davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

To Whom It May Concern : From XXXX XXXXXXXX I was told Mohela had been directed by the Dept of Ed to not charge interest on accounts. However, my total sum owed to Mohela went up over {$2000.00} even though the account was on " remediation forbearance '' and I should have been put on 0 % interest and any interest accrued during that time frame should have been removed. I called Mohela asking about why this occurred and Mohela XXXX XXXX said each account was supposed to be corrected " manually '' and interest accrued returned to the borrower. 

On XX/XX/XXXXXXXX  before my loans with Mohela started back from the pandemic pause, my total balance was {$170000.00} ( {$150000.00} principal and {$18000.00} in interest ) and yet when my loans on XX/XX/XXXX appeared on Mohela 's website, my current principal ( of the consolidated loan ) was {$170000.00} and my accrued interest was {$650.00} and my payoff amount was {$170000.00}. It would appear that a difference of {$2600.00} would indicate Mohela was accruing and charging me interest during Fall XXXX. I asked Mohela XXXX XXXX and she said she looked into it and agreed I had been charged and she said she saw some money had been returned to me for interest accrued- but not all. She said she was not able to open/see all of my loans from Fall XXXX, but in XXXX loan she said that she saw I was still owed {$640.00} for just that single loan so with all of the loans she would think that might account for the extra $ XXXX. She was not able to tell me the total amount Mohela miscalculated at this time. Mohela has not provided clear amounts in correspondence with me either which I have requested. XXXX XXXX said she opened XXXX Case # XXXX with Mohela for me regarding this issue. I am hoping Mohela will provide documentation along with correcting and returning all the money owed. I would appreciate a clear break down of how much Mohela charged me in interest during the Fall of XXXX and how much they are returning and when I can expect it.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX, I opened an estate account at Chase Bank following my mother 's passing. One week prior to my appointment to open the account, I was required to bring in all of the required legal papers such as my letters testamentary and the estate EIN. I was told the paperwork passed muster and I was allowed to open the account. A week later I received a letter telling me that I needed to supply further identifying information. I called the 877 number provided but after an hour on hold, I gave up and reached out to the branch for resolution instead. ( This was another option provided in the letter. ) A day later, on XX/XX/2021, the banker reached back out and told me the issue had been resolved. Specifically, he relayed that the branch had scanned the documents a few days after the account was opened and the timing created an issue. I was told the documents had been scanned in by the branch and that I did not need to worry about the issue. I was therefore quite surprised a month later when I received a cashier 's check for the amount of funds belonging to the estate with a notice that my account had been closed. I reached out to the branch and was told they would look into the matter. I also again attempted to call the 877 number. This time I was on hold for XXXX hours at which point the system hung up on me. I discussed this matter over the next few days with branch personnel and was just told that they could not open the account because I live in a state other than my mother 's state of residence which has jurisdiction over the probate. This is a particularly strange reason given that I had just concluded my step-father 's estate that was held in the same jurisdiction one month prior to opening my mother 's estate account. The Bank is under the mistaken impression that the state of probate does not allow the estate account to be held in another state. However, my probate attorney told me it was ok and the court in the case of my step-father had no concerns about my opening the account in another state. 

At this point, I am left with a check for over {$200000.00} that is no longer earning interest. This puts me in the extremely awkward position of not being able to fulfill my fiduciary duty as executor. Chase Bank has been deceptive with me, making false statements with material impact, in that they had numerous opportunities to tell me if they had concerns about opening the account. For example, why tell me they needed identifying information when no additional information could cure what they see as a problem. If they had been forthright, I could have transferred the funds to another bank during the waiting period and continued to earn interest. It also strikes me as unfair in that their back office operations caused me injury that I could not have avoided and it is not outweighed by any benefits. 

Please help.
Consumer complaint received 2018-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

There was not a specific option for my issue. 

My daughter went to college, I co-signed her loans. She failed to pay the so I am stuck with them. One specifically is being paid to XXXX XXXX, they were in the middle of a lawsuit/settlement due to not being able to provide proof that they in fact own the loans. 

I have never seen a document from them proving that I in fact own them the loan? 
Amount is around 40, 000?
Consumer complaint received 2023-02-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (OH)

The vehicle is currently in charge off status and was purchased in 2020. They have been attempting to repossess this vehicle for approximately two years. I have a total of approximately 23 call recordings that show aggressive, harassing, abusive debt collection practices from Global Lending Services. In some cases they failed to mini marandize me, in other cases they were also exhibited racially abusive language calling me " Mr. [ First Name ] '' as opposed to " Mr. [ Last Name ]. '' The loan contract itself was completely unreasonable nearly doubling the retail sales price from approximately XXXX ( rounding up ) to XXXX after the vehicle is finally paid off. The overall car payment was an exorbitant {$500.00} per month and mixing in job loss due to discrimination caused the contract to nose dive. 

