davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (FL)

Equifax is the only remaining credit bureau that is reflecting an erroneous account after I have requested it be removed several times via phone and XXXX Mail. XXXX and XXXX have both completed their investigations in a timely manner and have since removed the unverifiable account. 

I am requesting that this erroneous information be removed from my credit profile immediately. As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. I have not to have any disputes on my profile and I am continuing to have to deal with this unnecessary negative changes to to credit report. 

To date, I have not received a reply from Equifax and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with Equifax and have yet to receive a response within a reasonable amount of time.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Mr. Cooper Group Inc. (FL)

MR COOPER who identifies themselves as a debt collector, are claiming that they lent money in XXXX and are asserting themselves to be a financial institution. Based on 15 U.S. Code 6801 which states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers, therefore, it is my right to protect my private information from being shared. 15 U.S. Code 1681 section 604 a section 2 states in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Several requests were made in XXXX, attempting to establish whether MR. COOPER lent money. Instead, the information they provided seems to show that they committed fraud, as well as violations against the Fair Credit Reporting Act, FDCPA, possible mail fraud and Privacy Act of 1974. They continuously post notices on the real property 's door when nobody is there, Disturbing the Peace and security of the gated community. Additionally, I gave no authorization to MR COOPER, its successor, predecessors or subsidiaries to furnish my private information to credit reporting agencies.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

i have contacted the credit bureau companies and trhey are simply ignoring my letters and calls from wrong addresses, jobs, names and i alos sent in these accounts and nothing.- XXXX XXXX XXXX XXXX XXXX5/3 bank XXXX XXXX  XXXX child support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card
Consumer complaint received 2017-02-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied for a modification after having a car accident and falling behind on my mortgage. Bank of America continuously denied me claimed they never received paperwork and was very uncooperative. I made a payment towards my mortgage for XXXX and the bank misappropriated that payment. They used it towards late fees which they increased by 100 % and interest. The payment was supposed to go towards principal and the late fees waived with the interest applied to the back end of the loan. I am tired of Bank of America and at this point I need someone who is willing to investigate my first application for a modification and why my payment was not applied correctly, along with why my late fees went from XXXX to $ XXXX-XXXX. 
My mortgage is through XXXX and they are n't helpful although they were aware of the issues that I had with Bank of America and continue to have. 
My name is XXXX XXXX my mortgage company is Bank of America and my telephone number XXXX.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I am writing account information to credit reporting companies. This erroneous reporting has significantly damaged my credit reports, as Kia Motor Finance falsely reported me as delinquent on my loan. 

Despite fulfilling my financial obligations and paying off my loan as agreed, Kia Motor Finance has erroneously reported my account as " charged off, '' tarnishing my credit history and causing significant distress and inconvenience. 

I entered into a loan agreement with Kia Motor Finance, and I am pleased to report that I fulfilled all payment obligations promptly. Furthermore, I fully paid off the loan before the agreed-upon term end date. However, despite meeting all contractual obligations and ensuring the loan was paid as agreed, Kia Motor Finance has erroneously reported my account as " charged off '' to credit reporting agencies. 

The false reporting of my account status as " charged off '' has affected my creditworthiness and financial well-being. This inaccurate information has hindered my obtaining favorable credit terms, secure housing, and access to other essential financial services. Despite my repeated attempts to rectify this matter with Kia Motor Finance, the false reporting persists, and the company has failed to take appropriate corrective actions. 


Despite my consistent and timely payments, Kia Motor Finance has consistently provided inaccurate information to credit reporting companies, tarnishing my creditworthiness and causing unwarranted financial stress and inconvenience. I understand that loan servicers must furnish complete and accurate information that affects a borrowers credit report, as mandated by federal laws such as the Fair Credit Reporting Act ( FCRA ). 

The inaccurate reporting by Kia Motor Finance has seriously affected my financial well-being, making it difficult to obtain favorable credit terms, secure housing, and access to other essential financial services. Despite my direct attempts to rectify this matter with Kia Motor Finance, the inaccurate reporting persists, and the company still needs to take appropriate corrective actions. 

I would like for the XXXX XXXX XXXX XXXX XXXX to investigate this matter thoroughly and take necessary actions to ensure that Kia Motor Finance meets all relevant consumer protection laws and regulations. I also request assistance in remedying the inaccurate information on my credit reports and restoring my creditworthiness.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

I received an email from Nelnet Student Loan Servicing in XX/XX/XXXX stating that my ( variable ) interest rate was changing within the next 1-2 billing cycles. This is the way in which my interest fluctuates due to my repayment plan. A few months later, my interest rate went from just under 4 % ( 3.74 % ) to 7.75 %. The fluctuation is due to what is going on with federal interest rates, which I understand. However, based on what I negotiated with the servicer ( Nelnet now Sloan Servicing ) I was supposed to receive a 2 % reduction for 48 months of on-time payments. I was also to receive a .25 % reduction as an incentive for having my electronic payments automatically withdrawn. In the first call, the rep mentioned that all of the incentives had fallen off with the rate increase, but she could not tell me why. She agreed that the 7.75 rate should be reflecting that 2.25 % incentive. She turned the matter over to researchers for further investigation and said someone would contact me within 2 weeks. They did not! So I reached back out again and inquired. They still could not give me an explanation & turned it back over to " research. '' Eventually after multiple inquiries, they did put the .25 % incentive back on, bringing my interest down to 7.51 %. One representative told me that the reason the 2 % dropped off because I made a " late payment '' in XXXX. However, this makes no sense if the on-time payment requirement was for 48 consecutive months. I asked for a detailed payment history. They sent me statements dating back to XXXX and there were no late payments reflected. Furthermore, if they only have payment history back to XXXX, how would they be able to find a late payment in XXXX. I would really appreciate this matter being investigated promptly as I am looking to consolidate my loans via the Direct Consolidation program, at which time the interest rate will be locked in at my current rate, which should be 5.75 % and not 7.75 %. Thank you.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (CA)

On XX/XX/XXXX I called revvi cards and stated that they have been reporting my closed and charged off account as such and currently are still as of XX/XX/XXXX reporting it. I have attempted with the original creditor and all major credit bureaus to fix this issue but they all will not correct the account to included in discharged bankruptcy. The bankruptcy court of XXXX XXXX in California also in XXXX when filing of XXXX  sent them information as of such in XXXX XXXX XXXX   sent them of my discharge of bankruptcy. Non of the major bureaus or the revvi cards will correct the issue
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (DC)

I signed up for a free Experian account to freeze my credit. They send me regular emails which contain non-useful information like that my Credit Balance has changed or that my credit score has changed.

Despite turning off all notices on their website I still receive these. There is no opt-out or unsubscribe option in these emails.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: USCB Corporation (CA)

Last week i called USCB corporation to fix a new account put in collections in my name. I have never heard of such account. The charged was for registration fee with a local community college, years ago i have already called the local community college and they had removed the fee. However, it appears that they sold the debt or hired USCB corporation to collect the debt. Without billing me or letting me know ahead of time, this company send the amount to collections. This is inaccurate information because i had already fix this issue with the local community college years ago.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Booked a vacation but it was canceled do to Covid-19. I tried to get reimbursted for the air fare but was dinied by both the booking company XXXX and my credit card company Capitol one.
Consumer complaint received 2020-10-14
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: Experian Information Solutions Inc. (FL)

There are currently numerous inquiries and a public record listed on my credit report that I have no knowledge of. I have no knowledge of ever having a bankruptcy. These inquiries were not authorized or initiated by me and was a result of fraud or malpractice.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2023 an online purchase made with a Bank of America credit card was lost by the package carrier, as confirmed on XX/XX/2023 by USPS. This incident qualifies for a Bank of America credit card benefit - Purchase Security - a benefit that had been available on this and two other Bank of America credit cards. Upon attempting to file a claim with Bank Of America designated Benefits Administrator, I was informed that such benefit does not exist. This is the first time this change in the terms of Bank of America 's " Your Cardholder Benefits Guide '', and the most recent copy from Bank of America made available to me clearly indicates such benefit. Multiple attempts, made by phone and visiting a local branch, to obtain clarification from Bank of America as to when the bank notified me of the change were unsuccessful.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OH)

I recently attempted to make a payment via the Venmo ( www.venmo.com ) iPhone application. The transaction was repeatedly denied. When I contacted Venmo support to ask about the reason for the denial, I receive -in part - the following reply ( I do have the full chat transcripts and email exchanges ) : Our automated systems are created and administered by our security, risk, engineering and legal teams. The systems they have set up are working as intended and they will not review individual declines. 

This is concerning to me. While I have no doubt that great care has been taken in developing Venmo 's security algorithms, with no transparency into why certain transactions are being declined, it is impossible to determine if there are any flaws in the algorithm, if bias has been inadvertently introduced, or if something else is at play. 

I have other options to make my online payments, but from a data and business ethics perspective, and a general principle this is concerning. 

Thank you
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (AZ)

The Apple Card, issued by Goldman Sachs, refuses to completely close my account ending in XXXX, with a {$0.00} balance. As of today 's date, it shows a balance owed of {$1900.00} for account XXXX. 

I have called them multiple times and shared with them my XXXX XXXX XXXX  that was successfully XXXX in XX/XX/XXXX, and they still refuse to remove the account in question even though it was included in my Bankruptcy filing. 

This account is still showing as active on my Apple ID Profile, it needs to be removed. 

I am requesting the complete erasure of the account to be removed from my Apple ID, as it is a discharged debt, as well as a document stating my balance is {$0.00}. Something to which they said as much to the CFPB in a previous complaint, but failed to enforce, as of XX/XX/XXXX. See attached screenshot of Goldman Sachs stating I owe a {$0.00} balance. I spoke to the Apple Card Goldman Sachs representative who told me that my balance was still due, and that it does not show a {$0.00} balance and that the account is still active. 

This is illegal and needs to be rectified immediately.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

On XX/XX/, I paid {$1000.00} toward my unsubsidized loan to have it cancelled. The loan servicer has not applied this to my account. I am still showing that I have this loan and it is still accruing interest. I sent an email on XX/XX/XXXXabout this, with no response. OnXX/XX/XXXXI called and was told to fax in a letter stating that I wanted to use my payment to cancel this loan so that it can be applied. On XX/XX/XXXX I faxed a letter stating this and my payment still hasnt been applied to my account.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft through experian files being hacked. When this happened I put a lock on my credit profile and filed bankruptcy to clear all debt. This was in XXXX. I received a notice in XX/XX/XXXX for an unauthorized account from XXXX. I reported to the debt collection company and experian that this was not my account and asked for each to provide any documents that shows my identity, my signature or any relevant documents to prove I opened this account. Neither could provide such information. I asked for this to be removed from my credit file and neither has removed this information. This is causing irreparable damage and harm to my credit standings. From credit report : XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. 
Status Updated XXXX XXXX XXXX
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Pioneer Credit Company, Inc (KY)

This person claiming to represent pioneer credit called both my children and discussed a debt that i supposedly owe this company. This loan is not only XXXX years old ... it was paid off with my XXXX insurance i took out on the loan
Consumer complaint received 2017-03-04
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: ZIONS BANCORPORATION (AZ)

On XX/XX/XXXX I reached out to XXXX XXXX XXXX, the President of Zions Bank. I was providing feedback and was explaining my past situation. It was not even 16 hours later, I received a alert from XXXX about ZIons Bank pulling my credit. I called to find out why, and was eventually contacted by a gentleman who claimed to want to " settle '' a very old account. I explained my inquiry and this gentleman accused me of working for the State of Arizona, I told him I had been XXXX since XX/XX/XXXX. He then discussed trying to take my home. I told him we were doing a rent to own situation, and he claimed he had government information stating to the contrary. I was being treated like a criminal. I never even consented to them running my credit. For that matter, I never even provided identifying information. I gave my first and last name. I never provided a date of birth, social security number, address, nothing else. I think these people would take money from a XXXX persons hands. I have been XXXX for several years. It will eventually lead me to my early death. How many of the banks customers are treated like this. I did not ask to become ill. I believe that this should also be sent to the Federal Trade Commission, I remember receiving a post card in the mail about an action against Zions Bank. I believe I was involved in a class action suit against them. Maybe they should be investigated again.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

Hello, I work as a XXXX XXXX at a XXXX XXXX. Mohela is my loan service provider and I am 72/120 payments toward Public Service Loan forgiveness. I have had issues with Mohela taking a long time processing my account, accepting PSLF counts, and most recently updating my income driven repayment plan to the SAVE plan. I submitted an IDR application to switch to SAVE on XX/XX/year> and it was listed as " canceled '' without any explanation why this occurred. I was put on a Level standard repayment plan with a monthly payment of approximately XXXX dollars per month. I was then incorrectly placed on a financial hardship plan with a monthly payment of XXXX dollars a month. I have tried calling Mohela to see why this happened and I am often put on hold and not able to speak with a human being. When I do connect with a representative, it takes over an hour, and they do not know what went wrong. I was advised to resubmit my IDR application to switch to the SAVE plan. I submitted this application on XX/XX/year> and this again was canceled without notice. I was switched back to a Level plan with a monthly payment on XXXX. I can not afford this. I just want to be in the SAVE plan and complete my PSLF obligations. I am currently on hold with no feedback on what happened to my IDR application. I do not have time to keep calling and it is emotionally overwhelming to not know what I owe each month.
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BERKSHIRE HILLS BANCORP, INC (NY)

I had a car loan through berkshire bank. 
In XXXX before my XXXX payment I bought a vehicle at a dealership and that dealership satisfied my loan with berkshire because I did a trade in. The payment from XXXX was supposed to be sent to me. They automatically charged my again XXXX XXXX. We called them to clear this up. Cancel payments and have a refund sent. Now, ANOTHER month later, they have AGAIN charged my account for a car loan that was satisfied in XXXX. They are not helping me fix this problem and return my money.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

alliance one has been misleading me for a number of years now regarding the amount I owe the traffic court of XXXX county. they led me to believe i was eligable for an amnesty for which i sent them {$490.00} which was not amnesty since they claim now i am not qualified for all accounts had been sent to tax board and my wages garnished but as of XXXX/XXXX/16 that account no longer exists thier lawyer said i owed {$9500.00} yet thier office sent bill of $ XXXXand of {$8000.00} and yet i have paid off {$4500.00} lets get whats really owed and whats not I feel i should get a lawyer but with debt this much who can afford one
Consumer complaint received 2024-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I asked each company for the removal of the accounts on my credit report as it is a violation of 15USC 1692c ( c ) which clearly states : " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication. '' Reporting to the credit agency is a form of communication.

The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent letters to each company on the XXXX XXXX XXXX  2024, explaining my situation. Each company responded with a letter to contact them, which I did and I have been given the run around.