davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (NJ)

I have private student loans with discover. There are a number of loans and I have been struggling to pay and get a lower payment. They charged off several of them on XX/XX/2019. They claimed that they called me but I never received the call and they did not leave message. They called on XX/XX/2019 and I spoke to them. I asked about reversing the charged off loans and was advised that they have a great reversal department. When I called that department after bringing the remaining loans current they advised that they would not reverse but would settle for 70 % of the amount owed but that I would have to make a down payment of over {$7000.00}, and that the loans would have to be paid off in 5 years instead of 10. I advised that that was quite obviously impossible to which they responded there were no other options. I am trying to pay the loans and work with them but they make it such that even with their so-called options it is still impossible to pay. So essentially the only option is to have mine and my father 's credit forever ruined. They are worse than loan sharks.
Consumer complaint received 2018-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

It is almost impossible to get hold of someone at Freedom Mortgage with an inordinatly long wait on the phone and an answering system that is unlike any other I have ever experienced. Almost every month the company waits until the last few days to cash my check causing me to feel very stressed out. Someone ( XXXX ) just finally answered my call of today the XX/XX/XXXX after I was cut-off the last time I was on hold. She said it's the fault of the postal system but I have never had this problem with other mortgage companies ( at least three ) I have used since I purchased my home in XX/XX/XXXX. I also have found it easier to get hold of someone at my past mortgage companies. XXXX also said that because it is close to the payment deadline, they get many calls ; however, I have had problems reaching Freedom Mortgage even when it was not close to the mortgage payment deadline. 

I suggest they change their answering system which is totally ridiculous because it has one answer one question, then go back to the menu, then answer another question & then go back to the menu again, and then place the person on hold while telling the person how much they value the person 's business. XXXX! I also suggest they hire more staff to answer calls. 

Thank you for your attention to this issue.
Consumer complaint received 2019-02-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

Took out student loan for my daughter on XX/XX/XXXX ; total loan was {$88000.00}. I lost my job in XXXX and was out of work all of XXXX. I returned to work in XXXX at a greatly reduced income. In XXXX I requested payment options but was only offered forberances to the point the loan amount due doubled, {$170000.00}. Only then was I offered a monthly payment which totaled over {$1500.00} month. I am now again unemployed and as of XX/XX/XXXX am being threatened with legal and garnishments.
Consumer complaint received 2020-06-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (SC)

I have contacted GM Financial for the 3 month in a row to ask if I could pay my payment by the XXXX of the month. It is due on the XXXX. This makes it 30 days late or more. They have agreed and state that my account would not be reported 30 days late to credit bureaus because of COVID-19 and I would be protected under the CARES ACT. I have to call in each month or file a complaint because they do not keep their word. This is impacting me trying to get a equity loan because my score keeps decreasing. It is very stressful that I have to go back and forth with this company. I have done what I was asked to do to make arrangements. I used the messenger on the GM Financial App and sent a message. I just want to not be stressed out by this and having to be stressed with COVID related health problems also.
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-02-09
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. (FL)

I've disputed Experian reporting a bankruptcy on my credit report in 2015. I've informed them to send me information confirming such bankruptcy but to no avail. They only respond by stating the information in accurate. I've contacted NJ Bankruptcy and they indicated they have no record of a XXXX XXXX filing a bankruptcy in 2015. 

When you check the bankruptcy courts public information, the recording mentions nothing about a XXXX XXXX. The information mentions the name of a person who fraudently used my SS # and this information has been filed under identity theft and forward to Experian who still continue to report false and inaccurate information on my credit report. 

Your agency submitted a previous complaint and Experian responded stating they needed more time and I should have the information within the next 60 days. It has now been over the 60 days and they still have not responded and continue to report inaccurate information on my report.
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (MS)

1. On XX/XX/2018, a purchase was made in the amount of {$160.00} for a defective medical device. I returned the unit via USPS and provided a copy of the email from the company and a receipt to Wells Fargo. On XX/XX/2018, Wells Fargo deducted the amount previously credited and did not notify me in order for me to preserve my rights and dispute fraudulent allegations from the merchant. Hence, I have not received a replacement device or a refund. Merchant fraudulently presented a receipt stating no refunds, exchanges only. If that is the case, why have I paid for something I do not have? I have not received the item and Wells Fargo took {$160.00} from me, their customer without informing me. Wells Fargo upheld a scam involving me as their customer. I am appalled and need resolution. 

