davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TX)

Mortgage modification was facilitated by spouse without my consent my signature was forged on document, I reached to Mortgage company prior to accepting terms of modification and informed that documents would forged and modification still was accepted I have not been in said state Pennsylvania since XX/XX/year> residence was California
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am not responsible for the debt it was not authorized and fraudulently I am asking can you please help remove this debt from my credit account the account was not verified and I was not provided any proof of verification
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On Friday, XX/XX/year>, I came to Bank of America, the XXXX XXXX requesting assistance with getting my pin reset for my ATM card. The credit solution advisor, XXXX XXXX took my ID and then said she could not verify my account with this information. She then proceeded to say she could not help me and took me to another banker XXXX XXXX who attempted to help me change the pin for the ATM. But when I also asked him about opening another premier account he stated that I had to make an appointment with another banker and proceeded to tell me that I needed to allow them authorization to look at my banking information. He requested that I provide open access to my account and check a box and press submit. I have been the subject of identity theft and am afraid of these types of encounters.
Consumer complaint received 2024-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

Hello, I am writing to file a formal complaint regarding Mohela 's handling of my federal student loan grace period and the resulting interest charges. 

I completed my classes on XX/XX/year>. Since then, I have contacted Mohela by phone and through their online portal on multiple occasions to inquire about the application of my grace period. Despite my efforts and providing proof of my last enrollment date, I have not received a grace period and my loan balance is now accruing interest. 

I have already submitted documentation verifying my final enrollment date, and I understand that my school has updated the National Student Loan Data System ( NSLDS ) to reflect this. 

I request that you intervene and instruct Mohela to : Remove all interest charges that have been applied to my loan since my enrollment ended on XX/XX/year>. 
Apply the standard grace period to my loan.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, my husband and I leased a vehicle through XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. A copy of the lease is attached. 

Section 6 Lease Payments clearly states our first lease payment in the amount of {$1000.00} was made that day, to be followed by 32 payments in the amount of {$1000.00} each, totaling {$35000.00}.

INSTEAD OF 33 PAYMENTS IN THE AMOUNT OF {$1000.00} TOTALING {$35000.00} AS CLEARLY STATED IN THE LEASE,  XXXX  XXXX XXXX XXXX/JP MORGAN CHASE BANK, N.A., COLLECTED 34 PAYMENTS IN THE AMOUNT OF {$1000.00} TOTALING {$36000.00}. 

The automatic withdrawal of the lease payments from our bank account began on XX/XX/XXXX and should have ended with the XX/XX/XXXX withdrawal. Instead, and although the leased vehicle had since been turned in, XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. deducted an additional payment in the  amount of {$1000.00} on XX/XX/XXXX. 

I phoned XXXX  XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. in XX/XX/XXXX and informed them of this error. They acknowledged the error and stated a refund would be issued to us in the amount of {$1000.00}.

When the refund was never received, we followed up with XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. Instead of refunding the amount of the additional payment of {$1000.00} to us, we were told the credit had been issued to XXXX XXXX XXXX XXXX, the dealership to whom the leased vehicle had been returned. In speaking with XXXX XXXX, the General Manager of XXXX  XXXX XXXX XXXX, the dealership has no record of receiving this credit. 

Although the lease was in our names and the money, including the overpayment, was withdrawn from our bank accounts, the representatives at XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. were extremely rude, condescending and refused to provide any details on our lease transactions or payment history. When we continued to press for details, they hung up on us.

I am attaching redacted bank statements indicating the first lease  payment being withdrawn from our bank account on XX/XX/XXXX and the last lease payment being withdrawn from our account on XX/XX/XXXX as proof that a total of 34 payments, not 33 as  stated in the lease agreement, were paid or withdrawn from our account by XXXX XXXX XXXX XXXX/JP Morgan Chase  Bank, N.A. 

The vehicle was purchased from XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. by XXXX XXXX XXXX XXXX, the dealership who accepted the lease return. Therefore, there should be no disposition fee.

