davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, my FICO score went down from XXXX  to XXXX. I immediately log in to the 3 Credit Bureaus website to check what happened on my credit score ; I ended up submitting online disputes. I wasn't able to provide and attach any file supporting my claim because I don't have any documents at that time. There was no phone call, email, nor a final statement of account about this collection claim of {$86.00} that was reported by XXXX XXXX XXXX. The credit bureaus investigation results say that the claim is valid but didn't provide any reason. I decided to call XXXX XXXX the credit collection agency in Texas that reported this claim to the credit bureaus. I asked what was the {$86.00} collection claim on my credit report that they also failed to notify me ; there's was no statement of account for me to verify. In the end, they ask for a dispute letter for them to investigate on this case. On XX/XX/XXXX I sent a dispute letter to XXXX XXXX. On XX/XX/XXXX, I received a collection bill from XXXX XXXX XXXX. The very first bill I got regarding this claim, but then again, I don't know the details of how I ended up having a credit of {$86.00}. On XX/XX/XXXX, I sent the dispute letter they asked to dispute the validity of the debt that they are claiming. In reply to my dispute letter, onXX/XX/XXXXXXXX  sent me a copy of all the documents they have on my account. For the first time, I finally see the final account statement billed by XXXX XXXX XXXX. I can finally explain myself and again dispute those charges, those charges on my account are not valid. On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX XXXX to explain what really happened and that their claim is not valid. I asked them to remove the collection claim that they reported to the credit bureaus. With all these steps of explaining and sending the dispute letters nothing solved my problem. I still have a collection report on my credit history and my credit score is still low. As my last resolve, I am filling this complaint and I will attach copies of those disputes letters and other supporting documents.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi, I have been unable to log into my checking account with Capital One on desktop or mobile without having to reset password daily. 
I have have been stuck in a loop of some sort since XX/XX/XXXX with constantly getting the run around from several representatives, managers and the IT department. 
The IT department advised to keep changing password until one sticks. ( What does that even mean ) Managers tried to help, but when they say they will escalate to IT, I never get a call back. 
*Attached is a letter that I wrote to Capital One back in XXXX of XXXX. No response from Capital One* I can log one day with changing password, but then the very next day, I am prompted to change password and I'm in this loop cycle where the system would continuously ask me to do this with no hopes of actually getting into my accounts. 

This is frustrating to me because I have a car that is financed through Capital One, credit card and my checking account. 
This is a huge problem because when I am late making payments, they are really quick with adding fees but not with assisting me with helps to log in to account. 
I had to pull my money out of Capital One checking and go back to XXXX XXXX. I am extremely unhappy about this. Please help. Thanks
Consumer complaint received 2021-02-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I had called this company when I noticed that my loan balance never changed and also that my credit report each month was reporting my payments. They stated they where reporting my information to the credit reporting agency each month. So I called them and I also pulled my report from each agency and it was not showing no update. I had to file a dispute to get my credit report updated. Now my report is back to how it was again where they have not reported payments and my balances and not changing since I last had made a dispute. I called them and they said they would look into it and get back with me. They never got back with me. I pay them every month on time and I should not have to ask them to report my updated balance and payments monthly. They should do this without being told to do so.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

This is in continuation of complaints XXXX and XXXX. 
I have asked a simple question that what was the breakdown of {$6800.00} which they showed as adjustments and credits in the estimate ( attached ). There has to be some math behind it but they never explained it. 
They did brainstorming for almost 2 months and explained the tax credit of ~ XXXX and that was the actual amount when I applied for the loan but they never gave the explanation of the remaining ~ XXXX. 
I have been asking the same question from past 45-50 days and they never gave me the answer. Everytime they come up with that I signed the documents, well that's because you gave me no option. You disclosed the final numbers 3 days prior to the close and then no one from your company talked to me to explain anything and I didn't want to loose the property and that's why I signed. 
And don't take credit of the additional {$3000.00} which was not there in the final closing as that was because I didn't opt for some of the title services so you guys have nothing to do with it. 
All I want is the breakdown of that adjustment and credits amount which you gave me in the initial estimate, that's it.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed the said account multiple times with Experian. I have asked for proof of accuracy which I have yet to receive. Last correspondence I sent is attached below... 


I am writing to dispute the following information in my credit file : This item is inaccurate because Reported payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  But also reported last payment received XX/XX/XXXX on an account company reported as closed as of XXXX XXXX which is ALL INACCURATE DATES. As of XX/XX/XXXX, XXXX XX/XX/XXXX vehicle reported as XXXX. Then started reported in XXXX XXXX in XXXX after car had already been paid in full from collateral. Please investigate this matter and delete the disputed item as soon as possible. 



XXXX. Account Name/Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Problem with the Account : This account is inaccurate/ XXXX reported inaccurate. 