2. Wells Fargo did the same thing addressed above and did not inform me. After a provisional credit from XX/XX/18, Wells Fargo took the money back out of my account on XX/XX/2018, without informing me, causing problems with my balance. I was told to expect a letter within 10 business days. Again, this occurred several months ago and I wasnt informed that money would be taken out of my account.

3. There was a {$1400.00} withdrawal by Wells Fargo, reversal of excess credit on XX/XX/18, I was not informed of this withdrawal. 

4. There was a {$43.00} withdrawal by Wells Fargo, reversal of excess credit on XX/XX/18. I was not informed of this withdrawal. 

6. There was a {$86.00} withdrawal by Wells Fargo, ATM reversal. No explanation given for this shift. 

I have been the victim of fraud and abuse and Wells Fargo is upholding the fraud and causing unbearable financial distress to its own longtime customer. Their practices are not fair and a customer should be noticed and given an opportunity to address their rights in a timely manner. In each one of these instances, several months have elapsed, essentially voiding my opportunity to dispute. Further, my evidence has not been taken into consideration at all by Wells Fargo. I presented my dispute, in writing and by phone call. These deceptive practices must stop. In good faith, I spoke to 3 representatives at Wells Fargo, the last one was XXXX in the Claims Assistance Center. I was told, you lost and theres nothing that can be done. I told XXXX that I would escalate further and he told me to do what I needed to do. I have lost money, although I in good faith disputed products and services not received. I am still in receipt of my documentation in each of these matters. Wells Fargo should always contact the customer prior to withdrawing/charge-backs.
Consumer complaint received 2024-11-14
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Portfolio Services, Inc. (FL)

CPS CONSUMER PORTFOLIO SERVICES , INC ACCOUNT # XXXX XXXX XXXX XXXX XXXX ) XXXX THE NOT ONLY HAVE ME PAY FOR YEARS THIS USURY LOAN AND DAMAGE MY CREDIT BUT KNOW IM TRYING TO SETTLE A AMOUNT TO CLOSE THE ACCOUNT THEY REFUSING TO STATE THE INFORMATION OF THE VEHICLE IM PAY FOR IT IN THE SETTLEMENT LETTER OR GIVE OUT ANY INFORMATION ABOUT THE TITLE OF THE VEHICLE
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IDENTITY THEFT NOT RESOLVED Source XXXX Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX XXXXhone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX XXXX NC Zip XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NC)

On XXXX of XX/XX/2018, I tried to transfer XXXX USD to my brother. 
They did not transfer the money and they closed my account. 
Since then, I try to get my money refunded. 
They have not refunded my money back. 
There is no way to contact them, they do not give any information. 
This company is a fraud. 
I read a lot of reviews about them and they close people 's account and hold their money as long as they can and they use the money to make profit. 

There are a lot of people like me. 
You should stop this company to hurt the others like us. 

XXXX XXXX XXXX
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

XXXX XXXX sold my mortgage to Select Portfolio Servicing , Inc. ( SPS ) this year. I have been making additional principal payments and the company has 1 ) not processed an additional principal payment of {$500.00} I made on XX/XX/XXXX and 2 ) processed an additional principal payment of {$1000.00} I made on XX/XX/XXXX as an advance payment instead of additional principal payment.
Consumer complaint received 2018-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America has been holding my direct deposit from my employer for 4 business days, claiming that the deposit was on hold due to my account 's " history of overdrafts ''. I was promised that the funds would finally be released tomorrow, a week late.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (IL)

I paid my Ford Motor Credit bill online every month within 30 days of its due date. Ford Motor Credit delayed posting payments and is reporting to the credit bureaus that my payments were more than 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

This complaint is against XXXX XXXX XXXX credit card that had cancelled my credit card 2-years ago without any notification. And now it has been forwarded to the debt collection XXXX XXXX. I was asked to pay {$320.00} which I dont understand where has it come from. Recently I have received a letter to pay {$160.00} to settle the case. I dont understand how has it become the case. 

Id also like to mention that there are a few orders that were returned r sent back but XXXX never acknowledged nor did they ever refund the amount back. For instance : 1. Order # XXXX placed on XX/XX/XXXX includes 26-items. They have been returned via XXXX but I have never received the payment of {$1000.00}. 

