davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation (MD)

My son XXXX XXXX was hospitalized on XX/XX/16 for a medical emergency. While at the hospital because it was an emergency I was never asked for his insurance card. When I received the first bill about a month later I immediately called and gave his Maryland XXXX Id number which would cover the bill 100 %. I was told by XXXX XXXX XXXX the original creditor not to worry the insurance would be billed. They never billed XXXX insurance and sent the account to collections at XXXX XXXX. When I called Suburban Credit I spoke to two representatives neither of which would let me explain. The first one hung up on me while she was pretending to figure out how to remove this charge and the second one basically said whos to say you called and gave the original creditor your insurance information. In other words calling me a liar.
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (LA)

On XXXX XXXX, 2017, I opened a XXXX checking account at my local branch using the attached voucher for a {$400.00} bonus. I had met all the terms of the promotion to receive the promotional {$400.00} bonus as stated in the attached voucher including meeting all opening dates, transactional requirements, and enrollment requirements. The promotion further states that the {$400.00} will be credited to my account within 120 days of completing these steps. I completed the last of these steps on XXXX XXXX, 2017. As such, 120 days from XXXX XXXX, 2017, was XXXX XXXX, 2017. I did not receive my bonus. I called Regions bank on XXXX XXXX, 2017, to inquire about my bonus. At this time, I was told that my account was inactive. I had absolutely no way of knowing that my account was going to be inactivated, considering that I had followed the exact terms of the promotion. I received no e-mails, phone calls, postal letters, or notations on my statements about this issue. Furthermore, the terms of the promotion did not indicate that the account had to be active to receive the bonus. I was then directed to call my local branch to ask them about the issue. On the same day, XXXX XXXX, 2017, I called my local branch and talked to the branch manager. I then immediately e-mailed him ( e-mail chain attached XXXX the terms and conditions of the offer and he let me know he would research the issue. I have not had any resolution on the issue since then, and the branch manager has not responded to my last two e-mails, dated XXXX XXXX, 2017 and XXXX XXXX, 2017. Thus, I have reason to believe that Regions believes that by simply ignoring me, the issue will go away. It has now been 55 days past when the bonus was due.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax credit services is reporting anan account that's over 7 years old and needs to be removed from my credit report the account number is XXXX acct name is XXXX. the account and the account history needs to be removed immediately it is past 7 years old as of XX/XX/2012 failure to do this will be against a fair accident I've tried for over a year now it is as of date 7 years old needs to be removed from my credit report the account and the account payments history.also they need to remove all my previous addresses which I sent them several letters and two which are not my addresses. I've screenshot of my credit report that I just pulled on my credit monitoring site I have documentation and paper trail of every letter I sent and credit report please see attached for addresses that need to be taken off and also what is appearing on my credit report and the date XXXXwhich is over 7 years old and needs to be removed immediately thank you very much
Consumer complaint received 2019-10-29
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: Synovus Bank (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 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, 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 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

Beginning in XXXX of 2018, I sent a certified letter to XXXX  XXXX XXXX   explaining that I was disputing the amount they said I still owed on the leased vehicle I turned back in to them. I awaited a response in the mail but never received one. I sent additional letters over the next couple months without any written response other than a bill. They then started to mark my account as past due and eventually marked it as " charged off ''. All the while, I was making every attempt to get this resolved with them directly. They continued to ignore my requests and unfairly marked it as charged off. I have since made additional attempts to get the matter resolved but to no avail.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2017-07-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: First Associates Loan Servicing LLC (OR)

