davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I have been working with XXXX XXXX XXXX for a year now. I am trying to apply for the XXXX ( XXXX XXXX XXXX XXXX ). I have been denied for numerous reasons at least XXXX  times in the past year. The reasons I have been denied have been untruthful in my opinion. I have been denied because they have said that certain boxes have not been checked or there were missing signatures - all of which are false because I have the copies of the documents that were either mailed or uploaded. I have called and talked to numerous people about the next steps to take. All of the answers are different and varying. I waited on hold for a manager for over an hour a few months ago to try to finally get some clear direction. I qualify for the XXXX. I have been a XXXX for over XXXX years in qualifying schools. I feel they are trying everything they can to just frustrate me and string me along with these " fake '' problems with my paperwork to just get me to a point where I give up. I have given up a couple times only to come back a couple months later to reapply, submitting sometimes the exact same paperwork as before. In doing this they find a slew of different things that are wrong with it and why I do not qualify for the forgiveness. The paperwork I submit is only good for a certain amount of time. By the time I resubmit the paperwork where they have found an issue that isn't really there - it has been expired and I need to get it filled out again by my HR department at my current XXXX  and the other XXXX XXXX  I worked for before. This takes time and of course it's difficult to get paperwork from a XXXX that you no longer work for - especially XXXX times. I currently have about XXXX different reasons of why I have been denied in my inbox with XXXX XXXX XXXX. All of which are not valid. I have never once been late in XXXX years paying my student loan payment so there are no issues with that. They are also trying to say that the current XXXX  I am employed with does not qualify under this program because my paycheck is signed by my corporate company - however, I actually work and perform my duties in a XXXX XXXX XXXX and am in fact paid strictly out of XXXX XXXX funds. Please help.
Consumer complaint received 2015-10-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have made many advance payments on this loan, but they were incorrectly allocated. A Letter was sent to verify the accuracy of this debt but has not been responded to. I am requesting a full accounting of all payments made, copies of checks forward and back. The documents requested and answers to questions are needed to ensure the following. 

~ That our loan has properly been credited, debited, adjusted amortized and charged correctly, that interest and principle have been properly calculated and applied to my loan, that my principle balance has been properly calculated and accounted for and that no charges, fees or expenses that I am not contractually bound to pay have been charged on my account. 

In order to validate this debt and audit my account, I need copies of pertinent documents to be provided and answers in writing to various servicing questions to be sent to me at the address listed on the account.
Consumer complaint received 2016-08-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MA)

In XXXX XXXX, I leased a vehicle that was financed via USBank in XXXX WI. At the time I assigned my low number Massachusetts registration plate to them for the term of the lease ( XXXX XXXX plate # XXXX ). 
On XXXX XXXX, XXXX I returned the vehicle to the dealer and asked them to be sure to have the bank reassign the plate back to me. The dealer gave me a form USBank faxed them showing that the lease had been paid off. ( For some reason they could n't fax a form releasing my plates. ) On XXXX XXXX, XXXX when I went to the Massachusetts Registry of Motor Vehicles to reassign my registration plate to another vehicle, I was n't able to because I needed a letter from USBank, on their letterhead, stating they were reassigning this plate back to me. The Registry Branch Manager was going to allow the bank to fax the document directly to them, so I called USBank. They told me they that their procedure for this did n't allow them to fax the document, and that it would take approximately seven ( 7 ) business days plus the time it took for the post office to deliver it to me. 
I told the person who answered the phone, then the supervisor I requested that this was unacceptable, and it was going to hold me up from registering another vehicle for approximately two weeks. They said they " understood '' by situation, but there was nothing they could do. 
Today I am sitting here unable to assign my plate to another vehicle because their policy is causing delays. It seems their " customer service '' ended once I paid off the lease. I do n't feel their procedure is reasonable if their customers ca n't get access their own plates for two weeks after the lease is paid off and the vehicle has been returned. If they could fax XXXX form to the dealer when I released my vehicle, why could n't they fax a second form? ( Where the Bank knew I wanted to keep my registration plate when I leased the vehicle, they could have done this OR left a second form with the dealer when I leased the vehicle, reassigning the plate back to me at the end of the lease - instead of making me wait two weeks! 
I would like to see the bank more responsive to the people they serve, and I would like to see this impractical bank policy changed so that in the future customers do n't have to wait two weeks like I am now waiting to get access to my plates again. 
SOME BANKS HAVE GOTTEN SO BIG THEY HAVE FORGOTTEN THE PEOPLE THEY SERVE! LETS BANK HUMAN AGAIN! 
Thank you.
Consumer complaint received 2016-04-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (CA)

The lender iMortgage provided false information on my FHA loan ( 5 year ARM ) which was closed last XXXX XXXX. I was told that I would get the balance of the upfront PMI refunded when I do a refi. The upfront PMI was {$7600.00} for 3 years and I would get the remaining balance refunded depending on when the refi is done. That did not happen. 

