davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MN)

My bank XXXX XXXX made 2 payments to a vender on XXXX for {$150.00} & {$200.00} on XX/XX/XXXX. Electronic payment. The vender checked their accounts and they didn't receive the payments. The banks system only lets me enter a mailing address and not account information for an electronic payment. The bank will only say that they sent the payment to my vender XXXX. No account information of where it was sent. They say they can't refund the account since they have no way to get the electronic payment back. 
They know where they sent the payment and should have a record of it to track it down and get the payment back. They are refusing to do anything about it. Does this mean bank bill payment is a fraud and not safe.
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DE)

Transferred from XXXX to Mohela XX/XX/XXXX. Never received any communication or initiation of contact from Mohela. Incomplete transfer of payment history and other information as of XX/XX/XXXX. I had to beg Mohela for payment history and they treated me as if they were doing me a favor by providing info. 

My PSLF applications have not yet processed through Mohela or updated counts despite being submitted spring XXXX. Agents, Managers and Supervisors unable to explain why my applications have not processed after 8 months. I have been told to be patient since XXXX XXXX. Ive had to resubmit my XXXX Loan Forgiveness application 3 times because of bad instructions and information from Mohela personnel. On XX/XX/XXXX, Mohela agent stated I would disqualify myself from PSLF if also applying for TLF. Spreading inaccurate information and completely misrepresenting the basics of COVID Waiver. Making loan holders jump through hoops, agonize and stress over possibility of jeopardizing their opportunity for financial security, making corrections to and having to resubmit applications because of Mohelas mistakes and holding up the forgiveness process in general. Im sure many have just given up. It is exhausting and discouraging spending so much time and energy with not even the bare minimum of regard or support from loan servicers. Many agents are condescending and rude when answering questions they are being paid to answer. This entire experience and process has been appalling.
Consumer complaint received 2021-09-01
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. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with an unpaid balance of {$4900.00}, opened on XX/XX/XXXX being reported by XXXX XXXX XXXX, XXXX ( account number XXXX ). I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX XXXX, XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and XXXX XXXX XXXX, XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2018-02-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.
Consumer complaint received 2022-09-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc. (IL)

I did an application for a consumer credit transaction with XXXX XXXX in which they told me XXXX needed me to put a down payment of {$6800.00} on a used XXXX XXXXXXXX XXXX and a 5 year verification letter stating I will be getting public assistance for the length of the loan. How does Congress define income? What law requires a consumer to provide proof of income for the length of the consumer loan? Why was I being offered installments when a purchase money loan is for a finance charge?
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ceannate (NJ)

Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX University in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.
Consumer complaint received 2022-09-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (HI)

Have had a mortgage for over 5 years now. We had absolutely no problems paying our mortgage until receiving a huge bill due to an escrow shortage. Click n ' Close, Inc is the mortgage company that demanded over XXXX upfront or a rise of nearly XXXX dollars a month to cover that huge shortage ( A significantly huge amount ). The company has never ever informed us that they merged or bought out Mid America mortgage. This situation caused us emotional distress due to automatic payments coming from someone we did not know. Even had to call the bank and figure out what was going on until finally, we figured out that it was our new mortgage company ( Click n ' Close , Inc. ) We would have appreciated any sort of basic communication to let us know without going through all the distress. Forms of communication such as phone calls, text, email, and post mail would have been appreciated and absolutely NO COMMUNICATION was received via the change. 

The only time we received any communication was this outrageous escrow shortage bill. Click n ' Close inc never informed us at all that they changed our insurance and gave us a super expensive homeowners insurance way above average in our area and significantly more than last year. Again ZERO COMMUNICATION! I and my wife have felt like we were extremely taken advantage of by this shady company and their shady practices. This company needs to get investigated!!!
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (CT)

We had XXXX XXXX. We were submitted a final bill. I paid the bill and returned the equipment. We received a confirmation that the equipment was received. Then about a month later we get another bill. I called them and asked what the bill was for. I told them we paid our final bill, so I didn't understand. They gave us no reason other than you owe them an XXXX charge. This also happened to my neighbor and my mother in law. No explanation and same amount charged. This is a scam and then they threaten to report us to the credit agency. This is a consumer scam. People pay it because they are afraid to be reported. Look at my credit. Do I appear to be the type of person who doesn't pay my bills!!!!!!
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent in requests to investigate errors on my credit report over 30 days ago, but I have not yet received the response. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2018-02-22
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. (GA)

