davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The company is Bank of America. I had online overseas fraud. A company got ahold of my username and password. And they tried to deposit and cash a check in my account. It was on XXXX XXXX. For about XXXX. Bank of America saw it was fraud but shut my account down and told me I could no longer bank with them.
Consumer complaint received 2017-10-23
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. (PA)

OnXX/XX/XXXX I received a call from XXXX wanting to verify that I applied for their credit card to which I stated I did NOT. When I checked my online reports, I noticed that someone tried to take out credit cards using my info with both XXXX and XXXX XXXX XXXX. I do n't know the date for XXXX but XXXX was XX/XX/XXXX. I called XXXX XXXX XXXX and told them I did NOT apply for credit ( they denied a credit card to the person who fraudulently requested it using my info ). I also called the XXXX reporting agencies and explained everything to them and told them to please remove these inquiries from my files as I did NOT request credit from any place. They said they would take care of it but it is still listed. A hard inquiry is taking my credit score down a few points. I also told the agencies that I will not be getting any new credit cards and to put a freeze on my accounts so that no one else can request credit. Please help in removing the hard inquiries off my file ; thx.
Consumer complaint received 2017-08-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (NV)

XXXX-17 My debt {$1100.00} from XXXX XXXX, XXXX XXXX went to Stoneleigh recovery associate debt collection agency and they contact to my ex husband yesterday. ( we divorced 13 years ago ) So today I call this collection agency, this guy was telling me how much information of me they have and which payment I 'm making, where I 'm working..
This is scared me and its frightening.
I wan to know even collect agency can do something like this?
Consumer complaint received 2017-08-03
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: WELLS FARGO & COMPANY (NC)

I 've been disputing Wells Fargo Dealer Services since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time Wells Fargo Dealer Services confirms that this account belongs to me. I 've asked XXXX, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with Wells Fargo Dealer Services and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
Consumer complaint received 2017-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (MI)

I am in receipt of AMCOL SYSTEMS offer, dated XXXX XXXX, XXXX, however, I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. 

Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Failure to rebut, address, answer or respond to CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, stand as a Default Judgment and Declaratory judgment, of the facts stated herein being true. Failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX created Summary judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX. Failure to rebut or continued acquiesce, failure to address, answer or respond to Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created an AFFIDAVIT OF NON-RESPONSE, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2017-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I began a refinance with USAA Federal Savings Bank in XX/XX/XXXX and worked mainly with XXXX loan processors : XXXX XXXX XXXX ext. XXXX and XXXX XXXX XXXX ext. XXXX, for a re-fi loan on our second home at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. We had the deed under our trust, and so USAA wanted the trust documents which we gave them in late XX/XX/XXXX. The closing was originally set for XX/XX/XXXX at XXXX CDT, at about XXXX the notary called us and said that the closing had been cancelled because USAA had n't properly reviewed the trust documents ( USAA never called us about the cancellation ). We then set the closing for XX/XX/XXXX. As we were signing the documents, I asked the notary if we needed to sign with all the verbiage of the trust, so the notary called someone at USAA and were told that we could just sign as trustees, no verbiage needed. On XX/XX/XXXX, I received an e-mail from a XXXX XXXX XXXX XXXX XXXX for XXXX XXXX, XXXX ext. XXXX saying that documents we signed were " not what was needed '' and that we would have to resign the trust portion correctly. We had a XXXX closing on XX/XX/XXXX, and, I believe that the loan was funded on XX/XX/XXXX. I told the notary at the XXXX closing that our loan lock expired on XX/XX/XXXX, and if we needed a XXXX day rescission period, we would be past the loan lock. He said to let USAA worry about it. Since the loan did n't close until XXXX, I was told in XXXX separate e-mails that the first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from USAA Federal Savings Bank saying that I had not made the XX/XX/XXXX payment! I called the bank and e-mailed the notice I got from XXXX XXXX saying that the first payment was due XX/XX/XXXX. I reached out to USAA XXXX, and they basically told me that since I had signed the loan documents that said XX/XX/XXXXwas the due date, that I was out of luck. I have all the e-mails and letters I sent and received from USAA, XXXX XXXX, etc. if you need them. Also, USAA said they were sending a XXXX package to our Wisconsin address with the XXXX XXXX payment information, we never received that package. I have paid the XXXX payment on XXXX XXXX, however USAA applied it to the XXXX payment. This whole process has been a mess, poorly communicated, little attention to detail, and not being able to rely on what the loan processors told us via e-mail. I pointed out to XXXX XXXX that the loan figures were not correct, and she said not to worry and it would get refunded to me once we closed, so my question is if the loan we signed said first payment was XXXX XXXX, and her e-mails said XXXX XXXX, why could n't this also be corrected? I asked USAA to refund a portion of the closing costs to us, but they said since we had not been " monetarily harmed '' ( I think having to make a payment a month early from what we thought would constitute a monetary harm ) USAA would not reimburse us any closing costs.
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (AZ)

Syndicated Office Systems is attempting to collect a medical debt ( {$320.00} - XXXX 2014 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I left XXXX XXXX in XXXX of 2017 and enlisted in the XXXX and reported on XXXX XXXX, 2017, my PEBD. 

