davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NC)

I called Sallie Mae on Thursday, XX/XX/XXXX, I waited almost and hour and half before I spoke to a live agent. After a one minute conversation with an agent I was transferred to a department that was closed and the call was disconnected. I called back on Friday, XX/XX/XXXX and told I was ineligible for forebearance, I had to keep automatic draft in order to remain enrolled in their hardship program. I was informed that if I took forebearance or took away automatic draft to prevent overdrafting my account I would not be able to enroll in the hardship program and my monthly payments would be {$4000.00}. I was informed that since sallie Mae is a private, they do not do income based repayments which is setting people up for failure!!
Consumer complaint received 2020-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TX)

Franklin Collection has harassed me and added illegal information about owing a debt in the amount of {$170.00} to my credit reports. I have never made a agreement with this company for this service. As recently as XX/XX/2019, when requested documentation under FACTA law, I was ignored. I was provided no agreement, contract, or sufficient documentation in order to validate this debt as mine.
Consumer complaint received 2020-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I have a motorcycle loan with Fifth Third Bank and recieved a call on XX/XX/XXXX about a late payment even though I have never recieved ANY mail, loan docs, or payment request from them. On XX/XX/XXXX I paid two months ( XXXX and XXXX ) and put my account on autopay. On XX/XX/XXXX I get a notice my credit score has changed - I look via my Platnium XXXX XXXX view and it shows a deliquency from Fifth Third Bank yet I have recieved NO letters from them alerting me of this and only ONE missed call from them on the XXXX. They made almost zero effort to alert me of this situation which was a measly {$100.00} payment. Today XX/XX/XXXX I called them and they show my autopay is setup but the payments did not go through and they can not do anything about the deliquency. I paid 5 months at once today to bring my account two months ahead and rescheduled autopay. Fifth Third made no apoligies and no effort to rectify this situation. My credit history is impeccible with zero late payments in the 15 years I have had it established and now I have a deliquency on my account due to Fifth Thirds lack of communicaiton. Again, I have not recieved a single piece of mail from them and do not even have copies of my loan documents. 

I would like to have any negative marks removed from my credit history. Please let me know how this can be accomplished.
Consumer complaint received 2020-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX I was phished for a Chase Quick Pay scam. The seller coaxed me into sending him a partial payment for a product he was going to deliver to my address. I agreed to use Chase Quick Pay as it was a product that was integrated into my banking app, making me believe it was a secure platform that would allow for disputes in the case of fraud or services not rendered. Throughout the course of the transaction, I was never once prompted with a disclaimer that there was no fraud protection on their platform, additionally, I was never prompted that this was a third party platform not connected to Chase, even though it was part of my Chase banking app! I have been a customer of Chase for over 10 years, and can't recall receiving any detailed information from them regarding the safety of the Chase Quick Pay platform and its vulnerabilities to fraud. On XX/XX/2020, I Chase Quick Pay the seller {$120.00}, and contact from them stopped. They were never able to provide me with a tracking number, and have since stopped responding to any of my communications. When I spoke with a Chase representative at my local branch, I was told there is absolutely nothing they can do, and that there is no fraud protection associated with Chase Quick Pay. They noted that in the fine print it says to double-check the recipient you are sending too, but that is really all they could advise.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (NY)

I am attempting to close my checking account with M & T Bank. On XX/XX/2020 I spoke with a representative from the bank on the phone who told me they could not close my account. I needed to write a hand-written letter to a specific branch, but they could not tell me what branch that needed to be. 

The account charges me {$14.00} each month which I no longer wish to pay and I simply want it closed and the charges to stop. They claim that due to the outstanding balance of {$6.00} it can not be closed.
Consumer complaint received 2020-01-04
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. (NJ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have been disputing these accounts for a long time now and all I wanted is to have these accounts removed from my credit report. 
XXXX FORMERLY XXXX ACCT # XXXX XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX I have tried to fix this problem multiple times and told them to validate these accounts and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not, and, they will say my file has been updated with no sign documents showing me proof that the debt belongs to me. I am so sick and tired of credit bureaus releasing inaccurate information about me without proof that the accounts belong to me.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (AZ)

