davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX : Mats ordered online at XXXX 
XX/XX/XXXX : Mats received by me and immediately placed them into my vehicle and found they did not fit at which point I immediately contacted XXXX via email. 
XX/XX/XXXX : Emailed photos of oversized mats to XXXX. 
XX/XX/XXXX : Email from merchant : Our design team is currently reviewing the issue and we will be in touch with you if any further information is needed. 
XX/XX/XXXX : I requested status on my case from merchant. 
XX/XX/XXXX : From Merchant : I've received an update from our design team, and upon thorough examination of the photos, they acknowledged that the front row mats are unsuitable. 
XX/XX/XXXX : Emailed merchant : Ok, I was able to make the back work. Looks good. Now, can we please expedite the front? 
XX/XX/XXXX : Email from merchant : I am sorry for the late response. Our designer has added this to our reissue tracker, and they will soon begin working on the layouts and creating newly revised mats for you. I'll keep you updated and provide a tracking number as soon as it's available. 
XX/XX/XXXX : I requested status on my case from merchant. 
XX/XX/XXXX : Email from merchant : I'm currently waiting to hear back from our designer, and I've taken the initiative to send a follow-up message to request an update as soon as possible. Rest assured, as soon as I receive a response, I'll promptly keep you in the loop about the latest developments.

This is the last I heard from merchant. On XX/XX/XXXX I filed a dispute with Capitol One, my credit card company. On XX/XX/XXXX Capitol One requested further information which I provided. XX/XX/XXXX I received a response from Capitol One that they considered the dispute closed in favor of the merchant. I am out {$210.00} and left with merchandise that does not fit my vehicle. I hope your agency can help me out. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-20
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: General Motors Financial Company, Inc. (FL)

GM financial reported to the three major credit credit bureaus that my auto lease was a charge off. During my installment auto lease, I never paid late. All payments was made via my GM Financial online account. Paperless. After my lease ending I checked my balance online several times. My online balance showed a zero ( 0 ) amount. 
Several months later I received a call from GM financial collections stating I had an outstanding balance of {$1100.00}. I explained to the representative that I was not going to make a payment when # 1. My online account balance showed a zero owed amount and # 2. I had no clue what the {$1100.00} was for? The representative said they would send me the information in the mail. I never received ANY correspondence from GM financial via the mail, during or after my lease. Remember, I have a paperless bill account. A few months later I tried to apply for a new credit card and I was denied. 
So I pulled my credit report and to my surprise, I have a negative mark on my report for this lease. When I contacted GM financial, they explained that the {$1100.00} was for my lease disposition fee and excessive wear on my tires. I explained that I had an insurance policy purchased at the time of my lease to cover any excessive wear. When the representative looked up my account they confirmed that I indeed had a policy. They said the GM financial had made an error and only billed the Insurance company {$85.00} and they would take care of it. At this time I still had an issue with regards to the disposition fee. I explained I never received any notification of a balance for the disposition fee. As it turns out I am correct. GM financial sent the bill to a old address which I had to lived in over two years. When I asked why the fee did not show on my online account balance, they said they only mail these bills. Remember, I have a paperless payment account!!! So I paid the disposition fee. 
Now, today XX/XX/21, My credit report still shows an outstanding balance of {$500.00}, late payments and a charge off. XXXX refuses to remove this negative mark from my credit report. So I have an issue with XXXX and GM Financial XXXX case # XXXX GM Financial account # XXXX
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (IL)

I have been requesting the contract and payoff amount for the Global Lending Services account for which I had been making payments from the company since XXXX of XXXX. The company would never send out the documents for which I had requested. In XXXX, the company repossessed the vehicle on XX/XX/XXXX, citing that the payments for the vehicle was 30 days late. I paid all monies Global Lending Services SAID that I owed ; when I asked for that information in writing, along with a receipt, I was advised by the representative that the company doesn't provide that information. I was then advised that I was 30 days late, which I was not. The company had removed my name from the vehicle 's title, and had to send me a power of attorney document to put it back after paying the money they told me that I owe them. In addition, on XX/XX/XXXX, the company reported to the credit reporting agencies that I was 90 days behind and owed {$13000.00}. I have been requesting the credit bureaus to investigate ; the company provides the credit bureau no documented information. 

I sent GLS a letter XX/XX/XXXX requesting the contract for the loan with the payoff amount in exchange for my payment to settle the account by XXXX XXXX. The original request was ignored. I sent out a second letter extending the offer for XXXX additional days ; the letter was ignored. GLS did not respond to the letter that I sent them, however, they continued to call and report to the credit bureaus. I continued to pay through XXXX. I then sent out a request for the company to send out a release of lien letter to be removed from the title as they have denied me the equity in a timely response and to pay off the loan, which legally and financially settled any business regarding that account. 

