davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SIMM Associates, Inc. (MO)

The company called and left my husband a message stating they were calling to collect a debt. When he returned the call they tried to get him to take care of the debt ( my personal student loan debt, he is by names or responsible for these loans ) and then continued to tell him how many loans they serviced and what the total amount owed was and how many days I was late. I never gave them permission to share that information with him.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

paypal closed my account for no reasons and they will not helping me with getting it back up and going. I am not sure if this is someone mistake as I assume, it has to be. I have not been able to get help from them for months, but I just remembered that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently My email linked to my Paypal is XXXX XXXX
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I applied for a HAMP Loan Modification during XX/XX/XXXX and submitted tons of documents in the last 2 1/2 years or so. Whatever documents they have been asking me ( some of them again and again ), I have been submitting promptly. The only document they needed as of XX/XX/XXXX was my Job letter, which I promptly submitted through my 3rd party. I am attaching a copy of their letter dated XX/XX/XXXX as well as my 3rd party letter dated XX/XX/XXXX, submitting my Job Letter. In fact I have submitted my Job Letter several times in the past too. 
As such I do not understand as to how they are saying that they do not have RMA or any of my Modification docs. by XX/XX/XXXX and hence they are giving me an in-house Loan Modification with a higher payment of {$1100.00}, as against my original payment, which is lesser.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XXXX/2010 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 payments were misapplied.
Consumer complaint received 2017-04-14
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Bonneville Billing and Collections (UT)

Bonneville contacted me by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had agreed to set up payment IF I received information regarding the debt for my record keeping purposes and I did send in one payment in XX/XX/XXXX before I received any information. AS of today, I have not received any mail notifications, and I have been on the lookout for them. I spoke with Bonneville today and again requested a copy of a statement but the agent continue to steer the conversation to making payment arrangements, which I believe is unfair. You have stated that the notices have been mailed but I receive mail every day and there is nothing from Bonneville. Provided address to agent in XX/XX/XXXX and as of XX/XX/2017. The agent kept steering me to set a payment and even told me that now that I am behind the monthly total is raised {$3.00} more dollars. I kept steering back to getting a copy of a statement. This is needed for me to know where the initial total is so when payments are made I can calculate owing.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

In 2014, my husband and I lived in an apartment complex for a few months personal issues happened where we had to leave. Almost 3 years later we decided to get a credit report for personal reasons and noticed an extremely large debt with a debt collector. Within the years they did not notify us what so ever. Last month we reached out to them and they provided us " verbally '' a list of things we supposedly owed when I asked if they could work with us they said no. We were not going to pay such an amount with no proof of this debt, no notification of debt, and the fact that it has been years and they still expect us to pay the full amount is outrages! Since then we have still not received any paper work indicating the debt. We have contacted the creditor and recently found out they have new owners. We have called, been to the office, and emailed them to at least provide some type have verification of new ownership and some type of copy of our file and have yet to hear back from them. This is ridiculous, I do not understand how they expect us to pay an outrages amount of money we had no acknowledge of oweing, this is not right!
Consumer complaint received 2022-03-03
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. (OH)

I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I never received a notice stating the investigation would take longer. I sent the disputes out on XX/XX/XXXX, and the 30-day demand to comply letter out on XXXX XXXX, XXXX.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

I was late on a XXXX XXXX loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked XXXX XXXX to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my XXXX complaint went nowhere- please help me! I have read horror stories about XXXX XXXX and Im scared.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have disputed over and over again some of the inquiries that are on my Equifax credit report. There are numerous inquiries on there that I know I have n't authorized. And I have no accounts associated with them. Equifax keeps advising me that the data is factual. and will not send proof when I requested it. I also have a fraud alert on my report. I just want them to be fair and remove these inquires that I did not authorize. The inquires that have been circled on the document that I will attach were not authorized.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX, I purchased from American Express Travel 4 multi-city tickets from and back to XXXX XXXX XXXX with XXXX. I paid {$2200.00} for each ticket. We were to depart on XX/XX/XXXX, and to return on XX/XX/XXXX. Due to COVID-19-related travel restrictions, I canceled the tickets on XX/XX/XXXX. Starting in XXXX of XXXX, I have been calling AMEX XXXX and XXXX to inquire about a refund. XXXX would refer me back to AMEX because I had paid for my tickets to them and not to XXXX. In turn, AMEX told me that I should try to get a refund from XXXX because the airline had taken " ownership of the reservation ''. 
In XX/XX/XXXX I placed a dispute for the purchase price with AMEX, for which I received a credit. I was charged for the four tickets again in XX/XX/XXXX. A second dispute between XXXX and XX/XX/XXXX had the same result. 
In XX/XX/XXXX, I was able to speak to an AMEX Travel supervisor called XXXX. She got in contact with XXXX and told me that XXXX would issue the refund and that it would take up to 12 weeks to show up in my statement. A refund for two of the tickets appeared on my statement on XX/XX/XXXX. On or about XX/XX/XXXX ( about 15 weeks after I was told the refund could take up to 12 weeks ) I called AMEX again. The supervisor tried to get me to solve the situation with XXXX. I told him that we have already done that and that a partial refund had already been issued. My last communication with AMEX was via email. AMEX acknowledged that XXXX issued the refund but that there was no date for the credit to appear on my card. As of XX/XX/XXXX, AMEX has not refunded me.
Consumer complaint received 2022-03-03
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. (NC)

