davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IA)

I have been making my payments on time every month to Edfinancial. Whenever I submit the payment, it sends me a payment confirmation and also takes it out of my bank account. Each time I pay, the next day it tells me I have a late fee of the same amount as my loan payment initially was and takes money out of my account AGAIN. I donr understand what's going on, they are impossible to get ahold of. The last time I got ahold of them, I was on hold for 4+ hours ... .and they told me I failed to select each loan ( but I know for a fact they were all selected ). Please, I am looking for answers. I am tired of getting money taken away from me when I am being responsible and making my payments on time.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IA)

I've been calling since XXXX to be placed on 2 hour holds. I can't hold for 2 hours so I choose to email. Their site says a response in 3 days that was over 10 days ago. My last email was again today. I am getting no help getting on the right plan or questions answered about public service forgiveness.
Consumer complaint received 2017-06-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

after getting behind 1 payment to wells fargo back in 2011 i  contacted them about a loan mod and givin a person to work with after a year went by got loan mod myself and sister sigined and had noterized they only sent me a copy to sigin she lives in a diff state and instructions saidit had to be sigined on same day.i called fargo about that chould not get any hlp about how we were to sign on same day living 1200  miles apart. so afternot hearing from them left a message with my person who was helping me.I sigined noteryized overnight mail to sister she did same thing and sent in with a {$480.00} fee.got back same paperwork three weeks later. called fargo person and she said because both sigs werent in county home was in they could n't use.that was neverstated in instructionsi i had.she siad she wouldget suppervisior to help get it put through a year later got notice to appear in court fargo keptrunning me to diff people after asking them for new loan mod. igot a limited power of attotney to hlp with sigs but still no help so i went to a lawyer and hes trying to help but still may loose home .this company is the worst run ive erver seen im a XXXX year old vet and feel i have no rights agianst this company.ty
Consumer complaint received 2017-07-08
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. (OH)

I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was 860 or 900 since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I have a loan with XXXX XXXX XXXX. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an issue with my Claim ID # XXXX. They are saying that I can only close my account if my balance is at {$0.00}. That is still implying that I 'm accountable for recovering the fraud funds that were processed by the bank, and withdrew by me because of the bank showing false and insufficient funds. I am a customer with Bank of America that refuses to help me as well as I think it is the bank 's responsibility to help me recover the lost funds in my account and track down the scammers of the bad check. I should n't be held accountable for Bank of America processing the bad check and allowing me to withdrawal the large amount from the processed check and depositing it into another account as instructed. I believe it should be the bank 's responsibility to catch a bad check in a timely manner and help their customers in every way possible to prevent this from happening to other people. If you do not have that amount available then the check should not be processed. The fraud department of the banks should do a better job catching these types of scams before they go bankrupt and that 's why they make the consumers accountable.
Consumer complaint received 2017-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have filed a dispute with all three credit bureaus in regards to Portfolio Recovery Solutions listing a debt on my credit report that has not been validated. I have not received any services from this debtor and there is no signed or verbal contract between them and I. This company has continued to list this debt on my credit report without providing me the requested information to validate this debt or their legal authorization to list a debt on my credit report. I never had an account with this creditor and I do not owe this debt.
Consumer complaint received 2017-07-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (CA)

As ofXX/XX/XXXX Hyundai Finance is reporting a negative credit reporting to the OPM XXXX-XXXX Credit Report and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XX/XX/XXXX. I received the certified return receipt notice dated XX/XX/XXXX in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.
Consumer complaint received 2017-09-01
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: U.S. BANCORP (CO)

I am disputing a transaction with the XXXX issued by USBank ( " XXXX XXXX '' ). 

I have paid {$XXXX} from this card via XXXX to a tour operator based in XXXX. The services provided by the tour operator did not match the description that was provided by the company sales representative. I have documentation to prove this. 

I have brought a dispute with the credit card company ( USBank ). However, USBank refuses to consider the documentation I provided, repeatedly promised to reopen or escalate the case, but did not do this. Essentially, my dispute is being dragged to slow death. I am given runarounds and statements that the bank " ca n't do anything ''. 

The charge was onXX/XX/XXXX, {$XXXX} to XXXX. 

To reiterate, I was sold a service and what was provided did not match the description by far.
Consumer complaint received 2017-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

When I signed my loan I originally agreed to electronic billing. However since then USAA has restricted my access to USAA.com. My loan had been setup for automatic billing through my USAA checking account, which USAA has thus since closed with no warning reason or clear explanation. Since then I have made multiple calls and they have received notification I have not received my statements, and requests for delivery. USAA has stated on multiple occasions they will send me a statement in the mail, so I know how much, when and where to sent my payment. Most recently they informed my because I agreed to online billing they would not send me a statement. This poses a problem as I have no way of receiving the statements or paying my bill accurately or on time due to USAA 's direct and devious actions.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BB&T CORPORATION (VA)

BB & T has once again done the unthinkable. I have a XXXX son who has been XXXX since 1985. He is XXXX from the XXXX XXXX XXXX XXXX. He had my name of his account only if he becomes XXXX and can not do things for himself. He, XXXX XXXX is the only one who can access this account according to the XXXX BB & T. He has called because of a prior issue that came up some time ago and was assured No one had access to this account unless he passes on or becomes XXXX XXXX. BB & T took funds from his Personal account and paid My past due Credit Card bill. XXXX uses this account for medical expenses and XXXX equipment and his private use Only. I have Power of Attorney to be used only with his permission and funds to be withdrawn for His Private Purpose only. BB & T withdrew {$1100.00} from his account that once again, he was assured only he could access. This transaction was done by BB & T Recovery Department, XXXX, NC.
Consumer complaint received 2017-07-08
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. (NM)

