davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

My Direct Joint Spousal Consolidation loans was transferred to Mohela. My payment trackers are not showing. I have applied for XXXX under the waiver and have XXXX eligible payments. A XXXX to XXXX from XXXX was issued XX/XX/XXXX effective XXXX of XXXX. Prior to this a had a direct to discharge issued in the spring, canceled XXXX XXXX and reissued XX/XX/XXXX. XXXX promised to discharge my portion of these loans prior to transfer and did not do that. Now it appears part of my data has been lost as well. I can not reach anybody by phone or chat. My portion of the loans should have already been forgiven. I would like information as to when my loans will be forgiven. 

Also, my loans are in a non-interest accruing forbearance and it looks on my account that interest has already been charged on my account since the transfer. 

Id also like information on the XXXX  waiver as that should take care of my ex-husbands portion of the loans.
Consumer complaint received 2023-08-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC (FL)

Been trying to settle this debt for like 2 years now, been writing letters trying to call but no luck and they are still reporting on my credit 7 years later. I recently had a financial team working on my credit and they were trying to move forward with suing me.
Consumer complaint received 2019-06-25
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: Experian Information Solutions Inc. (NJ)

1. Experian did NOT remove a few of the disputed items as they stated on their response for complaint # XXXX ( see attached Experian response stating this, copy of dispute results showing all disputed items still on there AND a copy of my dispute letter dated XX/XX/19. 

2. The only account that was removed recently was XXXX XXXX and it was due to that XXXX XXXX couldnt provide me with any verification at all ( see enclosed documents ) and Experian has been saying for the past few months they have verified that same account and several others I have been disputing. How is that so? What exactly is your method of verification Experian? Its obvious Experian hasnt done anything to verify the disputed debts. Experian as a credit bureau agency the least you can do is require legitimate proof of debt before reporting erroneous information thats damaging to as persons credit.

3. Also Experian didnt respond on my previous complaint " why would they provide a collection agency ( XXXX XXXX ) copies of my social security card and drivers license if those personal documents were only addressed to Experian ''. 

Please advise.
Consumer complaint received 2023-08-17
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: Exeter Finance, LLC. (FL)

This company has been investigating a complaint filed regarding a forged auto loan contract that they own period other issues within the contract, such as the loan company, having a completely different contract than what the dealership provided us has been brought to their attention and not rectified period meanwhile, they are continuing collections during their investigation and reporting delinquencies to my bureau.
Consumer complaint received 2019-06-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (UT)

We are the home sellers. The buyers are getting a VA loan through Orion Lending. VA inspector did the VA inspection on XXXX XX/XX/2019, closing was supposed to be on XXXX XXXX. Heard nothing from the lender so closing was delayed to XXXX XXXX. We were not informed of repairs necessary until XXXX XXXX. All repairs were completed by XXXX XXXX. Re-inspection was done and repairs approved on XXXX XXXX. Orion Lending didn't get the closing disclosure sent out until XXXX XXXX, then their systems went down for a day. Now documentation corrections are needed for the title company and closing was again delayed to XXXX XXXX. This entire process has been one delay and error after another. It is probably too late to get this incompetence fixed for our house sale, but this could serve as a warning to anyone else who wants a mortgage through Orion Lending.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (NY)

I recently reviewed my credit and noticed some hard inquiries that I am not aware of. The inquiries are as follows : - 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 2019-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I filed an complaint against this company and they stated that they would move this from my credit but instead they are reporting on my credit every two weeks. This is fraud. This company has not honor what they stated in complaint number - XXXX
Consumer complaint received 2019-06-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

The company Knight Adjustment Bureau located in Utah is a debt collector, they are not willing to make a deal with customers about payments on their accounts, even though they have a web side where a customer can go and make a payment, they still send a letter saying they are not accepting partial payments on their accounts, XXXX the are requiring the total payment on their account, they dont care what is the amount on it, also they are adding cray % of interest on the accounts that are already in collection, for all the reviews online this people work this way to be able to take people to court and get more money on the top of what its own. 
Can somebody check on this and help, they can not be abusing people this way. Please Help
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

