davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CT)

My student loans were initially under XXXX with the account number XXXX - 1. I have several student loans that date all the way back to XXXX. 
I initially took over {$140000.00} in student loans, between student loans for myself as well as parent plus loans. I have every intention on paying back the amount I took out. When the loans came due, after I graduated in XXXX, I couldn't afford them. I contacted the lender ( XXXX ) that told me I did not qualify for a reduction but I could use forbearance. This happened from XXXX until XXXX when the loans went to zero percent. Interest swelled over {$80000.00} and ultimately I will never be able to get ahead of them. 

First, I had consolidated my loans and it appears the calculation for the weighted percentage was miscalculated ( I have added the details below on the loans ). I was being charged 6.75 %, of course now the interest is zero percent. During the consolidation, they also consolidated my subsidized loans, which didn't help me when I went back to school and my loans were put into deferral between my XXXX  received in XXXX and my XXXX  received in XXXX. 

Student Amount Taken Interest Rate Date Drawn XXXX - XXXX XXXX {$3500.00} 1.76 % XX/XX/XXXX XXXX - XXXX XXXX {$3000.00} 1.76 % XX/XX/XXXX XXXX - XXXX {$9500.00} 6.80 % XX/XX/XXXX XXXX - XXXX {$10000.00} 6.80 % XX/XX/XXXX XXXX - XXXX {$7000.00} 6.80 % XX/XX/XXXX XXXX - XXXX {$5500.00} 4.50 % XX/XX/XXXX XXXX XXXX XXXXXXXX University {$8500.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX University {$12000.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX University {$20000.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX University {$10000.00} 5.41 % XX/XX/XXXX XXXX - XXXX {$15000.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$3800.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$2400.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$3900.00} 7.90 % XX/XX/XXXX XXXX - XXXX {$12000.00} 6.84 % XX/XX/XXXX XXXX - XXXX {$7500.00} 6.31 % XX/XX/XXXX XXXX - XXXX {$12000.00} 7 % XX/XX/XXXX Total Federal Student Loans {$140000.00} Ultimately I am looking to wipe away the student loan interest as a fresh start so that I can start paying off my student loans. The monthly payment, once the loan is back in repayment is unaffordable. NOTE : the loan was recently transferred to Aidvantage
Consumer complaint received 2021-04-03
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 (IN)

PayPal 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 but I just remembered 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 my purse was stolen and i filed a dispute after almodt all of my unemployment was stolen at XXXX now my account has been locled at XXXX for the las 7 months
Consumer complaint received 2018-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

My wife and I had a loan through XXXX for a few years on our home then they sold it to a new company we have had since XXXX I believe. Our payment then was just less than {$980.00} a month then in XXXX it went down to {$900.00} due to us being caught up in escrow because we were a little behind due to insurance going up and property taxes going up and due to being all caught up on our escrow being caught up and in good standings and now I talked to the company we are with now which is Rushmore Loan Management Services because our house payment got moved up to {$1000.00} from {$900.00} they are telling us that they went up do to projected amount that might be owed next year but we are not behind at all in our mortgage at all. How can a company say that it might be more next year but they aren't sure yet? We aren't behind we are ahead in our escrow, so how can they do this? They also said if we are over paying by XXXX next year they would refund our money then but not till then. Our house insurance gets paid in XXXX every year and property taxes in XXXX every year I believe. Either way we are {$610.00} to the good in our escrow and every month we are paying {$400.00} into the escrow.
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$990.00} Original Creditor : XXXX XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX XXXX this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$160.00} Original Creditor : XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

My credit card from capital 1/cabelas was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/2018 I contacted Portfolio Recovery Associates for verification of debt, not a bill. According to the Fair Debt Collection Practices Act I asked for a signed contract that I signed where I agreed to pay Portfolio Recovery Associates, documentation that they are licensed to collect in the state of Texas, contact information for their registered agent, the purchased price of this account and the amount of commission to be made. 
On XX/XX/2018 they only sent back a bill ( which I clearly asked for more detailed information ) with the amount they say I owe in the amount of {$1000.00} to XXXX XXXX not Portfolio Recovery Associates. on XX/XX/2018 they sent me an invoice with an amount they say I owe, my social and when they purchased account, but no signed contract.They failed to prove that I am under any financial obligation to pay them this debt according to the Fair Debt Collection Practices Act.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed with TransUnion about a few things on my credit report several times. I have just disputed with them recently about a few accounts that have been closed for years but was included in my bankruptcy this year. They are refusing to remove them off my credit report. I have attempted several times before I decided to contact you. I'm trying to rebuild my credit but TransUnion is making it very difficult for me. All the student loans are consolidated under XXXX XXXX. They wont remove all the old XXXX XXXX XXXX/XXXX  ones off my report. The accounts that I'm requiring about is : XXXX XXXX  XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account was in included in Bankrupcy XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts is under XXXX XXXX. 

I would like all these all removed off of my credit report. That way my credit report is would be correct. Thank you XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NY)

I am the co-signer of my daughters student loan with Sallie Mae. Last year XXXX we reach out the when we found out my daughter would not be able to pay the full amount now that Covid was over. She was paying {$420.00} per month and her new amount would have been {$820.00} per month starting XXXX. At that time she was unemployed and I had just retired so I couldnt help her. We were told theres nothing they can do until it goes to the collection dept. Meanwhile everyday they would call and I would tell the the same thing. My XXXX died in XXXX and I ask them to give us some time to grieve and get our finances together which they didnt because they were calling everyday and I ignore the calls. Finally I buried my XXXX  in XXXX. In XXXX I finally responded to one of their phone call. I was told I was being referred to the account manager. We spoke. He took some information from me. He said I can put you in a program but you would have to pay XXXX consecutive payments of {$480.00} for the next XXXX months and then after that for XXXX years at a lower interest rate. I agreed and thought ok thats that. I notice I was still getting the phone calls but I ignored them because I know they have been getting the payments. Then my bank sent me a notice there was a drop in my credit score because of delinquent payments. I was surprise because I know they were taking out the payments monthly. I reached out to Sallie Mae was told dont worry about it it will clear up after XXXX because thats when youll be finish with your third payment. XXXX come I go to apply for a car loan was denied because of recent delinquent payments. When I check my report there were XXXX delinquent payments because of there are XXXX loans. As a result I had to pay {$2000.00} extra to get a car loan because my credit score took a big hit because of what they reported. When I finally spoke to someone regarding what happened the only thing I was told was whoever I spoke with gave me wrong info and theres and outstanding balance that I need to pay to get me uptodate and stop the delinquent notice. That mistake cost me thousands of dollars and will be on my credit report for awhile. What about accountability. At no point in time did anyone that I spoke with mention me having to pay additional money to bring my account up to date until I reach out again after the XXXX delinquencies. How can you be delinquent while making payments?
Consumer complaint received 2018-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

My auto loan was transferred to Westlake Financial. The initial conversation I had with them was fairly pleasant. Before I was transferred I was due for my XXXX payment. Which is due on the XXXX of each month. The month of XXXX was tough for me. I called in on XX/XX/18 and made my XXXX payment. The representative I spoke to was very nice and helpful. She advised me that my XXXX Payment was due, which I was aware. My XXXX Payment was due XX/XX/18. The representative and I discussed a way for me to get caught up, which was extending the XXXX payment to the end of the loan and that way my next payment would be due n XX/XX/18. I thought that was helpful and agreed. She then advised me that I would have to call on XX/XX/XXXX to request the deferment. I stated ok, I will call then. Then on XX/XX/2018 I received a call from Westlake Financial on my cell phone at XXXX, XXXX XXXX and XXXX. Then on my work phone at XXXX XXXX. I was confused as to why they were calling so on my lunch break, I called them. The first representative I talk to stated my account was delinquent and that why I received calls. I told her I was not then she explained that I would get call if I'm 1 day late. I thought this was absolutely ridiculous. I was technically 14 hours delinquent and they had already called me 4 times including my work phone about an account that is 14 hrs. past due. So I then stated well I already had spoken to a representative yesterday, XX/XX/18, explained what was going on, made a payment and agreed to call back on XX/XX/XXXX to request the extension. The representative told me that was not an agreement and I would still get collections call. I stated why would ya 'll call me, if you see in the notes that I am going to call on a certain date. That seems like a waste of my time and yours to keep calling. Then to call my multiple times like my account is months past due. I was upset at this point. I requested a supervisor. The supervisor then told me that I did not have an agreement that is a verbal agreement. He saw the notes of what was going to take place but said that did not mean anything until the deferment took place. I was upset. the only thing he could say was you can request for your number to be removed from the dialer. So I agreed. I think this is a violation of CFPB. The called my 4 times before XXXX for the account to only be 14 hrs. past due. Also when I spoke with the first representative she did not advise me that I would continue to get collections calls. Also, they do not add a late fee on the account until the account is 10 days past due. So I should not be receiving calls anyway. I think this is unfair treatment and harassment to call someone that many times in that short of time frame.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (MD)