I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.
Consumer complaint received 2017-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Since XX/XX/XXXX I have submitted disputes to the credit bureaus and spoke with company directly about incorrect information on my credit file showing my loan defaulted by 90 days yet my account was in inschool deferment. XXXX had removed the 90 late then it was reinserted back on my file only to show now it 90 days late only in XX/XX/XXXX but in good standing in XX/XX/XXXX, XX/XX/XXXX and moths leading up to now. In the comments it states account resolved by grantor yet it is not and the bureaus have not done a proper investigation after numerous ongoing disputes
Consumer complaint received 2017-06-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX / XXXX / 17   XXXX  a  USPS Money Order fo r  XXXX .     Transferred  XXXX  of the money order funds by money gram wired transfer.   Discovered money order probably fraudulent and reported to Chase Bank and  XXXX   XXXX . Money ordered received under alleged  XXXX  to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .
Consumer complaint received 2017-11-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Cottonwood Financial Ltd. (TX)

XX/XX/XXXX, 2017. I had received several phone calls from the CashStore in XXXX XXXX, Texas. I 've been dealing with the company for several months. I informed the company that I am on XXXX, and I receive my check on the 3rd of every month. My bank account has constantly been overdrawn. As a result, I gave up my car in repossession. I 'm under doctors care! Only now did I notice that the first 2 payments were scheduled on the 3rd, as per our agreement. The next 2 were scheduled on the 2nd and the final payment is set for the 1st and 31st ( This means not only will I be overdrawn, but I 'll have 2 payments in 1  month. ) Overdraft fees are {$35.00}. This takes away money for food and my co-payment for my medication. The VA does not accept XXXX or XXXX or XXXX XXXX XXXX insurance. My only sister is in XXXX XXXX XXXX and just recently admitted to the hospital due to her XXXX XXXX XXXX. I have no way to go see her. At this time, the VA van will only carry the XXXX XXXX, this is the reason I got the car. Being is financial trouble, I went to the cash store. Once she allowed me to make a minimal payment. The president has vowed to cut social security XXXX payments. I only receive {$15.00} a month. {$35.00} overdraft fees hurt tremendously. Most of the repayment is interest, over {$400.00} for {$350.00} loan. I simply ca n't afford it.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

Was given a XXXX prepaid gift card by my boss for XXXX last year. Never tried to use it until XXXX XXXX, but at the register it only registered {$1.00} and the purchase was considerably higher. After leaving the store I remembered I had n't used it before so looked on the back and although there 's no phone number for activating the card, there was a number for lost or stolen cards so I called it and was able to activate the card. Went back to make my purchase but this time the card was declined. Went home to check on internet and found out you have to register the card first, but when I put in the card number, the error message said there was no record of that account number. This morning I looked online again at https : XXXX and found literally thousands of complaints with exactly the same problems I had.
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (AR)

On XXXX XXXX, 2017, I sent a correspondence to the CBE Group for a verification that I owe on the debt they are reporting on my credit. Although I sent the letter, I have not received a verification or anything type of correspondence regarding this debt. I have no knowledge that the account was mine, and I demanded verification. It 's now almost 6 months later, and I have yet to receive any type of communication from The CBE Group.
Consumer complaint received 2017-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (CA)

HEALTHCARE COLLECTIONS INC/HEALTHCARE COLLECTIONS LLC, ACCOUNT NO.    XXXX  has placed a negative report on at least  XXXX ,  XXXX  AND  XXXX   credit bureaus.They  are a collector for  XXXX   XXXX   XXXX  in  XXXX  CA.   At the time of emergency treatment there in  XXXX -2015, I was covered by both   XXXX    and  XXXX    XXXX   XXXX   h ealth plan.The hospital wa s aware of this coverage at the time of service.I should have no bill or collection for a bill whatsoever as I was covered by insurance at the time of service.
Consumer complaint received 2017-07-08
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (AZ)

The Money Source contacted me about doing a reversed mortgage. They stated they were certified etc., I had the notary come over and even did the credit counseling. Strung me on for 4 months kept saying I would receive funds on my home. Never told me that my student loans would effect me. And they are deferred. So I was lead on for 4 months to believe that I was able to get it. They falsified their information with me, they did not do their diligence in research to see the property was not even FHA/HUD approved! This could have eliminated all hopefulness on my part, believing I was getting my house payment removed from me alleviating stress but put more stress on me.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC (NJ)

On XX/XX/XXXX, I opened my Checking account at XXXX XXXX XXXXXXXX in XXXX, NJ. I made first deposits by using Zelle to request XXXX dollars from my mother. On XX/XX/XXXX afternoon, I was in classroom. Suddenly Zelle sent me bunch of emails saying that I violated their policy, which I never done. I only received {$10.00} from my mother by Zelle. I never made any transaction with my account yet, XXXX is XX/XX/XXXX, I just activated my debit card. I contact Zelle and XXXX, more than 15 calls I made. Still, no one solved my problem. I am a high school student with XXXX, it's difficult for me walk to the bank using ATM to make deposits. Please help me, thank you!
Consumer complaint received 2017-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NJ)

We never applied for paypal credit or received a card. We got a bill XXXXXXXX XXXX for approximately {$25.00}. We contacted them and asked what the bill was for. They could not say what it was for, but said it was from XX/XX/XXXX. We told them we did not purchase through them. We made several phone calls and we are getting invoices now that are up to {$180.00}. The company is PayPal Credit XXXX. Address is XXXX XXXX XXXX, XXXX, MD XXXX. We feel we are being scammed and until they can tell us what was bought, we will not pay them.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (NC)

Flagship Credit Acceptance responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00.  Flagship states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (CO)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.