davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
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: MARINER FINANCE, LLC (KY)

I opened a loan with Personal Finance in XXXX Kentucky. It was not my first time borrowing money from this company and had a positive experience and on time repayment record with the lender. Shortly after I took out my second load with Personal Finance in XX/XX/2017, they were purchased by Mariner Finance, in XXXX or XXXX of the same year. Mariner Finance closed the office where I made my payments. They made no attempt to communicate with me the new payment location or how I was supposed to make payment to now a completely new loan. When a new loan officer called me, I was late on the loan, for that one month only. I paid the loan up immediately and ultimately paid off the loan early to avoid any other issues with the new lender. I have tried to resolve this issue with the lender several times. I did not change where I made my payments, I did not change my loan details, I did not close the office with no forwarding number.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Consumer Finance team, Few weeks ago I have tried to make two payments on my credit card issued by Bank of America : Both payments from XXXX accounts ( one checking and one from a brokerage account ). 
Little that I knew that it is not allowed to pay from brokerage account, Bank of America ended up stopping one of my payments ( coming from brokerage account ) ; however, they suspended my ability to rectify old payments or to make new payments. 
After calling them and spending hours, they mentioned that it will take 3-5 business days to rectify this service ( hence blocking my ability to make any payments into my card, luckily I didn't have any payment due ) and they charged me a XXXX $ fee for this error. 
I have contacted them and asked them to reverse fee, because it is pure consumer exploitation ( other banks they notify you that payment wasn't processed but never block or charge you fees for that ). 
They never cooperated with my case. I believe : 1- Blocking your ability to make payments for 5 days is exaggerated 2-XXXX $ fees for not having a payment processed is horrendous Thank you for your attention. 
Best, XXXX
Consumer complaint received 2019-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IA)

nAVIENT HAS MIS-ALLOCATED MY PAYMENTS. I HAVE PAID THEM OVER {$6000.00} ON A {$4900.00} PRIVATE STUDENT LOAN ISSUED IN XX/XX/2009. HARDLY NONE OF THE PRINCIPLE DOLLAR AMOUNTS HAVE BEEN PAID ON. ADDITIONALLY, WHEN I HAD TIMES OF ECONOMIC HARDSHIP DUE TO JOBLOSS NAVIENT DID NOT PROVIDE INCOME DRIVEN LOWERED MONTHLY PAYMENTS. THEY STEERED ME INTO PROGRAMS WHICH WAS ONLY TO BENEFIT NAVIENT.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I am enrolled in the public service student loan forgiveness program. I enrolled in the program in XXXX. I have been in an income based repayment plan the entire time, re-certified my income every year, and I have always been on direct debit for the payments. My loan was transferred to XXXX, who two years ago told me that my payments have not qualified toward student loan forgiveness. They can't tell me why. I advised them that this is impossible due to having been on the proper type of loan on direct debit with annual re-certification, and they have been " reviewing '' this for almost TWO YEARS. ( XXXX of XXXX will mark two years they're " looking into it. '' ) I even sent them proof of all the payments prior to the loan being transferred to them. They are not doing anything and lying to me that my payments haven't qualified. I need them to certify that my payments have in fact qualified and that I am on target for the loan forgiveness in XX/XX/XXXX. I have attached proof of payment of my loans dating back to XX/XX/XXXX that I submitted two years ago to prove that my payments have always qualified.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

To whom it may concern : There is someone stealing from my bank accounts at Wells Fargo, XXXX XXXX, and the XXXX XXXX XXXX XXXX. They are using XXXX XXXX, XXXX XXXX and other sources to transfer money. I do not know how they retrieved my personal information. Maybe, they stole mail from my street. I receive weird letters with different addresses and names. 

I am very saddened that this is happening. I am older, vision impaired, and in pain daily. I can not go to the bank every time that there is a problem or money is stolen. This account belongs to me, however, my daughter is a beneficiary on several accounts. My daughter has been on taxes, since XXXX, we were involved in accidents in the XXXX 's and she ( XXXX XXXX ) assists me daily with care. We have accumulated a lot of wealth. 

The police have also been recently harassing us. They were harassing my daughter for no reason and they have destroyed her property, worsening our health. My daughter is severely depressed. They ruined her vehicle to the point she has to associate with dangerous people while travelling. The police might be stealing personal information to ruin me and my daughter 's life. I do not speak to any other people in regards to my checking or savings account except my daughter XXXX XXXX. The people who are hacking my account are strange people who I have no affiliation with. I am very anxious and nervous since these problems continue to occur. 

