davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NE)

Our VA loan was sold to another company. Since PHH Mortgage has taken over our loan they dont apply payments correctly, we have confirmed delivery of check before due date, the company refuses to accept any form of payment that isnt a money order, they hang up a lot, dont speak XXXX well, apply fees when they have payment, they say they returned the payment/check but dont have proof, they told us they were going to return fees {$83.00} do a credit exsponge to fix how they have made our credit drop 200! Points because they are reporting we never pay but we do. Please help we spent 6 hours on the phone and this company promised all these solutions then sent letters saying the opposite and Denied every having talked to us but we have phone records bank statements etc
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: VW Credit, Inc (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MT)

I am in the Public Service Loan Forgiveness Program at the U.S. Department of Education. I have been in the Program since XXXX of XXXX. Pennsylvania Higher Education Assistance Agency manages this program for the Department. Every single year, PHEAA messes up my qualifying payment count for the PSLF. One year they even removed years of qualifying payments and reset me to zero.

My current complaint is as follows. I submitted an updated Employment Certification Form on XX/XX/XXXX. It has not applied and the time stated has been exceeded. Further, it has come to my attention that PHEAA is again not counting my payments properly. I contacted the Ombudsman 's Office at the U.S. Department of Education and am again filing ANOTHER complaint with you seeking assistance to get this resolved.
Consumer complaint received 2023-05-30
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (MO)

When I opened an account on XX/XX/2020 with Bank of there was an offer for a {$250.00} bonus if the following requirements were met : Customer must make direct deposits totaling {$1000.00} or more each calendar month for three consecutive calendar months by XX/XX/2020 to the new checking account. One or more separate direct deposits in a single calendar month that add up to {$1000.00} qualify. 

I met the requirements but the bonus has not been paid.
Consumer complaint received 2019-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2019 a man from Kentucky accessed my online bank profile and account at Chase bank and removed the secondary joint holder and put a new, his name on the account and changed the address of the account then transferred {$60000.00} without either of the original primary or secondary account holders convent. Filed with Chase and made police report.
Consumer complaint received 2020-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (UT)

I received an installment loan through one main financial end of XX/XX/2018, using my truck title as collateral. 
They told me my interest rate was 24 % I started paying attention to my statements as my balance wasnt going down much and noticed that even though my balance was lower they were charging me more and more interest every month even though prime rates have dropped since I got the loan. 

I spoke someone from onemain after I sent an email from them saying they practiced fraudulent and deceptive lending practices. 
He called and tried to explain away why my interest was going up even though my balance was going down every month and he told me that it was because the interest is accrued daily. And then I asked him well if it's because it's the length of time in between payments then why when I made a {$200.00} payment in XXXX did {$190.00} to go towards interest and then I made another payment 6 days later and 90 % of it went towards interest as well even though it has only been 6 days ... I asked him then why was that the case and he then contradicted himself one more time and said will because there was other interest back interest it was owed and so it all goes towards interest before anything goes towards principal and I said if that's the case then why did {$4.00} go towards principal from the previous payment it's interesting how to be paid off first he contradicted himself many times and then also told me that my rate wasn't 24 % but it was 34 % even if it was 34 % I've made 20 payments of an average of {$200.00} each and my {$4600.00} loan says I still owe XXXX.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have an account with capital one bank, on XX/XX/XXXX XXXX, I paid off account to have a XXXX ( XXXX  )  balance, which was {$330.00}, as of today my balance remains reporting as {$330.00}, credit bureaus don't have correct information and needs to be corrected
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (VA)

Today I spoke with Professional Account Management , LLC to verify the debt that they are trying to collect. 

The debt collector is refusing to verify the debt which is related to identify theft. 

The debt collector is also refusing to take my dispute regarding the debt in question. 

And has harass me and threats to damage my life with phone call, emails, and letter and will not verify that debt. 

The collection agency is only seeking payment of the debt with no verification of the individual and purpose of the debt.
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Physicians & Dentists Credit Bureau (CA)

CalXXXX XXXX XXXX Get so insurance company to have my policy cancel 2 months ago, Because I found some better insurance they are still billing me stating that I asked old the of money which I cancel my contract 2 months ago
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XXXX XX/XX/XXXX, sent the XXXX a letter asking them to investigate some erroneous information on my credit report ( see letter attached ), they never responded to my complaint. I then sent them another letter on XX/XX/XXXX ( also attached to this communication ), still they never responded. Then of XX/XX/XXXX, they received i sent yet again another letter requesting that they block this fraudulent information from my report within 4 days as required .. and got no response ... ( see attached certified letter receipt ), i
Consumer complaint received 2017-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc (FL)

This medical bill should have been paid. At the time of service I had  XXXX  and  XXXX  for health insurance. It 's also being reported wrong. The service was done  in 2011 and  should be deleted from my credit report.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AZ)

I have submitted at least 2 disputes against Convergent Outsourcing regarding a disputed XXXX bill from over 12 years ago. XXXX  hasnt done anything to make them prove the dates are accurate. Convergent keeps changing the date of the claim to a new date every 2 years. But I have called them and told them this was a fraudulent process and I asked them to send me a copy of the contract for the " new '' service they say I signed in 2017, they can not produce that signed contract. This is fraud and has negatively affected my credit for over a decade. I want them held accountable. The reason I cancelled service in the first place is because they couldnt provide service to my house even after installing boosters. 