I have spoken to Cornerstone 's property tax customer service numerous times. The first time I called was about a month ago inquiring if they had received my homestead exemption approval. I was told they did not have the information and that I would have to submit this to them. I then contacted the tax appraisal 's office and was told the information in public and accessible to the mortgage company. I then called the mortgage company back and informed them of what I was told. I was then told it would take up to 3 weeks in order to get documentation from the tax appraisal 's office. I waited 3 weeks and called them back and was told it would take another few days to a week. So, I waited and I recently called on XX/XX/19 to check on the status. At this time I was told that they received an approval but did not know how much and then told me my taxes had increased tremendously. I was informed that my total taxes on my home that was appraised at {$380000.00} and tax rate being around 3.5 % would be {$24000.00} and then some. I told them that there had to be an error because that is incorrect. They insisted that this was correct. I asked to speak with a supervisor and was transferred and was told the same. I was told to reach back out to the county to find out an exact dollar amount as to how much I was approved to be exempt because it looks like the taxes has increased by a lot. I contacted the tax appraisal 's office and was told that the amount was not {$24000.00} and that was absurd. I was told it is estimated to be {$12000.00} and would provide documentation to send to the mortgage company. I have sent over this information to them but was still told I was wrong and that they contacted the tax office and that they have the correct numbers. I was told that they spoke to a person by the name of " XXXX '' and gave me the spelling of the name and that the county is the one who inputs the tax amount and that they do not input any numbers. I contacted the county back and was told that was incorrect because they do not have an employee by that name there. 
I have spoke to nothing but rude individuals at this department. The last encounter I had with them was today XX/XX/19 and this lady put me on hold for 10 minutes ( before I hung up ) to speak with a supervisor that she says can not do anything more for me that she could do. 
I was told my monthly mortgage will change from {$2800.00} to {$5400.00} in XXXX. This is absurd and not feasible. I would not even have qualified for this type of loan to begin with. I have never dealt with this being that this isn't my first rodeo with a mortgage company. So unprofessional and very discourteous.
Consumer complaint received 2019-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (TN)

My mortgage servicer changed from XXXX XXXX to PHH Mortgage Services Received a letter stating my property was going into foreclosure. I've made my mortgage payments on time and since the servicing changed to PHH the customer service is bad and I've had difficulty with the posting my mortgage payments to the mortgage account. I called PHH mortgage to make a mortgage payment and was told the system was down and to wait until the loan was in their system of which I called several times and they finally took my payment over the phone. I have not been late paying my mortgage. When I call PHH I speak with Customer Service to check the status of my mortgage they would tell me the computer is down or they don't have information on the mortgage.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (DE)

I opened a Citibank checking account promotion for XXXX AAdvantage miles on XX/XX/23. 

To qualify for the bonus, both must be posted within 90 days of opening the account : 1 ) Make at least 2 qualified ACH deposits equaling {$1000.00}. ( completed on XX/XX/23 ) 2 ) Make at least {$1000.00} in purchases using their Citibank debit ATM card. ( completed on XX/XX/23 ). 

Citibanks Terms and Conditions copied from this promotion : Your Checking Account must remain open until you are paid. 
To remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your bonus. Your AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all Required Activities. Note : You will not fulfill the offer requirements if your Eligible Checking Account or AAdvantage Account are closed at the time the AAdvantage miles are credited to your AAdvantage Account. 

I inquired twice, after 30 days from the qualifying actions, and was told to wait up to 90 days. I called again on XX/XX/23, and the representative escalated my claim to the promotions dispute department after confirming that my bonus miles should have been awarded on XX/XX/23. Rep asked that I call back the following Friday, as disputes can take up to 5 business days. 

Today ( XX/XX/23 ), I was told the dispute was resolved on XX/XX/23 in my favor, and that I did completed the necessary activity to receive the bonus, and that my miles would be awarded. But that I must wait another 30 days to receive them. Unacceptable. 

My complaint : I do not believe Citibank had any intention of rewarding my miles. My account has been open for over 90 days, in good standing throughout. No action from Citibank would have occurred without my several inquiries. If a consumer must abide by the terms and conditions to qualify for a bonus, then the financial institution should be held to the same agreement they state in their terms to award their customers. I believe the funds in this account is being used for the benefit of Citibank, and extending this use for as long as possible without obligation to their consumers, nor an urgent resolution to restore consumer trust. 

I have all supporting documentation to support my complaint.
Consumer complaint received 2019-04-19
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. (NJ)

i am an identity theft victim. accounts open in my name were not mine XXXX XXXX  XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-25
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NJ)

in XX/XX/2019 i received my barclays uber credit card statement there were charges of XXXX i called the customer service to report that i had no idea what these charges were.

barclays closed my account took a fraud report and issued a new card.

