davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Asked to explain why the number of employer credits dropped. My count was XXXX and I kept arguing with Mohela about two months that were not counted. They stated my W-2 that was issued from Florida was not sufficient. I went to my Senator XXXX XXXX 's office for assistance. This was processed and my payment count went up to XXXX. I also submitted my current employer certification to get credit for XX/XX/XXXX to XX/XX/XXXX and Mohela representatives said that paperwork was processed but the payment count stayed at XXXX. No one at Mohela can explain to me how my payment count stayed at XXXX when its supposed to be XXXX. I feel like I'm being jerked around and they keep moving the goal post with no explanation. I also noticed that I am a class member of Sweet vs. Cardona and I have yet to see any forgiveness are relevant loans. I was on the phone for over 3 1/2 hours trying to talk to someone. I filed a complaint with Department of Education and received no response.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (GA)

A credit card was opened at CHIMEFIN/XXXX XXXX without my knowledge on XX/XX/year>. I can see it reported on my XXXX credit report. I don't know what is the amount on the card but it says " High Credit : {$1500.00} '' on my credit report. I have never in my life applied for a credit card with this company.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

First Citizens Bank Opened checking and savings accounts on XX/XX/2018 online. Not at a branch office. 
Issue : Regulation D charges to a savings account XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$90.00} XX/XX/XXXX - {$670.00} On XX/XX/XXXX I went and talked with a Service Rep at the First Citizens XXXX NC branch. I told her what had happened and she looked up my account to verify the charges. She then informed me that I was using my savings account improperly and suggested opening a second checking account to do the same thing with it that I was using my savings account for. She said she would look into the charges and see if she could do anything about reversing some of them. She called me on XX/XX/XXXX and said that there was nothing she could do because the account was created online and not at her branch. So she gave me a # XXXX to call online customer service. 
XX/XX/XXXX I called the online customer service and talked with a rep. They said the fees were required by the government and they could not refund them but did say they would give me {$100.00} back as a goodwill gift. 
I never received any calls or emails telling me of the fees they imposed or that I was using the savings account incorrectly. I do not deny that I was transferring multiple transactions out of my savings account. I was doing this to budget my payments from my paycheck which I had direct deposited into my savings account. There was never a large amount in the savings account, I probably never had over {$2000.00}. If I did it was just for a few days after my check was deposited until I moved the money to my checking account or a payment was drafted. I was just trying to budget bill payments from my paycheck for my house, car, student loan, utilities and other monthly payments. I did not realize that I could not use my savings account in this way. I probably did received the fine print regulations for checking and savings accounts and the restrictions on savings accounts may have been listed there. But it was never made a point of concern and I was never notified after any of the fees were debited from my account. 
I would like to see if I can get all of these fees returned. 
I did look up some information on the Regulation D and it states that Regulation D requires a depository institution to comply in one of two ways : either ( 1 ) prevent transactions in excess of the limit or ( 2 ) adopt procedures to monitor excess  transfers on an ex post basis and contact a customer who exceeds the limits more than occasionally. 
I never received any notification from First Citizens letting me know I was violating these Regulation D guidelines.
Consumer complaint received 2019-09-11
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. (MD)

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( Experian and XXXX  ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX.

XXXX did remove it.
Consumer complaint received 2023-06-24
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: General Motors Financial Company, Inc. (IL)

In accordance with the fair credit reporting act GM Financial account XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency a account without written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore has assumed the loan. We were not aware of who had our loan. Our loan has been passed around. Our loan has gone from XXXX to XXXX and now Rushmore. We have received no statements from Rushmore or information. I had to contact them on XX/XX/2019 for info and sent in a "

Will '' and " Death Certificate. This is whole situation is absurd.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called XXXX  and XXXX and haven't received nothing in the mail. Only TransUnion. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.
Consumer complaint received 2022-08-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

I submitted a debt disclosure statement to PennyMac in reference to validate a loan. They responded back with not validating the debt per the Truth in Lending Act at 1-5 U.S.C. 1601-1667f and 15 USC 1692 et seq.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

On XX/XX/XXXX I received email alerts from XXXX, XXXX & XXXX that Fair Collection & Outsourcing was reporting a " Collection '' debt in the amount of {$8100.00} from a creditor name ( XXXX XXXX ) opened XX/XX/XXXX. 

I recently visited the XXXX XXXX XXXX XXXX ( Management Company for XXXX XXXX ), as I have never heard of this company or done any business with them. The Property Manager ( XXXX XXXX ) have stated they have no records of me leasing with them in XX/XX/2019, or me owing a balance with them. I have also visited the same day the XXXX County court house in XXXX, MD to see if I have a public judgement of any kind ( which would have been reported on my credit report by XXXX XXXX if I owe them ) but there is no judgement.
Consumer complaint received 2018-08-29
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)

My credit report shows XXXX accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " XXXX XXXX XXXX ( Closed ), '' which was opened XX/XX/XXXX. I disputed these accounts with all three major credit reporting agencies but either didn't receive a response or was told to take my dispute elsewhere.
Consumer complaint received 2023-03-09
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. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} XXXX XXXX, XXXX
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (OH)

