davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Debt Holdings, LLC (IN)

THE XXXX SOLD MY ZOMBIE DEBT TO UNITED DEBT HOLDING, LLC AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR. 
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT. 

SEE ATTACHED.. 

E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXXXXXXXXXX )
Consumer complaint received 2017-12-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I am trying to defer my payments again, because I am having severe financial difficulties. My home got damaged in the storm and the check that I received from my wind & storm company will not cover the entire amount that the roofing companies is asking. I am just asking for defer payments until next year or a much lower monthly payment for both loans.I am willing to pay back, but they are keep billing me for high late fees and increasing the loan every time I ask for assistance. This has been going on for the last XXXX or more years.The loan date is XXXX/XXXX/XXXX. My loan amount is now {$42000.00}, which has almost doubled from when I first received the loan. I have had deferred payments and Foreberance because they refuse to lower my monthly payments where as I can afford to pay monthly. Thanks,
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Consumer Financial Protection Bureau, I mailed a letter on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX, Transunion, and XXXX requesting to correctly report the balance amount on my account based on the copy of the letter sent to my by XXXX XXXX XXXX in XXXX and XXXX XXXX. I received a letter from all four companies in XXXX XXXX that the account balance amount is correct and will not be changed. 
Thank you. 
Concerned Customer
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Consumer Financial Protection Bureau, I received two letters from XXXX XXXX XXXX, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX Equifax, and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX Equifax and XXXX and XXXX XXXX XXXX in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer
Consumer complaint received 2017-12-21
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 (NV)

I applied for the XXXX XXXX issued by Barclays online on approximately XXXX XXXX, XXXX. My account was issued and opened on XXXX/XXXX/XXXX. Based on the information advertised online I was to receive XXXX bonus points after spending {$1000.00} on credit card charges within the first 90 days of the card being issued. I only received XXXX bonus points. I have made two calls to customer service this past week and was informed I will only receive XXXX. I stated to the reps. that is not the program and benefits being advertised on the XXXX/Barclays credit card site and the company is deceiving customers. None of the reps have been able to rectify the issue. I called on XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX, XXXX. I was transferred to various reps who said they could help me and to no avail. On XXXX XXXX, XXXX, I was transferred to a manager who said she would call me back and no return phone call. 

The second reason I applied for the XXXX card was the advertised interest rates. The lowest interest rate was advertised at 12.99 %, 20.99 and last tier 25.99 %. I have excellent credit anywhere from XXXX to XXXX 's credit score. I was issued 20.99 % interest. After calling back after receiving card, I was never given a reason why I was issued 20.99 % interest rate given my great credit score. No rep would give me a diffinitve reason of my interest rate. Only, well your a new customer! 

Please research Barclays and put a stop to false advertising for this credit card!
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

I received several prepaid US Bank XXXX cards ( {$25.00} ) as wedding gifts ( inXX/XX/XXXX ). We saved these cards and used them as expenses came up.

This week (XX/XX/XXXX ), we went to use this card and found that the balance had nearly been depleted by inactivity charges applied to the card ( $ XXXX/month after 12 months ). While these charges are permitted by federal law, the card states that the deductions will not be made in states that prohibit the fees. California is one of these states - though certain exceptions can be made.

According to dca.ca.gov, the rules governing gift cards and prepaid cards are as follows : " A gift certificate or gift card can not contain a service fee, including a fee for dormancy ( non-use ).

However, there is an exception from this general rule for a gift card where : -- The value remaining on the gift card is {$5.00} or less each time the fee is assessed ; and -- The dormancy fee is {$1.00} per month or less ; and -- The card has been inactive for 24 consecutive months ( for example, no purchases, " reloading, '' or balance inquiries ) ; and -- The holder may reload or add value to the card ; and -- The card has printed on it a statement in at least 10-point type stating the amount and frequency of the fee, that the fee is triggered by inactivity, and at what point the fee will be charged. This statement may be on the front or back of the card, but must be visible to the purchaser prior to purchase. '' None of the criteria listed was met by XXXX, US Bank, or whichever entity issues these fees on their behalf.

I requested the fees be refunded and I was told they were not obligated to return the funds. I persisted and they agreed to submit a refund request, but that a refund was still " not guaranteed. '' They first said it would take 24 hours to post, then 48, and now they are saying 72 hours. I fear that this will continue until I give up.