Signed agreement with Wyndham XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX with Section stating You may cancel your Agreement without any penalty or obligation within ten ( 10 ) calendar days after the date you sign your Agreement or the date on which you receive the last of all documents required to be provided to you, pursuant to Section 721.07 ( 6 ) Florida Statues, whichever is later. Upon research, there is no Section 721.07 ( 6 ) of FL Statues thus entirely misleading. We did cancel sending by notarized & registered letter on XX/XX/XXXX within 10-day requirement of receiving official copy of agreement. However, Wyndham nor Wyndham Plus would not recognize ( along with Barclays & XXXX XXXX XXXX ) issued at contract signing with Wyndham XXXX. Further problems followed ( even though canceled contract, each bank started charging interest & late fees even though we were officially not members as per cancelled contract not eligible for any services nor using any. What Wyndham does is wrongly state in contract require 120 days to consider cancellation, finally issuing cancellation officially accepted. Meanwhile, Credit Cards only allow 60 days then charge interest & late fees from day one of contract. Thus, reported to credit rating agencies lowering credit score every month until settled. In fact, subsequent letters to Credit Cards by notarized & registered mail are not even acknowledged or answered! Credit Agencies were notified but answered Credit Cards indicate valid charges so do nothing! This disconnect in contract times to respond is a crooked scheme ruining credit scores for consumer as well no refund of  interest & fees paid. Wyndham finally sent letter accepting rescinding contract on XX/XX/XXXX with repayment of principal paid a week later. Meanwhile, Credit Cards continued to charge interest & fees on interest & fees overdue ( double illegal  charges ) which we finally paid off on XX/XX/XXXX. Barclays charged in XX/XX/XXXX total fees {$240.00} & total interest {$240.00} while XXXX   charged total fees {$140.00} & total interest XXXX - all illegally! While credit rating agencies will not accept our request for redress of false reduction in credit score. PS ; We have all documentation if required.
Consumer complaint received 2020-01-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (TN)

XX/XX/XXXX I made a phone call to complain about the mortgage company running my credit without my person. I was connected to a manager as I was made to understand. 

I started to explain my issue to the " manager '' but they kept interrupting me ... at one point when I told them the issue I have heard with my credit because of the multiple inquiries he said " Because your credit is really low? '' after they made the comment they said I was difficult to help and hanged up. 

That statement was hurtful and made me feel discriminated based on my credit and my origin because I happen to have an accent.
Consumer complaint received 2020-01-04
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: CITIBANK, N.A. (RI)

Hello, I have filed a complaint previously about CITI bank and the fraudulent charges that appeared on my account in XXXX and XX/XX/2019.CITI bank responded to this complaint stating that all fraudulent charges on my account would be cleared or refunded. Regardless of this statement CITI still trying to charge me for the same fraudulent charges that I clearly didnt make.I have started this dispute with CITI in XX/XX/2019, but CITI doesnt seem to be cooperating with my complaint and continuously restarting the dispute or claiming that they will complete some sort of audit. This had been done many times at this point and Im losing patience. I dont understand why I have to pay for the charges that I didnt make! This is clearly a robbery by a credit company whose security failed and now consumers have to deal with it. Once again, I am asking to clear all fraudulent charges on my account. I dont have any legitimate charges on this card because its a brand new card and all charges I have on it are fraudulent. I completely disappointed about the lack of professionalism from the CITI bank. I also have a perfect credit history and my reputation has been perfect with all of the credit companies including CITI. I have been a loyal customer with CITI for a long time as well and Im very displeased how Im being treated now. The fact that Im being charged for fraudulent charges goes against the federal laws such as Fair Credit Act.  Please help me to resolve this issue as soon as possible.
Consumer complaint received 2019-08-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (TX)

XXXX called and said they were looking for my mom because she was being sued XXXX called again with the same threat XXXX called again with the same threat XXXX called again this time with actual payday loan history and threatened again. My mom paid {$150.00} and made payment arrangement XXXX called again with same threat and said agreement was voided due to my mom breaking it? She hasnt spoken with them since the XX/XX/XXXX. 
XXXX called again and said this matter is not going to go away on its own. 
XXXX continued to call repeatedly. 
XXXX continued to call repeatedly and threaten that this will be used in court. 
XXXX called again and said this matter is not going to go away on its own, left voicemail threatening that this matter is not going to go away on its own and the ignored calls will be used in court and make me lose.
Consumer complaint received 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AZ)

I have been working with FedLoan Servicing since XX/XX/XXXX to calculate a reasonable repayment plan for my student loans that total {$120000.00}. FedLoan has insisted that through an IDR plan I should be able to make a monthly payment of anywhere from {$1200.00} a month to {$700.00} a month - this is unreasonable. It is pertinent to know that my loans were consolidated in XX/XX/XXXX. This recent fall I worked with XXXX XXXX to better understand my repayment options with FedLoan. XXXX XXXX has indicated that it is best to use an IBR plan, which was never suggested by FedLoan, to make a monthly payment of {$270.00} a month. This is a reasonable payment. I submitted the paperwork for the IBR in XX/XX/XXXX and did not hear back from FedLoan in the time period they stated they would share the results. I contacted FedLoan on XX/XX/XXXX to learn that I was expected to pay a {$5.00} fee to opt out of the IDR plan to be considered for the IBR plan, which was not communicated to me, but I was informed that this requirement was stated on page 6 of the application in small, light gray font - nefarious. Yesterday, XX/XX/XXXX, I received notification that my IBR plan is two monthly payments of {$270.00} and {$450.00} a month and now my loans are no longer consolidated. There is DLSCNS loan program and a DLUCNS loan program now on my account - none of which has been explained to me. II also want to note that I am not able to download documents previous to XXXX as FedLoan has made the documents unavailable in my FedLoan inbox. I need help working with FedLoan to get to a monthly payment that I can afford. I have been XXXX  in XXXX XXXX XXXX  for XXXX  years, I have made many attempts to work with FedLoan to make reasonable monthly payments with no success.
Consumer complaint received 2020-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (SC)