I was in the process of applying for the refi with a different lender in XXXX this year ( XXXX ) when I decided to check again with iMortgage and they confirmed that I would get the refund. I also asked them if i had to refi into another FHA loan in order to get the refund and they said I did not, it was not a requirement. I of course trusted their knowledge of the loan rules, regulations, programs and whatnot, so I went with a 30 year fixed conventional. Since iMortgage assured me of the upfront PMI refund from HUD, which would have been a little over $ XXXX, I decided to buy down points on the refi. The buy down costed me about $ XXXX. 

After months of not seeing anything from HUD, I asked iMortgage again and they assured me that it was coming soon. It was not until this XXXX XXXX that I XXXX around and found the contact number for HUD and called them. HUD informed me that the refund program had ended on XXXX XXXX, XXXX, and in order to get a refund after that date, it is required that the refi is with another FHA loan. I then emailed iMortgage on XXXX XXXX asking for explanation and what options I may have, but have not received a response since. 

If I had known the upfront PMI is not refundable I would have gone with other options and for sure would have not bought down points on the refi, or even look into refinancing another FHA loan. We have been saving every penny for this house and had budgeted with the refund in mind, so now we are out $ XXXX really hurts. I have all the email conversations with iMortgage regarding the upfront PMI refund saved and ready to provide as proof. 

Please let us know what options we have. Your assistance is greatly appreciated. 

Thank you!
Consumer complaint received 2018-08-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I was surprised when I was looking over my credit report. I found a late payment for the following date : XX/XX/2018. 
I don't know how this has happened. I feel I have made my payments to you when I got my statements. My only thought is that my statement never actually got to me.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I have an unresolved credit card dispute with USAA regarding a fraudulent transaction from XXXX XXXX XXXX XXXX in the amount of {$360.00}. In spite of documentation supporting my position that XXXX a refund in full, USAA is still billing me in spite of my best efforts to resolve the matter on the phone and on line.
Consumer complaint received 2016-12-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (OH)

Calls, sends bill for doctors I never seen. Look up and find numbers are scams. I checked and all bills are paid from my services. 
Check internet and see they have different tel # and names. They call under numbers : XXXX XXXX
Consumer complaint received 2016-06-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I returned a Lexus XXXX Leased vehicle to the local Retail Dealership. They sent the car to Lexus Financial Services who mailed me an Invoice date d XXXX/XXXX/16, for excessive wear & tear on the vehicle for {$980.00}. In addition, they continued to charge my checking account after I returned the vehicle for another {$590.00} payment. I have called them 7 times requesting a report, my account to be reviewed as there was no damage. They
Consumer complaint received 2016-07-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP ()

I have been banking with US Bank since I XXXX from US Military in XXXX. I live overseas and informed them of this when I opened the Account there they said there was no problem with this. on XXXX XXXX XXXX I received a letter from them saying they were closing my account in 10 days from the date of XXXX XXXX XXXX this gave me 3 days to find a new bank and get my direct deposit tranfered almost impossible due to me living over seas no reason of why was given. I contacted them the person I talked to said there was nothing listed for my account to be closed. I have repeatedly requested information on why my account is being closed. I have never bounced a check or had overdrafts on my account. they will not give me an explanation on why except keep saying I live overseas. Since I opened the account with them knowing I was going to be living overseas I asked them for a copy of there policy stating that I can not live over seas and bank with them. they have not provided this policy to me as of this time. I am wondering if this is Legal for them to close my account on this sole reason and why they wo n't give me time to find a new bank and get everything transferred before they close my account.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

a company called portfolio recovery has been calling my number virtually every day since 2006 if not longer. My son has asked them to stop calling and I have done the same. When my son warned them of the laws, the calls stopped for a few weeks then began again.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

My account was charged a numerous amount of different transactions without my authorization. I filed a police report after being denied claims from my bank ( santander ). They told me i was denied because the person who took the transactions out of my account gave them documentation that they had my email address and mobile number. They took all of my funds and left my account on XXXX which is starting to add up because of overdrafted fees. I have never gave anyone permission to take a consecutive number of transactions out of my bank account ten transactions all different amounts. I have been banking with this bank for three years I trusted they would get to the bottom of this and they simply told me was not their problem, that it is my responsibility to protect my own account. I am a single mother of twins Ive had to borrow money from family members co workers in order to pay my bills. I was working a 9 hour shift when the transactions started to take place. I didnt notice until it was too late for the bank to stop this person from stealing from me. I filed a police report and the officer told me filing a report wouldnt help much. Im unsure of my next step Santander bank has the worst customer service each representative told me it was my fault.
Consumer complaint received 2015-04-23
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In XXXX of 2014, I tried to refinance my home loan, only to find that a loan that I had co-signed for my sister, XXXX XXXX, was reported in collections and past due by {$260.00}. ( see attached ) This prevented me from obtaining my home loan, which I was pursuing through XXXX. This is erroneous and further more insulting when Portfolio Recovery Associates provided very little information, when talking to their representative by phone.
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANCORP (NJ)

