davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services (TX)

I just got an alert from XXXX XXXX about a new credit inquiry on my XXXX report, which is always frozen. This fraudulent entity which I do not know, and already XXXX it to send a complaint from their website. The fact was immediately notified to XXXX, and will pursue a court case for identity theft, if they do not remove the inquiry.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have tried getting my Transunion credit report from XXXX XXXX XXXX for the last 6 months, every time I try it says it is unable to pull it up and that I need to fill out a paper request to send in or give them a call. I have had to call them multiple times to get my credit report. I have talked with different employees and they have said that their system must be down and then mails out my credit report to me. 

On XX/XX/2024 I got a notification from XXXX XXXXXXXX XXXX XXXX XXXX that my SSN had been compromised and was found on the dark web on XX/XX/XXXX XXXX XXXX XXXX uses Transunion to get their information. I have pulled my credit reports with XXXX and XXXX, I am just having a hard time trying to get Transunion. It is vital to get the credit report when needed, not have to wait a week or two to get it in the mail. 

XXXX XXXX was able to get me the name, address and phone number of the person who compromised my SSN. I was also able to get some more info from my XXXX account that the potential site says XXXX XXXX XXXX data. My other reports are fine but I am unable to check my Transunion report. It would be nice to be able to access my credit report every time without any hassle.
Consumer complaint received 2024-04-24
Product: Credit 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 (NC)

I had purchased tickets from XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX 2024, I purchased a refund protection plan with the tickets that guarantees my full refund if I decide to cancel for any reason the total amount charged to my credit card was {$140.00} and the festival is not until XX/XX/XXXX. I used the festivals refund option and went almost a month without a response. After that I went through the dispute process with Capital One as I purchased it with a Capital One credit card. I have uploaded documents proving that I was entitled to a full refund, I provided proof of purchase and the festivals refund policy information, yet multiple times Capital One has sided with the merchant ignoring blatant facts that the merchant did not uphold thier own written policy that is on thier site. Capital One told me that the merchant proved they provided the service they sold to me, however the festival isn't until XX/XX/XXXX and I purchased a refund protection plan, it is impossible that they provided the service, when the festival hasn't even taken place yet. I still have not heard anything from XXXX  XXXX XXXX they're clearly a scam or fraudulent business as they respond to the credit card companies but not the customers.
Consumer complaint received 2016-08-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I applied for a credit card for my business with Wells Fargo who denied me for incorrect reasons. I do not have a bankruptcy or collections under my name, Also no inquiries was made under my name. I monitored my credit XXXX and XXXX XXXX and no alert was posted on my account on XXXX/XXXX/16. So I do no really know where this information came. I want this incorrect information to be fixed, this cause bad reputation for me and my business.I do understand that financial institution can denied you but at least do not make false excuses.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OR)

I applied for the XXXX plan in XX/XX/XXXX via the federal website. In XX/XX/XXXX I called Aid Advantage to determine when it would be approved. I was then told I needed to pay {$5.00} dollars to have my account changed from the Income Based Repayment Plan to the XXXX plan. I did that then. I was not informed that I could be placed on admin forbearance and that the processing would take 30 days. I was placed on a self-selected forbearance ( with impact to my credit score ). I called back on XX/XX/XXXX to find out what was going on with my approval for the XXXX plan. At that time I was told I needed to provide additional information. I did so on the phone and was placed on an admin forbearance. I was told my application would be processed in 60 days. 

I called back today ( XX/XX/XXXX ) and was informed my application for the XXXX plan had been lost. Though the person I spoke to said, " There is no record of your application. '' This person informed me that she could " self-certify '' another application and that it would take another 60 days to be processed ( while interest accrues ). I asked why there was no record of my previous applications and she could not give me a clear answer. I then spoke to the manager, XXXX XXXX, who also could not give me a clear answer about what happened to my two previous applications as well as the supposed " self-certify '' in XXXX. He said I was now in the application process for the XXXX  plan and in administrative forbearance for the duration of the next 60 days. He also assured me I would be sent a letter with a record of our conversation as well as confirmation of the admin forbearance and XXXX  application via the self-certify. 

I don't think this level of lack of clear information is just incompetence. I think this is an intentional policy of Aid Advantage to get loan consumers to accrue interest while they delay the processing of XXXX applications. Currently, there is a note on my Aid Advantage account on the website that says my forbearance will end in 10 days despite the fact the supposed due date for my upcoming full pay ( as the XXXX application is still not processed ) is XX/XX/XXXX. XXXX could not explain why this is the case. Supposedly, I will get an email confirmation of my current XXXX application via the self-certification, though I doubt I will because I never got one before and I have XXXX confidence in Aid Advantage. 

How is this legal? I am sure many student loan borrowers are experiencing these intentional delays from XXXX XXXX in order to accrue interest. 