Equifax updated the XXXX XXXX account showing I have a balance of {$320.00} but that is incorrect. The last report from Equifax shows XX/XX/2022 on the credit report. The actual current balance is {$15.00} due to the interest and annual fees. Would you please assist?
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

my mortgage company which is meant to be paying my property taxes has not paid XX/XX/XXXX and are late paying 1st installment of XX/XX/XXXX, they are showing an amount of {$5900.00} paid twice a year in the amount of {$2900.00} each payment, they only paid {$710.00} but they showed on my account they were releasing {$2900.00}, im now delinquent with the XX/XX/XXXX payment which is short {$2000.00} as i received bill for {$340.00} which i personally paid. I have been emailing and calling them since XX/XX/XXXX and i get no answer from them each time
Consumer complaint received 2017-04-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. ()

I send money to my personal bank of communication account, XXXX, and you send a email shows that was successful, and I will got it at XX/XX/XXXX, but until now I did n't got it.and I also checked my citiprepaid account, this money also did n't return back, so where is the money?
Consumer complaint received 2024-01-27
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. (TX)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following Items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$860.00} XXXX & XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (NC)

I was involved in a vehicle accident in XXXXas a result I ended up having XXXX XXXX.I have had no problems with my XXXX  at all.This matter was handled by my attorney and he has the letters that state my debt was paid in full with a zero balance as soon as the insurance company paid we paid all debts owed.Now 4years later the Dept of Treasury Bureau of Fiscal Service has come back saying I owe them $ XXXXThis is money they are stealing from me for something I do not owe.They have determined that the things they are charging me for are related to my accident.However nothing they have is in any way shape or form connected to my accident.XXXX  is XXXX XXXX XXXX XXXX -- XXXX XXXX  is XXXX XXXX  -- XXXX is a XXXXXXXX XXXX XXXX XXXX XXXX..and as far as the XXXX  XXXX you can look and see it is for my XXXX.I was diagnosed with XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX and had my 1st XXXX  XXXX then.they are replaced or opened up every so often..as for the XXXX XXXX XXXX I have XXXX  and anybody with common sense knows it doesn't get better..none of these things are related to my accident and my attorney has filed a dispute but they just continue to take the money and then change collection agencies..I am XXXX and on a fixed income and they have already taken money since XX/XX/XXXX at over {$150.00} dollars a month ..it hurts and they won't try to fix it..we have the documents to prove what we say but they just ignore it..I didn't know what else to do..the document attached shows the original date from XXXX plus the date they sent the first letter XXXX4 years
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Diversified Consultants, Inc. (TX)

While I 'm half-way into completing the rest of the student loan payment. I got a call from Diversified Consultants Inc. and I have gotten these calls before. Which every customer is curious is to why these companies ca n't follow the laws and to comply with them.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (AP)

I was late on a money lion loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked money lion to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my XXXX complaint went nowhere- please help me! I have read horror stories about money lion and Im scared.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (IL)

On XX/XX/XXXX a vehicle financed with Ford Motor Company was stolen and considered a total loss by XXXX XXXX. XXXX XXXX requested several documents to initiate the GAP claim and relied on the information provided by Ford Motor Company. Ford Motor Company provided documentation that I, XXXX XXXX requested XXXX payment extensions on the auto loan, therefore XXXX XXXX only paid out {$7900.00} and there was a remaining balance of {$1400.00}. 

XXXX requested 2 loan modification extensions but only received 1 loan modification extension which changed the loan payments from 60 months to 61 months. 

Ford Motor Company was made aware that incorrect information was provided to XXXX XXXX, however failed to set the record straight. From my understanding of the situation a representative stated in the notes of the financial record that XXXX did receive XXXX loan modification extensions. 