I would like to request an investigation be launched into the lending practices of Peaks Private Loans. I submitted a complaint with the CFPB on XXXX XXXX, 2017 and received a denial reply from Peaks Private Loans. I was misled by XXXX XXXX XXXX to apply for loans which I was not, and never will be, able to pay off, due to the level of education and resources given to me by XXXX XXXX XXXX. Due to my income level, I have accrued an overwhelming amount interest on my loan and my loan is becoming increasing improbable to be paid off. Peaks Loan refuses to work with me to pay off my loans in a reasonable way. I have exhausted my forbearance allowances with them and my income-based payments will never pay even the interest accrued on my account. I have been trying to make the minimum payment each month but it is only going toward my interest. I now owe much more money than I borrowed and the principle balance has gone down very little, with the interest being thousands of dollars. I have paid Peaks Loan thousands of dollars over the last few years and have nothing to show for it. I borrowed this money in hopes of bettering my future and becoming a useful member of the job force but I am not working in the field I studied for, due to the lack of education given to me by XXXX. I have spent thousands of dollars in paying back the interest accrued on my loans for a degree from which I have not benefitted. I am in debt for a degree which is not very helpful in getting me jobs, from a school that was shut down because of predatory lending practices, and have ever-increasing interest from a company that lent me money knowing I wouldnt be able to pay them back on time. I contacted Peaks Loan through CFPB, bringing to their attention the sneaky ways in which they lent me money, and was sent a firm denial in return. I ask that your organization investigate their lending practices and refusal to work with my balance due, in light of the recent exposure to XXXX predatory lending practices, with whom Peaks Private Loans was involved. The education I received from XXXX was not sufficient to prepare me for the job market, the market which would afford me the salary to pay off my loans, that they promised. Please help me to be the asset to the economy which I sought to become when I borrowed from Peaks Private Loans. Thank you for your time.
Consumer complaint received 2018-02-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc. (FL)

I sent a letter to Todd, Bremer & Lawson, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (ID)

Hello, I have a mortgage serviced with Ditech XXXX XXXX. In XXXX of 2018 I submitted my payment online as I do with all my previous payments. As per Ditech system it indicated that the payment was received. Several days later I noticed my account was not debited. I went back on the Ditech site and it showed that the payment was past due and a fee of {$76.00} was imposed albeit the payment was received on XX/XX/XXXX within " the grace period ''. I called their call center multiple times and to no avail did I reach anyone that would assist me with this issue. Instead the representative indicated to send a letter requesting the fee be waived which I did. DiTech indicates " they never received the letter ''. The only options to send the letter was via USPS or email. I sent the letter via USPS. They are very difficult to communicate with and this is extremely frustrating. All I want is for my account to be credited {$76.00} as this mistake occurred with DiTech servicing. 

I appreciate your help!
Consumer complaint received 2017-07-30
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. (MD)

Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
Consumer complaint received 2022-09-09
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-29
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. (TX)

Medical bill is incorrect i have disputed it with the collection agency and they asked me to submit documents which I did and its under dispute, Experian keeps saying information is accurate when its not I have provided proof to both Experian and collection agency showing this is incorrect and this error needs to be taken off my credit report- collection agency keeps telling me to dispute it with the credit bureau XXXX I did 2 of them took it off expect Experian. Experian should Protect me from fraud and false information on my credit and they are not- when I asked them how does the dispute coming back as accurate they said we dont know ( I have disputed it 5 times ) I asked do you see any billing or anything showing this is accurate they said no ( recoded line ) If all other credit bureau removed it because it shows its NOT accurate why cant Experian? This needs to be removed and they need to do a better job investigating disputes by looking into actual bills and documents I have uploaded.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
Consumer complaint received 2020-11-29
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. (NC)

On XX/XX/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no results.
Consumer complaint received 2021-05-20
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 BANNED/CLOSED my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, I even verified all info needed for my account to operate as needed. 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 Please help, thank you.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (FL)