I am deeply upset that Equifax continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/2017 dispute results, for the second time same issue. BK # XXXX from was removed from my Equifax credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by Equifax. Due to this inaccuracy being reported my family and I are being affected. I am on anxiety medications from the stress of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

Equifax continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

My first statement and payment w/ XXXX XXXX ( Comenity Bank ) was due on XX/XX/XXXX, was waiting to pay until the last date due to my husband being furloughed and my salary cut 35 % with COVID19. I was a day late ( didn't realize a statement could be due on a weekend ) and paid the morning of Monday, XX/XX/XXXX online - at that time the account did not show any late or interest charges and showed I was paid in full. I just got a bill for {$100.00} ( {$29.00} being a late fee and {$77.00} being the interest charge ). Discussed the matter and they'll only waive {$15.00} for the late fee but won't waive the interest. I said I want to cancel the card then but have a custom order item ( placed 2 orders on the card in XXXX, one was delivered - hence the XX/XX/XXXX statement and the other is due in XXXX ). If I cancel the card, I'll get a fee from XXXX XXXX for the cancellation of a custom order but I don't want to have it on the Commenity Card because I feel their customer service in this specific situation is unreasonable.
Consumer complaint received 2021-02-27
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. (GA)

The credit card companies such as XXXX XXXX and XXXX XXXX are reporting accounts to Experian illegally. These are fraudulent accounts and needs to be blocked by the bureau permanently as I fight to get these off my report. I am a victim of identity theft and the credit card companies are being very hard to deal with. I am the victim here and I am being made to feel as if I do not matter and they can do what they want. I am retaining an attorney to sue them separately. 

In the meantime my credit should not have to suffer as the Credit reporting agencies have the power to delete and block them. I request they do so. Attached is a copy of the police report as well.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (OR)

I had XXXX for years. When I was given a no-cause eviction notice because they were selling the apartment complex I lived in, XXXX assured me they would not charge me the {$150.00} early termination fee. I started receiving bills trying to collect the {$150.00} as well as threats to send it to a collection agency. I called again and was told I need to speak with the billing office. I called billing and was assured they would correct their error and they would credit the {$150.00}. I explained I am trying to buy a home and can not have this affect my credit. They once again, assured me all is corrected on their end and I will not receive any more notices. Well, the next notice I received was a hit on my credit report from a collection agency on behalf of XXXX, for the {$150.00} early termination fee. I called yet again ( probably 15-20 phone calls in all ) and they again apologized and said they have credited the {$150.00}, but her supervisor will have to send an email to somebody to have it removed from my credit report. Absolutely crooked company I HATE XXXX.
Consumer complaint received 2018-02-22
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: CarMax, Inc. (OR)

I have been disputing XXXX XXXX XXXX account in order to have it removed from my credit report as I feel based upon my research it is not reporting accurately or in compliance with FCRA or the FDCPA
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (WA)

on or around XXXX - XXXX I saw a lot of pre approval on credit karma at first I didn't pay I no attention but credit karma kept sending pre approvals telling me that I was pre approved for credit cards personal loans and that I can refinance my car everyday I would see these offers every time I logged in to check my credit scores so after a few months of being told that I was pre approved I thought I was now in the perfect place to apply I got so many offers through credit karma that I started telling my whole family about vacations and investments that we were going to use these pre approvals for so I finally applied for a couple credit cards and auto refinance and loans on or around some time in XXXX and I got denied for I was distrait I was very very angry and I felt deceived I was marketed for months so credit karma told me that I was pre approved this was a lie. I was severely stressed out I was nauseous for weeks I had migraines so bad I became XXXX XXXX XXXX XXXX went from XXXX to XXXX now every time I see pre approvals I immediately close my phone and shut my computer of this has made me so un easy and XXXX that I haven't checked my credit as frequently as I should!
Consumer complaint received 2020-08-19
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. (MI)