My daughter has several complaints here also. Please send me correspondence of this complaint. Someone else also has hacked my telephone number as well as my daughter 's trying to steal money from our accounts. I never talk to this people. Telemarketers and scammers might make calls occasionally. Please help me with this matter. The police might have also caused some of these problems and there is even a stolen check that was in my daughter 's vehicle that, XXXX XXXX, my daughter 's previous finance company has stolen. 

Basically, someone is hacking my phone numbers, debit cards, bank accounts and other information to steal money online through different banks. 
Please email my daughter with correspondence about this case. Note : hackers are hacking me and my daughters phone numbers. They are using identity fraud. Who has are numbers? 
My name is XXXX XXXX Daughter 's name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (UT)

So, my wife and I have had our credit pulled to get pre-approved for a new home. Was informed there was some medical collections that needed ot be paid before we do that. I called and tried to negotiate they ( I.C systems ) told me it was in collections for too long and we had to pay in full amount and would not settle. This was XX/XX/2022 I paid in full to all three acounts .... 
After I paid, I started working with a credit repair gentleman and he asked if I had already paid the accounts on there, I said yes and he said well you shouldn't have because it was reported fraudulent and should have never been put back on your credit .... Said it is fraud because they lied to you saying you owed when it was too old to be collected. I was speaking to a lady from I.C. Systems. Which last year, with my entire tax return, I paid off more medical debt in collections and it is still reporting on there... After they told me it would only take 30-45 days to get off my credit. And still reporting on there and hurting mine and my wife 's credit still to this day.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (KY)

At the end of the lease, we refinance the loan away from Honda financial. We no longer had credit with them. When taxes came due on the vehicle, the city of XXXX sent Honda financial a bill. This bill should have came to us. Honda paid the bill. They then started posting late credit payments on our credit reports for late payment to a loan that was closed. We attempted to resolve this with Honda financial. We reimbursed them the money they paid the city of XXXX and told them that we did not ask them to do that for us and did not agree to any credit terms for those payments. They are refusing to remove those late payments on our reports. Currently myself and my the co-owner of the Honda Pilot are showing a 30 and a 60 day late for XX/XX/XXXX and XX/XX/XXXX. we did not have a loan or credit agreement with Honda Financial at this time.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I had signed up for Experian in XXXX and was being charged {$5.00} a month. I checked by account recently and over the last two months, I had been automatically upgrade to an Experian IdentityWorks Plus account without being notified before. My bank account was subsequently charged roughly {$20.00} per month. 

I have never signed up for Experian IdentityWorks Plus and never knew about it. On my " My Membership '' page on the Experian website, it still shows my price as $ XXXX/month. When I spoke to call center representative, they said that my Experian page was probably not updated ( meaning that there is a discrepancy between what I'm being told and what I've paid over the last two months ). Furthermore, I have been a member since XXXX, paying {$5.00} per month, but she said I had a promotional offer that ended in XX/XX/XXXX. However, on my account, it says I had a promotional offer for {$5.00} off for 3 months only. So, there is also another discrepancy there. 

In short, they have automatically signed me up for a more expensive service without notifying me. They only refunded my one month of the Experian IdentityWorks Plus though they charged me for two and said they could not refund the other month.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (TN)

Innovis failed to do make a good faith effort to correct my consumer report. I submitted a dispute on XX/XX/2019 concerning an inaccurate reporting of an account. I explained that this information had been updated on 2 of the 3 major credit bureaus and I was working with the 3rd. I also explained additional steps that I had taken to get this information corrected. They sent me a report 2 days later stating the information had been verified. Not only did they not do a proper investigation and failed to take the new information into account, they sent the report back with correct information being changed to incorrect specifically the last payment amount that changed by {$13000.00} This is clearly a failure on their part and an example corporate irresponsibility .After reaching out to them they continued and failed to comply and correct my report. This company has failed in its corporate responsibility and failed to operate under FCRA They clearly do not care that the information is wrong. Additional complaints with regulatory authority may/will be notified if this is not corrected immediately.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (MN)

