davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

I filed a dispute on XX/XX/XXXX For {$3500.00} original date of purchase XX/XX/XXXX2023 XXXX XXXX XXXX XXXX I spent two hours on the phone yesterday to find out that the dispute is final and closed. I inquire where was the other {$810.00} that I paid on the account. I was informed that I had to pay interest. 
How is it possible for me to pay interest and all the money was credited back to my account? 
I did receive {$520.00} on XX/XX/XXXX because I asked Barclays to mail me a check. 
Ive made a total of {$1300.00} in payments on the account. 
This unfair and unethical practices by this company The owe me XXXX
Consumer complaint received 2017-06-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

They call up to 8 times a day from spoofed numbers. They are rude and use obscene language and wo n't tell me where they are calling from. I call back and then I can get the name of the company. They called at XXXX XXXX also
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Klarna AB (TX)

on XXXX XXXX XXXX i purchased a gift card from klarna in the amount of XXXX for a virtual gift card to XXXX as it is offered on Klarnas website, I put the items in my cart and entered the gift card number as my payment method, Immediately after submitting the order I received notice that my order was cancelled and items were cancelled and my account was completely locked. I called XXXX over and over again and they refused to assist me however they did inform that due to a glitch in their system the accounts lock when you attempt to use a virtual gift card from Klarna, Since then I have been trying over and over weekly to resolve the matter. Unable to get my XXXX account unlocked and klarna will have me on hold for hours on end only to get on the phone and tell me i will recieve a communication within 10 days. When i finally get some kinda of real response its a very generic response and i still dont have my money back this is near 90 days of this issues and my funds being held hostage by Klarna . I reached out to the ceo of Klarna XXXX XXXX today via email however if feel this is unfair to me as a consumer and i would like to make a complaint as while shopping with Klarna we are in a lease contract and expected to uphold our end of the agreement however Klarna is not being held accountable to the same standard gift card order was XXXX the order number is XXXX
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

Dovenmuehl Mortgage has been entirely negligent on my escrow account. 

I got a notice in XXXX from my COUNTY that my taxes hadn't been paid. I emailed and faxed Dovenmuehl copies of the notices in XXXX, XXXX and again in XXXX of XXXX because it still wasn't resolved. Dovenmuehle never responeded to my emails or faxes other than auto-replies to my email ( " we've received your email '' ) and I have fax confirmations. I assume it's been fixed by now ... .but, who knows. 

Then, I got a notice this month ( XXXX, XXXX ) that Dovenmuehl also failed to pay my CITY taxes. The notice from my city included a threatening letter of placing a lien on my property. I called Dovenmuehl today ( XX/XX/XXXX ) to check the status. While on the phone, the rep from Dovenmuehl acknowledged that they, too, had received notice from my CITY that the taxes were unpaid. She further said that she didn't know why ( a ) they didn't pay them in the first place or ( b ) why they hadn't taken action upon getting the UNPAID notice. It's unbelievable. Then, she said it would be 10-days to process the payment which I told her was unacceptable. She claims that she's expidited it for a 3-day turnaround. 

I have no faith whatsoever in this company. I had to call them in XXXX, XXXX, XXXX, XXXX and XXXX to follow up with them on their errors on my taxes. 

During these months, they also held one of my payments in suspense claiming that they had my escrow amount wrong. I was NEVER notified of a needed payment adjustment. And, they did not make a partial payment with the check I sent. I only caught the payment being not processsed when I went to reconcile my account at month end. I had to sent a new payment. I never received an invoice or notice from the company that my payment had changed OR that my payment wasn't able to be processed. 

It is SO STRESSFUL to worry about my house payment and taxes being made each month. My credit score is excellent ( XXXX ). I am NEVER late on payments. But, I can't control what this incompetent mortgage company does. 