Hello. My complaint is against Fay Servicing. I have had a solid mortgage payment of approximately {$810.00}. It has been about over 15 years that I have been with either XXXX, XXXX XXXX, XXXX XXXX, XXXX. It has been transferred several times, and with any of the other companies I have never had them demand over XXXX XXXX dollars more per month, because there was not enough in the escrow. Although I usually pay late, I never ask to have the additional fee waived, so my payment is about {$840.00}. This year, I called to make my payment, and they were now insisting on {$990.00} ( w/o late fee, with late, I think they said {$1000.00} ). In shock and already financially pressed, I asked if I could pay partial and amortize the rest over a few months. They denied that request, and they said it was due immediately. Obviously, I did not want my credit affected, so even though I really did not have it, I paid. Now this month, before the late fee, I called to see if I could at least have until the end of the month without late penalty. Normally, they do not ask for my loan number, instead, the system finds me. However when I was connected to the payment plan extension ( had already identified my account ), customer service would not help me unless I provided my full social security number. In XXXX, I received notice of a data breach with my mortgage account, so I really did not want to do that. I offered the last four of social, last four of mortgage account, address, birthdate They said, even with that, they would not help me unless I would give my full social to somebody over the phone that I do not know. Anyways, the steep additional charges with no plausible explanation and refusal to help me with a payment plan without full SSN, I just feel this mortgage company is a real bully ( probably also doing to others ), and I need help. At the very least, I want everybody to know what they are doing and how they are treating people. It is just wrong and possibly criminal.
Consumer complaint received 2017-11-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (TX)

This debt has already been paid, I have talk to the main company and the system has been updated. They keep calling trying to scare me telling me that they are coming to my house and my work to try to collect the debt. I have explained to them many times that the debt has been clear, they call me from different numbers but always using language to try to scare me. 
They call themselves XXXX and one time was XXXX XXXX is the number that they use last, I try to tell the guy to stop calling me and he hang up and call me again. 
Please help me with this matter. 
Thanks
Consumer complaint received 2017-07-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MI)

I called OmniCard to activate the {$10.00} VISA gift card on XXXX/XXXX/17 in the morning. They said they card would be available for use in 15 minutes. Hours later, the card is still being declined. The error was " no such user. '' OmniCard said the reason why all of the transactions have been declined is because I 've been using the wrong PIN #. The truth is I have n't been using any PIN #. PIN # s are only required when run as a debit card. All of these transactions were run as credit card transactions, so there was no spot for a PIN #. Then, OmniCard said they were declined, because the card had n't been activated yet ( even though it had been ). I tried using it again. Again, it failed.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

Autopay for my accounts was handled incorrectly, and it is nearly impossible to track amount due through their website interface. I had set up autopay to pay each of my loans, and to add an additional amount each month. This additional amount was supposed to go to the loan with the highest interest rate. 

Because there is only one place on their website to view amount due, but multiple loans that are being handled by them separately with different due dates, it is not possible to view amount due each month for each loan, only the next amount due for the next upcoming loan payment date. 

Instead of getting one automatic debit taken from my account to cover the amounts due for each of my loans plus one additional lump sum ( that I indicated ), I had multiple automatic debits taken in the same month. I can find no indication of why the amount that was taken was taken in my account, but I can only guess that each of the multiple autodebits taken were an amount due for one of my multiple loans, plus the additional amount I indicated taken EACH TIME in the same month. This resulted in me being significantly overcharged each month for my loans compared to the amount due. 
Further, the excess I was paying was going to my highest interest loan, but then was pushing out the payment date such that autodebits were not being placed for that account in subsequent months. There was no direct communication about this to me through my account, nor any indication in my autodebit preferences that this would be the case. 

Nelnet 's website and the way in which they handle payments for each account is nearly criminal, and in order to avoid this in the future I will have to rely on manual payments that I make each month. But, I have only come to the conclusion of this after many months of overpaying my student loans and not understanding why I was getting such large autodebits. I didn't want to cancel autopay for fear of missing a payment on one of my accounts, because there is so little transparency from Nelnet about where payments go and how much is due for each account when.

I feel like the well-being of my finances is being held hostage by Nelnet and their poor management of my loans and payments.