davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (TN)

I called and spoke with an agent to revoke my ACH authorization and turn off the auto payment function of my account. I had submitted a power of attorney to Avant indicating that I would now be making payments through a debt management program supervised by XXXX XXXX XXXX XXXX ( XXXX ) This was on or around XX/XX/XXXX. On XX/XX/XXXX, Avant pulled XXXX dollars out of my bank account in the form of an electronic draft, despite the fact that I had specifically revoked all authorizations. They knew that would receive payment through the DMP, but they went ahead and double charged me!!! I called to get the payment reversed but the next agent said thet the previous agent should have transferred me to a different department to get the ACH revoked so despite the error on their part they refused to refund the XXXX and said I could file a complaint with my bank. <P/>Then, on XX/XX/XXXX, the payment through my Debt management plan was made and posted to my account, thus proving that they had accepted and agreed to the DMP and yet still chose to sneak in another charge that was clearly unauthorized. <P/>Avant 's actions have lead to my bank account suffering a XXXX overdraft fee and a XXXX extended over draft fee. My bank, XXXX, closed my fraud claim and said that since I had a previous relationship with Avant that the action of removing the XXXX, while acknowledged as unauthorized, was not the banks problem and that I would have to either take it to court or convince Avant to give me a refund. <P/>In essence, Avant took XXXX out of my bank account without my permission, despite having agreed to a Debt Managment Plan with XXXX and accepting payment through the third party. This caused me to suffer XXXX dollars in over draft fees from XXXX. And XXXX refused to deal with the matter. My account still has a negative balance because of this.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OK)

filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
Consumer complaint received 2017-07-24
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. (AL)

Ok sent a request certified mail asking for method of verification on 3 accounts. I also challenged the XXXX XXXX compliance. I received one letter stating that they will not investigate the account again and another paper with a incorrect update report.They have not provided me with the proper documentation I asked for and as a consumer experian is taking away my rights to challenge these incorrect accounts.
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A. (TX)

I had XXXX phone calls back to back and even XXXX calling while I was on the other line with the same company on my work phone number. I have asked them to not call my work, they are free to call my cell phone number.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I am trying to switch my loans from forbearance to an income based repayment plans. I enrolled in an income based repayment plan in mid XXXX and supplied all my financial information. On XXXX XXXX, 2017 i was enrolled in an income based repayment plan, BUT only some of my loans were enrolled. The rest were placed into a standard 10 year repayment plan. I was given a minimum monthly payment that reflects an amount that is approx XXXX dollars more/month than what should be based on my financials and also what navient also admits it should also be based on annual income. i 've called 4 separate times spanning the past 30 days to resolve this issue. Every time Navient i 've called, navient stated that my federal loans are taking a longer time to enroll but that it wil be done within a few days.. this was the same response FOUR TIMES. At this point i 'm becoming nervous because i cant afford my monthly payments but my payments are due. I 've already payed my XXXX payment because i do not want to default on my loans but i can not keep up and navient will not resolve this issue
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I checked my credit report and found inaccuracies. They verified the account so I sent a request to experian via certified mail asking for method of verification. I also challenged XXXX XXXX compliance.They have not provided me with documentation showing how they verified these accounts. They also sent me a letter stating they will not reinvestigate if i do not provide them with information but they did not provide me with what i asked for. I want to remind experian that as in XXXX v. XXXX XXXX XXXX, No.XXXX ( XXXX. XXXX. XXXX XXXX, 1995 ), you maybe liable for your willful non-compliance.They is taking away my rights as a consumer.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK (FL)

On Friday, XXXX XXXX, TCF Bank of Minnesota changed over its procedures for online account access ; that is, the previous access page was no longer operational and customers were directed to a new page on which they could create new logins, passwords, and security questions. ( There was no option offered to " '' remind me later. '' ) I erred in creating the new information. This meant I needed to call for help. I was placed on hold for approximately 20 minutes, listening to the loop of ads for the bank. When I was connected to a person I was helped -- more or less -- but found that while I could now access the account from the computer on which I 'd been helped, I could not do so from my other computer. I needed to call the next day and experienced the same long wait and loop of ads. This time the CSR could not resolve the problem ; I was offered a callback from the bank 's IT staff in " two or three days. '' We 'll see. My complaint is not that TCF was in any way crooked or conniving, but stingy or just XXXX. An instant changeover means many customers with problems ; in turn, this requires a large staff. It was evident that there were not enough staff and that the staff was not sufficiently well-trained. As a result, I -- and I 'm sure a huge number of others -- were poorly served by TCF.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Valentine and Kebartas, Inc. (NY)

