davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (MA)

On XXXX XXXX XXXX I was fortunate enough to close on a loan to consolidate home mortgages and my student loan into XXXX payment at a reasonable interest rate. 

The problem is the school loan payoff went to the wrong address within the same organization. The check was cashed by the XXXX XXXX XXXX, XXXX but can not be transferred to the Nelnet address. I have been told that a check will be reissued and sent back to the sender in this case the law office that issued it in XXXX 6 weeks. In the mean time since this all started I still will be responsible for interest at {$10.00} a day. I put the loan into forbearance status to protect myself from monthly payments and late fees. They are claiming that it was not their mistake and my statements for over a year have had the address on it. I stated that I 've been trying for over years to figure out how to pay off these loans and I have an email from XXXX that I asked for a payoff amount and the payoff address was the XXXX address. When I was trying again this current year and pulled a payoff statement online there was no noted payoff address so I had this address in my file so gave it to the law office to send pay off into. 
I can not believe that NelnetXXXX does not have a means to transfer funds for a close out payment. I would like not to have to pay the interest and for this organization to work reasonably with me in completing this final transaction. 
On XXXX XXXX I received a letter from Nelnet stating the loan was paid but a balance remained not true I called same story as above.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have an item from XXXX XXXX out of XXXX XXXX, CA they are reporting that I owe almost {$2000.00} on an apartment lease and yet they will not provide the lease agreement. I know that I did not sign a lease agreement with them everything was under my wife 's name at the time and it should not be reflecting my credit at all. If they choose to place this on my credit report than they should be able to provide proof that I owe the debt. I have requested copies of said lease agreement from both the apartment complex and the collection agency and neither have responded to me. I feel that if they claim to have a debt with my name associated with than I have the right to at least see the proof behind it.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (GA)

I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

I did a car title loan with Whilshire Credit, which I think is Westlake financial, each month they when I got the loan they paid off another loan telling me thjere loan was better well he lied it was much worse. Each moth they call me from XXXX companies but after 5 days I never receive a written notice. Even Though the money is coming out of my bank account. So every month I late, they call multiple members of my family harassing them and call me. They do n't bring my account current like they promised when I set up the authorization. Its bad enough that I have to pay {$9300.00} over 3 years but with them never bring my account current it will be much much more, They do not seem to be a very honest " company '' and it would be very hard to recommend them to any community!! As you see i have paid current but every month they cahrge me an extra {$70.00} and {$36.00}. They say every month they will fix it but never do so my balance never changes.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Billing statement — 
Company: Paypal Holdings, Inc (OK)

I purchased furniture for my new home in XXXX of XXXX and XXXX of XXXX. I purchased the items with Paypal credit, on a promotion for no interest and no payment for six months ( previously called Bill Me Later ). I received electronic statements each month, all except the month in which the promotions expired. They failed to send me the statement in XXXX that shows that the six month promotional period was ending in the next 30 days and payment would be required to avoid interest. I received the statement on XXXX XXXX, showing that I now owe at least {$300.00} in interest due to the promotions expiring and no payment being made. I contacted them and requested confirmation that they sent my XXXX statement, as I am pretty certain they intentionally failed to send that. They would not provide me any proof that they sent that statement. The rep stated that per the system, they sent it out but she had no way to prove this to me. I am disputing the interest as I would have paid the bill in full immediately had I received a statement for XXXX to avoid any interest. I received an electronic statement every other month since making the purchases. If they never sent the statement I do not believe that I should be help accountable for the interest.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

