davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

Equifax re-inserted accounts on my credit that do not belong to me without proper verification. I requested that Equifax verify the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit reporting agency must give you the method of verification information within 15 days of your request. Equifax have not done so. These are the accounts that do not belong to me : XXXX, XXXX, XXXX XXXX, XXXX, and XXXX 2007 account.
Consumer complaint received 2016-01-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (WI)

My wife had an accident with a deer on XXXX XXXX with our 2012 XXXX XXXX and it was totalled. XXXX XXXX told me they paid FirstMerit {$10000.00} on XXXX XXXX. ( Loan Number XXXX XXXX ). We also had XXXX XXXX through XXXX XXXX on the car and the rest of what was owed to FirstMerit was roughly {$2600.00}. Finally this morning XXXX XXXX, after many calls and conversations with XXXX XXXX they finally had all the information they needed to pay the rest of the car off ( Their reference numbers for our case was XXXX and XXXX. 
FirstMerit called yesterday XXXX XXXX and wanted a car payment of {$290.00}. I believe I talked to a XXXX. I said we would not make that payment because the XXXX XXXX from XXXX XXXX was covering the rest of the car loan. She knew that was the case but still wanted our payment else would be delinquent on our payment. I contacted XXXX XXXX this morning and all the items they needed to pay off the rest of the loan were in order and the money would be allocated within 5 to 7 Business days. I figured I would call FirstMerit back and I got hold of a Man by the name of XXXX XXXX. I told him about XXXX XXXX making the rest of the loan payment within 5 to 7 business days and he said he would make a note of that. Then he proceeded to tell me we would be reported for 30 days over due because in 5 Days our payment would be overdue and we should make that payment of {$290.00} to stay current. I then proceeded to tell him everything I had told him before about XXXX XXXX making the payment within 5 to 7 business days and he came back with the same statement about we would be reported for a late payment if we did not make the {$270.00} late payment. I again told him the money would be there from XXXX XXXX and he said we would be considered 30 days late in 5 days. I asked him his name and he told me and I told him he should consider the circumstances and not consider us late. He then repeated the same 30 day information he had told me 2 times before. I told him to mark this down on his computer that we should not be late because the money was coming from XXXX XXXX. He said he could n't do that and started his 30 day speech again I was getting rather disgruntled with him so I said I was going to report him to a XXXX. I then hung up and got this information to make a complaint. 

Desired resolution is that we should not be turned into anyplace for a late payment. If it has been put in some record it should come off from our record immediately because of the timing of this whole issue. By this time FirstMerit would have received all their money and the late fees of {$20.00} should not apply also. 
I believe that XXXX was quite unprofessional and did not care to hear anything I was telling him.
Consumer complaint received 2016-02-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc (PA)

Harley Davidson is calling the office for debt collection of an employee that has not been here for over 2 years. When I return there call and try to explain they inform me that they ca n't remove the office number because we do n't have an account number. I do n't know which ex-employee they are calling about so we ca n't get them to stop calling. No name, no information so the calls keep coming multiple times a day and it interferes with us doing our work and we are a XXXX that needs to work with the residents, not get tied up with a debt collection of someone who has not worked here for at least a year.
Consumer complaint received 2016-01-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Re : Your email dated XXXX/XXXX/XXXX on the Case number : XXXX Dear Sir or Madam : The response provided to you by Bank of America regarding my complaint is completely untrue and, in contrast, proves my claim that the BOA has utterly failed to provide notice in a timely manner before they improperly charged me {$100.00} or more in fees because : 1. one and only notice that the BOA provided to me was too late in that I received it in the mail on XXXX/XXXX/XXXX ; and 2. When I protested such unfair fee charges in person at the XXXX XXXX branch around XXXX XXXX on XXXX/XXXX/XXXX, the guy at the branch told me that I should have acted a lot earlier, which the BOA had made totally impossible for me. 
Again, I request that the BOA refund me any and all charges and be sanctioned properly to protect consumers like me from the same misconduct in future. 

