfer the funds in to. Unfortunetly the funds we never transferred back to my account. I am now told that this will not happen until the fraud investigation is complete and that this could take up to 30 days! I find this unacceptable. I do n't understand why my funds have to be tied up for 30 days. We have presented proper ID at the bank and still we are told 30 days. I have been a customer of Bank of America for at least 15 years. This is not a small amount of money and I find this to be inappropriate and unethical. An investigation can continue without them holding my funds. I want my money transferred back to my account ASAP.
Consumer complaint received 2024-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KY)

When my student loans were transferred to mohelas new system. I was placed in an unwanted mandatory administrative forbearance. I had no way to pay them, they did not take my Auto pay. Interest has continued to accrue daily. I was sent a letter stating that my loan payments were reset to XXXX. Therefore, all the months towards my repayment are gone. And I owe XXXX  years from this transition. My payment was recalculated, lowered, and the interest in between payment was capitalized into the loan. When I call them about this, they told me I needed to call student aid I called them. They know nothing about it. Sent me back to mohela - who told me they cant fix it. Then. I submitted a complaint back on XX/XX/year> to XXXX XXXX  XXXX. They have not responded. I need help, no one is helping me. I am stuck in the middle - owing almost XXXX in interest that shouldnt be there.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (VA)

On XX/XX/XXXX I paid off my student loans with Mohela. On XX/XX/XXXX I received confirmation that my loans were paid off. On XX/XX/XXXX I went to check my credit report with XXXX and I noticed that XXXX months of payments were missing from my report, it showed that my last payment was in XXXX and that I owed over {$XXXX} still. I filed a dispute that day. Today ( the XXXX ) XXXX got back to me and said the dispute was resolved. The total owed was the same, and they are still missing 6 months of payments, the only change they made was to say that they received information this month.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXXXXXX : Account XXXX : Balance : {$280.00} Account Name : XXXX : Account Number : XXXX : Balance : {$520.00} Account Name : XXXX : Account Number : XXXX : Balance : {$800.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX ) : Account Number : XXXX : Balance : {$1100.00} Unauthorized Inquiries : 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2017-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (MD)

Ally Bank Has Criminally Financially EXPLOITED me Via a non consensual Fraudulent Automobile Loan Wherefore they forced ( 2 ) Two Test drive vehicles they forged in the Financial Invoice as a LEGAL Transaction. I have one test drive vehicle to DATE since the Fraudulent Sleazy Con Artist Job in Conjunction with Ideal XXXX XXXX XXXX On XXXX XXXX XXXX MD. I traded in my beautiful mint condition XXXX XXXX XXXX XXXX, requested a XXXX XXXX XXXX XXXX trade in. XXXX Was obliterated from my Customer Request & launched out with a XXXX XXXX XXXX I NEVER bought or agreed to concur to the purchase of. I clearly stated with the flyer ad from the ideal XXXX XXXX XXXX that the {$7000.00} Off any vehicle there I wanted ONLY the XXXX XXXX XXXX XXXX  With my {$7000.00} discount flyer. The dealership & Ally Bank Have, to DATE, financially EXPLOITED me with a cheap XXXX XXXX XXXX, worth {$7000.00} & I Was Wrongfully Financially Exploited For ( 2 ) Two Test drive vehicles. The XXXX XXXX XXXX XXXX the Dealer Told Me to test drive while they tried to call find a XXXX XXXX XXXX XXXX For me XXXX 2013. I Was financed Fraudulently by Ally Bank for a XXXX XXXX XXXX " Recall '' & the XXXX XXXX XXXX I NEVER requested to purchase. Ally Bank owes me for financing 2 test drive vehicle models I Was ONLY Test driving as they Demanded I Try the XXXX XXXX XXXX while they looked for the XXXX XXXX XXXX I requested to distract me Obviously, knowingly. They kept my mint condition XXXX XXXX XXXX & did n't get Credit for it on Wrongful Fraudulent transaction 4 financial Fraudulent invoices I 'm paying on with Fraudulent Ally Bank. I DEMAND a 100 % full refund of Fraudulent Auto Loan For 2 years I 've paid for & my value of my XXXX XXXX XXXX XXXX from Ally Bank ASAP.
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

Ocwen Servicing retained attorney XXXX XXXX with XXXX XXXX XXXX XXXX XXXX to modify my mortgage. Although, a modification was offered, accepted and signed, XXXX XXXX has breached contract by not fulfilling agreement. Per modification contract property taxes & insurance is to be escrowed however, I am having to pay out of pocket and I want to be reimbursed all money paid towards insurance. I am paying {$610.00} to XXXX XXXX in C/O Ocwen Servicing.
Consumer complaint received 2017-07-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Creditreporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by  federallaw to verify - through physical verification of the original signed consumer contract and/or judgement ( s )  - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims actionagainst XXXX Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