I have collection acct original XXXX XXXX XXXX XXXX, I settled on the acct with Transworld Systems on XXXX XXXX, 2016, Rep is XXXX XXXX, she was hesitant in accepting the settlement spoke to her supervisor then agreed to settle for {$840.00}, Monies cleared my checking acct. Come to find out later my account was transferred to XXXX XXXX XXXX XXXX XXXX, XXXX would not send me proof of letter said I had to wait, I cld Attorney office they said XXXX should not have accepted my pmt. So now Transworld sends me letter says I still owe monies & that I need to contact Law Offices of XXXX XXXX XXXX I need help please.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Twice in the past 6 months I have written a check to my mortgage company for a PRINCIPAL ONLY payment. My regular monthly payments are auto debited each month from my bank account. I have indicated this on both of the checks that the payment is for principal only. In both instances Ditech chose to apply the money toward future months ' interest without my permission. My intent was to pay down the principal balance and they continually apply it to interest, and some cases escrow, on their behalf.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I was enrolled in Equifax Monitoring Services in which I was able to get daily updates on my credit report and score. As of XX/XX/XXXX this was no longer an option. Each time I attempted to generate a new report with score the system indicated my order failed. I have spoken with several representatives and the issue has yet to be resolved. Most recently, there is currently a delay with Equifax reporting updates to my account. I have a new credit card that was reported to all 3 credit bureaus and Equifax has failed to update the account. I am also having trouble accessing my Equifax report through other monitoring sites. I am being told that there is an error with my authentication information. I have provided Equifax with my legal name, date of birth, social security number and address. This has been provided via fax as ofXX/XX/XXXX and again verbally on XX/XX/XXXX.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I paid an account XXXX XXXX XXXX XXXX 25 days late and it appears on my credit report XXXX Experian only ) as 30 days late. I called Experian to dispute the inaccuracy but they tell me that creditors are indeed allowed to report an account 30 days late even though it may have been less than 30 days late. 

I disputed the account status and the investigation results show that the account will remain as 30 days late. 

I then contacted XXXX XXXX, Director XXXX XXXX XXXX for Experian on XXXX and asked him if paying even 1 day late can show on my credit report as 30 days late and he said NO. 

I do n't understand what is going on at Experian. Customer service and XXXX XXXX are saying contradicting information. 

I am attaching three documents:1. Investigation Results2. Credit Report showing 30 day late payment3. Payment history for XXXX XXXX showing I never paid more than 30 days late4. XXXX Screen-shot where XXXX XXXX says that a full billing cycle must pass before the account is reported as 30 days late
Consumer complaint received 2016-03-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

The business I am complaining about is JPMorgan Chase XXXX Bank. The branch I use is at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My husband and I have been long standing customers of this bank. We have our Social Security deposited into it. We have a checking account there which carries a fairly good balance. 
On Tues. XXXX XXXX 2016 we wrote a check to someone for {$60.00}. We told her she could just go to the corner and cash it as that was our bank. When she tried to cash it they wanted to charge her {$8.00}. to cash it as she did not have an account there. As their customer I feel I should be able to give XXXX of my checks to whomever I please and they should be able to go to my bank and cash it without a hassle. It is my money and I pay to use their checking account and my checks should be cashable by anyone they are written to at my bank because that is where my money is. They are inconveniencing me their customer by not honoring my check without some outrageous charge. That charge just comes back to me so then I no longer have the privilege of using that account to pay for something without an additional charge. 
I want the bank to cash my checks for anyone I write them to. If the person I write a check to wants cash they should be able to get it without an extra charge as I am the bank 's customer. 
If they can not do business in a honorable way I will have to move my business elsewhere and become very verbal about their tacky business practice. This is an outrageous policy and needs to be dropped. It certainly does not give any service to their customers.
Consumer complaint received 2016-02-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech financial recently purchased my home loan. Since then, they regularly misapply my principal prepayments to future interest or future payments. This practice is in direct contravention of my loan terms which expressly state that " the NoteHolder will use my Prepayments to reduce the amount of Principal that I owe under this note. '' Ditech has not followed these loan terms, and instead continues to apply my prepayments to future interest and future payments, resulting in my loan balance not decreasing as fast it otherwise would, and more accrued interest than otherwise would occur. I have complained to Ditech three times about their misapplication of my payments. The first time I complained they fixed the problem without admitting any fault. They have completely ignored my second and third complaints. Thus, I am writing to you in the hopes that you will be able to get their attention. I am also considering legal action.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