XXXX XXXX
Consumer complaint received 2016-03-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

I discovered a collection account from California Business Bureau recently. I knew nothing about this bill because they never contacted me before placing it on my credit, which by law, they are required to do. I immediately disputed it with all XXXX credit bureaus and they have 30 days to contact the original creditor to verify the account. They responded back in a week that they had done so and the account was indeed mine. However, I contacted the hospital office that they were supposed to and they assured me that they had NOT heard from California Business Bureau AT ALL. Which means they are committing fraud and violating the FCRA. I did research into California Business Bureau ( XXXX, XXXX, etc. ) and this is how they conduct their business on a daily basis. They regularly threaten people to make them pay bills, illegally take money out of people 's bank accounts, give people fake account numbers so they payments do n't credit, pretend to be linked to the State of California and exactly what they did to me, reporting a collection account to the credit bureaus without notifying the person and more.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the fair credit reporting act account # XXXX has violated my rights. 
15 u.s.c 1681 section 602 A .states I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-12-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (TX)

I opened a checking account online in Discover website on XXXX/XXXX/2015 and used a promotional offer from Discover. The offer code was " XXXX '' and as per offer terms and conditions if I open the checking account within XXXX and complete XXXX direct deposits of each no less than {$250.00} within 60 days, then I will get {$300.00} bonus in my checking account. 
My account was opened on XXXX/XXXX/2015 and I did complete XXXX direct deposits ( each direct deposit was much more than {$250.00} ) only within 30 days of my account opening. However, so far I have not received the {$300.00} bonus in my Discover checking account yet. I called Discover customer service quite a few times. But unfortunately they just asked me to wait without solving this issue at all. 
I request Discover to follow their promotional offer terms and conditions and post the {$300.00} bonus to my checking account as soon as possible.
Consumer complaint received 2015-12-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (OH)

I have mostly federal loans but I have a private loan as well. After graduation, my loan was assigned to XXXX XXXX. That was a great agency. The representatives were always helpful and explained things in detail. My account was then switched to ACS Education Services. I have experienced numerous communication issues with ACS. There is always a lag time between when I submit documents, the acknowledgment of receipt, and processing those documents. On XXXX XXXX, 2015, I resubmitted my Income Based Repayment application because of an error that I made. My payment date XXXX XXXX XXXX ) was approaching and I called on XXXX XXXX for the status of my application after checking the website. I was told the application had not been processed and was offered a temporary forbearance for my XXXX payment. I accepted that. I waited a couple of weeks and called XXXX. I was told my application was processed and approved XXXX XXXX. I did not receive notice of the application approval and was told the application was no longer useful because of the forbearance. I asked the agent, XXXX, if I needed to resubmit the application. She told me no and that she would resubmit it on my behalf. I waited and did not receive any correspondence from XXXX nor was anything updated on the website. On XXXX XXXX around XXXX p.m., XXXX called me ( I found this unusual ) to tell me that I needed to resubmit the IBR application that she originally told me I did not have to submit. I asked her why there was not clear instruction when I specifically asked and what I should do about my XXXX payment. My account was placed in forbearance again " as a courtesy ''. I resubmitted the XXXX application again on XXXX XXXX via fax. I have a fax confirmation. I checked the website XXXX XXXX and received a message that I should check XXXX XXXX. I checked the website on XXXX XXXX and called. I was informed by the representative that my paperwork was received but that it was still pending. I have not received any correspondence or communication from XXXX. I am beyond frustrated because I have had to spend a great deal of time trying to pay the money I owe at a rate that I can afford. ACS is difficult to deal with, has a poor website, and communication is lacking.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've had a loan with XXXX since XX/XX/XXXX and have paid every month on time. On my credit reports XXXX is reporting no payments from XX/XX/XXXX to XX/XX/XXXX. I have called and written them and they wo n't change the reporting. They say they ca n't report my payments because I was in Bankruptcy. That does n't prevent them now from reporting the on time payments I made every month. I know during a bankruptcy creditors ca n't try to collect but this issue is nothing like that. I paid on time and the credit reporting should reflect that.
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Other fee — 
Company: PNC Bank N.A. (NJ)