TERRIBLE TERRIBLE TERRIBLE experience.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

HSBC after foreclosing a loan in XXXX and sold the property for more than the mortgage amount, they recently updated my XXXX credit report and placed a new foreclosure for XXXX in my credit report to destroy my credit for the second time.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: STATE EMPLOYEES CREDIT UNION (NC)

SECU refuses to properly report my mortgage account to the credit bureaus - although it is paid every single month, and has NEVER been late. Doing this has caused me to be denied credit - companies indicate that due to my not having real property/real estate on my credit file they can not extend me credit. However, I pay {$1500.00} monthly to SECU - and get zero recognition of that fact. 

I have attached our most recent mortgage statement that does show that I am actually the primary on the account. 

SECU claims that since I filed XXXX XXXX bankruptcy during the pandemic that they can refuse to report my paid as agreed mortgage - I do not see how this should be allowed.
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection (NY)

I have file numerous compliant about this company trying to collect a debt that not owned to them or XXXX.I had cancel XXXX back in XX/XX/2012 the by fill out there form and submit by email and fax.I later received a letter from perfection collection claiming that they brought the debt from vivint and I now own them. I ask them to show proof that I own them the debt.They send me a bill from XXXX. I explain to perfection collection if you have a signor document showing that I agree to pay you for service I don't owe you anything.they then report it on my credit report.I have send numerous letter to the bureaus and perfection collection to have this removed.
Consumer complaint received 2023-09-12
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)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-06-26
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (SC)

Transworld Systems , Inc. is reporting on XXXX that my debt has not been paid to XXXX. I have a receipt that says that as of XX/XX/2013 that I had a {$0.00} balance on my account
Consumer complaint received 2017-06-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

I became XXXX on XX/XX/XXXX, and lost my job due to said XXXX in XX/XX/XXXX. I contacted Navient about my private student loan ( or Signature Student Loan, as it is referred to on my account ). They told me I have no more forbearance and it would go to collections. They will offer me no lower payment. Since that time, I have been receiving 8 collection calls/day. When I called Navient, they said that they know how many times a day they can call, and that number is 8. They said they have their own internal collections. They do call between the specified times, but eight times per day. They said they are not harassing me, but trying to collect on a debt. Although I have been paying on this debt since XX/XX/XXXX, the principal alone is above the principal amount of the original loan. The original principal amount was {$29000.00}, and the payoff amount today is {$29000.00}. This has caused me to look at the history of my payments. I see that I was charged a {$920.00} " repayment fee '' at the inception of the loan. I have no idea what that is, or if it is legit. Additionally, I do n't see a total of how much I have actually paid already on the payment history. It sure seems like they would end up receiving a lot more than the principal amount than a person should have to pay. Especially for a student loan. <P/>They said they will send me paperwork to complete, and if they find that I am permanently XXXX, the loan can be forgiven. The calls will stop for seven days. I asked once before for them to stop calling me because I am XXXX and have no job, and they told me I have to request that every 7 days, or the calls will continue.
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

On XX/XX/2018 I received an email from XXXX XXXX notifying me that my loan payment was past due : " This is a reminder that your student loan payment with XXXX XXXXXXXX XXXX XXXX was due on XX/XX/2018 in the amount of XXXX plus any applicable fees payable to XXXX XXXX XXXX   XXXX. If you have already made this payment, please disregard this notice. '' Up to this point, my loan was serviced by XXXX on behalf of XXXXXXXX XXXX, with which I had automatic payments set up to quarterly draw the payment from my checking account. I was not notified by XXXX XXXX XXXX nor XXXX XXXX about this transfer of providers until this email referenced above on XX/XX/2018 ( 6 days after the due date of XX/XX/XXXX. 

After initially assuming this email was scam, since I was never notified of any change to my loan provider, this month I attempted to call Heartland to make the payment. The day I tried accessing their website, it was not working. I called and spoke to " XXXX '', who told me that their " internal systems '' were down, and to call back today ( XX/XX/2018 ) to make the payment.

I accessed their website today, and learned that Heartland charges a 3.95 % fee for all one time payments, plus a {$1.00} service charge. Which is fine - I'm planning to make recurring payments anyway. However, the website prevents me from scheduling recurring payments on the " past due '' amount from XXXX - effectively forcing me to ay penalties on the amount, while I was never even notified before the XX/XX/XXXX payment was due. I've had multiple conversations with their customer service " advocates '' - most recently with " XXXX '' who told me that they can't waive the one-time payment fee on the website, and that I have to make a one time payment, being charged a fee for simply paying them. 

