davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have paid down debt, and had an error corrected that XXXX XXXX put on concerning a mortgage I have I had in forbearance reporting incorrectly. The scores stayed the same. I believe these private reporting companies keep scores down to sell their high interest credit cards and loans, etc as they make suggestions for these entitie My scores were at XXXX now at XXXX XXXX, here 's your credit snapshoXXXX XXXX XXXX Learn more Experian Data XXXX XXXX XXXX 2021 XXXX Fair XXXX Credit Usage
Consumer complaint received 2020-11-03
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: Experian Information Solutions Inc. (PA)

XXXX XXXX has fraudulently reported this debt back and fourth as closed and charged off account on my credit report each time I dispute for update with different credit bureau XXXX XXXX reports different information going from closed account to account charged off which had destroyed my credit on a debt that's been reported closed and charged XXXX  XXXX  didn't want to take responsibility for the damages that the vehicle had during a repo when. I picked up vehicle it was leaking gas and could not be driven off the lot vehicle was towed to XXXX XXXX XXXX  where XXXX  XXXX  spoke with 3rd party released my account information and have promise mechanic payment for damages XXXX  XXXX  was confirmed responsible for damages in transportation of vehicle when finally repaired no on one wanted me to have the vehicle for months I needed my vehicle to get back to work XXXX XXXX XXXX  kept vehicle almost one year only consultanting directly to XXXX  XXXX  where they released my account information with XXXX XXXX XXXX. XXXX XXXX  made negotiation with XXXX XXXX XXXX without me and retrieve vehicle from XXXX XXXX XXXX XXXX robbed me of my life my job the vehicle my credit when they made me pay for a vehicle undrivable from then I called corporate to investigate they close investigation without merit or concerns that vehicle wasn't drivable upon being redeemed although I was advised before arriving vehicle was drivable XXXX  XXXX  took my money for car and as a result I was never able to drive that vehicle credit was destroyed my credit job lost with no vehicle and my life set back by XXXX  XXXX  not honoring they're mission they also released my account information to XXXX XXXX XXXX and spoke to them and not me about holding on to the vehicle which prevented me from having any use of the vehicle after one year they made a deal with XXXX XXXX XXXX and did not honor the customer XXXX  XXXX  picked up vehicle from XXXX XXXX  XXXX  which has all this information has been monitored and recorded and the information pertaining to this account I want this account remove and updated properly my family and credit has suffered enough at this point this account has fraudulent activity all over it XXXX  XXXX  needs to take accountability and responsibilities for the damages of vehicle disclosure of my account information to 3rd party and still charging me as if this account isn't reported as charged off this entire account was fraud on XXXX  XXXX  behalf of my credit
Consumer complaint received 2020-11-03
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. (PA)

