davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello, I was trying to make an online purchase with my debit card. my problem started when I got a " verified by visa '' window upon my payment confirmation. The page asks for SSN to verify the card 's holder identity. Bank of America does not have my SSN in their database, because when I first opened my account I Had n't had an SSN. I called the customer service to solve this issue ( which they did last year, when I was trying to purchase a ticket from the SAME company ). After several attempts to reach a representative ( which took me literaly XXXX hour ), they promised to bypass the verified by visa page by sending an email to XXXX and ask them to lift the hold on my card. When I resumed my payment, the verified by XXXX window disappeared, by to my great surprise, my transaction was again denied, and I immidiately received a text message from bank of America saying that my card is restricted! I called the customer service again, and all they have to say was : " We need to verify your identity, but this can not be done over phone! ". I was left with XXXX options, according to them : either to discuss this with your local BofA branch today ( they know that it is a saturday, so obviously the branch is closed! ) or to fax them XXXX copy of my passport, and XXXX back-front copy of my debit card with XXXX signatures! 
I am very disappointed because they ignored my request when I said that this restriction was put on my card right after the XXXX department lift the old on my card, and also because they refused any comprise, especially that it is a weekend and I have no access to a fax, nor could I possibly find an open branch on a saturday evening! I am also surprised and confused because the exact same issue happened to me last XXXX, but I did not have to go through all this frustration : Total non-chalance from the staff, plus a very rigid policy that do not even allow customers to negotiate. 
This is not the first time that they place a hold on my account for trivial reasons, but this time it is really intimidating, because I am left with no money over the weekend. I called to solve a problem, now I am left with a worse problem, which is not being able to manage my own money! Not to mention that by the time BofA " solves '' this issue I might not find an available seat on this flight anymore on monday!
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

issue is with XXXX XXXX. There were items in dispute which I was told I was not responsible for while under investigation, however, I never received results of investigation and each time I called to inquire, I was transferred to various different departments until one day, some kind soul took pity on me and decided to see my call through to the end and get me a resolution and that 's when I found out that they had resolved my claim and I owed XXXX, which they stated was past due, but I never received any notice of such, so I immediately paid the XXXX but still had questions regarding the dispute, and where this XXXX balance was coming from. I was paying this, not because it was owed but because I did not want it to affect my credit but it ended up affecting it, and it should n't because I paid timely on that which I owed.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the XXXX to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. I request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (TX)

My credit report is showing a {$580.00} debt from XXXX which I have never had an account with them. That debt went into delinquent account which substantially lowered my credit score.
Consumer complaint received 2015-09-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: National Enterprise Systems, Inc. (IN)

I was making payments, however they were n't enough, so they sent me tocollections and then since they said I was in " default '' they would only take alump sum payment. First they said {$9000.00} then they said XXXX. I got them tolet me pay XXXX ( which I had to borrow ) and then I made 100 monthlypayments for 2 months after that, per the arrangement. I called back to XXXX know I could continue making payments, but they said " no '', back to thelump sum thing again only now the best I could get them to do was XXXX over3 month period. I really am trying. I explained to them back in XXXX that mycompany was bought out, I had to look for other work and now I am on acontract position, could end any time, but I am still looking for permanentemployment. I am paying on a ton of student loan debt. I have XXXX and can barely afford groceries, but hey at least I amtrying here, why ca n't they work with me?
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NJ)

In XX/XX/XXXX2015, I refinanced my mortgage w/Primary Residential Mortgage, Branch Office in XXXX XXXX NJ. Final agreement was signed on XXXX/XXXX/2015. However, after complete review with my son, and discomfort with changes in agreed Closing Fees and the percentage rate, I exercised my " RIGHT TO CANCEL '' and mailed proper form ( XXXX/XXXX/15 @ XXXX ) to Primary Residential Mortgage XXXX. I also informed the Branch Manager, XXXX XXXX of this decision. His immediate response was to make changes ( as first negotiated ) and another agreement was drawn and signed by me on XX/XX/XXXX,2015. 
XXXX XXXX I received notice from XXXX that servicing was transferred from Primary Mortgage. I immediately called XXXX XXXX and questioned the difference ( higher ) in the monthly payment amount. I was told a " research '' would be conducted and I would be notified within 7_10 days. When I received the first " Monthly Mortgage Statement '' I realized myself why the monthly payment was higher -- - INTEREST RATE INFORMATION on this form indicated a 3.990 % rate. I immediately called PrimaryResidentialMortgage with my concern that they transferred the first agreement, cancelled by me. I also called XXXX with these same concerns and again was told a " research would be conducted and this would take 7-10 days. My initial payment to XXXX was sent ( XXXX/XXXX/2015 late ) and in the amount of my signed agreement of XXXX/XXXX/2015. I have continued to make this monthly amount accompanied with a note the explanation for the difference. I have had other contact with Primary Residential Mortgage ( all initiated by me ). The last contact with them, ( XXXX/XXXX/2015 XXXX XXXX, via phone-followed by email ) indicating she was sending me a Mod agreement needed to lower my interest rate. This " overnighted '' package was not received until I called again and questioned its status ( rec 'd XXXX/XXXX/2015 ). As of this writing, I have not signed this document. My question is, " how do you modify an agreement that no longer exists? '' I have absolutely no faith in either Primary Residential XXXX, although I believe Primary is at fault for selling an illegal document and not admitting to this error or taking any action to resolve the situation.
Consumer complaint received 2016-01-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (MI)