GLS has recently reported negative information to the credit bureaus regarding the tradeline.
Consumer complaint received 2019-09-08
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: EQUIFAX, INC. (GA)

A company called XXXX XXXX XXXX has been added to my credit report for XXXX, Equifax, and for XXXX. I just received the notification. This is fraudulent information. This company has not sent any notices at all. Probably because they know that it isn't my debt and is someone elses. These credit bureaus are required to verify and validate any and all information before it is reported to my credit report and they have not done so. I have extended fraud alerts on here and they have allowed fraudulent information to be reported to my credit report. There is no reason why fraudulent information should be showing up on any of my credit reports.
Consumer complaint received 2021-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WI)

2 months ago Flagstar Bank sent me a letter letting me know that my mortgage payment will increase due to a change in the insurance I chose. They also let me know that I had been sending the payments to the wrong location ( XXXX, Michigan ). The location of where I'm to send the payment is now XXXX, Texas. I sent the payment on XX/XX/XXXX as the money order receipt shows. They payment is XXXX, though I always round it up to XXXX. 2 weeks ago I got a message from Flagstar that they never received the payment, this has happened several times when they change the payment location and even though I had a conversation with them they are still claiming that they have not received it. Notice also on the attached documents the XX/XX/XXXX payment from their website. I sent that payment early and to the XXXX, Texas address. I am frustrated all the time with them and feel that they are trying to take my house even when I make the payments on time. Even when I spoke to them they should have at least checked the XXXX, Texas office to see if the payment was there instead of automatically assuming that I missed the payment. I sent other money to other bills that same time and they all received their payments. I also feel that since I got dismissed from bankruptcy they are really trying hard to put me back into foreclosure.
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

I was contacted at work 4 days ago ( Friday XX/XX/XXXX) by someone named XXXX, from Credit Bureau Systems Inc. This call was an attempt to collect a debt originating from an ER visit earlier this year. On that call I explained that I was under the impression that i was not responsible for any portion of the cost of said visit, and the agent took time to explain everything to me. She also reminded me that if i did not take any action this would result in a legal action. We ended the call agreeing that I needed to speak with my coverage provider before proceeding. 

I then began getting more calls at work again on Monday, Tuesday, & Today from the same agent. 

During a conversation again with the same agent, she took a much less civil approach this time. I tried explaining that i simply could not pay the balance today. And the agent began to suggest that i use a credit card. I declined and she continued saying that i have good credit and i should put the charge on a credit card. 

at this point i realized that this call had strayed from the normal and allowable parameters of a Debt collection call, and attempted to end the call amicably, but I only received threats of legal action and anger.
Consumer complaint received 2021-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have student loans being managed by Fedloan Servicing and I am disputing the payments eligible for public service loan forgiveness. Over the years I have attempted to get satisfying explanations about why payments were considered ineligible snd have not received adequate explanation. Fedloan servicing has always been my lender for the student loans in question. ( I have another student loan managed by XXXX, but I am not disputing those right now ). These loans have never been consolidated. I have always ( without interruption ) worked for a qualifying nonprofit or government employer. I have routinely updated my qualifying employment by submitting the public service loan forgiveness forms which have been accepted. I would like to dispute my ineligible payments but have not been supported in doing so by Fedloan servicing. I am looking for help challenging these ineligible payments that I have made in good faith toward public service loan forgiveness.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I received a letter that Experian put a credit alert on my report. I have not lost my credit cards and just left XXXX two weeks ago but I am molested daily with reports on the internet from them and XXXX XXXX. Can the Experian just remove this credit alert as no one wants to give me credit because of this erroneous information.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/24 I opened a PayPal account for my established business via their website. While the account did open, I then was faced with an issue when requesting a business debit card for the account. The system wouldnt give a reason for the declination, nor could customer service. 

PayPal continued to email me to get the debit card as of XX/XX/24 but the system said I was declined without giving any adverse action notice. 

On XX/XX/24 when I logged in, the system suddenly asked me to confirm the address I wanted my debit card sent to - so I did. 

On XX/XX/24 PayPal invited me to apply for their XXXX XXXX, which the system again declined me for and nobody was able to give a reason or adverse action notice. However, the same system then approved me for a Virtual Terminal / Advanced Payments product without question. 

On XX/XX/24 PayPal refused to activate the business debit card stating they were unable to verify my identity because my wireless carrier wasnt releasing account information to them. After speaking to a supervisor, I was able to ascertain this is a common occurrence and they refuse to give any answers about the sources of information they use to take these kind of adverse actions against consumers. 

