davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Merchant Account : XXXX Name of the credit card company : XXXX Bank Name : Bank of America Merchant Services On XX/XX/XXXX, Bank of America Merchant Service Manager ( XXXX XXXX, XXXX, mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX FL XXXX ) sent me letter via XXXX stating XXXX has imposed {$25000.00} fine to protect XXXX 's XXXX XXXX XXXX XXXX. Bank of America MS has already debited more than {$6000.00} from my business checking account. <P/>I have requested Bank of America ( BAMS ) to ask XXXX to provide evidence for which XXXX alleges that I have been engaged in selling controlled substance by our company website. I sent my request on XX/XX/XXXX via USPS Priority Mail to provide any information that proved that I am involved in such activities. They have not responded. In XX/XX/XXXX letter BAMS further informed that I have to pay {$5000.00} to XXXX, if I have to file an appeal to XXXX. <P/>I am a very XXXX XXXX owner and I have no resources to file a law suit against giants like BAMS and XXXX. I am a very honest person and I have not sold or purchased any controlled substance in any manner. I would request your support in this matter urgently.
Consumer complaint received 2017-06-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (UT)

OnXX/XX/XXXX I did an early buyout on my XX/XX/XXXX F-150. On XXXX XXXX, Ford still took the payment out of my account but this was normal since I was so close to the billing date. I contacted Ford Credit on or around XX/XX/XXXX and was told that they would send me a check for the XXXX dollars. On or aroundXX/XX/XXXX, I still had not received payment so I contacted Ford Credit again. They claimed that the dealership had not made the last two payments so I still had one more payment owing. I contacted the dealership and they were able to show that they had indeed paid the last two payments. The dealership contacted Ford Credit and then called me back and said I should expect a check. OnXX/XX/XXXX I called and was told that I would be receiving a check for XXXX dollars due to excess wear and tear ... .I bought the vehicle outright and the dealership had sent the excess wear and tear waiver at the time I bought it but Ford Credit wo n't actually talk to the dealership and wants me to do all the work even though it is their mistake.
Consumer complaint received 2017-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

Hello, I just hung up with Navient, again and they were not helpful in understanding my questions. I am trying to understand how my loan with them started at {$36000.00} in 2002 and is now {$51000.00} while I have paid {$26000.00} over the life of the loan and it has n't even made a dent ... instead my loan has increased?? I asked for help and was offered another forbearance ( which I recognize I have used too often but seemed like the only option but it just makes the loan longer ). I make " too much money '' to qualify for anything but not enough to pay this off and I do n't work in any of the industries that allow for forgiveness. How am I ever going to get out of this? The last person I talked to this morning said my only other option was to enter a forgiveness program that would mean another 25 years of the loan, I would be XXXX years old at that point and would most likely have student loans for my XXXX kids. Can you help at all? I want to do my part but paying into this loan balance does n't seem to help actually pay it off. I appreciate anything you can do or any advice you can offer. Thank you so much, XXXX
Consumer complaint received 2017-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion, XXXX and XXXX has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each  company involved. XX/XX/XXXX/2017 - XXXX XXXX XXXXXXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX  ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX inquiry date ALL onXX/XX/XXXX/17 -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's Transunion , XXXX and XXXX has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX XXXX when I came in as I am trying to buy a house, OnXX/XX/XXXX XXXX, XX/XX/XXXX they ran with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX - XXXX from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AL)