Today, XX/XX/XXXX I was made aware that a demand letter was mailed on XX/XX/XXXX, however I did not receive any prior written communication regarding a demand letter. No certified proof of mailing was able to be provided by the company. 

A complaint was filed against XXXX XXXX XXXX XXXX to provide accurate information regarding the record of the loan. Based off the information that Ford Motor Credit Company has provided, XXXX XXXX XXXX XXXXXXXX has responded with incorrect information that XXXX has received XXXX loan modifications. 

Ford Motor Company employees have failed to clarify the financial record which has resulted in an underpayment from XXXX XXXX GAP insurance.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: REGIONS FINANCIAL CORPORATION (CA)

I am an XXXX driver and had a skimmer device steal my XXXX Fuel Card information, resulting in 3 fraudulent charges. After almost 3 months, XXXX still refuses to investigate the disputed charges or credit me for them. 
When I got gas at a station on XX/XX/2017, it said my XXXX Fuel card transaction was declined, so I had to put it on my own visa card. The station was XXXX, CA. XXXX. However, the XXXX charge later did in fact go through to my account in the amount of {$51.00}. Then on XX/XX/2017 two more bogus charges appeared on my XXXX gas card in the amounts of {$47.00}, and {$140.00} for stations I never went to. Also a third bogus charge appeared on my personal visa card in the amount of {$95.00}. A fill up only costs me about {$50.00}. I suspect that a card skimmer device stole my information on both cards. 
I reported the {$95.00} fraudulent charge to XXXX who immediately reversed the charge, blocked the card, and issued a new one. I also reported the other two fraudulent charges to XXXX 's card processor, Regions Bank, via phone, who said they could not do anything and all fuel card matters must be handled directly by XXXX. So I reported it in the XXXX on XX/XX/2017 and received a message about 24 hours later saying an investigation would be concluded within 5 days. After 6 days I contacted them and was then advised of technical issues preventing them investigating the charges or allowing them to block the card. I was finally able to cancel the card myself about XX/XX/2017 by finding a cancellation button on the XXXX website. 
As of this date, the fraudulent charges are withheld from my wages and no investigation has been started. I have attempted to communicate several times with XXXX to resolve this, however, as of XX/XX/2017 they still have done nothing citing technical issues. I feel that they are just stalling me with excuses and wish to make me responsible for the fraudulent charges, in violation of regulation Z of the Fair Credit Billing Act, and possibly California Labor Laws, which prohibits employers from deducting such damages from employees ' wages.
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Experian Information Solutions Inc. (TX)

This is a complaint against XXXX XXXX XXXX filed by XXXX XXXX. I have been a customer with XXXX XXXX XXXX since XX/XX/2015. Since this time they have shown to be unethical. Totally disrespect I have direct deposits and every time I would receive a direct deposits I would notice money missing from my accounts even when I was n't using the card. In XX/XX/XXXX I had to get a print out of my transaction history. For XXXX when I looked at my transaction history I notice money was being paid to Experian Credit, XXXX XXXX and XXXX which I had not authorize. I contact XXXX XXXX XXXX filed a dispute against the XXXX companies. The money was returned. They cancelled the card and put a tempary freeze on the account until they investigate. Then in XXXX the took the money put of my account account again. I called them they said they find in favorite of the business and I need to contact the business and get my money refund back. I called Experian talk to customer service clerk she ask for my Ss no. I told her I do n't give that information out so finally I give it to her she find no account. Then asks for my Debit Card number I give her the information she ( cs ) clerk tells me their are XXXX accounts open using that card andshe asks me if I know a XXXX XXXX or a XXXX XXXX. I told her I do n't know an XXXX XXXX but I know a XXXX XXXX but neither one of them live at this address. She ask if they had access to my information. I told them no they do n't live here and have no knowledge of what Bank I use. They asked if I left the information on my computer its possible but I doubt it because no one lives in this house but me. And I told them XXXX XXXX does not need to steal money from me. If anything I might need to borrow some from him. But for as XXXX XXXX I do n't know an XXXX XXXX. They said since the card was in my possession. I probably did it or let someone use my card. I told them not I did n't. I asked to speak to a manager. They transfer me to XXXX. I ask her to refund the money she said they can only transfer on payment back if that. Have my bank to dispute it. I called XXXX XXXX XXXX and gave them the information. The said the dispute is closed you can file a reconsideration. I did the said because we have the same last names and I had possession of the card the dispute is closed.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.