I am not the only one to have been the victim of these illegal fees and charges. Until these companies are held accountable they will continue victimizing unknowing customers.
Consumer complaint received 2017-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (CO)

On XXXX/XXXX/2017 I walked into Conns and gave them a payoff check for our merchandise. The check exceeded the amount due because Conns did not report the accurate amounts to my lender for mortguage refi. They owe me around 4600 and  advised me they would send this to the corporate office and in 10 business days they would send me the refund. I called 2 days later to the corporate office and it was confirmed that the money would be received in 10 business days. This last Monday I reached out verbally as was advised it was going to take 30 days and they had no clue where my money was or what the process entailed and then I sent a complaint through their automated system where it took 5 days for them to get back to me and I was advised that their accounts payable team has n't heard anything. No one can seem to locate the money or overpayment and yet they have cashed the check and it has cleared. It is unfair that not only are they sitting on the refund gaining interest but refusing to communicate internally and advise me of where they are in the process. I believe I should be given the correct time frame to process as well as where they are in the process.
Consumer complaint received 2017-12-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Exeter Finance, LLC. (PA)

Both Exeter Finance and XXXX XXXX XXXX, pursued a judgement against me in XXXX XXXX, XXXX, The judgement was n't granted due to : No payment was made from me since XXXX and I acknowledge this in court and the statute of limitations ran out for both companies to pursue a judgement. On my credit report it was dated that Exeter were remove its account in XXXX XXXX, because the 6-7 year reporting time were expired, so far both companies have reported illegally that I 've made payments since XXXX & XXXX, this is n't true and I would like both accounts removed off my credit immediately. Or, I 'm suing them and the credit bureau for consisted inaccuracies, out dated information. I also have documentation from the judge. Thank you, Please Help Me Put An End To This
Consumer complaint received 2017-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co (FL)

Accepted a loan from Southern Auto Finance Co in XX/XX/XXXXXX/XX/XXXX I noticed discrepancies with my balance when I began to double/triple my minimum paymentXX/XX/XXXX the company admitted the mistake and reversed my payments and applied them to principal as intendedXX/XX/XXXX-XX/XX/XXXX no issues noticed, will have to go back over my records to re-verifyXX/XX/XXXX payment for double the minimum is made and is split by the company and applied going forwardXX/XX/XXXX a payment for triple the minimum is made and is again broken up and applied to future monthsThey were contacted today XX/XX/XXXX because I was going to make my final payment and close out the loan but noticed only XXXX were applied to my principal in XX/XX/XXXX (my statements are not available online so I will have to wait on them to respond to my request for an amortization table)I believe they are undertaking this practice to extend the length of the loan and squeeze more interest payment from consumers. My payment history and pattern is directly opposed to their profit motive because I will be finished with my loan almost 4yrs early. I would like my payments applied to principal and interest on the timeline I dictate not what is most convenient and profitable for them. I believe I am being penalized for paying off my loan early.
Consumer complaint received 2017-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander is not operating fairly. In XXXX XXXX, I submitted a payment in the amount of {$360.00}. At the time, my payments were current. The entire payment was applied towards interest. I spoke to several representatives who attempted to justify why my entire payment was applied towards interest. Each representative implied that because I last submitted a payment in XXXX, interest accrues daily, thus the payment submitted in XXXX, as per Santander, was justifiably submitted towards interest. That may be their reason, however it is not justified. In XXXX, two partial payments were submitted in the month of XXXX to satisfy the payment for the month. As I was one payment ahead at the time, my next payment was not due until XXXX. Additionally, Santander claims that interest accrues daily and when payments are late additional interest builds between payments. This is what I do n't understand and none of this in explained in my contract ( please review ). How is it legal for a finance company to demand additional money other than what is stated in the contract? Late fees should be applied to late payments ; not additional interest that exceeds what in noted on the contract. Previously Santander responded that payments submitted in advance reduces the interest, apparently, this is not the case. 

My second complaint is I have a statement which reports my principal balance as {$8500.00}. However, after reviewing my credit report ( XXXX ), Santander falsely reported that I owed {$9200.00} - an increase to what I previously owed. This information greatly hurt my credit score. How and why are they able to do this? 

This contract with Santander has placed me in dire straits. I can not continue to pay for a car when the balance never goes down. The maturity date listed on my billing state is : XXXX XXXX, XXXX. However, given the amount of the principle balance, ( at {$360.00} per payment ) I am obligated to payment 23 additional payments - close to two years of additional payments and the car was financed in XXXX of XXXX? 
This can not be legal. 

Yes, late payments were submitted during the loan period. However, prior to now my payments were on time. Why does a XXXX dollar corporation ride on the backs of individuals who are put at their mercy to get approved for a loan? So is it fair to say that as long as late payments are submitted, Santander is able to apply additional money on the loan? I need answers. 

