davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a few credit cards with Bank of America. Every month the Closing date changes and I'm having difficulty trying to make sure that I pay my cards on time. I have a few other cards and I schedule them to be paid on a specific date each month. BOA is the only company that changes the Closing date each month and I never know when my credit cards are due. 

As an example : the closing date for XXXX was XX/XX/21 ... but the Closing date for XXXX is XX/XX/21 ... that's only a 25 day period. It seems like interest charges are calculated on the 25 day period instead of a 30 day period ... Is that even legal? ... seems to me to be usurious ... 

Why does BOA change the closing date every month when no other banks do so? 

From speaking with a representative I was told that a lot of customers have the same issue. It seems like this is a ploy by BOA to confuse their customers so they can collect Late Fees. I know that might sound outrageous/crazy but if the closing date floats then how are customers supposed to know when their payments are due? ... Further, why is the closing date less than 30 days? ... I don't even get 30 days to make a payment ... 

Something is very wrong with how BOA is operating. I don't know if what BOA is doing is legal .. Maybe I'm wrong about this but it seems like BOA is defrauding their customers. It's customary in banking to allow for 30 days to make payments ... I'm sure BOA makes a lot of money on those extra 5 days.
Consumer complaint received 2021-07-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (NY)

My lease was up with GM Financial on my XXXX XXXX in XXXX of XXXX. At that point, COVID was at the height. You couldnt get a new car and I was an essential employee so I needed a vehicle because I had to go to and from work every day. They were sending out email, which I have copies of, that were offering extensions due to COVID. Basically it was on a month by month basis. During the time, I was paying the lease in full. I wasnt deferring the payments or anything. I was paying to use the car because I needed to use it. 

Fast forward to XXXX of XXXX. I finally was able to go get a new lease and turn the old one in. About 3 months later in XXXX I believe, I got a letter saying I owed money because I went over the allowed miles. When I called to dispute this I was told while my lease was extended, the miles were not. The person told me you have to separately ask to extend the miles. I explained why I needed the miles and couldnt understand why I would extend a lease without extend the miles. Why would I pay $ XXXX a month to let something sit in my driveway? They said that didnt matter. I was also told this was only waived for Doctors and Nurses which was insulting because I run a business that was just as essential during the pandemic and worked pretty much 7 days a week for 3 months. I was transferred to a supervisor who said nothing I can say will change this and I owe them the money. There is no way they are waiving the fees. 

I am now having issues with my credit and XXXX the problems is this bill. When I called them today, the woman on the phone wouldnt budge again. Claimed I " assumed '' wrong to think the miles would be extended with the lease. I asked if there was anywhere it said the miles dont get extended and she wouldnt answer. Just kept telling me I assumed wrong. Im pretty sure no one would think that in extending a lease, which INCLUDES miles each month, that those wouldnt be a part of it. I have emails they sent out where they offer to extend leases with no problem and nowhere in the email is it mentioned that the miles are not a part of it. I think its sneaky and shady of them to not mention that because I think most people wouldnt even think of it. 

I reached out to a lawyer today and it was recommended I send a complaint to CFPB. Ive attached the two Emails they sent at the start of COVID. Youll notice they gladly offer to extend the lease but nowhere do they mention you have to extend the miles.
Consumer complaint received 2021-07-12
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: NAVY FEDERAL CREDIT UNION (NY)

I'm a victim of identity theft. I disputed " membership '' charges as well as credit card charges for two credit card accounts that were fraudulently associated to me. I have no knowledge of the transactions, and can attest to the fact that I did not apply for nor use any credit given to me by Navy Federal Credit Union. 

They have failed to provide me with any proof that I ever opened any accounts with them. They have further failed to provide me any details as to how they came to the erroneous conclusion that I am responsible for the transactions that occurred. 

I have provided them with a police report and multiple dispute letters. 


Please advise on how you can assist me. Thank you.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Submitted disputes with XXXX, XXXX and TransUnion : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through identity theft.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (AZ)

I started receiving a call from a company by the name of National Credit Adjusters. They kept asking me for my DOB and social. I would not give it them as I did not know if it was a scam. They would not tell me what the matter was about. They continued to call me and we went through the same thing over and over again. I finally had an attorney speak with them on my behalf when they called again. My attorney specifically told them that she was representing me and asked that they speak with her. They still refused to provide information. She specifically asked them to send her something to her email or address. They refused to send her anything. Rather, they said they would mail a letter to me and it would come in a blank white envelope. I never received a letter. 

This morning, I was notified by XXXX that this company has now placed some account on collections on my credit report without even discussing with me or my lawyer. I have not debt whatsoever that could even possibly be in collection - I used to have old debts but they were all XXXX in my bankruptcy in XXXX. Since that time, I have not accrued any debt. Whatever account they supposedly have can not possibly be mine. In fact, I just ran my credit report just a couple weeks ago and there were no outstanding debts showing. 

