davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

Mohela. I made early payments in XX/XX/2023 prior to payments starting totaling {$4900.00}. Checked my account in XXXX and noticed I placed back into forbearance and called Mohela and was told they didn't know if those payments I made would count towards future payments. Got another noticed that I was forbearance and said I could request a refund. So I requested a refund on XX/XX/XXXX and was told 5 days for refund. No refund in 5 days so I called back was told 30 days. No refund at 30 days. Called back was told 90 days. Sent a complaint to the XXXX got a generic response from Mohela and every letter says that they are trying to collect a debt and are a febt collector. I have a loan that is NOT in default and trying to get a refund on what I paid ahead since I was originally told they didn't know how those payments would count towards future payments. One would think logically that those payments would be applied towards future payments, but when speaking on the phone with them they kept telling me I would owe in XXXX even though I had paid enough not to have a payment until XXXX originally not knowing I had been placedin forbearance until the end of XX/XX/XXXX., but since in deferment those payments would have counted from XXXX to XXXX and payment due in XXXX. They have no clue what is going on and sent letters stating they are trying to collect a debt. This is absolutely ridiculous. They say 60 days for refund is it XXXX business or calendar days and why can't they just give a date??? And refund inba timely manner. XXXX days is not timely.
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX account with account opened on XX/XX/XXXX and a balance of {$24000.00}. 
I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX  XXXX Revolving account with account opened on XX/XX/XXXX and a balance of {$140.00}. 
I previously disputed this account stating : " I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Collection account from XXXX with account and a balance of {$4300.00}. The original creditor is XXXX XXXX XXXX. 
I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. 
Please reinvestigate these matters and delete t Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Consumer complaint received 2024-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OK)

For loan number XXXX, I continue to have issues related to the transfer to Shellpoint Mortgage in XXXX. The loan is collateralized by several properties, two of which were sold prior to the transfer to Shellpoint. Those properties, XXXX N. XXXX XXXX XXXX  XXXX, OK XXXX, and XXXX XXXX XXXX XXXX, OK XXXX, have not been under my ownership since XXXX and XXXX, respectively, but Shellpoint still disbursed property taxes for them to XXXX XXXX on XX/XX/XXXX. I have obtained re-amortizations associated with the disbursement of those properties dating back to XXXX and XXXX due to errors from the XXXX transfer to Shellpoint, so they have known and acknowledged that I don't own those properties. Since no later than XXXX, I have been attempting to have an escrow analysis completed because I am still being escrowed for the disbursed properties. Shellpoint informed me that by XX/XX/XXXX they would have the incorrectly disbursed property taxes reimbursed to my escrow account but that did not occur. I'm requesting that they immediately refund the property taxes for the properties mentioned herein, which I did not own on the disbursement date. I am also requesting that Shellpoint subsequently complete an escrow analysis to right-side my monthly escrow payment to reflect the reduced number of properties on the loan. Several months of effort have passed of attempting to complete these items without success, leaving me in a position of being substantially over-escrowed if the improperly disbursed funds are returned. It also appears that some escrow refund process occurred prior to completion of the above steps, leading to an escrow refund on XX/XX/XXXX which has been taken from my escrow account. As of XXXX I have yet to receive that refund, so I am making a third request to ensure those funds are properly returned to me.
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (FL)

XXXX XXXX Account number XXXX Late Payments Unauthorized Inquiries XXXX XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiry XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX Account XXXX XXXX account XXXX Unauthorized Inquiry please remove off of my credit XXXX XXXX Account number XXXX Charged off account unauthorized inquiry please remove off my credit report XXXX XXXX Account number XXXX Charge off account XXXX  unauthorized inquiry please remove off credit report
Consumer complaint received 2024-03-13
Product: Credit reporting 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. (MO)

I have security freezes on my credit report with all three credit bureaus to help guard against identity theft, etc. I am applying for a new loan, so I need to unfreeze my reports temporarily. Equifax displays an error " We are temporarily unable to complete this request. Please try again later '' when I type my login information. I then reset my password which appeared to be successful. Despite this, I get the same error with the new login and password. I have called them and they claim they have fixed the problem but I still can not login. Then they told me that it will start working later on, maybe XXXX XXXX but they cant be sure. I asked to speak to a supervisor and they refused to connect me with one.
Consumer complaint received 2024-04-11
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: OneMain Finance Corporation (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ONE MAIN XXXX, XXXX Dear : ONEMAIN Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances. 
surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XX/XX/XXXX
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (NY)

Your agency is in violation! 
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.