Thank you.
Consumer complaint received 2020-04-30
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 — Problem with personal statement of dispute
Company: Porsche Financial Services, Inc. (TX)

My wife and I both lost our jobs due to Covid19. So we requested a Forbearance only for 60 days under the Federal CARES ACT on XX/XX/2020 via telephone and I followed up with an email on XX/XX/2020. I was told not to worry you are approved by the customer service representative. I received a letter dated XX/XX/2020 stating were approved by Porsche Financial and were advised that our next payment would be XX/XX/2020. I have since then made my payments to bring my account up to date. However, Porsche financial has reported me 30 days late to the credit bureau. I disputed this with the credit bureaus and I called Porsche on XX/XX/20. They said that I was granted the forbearance after my due dates per the letter they sent me. I told them I was given verbal confirmation on XX/XX/XXXX that I was approved for a forbearance and this letter was sent after the fact as confirmation. The representative said there is nothing he can do. It is the way our computer system works. I am requesting this late mark be removed from my credit report. Porsche Financial is not following Care Act guidelines during this national emergency.
Consumer complaint received 2017-06-20
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. (SC)

I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.
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 (NE)

Payments to my loans are not being allocated consistently. Some months all loans get paid towards, other months only part of them have payments allocated. There is no indication that the interest rate is in fact adjusted as promised for paying using autodebit. Also because I am signed up for auto debit they are not sending billing statements that would show the periods balance and payment allocation from prior payments. An autodebit reminder does not provide the same level of detail as a billing statement should and it feels as though they are hiding something. I have emailed to see why I am not getting statements. I've called on prior issues and found I only get scripted responses that do not answer my questions. When my loans were placed in forbearance they did not notify me in a timely manor and when I asked why they were in forbearance they could not tell me why, despite there actually being several published articles explaining why. Customer service is abysmal and I feel I can get more traction filing complaints.
Consumer complaint received 2021-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. ()

On XX/XX/2020, I learned there were four medical debts sent to collections. The collection agency is I.C. System, Inc. I disputed the collections with XXXX, XXXX, and XXXX, because I was not aware of these medical bills. I have no information regarding this medical bills. Apparently, I.C. System, Inc, verified the debt with all three credit bureaus. 

On XX/XX/2020, I contacted I.C. System to find out why I have medical debts in collections. The medical debts total in over {$6200.00}. I found out they have a total of 6 debts in collections. I requested for itemized bill for the collection of over {$6200.00}. I.C. System refused to send me an itemized bill. They said I have to contact the original creditor. I.C. System is trying to collect on a debt I don't even know what it is. They should be sending me an itemized bill so that I can review it to find out whether I was charged correctly or not. Please contact I.C. System and have them either send me an itemized bill or have them immediately remove all medical debts from collections on all of my credit reports.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Y'all do n't have my address some one gave a fake address for me which is not mines mine is XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please contact me and correct this issue thanks in advance for your time. ....
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (AZ)

Rent Recovery Solutions is reporting on my credit report fradulently for XXXX XXXX XXXX. I 've contacted Rent Recovery Solutions and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Consumer complaint received 2016-04-17
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (MN)

Hello, i am the victim of identity theft. Several debit card accounts were opened in my name, from XXXX and Suntrust. i have never applied for accounts to those banks, I live in the midwest, those banks are elsewhere. I have contacted both companies, there are now fraud alerts on my name. My question is how could this happen, I believe there needs to be much better security questions on the front end, before cards are issued and accounts opened. PLEASE do something about this, my life is being impacted in a very negative way.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

This debt collector keeps contacting me regarding a debt that does not belong to me. They also keep adding interest to this debt. I sent them a certified letter on XXXX XX/XX/XXXX to the address that they provided me with in an email sent on XX/XX/XXXX asking them for the following information : XXXX. Creditor 's name and full address XXXX. Name of debtor of record XXXX. Full account number of debt XXXX. Amount of debt XXXX. Due date of debt XXXX. Original charge off or delinquency date XXXX. Explanation of how the debt was calculated XXXX. Name of collection agency or owner of debt, if applicable XXXX. Evidence that the debt is within the State 's applicable statute of limitation XXXX. Amount paid if debt was purchased XXXX. Completed and executed agreement, including signature pages, for the debt
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

Submitted multiple claims for XXXX, XXXX, and XXXX XXXX wrongful amounts being charged, got some provisional credits, but others have gone ignored. Was told all would have credit within XXXX working hours on recording. Nothing. So Im hoping this will speed things up, already submitted evidence to back my claims.
Consumer complaint received 2017-06-20
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: Experian Information Solutions Inc. (NJ)

There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2016-12-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Onity Group Inc. (NC)

i filed bankruptcy in XX/XX/XXXX and it ended in XX/XX/XXXX got letter from a debt collector saying i still owed XXXX on the second mortgage, i was told all that i still owed was XXXX but they are saying that this was interest on what was owed on my loan bankruptcy showed what was paid
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

Equifax ( myEquifax ) web site ( https : //my.equifax.com/membercenter/ # /login ) for adding and extending an ( Initial ) Fraud Alert does not work anymore. They do not provide the " Initial Alert '' option on their web site anymore and I can not extend my Fraud Alert using their service on the web. 