I recently decided to let my granddaughter buy my car. She paid it off through the finance company on XXXX/XXXX/15. It has been over a month and we still have n't received the lien termination letter or the title for the car. 
We have repeatedly contacted the company to let them know that we have n't received the information and they have just mailed it out. It was, supposedly, mailed out to us XXXX times, but we have yet to receive any of that information. 
I have XXXX of my granddaughters listed on my account as the preferred contact, as she understands all of this more than I do, and they refuse to speak with her. They do demand that they speak with me, when it is listed on my account to have her take care of everything. They are always rude when we talk to them and all of us involved with this are completely frustrated.
Consumer complaint received 2016-01-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frederick J. Hanna & Associates, P.C. (closed) (GA)

The collection agency of Frederick J. Hanna and Associates are currently garnishing my wages on a debt that I believe I do not owe. In 2015, the firm submitted a garnishment order to my employer without any contact with me. I have made numerous attempts to contact the firm and was only successful once. On that conversation I was told that by a representative that he could n't provide me any information. I am attempting to obtain any information on the debt but so far I have n't been able to. I have never been served with any documents regarding the debt. Have never had a day in court to question the debt. The first I heard of the debt was from my employer when the first garnishment started. It appears that this situation/garnishment could possibly continue for many years. I would greatly appreciate any help that you can provide.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

We continue to see low scores from the XXXX credit bureau for many years, and especially Experian. Our payments are always made on time, and the rating we have been given continues to hinder our ability to refi our home which has a very high interest rate. The scores are based on debt ratios or credit card balances. The credit bureau are basing low scores on a few credit cards thus not showing an accurate rating considering an abundance of flawless accounts. We had spent many hours some years ago cleaning up inaccurate information and still the scores continue to remain low. We are not sure if taking legal action would help our situation, but life is too short to have credit bureau dictate our ability to get ahead when scores are based on half the information of an individual. I am sure their scoring methods hurt many families and I find it hard to believe that our justice system would allow this to continue.
Consumer complaint received 2016-03-23
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DFC Global Corp. (AZ)

I received a message from a XXXX XXXX XXXX from a " Plaintiff 's office '' regarding a case against me and I would be getting served a summons in the next two days. I received messages from two friends of the same message. I called the number right away and spoke with a XXXX XXXX. He said that he was a law firm preparing a lawsuit against me for a payday loan and due to the statute of limitations the creditor is taking legal action against me now before it runs out. It said it was over {$700.00} I owed plus attorney fees and costs. But if I agreed to pay today, they could work out a payment agreement. He stated he was representing XXXX XXXX XXXX. He provided my last XXXX of my social security number and information regarding the debt such from its original company. I agreed to pay the amount I believed this must be legitimate since he called my two friends and knew the original debt information and I did n't want a summons of a lawsuit against me. After I provided my information I asked for his company 's info. He stated he is with a company called XXXX which is a law office in XXXX, Texas XXXX. I asked for his direct number and he provided XXXX. He said he would be sending me a receipt by the end of business day. After the call, I felt like something seemed wrong because I felt as though they were pushing me into resolving this by threatening legal actions against me. So I called back and explained my concerns. He stated he would send me the receipt right away. I received the receipt in my email and it was very vague with limited information and the company was totally different from the company he told me he was with. I called the number on the receipt and a man answered. I asked what kind of company he was and he said it was for mediation services. Then he asked me directly if it was me calling. I said yes and he transferred me back to XXXX XXXX. I have since checked my credit report and this payday loan with XXXX is not listed on XXXX, XXXX or XXXX. Everything on my credit report is current because I have disputed incorrect charges that appeared recently. This company used scare tactics and possible legal action against me to get me to pay a debt that is past the statute of limitations and possibly may not even be assigned to me. From my research, I have determined under the Fair Debt and Collection Protections that threatening legal action is illegal and a company is not allowed under the law to take these actions. Thank you in advance for all help and guidance with this complaint.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I went to try and get a apartment for the XXXX time because i am ready and i got declined because they said i had broken leases. I have never rented a apartment in my life. I am XXXX years and now my credit is jacked up. I thought back of what could have happened and my whole life was stolen from me i have to get a new everything. I really need your help please contact me!!!! Im too young to be homeless.
Consumer complaint received 2016-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I have new issues with respect to a previously submitted complaint. 
My initial complaint was filed XXXX XXXX. The case no. is XXXX. The complaint was as follows : " I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application. '' Update : On XXXX XXXX, I received an e-mail from FedLoan Servicing that they had " processed my request. '' However, nothing has changed on my online account, and, on XXXX XXXX, I received my XXXX bill for a payment due still under the Income Based Repayment Plan. 
Also on XXXX XXXX, I called FedLoan Servicing and was informed of the following : 1 ) In order to process my request, my account had to be placed in forbearance, 2 ) I still had to pay the XXXX payment under the Income Based Repayment Plan, HOWEVER - because my account has been " inactivated '' - my payment would n't count towards XXXX XXXX XXXX XXXX, 3 ) I will need to pay a " forbearance fee '' of {$5.00} in order to switch my plan, 4 ) The forbearance fee will be charged in XXXX, and no other payment will be charged for that month ( so even if I wanted to make a payment towards my XXXX XXXX XXXX XXXX XXXX XXXX, that payment would n't count either ), 5 ) Ultimately, it will take until XXXX for my payment plan to be switched. Plus, I will make a FULL PAYMENT in XXXX that WILL NOT be counted towards my XXXX XXXX XXXX XXXX progress, and will not be able to make a second payment ( in XXXX ) towards that progress either.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (VA)