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX  's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX  's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX  Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: APLUS INSTACASH LLC dba A+ FINANCE ()

Good afternoon, I would like to file a report about this lending app INSTACASH XXXX  in play store that continues sending me grave threats everyday about my loan. At first, they adding so much high loan interest to the money that I got, where in it is higher than 6 % which is illegal. Already talked to them that I can settle the payment by tomorrow. 
Please take time to see the photo attachments here. Please take further actions immediately and ill be waiting for your response. 

Thank you and More power!
Consumer complaint received 2024-03-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

PREDATORY LENDER. I was not informed my payments would be bi-weekly and they are using loopholes to charge insane interest rates. First off, they charge a 10 % origination fee and instead of charging interest they charge a statement balance fee every 2 weeks. Which comes out to like 159 % APR. I do not understand how this is legal in Florida, they definitely need to be investigated. I want to reach a settlement with them as my {$1400.00} line of credit is now up to {$1600.00} and Ive already paid them {$290.00}. DO NOT use them as a lender theyve already been sued in multiple other states and if I had the means I would try to as well.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I activated one of the credit card cash back offers on my Chase Freedom Visa card the was for 10 % back up to a maximum of {$57.00} for staying at an XXXX hotel. The offer was good until XX/XX/XXXX. I checked out of the hotel on XXXX XXXX and the charge posted to my account on XXXX XXXX for {$640.00}. They never honored the offer and I never received the credit that I was entitled to. I contacted Chase several times via phone and using their online secure messaging system. I spoke to supervisors on at least 2 of the phone calls. I provided proof that I had activated the offer on my account yet they continued to say that I didn't. These offers have to be added to my card to qualify for them and I am careful to add these ahead of time if there is a chance I'll be using them. Chase has a section on your account called the " offers wallet '' and when you are logged in, it that shows these offers that you have added to your card. Offers that have been added that I didn't use appear in the expired tab of the wallet once the expiration date has passed. If I did not add an offer to my card, it never appears in the expired tab, it simply no longer shows up anywhere. This is clearly stated by Chase and I even sent screen shots from my account indicating this and that that particular offer was there for my card. They refuse to tell me why they continue to say I didn't add that offer despite the proof I sent them.
Consumer complaint received 2024-03-20
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

My account was hacked someone used my card and I did disputes the disputes came back into my account and the investigation is XXXX XXXX and I was awarded provisional credits, they suspended my account for no reason said it was a security risk they can no longer offer me services and they have all of my money they said they can hold my money up too 180 days it's my daughters money also we both got from the government. There not letting me add a bank account too withdraw it.they deleted my cards, I told them they can't close my account because they have our money. They said case was closed no correspondence was needed after emails.its venmo money services and Noone will help me direct me too a supervisor when asked several times I was denied amd the only people I can talk too is an account Specialist. This is ridiculous. I've contacted irs, XXXX, lawyers, I want my money amd my XXXX money.
Consumer complaint received 2024-04-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (PA)

XXXX I gave instructions to Marcus Bank to close and transfer money to external account. XXXX cd matures. Marcus said money was transferred to external acct. My external bank Never received record of a transfer. XX/XX/XXXXXXXX Marcus reversed transfer. No reason given. Now Marcus tried to send 4-digit pin. My cell phone number is not connected to my Marcus Account, and my landline wont accept call from unknown system generated number. It just rings once and disconnects. Impossible for me to get code. Marcus then locked my account. After weeks of my calling, they inform me Id have to complete an affidavit and have it notarized. I should have received affidavit in XXXX business days. I was told affidavit was mailed XX/XX/XXXX. It wasnt! The last ( of at least XXXX Marcus employees ) XXXX said affidavit had to be approved before it could be mailed. All new information! Now XXXX said it got approved ( no idea what it was approving ) and was mailed. XX/XX/XXXX. Ive lost sleep over this and am stressed beyond means. I need these funds to pay my taxes. From reviews Ive read, this seems to be a recurring problem with Marcus by Goldman Sachs. I think this bank and its employees are trying to keep my money. No employee gives the same answer. Nor do they try to find a suitable way to get this processed. Thank you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: StellarFinance, Inc. (MO)