XXXX XXXX has fraudulently reported this debt back and fourth as closed and charged off account on my credit report each time I dispute for update with different credit bureau XXXX XXXX reports different information going from closed account to account charged off which had destroyed my credit on a debt that's been reported closed and charged XXXX  XXXX  didn't want to take responsibility for the damages that the vehicle had during a repo when. I picked up vehicle it was leaking gas and could not be driven off the lot vehicle was towed to XXXX XXXX XXXX  where XXXX  XXXX  spoke with 3rd party released my account information and have promise mechanic payment for damages XXXX  XXXX  was confirmed responsible for damages in transportation of vehicle when finally repaired no on one wanted me to have the vehicle for months I needed my vehicle to get back to work XXXX XXXX XXXX  kept vehicle almost one year only consultanting directly to XXXX  XXXX  where they released my account information with XXXX XXXX XXXX. XXXX XXXX made negotiation with XXXX XXXX XXXX  without me and retrieve vehicle from XXXX XXXX XXXX XXXX robbed me of my life my job the vehicle my credit when they made me pay for a vehicle undrivable from then I called corporate to investigate they close investigation without merit or concerns that vehicle wasn't drivable upon being redeemed although I was advised before arriving vehicle was drivable XXXX  XXXX  took my money for car and as a result I was never able to drive that vehicle credit was destroyed my credit job lost with no vehicle and my life set back by XXXX  XXXX  not honoring they're mission they also released my account information to XXXX XXXX XXXX and spoke to them and not me about holding on to the vehicle which prevented me from having any use of the vehicle after one year they made a deal with XXXX XXXX XXXX and did not honor the customer XXXX  XXXX  picked up vehicle from XXXX XXXX  XXXX  which has all this information has been monitored and recorded and the information pertaining to this account I want this account remove and updated properly my family and credit has suffered enough at this point this account has fraudulent activity all over it XXXX  XXXX  needs to take accountability and responsibilities for the damages of vehicle disclosure of my account information to 3rd party and still charging me as if this account isn't reported as charged off this entire account was fraud on XXXX  XXXX  behalf of my credit
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/2021, my husband and I entered Chase Bank uptown, a major Chase Bank branch in XXXX, Minnesota to open up new checking accounts and make name updates. The branch address : XXXX XXXX XXXX, XXXX, MN XXXX. We entered the branch lobby at XXXX. There were a male lobby manager, a female general manager who is a banker, and another male banker who was helping a client. It was empty in the lobby and there were no other waiting clients there. However, we were told that since they will be closing after an hour ( they close at XXXX. ), they wont have enough time to open up new checking accounts and do name changes for us and treated us in a very bad way and kicked us out of the branch around XXXX. ( again they close at XXXX ). We are not sure if we were being discriminately treated because we are same XXXX couple but we did have a very horrible experience. As a major Chase Bank branch in uptown XXXX, they stop accepting and serving clients more than XXXX hour before the closing time which is upset and disappointing. My husband and I have been loyal clients with Chase but this is really unforgivable.
Consumer complaint received 2021-06-04
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)

I have been a XXXX XXXX customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through XXXX XXXX Bank. In the past 28 years XXXX XXXX has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet XXXX XXXX is reporting me 30 days late In XXXX of 2014. I tried to dispute with Experian and XXXX  and XXXX  unfortunately the problem was not fixed. Now I am forced to file a complaint against XXXX XXXX Bank for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
XXXX XXXX knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home
Consumer complaint received 2020-12-09
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)

I contacted XXXX XXXX XXXX  ( XXXX  ) via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/ on the student loan accounts. XXXX is reporting inaccurate information ( late payments ) on my consumer reports with XXXX, Experian, and XXXX.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I have paid down debt, and had an error corrected that XXXX XXXX  put on concerning a mortgage I have I had in forbearance reporting incorrectly. The scores stayed the same. I believe these private reporting companies keep scores down to sell their high interest credit cards and loans, etc as they make suggestions for these entitie My scores were at XXXX now at XXXX XXXX, here 's your credit snapshot XXXX XXXX Learn more Experian Data XXXX XXXX XXXX 2021 XXXX Fair XXXX Credit Usage
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted XXXX XXXX XXXX XXXX XXXX XXXX  via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/2019 on the student loan accounts. XXXX  is reporting inaccurate information ( late payments ) on my consumer reports with XXXX, XXXX, and TransUnion.
Consumer complaint received 2021-06-04
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. (CA)

I have been a XXXX XXXX customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through XXXX XXXX XXXX. In the past 28 years XXXX XXXX has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet XXXX XXXX is reporting me 30 days late In XXXX of 2014. I tried to dispute with XXXX  and XXXX  and Equifax unfortunately the problem was not fixed. Now I am forced to file a complaint against XXXX XXXX XXXX  for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
XXXX XXXX knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (VA)

Dispute case number XXXX for the amount of XXXX  was denied ; no information given for denial ; customer service can not provide any answers ; can not even speak to a supervisor ; an order was placed with a merchant and no item has ever been received or delivered for this transaction ; Cash app is not providing any assistance ; I want the money placed back into the account immediately
Consumer complaint received 2023-03-24
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 (MI)

I am in the PSLF program. My federal student loans were previously serviced by XXXX XXXX prior to being transferred to Mohela. My complaint is against Mohela. 