I logged in to Nelnet today and saw a letter telling me that they received my application for a military deferment. 

I never requested that. This was the first time I had ever logged on. 

I called the Nelnet Military line and was told this letter was automatically generated based on the information they get from the DoD database. 

This letter told me exactly how to get in a military deferment and made no mention of income driven repayment plans, which I learned about from XXXX XXXX XXXX, my financial counselor. 

This letter encouraged me to put my loans in a military deferment and even said I requested it.
Consumer complaint received 2023-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CA)

I used a third party payment provider for a purchase I made back in XXXX oXXXX XXXX I had a issue in regards to someone stealing my information and them using what I paid for. I contacted affirm in regards to that incident and asking them to open a dispute so I wouldn't have to be responsible for what I paid for and they haven't been able to help me with anything in this regards. I have still been paying monthly since I wouldn't want it to affect my credit and I want some sort of resolution for this case.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (SC)

Diversified Consultants have a collection account on my credit report that I was not informed of AT ALL. They never sent me a notice at all where I could request validity and verification of that debt in which I am disputing. I am documenting this case right now for legal action if necessary and CC'ing my attorney. This collection is for {$470.00}. I reside at XXXX XXXX XXXX XXXX and never even heard of this company. I will be filing identity theft report and an affidavit as well since this is not my debt at all. CC : Consumer Affairs, FTC, BBB, XXXX XXXX XXXX.
Consumer complaint received 2017-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

on XX/XX/2017 I applied for a Loan with OneMain Financial online. I was told that i was qualified for a loan based upon my pre-tax income and pre-credit screen online. I went through the entire process, a customer service rep called me walked through everything. I was mislead during the application process because on the phone they use a different method of calculating income and only look at your take home pay, which can vary significantly in my case. [ They do not disclose this to you on their website when you are applying that its a different method of calculation, they also do n't mention to you that they use a budget amount to look at your income when you apply ] My pre tax income is close to XXXX a month. My take home income is close to XXXX. Between both incomes I have elected about XXXX dollars in additional taxes taking out ( voluntary, selected most recently ) I also have a tip wage that is calculated in my income and pre-taxed which makes my income look lower. I was trying to explain this to the representative except she stated they do things differently when they calculate over the phone, and it 's different than online. They do n't tell you this when you are applying. It becomes very misleading lending practices. Had I understood exactly online when applying how things were calculated and that they look at a different formula I would 've never continued with the application because I would know that the loan I was applying would not meet their standards, and I would have been declined from the start. The process makes it seem so easy, your presented with terms based upon all the data you submit and they pull your credit online, but they do additional screening over the phone and have additional standards. They also look at your income differently when they talk to you over the phone, which again is not what is stated on their website when it asks for Income.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

In XXXX, someone fraudulently used my identification to open an account at XXXX XXXXSYNCH which is serviced by XXXX XXXX. I did n't know this had been done until I received a letter from XXXX XXXX stating this account was 60 days past due and was getting ready to go to collections. I contacted XXXX to tell them this was not my account. The manager I spoke with at this time took my statement and told me it would be handled by the Fraud Dept. He also said that it would be in my best interest to pay the minimum due each month, {$84.00}. because if the investigation was not resolved in my favor I would not have to pay monies due back all at once. I set up for {$84.00} to be automatically deducted from my checking account starting in XXXX to pay in account XXXX. 

I received a letter in XXXX XXXX, stating that the investigation was completed and the claim had been resolved in my favor. 

In XXXX XXXX, I called XXXX XXXX to see what I needed to do to be reimbursed the monies I payed on this account. I was told I had to send them all documents showing where I payed on this account. I was told I could mail and/or fax the documents to them. They gave me their address ( ATTN : Payments-XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX ) and fax number ( XXXX ). I was told it would take 30-40 days from the date they received the documents before I would receive my refund. In XXXX XXXX, I mailed and faxed every bank statement and billing statement that showed where I had payed on this account. 

At the end of the 40 days, XXXX XXXX, I had n't heard from XXXX XXXX so I started calling. From XXXX to XXXX XXXX I have been calling and continuously got transferred from customer service to the fraud dept to investigation dept and resolution dept. 