Due to government cut backs, I lost my job with the XXXX XXXX XXXX in XX/XX/XXXX. I received a severance package. I moved to find a better job and started looking for a job immediately. With my severance, I was able to pay on my private student loans for several months but when I saw I was running out of money, I had to save money for rent, electric, water, and groceries which I consider the BARE NECESSITIES. I got behind on my loans but in XX/XX/XXXX I found work. I have been paying more than the minimum amount to try to catch up. For the last 4 months, every month, I have paid. But Navient calls multiple times a day. I can make a payment today and they will still call me. In the beginning I spoke to them and explained, I just started a new job, I have been paying more than the minimum to catch up, however this amount is all I can afford to pay each month. This should be documented in their notes, this should be known, still they persist. My situation today has not changed since yesterday, since last month, since as far back as XX/XX/XXXX when I started this job. I have an alotted amount of money I can use for student loans. PERIOD. I have spoken to a lawyer about my loans in which possibility of settling was discussed. I can not however come up with X amount of thousands of dollars to settle at this time. Now I am researching better business practices to see suing for harassment is possible. Consider this a formal complaint on the company. I have screen shots of my phone which shows how many times they have called me since XX/XX/XXXXXXXX and how many voicemails I am left. I 'm to the point my voicemail box is almost full and had to make a complaint so I can give over whatever records are necessary so I can continue to receive their hounding phone calls.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TransUnion, and XXXX XXXX XXXX. 
I would like to clarify that I have already paid this account through a different collection agency prior to your acquisition of the debt. As such, in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. code 1692g. I am requesting that National Credit Adjusters ( XXXX ) provide me with the following : 1. A copy of the written purchase agreement or assignment of the account that shows the transfer of ownership from the original creditor or the previous collection agency to XXXX. 
2. Proof of the amount of debt XXXX claims I owe, including an itemized accounting of all payments and charges made on the account. 
3. Any documentation that confirms XXXX  legal right to collect on this account. Please be advised that I dispute the validity of this debt, as it was previously paid in full. I request that all collection activity cease until XXXX can provide the necessary documentation showing that XXXX legally owns this account and that there is an outstanding balance. Additionally, I request that XXXX update any credit reporting agencies and remove this account from my credit report if they are unable to provide proof of ownership and debt validity. Failure to do so will result in additional complaint with CFPB, FTC. and a lawsuits. 
Thank you for your attention to this matter. I look forward to your prompt response. Please contact me via the CFPB portal for further communication. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

Equifax is reporting an account with XXXX in the amount of {$280.00}. They have failed to provide me with the documentation that was used to verify that this entry is correct. Equifax has repeatedly re aged this account when in fact it should have been removed in XXXX 2015. This is not the XXXX time that Equifax has reported inaccurate information and has failed to fix tge problem in a reasonable amount of time. I want the actual documentation that was used to verify this debt.
Consumer complaint received 2015-05-26
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (SC)

Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I discovered errors on my credit report related to 15 USC 16c-2. The inquiries noted were not authorized by me and are negatively impacting my credit. Please eliminate all unauthorized hard inquiries. Thank you!
Consumer complaint received 2017-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (NE)

www.lendingclub.com " approved '' a {$9600.00} loan to me on XX/XX/XXXX. <P/>About a week later I was asked to " confirm '' my email address. <P/>After doing this I was asked for XXXX forms, XXXX forms, and a list of other documents which I provided. <P/>I was ultimately asked for my XX/XX/XXXX federal tax return including every schedule and document. I was asked about three weeks after being " approved '' for their loan. <P/>I am late in filing my XX/XX/XXXX federal tax return for resons relating to an ongoing discussion with the IRS related to my XX/XX/XXXX federal tax return, and therefore I had to obtain my tax software as well as file my XX/XX/XXXX tax returns in order to supply the documents requested. <P/>While I was finishing my XX/XX/XXXX federal tax returns and ensuring that therer were no issues with it, I was sent an email " declining '' me for the loan which I had been " approved '' for three weeks earlier. <P/>There is absolutely no legal reason to give an unequivocal approval communication via the www.lendingclub.com web site and then three weeks later to decline a customer. The emails from www.lendingclub.com may have had small print in some of them, but the approval notice on the web site was clear and unequivocal. <P/>There is absolutely no justification for lying to customers in huge quantities and then renigging on promises which the corporation has made to those customers later on.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

This account has inaccuracies. One is Reporting this collection with a past due amount. This is a report error. This is inaccurate and needs to be removed immediately. I sent several letters for this account to be removed from my credit file.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I do not even have an account with Ally Financial, however the constantly called my cell phone looking for someone by a different name whom I do not know. After being told numerous times they have the wrong number they continued to call and harass me at all times of day. Even told me I was lying to them. Sometimes I would receive XXXX calls from them at the same time. I attempted to contact corporate offices and was told I would receive a call from someone in a couple days approx XXXX month later, I received a call from a blocked number being allied at XXXX in the morning which is illegal, stating they had no record of any calls made to me. Of course this is after I threatened to file a report. They refuse to provide any contact to the legal department and although I have cell phone records of all calls they have deleted all records on their side in a coverup attempt.