Prior to the XX/XX/2022 PSLF waiver deadline I submitted a PSLF application and a loan consolidation application. Because my loans were being transferred a third servicer, XXXX, processed my consolidation. It was complete XX/XX/2022. Mohela showed the correct total of my loans shortly after that consolidation was complete. I realized I needed to add a couple additional loans to the consolidation and was within the 180 day window. Mohela advised XXXX would process my Add-loan application. I received confirmation they completed that application XX/XX/2022. Shortly after my add-loan application was submitted my balance on Mohela 's website changed and I only see the loans that were previously consolidated. The loans that were added are not visible. This also reset my PSLF count so I now have no idea how many months I have credit for. 

I have contacted Mohela multiple times about updating my add-loan consolidation to show an accurate balance but they continue to give me excuses as to why it's not yet complete. I have uploaded the documents from XXXX showing the completion as well as total balance, I have called and done a conference call between Mohela and XXXX, I have submitted complaints internally with Mohela, I have spent countless hours on hold and speaking with multiple representatives as well as Supervisors at Mohela. I have been told the process can take 30-60 days and also 60-90 business days, either way it has been more than that since my add-loan application was completed by XXXX. Mohela can not tell me when it will be complete or why it's being delayed. 

Attached to this complaint are six pages of documentation from XXXX confirming the data and dates described above. I have submitted this information to Mohela also but still have not received an update.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the last few years I have used Transunion by website, their phone app and XXXX XXXX that is linked to you. I did this to open many credit disputes. This is a free service. I also opened some of these by phone which was painfully slow. I did this for a bunch of disputes over the last few years. However, when I log into the site and phone application I can not see all the details. Please provide me a printed and mailed hard paper copy of all the dispute files opened to date with your company. I need this for pending legal settlements. I have requested this before by phone and never got a response. The hold times were very long during covid19 and I am impacted by covid19 in many ways. Please provide the printed and mailed dispute files in a timely fashion in response to this complaint to avoid further legal escalations. Thank you.
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I had two mortgages both had PennyMac as the loan servicer. I refinanced both mortgages with another lender and the funds were wired to PennyMac on XX/XX/2020. despite that PennyMac went ahead and still drafted out of my checking account XXXX payments on XX/XX/2020 for {$1400.00} and on XX/XX/2020 for {$1500.00}. which is clearly illegal since the loan has been paid. I have tried to call many times and the company has refused to refund me the money
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

In XXXX of 2017, my payment of {$57.00} did not process. I reached out to the company 's customer service, who said that a payment did not go through. I was not notified that this payment did not go through correctly and that it was considered a late payment. I am now unable to qualify for a line of credit. When I contacted the company 's customer service, I was told that it might appear on my credit report but that there was nothing that could be done about this unfair situation.
Consumer complaint received 2020-07-23
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: AMERICAN EXPRESS COMPANY (OK)

I opened a credit card with American Express on XX/XX/XXXX. It was to be used for per diem type purchases where my job was reimbursing me for hotel rooms. My card info was stolen and the card was used fraudulently. I requested the card be closed. I did not know that there was anything owed on the card. In XX/XX/XXXX, a charge-off from Amex showed up on my credit reports. There is no history for it before that time. We paid it within about a day. I have not been able to get Amex to remove the charge off/late payment statuses from my credit reports and this is affecting my ability to get good rates. I literally did not know that I owed anything to Amex until it went on the credit report. Because of the circusmtances regarding the fraudulent activity and no notification of an amount owed was sent to me, I would like Amex to take the late payment and charge off off of my credit report. I believe I've been treated unfairly here.
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (UT)

I called the company this morning to pay off my loan. They would not take a payment as my account is " under review '' ( as it has been for at least three weeks ) and I can not access the website due to this " under review '' status. However, while my account has been under review, they have continued to charge daily interest and take payments without issue every two weeks. When I asked if they could suspend interest charges until they allow me to pay off my account, I was told that I could request for them to refund all the accumulated interest once my account was no longer " under review, '' a status which has an indeterminate timeline. In the meantime, they will continue to collect payments every two weeks and keep my account " under review '' and continue to make money off a loan that I attempted to pay off.
Consumer complaint received 2020-07-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-23
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-07-23
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.