Company is aware of account being opened without permission or authorization by my daughter who is a minor. Company claims that we owe them money for a bill they paid they cant provide statement for. Refusal to remove linked bank account and continues to deposit odd amounts to bank account. Only one month ( XXXX ) of being a 3rd party bill payer directly removed from my bank account. 
Stellarfi refuses to stop membership fees and stop membership. Threatens to continue negative reporting unless a fictitious amount is paid. Stellarfis listed phone number is out of service. 60 late payments reporting in XXXX on behalf of a bill owed from XXXX. Purposely harming credit and refusal to remove bank information. Service only used one month!
Consumer complaint received 2024-02-02
Product: Credit 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: DISCOVER BANK (IN)

There were charges made on my Discover Card thru XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX of XXXX per XXXX. XXXX informed me that it was not done thru my XXXX account but through XXXX XXXX. I had to contact XXXX XXXX. They informed me that someone with the initials of XXXX did the charges. I do not know anyone with these initials nor do I know anyone in XXXX nor did I authorize this. Discover refuses to aknowledge this as fraud.Discover sent a letter to me on XX/XX/XXXX stating they see no evidence of fraud.XXXX told me to contact Discover to dispute the charges. 

Please note the card in question ended in XXXX. I don't have it anymore as it was cancelled after discovering the fraud. I don't know that number but the CC company can identify it with my new card.
Consumer complaint received 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Purchased vehicle at XXXX detail XX/XX/XXXX, contacted seller about car problems XX/XX/XXXX, transmission, XXXX catalytic conversion, water pump, radiator, alternator, XXXX censors replaced in in XXXX. They would not help I know it was as Id put I was under the impression I was purchasing vehicle at buy here pay here for XXXX, I paid XXXX, up front. Car is a lemon. Got repossessed I brought it back cause XXXX stuck in loan told bank of all these issues. And they didnt look into it. Car dealer was closed down due to complaints from buyers.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HILLTOP HOLDINGS, INC (MA)

Dear PrimeLending Customer Service, Attn CFPB and All three Major Credit Bureaus I hope this letter finds you well. I am writing to address a persistent issue regarding the reporting of a late payment on my credit profile by PrimeLending. Despite numerous attempts to rectify this matter, the erroneous late payment continues to negatively impact my creditworthiness.

I have been a loyal customer of PrimeLending for about 10 years, and I value our relationship. However, I have encountered an ongoing issue with my credit report that requires immediate attention. The issue revolves around a reported late payment that is inaccurately attributed to my account. I have made several calls to your customer service department to address this issue, and while your representatives have been helpful in temporarily removing the late payment from my credit report, it reappears after a certain period.

This recurrent problem has been both frustrating and detrimental to my financial standing. I have diligently made my payments on time, and it is disheartening to see my credit score suffer due to a chronic mistake on PrimeLending 's part. As a responsible borrower, I believe I deserve accurate reporting and fair treatment when it comes to my credit profile.

I kindly request that PrimeLending take immediate action to permanently remove the incorrect late payment report from my credit profile. It is crucial to rectify this situation to prevent further damage to my credit history.

I am aware that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of information reported by creditors, and I trust that PrimeLending will adhere to these guidelines by promptly addressing and correcting this issue.

I kindly ask for a written confirmation of the removal of the incorrect late payment from my credit profile within 30 days of receiving this letter, as required by the FCRA. Additionally, please provide me with the contact information of the individual or department responsible for overseeing this correction to ensure effective communication regarding its resolution.

I believe in the importance of maintaining a positive and productive relationship with PrimeLending, and I am confident that we can resolve this matter amicably. Your prompt attention to this request is greatly appreciated, as it will allow me to regain confidence in the accuracy of my credit report and ensure the fair representation of my credit history.

Should you require any further documentation or information from my end, please do not hesitate to contact me at your earliest convenience using my supplied identifying information. I look forward to your prompt response and a swift resolution to this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX