davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One accessed my XXXX credit report without my consent : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX Capital One Inquiry from XX/XX/XXXX
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CT)

The company that I am formally accusing is PayPal for their loss of a payment submitted to them from this past XXXX for {$79.00}. The payment was submitted via money order from XXXX. I contacted XXXX, they said the order was cashed on XXXX XXXX. Whoever the person was that cashed it, I have no idea! I am not responsible for this bout of incompetence, I have the stub from the money order. I have tried being patient with these XXXX but my patience has run out! I have to obtain the info in the money order to submit to you along with their latest bill. I am out of patience with these XXXX, and I am sure you have your share of complaints against them. I also wish to bring charges against PayPal!
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/scrub>XXXX  XXXX  2024 I am Re-Submitting Complaint about XXXX XXXX University, XXXX XXXX, and Credit Karma : ACCOUNT PAID IN FULL ; XXXX! 

RE-AGING ACCOUNTS AGAINST FCRA! 

PERPETUATED BY CREDIT KARMA, and XXXX XXXX as they FOSTER ILLICIT ( INCORRECT DATA ) ATTEMPTING TO DRAW CREDIT REPAIR INCOME!
Consumer complaint received 2018-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Massachusetts Educational Financing Authority (MA)

On XX/XX/18 XXXX Eastern Standard Time , I tried for the second time that day to contact XXXX, which had been XXXX XXXX the last time I was able to contact them. I called their MEFA Department line after previously and unsuccessfully attempting to access my online account earlier that day and several times in the past. I was calling specifically to inquire about my XXXX, which I have not been issued. The automated system that I followed during the call, took all my personal information to identify my account and hung up on me after telling me to call back between XXXX and XXXX Eastern Standard Time. This is certainly not the first issue I have had with the handlers of these specific student loans, but this issue is beyond concerning.
Consumer complaint received 2018-01-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (NY)

I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX XXXX XXXX child with XXXX XXXX XXXX XXXX, and Great Lakes Student Loans. 

To XXXX XXXX XXXX XXXX i owe - {$23000.00} To Great Lakes Student Loans i owe - {$49000.00} This was all for a XXXX XXXX XXXX no one will even look at because it says XXXX on it. Please help i am getting physically ill from the stress of dealing with these people.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Capital Accounts, LLC (CA)

Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} CAPITAL ACCOUNTS , LLC o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: B&B Funding, LLC (CO)

XXXX XXXX XXXX hold my mortgage currently and have a current lien on my properly for the total amount of {$200000.00} : XXXX XXXX : acct. # XXXX XXXX XXXX XXXX . 
XXXX, CO XXXX I am a senior citizen and own my home here since XXXX. Beginning in XXXX, a 3rd party, XXXX  XXXX , representing XXXX XXXX XXXX XXXX XXXX has demanded I wire his company {$72000.00} IMMEDIATELY OR HE WILL FORECLOSE ON MY HOME ON XXXX XXXX. He has added interest in the amount of {$5400.00} to the {$67000.00}. THAT XXXX/XXXX STATES TODAY THEY STILL SERVICE UNDER THE ABOVE ACCT. #. 
{$140000.00} + {$67000.00}. = {$200000.00} -- THE VERY CURRNT BALANCE OF THEIR LIEN. 
XXXX of FIRST AMERICAN XXXX, LLC continues to HARASS & THREATEN ME to " wire {$72000.00} TO STOP IMMEDIATE FORECLOSE OF ( MY HOME ) XXXX XXXX XXXX XXXX, CO XXXX. '' XXXX/XXXX/XXXX advises me NOT TO PAY HIM & TO CONTACT XXXX. Please contact me ASAP : My direct contact info is : XXXX ( BEST ) XXXX Thank you.
Consumer complaint received 2019-05-12
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: Bridgecrest Acceptance Corporation (CA)

On XX/XX/2018my vehicle was broken into at my place of employment. The individuals stole my purse which contained my drivers license, social security card, and store credit cards. I immediately called the police to file a report and closed my accounts. Unfortunately on XX/XX/2018 the individuals that stole my belongings, purchased a vehicle online through XXXX  using my information.The vehicle was delivered to these individuals. I have called numerous times and have contacted their legal department via email as well. I have sent them my police report and they have actually been in contact with the detective on my case. The individuals that have stolen my identity to purchase this vehicle have been arrested and are currently in jail for this crime, yet XXXX/Bridgecrest refuses to take this vehicle off my credit report.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I am a big customer at Chase, with all of my personal and business accounts at Chase. 

For some reason, one day I logged in and they said that they are shutting me down with NO EXPLANATION WHATSOEVER!! 

I attempted to get this straightened out with Chase, but all they said was that its closed and thats that. 

I know of a few people who this happened to, all within the past two months and all for no reason at all. 

I am very frustrated with Chase. 


Please help!!!!!!!!!!!
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

I had activity on my card totally XXXX dollars that i did not approve or had nonknowledge of. I even sent the back a letter stating I was not a member of this wed site when transactions occurred,
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Inquirer Name : Bank of America Inquiry Date : XX/XX/2017 I have never applied for Bank of America credit card or loan, my identity was stolen 14 years ago till this day they still try to apply for credit cards and loans they even tried to come get the mail from my house, please remove this inquiry from my XXXX   credit report.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I submitted a dispute against XXXX XXXX to all 3 credit reporting agencies. XXXX XXXX advised Experian to DELETE XXXX XXXX account from my credit report. Experian has deleted all information about my XXXX XXXX account as if the past 5 years of excellent credit with them did not exist. XXXX XXXX does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

have not received following 5 withdrawals : I Have not received those wires from COINBASE XXXX XXXX XXXX {$2900.00} reference # XXXX XXXX XXXX {$9900.00} reference # XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$9900.00} ref # XXXX XXXX XXXX XXXX {$48000.00} ref # XXXX Please update me as soon as you are able to. 

Thank You.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (KS)

On XX/XX/XXXX I went to XXXX looking to purchase a vehicle. I decided on a XXXX XXXX XXXX that had nearly over 100,000 miles on it. I was told by the salesman that I after making 6 months of on time payments I would be able to refinance my auto loan for a better interest rate. After 6 months of on time payments I was denied the ability to refinance my car loan because the vehicle had over 100,000 miles on it. I believe I was sold the car just to make a sale and I've been stuck with paying {$20000.00} in interest a vehicle that is 10 years old. I reached out to Santander who my auto loan is financed through on several occasions. Initially, when I attempted to refinance my auto loan I was told by Santander that they do not refinance auto loans which left me devastated because this is not what I was told by the XXXX salesman. Current Loan Details APR 28.68 % Monthly payment {$420.00} Total interest {$19000.00} Total principal ( the car ) {$4100.00} Total loan {$15000.00} Total term 81 months Loan holder Santander Consumer Usa
Consumer complaint received 2020-04-08
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. (TX)

I have disputed the late payments from XXXX, XXXX and XXXX but they remain on my credit report, even though these loans originated 11 years ago, in XXXX. As you can see from my loan history, printed directly from their site. The only actual late payments were in XXXX. I need this corrected, as the 4 loans in question reporting these same lates would be able to be removed from my credit report as they originated well over 7 years ago. I was in school and in forbearance or deferment until recently when I graduated.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

on XX/XX/2021, I was told by mortgage company that in order to apply to refinance I would need to pay {$550.00} with my credit card card to start the process, and this needed to start the process and I was even told that the since the property was just 2 years old that the appraisal fee would get back to me. Either if I get the refinance completed or not. 

Since the appraisal was never done and the company was not able the deal I requested the money paid a couple of times and they said it woukd take from 5 to 7 business days and I still have not received it. 

On XX/XX/XXXX I contacted by text and by email XXXX XXXX XXXX XXXX XXXX | Better Mortgage XXXX XXXX | XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX , NY XXXX XXXX NMLS ID # XXXX and I was told it would take 5 to 7 days and today is XX/XX/XXXXXXXX and I still not received it.
Consumer complaint received 2019-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

RoundPoint Mortgage Servicing Corporation is ( 1 ) wrongfully force placing insurance ( 2 ) charging a fee even when we prove that insurance has always been in place ( 3 )  attempting to attach other assets we own. 

Whether this is a systems issue, or an intentional issue is difficult to know. 

They actually pay the insurance we have out of an escrow account they manage ; and yet claim no insurance exists, force place insurance, and then when we send the insurance to them that they should already have, they only return a portion of the premium they force placed. 

Additionally, they have claimed to be an insured on other property we own that they have zero interest or loan on for two consecutive years.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (TN)

IVE WRITTEN THUS COMPANY SEVERAL TIMES STARTING IN XXXX XXXX, 2018, ASKING FOR VALIDATION OF DEBT LETTER INWHICH THE COMPANY REFUSED TO SEND. ALSO TO ADVISE THE COMPANY THE INFORMATION IS CORRECT AND TO VERIFY THAT THE ACCT IS MINE, BUT THE COMPANY REFUSED TO SEND ANY INFO. UNDER THE FCRA THEY HAVE 30 DAYS TO SEND ME THE VALIDATION OF DEBT NOTICE AND THIS COMPANY HAS FAILED TO SEND ANY INFO ON THIS ACCOUNT.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

On XX/XX/XXXX I submitted the Income Driven Repayment paperwork to MOHELA. I ended up making a payment on XX/XX/XXXX that was not updated to reflect the new IDR. When the next payment came up for XXXX, I reached out through a phone call with the customer service department to check on the status of my application. They placed my account in a month long administrative forbearance to give my application more time to process. When the XXXX payment came due I called MOHELA again on XX/XX/XXXX. They stated that my application did not process because I was switching IDR plans and there was a {$5.00} service charge. That charge had recently been waived for any person in this situation so they were going resubmit my application without that charge and things would be processed. My account was placed in another administrative forbearance. When I looked for updates on my account in kept showing that it was still " Pending Income Driven Repayment Plan Request. '' When the XXXX payment was coming due and no update to the plan was made, I called MOHELA again on XX/XX/XXXX and was told that my application was cancelled and never resubmitted. Through a 2+ hour phone call, they resubmitted my application for my IDR. On XX/XX/XXXX, I received an email stating it could take up to 90 days to process this application. My payment is again coming due and since this has been an ongoing issue to process my application, I am wondering what steps I can take to make sure that this is processed. I want to begin making the appropriate payments so I can move forward in my public student loan forgiveness payments.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NJ)

I responded to Citibank 's promotional offer in XXXX 2022. They sent me an offer to give a " bonus '' of {$1500.00} if I deposited {$200000.00} or more into a checking account. This was promotion code XXXX. I went ahead and opened the account & deposited the required money- transferring it from another bank account. When the approximate date for the availability of the " bonus '' neared, I called Citibank in order to determine that exact date. Over the course of several weeks I called on about five different occasions & asked that same question. Each time it took an inordinate amount of time for the bank rep. to get an answer. And each answer was different by days or weeks. At no time did any bank representative mention that my bonus offer would not be honored! In XXXX, 2022 I again contacted the bank and was told that I had not met the promotional requirements and therefore was not eligible. The bank had held my {$200000.00} dollars for six months and I had not earned one cent of interest or " bonus ''! I discussed the issue with " XXXX '' on XX/XX/XXXX and also " XXXX '' on XXXX XXXX. On XXXX XXXX I requested an " escalation '' ( their word ). Later, I received their letter dated XXXX XXXX which states that " my account does not qualify since the required deposit was not made per their instructions. ''
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I am a student loan borrower pursuing Public Service Loan Forgiveness. My loan servicer for my federal student loans is MOHELA. 

With the return to payment after the COVID-19 student loan pause, the Department of Education issued clear guidance ( found here : https : //studentaid.gov/announcements-events/covid-19 ) that no borrower would be required to recertify income prior to XX/XX/XXXX. Additionally, that for borrowers with a recertification date prior to XX/XX/XXXX, that date would be pushed back by XXXX year. 

My loans on StudentAid.gov have been updated to reflect this public guidance. On my account, I have an IDR anniversary date of XX/XX/XXXX for each of my loans. I have provided this information to MOHELA and attached it here. 

Despite nearly XXXX months of continuous customer service wrangling with MOHELA, I have been unable to get them to accept the continuation of my current IDR plan until its expiration on XX/XX/XXXX. They are currently set to improperly increase my payments to by over $ 2000 monthly beginning in XXXX. Today I spoke with a supervisor who informed me that none of my information was correct, that it did not matter what my anniversary date on StudentAid.gov was, and that MOHELA would not provide any flexibility to the requirement that I recertify immediately. I informed her that was an unacceptable response, and asked to speak to someone else, but was told there was nobody else who could provide me with other information. 

I informed the agent that I would under no circumstances recertify my income a year before it is actually required, and that I plan to continue to make the same monthly payment as approved by my IDR plan in XXXX, no matter what MOHELA 's calculation of my bill payment is. 

The abuse of student loan borrowers- and particularly borrowers who have specifically pursued public service under the prospect of PSLF- by MOHELA has been widespread and unacceptable. This is yet another instance of MOHELA inflicting clear harm on borrowers despite clear federal guidance to the contrary- and in my case in fact clear personal information that my IDR plan expiration date is different from the date MOHELA has for me.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KS)

I have been requesting an in-school deferment WAIVER from MOHELA since XX/XX/XXXX but they refuse to respond an apply the waiver or provide the necessary form. I started school XX/XX/XXXX. MOHELA placed my loans in XXXX  status for XX/XX/XXXX without authorization and for no legitimate reason as eligible in-school period didn't begin until XX/XX/XXXX. MOHELA refuses to remove the deferment/forbearance from XX/XX/XXXX or in-school deferment status as requested despite multiple emails and requests. They also refuse to provide the necessary form to request the WAIVER.
Consumer complaint received 2022-08-11
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. (MD)

To whom it may concern, I am writing to request information about the account XXXX XXXX XXXX  on my credit reports EQUIFAX as well as XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Consumer complaint received 2017-12-02
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. (GA)

I am writing about a Bankruptcy ref # XXXX that is reporting on my XXXX/Experian/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. XXXX/Experian/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.