I would request that the overpayment of {$1000.00} be refunded to us immediately.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

In XXXX of 2019, I contacted XXXX XXXX and asked to set up an auto-draw on my account for future payments. I assumed that was done until I received a call in XX/XX/2019 from an account representative stating that my account was past due. I again set up a payment to be auto-drawn from my account on XX/XX/XXXX. That payment wasn't drawn from my account and I had no idea it wasn't until I got a notice from XXXX stating that I had a 30 day late on my credit. My credit score went down 55 points. I have never in my life had a 30 day late on my credit. When I called XXXX XXXX, they were unwilling to help. They told me that I would have to provide proof that I had set up the account payment. Since it was over the phone and I was working at the time, I never received anything like that. I feel that it is unfair that my credit is ruined because XXXX XXXX didn't auto-draw the payment and now they are unwilling to help me. I need some assistance in getting this straightened out. My good credit is ruined for a mistake on their end.
Consumer complaint received 2019-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX I initiated a monetary transfer to XXXX XXXX XXXX XXXX XXXX, but it was sent to a XXXX XXXX who I do not know. The company refused to help me in any way and asked that I contact the complete stranger and request a refund. The amount was {$120.00} and {$3.00} in fees.
Consumer complaint received 2019-05-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I requested Transunion investigate the XXXX XXXX account ( XXXX ) that is reporting as a CHARGE OFF on my credit report. 

According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Transunion has never investigated the account once the dispute was initiated. This is a violation of the FCRA.
Consumer complaint received 2020-10-21
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. (CA)

They are saying the complaint is not by me. I AM XXXX XXXX. THIS COMPLAINT IS FROM ME. Stop being XXXX and trying to use every excuse in the book not to address the issue which is the fact that you did not investigate in 30 days!

Now try another excuse ....
Consumer complaint received 2020-10-21
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: TRANSWORLD SYSTEMS INC (NY)

There are 2 fraudulent collection accounts on my credit ( XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (UT)

Equifax recently had a hack that puts me and millions of others at risk of identity theft. According to their equifaxsecurity2017.com website, I am listed as a potential victim. I would like a resolution to this problem. Attached is the page I see after putting in my last name and last 6 digits of my SSN on their website.
Consumer complaint received 2019-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

I have noticed on my monitoring service an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC multiple times due to multiple accounts being reported a debt of {$66.00} and another for {$91.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible as this these accounts are effecting my personal file.
Consumer complaint received 2022-04-05
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. (FL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My credit card, Capital One Mastercard, periodically restricts my account which causes me hardship. They claim that when they do this, it is because of suspicious activity in the account, but, when I call them they can never tell me what the " suspicious activity '' is. My card is presently restricted, paid and up to date. I have never missed a payment or been late. I have emailed my complaint to the CEO 2 times and he didn't respond. They have accepted payment during times of restriction as well, as recently as this week. I do not want my account monitored by Capital One. They are also refusing to accept my change of address without a drivers license, which I can't understand, and I refuse to provide, as I have not updated my drivers license ... They let their customers update their addresses on the XXXX website, but, for some reason which I don't know, they are refusing to let me do this ... Please help
Consumer complaint received 2023-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Mortgage committed a UDAAP violation by refusing ( in a phone call on XXXX ) to provide details relating to the sources, data, & formulas used in calculating an alleged escrow shortage in the amount of {$11000.00}, which effectively doubles my total monthly payment ( from {$1800.00} to {$3600.00} ). 
A dramatic increase in monthly tax payments ( from {$95.00} to {$830.00} ) could indicate that Chase Mortgage failed to perform due diligence when purchasing this loan, and/or Chase Mortgage chose to notify me of this situation only after mortgage rates had spiked in order to prevent me from refinancing. This could be considered a second UDAAP violation.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (GA)