XXXX. Reasons for the Problem : Paid off / Payment summary / close date / payment reporting inaccurate / XXXX Outcome : I am requesting this item be removed from my credit report
Consumer complaint received 2023-02-10
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. (NJ)

XXXX XXXX XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$2600.00}. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 Account # XXXX
Consumer complaint received 2019-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

Hi, I was enrolled in XXXX XXXX College from XXXX to XXXX. Turns out that XXXX XXXX was one of the for-profit colleges. I'm being told a company that goes by XXXX that I can qualify for loan forgiveness and I want to know if this is something you can help me with. They're telling me because of the William Ford act that President Obama passed I qualify because of my income. They want me to pay them a fee are there services and they can have me pay the debt collection agency {$5.00} a month for 9 months and after that my balance will be zero dollars. Please get in contact with me if you know anything about this or there is any help that you can provide. Thank you
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I have been trying to get the amount of my income-based repayment plan payment corrected since XX/XX/2019. Last year my husband and I had our student loan payments more than double without any change in our income due to a mistake made by XXXX XXXX XXXX when we requested due date changes on our accounts. Because we could not afford the new payments I put my loans into a forbearance. 

I have applied for the REPAYE income-based repayment plan and this application has been " processing '' for nearly three months now. I make phone call after phone call and no one at XXXX XXXX XXXX seems to have any idea what is the problem. 

When I spoke to a representative from XXXX XXXX months ago I was told that my estimated loan payment will be around {$170.00} per month. It is currently at {$280.00} per month. I have inquired multiple times in order to verify my payment amount with XXXX XXXX and in over two months I have gotten no reply. 

My husband 's situation was corrected after filing a complaint, so I am doing the same so that my situation might also be corrected. 

This message has been showing up when I login to my online account : Income-Driven Repayment ( IDR ) Resubmitted We received your IDR request. 
At this point, we will notify you if your request is put on hold or if any additional documentation is needed. 
At this point, we will notify you of the outcome of your IDR request. 
We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment. 

I still have not received any correspondence/email from XXXX XXXX.
Consumer complaint received 2019-10-11
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: Specialized Loan Servicing Holdings LLC (TX)

Unbelievable! URGENT! 

Please refer to my previous case # XXXX. This case was resolved and correct by Specialized Loan Services on XX/XX/2019. I received a confirmation letter as proof ( attached ). 
The correct report was correct for about 1 month. Unfortunately as I am at the end of my Closing Process with my Mortgage Company, this error reappeared, yes WOW! 
I made an emergency call to Specialized Loan Service to let them know of the situation. I was connected to XXXX in the Escalation Department who was involved in the resolution of my previous case. She express her apologies and said the she would immediately sent an alert to XXXX that day to correct this before my closing date, XX/XX/2019. A correction of some sort was made by it was INCORRECT! I had to withdraw from the closing process because this error put me back at square one. 
At this point I am demanding that this error is PERMANENTLY FIXED IN THE SPECIALIZED LOAN SERVICE DATABASE and that I am reimburse the appraisal cost {$540.00} and the emotional stress this experienced has caused me.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I applied for a Synchrony XXXX credit card to purchase furniture and was approved for XXXX. After using the card I have made all my payments on time for the past year, even paying a little more than the minimum due to payoff before the promo ended. Right before the promo was expected to end the company decreased my available amount from XXXX to XXXX ( which is an old number ). So now I missed the promo date and all the interest was added to the account. Every month now the card is overdrawn due to interest. I even tried making a triple payment but that did not help. I am pretty sure now all of this negative activity is affecting my credit. Not sure why my available amount was decreased.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have disputed an error on my credit report and received the investigation results by email. File number XXXX, however I can not view the results of the investigation having an account already setup to view or make a dispute. I can not access online viewing. When clicking on the link to view the investigation results it states " we can't complete your requests at this time please call XXXX, not able to speak with a live agent. I have contacted Equifax in regard to this matter and was told it was an error and would be fixed, it still has not been fixed and there's a block on my online access. See picture photos.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (GA)

First, on XX/XX/XXXX, I contacted Wells Fargo using the toll free number provided in the billing sent via email to dispute the charges and to let them know that the old credit card I had ( XXXX XXXX was closed on my request with a XXXX balance. 
Secondly, I told the associate that I have not applied for nor have I received the credit card ; and, third and most importantly, I was not in the country when the card was sent and the charges were made. 

The associate from the Wells Fargo dispute center told me that someone from their office will contact me within seven days to let me know of the status of my dispute. Instead, the company sent me a letter stating that I have violated the card agreement and that I am responsible for the {$XXXX} charges, late fees and penalties. 

The outrageous claim that I violated the card agreement is that there were none to begin with since I have never applied for or received the card. 

The charges were made in early XXXX when I was actually working at the XXXX XXXX to the XXXX XXXX in XXXX XXXX, XXXX. I left for XXXX on XX/XX/XXXX and did not return to XXXX until XX/XX/XXXX. The charges were made at bars and cigar shops, places I never been in my life. 