I have never entered into any contractual monetary agreement with Midland Credit Management. They are stating that I owe them {$1300.00}. I have never had a wet signature contract with them. I am seeking to get this removed as I do not have a contract with them.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Last Friday ( X/XX/2017 ) I went to a Bank of America located in XXXX XXXX XXXX Florida. I asked to withdraw XXXX to make a purchase from a private party and the teller told me that I could only withdraw XXXX. I had over XXXX in my checking account. I let the teller know I 'm actually a Vice President for Bank of America and I 've never heard of such a policy. <P/>I would not keep so much cash on deposit at Bank of America if I knew that I could n't get it out when I need it. Someone brought me into a Merrill Lynch marked office after the teller said he 'd get someone to help me. I 'm a ML client so I was hopeful that the Financial Advisor would be able to help me but it turned out that I was talking to the Branch Manager who was illegally working out of a Merrill Lynch office which is clearly against Bank policy. <P/>The Branch Manager " XXXX XXXX '' told me he could only let me withdraw XXXX. I ask him to give me an explanation of why I can not withdraw my own money and he told me since I work for Bank of America I should know what the policy is. I vehemently protested to the idea of limiting my teller withdrawals and if this was the case it would need to be disclosed properly to the consumer. <P/>I asked to see this supposed policy in writing and the Branch Manager refused to show me anything in writing. I let him know that this was a major offense and a breach of contract that I do not take lightly. I asked him how to submit a formal complaint against him and once again he tells me that since I work for the Bank that I should know how to complian against him. <P/>I ended up withdrawing XXXX since I had no choice and I immediately called the Bank HR department to complain. Bank HR forwarded my call to XXXX XXXX XXXX XXXX who they claim is an independent 3rd party. I have good reason to believe that XXXX XXXX XXXX XXXX is actually a associate for hire that is paid to hide and even to suppress complaints. It has been 3 business days and I have still not heard back from either Bank of America or XXXX XXXX XXXX XXXX. <P/>I have been on a medical leave of absence for a few months and prior to going on leave I tried to report several compliance violations that I 've witnessed while working for Bank of America. I was treated very rudely by a XXXX XXXX XXXX XXXX Supervisor and I luckily have a recording of the whole 3 1/2 hour phone call since the first Rep. I talked to gave me her permission to record. <P/>At this point I have no choice but to seek legal action on behalf of all the other employees and consumers that are being wronged by Bank of America. I would like to hear from someone in your organization to discuss these matters in greater detail. I am hoping that the CFPB will be able to help bring light to these matters.
Consumer complaint received 2017-06-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Interstate Recovery Service, Inc. (TX)

XXXX XXXX XXXX had contacted me during my work hours I spoke to a young lady offering a a gift card for {$250.00} and I will receive magazines and can cancel any time. She then transferred my call to another representative that took my mail address. I never received the gift card but I did their magazines. They withdraw {$50.00} on XX/XX/XXXX through XX/XX/XXXX off my Checking account. I had recently moved from my original address and did not pay much attention with the plan to cancel the magazines. When I tried to cancel on XX/XX/XXXX they refused to cancel my policy saying they had send me a notice of renewal and since I did not sign they automatically sign you up for a year contract without my consent!!! I tried to explain that I moved and was not aware of the notice and tried to cancel with no success. I contacted my bank on XX/XX/XXXX to stop payment. The Bank also tried to contact XXXX XXXX XXXX to cancel payment and they were very rude not only towards me but to the Bank Representative refusing to cancel.My bank did warn them they will stop payment and they will be recorded as well of the conversation if they withdrew any more money from my account they will take action. Since than I keep getting harassed phone calls and mail by the company and recently a debt collector to collect the full amount of year contract. I need a resolution to stop this company, read reviews on line and I 'm not the only victim of this company.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I recently transferred my student loans from  XXXX  to  XXXX , since I qualify for the federal student loan forgiveness program due to my military service.  Two  months went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  stating  XXXX  would contact me about when it was time to submit payment. My  credit score then   dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  XXXX  website, I was able to make payment for the two months missed.
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NV)

I received a promotional ad claiming I would receive {$250.00} if opened a checking account and followed the terms which I have met all the requirements of. I have since been into a branch around midXX/XX/XXXX where they confirmed I qualified and that the funds would be deposited to my account. After waiting 2 weeks and still not receiving my promotional {$250.00}, I called customer service on XX/XX/XXXXat XXXX and spoke with a manager named XXXX who adviced me the funds would be deposited to my account by XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>. Again, there has yet to be a deposit made to my account. I have a letter from my account opening stating I am entitled to a bonus offer and the reward offer code is XXXX. This needs to be resolved immediately.
Consumer complaint received 2017-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

I contacted american express after my yearly fees were due. Not needing the card any more i contacted them stating i wanted to cancel and that when they waved the yearly dues and sent a updated bill i would pay in full. I eventually got a call from a debt collector stating that i owed the amount ( including fees that i asked be removed ) and was now in collections. i called amex and they expressed that they were unable to help since it was in the collectors hands now and the collectors stated that they could not confirm the issues with amex. I paid the amount including fees in full just to be done with them but now my credit score has taken a huge hit.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (DC)