In light of the consistent declinations - as well as refusal to release the source of their adverse information for which they took action against me and my account- I have to assume PayPal engages in discriminatory practices when it comes to their financial products.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

After carefully reviewing my EQUIFAX credit report on XX/XX/year>2024 I noticed that there is XXXX duplicate accounts on my credit report. These XXXX are listed twice and should be listed only once. 
- XXXX XXXX - XXXX - XXXX  XXXX - XXXX - XXXX XXXX XXXX - XXXX I am filing a complaint against equifax and I am requesting the duplicated accounts removed from my credit report within 30 days.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

On XX/XX/2021, I requested the original contracts and payoff amount for the student loans that are associated with my name, exchange for payment by XX/XX/2021. I did not receive a response. Therefore, I sent another letter extending the date to XX/XX/2021. I still did not receive a response. I have tried to get assistance from the credit reporting agencies ; they all have reported the information has been verified. I don't understand how they are able to get the information that I am not able to get in exchange for payment.
Consumer complaint received 2024-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

Sallie Mae sold my loan to Navient is the first problem. The original loan I applied for from Sallie Mae was for {$40000.00} when Navient gave me details of the loan the original amount showed {$43000.00}, and I have been in an interest-only rate reduction plan since I began making payments on the loan through Navient in the year of XXXX. I have paid interest for 12 years and the principal balance has not moved. The balance on the paperwork from Navient was {$82000.00} unpaid principal balance before payments began on XX/XX/XXXX and on XX/XX/XXXX the unpaid principal balance was {$87000.00}. By the way, my payments started at {$640.00} a month and in XXXX they were {$670.00} a month. Fast forward, to XXXX my balance is approximately $ XXXX, and monthly payments are {$680.00} for now. Navient sent me an email on XX/XX/XXXX stating that my payment on XX/XX/XXXX, would be {$1700.00}. 

My question to the Republicans, the Democrats, the XXXX, and the XXXX is how am I ever supposed to pay off a debt that is continuously changing like this, and none of the payments are going toward the principal balance? Remember that I am placed on an interest rate-only reduction program/plan with the interest continuously added to the principal balance. 

In the meantime, the Republicans and the Democrats are in XXXX discussing everything but the ROBBERY of hardworking clients by Navient, and the XXXX is funding a WAR in my opinion with the interest-only funds that I am paying Navient. 

XXXX!!!! XXXX!!!!
Consumer complaint received 2024-02-16
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)

On XX/XX/2024 called XXXX XXXX  again, XXXX XXXX  stated we don't handle your account anymore, I then said, you already transferred me to XXXX XXXX last week, they then transferred me to XXXX XXXX, who stated they not collecting debt also. 
XXXX XXXX stated fax Email to her ( XXXX XXXX ), FAX # XXXX FILE # XXXX ATTN : XXXX SHE WILL VERIFY EMAIL ADDRESS AND PROCESS WITH XXXX XXXX  TO START DELETIONS PROCESS!
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

i sent XXXX to my friend in XXXX with bofa via XXXX. couple days later XXXX informed me transaction did not go thru and it takes 90 bussines days to refund. i decided to dispute with bank of america for quick solution cause i didn't want to wait that much. bofa gave me 2000 credit for a month to fix problem. than they took it back and my account went negative. bofa decline my claim 2 times cause they recieve information from XXXX that transaction went thru. i just recieve information from XXXX that they re saying they already refund my money to bofa. they re acting like i am a fraud. i been waiting to get my money back for 90 days. i believe this two companies need to contact with ea to fix this. all information attached. ty for ur help
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

THE COMPANY XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Called to have account closed on XX/XX/XXXX due to a combination of personal hardships & fraud due to my details personaly information being compromised by several companies and my wallet being stolen from my car while at the hospital visiting my wife and kid who were both admitted.

The bank instructed me to take out my money at an ATM. I left approx {$30.00} in the account. I was told the account was going to be in a mode that would only allow money in and not out. I was told my account would be closed.

It's been 3 weeks and the account is not closed and is now causing a cascade of issues related to no sufficient funds. The bank admitted on a phone call on XX/XX/XXXX that the account wasn't properly closed. I asked for a remedy and they failed to provide one. The account is still not closed and I am very upset. They are rejecting transactions due to XXXX  and not due to account closure. I am now seeking immediate closure and financial compensation for their failure to properly close an account.
Consumer complaint received 2023-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC (AZ)

I was approved for a grant from HAF to cover my mortgage payment. In that process my mortgage servicer was transferred. Instead of forwarding my XX/XX/2023 mortgage payment to the new company like they are suppose to by law, they returned to the state where the grant was from. I contacted the state and they are saying they did not receive any payment back from the service provider.