See the attached screenshot of their non-functional web page.
Consumer complaint received 2024-04-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (PA)

My payments are not being credited properly, I dont see them reflecting on the website and I have proof, I was also told that they would settle this for around XXXX but then told something different recently by another rep asking me to pay {$14000.00} which is more more than I borrowed given all the payments I have made. Please forgive the loan completely as I am tired of dealing with this company and paying this high interest loan which at this point they are just making a profit. I have had many issues with this company and their reps giving false and misleading information which I am now looking into getting legal counsel for potential lawsuit because of this and I have recorded calls as evidence.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (DE)

On XX/XX/17, I accidentally sent Citi Mortgage a {$620.00} payment, right before closing on XX/XX/17. I called CitiMortgage, who advised that the {$620.00} was rolled into Escrow, but my online account does not state this. I just received a breakdown of my escrow payments. It reads that on XX/XX/17, {$900.00} went into my escrow account, but does not break it down and state that it includes the {$620.00}.
Consumer complaint received 2024-05-03
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX, I secured a XXXX XXXX XXXX  via the website XXXX 
I received an email confirming that I would be renting the car for a total of XXXX {$200.00} under a section of the email titled " Price Breakdown. '' There were no additional details other than that total. For the record, I was heading home to care for a XXXX XXXX  relative and was under much distress. I arrived at the XXXX XXXX airport after a red eye flight from XXXX XXXX XXXX XX/XX/2024 and provided my XXXX voucher and signed for the car. I used the car for a week and returned the car after caring for my XXXX aunt on XX/XX/2024 to be shown a different amount by the XXXX front desk staff member. The new amount had an additional {$110.00} added so the new total was {$320.00}. I was shocked and with very little time to deal with the situation, I attempted to call XXXX customer service ( XXXX ) but was unable to get anyone to help me in the limited time I had to catch my departing flight. Reluctantly, I paid the XXXX amount but quickly filed a dispute with Chase XXXX. I also contacted XXXX 's customer service ( XXXX ) with the representative also unable to provide me with any recourse or resolution. Recently, Chase provided an update that they closed the dispute and concluded no credit would be given. I have talked with Chase 's dispute department ( XXXX ) today to further discuss the claim but they state they can not do anything more for me. I am frustrated and disappointed by the misleading information provided by XXXX and XXXX XXXX cars and even more frustrated that Chase will not intervene in these deceptive business practices. I have done as much as I can to advocate for myself and have definitely learned my lesson in using a third party website to rent a car. I am hoping CFPB will help hold all the businesses including Chase Bank accountable for these types of misleading business practices.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I believe Trans Union is committing fraud. I attempted to get my credit score from Trans Union today, but it noted that it costs {$0.00} ( cents ) to obtain a score. I proceeded to follow the process to obtain a credit score. 
After clicking the submit button, Trans Union 's website noted they were unable to process and provided a number ( XXXX ) to contact. 
After I called the number, a representative ( XXXX XXXX noted that obtaining a credit score would cost {$99.00}. I asked to speak to a representative. After speaking with a representative and refusing to pay {$99.00}, it was suggested to go through XXXX XXXX. 
I later discovered that my bank account was being charged each time I attempted to obtain my report. 
After calling Trans Union to dispute the charge, Tran Union noted the could not issue a refund. This appears to be corrupt and fraudulent from Trans Union.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I can not get in touch with anyone at Citizens Bank. 

I can only get hold of the people at my local XXXX NJ Branch. They keep saying they have contacted the corporate office, and that my 1099 int forms will come within 7 to 10 days. I have been hearing this since late XXXX, and heard it again this morning, XX/XX/XXXX. This is holding me up from filing my tax returns. 

The branch personnel say they can not get anyone on the phone over at Citizens Corporate. 

The number they gave me to call is XXXX. When called you will get put in an endless loop and be unable to speak with anyone. I would suggest you try this for yourself. 

Futhermore my user id and password have not changed. Sometimes I am able to login to my account and sometimes it gives me a response stating " Please check your username and password. If you still can't log in contact your Salesforce administrator '' No phone number of way of contacting the Salesforce administrator is given. 

This is random and makes absolutely no sense. I would like to be able to contact someone over at Citizens for status of my 1099 int tax forms and also for a resolution to their website issue. 

Please help!
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lac Courte Oreilles Financial Services II (MD)

When I initially signed up for the loan I asked to borrow {$3000.00} and was approved for it. The company instead gave me {$2500.00} with a finance charge and then another {$500.00} with another finance charge and told me I could end up paying up to 299 % and I stated that I thought that was too much and would not pay that and wasnt going to sign for that amount and I didnt. 

I just happened to look at my paperwork and noticed that they are charging me 299 % interest and that is not the document that I agreed upon or signed and when I spoke to a representative, in XXXXXXXX XXXX  ( I want to say her name was XXXXXXXX XXXX I can not find my notes ; she stated that is what I signed, and I looked at my original contract and that is not the case. 

I also went online and now there is a document that they want me to sign I guess so that they can state that I agreed to an amount that I never agreed to and I want the overage of my funds, as that type of practice is deceptive.