please make sure you escalate to someone other than XXXX XXXX. he has not responded to my calls and sent merely a script not addressing the issues. Please send to ceo. if i get an answer from logan i will be incensed and demand someone else. i again got interest. pnc limites the times you can pay from an external account so i made a payment on XXXX when it was clear i intended to pay the whole balance. like my record indicates and it zapped me with a minimum interest charge. i want it back. in addiiton when i called to pay the hold time was over XXXX hour. what else could i have done? due date was XXXX on card XXXXcan not use my cards now. 
i want this sent to someone else and handled. this is pure greed and trickery. please refund my interest. without a script or explanation of how its charged as i am not asking that and that is not the issue. 
either make it easier for someone to pay externally or do away with interest but no traps.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MN)

I had a Toys R Us issued credit card that went delinquent. It was sent to a collection agency, they are reporting it to my Credit Report. My account was sent to a different collection agency and they are also reporting it on my Credit Report, so XXXX collection agencies are reporting the same on my Credit report damaging my credit further.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2015-06-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Dream Center Education Holdings (MI)

My name is XXXX XXXX. I am a widowed mother whose XXXX husband and myself attended Education Management Corporation 's XXXX University for a short time in 2009. I myself only attended for just under XXXX months, but XXXX claims I was there a year taking classes I have no recollection of attending. A letter I received from XXXX 's Assistant Chancellor for Student Affairs, XXXX XXXX, states in it that they charged me for a class I never attended. It also states that I never attempted to use the tutor service, which is not true, I attempted to many times with no answer. XXXX University, the online division under EDMC specifically, has had a whistle-blower named XXXX XXXX allege job placement fraud, which I can certainly say I was a victim of. Every call I made for help, I was sent to dead-end voicemails that never got answered. When I tried to leave the school, no one was there to help me with the process. My fianc, to whom we have a XXXX month old baby boy, has been making XXXX predatory schools, and we have been harassed and abused by XXXX XXXX and EDMC 's lawyer XXXX XXXX. The Department of Education keeps these schools alive that have defrauded America 's future professionals of the lives ' they deserve. EDMC only cares about money, we students are treated like a hindrance to this goal of theirs. The ED looks the other way and ignores cries for help. I have already sent letters to my Michigan AG, and the Michigan XXXX. XXXX University should never have had a license per XXXX XXXX allegations. While this case is under trial, it makes me wonder how the ED has the right under the 4th amendment to seize my tax refund, and hurt my family tremendously. I am on strike for this fraudulent debt, and if the Government illegally seizes my tax dollars again, everything will be documented. I have proof I 've found that I will send to you, and I also need to follow up and send new information to all the State and Federal Departments I have already sent letters to. Please Help, XXXX XXXX
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The XXXX charges on my credit account has been paid in full, and have not been removed from my credit acct, which causes me to have a lower score than I should. Please look into this matter, as it hinders me from obtaining credit.
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