Had this company worked with my lawyer as I asked, possibly the matter could have been resolved. Now my credit is at risk. I would think this is fraudulent debt collection practices. They refused to speak with me an refused to send my lawyer information at her request. She even gave them her state bar number. 

My attorney called and spoke to XXXX XXXX this morning and asked to speak to the legal department. She asked for their direct legal department. The only address they would give her was the main address. She asked for an email to the legal department and they would not give her XXXX. They only provided an email to the general mailbox. She specifically asked for a phone number and he gave her an extension. She specifically asked if that was the direct number to the legal department. She specifically asked that if she called that number, if she would reach an attorney and was told yet. She was lied to because when she called the extension, it was only the general customer service department again. She was transferred somewhere and got a voice mail and left a message but XXXX has called her back. She tried back and spoke to someone by the name of XXXX XXXX from the " pre-legal ' department? She finally told my attorney what this was about and sure enough, the debt is a fraudulent debt that occurred in XX/XX/XXXX that we had previously spoken to XXXX about. We will have to deal with the indentity theft issue again but when my attorney brought up the issue of the way the issue was handled and asked to speak to someone in the XXXX department, the company would not give her the phone number. I do not even know if this company has a legal department.
Consumer complaint received 2021-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I recently submitted paperwork verifying my employment at a nonprofit organization to FedLoan after being moved to them upon request for PSLF. My initial verification for my previous non-profit job only shows 4 months of confirmed employment, but I was employed with this organization for 10 months and then moved to another nonprofit. My applications show this to be the case, but every time I contact their customer service ( through email, online chat, and calling ) I get a different answer on how to solve the problem, from submitting a new application to the wrong person signed it to the phone number missing from the application ( it wasn't ). I resubmitted the application, and now I am told it can not be digitally signed even though there is no digital signature for the application. I am at my wits end and have received no help that will actually solve the issue of the missing months of service with this organization. No wonder so many people don't get the right information about PSLF since its probably the most complicated system to verify regularly. I have to submit my tax information to be approved for IBR and PSLF, and it's the same EIN for the same employers on both my taxes and loans, so why does this have to be so complicated?
Consumer complaint received 2021-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

I was sent a collection letter on XX/XX/2021 attempting to collect a debt of {$230.00} from CBB ( California Business Bureau , Inc. ), ( attached ) and replied with a with a personal dispute letter on XX/XX/2021 ( attached ) stating that I do not owe the debt and I was requesting supporting information. 30 days passed and I did not receive a reply nor was I contacted in any way. I was then contacted via telephone on XX/XX/2021, nearly 4 months later ( screenshot of call attached ) from XXXX XXXX XXXX , XXXX attempting to settle the same debt. I explained that this should not be a debt owed and that I had requested, in writing, the supporting information back in XXXX and never received anything from the agency and the service caller quickly hung up. Now, I have just received another collection letter from XXXX XXXX XXXX , XXXX with the opening line stating that the requested information is enclosed and it is only a statement of charges, not a breakdown of charges or any supporting information. I do not owe this debt and have been attempting to resolve this accordingly and these agencies are not following the legal protocol and are only using aggressive measures in an attempt to bully/harass me into paying this debt that I firmly deny. I would like to submit a formal complaint and have these two agencies held accountable for harassment and failure to collect a debt legally.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BSI Financial Holdings, Inc. (CA)

I was being charged almost double i of my monthly payment I reached to them by phone to resolve the problem so many times and was not fixed in the meanwhile I was told by a rep of the company not to pay tha whole amount but my regular payment a week apart from the date I contacted them and I told the lady that doing so i was going to be late with my payment and she said that it was no problem and she would fix that, the day of the payment came and I paid my regular payment and the issue was not being resolved by the issue about the extra money they were charging me was resolved they had put me in the 30 days past due and reported me to the 3 credit bureaus and I have being calling he rep who told me that with no success and also calling another members of customer service with no answer to my problem, I need that 30 day late payment to be removed from my credit report since it was not my mistake nor my fault of the moneys that they were charging me, please intervene in this problem that I have with this company and it is affecting my credit<hope to hear from you soon Regards XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (WA)

Called XXXX to close account with XXXX and XXXX XXXX XX/XX/XXXX. They advised that XXXX timeshare opened the credit card in my name. I never gave them permission to apply for a Credit Card. I was there for a Timeshare presentation. Was not advised that there is any Credit Card Approval. Received Credit Card in the mail. They also signed me up for a XXXX XXXX Credit account without my consent. Credit card Acc was XXXX.
Consumer complaint received 2021-08-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EdFinancial Services (TN)