Over the past 18 months or so, I made XXXX balance transfers onto XXXX credit card. The interest rate on each transfer was 0 % until XXXX different expiry dates : XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX. XXXX This is the order in which they appear on the interest charge calculation page of my bill. ) I paid the minimum amount due every month until XXXX. Every month, that amount was subtracted from the balance with the 0 % expiry date XX/XX/XXXX. In XXXX, I paid an amount equal to the balance left on the balance transfer with the 0 % expiry date XX/XX/XXXX. Rather than subtracting that amount from the balance with the XX/XX/XXXX expiry date, the credit card company paid off the balance due XX/XX/XXXX, and paid down some of the balance due XX/XX/XXXX. I am now paying interest on the balance due XX/XX/XXXX. This seems very shady and bogus. Is that even legal anymore?
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Since XXXX of XXXX, no one at SLS 's Customer Care XXXX number will speak with me regarding my account ( see attached examples ). I demand to speak with someone IMMEDIATLEY to review all the misc charges posted to my account in XXXX and XXXX and to review my account payment history line item by line item. According to my records, I show a positive in my escrow account up and through XXXX/XXXX/XXXX. SLS shows a negative. Until I can speak with someone at SLS and review everything since XXXX XXXX, I will NOT pay anything in addition to the {$1300.00} I 'm currenlty paying. SLS has refuses to be transparent and my account is being mismanaged. Per my discussions with XXXX XXXX, SLS has the ability to remove my Escrow Account but refuses to.
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Portfolio Recovery has been calling my home phone multiple times per day for the last week. They have now begun calling my cell phone as well. The will call 2 or 3 times in a row. It gets so frustrating that we unplug our phone. I can see every time they call on my phone log. They never leave messages.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (OK)

I contacted CREDIT MANAGEMENT on XX/XX/2022. I told them that this debt was not mine. They would not investigate. They stated I had to call XXXX in order to get the collection removed. I do not live in the city this debt occured in and never have. I have proof of where I have been living for the last 6 years in the form of utility bills in my name. They were not even interested in seeing them. This has lowered my XXXX XXXX by XXXX points. the account number is XXXX. I am uploading the untility bills for the dates in questions. I also have an address in North Carolina. Thus the license for there. 

I have also contacted XXXX XXXX and submitted a fraud package. They say it will take an additional 30 days to investigate and XXXX to XXXX to report it to the collection agency.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Consolidated Recovery Group, LLC (FL)

Consolidated Recovery Group is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX, they are reporting an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX when that address is no where on their website and I never received a response from the dispute letters I sent them. How can they have different address on the credit report and website but their website shows the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX 1. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2011 which is wrong. 

3. I attached the dispute letter that I sent them but they failed to properly validate this account.
Consumer complaint received 2016-06-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, therefore, I could n't be the one to incur charges under the Capital One account. I am a victim of Identity Theft. Please remove these charges on my credit report. Thank you.
Consumer complaint received 2018-09-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint against EXPERIAN. This is regarding the XXXX ACCOUNT ref # XXXX. This account was disputed to Experian on two occasions. This items has been been disputed to other bureaus and was already removed by Experian. It was re-inserted on my credit report without notifying me. I did not receive any notification in any form. Aside from that, this account is being reported with incorrect balance, status and inaccurate payment history which violated FCRA.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

We closed on our Minnesota home cash out refinance mortgage with USAA on XXXX XXXX. It was a reschedule from XXXX XXXX, so we ended up having to wait an extra day for the rescission period to end over the weekend for disbursement on XXXX XXXX. Well it is now the XXXX and the money has not been wired to our bank, nor has the original loan been paid off. 
The disclosure statement, which we did n't receive until the morning of XX/XX/XXXX, when I demanded it, had an additional 7 days ( from disbursement date ) of interest to the previous lender built into it. Then yesterday on XX/XX/XXXX they tell us we have to sign an updated disclosure ( which I have attached ) because they have to account for the extra fee to extend the lock which they were paying for. I have been asking for our funds since Tuesday and was told yesterday by our processor that the new signatures would not hold up the disbursement. Ok, then where is our money?? Can they really just keep holding our money and making us pay interest on all of it while they take their time in disbursing. Do n't let me get started on the rest of this horrible process. Worst refi I have ever been involved in!
Consumer complaint received 2020-05-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I sent letters off over 45 days ago no response from all 3 of these clowns of bureaus. I am tired of dealing with this problem.