I previously submitted a complaint, which is unresolved, regarding several watch warranties purchased over a year ago. The watches were all recently sold and no longer in my possession, some kind of refund should be issued. I have receipts for all four warranties purchased and refund policy pertaining to warranties is not listed anywhere nor was it disclosed at time of purchase, contrary to what Zales and Citibank claim. Their thirty day return policy pertains to store merchandise, not extended warranties such as these. I have an email from Zales stating to take receipts to local Zales store for full refund and also spoke with a rep named XXXX who also stated the same and even called the store to advise them to issue full refunds. He spoke with XXXX, store manager who got approval from district manager. The case number for this incident is XXXX, the total paid for all four warranties is XXXX. A XXXX dollar gift card was offered by XXXX XXXX in executive office, however, this does not even remedy matter as it is a portion of what was paid. The store was unable to issue refunds as their system is new and would not allow it, their POS ( point of sale ) computer is new and the transactions are over a year old. XXXX referred the case back to XXXX XXXX and left notes to issue a refund in form of a check because system would not allow credit back to credit card. Please advise Zales/Citibank I need a check in the amount of XXXX to resolve this. Complaints have been filed with Texas Attorney General, XXXX XXXX as well as Connecticut Attorney General. I have also forwarded information to Attorney XXXX, a class action attorney for possible suit.
Consumer complaint received 2016-01-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (MN)

To Whom it May Concern : I was sent a letter from my mortgage company with a return address of XXXX XXXX. Inside it mentioned a Bi-Weekly Program that promised to save me interest over time and I believed to be through my mortgage company. I signed up for the program and {$7500.00} was taken out of my debit account in XX/XX/2015. I learned on XX/XX/XXXX via a letter that it was a non-affiliated company, Nationwide BA and that they did not have bank funding to make my XX/XX/XXXX payment. I tried calling the company number provided to get a message, " We are currently experiencing technical difficulties '' and gave an e-mail address. I tried to e-mail but got an automated response. I have talked to my mortgage company and they received {$6900.00} from this company. Nationwide BA misappropriated {$510.00}. My bank reversed the last {$500.00} that was taken out of my account. I am not asking for the {$15.00} back from Nationwide BA but they are going to send the {$500.00} to collections that was reversed by my bank. When I tried to resolve this matter with XXXX XXXX at the extension provided XXXX XXXX Ext XXXX ) it hangs up. I waited on hold for over an hour and could not speak to a representative. I understand that the CFPB has filed a lawsuit against this company. I feel that this company misrepresented who they were to me on the phone.
Consumer complaint received 2015-11-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Stearns Ventures, LLC (NC)

We bought our home in XXXX, 2014. We made timely payments and XXXX of us lost our jobs so we contacted our mortgage company to set up bi-weekly mortgage payments, which was fine as long as the full payment was made by the due date each month. Needless to say, come a few months later, their mitigation department started sending back our mortgage payments stating that our due date was the XXXX, which it was the XXXX, and we never went that further than the XXXX of each month. We needed a loan modification for bi-weekly payments, when in fact, in our mortgage documents at the closing table, we signed up for it in the very beginning, we just decided to make the full monthly payments at the time. No one tried to contact us, mail us any form of loss mitigation form, new FHA streamline refinance options like other mortgage companies were doing. We never heard a word, until a law firm tried to foreclose on our home. We had to take a huge loan out on our XXXX just to keep our home! The law firm told us to contact the mortgage company, mortgage company hung up on us repeatedly. Cussed us out then hang up. It was a constant headache and circle. We do not want this to happen again. Now we ca n't refinance due to this company for months and are afraid this will happen again!
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Other — 
Company: Army and Air Force Exchange Service (MA)

A Military Star Credit card, aka Take it Home Today, was settled in a dispute resulting in no balance due following settlement. As part of the settlement, the company agreed to remove the item from all trade lines. As of today the information for account # XXXX is still showing on the " XXXX '' credit reporting agencies trade line under my name, and is a violation of the agreement made by the company almost a year ago.
Consumer complaint received 2015-06-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I am trying to obtain a legible copy of a check cashed against my mother 's account on or about the day she passed away. I am an executor of her estate. There is a {$5000.00} discrepancy in the balance and I have not been able to obtain a legible copy of the back of the check. I have a copy of XXXX sides from the bank but only the front is legible. The back is too blurry to read. I will attach a copy for your review. I have contacted my mother 's bank and they state that sometimes " that 's the way the check copies are, and they do not know where the original can be found ''.