Credit Corp Solutions is in violation of a plethora of consumer credit statutes ( FDCPA to be specific ). They have harrassed me with different mediums of communication for awhile now. Pursuant to 15 usc 1692c, I have informed them in writing that I will not pay anything towards this alleged debt and that I wish for them to cease all future communication unless they are distributing remedy to me.
Consumer complaint received 2018-04-05
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX XXXX XX/XX/1983 Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Creditor 1 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor 2 ( XXXX ) XXXX Creditor 3 Creditor 4 Creditor 5 Creditor 6 Creditor 7 Creditor 8 Creditor 9 Creditor 10 * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX )
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document
Consumer complaint received 2020-12-06
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. (FL)

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.
Consumer complaint received 2019-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

Debt owed to American Express for XXXX. This debt collection agency Named XXXX XXXX started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CA)

This morning, I saw on my debit card transaction history that a company called XXXX XXXX had used my debit card for {$510.00}. 
I contacted my bank and notified them that there has been a fraudulent charge and that my debit card is compromised. 
They said they will issue a new debit card and start a dispute for the fraudulent charge and an investigation will take place and could go on for up to 10 days. I explained that I needed this money to pay for my car payment and other bills and that {$500.00} is a lot of money. And they just apologized and said that this was all that they can do. How is it that I lost {$510.00} from no fault of my own and there isnt a guarantee that I will get my money back?
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made contact with Kohl 's Credit Card in reference to trying to settle my past due Kohl 's Credit Card account ( ending in XXXX ). I spoke with them sometime before or on XX/XX/2020. I received an agreement that they would settle my Kohl 's Credit Card account if I were to pay {$280.00}. I paid the {$280.00} that day over the phone and it was taken from my bank account on XX/XX/2020. I was told that after making this payment I would no longer owe any money and that my account would be closed and paid off. A few days later I received a letter from Kohl 's Credit Card stating they agreed to settle my account for {$280.00}. I called Kohl 's Credit Card on XX/XX/2020 to see if I could get a letter showing I paid the {$280.00} and they told me I still owe {$280.00}. I told them I received the letter in the mail with the settlement and that it was paid and they still would not close the account as being paid. I have attached the letter I received from Kohl 's Credit Card agreeing to the settlement, the statement showing where it shows I still owe {$280.00}, and my bank statement showing where I paid {$280.00} to Kohl 's Credit Card. This has caused me delay in purchasing a new house and has caused me to lose some houses which I wanted to purchase. This has also harmed my credit even more as this was paid two months ago and it still shows I owe money which it should not. I am requesting that Kohl 's Credit Card remove this account completely from all three of my credit reports as they did not hold up their end of the agreement and have caused my credit to be harmed more than it should have.
Consumer complaint received 2017-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

Years ago when I was struggling to keep up with my student loan payments, Navient suggested putting all my loans into one. They did not explain in depth to me what this actually meant in the long run. I am a single mother that receives no support, so anything helped. Unfortunately, I did not understand what the consolidating my loans meant or the " fees & Interest '' involved which also was not explained to me. My father came down with a terminal illness, and I took on the role of supporting him until he passed. This in turn made it even more difficult for me to keep up with my loan payments. I tried reaching out to Navient today to try and discuss negotiating my payoff amount. I came into some money and was hoping to get some of my fees and interest reduced or forgiven from over the years. They did not give me any options to help me out what so ever. They do n't have any lump payment negotiating ability. I find this hard to believe, and do n't know where else to turn to for assistance.
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I noticed on my credit report that a collection was added by a Wakefield and Associates from XXXX, TN. The account was placed by XXXX XXXX XXXX on XX/XX/2020. To the best of my knowledge I have received no written communication nor have I spoken with anyone at this company regarding this debt. I am assuming that XXXX is also XXXX based out of XXXX, TN. XXXX was the XXXX XXXX  provider at my employer XXXX XXXX of XXXX. I was seen in our XXXX for flu like symptoms. The co-pay was paid at a reduced rate and the remainder to the best of my knowledge was paid by my insurer XXXX  XXXX XXXX. The amount showing on my credit reports is between {$110.00} and {$110.00}. I wrote Wakefield and Associated on XX/XX/2020 to verify the debt but I am yet to hear from them. I feel that this debt is not valid and I am looking to have this account removed from all 3 of my credit reports.