In XXXX XXXX, I called XXXX XXXX again to check on the status of my reimbursement. I spoke to another manager. She told me I should wait another 15 days to hear something from them. If I do n't receive anything then maybe I should mail or fax the documents again. I told her I was not going to fax or mail anything again because I would have to wait another 30-40 days from the receipt of the newly send document for a responses. Plus I told her it cost me {$60.00} to fax the documents the first time. I asked her if she, the manager in the Fraud Dept, could reach out to the dept where the reimbursement is supposed to come from to check the status. She told me she could n't that dept could only be reached by mail. I 'm at my wits end at this point. Each and every time I have called XXXX I 'm transferred from one dept to another and back to the first one I called again having to begin at the beginning explaining everything all over again to each person I 'm transferred to.This has been going on from XXXX to XXXX XXXX.
Consumer complaint received 2017-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NV)

Took out a studen loan for my XXXX when he attended XXXX XXXX XXXX and finished in XXXX. As co-signer I have been paying off this loan and am now approx XXXX years in advance of payment date. Just last month I noticed that American Education Services XXXX AES ) raised my interest rate nearly XXXX percentage point without any notification. I find this to be illegal as XXXX and they are trying to maintain some form of percentage in the positive for the remainder of the loan. My account number at AES is XXXX and after numerous attempts XXXX emails, phone calls, etc. ) I have been unable to get them to explain why the rise in interest rates that started out at XXXX XXXX and is now at XXXX XXXX or so. I am also going to file a complaint with the XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (FL)

We were victims of hurricane Irma in XXXX Florida. Our power was out for a week from XXXX XXXX through XXXX XXXX. Due to limited access to internet and financial and government institutions being closed, I missed a {$15.00} payment on my credit line. On XXXX XXXX, I called PNC to make payment and bring the account current. I spoke to XXXX XXXX at PNC at XXXX. He assured me the late hit on my credit report would be reversed. I tried reaching out several times following our initial conversation leaving voice messages with XXXX XXXX at PNC with no reply. PNC needs to reverse the 30 day negative late on my credit report.
Consumer complaint received 2017-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

To Whom It Might Concern, XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX My name is XXXX XXXX XXXX, I am a XXXX patient, divorced, and owner of the above real property. I am struggling on my mortgage payments, I pray to keep my only home for my XXXX young kids and I would like to have a more affordable monthly payments. Recently, I got pre-approved for a Trial Payment Plan on XX/XX/XXXX for our account, the Trial Payment is {$430.00}, Chase Relationship Manager Specialist XXXX XXXX said the amount to be paying permanently will be approx close to {$430.00} and now it could be {$480.00} or more monthtly according to the new letter dated XX/XX/XXXX we just received. I am confuse of What Chase is Doing : This is higher than what I have paid before. Language of the benefit of Modification said this option make our payments or loan terms more affordable, this is not more affordable because it is higher than before. I pray Chase to do maximum year terms and lowest fixed rate so I can continue to fufill my duty to Chase as a customer and my duty as a mother to provide a roof to my young children. I do not know how long I live but day by day I struggling to pay all the bills not limit to the first Mortgage  that I am obligated to monthly. The root of the problem was I trapped in default when the amoutn we were paying was {$400.00} in XX/XX/XXXXkeep balloonly increased. It does not make sense to pay $ XXXX/m since I went fell to default for $ XXXX/m. My heart and soul do not want to have our only home to fall into foreclosure again.
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NH)

XXXX XXXX, XXXX To : Consumer Financial Protection Bureau Subject : Complaint against loan servicer Navient Solutions LLC XXXX XXXX XXXX, XXXX, PA XXXX Dear CFPB, I initially submitted this complaint, and the response was that the location was inaccurate. This was a correct assessment, as I provided the address for XXXX XXXX against the Navient name. This will be a resubmission of this complaint based on the service address listed in the subject line and as noted in the screenshot on page 5. I would like to formally resubmit this complaint against Navient regarding a student loan which I believe I should not be paying XXXX Signature Loan. I made a simple request to Navient to provide ALL documentation of this XXXX Signature Loan and I want all of it from the time of inception to now. They have repeatedly ignored my requests even after multiple times of contacting them through my secureonline account that I was requesting to have the documented email trail. I want Navient to provide proof that they have the paper trail for this loan and can support the numbers as to why it doubled from an originating value of {$15000.00}. If Navient can not provide definitive evidence of this loan, then discharge this note and remove it from my account. If Navient bought this note from XXXX XXXX, then Navient should have also inherited the history. Provide that history and tell me why it has inflated from $ XXXX to {$30.00} at 6.25 % and on top of that additional notes that equate to $ XXXX. My complaint is that I do not think I should be paying any further on this XXXX Signature Loan. At the time, my name was XXXX XXXX XXXX. Ive since remarried, and my new last name is XXXX. In the subsequent pages, I will detail why I believe I should no longer be paying on this note. Regards, XXXX XXXX XXXX
Consumer complaint received 2017-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

XX/XX/17 money transfer into my paypal account. Today is XX/XX/17 and I still have been unable to have paypal transfer the money from my paypal account into my bank account. I 've been on the phone with paypal all morning, I 've driven to my bank twice at the suggestion of paypal representatives. 
In short, PayPal money transfer system and web interface is overly complicated, confusing, deceptive, vague, and dishonest. 

This was a {$4300.00} money transfer that should have taken 30 minutes and is now over 10 days and waiting. 

After calling their consumer services hotline, I received vague and conflicting explanations for the delay. They seemed to give me only enough information to clear the roadblock directly in front of me and willing to let me stumble into the next hurdle they could clearly see. 

10 days and waiting.