All 5 of these derogatory " medical bills '' are either false, or they would've been paid by NC XXXX. During those years, I had dozens, maybe hundreds, of medical bills. But MIRACULOUSLY, only these few weren't paid by my XXXX. If you pull my medical records from this time, you will see all the hospital visits at XXXX XXXX in XXXX, NC. NC XXXX covered all of them. So, either they have been paid, or this is derogatory fraud!
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

" I.c. System, Inc. '' has attempted to collect a debt in the amount of {$520.00}. 

I do not owe the debt. 

I never received notification that attempts to collect a debt were going to be made. 

I discovered the attempt on my credit report. 

I reached out to the company within 30 days requesting verification of the debt. I informed the company that if they did not immediately cease collection attempts before providing written verification they would be in violation of the Fair Debt Collection Practices Act. 

The company did not comply with providing verification, and has made 2 additional attempts to collect on the invalid debt. The company is in violation of the Fair Debt Collection Practices Act due to continuing attempts to collect without providing written validation.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/19 I showed I had a balance of $ XXXX I transferred {$210.00} to my personal checking account. Left me with a balance of $ XXXX. First thing Friday XX/XX/19 I got an alert my account was negative. Checked it. I had been charged a {$35.00} overdraft fee. I called and the rep could not give me an explanation as to why my account was now negative by {$2.00} when at XXXX before I went to bed it had $ XXXX. There are 2 transactions still processing but not finalized, but those where still processing yesterday XX/XX/19 as well. If my account was negative XX/XX/19 I wouldnt have been able to transfer over money at XXXX. I never saw my account negative so I never had a chance to make it positive to avoid the fee. This is sketchy and borderline fraud if they wait til XXXX to left my account go negative and then charge me a fee for something out of my control.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (MS)

During the time I had XXXX the services continued to be disconnected during weather the internet phone and cable continued to stay off I got so frustrated I returned all equipment and waited for a credit due to the services being more off than on. They advised once I return it I would receive a credit as of today 's date that has never happened. All equipment has been returned as I was advised but XXXX never gave the final bill nor the credit that they advised that they would for their services being more off than on.
Consumer complaint received 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION, I AM NOT REQUESTING THAT YOU REVALIDATE, OR REINVESTIGATE MY DISPUTED ITEMS. 

I am submitting this compliant as you have failed to provide me with a description of the procedures you used to determine the accuracy and completeness of your investigation ( s ) of my disputed items, even though I previously requested this to you three times, in writing, in letters you received from me on ( per USPS Certified Mail tracking info ) : XX/XX/19, XX/XX/19, and XX/XX/19. 

Each time you responded by sending me another copy of my credit report, with simple notations that my items were again validated or updated. That is NOT what I was asking you to do. Again, those letters clearly included requests for you to provide me with a description of the procedures you used in your investigation of my disputed items ; which you did not include in your responses. 

YOU ARE IN VIOLATION of Section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act ( FCRA ) which states that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, AND that this must be provided to the consumer not later than 15 days after receiving a request from the consumer for that description.

Unfortunately, the time has passed for you to be compliant with this request. The disputed items must now be DELETED from my report immediately or I will be forced to take legal action.

Attached to this complaint you will find copies of the last two letters I wrote ( and referenced above ) requesting description of procedures you used to determine the accuracy and completeness of your investigation ( s ), as well as copies of the USPS Certified Mail tracking receipts for said letters.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NRA Group, LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

I attempted a transfer from my checking account, by scheduling it for XX/XX/2019 in advance. Over a week later, I noticed the transfer had not occurred and there was no record of my transfer when I logged into my account. I tried submitting a new transfer, but the system would not let me schedule any transfer that would cause my account to drop below a balance of {$5000.00}. Upon reaching out to the bank, I was told there was a hold on these funds, which I had deposited at account opening over TWO MONTHS earlier, and that there was no expiration date for the hold on the funds. The agent did not attempt to solve the problem. 

It is completely inappropriate, against policy, and possibly illegal for the bank to have an indefinite hold on over {$5000.00} of money in my checking account. According to the bank 's Regulatory CC Disclosure, these funds should be available for withdrawal/transfer by the second business day.
Consumer complaint received 2020-01-03
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.