davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

XXXX XXXX now Navient : 1 ) Collected {$5400.00} during my Chapter XXXX process, and credited me for {$300.00} only. 
2 ) When Chapter XXXX was completed successfully in XXXX 2009, i put it on direct payment. Since then they have been collecting {$200.00} every month. Have now paid {$14000.00}. 
3 ) My credit report says I owe {$29000.00} still. 
4 ) Navient says my payments are for 20 years! So they say my last payment will be when I am XXXX. 
5 ) If I ask for a payoff amount, they say {$28000.00}. 
6 ) Years ago I asked them about the forgiveness program for government workers & they said I had to be paying them for 10 years before I could even get into the program. When I retired 3 years ago, I had given XXXX 29+ years of service. 
Nobody wants to help me. I am so disheartened. 
Please help me! I just want a fair accounting. My loan is 4.875 %
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchase an airline ticket with XXXX XXXX on their US website for around XXXX USD on XXXX/XXXX/XXXX. The fare was quoted in USD and I paid in USD with my Bank of America ( BofA ) credit card. After I received my credit card statement I noticed BofA went on to charge me foreign transaction fee of XXXX USD, which is not insignificant. However on the credit card statement the fare amount was in also in USD. 
I contacted XXXX XXXX on XXXX/XXXX/XXXX complaining and they assured me that my ticket was paid in USD and not in XXXX and was routed through their New York office. 
I contacted BofA on XXXX/XXXX/XXXX to reverse the transaction fee and they told me to read my policy which states the foreign transaction fee. I told them what XXXX told me that the funds were routed through their New York office. I told Bofa that this could not have been a foreign transaction fee, because the transaction was not sent overseas and that the funds remained in the US. On top of that the fare was quoted in USD and I paid in USD. 
Bofa kept being uncooperative, telling me that XXXX XXXX have their office in XXXX hence the transaction fee. 
Even after XXXX representatives I was getting nowhere. 
I asked the customer service rep to provide me with documentation that XXXX did not charge me in USD but in XXXX, including the exchange rate. The Bofa rep was still not cooperative. 
It 's fraudulent and misleading to charge XXXX unaware customers illegal transaction fees. And especially if it a FOREX fee, Bofa needs to provide documentation and the exchange rate of such transaction.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information accounts Consist of at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XXXX, I started to notice large sums of money was missing from my bank account. I would call and report it and some of the items were credited to my account. Then I noticed transactions performed that I never did and did n't even have a destination. Checks that were presented were returned allegedly and then I see that they cleared in my account. Deposits made did not reflect in the account and some deposits were made to appear as withdrawal transactions. It started to get worse in XXXX. I had no idea what was going on ad how they were doing this. I noticed several transactions electronically made to stop and shop. I called stop and shops corporate office and they told me no electronic transactions were made or returned. I called telecheck who clearly state to me " it 's your bank ''. I then filed a police report with the local police who did nothing to investigate it. I was told all the transactions had been refunded. I made two deposits one day apart in the same amount of XXXX one of which was a check and another which was a check for XXXX and the rest in cash. These were funds from my home burning down and donations were collected. The cash deposit had disappeared and the check was put on hold, cleared the hold and then a check came in and they still returned it. I went to close the account and was told by the branch manager it was closed. They then put through the same check again overdrawing my account and taking my XXXX XXXX payments for me and my children. I was told everything was to be credited. In XXXX I was told they were going to close the account. That was fine because I already did. Meanwhile they opened anther account performing erroneous transactions. There were transactions made when at ATM 's when I did n't even have a debit card because the ATM machine took it. I contacted the corporate headquarters numerous times speaking with XXXX XXXX a customer advocate who was of no assistance she would not return the missing money. It is thousands on top of thousands saved during my 9 month trial work period. I recently ordered my statements again to see what the transactions were reporting as and they are all totally different from the original statements. All of the money refunded was taken back. The other account they opened they sent a letter saying they could n't find the other account information. Bank of America legitimately stole a XXXX single mothers savings!!
Consumer complaint received 2017-01-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (CA)

Dear Officer, the original creditor, XXXX XXXX XXXX, never submitted a statement nor any reminder for a medical service provided to me on XXXX/XXXX/XXXX despite other similar statements were duly received, including a statement dated XXXX/XXXX/XXXX related to other services also provided on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, while at XXXX XXXX XXXX for other services, upon my suspicious that something was wrong, I checked the account in person and paid the amount due of {$590.00} of which I hold a receipt. Today, I received a letter dated XXXX/XXXX/XXXX from State Collection Service requesting a payment of {$590.00}. In addition, please note that XXXX XXXX XXXX has yet to provide a statement for the XXXX/XXXX/XXXX service and for services at a later date, making me suspicious that this is a recurring practice. Please investigate into the practice of both XXXX XXXX XXXX ( not sending a statement, not sending a reminder, selling an already paid debt or not cancelling it after accepting a payment ) and State Collection Services Inc. ( trying to collect an already paid debt, potential links to XXXX XXXX XXXX bad practice of not sending statements and whatever else you may find ). 