I purchased a ring from XXXX XXXX using XXXX XXXX Credit Card ( by Comenity LLC ). At the time of purchase ( XXXX 2016 ), the promotion was misleading as it described as if there would no interest payment for the 12 months. Instead, the promotion was actually deferring 12-month worth of interest payment on the initial amount, which is applied when full payment is not made by end of the 12-month period. In my case, I had already paid off about half of {$4400.00} of the intial amount by the 12-month period, but was charged with about {$1000.00} ( which XXXX XXXX credit card company had calculated with the prinicipal amount ) at the end of the promotion period. I was not aware of the deferred payment, nor do I belive that calculating 12-month interest payment on the intial prinicipal amount is fair. The monthly statement does not indicate anything about the deffered payments until the very end of the statement. Also I was not notified via separate email to warn me about the end of the promotion and changes it will make to the account other than a small section in the statement of the month the promotion ends ( which can be easily missed ). The misleading promotion, lack of customer service in terms of notifiying incoming charges, hard to find information on deferred interest payment on monthly statements, and calculation of 12 month interest on the intial principal amount make me believe that XXXX XXXX Credit Card wants the customers to pay larger amount of interest than they would have if they had no promotion at all.
Consumer complaint received 2017-06-28
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. (NY)

To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, XXXX, Experian i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I do not own this debt.This vehicle was stolen  XXXX    XXXX  . Police Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  needs to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why  XXXX   XXXX   XXXX  refuses to go after the correct owner of this debt. If  XXXX   XXXX   XXXX  can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

Several years ago I overdrew my U.S. Bank checking account, after paying the incurred fee I went to a local branch and enquired what I could do to avoid this in the future. I the banker said he enabled a feature of the account that I understood to be a type of overdraft protection where pre authorizations for transactions that were larger than the account balance would be declined. Additionally I was told I was signed up for email alerts about low balances. This past week U.S. charged me three {$38.00} overdraft fees in rapid succession, when I called U.S. Bank I was told my account was actually configured to accept transactions that would put the account in overdraft for a {$38.00} fee to extend that credit. This is exactly the situation I wanted to avoid by going into the branch and instead of limiting the overdrafts on the account it was instead configured to accept more overdraft transactions, each for a fee.I also want to note the three transactions for which the {$38.00} fees were levied were not recurring transactions but one time transactions which I fully expected to be declined if they would put the account into overdraft. Instead U.S. Bank not only allowed the account to go into overdraft but once it was in overdraft continued to approve transactions and charged a fee for each occasion. The U.S. Bank phone rep argued these fees were valid because U.S. Bank provided me with a service in the form of credit once my account was overdrawn, however I took explicit action to disable this feature and service and believe these charges to be highly questionable given these facts.
Consumer complaint received 2017-06-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC. (FL)

I went to XXXX XXXX College in 2007. I withdrew after one month of school. <P/>I am pursuing an XXXX degree and i received information from The Dept of Education that Navient/XXXX XXXX placed a student loan from 2007 in default. I called XXXX XXXX/Navient at phone number XXXX. I advised them I have not received any communication about these loans and I did n't receive notification of default. The loans are not shown on my credit report either. She advised me I would have to call Pioneer credit because the loan was sold and if I was a clearance letter I would need to pay XXXX because the loan had collected over 9 years of interest. <P/>I would like to know why I never received notifications about this debt and all of a sudden I was put in default after 9 years. <P/>I was advised Financial aid covered my tuition at XXXX XXXX College. Per the school board there is no balance owed.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There is a bankruptcy in my file, I have reached out to the XXXX XXXX XXXX XXXXXXXX for validation of which they do not offer. Per FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the originator, they must remove said information from the consumer credit file. Letters were sent to Experian and XXXX on XXXX/XXXX/2017 with a copy of letter from XXXX XXXX XXXX XXXX stating they do not report to credit reporting agencies. Please see attachments
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (TX)

I sold my house and closed on XX/XX/XXXX. BBVA Compass was notified in the closing paperwork of my new address to forward my escrow balance. Additionally, I contacted them via their customer service number ( XXXX ) on XX/XX/XXXX to remind them of the proper address to send the reimbursement check to. BBVA Compass disregarded all of the communication on the correct place to send the check, and sent the check to the wrong address, where it was rejected and returned to them XX/XX/XXXX. I reached out to the bank on Monday, XX/XX/XXXX, and they stated that regardless of their negligence, they had to have an affidavit filled out, and would send me one within 48 hours. On XX/XX/XXXX, after 48 hours, I went to a local branch to seek resolution. The banker at the local branch contacted the mortgage group and said he could be of no assistance, but that the affidavit would be emailed by the end of the day XX/XX/XXXX, or the morning of XX/XX/XXXX. When I did not receive the affidavit on the morning of XX/XX/XXXX, I contacted the customer service number again, and they stated that now the wait time to receive the affidavit was 3 to 5 days. When I asked why the wait time to send an email had changed from 24 to 48 hours, to 3 to 5 business days, the BBVA Compass rep did not answer. As of XX/XX/XXXX, BBVA Compass has held over {$5000.00} due to me in a refund and will not provide me a mechanism to receive my money that they have held for over 4 weeks.