I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the CB to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and XXXX XXXX.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (OR)

My wife always pays the bills online and at least XXXX month inadvance. lets just start in XX/XX/XXXX. This was already paid onXX/XX/XXXX, then XXXX was paid on XX/XX/XXXX, then XXXX waspaid on XX/XX/XXXX, Then XXXX was paid on XX/XX/XXXX, then XX/XX/XXXXwas paid on XX/XX/XXXX, and finally XXXX was paid XX/XX/XXXX. Then XXXXI received a bill with a due date of XXXX XXXX that included a late feefee for XX/XX/XXXX of {$25.00}. As you can see, this charge should'NEVER ' have been applied because my wife was not just XXXX ahead of payments but several months. I dounderstand that sometimes computer billing systems maynot understand payments made in advance so I calledcustomer service and asked to speak to a supervisor andwas handled by XXXX. She saw the advanced paymentsyet she said she would not remove the late fee. This fee isactually a fee for paying early!! ABSURD!!! I want this XXXX not " waived as a courtesy '' as smugly as XXXX stated, but I want it removed because a fee for early paymentshould never happen. XXXX calls it a late fee, I call it beingpunished for paying early. XXXX also claims that a '' courtesy '' waiver '' was already issued on the very XXXXpayment. This should never have happened either. XXXX Jewelers said we would be billed in XXXX days butinstead we were billed immediately. When my wife noticedshe may be late if she paid online because it was alreadythe day of the due date, she went directly to XXXX XXXX and paipaid it with assurance that your firm would be called and the billbill be posted as paid on time. My wife listened XXXX on thephone to make sure things were taken care of. XXXX is nowstating that this constituted a " waiver '' for a late payment. 
Once again this was paid on time, albeit the same day due, but every payment since then was paid in advance!! At notime was our account EVER late!!! I want this {$25.00} fee takenoff of my bill, not as a courtesy but because it does n't belongthere in the XXXX place and neither was the XXXX incident. I alsowant XXXX taken aside and retrained in handling customers. 
She ended the call with a 'smug ' " Is there anything ELSE Ican help you with ''? XXXX did n't help me at all. She alsowould n't give me her bosses name or number in order for meto climb up the chain of command. XXXX stated that shehad the last word. Does XXXX run your firm or does sheanswer to someone else? If she does answer to someoneelse which I know she does, she needs to be made aware ofthis. Customers are owed satisfaction not insults!! Rescindthis late fee immediately or I will take further legal action. 
A very dissatisfied customer!!!
Consumer complaint received 2016-02-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditor's Collection Service, Inc. (VA)

I paid my co-pay and XXXX XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX Hospital bills.
Consumer complaint received 2016-03-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BlueChip Financial (WY)

I hit a rough spot and became unable to pay for simple things needed for everyday life. I asked for the automatic payments that were set up to be held after the bank tolde chances are they are not licensed to lend in Wyoming. Which after much research they are not licensed. They continually call me from numbers that are n't associated with the company. I am just wanting to pay off the remaining principal in installments. They will not contacte regarding this via email as I requested.
Consumer complaint received 2016-03-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I am writing a complaint about my mortgage company ditech, I was billed XXXX which was grossly incorrect, so I contacted them. While doing so I encountered a representative that treated me with a discriminatory tone because I am a recipient of assistance with my mortgage. My payments are divided into a percentage that I pay and the remaining is paid by a subsidy. I have not had any issues with my previous mortgage company regarding my payments, but this is the second such incident I have encoutered with my current one. The call I am referring to took place on XXXX XXXX, 2016 at between XXXX XXXX and XXXX XXXX and is recorded by the mortgage company. I was given XXXX different amounts owed during the call and finally the customer service representative said that after running the numbers she could not see where I owed the amounts stated but that it was about {$130.00}. She said she would have to get with her supervisor before she could say for sure. I was told that it was the fact that I get assistance that my statements are n't accurate and that I should n't go by my statements. I asked what other method could I go by to determine my payments.