Direct Recovery Services LLC. I have received multiple calls from different numbers from this company. The same company recently contacted an acquaintance of mine and left a voicemail stating they were escalating the issue pertaining to a debt owed. When I attempted to call the numbers the associates on the other line were extremely rude and cursed and became irate when I would not confirm my identity. The associates would scold me and say I am not the one in control and refused to give me a mailing address to send a cease and desist letter. I also expressed they were not to call my number again. Each time I requested a physical mailing address they would hangup on me. They are attempting to collect a debt that they have not validated.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I've been a long standing client with JP Morgan Chase Bank. I have had a banking relationship with them for over 15 years and my account has never suffered from an overdraft, low balance or any other account problem. 

On XX/XX/2018, I received a call from someone from XXXX XXXX from Chase Fraud Investigations questioning a series of transactions on my account. I explained to the representative that I recently got married in XXXX and the transactions were withdrawals to pay for wedding related expenses. After a brief conversation, we hung up the phone. 

About 2 weeks later I went to use my debit card at a store when my card was declined and the transaction did not go through. I contacted Chase and was informed that the bank had made a decision to close out my checking account. The only explanation I received was that the relationship is an at will relationship and the bank can choose to close out my account at any time with no explanation. I was in disbelief and outraged by this extreme course of action. I attempted to speak to a supervisor and unfortunately it went nowhere. Anyone I attempted to speak with only provided me with the same justification : the relationship is an at will relationship and that Chase bank has the right to close my account with no cause or explanation at any time. 

We are talking about a 15 year relationship. Additionally I have multiple credit cards and a mortgage through the bank - Which have all been maintained in very good standing. No late payments, no delinquencies or any other blemishes with the relationship. 

At that point I decided to contact the JP Morgan Chase executive office to further attempt to escalate this issue. I asked them if they have any questions or need any additional details, I would be happy to provided it but I was asked no follow up questions. Again, after a week of " investigating, '' they came back with the same line as they previously provided. 

I am seeking escalation of this matter and a reopening of my account. I am happy to provide additional details and information. Just because I got married isnt justification to close my deposit relationship that has only been maintained to the highest level. I believe this particular matter has been dealt with in the right channel within Chase bank and I am reaching out to ensure this is re-reviewed.
Consumer complaint received 2021-09-13
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. (PA)

On XX/XX/2021 I sent Transunion a dispute in regards of my consumer report. I stated the law that they violated and i demanded them to remove it due to the great harm it has caused me. They didnt remove it and now Transunion is civilly liable for their noncompliance so it lands me here again. My purpose of this complaint isn't for transunion to get these accounts validated. The purpose of this complaint is to ensure these accounts attached to this complaint will be permanently removed from my consumer report/file, and to be paid for the violations stated in My Affidavit of truth. Please understand that I am not saying these accounts were opened without my permission, I am clearly stating that Transunion violated my consumer rights Pursuant to the FCRA 15 USC 1681. This is my second time trying to get these items removed these accounts being listed on my consumer report is doing great harm to me while trying to provide for my family in these hard times.
Consumer complaint received 2018-09-27
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. (MD)

XXXX responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both XXXX  and Equifax reporting the same account ( XXXX XXXX XXXX XXXX   ) both agencies reported inaccurate information without proof taking the word of a 3rd party.
Consumer complaint received 2017-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Ocwen loan servicing has credited and debited amounts of 1,500.00 plus more than 20 times in a month. I have called their office several times asking for an explanation and they just stated that someone made alot of mistakes. I need a specific explanation of each credit and debit on my account for the months of XXXX and XXXX 2017. I received a call from my representative assisting with a modification from ocwen and he left me a message to call him back. I was advised that my modification was denied due to the paperwork being incorrect. I need a clarification of why and what was wrong with the agreement. I also need to know why HUD was advised that my modification was approved and finalized when on my account it still shows as me being behind and not being modified. I contacted the office of the ombudsman several times and was told they are working on it and it has been over 30 days that they received the modified papers back with my signature. I need the Administrator of the office of the ombudsman to contact me in regards to this mess.
Consumer complaint received 2020-11-25
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2020, CAPITAL ONE BANK USA add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, CAPITAL ONE add a hard inquiry on my credit report per XXXX.