2. Order # XXXX placed on XX/XX/XXXX includes 27-items. But theres still a balance of {$18.00} that XXXX owe me. 

3. Order # XXXX placed on XX/XX/XXXX includes 20-items. But I still havent received the refund of {$420.00}. The items  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  were returned in-store at XXXX, Montana. 

4. Order # XXXX placed on XX/XX/XXXX includes 35-items which were returned in -store at XXXX XXXX XXXX XXXX XXXX XXXX CA. But I still havent received the refund of {$310.00}. Those returns were merged with the previous Order # XXXX which was supposed to be picked up in the XXXX, CA store which I never did. 

5. Order # XXXX have already been returned via XXXX but a credit of {$370.00} is still missing. 

6. Order # XXXX and XXXX were supposed to be picked up at the store but due to COVID-19 situation, the stores were closed. Its been more than 2-months but those orders are still not cancelled yet and a credit of {$140.00} and {$470.00} are still missing. 

XXXX sometimes harasses their customers to pay the bills/charges which do not exist, but often forget to pay back what they owe.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion did not properly investigate my credit disputes. I sent them all the required documentation see documents that Isent to them attached. The letter they sent out to me requested all the same information that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploade her is exactly what I sent to them. They ar requesting duplicate information.
Consumer complaint received 2020-06-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

My loan was in forbearance due to COVID-19. I was starting a new job. Approved forbearance on XX/XX/XXXX. I got several delinquent letters indicating my payment was past due. I was told the forbearance would not impact me negatively. Unfortunately, it did. I found out on XX/XX/XXXX my pending VA refinance loan with XXXX would be denied due to the forbearance ( in XXXX, XXXX told me it would not ). I immediately on XX/XX/XXXX, paid the mortgage for XXXX, XXXX and XXXX and cancelled my forbearance immdiately. I requested and was informed from Loan Care Servicing that I would receive a letter in the mail and an email stating my Loan forbearance was cancelled. To date, I have reached out to them 4 times and havenot been able to get any documentation refecting my current loan status with the cancelled forbearance. It is also reflected in my credit report that my loan is in forbearance. I paid my mortgage and cancelled the forberance weeks ago. I deserve documenation reflecting the update. I am trying to refinace my loan and need this documentation to move forward with the process. They didn't hesitate to send me past due notices but will not provide me with updated documentation despite numerous request from customer service.
Consumer complaint received 2020-06-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AR)

On XX/XX/2020, I received a Notice of Assignment, Sale or Transfer of Servicing and a welcome to Rushmore Loan Management Services. The letter also stated Rushmore 's attempt was to meet my loan with efficient, prompt, and courteous services. However as I stated to correspond with Rushmore Loan Management I discovered their services was of deceptive, false, and misleading information. In speaking with an employee of Rushmore. I was advised their company was a mortgage company. I informed the  employee on the phone that the paper work I recently received indicated they were not a mortgage company but a debt collection. The employee assured me their company was a mortgage company. Also the letter dated XX/XX/2020 never identified Rushmore of being a debt collector organization.. I find the whole letter dated XX/XX/2020 as misleading, confused wording, and false representation and vague information. After several e-mail communication about the servicer of my loan, I was mislead again. On or about XX/XX/2020 after I requested information about my current mortgage holder via e-mail. On XX/XX/2020, I received an incomplete, vague, misleading letter from Rushmore with information about XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On or about XX/XX/2020 I requested specific and detailed information about XXXX XXXX XXXX. The information was denied because I never received the specific detailed information. On XX/XX/2020 I received a notice of assignment, sale or transfer of service right to XXXX XXXX with XXXX XXXX another new debt collector. My house is not in preforclosuer and each time a new debt collector has my loan the payment amount is different and another debt collector goes on my credit report. seeking
Consumer complaint received 2020-06-30
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. (MN)

The Department of Education took my tax refund. My loan was in good standing and paid off on the credit bureau. However,. when the COVID 19 situation came about, the Department of Education refunded me my  money. They said that they are not requesting any payments at this. The account will be active and good standing. Their voice recording also do not worry about making payments. Also, the Department of Education said they are accepting any payments at this time. They probably will not be accepting payments for a while. I looked on my credit it said that me acct is closed and not in good standing. How can this happen when the Department of Education said that my account should report in good standing, also I was not the one who requested a fund.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I requiring to review Fraudulent accounts in credit report which I found out recently. All of these accounts were opened not by me and without my permission, without any signature. Please remove them as soon as you can because they are destroying my credit history. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.