They filed on my credit bureau a charge off, however are still attempting to repossess from a destitute, borderline homeless man living out of a motel in a remote area of Ohio. I am requesting that they stop all repossession activities, the vehicle should have been seized about a year or more ago. 

Each time I would speak with them, I felt fear and every time the call ended, I would notice my psychological health deteriorate. High levels of shaming and aggression due to a financial problem that was entirely not my fault. 

XXXX  is very cruel, selfish, insensitive company with no empathy or compassion for what people go through during difficult times.
Consumer complaint received 2022-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

It has been over 30 days since I've sent a dispute letter to this agency to investigate incorrect information in my consumer report. This agency has yet to notify me of any investigation findings. This negligence has greatly affected my ability to engage in commerce
Consumer complaint received 2021-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OK)

I recently, discharged from bankruptcy after 5 five years, I made all my payments on time. My compliant is with Specialized Loan Servicing, their information is not aligning with my statements I received from my bankruptcy attorney. Below is what my attorney sent me in an email and I also have hard copies to back it up ... XXXX Have reviewed the statements, and I am attaching the mortgage claims paid in full by the Trustee. It appears from the ongoing mortgage claim, your mortgage balance at filing was {$64000.00}. Through the plan, you have paid the mortgage company a total on the balance of {$45000.00}. On the arrears claim, you have paid through the plan {$11000.00}. That is a total paid of {$56000.00} thereby leaving an approximate balance on your mortgage of {$7800.00} ) Specialized Loan Servicing statement that I just received for the month of XX/XX/2021 is showing {$49000.00} like I haven't paid anything at all.
Consumer complaint received 2020-11-23
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: SYNCHRONY FINANCIAL (FL)

Hi there, I communicated with Synchrony Bank - Lowes In the month of XXXX due to job loss, they were great on setting me up on a fix payment amount of {$37.00} made a payment on XXXX XXXX I am a XXXX and was hospitalized on XX/XX/XXXX after extensive testing was admitted for XXXX spent about 10 days in the Hospital. The first week of XXXX I contacted a Synchrony Bank -Lowes XXXX explain I was in the hospital and the rep offered me a program to defer the current months payment ( XXXX ) to give me enough time heal and re pick up payments in XXXX, she explain this " deferement '' option was directed to people with hardship due to XXXX and explain Synchrony/Lowes will not charge me a late fee nor report any negative payment history on my credit profile, I agreed and thank the rep for the help .... Fast forward to the month of XXXX, I receive an alert indicating 30 day late was reported by Synchrony./Lowes. Communicated with Synchrony/Lowes and they apologize and stated it will be corrected and will follow up with me and they have not send me any letters or calls.. This 30 day late should of never reported on my profile as the Synchrony bank/Lowes agreed to do deferment.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

I have disputed this account myself after seeing it on my credit file with nothing received nor a single response back. I was never informed or given the opportunity to dispute this before it appeared on my credit file which is wrong. I DO NOT OWE this company anything nor do I have an outstanding debt. Please help Account info Account name CREDIT SYSTEMS INTL IN Account number XXXX Date opened XX/XX/2016 Account status - Status updated XX/XX/2016 2016
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

In XXXX we refinanced out home however Bank of America never released the Lien and I have been trying to get them to fix the problem since XX/XX/XXXX, it has been the worse experience I have ever had with a bank they could care less about this and they should have done there job 18 years ago. they should be paying my mortgage for the past 18 years since they did not do there job. I have reached out 7 times with no resolution????? 
The Reception no XXXX.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2021 Ive had {$40000.00} taken from me by Citibank. I was told that my account would be closed and I had to wait 30-60 days to receive any money but XXXX is coming and this put me at a major disadvantage because now I literally have no money until Im able to clear up my account.
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

As of XX/XX/2021. This company has reported me to various credit bureaus for a collection that I have no knowledge of. In the amount of {$1000.00}. I have sent this company several letters disputing that this debt does not belong to me. As well as requesting that they provide me prove of my opening such an account.Including my signature.They have not yet provided me with this information. Which has been past 30days. I would appreciate your assistance in this matter
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Kass Shuler, P.A. (FL)

I have been trying to settle an account with XXXX. In XXXX, I had been in contact with XXXX XXXX. I called him several times in an attempt to settle my account with him, but he would not offer a settlement to resolve this outstanding balance. I left several emails and made numerous attempts to try and resolve the matter ; but XXXX XXXX refused to give an offer and never returned my calls. I believe that XXXX  is in violation of UDAAP Unfair, Deceptive, or Abusive Acts or Practices. Not offering a settlement to resolve the account, not returning phone calls, basically ignoring my efforts for resolution. Instead of them working to help me resolve the issue they just took matters in to their own hands and issued a garnishment. I have tried to contact them concerning there actions as of XX/XX/XXXX where I was asked numerous times to leave a message and have not had a response from there office. I Have requested to speak with management only to be told I dont know how to reach a manager you will need to leave a message and they will return your call. In which I have never received a return call.
Consumer complaint received 2021-07-17
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: EQUIFAX, INC. (PA)