Best Regards, XXXX XXXX, Husband and financial guarantor for XXXX XXXX State Collection Service Inc. Client Acct # XXXX
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (NJ)

XXXX XXXX continue to charge enormous charges on an old account that I had with them in 2010. I am also apart of a class-action law suit against them for overcharging consumers. the company has XXXX different account on my credit report that is affecting my credit and damaging my credibility. Every time I check my credit report there are increasing charges add to my account.
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (RI)

For about 2 months, I have received several hangups per day. If I call back, I get Halstead Financial Services regarding an 8 year old XXXX XXXX account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by Halstead Financial.
Consumer complaint received 2016-05-24
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Phoenix Financial Services LLC (CA)

Collection agency called me at work and my cell phone in an attempt to collect a debt. When I asked them not to contact me at work as it is prohibited, they told me they would continue to do so. They have my cell phone number and can contact me via that method. The representative said then threatened to put this on my credit, to which I stated it already was by another collection agency. They wanted me to set up payment arrangements for this debt, I said I could not do anything at this time. They said they would mark it down as a refusal and hung up on me giving me no options to make any arrangements in the future.
Consumer complaint received 2016-10-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MO)

My bank had approved me for a car loan and I went with a company who said they would take over the responsibility and roll my payment for Wells Fargo into my new loan with their company. I had the car quite some time before they asked me for more information needed to close the deal and the car and had paid several payments. The deal ended up falling through because the money that my bank approved me for was not enough for what they were asking for the car. I paid on time and thought they were paying on time. I have been marked late multiple times after I have sent paper work showing them the loan my bank had approved me for and how I was doing business with the other company, that took over responsibility for paying my loan. I take pride in paying my bills on time and have disputed information they have reported and instead of looking at the timely payments I 've made in the last two years and seeing something had to have transpired and looking more depth into what has happened they keep brushing it under the rug and not trying to see how they can help resolve the issue. As soon as the loan fell through I took back over the payments and paid the account off in which that is what shows at this time. Not to mention Wells Fargo started trying to charge for some type of card I never had with them and for some reason they could never find information on when asked.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (TN)

I applied for XXXX benefits at my bank, Navy Federal. They have applied the benefit to all of my accounts except my mortgage. Their reason is that the mortgage was taken out while I was on XXXX XXXX previously. While I have been off XXXX as a XXXX for about 5 years, all of my accounts and loans from every company were started during my original XXXX XXXX date. My federal education loan, XXXX accounts, and my local bank all have applied the relief during my time XXXX. Navy Federal has applied it to my Line of Credit and Credit Car accounts which were started when I was XXXX XXXX. However, for my loan, they are stating since it was started on a previous XXXX XXXX period ( as opposed to the current XXXX XXXX recall period ), they will not apply it to my loan. I spoke with my XXXX on base and he recommended that I file a complaint here.
Consumer complaint received 2016-12-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I have been late on my loan payment since my husband lost his job. I have made a deferred payment for XX/XX/2016 payment. They make calls and leave messages for me every day, send me mail. Which is fine I understand the loan needs to be paid. Now they came to my home. Calling all of my references repeatedly. I already explained to them my situation. They came to my home yesterday, spoke with my husband. So we know the situation. I am making every effort to try to get the money together. Still today they call my father. He has a XXXX XXXX. I do n't need him to know that I am having problems paying my bills. Once a week, mailed letter is fine to remind me that I am late on my payment. This is harrasment. Springleaf bank/One main Financial.
Consumer complaint received 2016-06-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Gold Star Finance, Inc. (TX)

