davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

On XXXX XXXX XXXXXX/XX/XXXX, I received a letter from Mohela. Part of it states exactly under Annual Recertification " You won't be required to recertify before payments restart in XX/XX/XXXX, and the earliest you could be required to recertify is XXXX months after the payment pause ends. If you recertification date falls between now and XXXX months after the pause ends, it will be pushed out by XXXX year. '' It says my payment restart date is XX/XX/XXXX. XXXX months after XX/XX/XXXXXXXX XXXX XXXX 

On XXXX XXXX XXXX I receive a letter from them saying my recertification date is XXXX XXXX XXXX  ; since XX/XX/XXXX is before XX/XX/XXXXXXXX I expect it to be pushed out by XXXX year. 

On XX/XX/XXXX, I contacted Mohela after checking their website, and it said my IDR recertification date was still XXXX XXXX XXXXXX/XX/XXXX. I spoke to a representative who informed me this is normal and once their systems go from XXXX to XXXX, my IDR date should get pushed out as part of that processing. I am happy with this outcome. 

XX/XX/XXXX : I check the website to see if the IDR date has been pushed out and it was not. I contact Mohela to inquire. During this call, I am told by their automated systems that my XXXX recertification date is XXXX XXXX XXXXXX/XX/XXXX and if I do not recertify by this date, my payments will increase to approximately {$430.00} per month. I speak to a Mohela rep, XXXX, who is unable to help me after I explain the situation and transfers me to another department. I then explain the situation again to another rep, XXXX and she is unable to help me and transfers me to another department. I then speak to a third representative and explain the situation again, at this point I have been on the phone for over an hour, the vast majority of it on hold. This representative tells me my actual XXXX recertification date is XX/XX/XXXX and provides no proof to back that up except for claiming " my system says so '' ; meanwhile I have letters and a picture of my online account stating that the XXXX recertification date is XX/XX/XXXXXXXX  AND I my payments will increase if I do not recertify at that time. If " the system says so '' then why was I repeatedly given false information? This agent then tells me I can REQUEST that my recertification be pushed out by XXXX year, but this will take XXXX business days ( XXXX months basically ) and I will lose my XXXX plan because it says I will be taken off on XX/XX/XXXX, and even if they are correct ( I have no reason to believe so at this point ) that it will end on XX/XX/XXXX, that is still before the XXXX month time it will take for them to process this, making the entire thing essentially moot.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

I XXXX XXXX contacted Credit Control Service in regards to a balance of {$100.00} reporting on my credit report. I do not even know if this collection is a valid collection. The only reason that I paid the collection is because I am in the process of purchasing a home and this one account is causing me to not be able to close on my home loan. When I called I told the representative that I was in the process of purchasing a home and needed to have this account deleted from my credit and that I was willing to pay it even though I was not certain that this was a valid debt. The representative told me that the account would be paid in full and that it would be deleted from my credit. When I did not receive the email or document stating that the account would be deleted, I called back in to Credit Control Service and the representative then stated that He was unable to provide me a letter of deletion and that they were not agreeing to delete the account from my credit report. They only sent me a paid in full letter, which is not what I needed. And again I am not even certain that this collection was a valid collection that I owed but I paid it because I am in the process of purchasing a home. This has now delayed my closing on this home and I may even lose the home since I have not been able to get this off of my credit. I am going to lose {$3000.00} in earnest money and {$690.00} in appraisal and {$400.00} in inspection fees due to Credit Control Services giving false information after taking my payment for an account that may not even be a valid collection account on my credit report.
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp. (WA)

In XXXX of XX/XX/2017, Armada Corp., advised of an outstanding debt for XXXX XXXX. Proof of payment was given to the collection agency however, their position is that they received the debt prior to being paid and are therefore owed for their services. I have twice sent letters to satisfy this problem and with no response. However, Armada  continues to report the debt as unpaid and will not remove from credit reporting.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (WI)

From XX/XX/XXXX thur middle of XX/XX/XXXX I was unable to do my payment in timely fashion I was incompastated at time. Some payment where made late or not all. I was in XXXX XXXX XXXX. By the time I was able to go back and do my owe finances the damage was done. I guess what I trying to say is I don't feel this should have negative impact on your credit scores. They closed my accounts, and drop my credit limit. XXXX would not help with there remarks. And Synchrony Bank closed one left one open, which makes no since. Once I was back in charge everything was back up to date. And a mortgage was Paid off which drop my score again. They didn't take in account what happened. I'm sure I'm not only one this happen to.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I received a  XXXX  form dated for   XXXX   from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   accoun t ( credit card ).  I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00 } ( this is not correct and is severely damaging my credit reports and credit scores ). I de mand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies are  Amazon, Gap, QVC, Sams club and TJ Maxx. This i s against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a viol ation of US Bankruptcy code.  I was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported
Consumer complaint received 2018-01-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX  consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX  and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors. 


I never had two separate student loans. Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts. I complained to the creditors about the duplicate  reporting - in writing - and even completed disputes with the credit reporting agencies. They were also ignored with no explanation whatsoever. 


Once again - I never maintained two separate student loan accounts. This companies ignored my concerns despite evidence to the contrary and complaints to the Equifax, XXXX and XXXX  consumer credit reporting agencies. My FICO credit scores have been severely impacted as these separate accounts report as collection entries. 