On XX/XX/XXXX i got a letter from barclays that the charges were mine i called barclays and they said XXXX provide info that i made these charges i explained that i didn't know what the charges were then asked barclays to provide me with lifts explanation of why these fraud charges were mine Barclays said they were finished and i could not put it back in dispute that now i had to deal with XXXX. Why should i deal with XXXX  when my barclays issued credit card was used fraudenty i am being charged for something i did not receive and for me to contact XXXX  with any info that i know nothing about is crazy and how can u get in charge with them there is no corporate phone for them.
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

I checked my credit and saw an account from COMMONWEALTH FINANCIAL for Florida Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a XXXX   and needed financial assistance. 

COMMONWEALTH FINANCIAL did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against COMMONWEALTH FINANCIAL should this item not be deleted within the required time allowed by law. 

COMMONWEALTH FINANCIAL is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX   and XXXX  as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2022-12-14
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. (IL)

My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - XXXX XXXX XXXX # XXXX XXXX  Status showing Active Open account inaccurate data - XXXX XXXX # XXXX Show account balance on a closed write off account inaccurate
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian on XX/XX/XXXX in regards to inaccurate information on my report that was not validated. I let them know that I reached out to the furnishers like the told me to, but the furnishers failed to investigate and failed to validate as well. Experian did not complete their investigation in XXXX days and I still have not received the results. They and the furnishers are violating the FCRA by not conducting their investigation in XXXX  days and continuing to report inaccurate information.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (SC)

I have a credit card with barclays credit card company and i was a victim of fraud and ask for the charges to be cleared and the refused to clear the charges even though i sent a police report with the appropriate documentation from the police department and they refuse to clear the charges and the interest and late fees are steadily rising .The charges accumulated on XX/XX/2019 in the amount of XXXX, XX/XX/2019 in the amount of XXXX and XXXX and XX/XX/2019 XXXX with a balance now with late fees they keep adding because i refuse to pay the charges when iam the victim is over XXXX as of XX/XX/2019 and iam sure its even more .When i discovered the fradulant activity i contacted the company and had them to close the account and the didnt want to close they only closed it because the card reached its limit.Please help me resolve this matter and in the future I will never use this company again are recommend this company EVER.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NC)

Midwest Recovery has reported to my Credit that I owe them XXXX from some place called XXXX  XXXX XXXX. This is not my debt and Midwest Recovery has not even contacted me they just placed on credit. This is the third time this company has done this and the other two were removed because they knew they were scamming me. This XXXX needs to stop with Midwest. They are THIEFS. And by the way online payday loans are illegal in NC. So how would I do that.
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc. (ID)

This timeshare was purchased in XX/XX/2018after my husband and I attended a presentation while on vacation. There was quite some pressure to make this purchase as the associates there were VERY persistent. On top of all the alcohol they kept encouraging us to drink. We were on vacation so obviously we obliged to a little fun. We have literally never used the timeshare and we are just incurring too much debt with the maintenance fees. The presentation was a bit of a mess due to the fact they were talking so fast and they kept bouncing around from topic to topic. Now I can see they just wanted a signature for their contract but back then I was being sold a " dream. ' We were fed many lies and a lot of empty promises were made. None of which we have seen in action. And after a few drinks, well, here we are. I felt we were taken advantage of due that we were a little older and celebrating our retirement. Immediately, after the purchase we were forced to submit to financial hardship due to the pressure from the associates who conned us. Numerous times we tried to contact them for a cancellation and numerous times we got the run around. That is when Meridian came into play. They contacted us saying we owed them money, which came to a surprise to both of us as neither one of us ever agreed or signed off on any documentation for assistance from Meridian. We have asked them to cease all communication but they are also a persistent group and attempt to collect the debt consistently and it is now showing up on our credit reports. For me personally, this comes off as predatory  lending and simply an opportunity to take advantage of a more mature couple. We can no longer take the constant phone calls harassing us for payments.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

Paypal credit through synchrony bank changed my credit due date unilaterally, without my knowledge or consent. Then they charged me a late fee because I made a payment on the date I have in my calendar, which turned out to be one day late. I believe this is a deceptive emerging pattern of practice because I always pay off this particular card within XXXX mo of purchase because they offer 0 % interest if paid off within 6 months of purchase. By changing my due date, they can then start charging me back interest due to an alleged breech of terms. Please look into this CFPB