I've disputed this account directly with Equifax several times and also supplied an FTC report. This account does not belong to me. I've never taken student loans out with this company. I believe this information belongs to someone else.
Consumer complaint received 2020-06-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (NY)

I went into my local dealership to purchase a vehicle. Upon arriving the dealership informed us that they have someone that can help us obtain a loan. During the paperwork we were told that our rate was going to be XXXX point something percent. We agreed and stopped our process of obtaining a loan with other financial institutions. The date we went to sign all the papers and pick up the car we were told as we are signing the papers that the loan is 8.5 %. We were surprised and tried to renegotiated but they told us that things change.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CULLEN/FROST BANKERS, INC. (TX)

I have three Frost Bank checking accounts that have continued to show up on my credit report as collection accounts. These accounts are supposedly from XXXX & XXXX and they all show to be checking accounts, which makes zero sense, as I never had more than one personal checking account with this bank. The only time a second & even third account existed was my Business Checking account. That said, Frost Bank is legally restricted from reporting business accounts as collection accounts on my personal credit report, yet it appears they have done so. I have asked for my account statements on all three accounts more than once and was never furnished anything. Due to not receiving the information that I am legally entitled to, I contacted Frost Bank to see if I could have this removed by just agreeing to pay each collection in full and I was explicitly told that they would remove these collection accounts if paid in full and that they would send the request immediately after the balances were cleared. Therefore, I went to the nearest Frost Bank and purchased three separate money orders and was told that the branch had to mail all 3 money orders to the collection dept in XXXX XXXX because the bank branch couldnt process payments for collection accounts for some reason. Three weeks pass and each item is still listed - each with the full balance still showing as unpaid & delinquent. I called the collection dept and they said they never received anything and then proceeded to make me feel as if I was lying about the money orders. Two days later I get a voicemail saying they located my money order payments and that they had already submitted for the accounts to be removed from all three bureaus. Unfortunately, they didnt do what was promised - all they did was list the balance as Paid Collection but they never removed the accounts entirely. I wouldnt have wasted money paying collection accounts had I known they wouldnt remove the accounts entirely because paid collections do no good for any consumers credit score. I have contacted the collections dept several times and no one will ever call me back. These accounts have undoubtedly made my overall cost or credit much higher than it would have been otherwise. I have absolutely nothing else that is negative on my report except for Frost Bank. 

**On the attached screenshots, you can clearly see that not only is Frost Bank still reporting these accounts as collections - but they are also still reporting each account as derogatory! 

**I also attached screenshots of the remainder of my credit file to represent the fact that Im not someone that just doesnt pay their bills. I have zero late payments ever and if Frost Bank would have done what they promised to do, then my score would be close to XXXX, but instead my score ranges from XXXX - XXXX. These accounts need to be removed IMMEDIATELY.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (PA)

Was never aware the company gave my information out to another company which is against the law. Also amount stated thats owed is incorrect I have a letter to prove this information to be incorrect, also have recorded conversations from the company XXXX  with me agreeing to pay them the amount owed which I held up my end of the deal and made payments.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Mortgaging Service claims that your payment goes to the accrued interest, then principal, then escrow, if applicable. 

What really happens if you pay enough extra is that they apply the amount to the full interest and payment of TWO months. You lose the advantages of paying down the principal and a few hours time while you get them to correct the payment and pay to principal. my account is supposed to have a note to pay to principle even, so it does not happen. 

This has happened to me for EVERY payment since 2012. When I complained Wells Fargo said they made a mistake and it's been corrected ... so no follow-up.
Consumer complaint received 2021-02-02
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 (CA)

On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting WELLS FARGO BANK CAR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-03-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (AL)

On XX/XX/XXXX a debt from XXXX being handled by XXXX XXXX was added to my credit report. I disputed it with all three credit companies. They were told it was verified by XXXX XXXX. They suggested I contact XXXX XXXX. I did contact them and was given no specific details. They couldn't even give the amount of original loan. They could not provide me with the address of XXXX. All they could provide was the total amount due with no explanation of details. This is a company I have no knowledge of. I was in the XXXX a lot in XXXX when this loan supposedly was taken with XXXX XXXX that I would not have been able to even apply for an online loan. My former XXXX email was used is what they told me. I haven't used that email in years.
Consumer complaint received 2024-03-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

Today XX/XX/year>, I was alerted by credit karma that I had a new collection by CASHNETUSA. They mentioned that it " I '' took out the loan in XXXX. This couldn't have been possible due to my current situation. This is the second time this has happened where CASHNETUSA has shown up on my account/credit/debt claiming that I owe a debt i've never taken out. I believe that CASHNETUSA may have something to do with this fraudulent behavior because I've personally never been alerted to ever taking out anything. I will be looking more into this myself and will take legal action if necessary. The amount was for over XXXX.