I now file my complaint to the CFPB seeking relief.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

Hello this is my second request to LexisNexis to freeze my credit file with them Im hoping by sending this request through the cfpb they will honor this request this time in a timely fashion.
Consumer complaint received 2017-09-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ALLY FINANCIAL INC. (CA)

As an XXXX yr old senior my wife and I purchased a new car. The dealership set us up with Ally Bank and we opted for auto withdrawal from our account. This XXXX XXXX l got an email from Ally saying that my bank rejected payment and after much discussion with different XXXX Ally l contacted my bank and they stated no request was ever made.We have been paying auto withdrawal for over XXXX yrs. l have trusted my bank for over XXXX. After much transfering of calls over a XXXX day period Ally instructed me to log on to their website and redo all my personal information.l did so.When l had finished a notice informed me that they could not reenroll me and to try again later. l was instructed to try again and again the same message came up. I was then instructed in the various ways l could pay my XXXX XXXX payment l chose to pay by check which l sent on XXXX XXXX. At that time l began to research Ally reviews. l found complete disregard for the customer.l found what appear to be illegal practices and l do n't want to be caught up in them and feel bad for those who are.As a senior, l have all ready felt the stress of refilling out unnecessary forms over and over. l am asking for help to stop these practices by Ally Bank.Thank you
Consumer complaint received 2017-11-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

Over the course almost two years I have tried to have the incorrect and misreported information listed on my credit report as confirmed from XXXX removed from my credit reports with XXXX, XXXX & XXXX I have sent over 10 disputes to each reporting agency along with the CFPB and XXXX XXXX XXXX to have these items removed. 

1. The XXXX accounts listed # XXXX on my reports from XXXX XXXX have been reporting a dated of first delinquency of XX/XX/XXXX which is wrong the date of first delinquency. they should be reported as XX/XX/XXXX or XX/XX/XXXX which has aged my removal date by 3 to 4 years which is in violation of FCRA Section 605 2. The accounts also show a pay status of Account 120 past due which is not correct as the accounts should only show a pay status of transferred. 


3. There are remarks reporting on my report account closed due to transfer if the accounts were transferred to the XXXX XXXX XXXX on XX/XX/XXXX or before. How is are accounts that were not being serviced by XXXX XXXX XXXX reporting late payment dates from XX/XX/XXXX to XX/XX/XXXX this information is being reported on seven accounts. And should be removed ASAP 4.  XXXX, XXXX and XXXX all have reported that the information has been confirmed by XXXX XXXX XXXX on more than occasion. 

5. Also XXXX XXXX has also stated that the correct information has been provided to XXXX, XXXX, & XXXX. 

6. Presently I have no idea if the credit reporting agencies have been in contact with XXXX XXXX or XXXX XXXX been in contact with the reporting agencies.
Consumer complaint received 2021-09-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I reviewed a copy of my current credit report and show incomplete or inaccurate information listed. 
The creditor XXXX XXXX XXXX XXXX account number XXXX shows alleged account paid as agreed. This creditor advised that due to payment received successfully the creditor agreed to delete the account. This was a payment received as pay for delete. This is not a dispute buyer request for removal due to pay for delete. Please delete this account as creditor has agreed to do so.
Consumer complaint received 2018-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Had my mortgage XXXX then I guess CHASE took over my mortgage got delayed with house payment because my payment seems to be going up every time, anyways I then Filed for a chapter XXXX in XXXX and had completed it XXXX my concern is how much of that payment I made tru my chapter XXXX was applied to my mortgage???? Looks like I paid more but less was applied to my mortgage ... .hope you could help..
Consumer complaint received 2017-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I was a victim of Identity Theft. I filed a Identity Theft XXXX with XXXX, Equifax and XXXX. Their is a Bankruptcy on my XXXX XXXX that should not be there as I have never filed for a Bankruptcy. 

XXXX removed the Bankruptcy however XXXX and Equifax refused to remove it, AND ITS REPORTING " TWICE '' AS A DUPLICATE. 

I contacted the XXXX and they informed me that they do not have a Bankruptcy that matches my ID. 

They also informed me that they do not and did not report to any Credit Bureaus because the XXXX does not report to the Credit Bureaus. 

HOW CAN XXXX REMOVE THE BANKRUPTCY AND XXXX  AND EQUIFAX DO NOT????
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is to inform you that I sent money to the following number and email XXXX XXXX between the dates XX/XX/2022 - XX/XX/2022 amounting upto {$260.00} over a course of 5 transactions as shown in the image attached below. 

After making these transactions the beneficiary didnt receive the money into his account but only received a text message from the bank which the amount was debited to his account as shown in the image attached below. 

I filed a compliant with Bank of America, the company involved with sending and receiving the amount and they rejected my claim stating that the transaction was completed and they could not provide me with the above claim of said amount. 
Claim number : XXXX
Consumer complaint received 2022-09-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In a matter of days, I was the victim of fraud in the amount of {$6600.00}. I have no affiliation with the charges and or companies involved in any capacity. My history of 30 plus years as an established member of this bank should reflect this. I have spent countless hours on phone with bank and many visits to my branch. The only result is to call the same fraud number. I have been transferred and on hold for numerous hours to be sent back and forth. The bank would not reopen or file a new claim and sent a disapproval letter. 

This fraud occurred as payments to these said various companies, 29 transactions in 3 or 4 days. This was on my Bank of America Mastercard. I have filed a police report with bank transactions before, during, and after the fraud occurred from this account. I have filed an identity theft report, notarized. I have followed instructions per identity theft instructions by freezing my credit with XXXX, XXXX and XXXX. I have certified mailed the above documents including copy of driver 's license, proof with my name and address on utility bill to bank address per disapproval letter. 

I am not paying anything as I fear it would be an admission of false charges! These charges were made as large payments to these companies in large steady payments in DAYS. I am now receiving late fees and my credit score, and life and time are being very affected by this. 

I don't understand why my bank will not support me and dig deeper to correct this. I am at a complete loss as of what to do. I will have to make another report with attached documents as I am having trouble attaching them. I am not as experienced to do this until I get help.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-05-11
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: Experian Information Solutions Inc. (WA)

Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; XXXX, XXXX and Experian. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated. 

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses. 

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!