I filed a dispute with Transunion in regards to an account with XXXX XXXX XXXX  which stated that I was late paying my account 3 times which is false. I asked Trans union to send me a copy of the of the results of the investigation. I also requested that they send me proof via a document with the response from the Bank and informed them that I would not accept verification via e-Oscar or any other form of electronic verification system. I requested a formal response from the bank verifying what they are reporting on my file. Trans Union is refusing to follow the law and continues to report late payments on my report. I do not believe they are following the law and request and investigation into their practices. My next step is to involve an attorney and request damages for reporting false information.
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

On XX/XX/XXXX, I went to a Lexus dealership to explore leasing/financing options and get a new car. I was presented with my options for monthly payments when leasing vs. financing, as well as how those payments would change depending on the amount put down. I was fully transparent that I would likely want to own the vehicle at some point but thought the lease approach worked best given the high interest rate environment. 

I chose the leasing option given the relatively lower monthly payments. After agreeing, I waited for about an hour to see the finance person and sign the contract. I went into the office at around XXXX XXXX, after the dealership was technically closed. 

The finance person walked me through the details but did not provide a physical copy of the contract for me to review. I was told the amount for the monthly payments, the initial amount due, and the purchase price of the car at the end of the contract. Again this was all verbal and no physical contract was presented to me. I again reiterated that I would likely purchase the car at the end of the lease and thought that this would save me as I was told that the amount I put down at signing would reduce the lease-end buyout price ( I recognize now that this is not how it works and that the down payment doesn't do anything for the buy-out price - but no one corrected me ). 

I signed on a digital pad after he walked me through the details. Since I did not come in with a check, they said that they can not provide me with a copy of the physical contract until I provide the check. I provided the check on the following Tuesday, XX/XX/XXXX, but was not given the contract until today, XX/XX/XXXX. 

Upon reviewing the contract, I noticed that there was a disclosure for the " Total cost of the lease, assuming you do not default and exercise your purchase option '' which was ~ $ XXXX. This was not disclosed to me at the time of signing and, had I been aware of this, I would have rethought my option to lease and, instead, finance the car. Also, at the end of the contract, there is a disclosure that says that I have one business day to review the contract before signing. This was not disclosed to me either. 

While I recognize that I should have requested a written contract, I strongly feel that XXXX XXXX XXXX was not upfront and only selectively disclosed certain fees/costs associated with the lease. They failed to disclose all costs that were presented on the contract and to inform me that I had one business day to review the contract prior to signing. I felt very pressured as the sales associate told me that I had to leave with the car that night to get the best deal. 

I also feel like I was treated unfairly by Lexus Financial Services approaching the contract signing process by having a finance person verbally talk me through it and sign on a little electronic pad. This was after waiting an hour to see the finance person and being at the dealership so late.
Consumer complaint received 2022-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Society Business Services, Inc. (AZ)

I had to visit the emergency room in XXXX of 2020. I was under the impression my insurance paid for the visit as I never received a statement or bill. Ive been trying to contact XXXX XXXX, a company that has purchased the collection debt I assume. Ive asked for written paperwork and statements showing I owe on this but Ive received nothing. Ive tried disputing through XXXX XXXX and I never get a response. Im trying to buy a house next year and need this off my record.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (GA)

I feel that someone in the Federal Government is providing inaccurate information on my reports. I have three credit cards that I pay on monthly, yet NONE of these accounts are being reported. 
There is a negative report that should have been removed long ago, yet it is still being reported. 
Whenever I try to access my report and initiate a dispute, the web page tells me that the site is experiencing technical errors. 

I feel there is suspicious activity on the reports, and it is very strange that inaccurate information continues to be reported. 

I need help, please, to correct the information.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My card and pin was used at a location I was not at, in a large sum. Chase fraud refunded the transaction but now has reversed the refund stating " Since the pin was used it can not be proven to be a fraudulent transaction ''. I have proof I was at my work office at the time of the fraudulent transaction, and I reported the fraud as soon as I received a notification from Chase.