I was contacted the end of XXXX and first 3 months of XXXX by XXXX ( XXXX XXXX ) on several times through mail, email, phone calls. XXXX and another person by the name of XXXX XXXX stated that my student loans are due and that i had to take immediate action. They stated that they were working with the Department of Education and they had a lot of my information on file including personal information to make me believe they were a legit company. so that had me to sign XXXX XXXX documents to charge me {$290.00} three times which equal close to {$1000.00} also they were expecting to take {$39.00} a month. and said they were transferring my information to XXXX student loans. i ended up getting in touch with the correct people from the Department of Education and they advised me to close my account because i was being scammed. i closed my account and tried contacting XXXX for a refund and i got no calls back and can't contact them anymore.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/2021, Bought Euros to Branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I went to window of XXXX. I told her I wanted to exchange Euros to Dollars and deposit. She called in XXXX. 
XXXX said today 's rate is XXXX Dollars for each Euro and I would receive XXXX Dollars for each Euros. I asked if there was a fee for the exchange and she said the bank doesn't charge a fee. I was happy. 
After pushing the green button to deposit funds, I noticed the amount of dollars didn't equal what I was told ( promised ). I have the receipt and the rate I actually got was XXXX per Euro. I asked why the difference and no one could answer me. I said " Well that's how the charge me I guess, but I'll have to look into it on Monday ''. I called today Monday the XXXX of XXXX and spoke to their horrible " manager '' XXXX, a woman clearly not interested in helping me solve my issue and with a great deal of smug attitude. She actually hung up on me because I used the XXXX word twice. As if she never uses it. Whenever one says " Don't use foul language '' I take it to mean " I don't want to talk to you ''. It's malarkey. So after calling back XXXX would only take my number and said she didn't like talking to me because I was loud. I lost {$500.00} due to her staff or her bank and I have a right to be upset and loud. I was told a senior staff banker would call. I'm waiting for that but I seriously doubt any good will come of this as XXXX made it clear " I can't do anything about changing rates and it was 'probably ' just our fee '' I don't want " probably '' in the answer. I want to know where the other money I was told I would receive, is. Please have them deposit difference of XXXX dollars per euro ( the price Chase Bank promised ) with no fee and the XXXX price. Thank you.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX  verified, which XXXX XXXX does not show any bankruptcy on my credit file. they have lied and said the court house told them I have a bankruptcy, which is a LIE and wrong, because the courthouse sent a letter saying i do not. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. I am getting really frustrated by XXXX  lying about this constantly. 

there is no authorization needed. they have to stop lying and hurting my credit. this is wrong
Consumer complaint received 2021-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: POPULAR BANK (DE)

I have been trying to close my account and I was assessed XXXX  monthly service fees of XXXX. I was told to bring my balance to above XXXX and the fees would be reversed. I have called twice and they have not been waived and I have been assessed another fee. I shouldnt be required to put money in an account to have fees reversed.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (TX)

I already filed a complaint related to an equipment lease from years ago. The complaint was resolved and US Bank said that they accept {$1200.00} as a buyout for the equipment that we accidentally gave to the maintenance company instead of the leasing company at the end of our lease. 

I do not know how we ended up in this contract as it was not signed by an officer of our company. It appeared to be signed close to a decade ago by a regional manger during a time of limited corporate oversight. We continued to honor our supposed commitments under the contract and made payment despite concerns about it's legitimacy. The contract ended and we attempted to return the equipment to the lessor, but mistakenly returned it to a 3rd party that disposed of it. 

I explained that we could not return the equipment to the lessor and they said that they could accept about {$1200.00} for a lease buyout. I expected to receive an invoice for {$1200.00} but instead received one for $ XXXX as if the lease is just going to continue forever.
Consumer complaint received 2021-07-12
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: Experian Information Solutions Inc. (LA)

XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember in XX/XX/XXXXa collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX  SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas BBB and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them.
Consumer complaint received 2022-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

In XX/XX/2021 we applied for a HELOC at PedFed under my husband 's name, XXXX XXXX and we were offered a {$110000.00} line of credit. PenFed ordered a 3rd party drive by appraisal that came in at XXXX. 

We decided to wait and file our taxes with less deductions, pay off our truck, and I also received a {$40000.00} salary increase when I changed jobs. This month we reapplied for a HELOC at PenFed under my XXXX sounding name, XXXX XXXX, and our house was valued at {$360000.00} using the same PenFed appraisal process. I find it hard to believe that our house value dropped that considerably and the documents don't support the market going down in my area. 

We were offered the exact same loan amount this time despite my higher salary, less debt, and less deductions taken on taxes. 

I believe this was because instead of the white, male sounding name by XXXX name was discriminated against. 

When I contacted PenFed to get more information regarding the discrepancy I was responded to in a rude and dismissive way. The woman who took my call was named XXXX, I didn't catch her last name.