This seems fraudulent, and blatantly set up to entrap student loan holders in fees for servicing their loans. The company has not provided me with any information. Alternatively, I've been told that if I provide my bank checking account routing and account numbers over the phone, and then I won't be charged a fee -- who in their right mind would give out their bank account numbers over the phone to a complete stranger? These practices are questionable at best, and fraudulent at worst.
Consumer complaint received 2017-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Utah System of Higher Education (VA)

I am a XXXX XXXX at the XXXX XXXX XXXX XXXX  ( XXXX ). I have a Direct Consolidation Loan that is serviced by XXXX XXXX XXXX XXXX. My employer, the XXXX, has a student loan repayment program ( SLRP ). As part of the annual application process for its SLRP, the XXXX gives me a loan data verification form that I am required to forward to XXXX, so that XXXX can confirm certain details about my student loan. This XXXX form, together with the XXXX XXXX cover letter, asks XXXX to return the completed forms directly to the XXXX, either by mail, email, or fax. I submitted this XXXX form to XXXX  on XX/XX/XXXX, using their " File Upload '' feature on my account portal. Three weeks later, XXXX still has not supplied this information to the XXXX. I have contacted XXXX  multiple times, both by email and over the phone, and they keep telling me that it can take them 30 business days or longer to process such a request. I do not believe it is acceptable for XXXX to take so long to process such a simple request for information. In fact, last year, in XX/XX/XXXX, XXXX faxed the completed form to the XXXX the very next day after I submitted the request to XXXX. They are now either incapable of providing a minimum level of customer service to the borrowers whose loans they service, or they are deliberately trying to impede my ability to accelerate repayment of my loan through the XXXX XXXX SLRP.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-26
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: Santander Consumer USA Holdings Inc. (PA)

On XX/XX/2021 I sent a certified letter ( XXXX ) to Santander Consumer for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with Santander where the practiced predatory loan practices in the State of PA. Santander agreed to remove all loans from consumer credit reports.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC (IL)

Opportunity Financial , LLC has failed to accurately report my account for several years and it continues to cause me financial damages. XXXX XXXX agreed to report the account " Paid in full '' and did not honor that. The account is reflecting negatively on my report and showing a comment " SETTLED-LESS THAN FULL BLNC ; CLOSED '' Please see the actual snippet from the email below : On Fri, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX XXXX, I'm glad you were able to make payment arrangements to pay off your loan in full. If all payments are booked as agreed on ; there is no further action required on your part. Our credit team will automatically report loan paid in full to credit bureau after your final payment. Should you default on any payment as agreed, we are required by law to report all delinquencies. I hope this clears your concern. 

XXXX
Consumer complaint received 2022-10-24
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. (TX)

To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

One Main Financial in XXXX, IL is not abiding by the Predatory Prevention Act and are still charging 55 % interest on a title loan. The interest is more than what goes to principal. I have tried talking with them and they would not lower the rates. On a {$300.00} payment, {$130.00} is principal and {$160.00} is interest. My fixed income is making it difficult to make the payment.
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Four Directions Lending LLC (MO)

On XX/XX/ I agreed to a loan for {$900.00}. When I go back to look at the loan I noticed now the loan is saying multiple advance for {$1800.00}. I only received {$900.00}. The loan also states its from XXXX to XXXX. Intetest rate of 777.82 %. The finance charge is {$6000.00} the total if paid the length of loan is {$6900.00} and that's paying XXXX weekly until loan is paid.
Consumer complaint received 2022-04-11
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Consumer complaint received 2021-05-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC. (TX)

Halsted Financial Services falsely took out money out my account without me agreeing to it. I was suppose to pay XXXX to these people every two weeks was never told about a XXXX processing fee so they took it upon themselves to take XXXX out of my account and XXXX. I am not paying these people more than I agreed to. Then they send receipts saying they took out XXXX and not the real amount they took out. I am reporting them to my bank for fraud.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.