I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcy XX/XX/XXXX under file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day Valentines Acct number XXXX Current due XXXX XXXX XXXX XXXX re ; XXXX XXXX XXXX
Consumer complaint received 2017-07-24
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. (KY)

My credit report shows that co-guarantor on a loan from XXXX. This shows up on my credit report as a student loan. I reported this as an error through XXXX XXXX and the response back from XXXX was " It looks like this item is actually correct and that it 's going to stay on your credit report ''. I have not co-signed or guaranteed any student loan from XXXX and have requested a copy of the fully executed loan agreement with XXXX that bears my signature. This documentation has not been provided back to me because it does not exist. I demand that this be removed from my credit report! Please help.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Mother & I have a joint checking account and Money Market account at XXXX XXXX XXXX XXXX. She was defrauded in a Sweepstake Scam ( XXXX XXXX XXXX ) by being told she won and was required to pay the income tax due on the winnings. My Mom XXXX is XXXX years old and  suffers from some mild XXXX XXXX. She was instructed to Mail VIA the USPS overnight checks on XX/XX/XXXX in the amount of {$7900.00} and again on XX/XX/XXXX a check in the amount of {$23000.00} to the following address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX was again contacted and instructed to withdraw both cash & Bank checks from her account at XXXX XXXX XXXX XXXX and deposit the amounts into various Bank of America accounts : XX/XX/XXXX : Bank check to XXXX XXXX XXXX : BOA Act : XXXX for {$7200.00} XX/XX/XXXX : Bank Check to XXXX XXXX XXXX : BOA Act : XXXX for {$4900.00}
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (KS)

In XX/XX/XXXX, I opened a CareCredit account backed by Synchrony Bank. I did this at a XXXX  office. It was on a promotional offer for 0 % interest for 18 months. I ca n't see the original amount because my online statements only go back 12 months. <P/>I immediately went home and called CareCredit. I informed the rep that I wanted to configure my payment account to automatically pay it off on time. I told the rep I have money and I do n't need credit and the only reason I took this account is because it 's free. I asked the rep " So on XX/XX/XXXX, this will be paid in full with a balance of {$0.00}, right? And the total lifetime fees and interest will be {$0.00}, right? '' and the rep confirmed my calculations that yes it is as I said. <P/>Over time, I saw the monthly payment amount being automatically calculated, and reducing as the balance was reduced. So I thought that meant everything was on plan according to the rep 's instructions. <P/>Now I see that it was n't so, and I am joining the legion of people on this site who were misinformed in a predatory bait-and-switch effect. In XX/XX/XXXX, CareCredit instantly charged me all the retroactive {$890.00} in interest plus about $ XXXX/mo ongoing interest, putting my balance back up to almost its original amount, as if I effectively have to pay my medical bills twice. <P/>I just now found this out in XX/XX/XXXX because I thought the balance had been completed. The online statement history only goes back 12 months! So I called CareCredit on the phone and even the manager was belligerent and rude, as so many people have said on this site. He told me six times that I had configured my account wrongly and told me what I should have typed in, and that there 's nothing they can do. I asked him to quit repeating that, and tell me who I can escalate to -- so he repeated it again and again. I received not one single concession, no path of escalation, no recourse, not one word of options -- just blame. <P/>I have never dealt with a credit card company that 's this obstinate, and with such a losing attitude. I escalated again, but I do n't expect to be called back or to be given any options at all. <P/>The account has never been late or had fees other than interest, and everything has always been " paid as agreed '' status. The current balance is {$1900.00}.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CO)