Here 's the info on the claim : Debtor : Convergent Outsourcing ( XXXX Phone Bill ) Date Open XX/XX/2017 Absolutely False Account # : XXXX Amount Owed : {$1300.00} ( Same amount from the original debt over 12 years ago ) Please help me stop the fraudulent activity which Im sure they use on many people.
Consumer complaint received 2019-11-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (MI)

On XXXX I paid {$26000.00} to pay off my XXXX  XXXX XXXX XXXX a month early before the lease expired. US Bank cashed the check immediately and closed the lease o XXXX per US Bank. I have made numerous phone calls to get the title to this vehicle and the release of the lien and have gotten nothing but the runaround. It is now THREE months later and no title or paperwork for release of lien. I call US Bank weekly but get a runaround and excuse after excuse. Every time you call there you speak to a different person and a different runaround. It's either in the mail or it's being overnighted to me. As of today NO title or paperwork. My last phone call was yesterday, XXXX, at which time I again was told I would get it next week!! I told " XXXX '' I wanted my money back and they could come get their XXXX. I was told that I could not get my money back! My sister gave me the money to pay off this vehicle as she is buying it and is beyond upset!! This vehicle is sitting in my driveway now three months later and she feels she has been ripped off. I want the money back WITH INTEREST and US Bank can come get the XXXX!!! I am tired of this nightmare!!! Never have I been through such an ordeal with a bank!!!!! NEVER will I ever deal with this bank again through a dealership!!!! Please HELP!!
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (AZ)

Please refer to my earlier complaint : XXXX on XXXX/XXXX/XXXX. Just now got a letter from BMO harris - they are telling non accurate information. I had sent them the signature card twice - in their provided envelope. How come they are denying that they have n't got it??? That letter from BMO is bunch of lies. there seems to be something really wrong with BMO harris ... please investigate their operations.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Every month stemming back from XX/XX/XXXX through XX/XX/XXXX, I have called to report that the account information, specifically late payments reported during these month, are inaccurate and in violation of the CARES Act and US Fair Credit Act. Additionally, the account status is also being reported incorrectly as closed. These multiple accounts are open and in repayment program.

My credit has dropped almost 200 points. I was told by serval supervisors at US Dept of Ed that they are aware of the problem and that I am on a list yet the problem remains. I have exhausted the dispute option. I am no longer able to dispute with credit bureaus as I have filed the same dispute multiple times with all three credit bureaus ( XXXX, Experian and XXXX ). Every month, US Dept of Ed verifies that the late payments for XX/XX/XXXX through XXXX XXXX are accurate even though representatives confirm it is not. In XXXX, the same will happen. 

How is a US Gov't student loan able to violate US federal laws?
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

i am a son that stay, s with my mom mother and I am unemployed no money and unable to apply for unemployed beinafits and with out unemployed insurance and my mom is a retired XXXX and getting social security income and we have to pay for repair, s on the home because we have had some havey stom, s and flood, s last year and we had to pay a handyman to do repairs on our roof because the havey stom s and flood made our roof leak and the same thing has happened again and we had to take out home owner, s insurance and pay out of pocket that and we had to pay the handyman out of pocket last year to do the repairs on our roof do to the havey rain storm last year in XXXX and we had we had to defa, s in the family because two of my uncle, s died this year one get XXXX buy somebody else at a local store in XXXX and in XXXX the other one died of XXXX  and XXXX XXXX and we are still dealing with that right now and and most of all we tried to callMr Cooper Mortgage company to tell them we was going to go to send them a payment in the mail and the lady that picked up the said our house is in for closure and they are worng because and most of all we won't Mr Cooper mortgage company investigate and they bank that they bank with to be investigated XXXX possible it is very important and urgent!
Consumer complaint received 2018-07-16
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. (GA)

I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

Dear Bluebird by American Express : Allow me to continually dispute a {$400.00} from a failed ATM withdrawal transaction occurred on XX/XX/20 in XXXX convenience store located at XXXX XXXX, XXXX TX. Please find the attached documents including a failed receipt transaction submitted XX/XX/20 and XX/XX/20 proving that I had received {$0.00} cash except for a piece of receipt indication that the transaction had been failed. Therefore, I hereby attest that the ATM did NOT dispense any cash as requested. Although I did return to the store to dispute a failed transaction, I did NOT, however, get a refund or support for a resolution. 

As I'm certain that the store by the ATM machine has a camera, I hereby ask that the store and/or the ATM operator will provide footage of the relevant incidence in dispute. 

I'd appreciate a prompt and fair resolution to the matter. Furthermore, I hereby ask for a credit of {$400.00} to my XXXX account Thank you XXXX XXXX
Consumer complaint received 2020-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank is having issues posting direct deposits to consumer checking accounts today Friday XX/XX/2019. This creates a massive inconvenience to the population that lives paycheck to paycheck depending on the immediate access to their hard earned payroll or social security direct deposits. In Capital Ones Account Disclosures, they state that electronic direct deposits will be available same business day. Unfortunately, as of XXXX est this has yet to occur. If the funds are not available same business day, Capital One should be held liable for any issues its customers incurred due to the breaking of their own Account Disclosures. The thing that is most troubling is the lack of communication between the bank and its clients that have instilled their trust of their money into this financial institution. As of XXXX est there has only been a vague automated message on their customer service line and a XXXX  post stating about pending issues, with no set time frame.
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (NY)

I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas on XX/XX/XXXX ( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information. I see many scam allegations on google on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped. I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The credit bureaus stated that they will start removing XXXX XXXX of XXXX XXXX. As a gesture of goodwill, I am pleading with Experian to remove this account from my credit.