I am unable to make my payment until the middle of next month. When XXXX called me she said that I needed to pay now and that waiting until next month was unacceptable. We lost connection and she called me back and left a voicemail stating that we need to handle this like adults! Really, I called and tried to make arrangements as an adult to get an extension and this lady wants to tell me how to adult! In my opinion XXXX is very unprofessional and needs to have some training done on how to react to customers!
Consumer complaint received 2017-01-13
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

lender sending my contact info to warranty companies and these companies are trying to swindle me out of money for extended warranties, contacted the local company yesterday and person i spoke with was veryrude and said they would never force me to get a extended warranty but XXXX companies called and i was told by both that i had to have this true auto XXXX and national vehicle head quarters XXXX, now this company said i was refinancing a new vehicle false still have same truck 2009.
Consumer complaint received 2016-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (WA)

I applied and was approved for the public service forgiveness loan ( PSFL ) program. FEDLOAN transferred my account from XXXX to their program. There was approximately 30 days between the transfer eliminating any functions to pay my loan. Once an online option was provided by FEDLOAN, it was over due. When I contacted FEDLOAN they advised that after an additional " review '', my payment option was not accepted by the PSFL program. This was not clearly explained or disclosed. They advised I was approved. Now they say I am not after the transfer my loan to their private company. 

FEDLOAN approved my application for PSLF and was allowed to have access to my account prior to their original review process. They did not provide an opportunity to pay my loan, causing a overdue debt ; and mislead their ability to operate the PSFL program. 

I wish to have my overdue debt removed and placed on the PSLF, as previously promised. 

Thank you.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (CA)

I reported this on XXXX/XXXX/2016. I checked the status of my case and it says that it is closed with non-monetary relief. The problem is, they are still calling every weekday and multiple times. If it is closed, then why are they making multiple calls?
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FIRST ADVANTAGE CORPORATION (TX)

I applied for a job with a company called XXXX. I had to pay {$7.00} for my background check. Within days, I was denied employment because the consumer reporting agency they used claimed that my social security number could NOT be validated. In speaking with First Advantage, I was advised that because I have a security freeze on my credit reports, they could not validate my SSN. I find this very disturbing as there are other ways to verify someone 's SSN. Additionally, within the report myself and the employers was sent, it uses deceitful verbiage such as " Ineligible '' and " the SSN does NOT belong to the consumer in this report '' which is not only inaccurate, but is misleading and defaming to my character. First Advantage told me I would need to lift the freeze so they could re-process the background check. I was already DENIED employment because of their inaccurate information so would n't that information been more valuable to me had they told me PRIOR to completing the background check? Should n't it state that we pull this specific credit file and would need it to be clear of freezes? In fact, typically when there is a freeze, I am contacted by the company trying to pull my credit and asked for the security code to access the file prior to being DENIED or considered INELIGIBLE. This process is required under the FCRA when pulling a credit report that has a security freeze. Neither was done. Further, not all of my credit files have a freeze. How was I to know which XXXX they pulled? I am disgusted by their violations and the damage they have caused. When I reached out to XXXX they were of no assistance and put the issue back on First Advantage as if they were the decision makers for employment. I 've been labeled " ineligible '' for employment and I 've done nothing to deserve that. This entire process between XXXX and First Advantage should be looked into.
Consumer complaint received 2017-01-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (FL)

US Bank claims they had to write-off money on a car loan I had with them. They did not. In fact, they sent me a refund check for my overpayment to them. After the car was totaled, the insurance companies were slow to pay, so US Bank reported me to the credit reporting agencies for issues over which I had no control.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My credit card was opened in XXXX. At some point in XXXX, electronic delivery of my statements was activated without my permission and I failed to receive notification that my account was overdue. They never attempted to contact me via United States Postal Service. I became aware of the unpaid balance when I got a copy of my credit report showing the 30-day delinquency in XXXX XXXX.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX : Unauthorized Credit Inquiry Dear : Equifax, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX., BEST B - XX/XX/XXXX XXXX XXXX C - XX/XX/XXXX KOHLS/CAPONE - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CRED - XX/XX/XXXX XXXX XXXX DEALER XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-12-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc. (MS)

I continue to get harassing phone calls from Clearspring Financial. I recently received a letter in the mail with them threatening me that I must pay back a loan that I never got from them. I went through a foreclosure in 2011 and they sold part of the loan to Clearspring. They changed their name twice since 2011. I already lost home and now it appears that I 'm still being held accountable for something that was foreclosed upon in 2011. I have paid Clearspring money because they used some very aggressive practices when I was initially going through the foreclosure. I was literally afraid of what may happen. Now, I 'm tired of being threatened by them and having this thing over my head for years. Can someone stop them??