The reason for this email is in regards to a dispute that I have with XXXX XXXX XXXX XXXX in XXXX, XXXX. I moved in on XXXX XXXX of 2016 and occupied XXXX. I had the best signing experience I think any renter could possibly have and even though I do have a rather unsatisfatory pending issue, I can say that XXXX in the Leasing Office was beyond amazing. I believe in giving credit where it is due. I enjoyed 7 months in my apartment and had minimal issues while residing there. Unfortunately, my employer decided to relocate me to XXXX, XXXX and i have been here since. I submitted the requested paperwork to prove I was being relocated because my job was being moved ( eliminated if I stayed in XXXX ), and I was in correspondence with the property manager the entire time, making sure to update them on dates, issues, or even payment options for the month of XX/XX/XXXX. I moved out on XX/XX/XXXX, and turned in my key that day. I checked in with the property manager to see if there were any loose ends to be tied up before my drive to XXXX. She told me she would submit the required paperwork ( The letter from my Human Resources Department reflecting my relocation date and initiated job relocation ) to corporate and I was fine. She even told me not to pay for the month of XX/XX/XXXXonline ( like all my previous payments ) as she did not want me to overpay because I was moving out before the month began. Since then I had not heard from the property manager or  XXXX. Nearly 8 months after my departure and closure with XXXX I get blindsided with a bill from a credit collection. I asked the rep what the bill was for and she stated a fee because I left without notice. I was completely blindsided and a little set back. I had requested all information regarding the order be sent to my forwarding address had given XXXX and have yet to receive said bill, however the collection account has shown on my credit report. Im completely dissatisfied with the way this whole matter has been dealt with. The property manager, assistant property manager and XXXX all had access to my email/phone number and forwarding  address. Im not sure how or why no bill was sent to me before handing this matter to another 3rd party. I would like some type of answer or resolution to the matter as if I was given notice beforehand I would have made accommodations to reflect the balance. I even emailed the property manager the day  before my departure and day after to ask if there were anything I needed to resolve before I left and both times I received not word.
Consumer complaint received 2017-07-12
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)

I wrote to Transunion on XXXX XXXX asking that a Federal Tax lien dating back to 2010 be removed as it exceeds the maximum 7 years which a derogatory items can be shown on the credit report. I got no response and a recent credit report shows no change.
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner Inc. continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Consumer complaint received 2017-01-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have received numerous phone calls from Portfolio Recovery Associates over several weeks. I spoke to them once and found they are seeking payment for a credit card balance due. I have no such debt and told them so. They continue to call, but I do not answer. I know there is another person with the same name as me living nearby. I hope you can resolve this issue on my behalf as they did not listen to me.
Consumer complaint received 2017-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo claims that the total amount past due is {$40000.00} ( see attached ). The alleged claim is for 51 payments. The original amount financed was {$92000.00} at 4.25 %. Since the current P & I payment is {$450.00}, the amount of interest due per month would average around {$300.00} per month. Therefore the total amount of interest past due should be {$15000.00}. Since the escrow amount is roughly {$150.00} per month, the total past due escrow would equal {$7600.00}. Therefore the total amount due should equal {$22000.00}. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have also applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency ( see attached ). Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XXXX. Wells Fargo has refused to cooperate and has set a foreclosure sale date ofXX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had residential mortgage loan with  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX .  XXXX . The  Loan h as been paid off as of  XXXX     2016. All  payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in  XXXX     2016, f or unknown reason,  XXXX  returned  one paym ent, even though it was the same as every prior payment on the loan.  XXXX  then started charging late fees, and applying subsequent payments to that payment.     Upon learning such and speaking to  XXXX  representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges.  XXXX , however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan.     I spoke with  XXXX  customer servic e 2 week s ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week.     After years of similar payments by my bank,  XXXX  acted capriciously in rejecting my timely payment.  XXXX  once did acknowledge the error and removed the late charges.  XXXX , however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my report s (   XXXX   XXXX   XXXX   ) a nd my wife ' s reports (   XXXX   XXXX   XXXX   ).       XXXX  needs to remove adverse reporting on my credit on on my wife 's credit.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I 've been a wells fargo customer for over 10 years. Recently I got a wells fargo credit card and put a {$3700.00} tuition charge on it. I set up automatic payments and took a look the day the payment was supposed to be due ; by the end of the day it still did n't go through. Looking at the automatic payments page, it says it will only pay whatever the remaining balance is after any previous payments were taken into account, so I went ahead and made a manual payment in order to avoid the credit card late fees. This was on X/XX/17. The next morning i get notifications that my checkings account is overdrawn and multiple service late charges were posted to my checkings account. It turns out automatic payments ignored my manual bill pay and paid the {$3700.00} again. I called customer services and explained my situation, and they gave me a timeframe for this to be fixed. They also told me they 've escalated this to customer services. Their estimated date was today and the payment has not been returned. When I called customer services again they told me since the amount is large, they may or may not have to wait even longer to refund, nothing clear.