This is my ******SECOND COMPLAINT****** Please note, as of XXXX XXXX, XXXX, my principal balance, as notated on Santander 's payment ledger was {$9100.00}. As of today, as noted on a payment statement that I received in the mail, my principal balance is {$8500.00}. Please keep in mind, that my contract began in XXXX of XXXX and I have paid close to and/or over {$22000.00}. 
I would like a full explanation how Santander is able to receive additional money over the total amount that is noted on the contract.
Consumer complaint received 2017-12-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I fell behind on payments with Synchrony Bank due to a family medical emergency.I contacted the company regarding phone calls and I was told that in order for them to stop, I had to begin payment on my account. I agreed to post dated checks for 6 months at about {$250.00} ( last one being for the month of XXXX XXXX XXXX THE SAME DAY MY LAST CHECK POSTED XXXX/XXXX/XXXX I started getting the harassing calls again. They call every single day multiple times a day including weekends. Most of the time they hang up and never leave voicemails. My next Payment is not due until XXXX.
Consumer complaint received 2017-12-23
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank stole my money, there supervisor when ever it was time to replace she erase, knowing identity stolen, police report, false accusations, Went without XXXX, food, bills, Was given a XXXX dollars an supervisor took half back an refuse to give full amount, false accusations by this employee going on a month, threaten I had to go through her, her means of punishment, Knowing needed money to live. False accusations torture knowing need social security to live, there was know fraud, it was a way to tell XXXX XXXX XXXX woman, XXXX attack she will suffer which did, contract States any fraud money be return, fraud was issue by merchants an stolen card, supervisor blocked half payment when fraud acknowledge money should be given in 2 days, supervisor said another 11 days, Harassment by this supervisor putting life in danger, Police report acknowledge hacker, identy theft, an proof of hacker in there bank, XXXX attack, XXXX  financial abuse, card stolen, account broke into twice merchants tripple payments, an hacker tried to take XXXX dollars which was decline, They would rather label me a criminal, with no evidence, Supervisor have threaten me an employer I had to come back, if not she will keep the rest off food money an XXXX payments. It has been verified identy stolen, Supervisor of fraud unit continue to lie because off the false accusations, I return call she continue to take my money an make me wait for over a month, she continue to label a criminal, an erase supervisor who try to give me my money to survive,
Consumer complaint received 2017-09-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (TX)

XXXX XXXX XXXX, XXXX as Trustee for Option One Mortgage Loan Trust XXXX is collecting a debt that was never transferred to the trust before cut off date of the trust. XXXX XXXX XXXX, XXXX is fraudulently including our mortgage in the collateral file ( published on X/XX/2017 ) and remittance reports ( published on X/XX/2017 ) for Option One Mortgage Loan Trust XXXX for XX/XX/XXXX, despite the fact the only transfer of assignment that was filed in the XXXX County Land Records Office was filed 5 years after the closing date of the trust.
Consumer complaint received 2017-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Consumer complaint received 2017-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

The company name is XXXX which is located in Georgia I never live in Georgia I live in XXXX XXXX XXXX were I reside for years some in Georgia must of used my name I live in New York and we do n't carry XXXX I have a cable name XXXX XXXX hopefully I could get this resolved and taken off my credit report hope to hear from someone soon thank you
Consumer complaint received 2017-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Several years ago my long term partner XXXX. After unsuccessfully trying to collect from the estate the company transfered the debt onto me and tried to collect against me saying I was the only person on the account since my partner XXXX. This was not a debt I was part of, I did n't know it existed, I do n't live in an area that would make this collectable against me and these collection activities are quite frankly unfair and unethical. After providing the requested XXXX certificate they simply removed his name and replaced it with mine saying it was my debt. My credit report shows XXXX seperate acounts for a similar amount they are now also saying are XXXX seperate debts
Consumer complaint received 2015-08-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WI)

How are payments to an installment loan for an automobile supposed to be applied? For instance if you are 30 days late on a payment and you make XXXX full payment can the lender apply those funds towards interest for the late payment and the currently due payment before apply anything towards principle?
Consumer complaint received 2017-12-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (OH)

What I believe happened, is that University of XXXX charged me too much each quarter and semester. As well as their highly paid professors to teach us students online. The University of XXXX at first had me in another program or was going to change me program to reduce my balance. But that did not happen. So I stay in the program that I enrolled in. I did not go to this college to be a doctor or lawyer. But the debt balance should not be this outrageous highly. I am not working in that field because most employers are hiring for younger people. I have refinance and consolidate this high balance of {$110000.00} debt. This is a house payment or mortgage. Which I have neither at this time. This debt continue to appear on all of my credit report and there is no way to hide it on my report. It is too much. I can not get any loan to help me or give me a leg up or a hand up. There is no hope for me in this situation. I am not able to pay this debt off. The previous college that I went to did not cost me this amount of money. There haves to be a way to have this debt reduce down to {$30000.00} NOT up to {$200000.00} or a XXXX dollars in debt. Some of these loan servers and providers have placed me as a victim so I could finish my education on time. When I finish graduating from University of XXXX they said my debt was not that high. I believe the financial department and their admission office and other financial services at University XXXX XXXX had too many students with too many debt and it got mixed up with my debt. I want my debt reduce to a point that I can pay back. Or remove this debt period. It should not be this high. I do n't believe that this debt should be this high. Each private loan provider and federal aid provider itemized the debt and raised the debt with principle and interest rates that most American and students attending college could not pay back in a timely manner. It would take years to pay off this debt. This college charge me way too much. It should not have been that much. I was only there for less than 2 years. What the XXXX did University of XXXX Arizona do to me. I am not working fulltime but only part time and it is not even worth it. Please look into this matter and investigate what happen. Thank you.