I was researching mortgage rates and was on XXXX   XXXX 's website. In order to view their info you have to register. No sooner did I click the button and my phone instantly started ringing. In the 18 hrs since then I have received one dozen calls, 1 text and 3-4 emails from various companies. Nowhere in their literature did it explain that by clicking their website registration, that I would be placed into a broad distribution scheme and would start receiving sales calls. XXXX XXXX   needs to stop and ask for permission to pass your information on and it needs to be a limited number of people.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I requested my free annual credit report on XXXX and only received the XXXX report. For Equifax and XXXX I only got vague messages that the report could not be retrieved. I tried to find help on the Equifax and XXXX sites but anything regarding credit reports directs you to a pay page. I can see no reason why these can not be provided and feel that this is fraud and the companies are unhappy providing this free reports so they send you just a vague message that you can't get it. Last year this happened from me with just Equifax, this year XXXX apparently is having " unexpected issues '' too.
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a XXXX XXXX. I then received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I never gave Transunion prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXXm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I had the electronic bill pay department at XXXX XXXXXXXX XXXX transfer 2 amounts to payoff the amount due in full on a XXXX 'XXXX XXXX  XXXX issued by Comenity Capital Bank. These two checks, in the amounts of {$1400.00} and {$81.00} cleared the banks on XX/XX/XXXX. The payment due date was XX/XX/XXXX. Comenity Capital Bank has not credited my account to date for these amounts even though, XXXX XXXX has provided them with proof of payment made and received and I've provided them with copies of the statements showing the amounts debited from my checking accounts. 

XXXX XXXX also arbitrarily changed or altered my account number for the two months when the company claims to have lost or never received my payment. 

I have, on a weekly basis tried to resolve this matter since XX/XX/XXXX. Additionally, I've been on XXXX conference calls between XXXX XXXXXXXX XXXX  and Comenity Capital Bank to try and correct this accounting error but to date, Comenity Capital Bank who has received proof of payment in writing from XXXX XXXX refuses to credit my credit card account for the total amount paid of {$1400.00}. This, is resulting in interest charges being applied to my account by Comenity Capital Bank. Comenity Capital Bank is making no effort to communicate or to resolve this error in accounting on their side.
Consumer complaint received 2021-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

I set up automatic payment on my account and to my surprised I was marked late several times after calling in to speak with someone to correct payment error and fix the problem the company wouldnt correct the wrong reporting.Im upset and wished I never use this bank for finance on my loan
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, 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. (KY)

Unrecognized Inquiries XXXX XXXX XX/XX/19 On XXXX and Equifax and XXXX XXXX XX/XX/19 On XXXX and Equifax and XXXX XXXX XXXX XXXX XX/XX/19 on all 3 bureaus
Consumer complaint received 2023-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (NJ)

In 2019, I refinanced to reduce my interest rate. I was matched with UWM ( United Wholesale Mortgage ). Within the first 2 months, i tried to setup by monthly payments to try to pay off the mortgage quicker. I was told that i need to make 2 months payments in order to begin the by monthly payments. After i made 2 months payments, i was told the money was applied towards the principle. I was told to make another 2 months of payments. After 2 weeks i called and was told the exact same thing. Within 2 months, i made 6 months worth of payments. Then COVID hit. I lost my Dad and then i lost my job. Because i had made 6 months worth of mortgage payments ( over {$25000.00} ) within 2 months, i had depleted my savings and was not able to make my mortgage payments. i applied for forbearance and was given. I am currently applying for the XXXX XXXXXXXX. The state is requesting information from the mortgage company and they are refusing to send the information. This has delayed my application for over 3 months and will cause me to lose my home to foreclosure. I also found out that the mortgage company that i thought owned my loan UWM is not the owner of my mortgage. The mortgage is owned by XXXX which owns UWM.
Consumer complaint received 2017-01-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (NV)

I am XXXX years old with no money for retirement and my student loan of XXXX is causing me undue financial hardship. My health conditions are making so that I can not longer work extra hours ( XXXX ) to pay for these loans. I have a XXXX in Information and an XXXX that has not paid off and I am in the same job that I was doing prior to taking out this loans so this education has not paid off for me. I also am a single parent supporting a XXXX student that can not match for a XXXX due to the limited XXXX in this country ( XXXX applications for XXXX positions ). I need a lawyer that will discharge this burden so that I can save some money for retirement or I will be living in the streets for sure. I need some help please. I 'm so depressed.I have gone to several attorneys and financial advisers and they can not help me.I need a lawyer that can help me please. Please email me at XXXXXXXXXXXX or call XXXX.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NV)

In XXXX of 2021 I opened an account with Coinbase, aka XXXX under an abbreviated portion of my legal middle name & full legal name. On XXXX XXXX2021, my computer was hacked & I subsequently called Coinbase & disabled my account. Now ; I can't access my account, because Coinbase will not verify my ID on my drivers license, which shows my legal name & webcam photo of myself, because the account name is an abbreviation of my legal name. I have filed numerous complaints with, only to have them dismissed. NONE of the support options offered included my situation & Coinbase does not offer live support.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TX)

I opened BMO harris - relationship checking account with promotion. If one has a direct deposit of {$7500.00} or more in first 90 days - they will get cash back bonus. 
Account opening - online process is broken so it got opened via phone. Promo code was applied. 
When i inquired - why i haven't got my {$500.00} cash back bonus there is no response.