From direct deposits being rejected to having the account closed unexpectedly ( customer security intake rep was extremely rude ) to waiting since XXXX XXXX, 2017 to receive a check for what was left in the account, it has been a nightmare and I could never recommend capital one bank to anyone, based upon my own experience. I 've also left several messages for the customer security intake team since XXXX XXXX to find out why my check has n't arrived. I 've yet to receive a call back. I had to speak with a supervisor just for her to tell me that a check was n't sent out until XXXX XXXX. I finally received the check on XXXX XXXX and dated XXXX XXXX. The check also indicates that, I requested closure of the account which is a complete fallacy. I was never told why my account was closed.
Fast forward to today, XXXX XXXX and I am having trouble cashing the check. I just left another voicemail for the security intake because the representative in customer service says that they are the only department that can verify funds. The XXXX XXXX XXXX will not cash the check because they say Capital One has a history of returned checks and that they could n't get anyone on the phone to verify the funds.
Consumer complaint received 2017-07-29
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. (ME)

XXXX XXXX attacking my credit scores for their error -opted for automatic payments in XXXX 2017 -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX 2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I tried repeatedly to have this account disputed Experian, even ask for the verification For an account with XXXX XXXX have n't receive anything. I tried disputing it again but there answer was that it was already investigated and would not do it again
Consumer complaint received 2017-07-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (NC)

I applied for a car online through Carvana and was approved with XXXX deposit. I submitted the paperwork they requested for proof of income ( 2 paycheck stubs ) and proof of address ( bank statement and cable bill ), then they requested more because I work for myself. They requested that I send in 3 months of BUSINESS bank statements. This loan through them was under my personal social security number and was to be a personal call not a business car. I called them and told them that I did not feel comfortable sending in bank statements from my business nor would our board allow that to happen, so instead I was asked to send in my W2 which I did. The next day I got a email saying they are still requesting 3 months of business bank statements. At this point I have asked for my application to be removed from the system. It 's not okay to ask for someone to send in business banking statements that have nothing to do with the loan at hand
Consumer complaint received 2017-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

On XXXX 2017 I consolidate my federal student loans with Navient, while working on that, Navient informed me that I did n't have to make any payments on any of my loans and that I was only to make the payment towards the consolidate loans, hence I stopped making the payments towards my private student loan with Navient, in XXXX Navient contacts me to tell me that my private student loans are in delinquency and they are calling to collect the money. I told Navient that I was n't aware of that and that I was under the understanding that all my loans had been consolidate into one payment, including federal and private student loans, Navient admitted to have given me the wrong information and the reason they did that was because their federal and private systems do n't communicate with each other. Now Navient wants me to settle my account, however due to the delinquency that appears on my credit score, I have n't been able to get a lender, even with a co-signer. Navient is not willing to work around this, even thou they created obstacles to repayment by providing bad information.
Consumer complaint received 2017-07-26
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. (OK)

I obtained ten separate student loans from XX/XX/XXXX to XX/XX/XXXX to attend XXXX XXXX XXXX XXXX XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the XXXX XXXX XXXX. In XX/XX/XXXX, I applied for XXXX XXXX XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I received a discharge letter from XXXX. All ten of my loans are being reported twice on my credit report by XXXX. XXXX corrected the status of four of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX report during XXXX XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining six loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all ten of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all ten of the loans are listed on my report by the XXXX XXXX XXXX in a paid, written off collection status. These loans reported by the XXXX XXXX XXXX were in good standing up until the point where " inappropriate '' corrections were made. In short, I have ten separate loans that are being reported three times with all three bureaus. Each loan is being reported as a derogatory account twice, once by XXXX and once  by the XXXX XXXX XXXX. This amounts to twenty derogatory accounts on EACH of the three bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I can not find a way to contact Equifax to access my online credit report and dispute a claim. Through XXXX XXXX, I have a claim that is my fathers debt, not mine. I can not access an online portal because they claim i tried to get a credit card in the past that i never tried to get. My complaint is their ineffective website and its lack of ability to assist my needs. I just want to be able to access my free report and dispute he claim. I can not do this because I am being accused of attempting a credit card and auto lease that I never signed up for ( identity theft ). I do not know the company these claims attempted to go through because i did not do it myself. I need a way to contact them and their customer service failed to assist me.