Wells Fargo 's poor business practice has led to my credit scores plummeting from the high 700 to the mid 500s.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I have 0 % interest balance transfers and I made a purchase so I was being charged interest on that purchase. I paid my minimum payment plus more than the purchase but Wells Fargo applied the entire payment to my 0 % balances. The manager read me the formula that Wells Fargo uses. The manager said the reason the purchase balance wasn't paid off was because it was in the same billing cycle. My understanding of the Card Act is that there isn't an exception for that. Is there?
Consumer complaint received 2019-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

This is documents for bankruptcy for the car loan, That Credit Acceptance day I owe .The car loan its in XXXX.Calvin XXXX got approved for car loan not me he has it in bankruptcy as we seek. 
It need to be remove off my XXXX  credit not my debt. 
Remove it now.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (CO)

I am receiving multiple calls from this company on multiple occasions. I know they are allowed to call once a day and I have no problem with that except they never leave a voicemail.I have received a calls on many dates that I can provide call records for, these are the ones that stick out the most, XX/XX/2019 XXXX XXXX ( this one I answered and got no response on the other line ), XX/XX/2019 XXXX XXXX ( 3 separate calls at this time ). I called and asked why they were calling so much and was told, " sorry for the over calling '', -I asked they remove my number and the gentleman said ok and hung up. This is all from -phone # XXXX. I have read reports about them using multiple numbers but those numbers can not be found. I have a few numbers I have blocked. I don't know if they are related due to them never leaving a message.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (FL)

Loan paid off in XX/XX/2018. We still do not have the title. The company can not locate the title nor tell us how to get a replacement title. They will not return our calls and either hang up on us or just put us on hold. 

We have been to the DMV here in Florida. We have contacted the California ( state where the loan originated and our residence at the time of origination ) DMV as well. They both believe it is Chase 's fault and duty to deliver us the title.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I have tried to contact the original company which is XXXX XXXX XXXX at the ( XXXX ) XXXX ; pin XXXX, extension XXXX office of XXXX but I can get thru also contact at email ; XXXX they didn't response to request a letter explaining the {$1400.00} debt. which we state we had canceled the service on or about XXXX of 2013 with no success we keep receiving a bill requesting payment for current month as well as previous month. However we have paid already the balance is zero. The collection agency is not doing anything about it.
Consumer complaint received 2018-11-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: APPLE RECOVERY, LLC (FL)

They called to a person ( relative ) giving all my personal and private information about me, give them all details like my social security number, employee location with out they know who was that person behind the phone. Now I feel uncomfortable and scary that somebody else have all my information.
Consumer complaint received 2019-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC (CO)

In XX/XX/XXXX I reached out to credit service company about 3 debts they said I owed. They later sent over information regarding the debt. Initially they said I owed a certain amount. When I received documents on XXXX XXXX the debts and letters that they previously sent me Didnt match the debts that they say I owed and is reporting on my credit file. Also they sent me a letter that is supposedly from XXXX with my Current address and dates that do not match. In XXXX which the bulls are dated for I did not live at my current address. Please see attached documents for contradicting and fraudulent info. I ask that credit Service inc please provide me with XXXX info so that I can request the documents myself. I was not able to attach all the files.
Consumer complaint received 2019-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

I got a car threw XXXX XXXX my car payments were XXXX dallors a week the 3 week having a car the motor blew up and I repeatedly tried to get it fixed by them and I got no help with it I lived 45 miles away from the city get to work no buses come were I lived so I lost my job because they said they come fix my car but no results out of them after they came and got the car they are a horribly bad company that takes advantage of people I was a single dad with XXXX kids trying servive as they had me sink they wouldn't return my calls after they got the car so I stopped making payments they took advantage of me and made me feel small I attempted to do everything keep a XXXX smaller car that they were charging me XXXX for but there bad people taking advantage of struggling people I lost my job due to there promises fix the car and never did and never returned my calls
Consumer complaint received 2019-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

When sending money out of your PayPal account to a 3rd party, they present you with multiple funding options. Regardless if you select your PayPal balance OR select your " linked bank account '', the system clearly states, " the money will be sent right away '' for both options. However, when sending via the linked bank account, after you click " send payment now '' the system says that the payment has not been sent instantly and instead will be pending for 5-10 days. Additionally, there is no way to cancel the payment and the PayPal customer service is aware of this misrepresentation and says the system has been broken for over a month. Customer service also refuses to cancel the payment even with their " broken '' system.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I 'm writing this letter in hopes of getting some resolve of my student loan balance. I mailed a letter to former President Obama and current President Trump regarding my extensive balance with Navient/XXXX Loans. I attended XXXX University ( XXXX ) and XXXX University ( XXXX ). My wages were garnished and my debt to income ratio is severely high. I 'm being told that I owe over {$500000.00} in student loans. I cant wrap my mind around such a figure. I 'm a XXXX and I barely make {$XXXX} a year. No one from XXXX or Navient are able to tell me where this balance came from. I 'm currently in a re-payment program where I pay {$80.00} per month. I was told after 10 years, my end balance will be forgiven. I need help in resolving this matter. I can be reached at XXXX for any questions or comments. Thanks for your attention to this matter. 

Sincerely, XXXX Customer/Complainant