I disputed a error on my credit file from Army/Air force exchange around XX/XX/XXXX it is showing a late payment for XXXX $ on XX/XX/XXXX. I never received a invoice this month for and i feel like the error should be corrected. I've never been late before with this company.
Consumer complaint received 2023-03-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-09-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

We held a credit card account with XXXX XXXX XXXX ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX  sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.
Consumer complaint received 2019-09-11
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PLANET HOME LENDING, LLC (TX)

Planet Home Lending have late payments on my credit report even though I paid in full plus the fee I want them to remove late payments from my Credit Report thanks I called them in advance and explain my situation they told that would accept double payments plus the fee, I have not miss a payment since then, 2017 is not a late payment is incorrect I always pay them on the XX/XX/XXXX of every month from my XXXX XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hollis Cobb Associates (GA)

I sent the debt collection agency " Patient Accounts Bureau '' a certified letter with return receipt in which I requested that they contact me in writing through USPS mail and that they no longer contact me by phone in addition I asked that they validate the debt in which they say that I owe. The company received this correspondence on XX/XX/19 and since then have continued to call me nearly everyday since then. I have spoken with attorneys who have advised me that this is a violation of the FCRA guidelines and this behavior is harassment.

This company is called Patient Accounts Bureau, however they appear to be owned by another company known as Hollis Cobb Associates. In addition the company has multiple addresses, 2 of which are correct and a third which appears to be bogus as evidenced by the returned letter I received when trying to contact them via USPS mail. I have attached proof of all of these facts below, including the returned envelope of the third address and a screenshot of the companies online XXXX XXXX profile listing this address.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/19 a check for {$410.00} cleared my Wells Fargo Checking account leaving an available balance of {$19.00}. A deposit of {$20.00} was made into the account on XX/XX/19. Over the weekend automatic debits and purchases with a debit card came in for XXXX {$7.00}, {$9.00}, {$12.00}, {$3.00}, clearing the bank on XX/XX/19. None of the payments were declined, and despite showing a positive balance when the check cleared, Wells Fargo assessed a {$35.00} Overdraft Charge applied on XXXX-19. I had previously disabled overdraft protection on debit card purchases when the CPFB came into existence. Wells Fargo was supposed to decline to pay the transactions at the terminal at the time of purchase. 

When I called to complain the WF Employee tried to explain to me that the debit transactions happened in such a way that they caused the overdraft fee. I insisted that I had opted out of overdraft protection on Debit Charges and the statement clearly showed there was a positive balance after the check cleared. The agent continued to argue and interrupt me. He denied that Debit Card transactions on opt out accounts were legally exempt from Overdraft Fees. I reminded them of all the fraudulent activity WF was in the news for again, and that now they were stealing from me. He agreed to waive half of the fee and stated that was all the system would allow him to do. I told him that was unacceptable for them to steal any money from me under the guise of Overdraft Charges for a check that did not bounce. He told me I would have to talk to someone higher up and I insisted he transfer me immediately. 

The next person came on the phone and the situation repeated itself, only this time he offered me an additional 15 % discount on the charges and that was all the system would allow him to do. I told him I do not care about any of your systems, this is not a negotiation I will report this to CFPB. I am not negotiating the amount of money I will allow Wells Fargo to steal from my account. He then refunded the entire {$35.00} fee immediately and I ended the call promptly.
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (WV)

Received Email we were included in the the Santander XXXX. When settled spoke to the settlement company vehicle was Charged off and was told would have title within 30-90 days. hadnt received any other information contacted santander and they are now back peddling wanting me to pay almost XXXX in order to get the title mind you the vehicle has been charged off after over a year now with no attempt for them to pick up or repo the vehicle, now that I contacted them about title, they are saying they didnt include us in the settlement and want to get the vehicle now { we qualified all over the board to be included and were ). mind you we had received the lawsuit emali, talked to the settlement team over the phone. now all of a sudden we arent. SantanderXXXX is doing everything they can to people that were included and now arent ive seen this numerous times now with not just us but others have posted on the internet
Consumer complaint received 2019-09-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX my husband, XXXX XXXX XXXX, passed away in an accident and we had insurance on our vehicle, a XXXX XXXX XXXX. The insurance company, XXXX XXXX XXXX, paid the full balance of the loan directly to Ally Financial in XX/XX/2019. Ally confirmed the loan was paid in full via phone call on XX/XX/19. They advised during the call the loan would be removed from my credit report within 60 days showing paid in full. In XX/XX/XXXX, my cousin emailed them because the loan was still on my credit. I received no response she. Then, again on XX/XX/XXXX my cousin emailed them and still no response. I went to apply for a home mortgage and they informed me the Ally auto loan still shows on my credit as open now almost 6 months later. When I attempt to call Ally deceased accounts, I am hold for over 1 hour without anyone picking up ( XX/XX/XXXX ). I just want them to properly report my account so I can properly handle the passing of my husband. I hope this message can help me get this corrected. The XXXX  insurance company was great and the information on their claim is XXXX. The Ally account that should be showing as paid in full is XXXX. The emails are available, please let me know if you need them Thank you
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Consumer complaint received 2019-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly