davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC (GA)

XXXX XXXX I did a title pawn with XXXX XXXX XXXX XXXX. I begin to feel that my payments did n't affect my balance as my balance remains the same. XXXX XXXX I went to TitleMax and was told they can help me get my title back quicker and with a better plan than XXXX XXXX XXXX XXXX. TitleMax refinanced my pawn and I completed an application with a representative. I was told to make a payment of {$240.00} on XXXX XXXX. On XXXX XXXX I went in to make a second payment of {$240.00} and was given a different and higher amount now due, TitleMax would not accept my payment of {$240.00}. I was asked when I would have more money to pay the new amount and I responded on XXXX XXXX and given the amount now due of {$340.00} to be paid on XXXX XXXX. I returned on XXXX XXXX with a payment of {$350.00} and again TitleMax would not accept my payment. I was told to come back with a money order for {$490.00} on my due date. On XXXX XXXX at XXXX, I received a phone call from TitleMax. I was told my payment is due today, I responded that my due date is the XXXX. The rep told me that it was noted in my account that I am to bring {$490.00} on the XXXX. I responded I was told to bring a money order of {$490.00} on my due date and if my due date changed I was not aware of it. The rep told me I need to be in before closing in 15 minutes or the amount will change again. I told the rep that I am in class and I will try to make it in 15 minutes. I then asked if I could drop the payment off after class and she told me that it had to be posted before they closed. The call lasted about 5 minutes and with traffic I knew that I would not make it before closing time, therefore, I remained at school. Here I am again with the dilemma of being two months behind, with a threat of possible actions of collection against me because TitleMax would not take my payment.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (GA)

I had an account with XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. While having this loan I was called at least XXXX times a day, they would call my job and everyone of my references. The interest rate went from 29 % to 110 %. I could n't understand this at all and I do n't think thats legal. I had to finally file bankruptcy to get them to stop harassing me. my payments went from XXXX to XXXX a month. How am i suppose to ever pay this off. 
My name is XXXX XXXX My telephone number is XXXX Thank you for listenng
Consumer complaint received 2017-03-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diverse Funding Associates LLC (FL)

I submitted a letter asking XXXX/ DNF Associates to validate the debt. Neither XXXX/DNF Associates sent any information showing my signature on any contract that was sign with either of them. DNF Associated mail me a letter asking for a payment in the amount of {$150.00} as of this day I have n't received anything. I even sent a dispute to the XXXX credit bureaus asking for the same information and I have yet to receive it. XXXX said it was verified I asked how what documents were produce. NONE! so how was this account verified.
Consumer complaint received 2016-05-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (NY)

I opened a checking account at Ally Bank and deposited some money. A few days later I was told that I needed to submit identification documents and that the bank would have to review the documents before having access to my account. I have periodically called to check on the status, and I have been asked to submit the documents again. I also asked whether they could instead close the account and send the funds back to me, as I had set up an account at another bank while Ally 's review was going on, but Ally would not do this. I also asked for bank statements so that I may report the earned interest for my taxes, but they would not provide these either. ( I estimated the earned interest. )
Consumer complaint received 2017-02-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Butler, Butler & Rowse-Oberle, P.L.L.C. (MI)

Butler, Butler, & Rowse-Oberle PLLC filed suit against me without my knowledge. This firm is a debt collector attempting to collect on a debt to which they have no claim. They have no first hand knowledge and therefore can not be granted relief. 

The Fair Debt Collecting Practices Act 805 ( a ) states, " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' A correspondence dated XX/XX/2016 was received from Butler, Butler, & Rowse-Oberle PLLC, stating that they were retained to collect a debt and that I had the right to dispute the validity of the debt, which I did, because I have never conducted any business with Butler, Butler, & Rowse-Oberle PLLC. A Cease and Desist was also issued with the notice of dispute. 

According to the Fair Debt Collecting Practices Act ( 812 ), a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " It is no awful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. '' In reply to my disputing of the validity of the alleged debt, a correspondent dated XX/XX/2016 was received, where Butler, Butler, & Rowse-Oberle PLLC failed to provide sufficient proof of their claim to the debt. XXXX also sent copies of copies of agreements between XXXX and myself with intent to use as proof that her firm has claim to the debt. 

In addition, the Fair Debt Collecting Practices Act 811 states, " any debt collector who brings any legal action on a debt against any consumer shall in the case of action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located. '' XXXX of Butler, Butler, & Rowse-Oberle PLLC does not have a contract or interest in real property with me and therefore can not bring a claim on behalf of another party.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America sent me XXXX credit card offers checks for no interest for 12 months and 3 % transaction fee. I accepted the offer and deposited XXXX check into my account. They started charging me interest on both accounts. I tried to argue and tell them that this was 12 months no interest offer. They did not agree to remove the interest and said the offer was not valid if you deposit the check on your name. They said it had to be deposited on someone else 's name. I said If I had read that then I would have certainly deposited in my wife 's name and do an online transfer to my account. I said, there is no where written in the offer that I can not deposit the check in my name. They wrote me a written mail that it was written on top of check that the offer is invalid if deposited to your name. I requested a copy of the check to verify and confirmed that there was no such thing written on the check ( check and their communication is attached ). I tried arguing as this is a fraud and stopped making payments on both cards. Ultimately they ruined my credit history. Please look into this as I seriously need to buy a bigger house as my mother lives with us and i only have a XXXX bedroom house with XXXX kids, my wife and mother. I have attached their communication and copy of the check
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS (VA)

I had applied to XXXX and was denied auto insurance due to a report from Lexis Nexis. I had to stick with XXXX since no one else would insure my car ( s ). My XXXX auto insurance came up for renewal and XXXX sent me a Virginia adverse report due to information from Lexis Nexis. XXXX proceeded to hike up my auto insurance cost due to the so called report from Lexis Nexis. Following the instruction in the XXXX report, I wrote to Lexis Nexis to send me a copy of the report. They wrote back to say they could not verify my information and that I should call them. I have called several times, and no one has ever picked the call. If LexisNexis could not verify my information to send me my report, what information do they have to report on?. Unlike my free credit report, LexisNexis is very frustrating and difficult and I urge the government to save us from this unnecessary hardship and distress of several hours of phone call without any result. I deserve to have access to my report. Please compel LexisNexis to release my report so I can correct any factual errors.
Consumer complaint received 2016-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: College Loan Corporation (FL)

Is it possible to get a history of my student loan consolidation that includes loan numbers, loan types, the funds that were dispersed and the names of the institutions that were paid. It has been frustrating, i have called servicers, lenders, dept of ed, XXXX, numerous times for information. No one seems to have the details. Is there any way I can find this information so I know the loans that i have paid. There are discrepancies between my records and XXXX.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Paid someone for services rendered by check. When the check was presented to my bank, Wells Fargo, they did not pay the amount written on the check. Then when I discussed with them, they informed me if it was below {$60.00}, they would do nothing & I would have to write another check to the person. On XX/XX/XXXX, I received a letter stating they would do nothing & I went into the message center on my online account & found that someone at Wells Fargo had put a stop payment on the difference in the amount they were supposed to pay. During a conversation today, they informed me they debited my account for the difference and sent it to the payee. They claim there is no documentation on who requested or did the stop pay -- I did not! They sent me letters & did things without my knowledge or consent.
Consumer complaint received 2015-08-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (MN)

My daughter is in her XXXX year of XXXX at XXXX XXXX XXXX and the University of XXXX in XXXX, TX. She has taken out a number of loans from various financial companies to finance her XXXX education, including XXXX XXXX Loans and Citibank. She has always been prompt in asking for deferral or forbearance until she completes her program. Recently, she discovered that XXXX of her loans with Citibank had been sold to XXXX and then, in a very short period of time, resold back to Citibank, declared delinquent and then turned over to a collection agency. At that time, the debt collectors then began calling me to demand payment of the full amount. No one at any time contacted me about the past due status of the loans, nor did they contact her either by phone, voice mail or letter. The fact that the loans changed hands XXXX during this time frame has made communications very difficult and confusing. I should note that XXXX has loans with Citibank that ARE in deferral, adding to our frustration and confusion. Both my daughter and I fully intend to honor the debts. Had Citibank or XXXX acted in good faith and communicated adequately at all, this would have been avoided. All we ask in this complaint is that the XXXX loans be removed from delinquent status, that XXXX be allowed to pay the past due amounts and that repayment of the remainder of the XXXX loans be deferred until she completes her program in XXXX 2016. I would also ask that my credit reports from the reporting agencies be repaired by removing these delinquencies.
Consumer complaint received 2017-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (NJ)

This was from years ago. My bank blocked payment from an online casino deposit on XXXX. I paid last year to get it removed off my credit report. Now it appears 3 times again on my credit report.
Consumer complaint received 2017-02-04
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (NV)

Community bank holds my XXXX credit card. They have repeatedly made every effort for me to be late on every payment cycle and have refused to work with me. This is how their scam works. Today is Friday XXXX/XXXX/XXXX. My payment according to them is every XXXX of the month. I tried making a payment for today but the option to make the payment for today is grayed out. The payment system on their end says today is XXXX/XXXX/XXXX which is not correct. So the only option Im given is to make the payment for XXXX/XXXX/XXXX which triggers a late fee. I have had the card since XXXX of XXXX and have incurred XXXX late fees. I do n't have that problem with either XXXX XXXX or XXXX XXXX. In addition, I have made large payments which would put me in a " pay-ahead '' status essentially not making me owe any money for the next month. The latter is not the case. Im forced to make a minimum payment every month. I made a payment of $ XXXX XXXX credit limit. I turned around and tried to meet the remaining but the system does n't let me pay up to the XXXX limit. I feel they are not being veteran friendly at all. I have expressed my discontent to them by mail but their only solution is for me to schedule my payments up to a month in advance ( ludicrous ). Please help me in reaching out to them. I believe they 're making themselves rich by banking on people 's innocence who do n't know any better.
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a Department Store Credit Card. 
The " due date '' on my card is the XXXX of the month. 
I missed my payment by 4 days and made an in-store payment ( more than the Minimum amount ) on XX/XX/XXXX, 4 days late. 
The statement closed on XX/XX/XXXX, 2 days later. 
On my statement, I was charge a {$25.00} late fee and a 0.12 " interest '' penalty on the late fee. 
I then proceeded to pay my Balance " in full '' and a portion of the Late Fee. 
But, I was still charged an interest on the Late Fee. 
I requested a courtesy Refund of the Late Fee plus interest. They agreed to it. 
However, why is there no regulation preventing a Bank from charging interest on a Fee " during '' the month that the Fee is incurred, before the consumer is even aware of it? When I asked the Credit Manager why do they do it? He just said, because there is no regulation that says they ca n't. That just does n't seem fair.
Consumer complaint received 2017-03-06
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Harpeth Financial Services, LLC (TN)

I have filled out a stop payment form with bank and I have also filled out a form that stops them from taking money off my bank card as well. I sent them a certified letter stating that I am revoking my consent to use my bank for any future transactions/eft's/ACH ... etc, etc. I have offered them {$50.00} every 2 weeks but they are going to continue the 7.9 % interest per day on me!!!!! I will never get out of this!!!! Atleast I am trying to pay them and not running off and waiting till they take me to court ... ... .Their EPP ( extended payment plan ) agreement is very unfair!!! Advance Financial 24/7.
Consumer complaint received 2016-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RentDebt Automated Collections, LLC (TX)

After checking my Credit report i reached out to RentDebt and ask for an invoice to verify debt and balances owed I was provided the information over the phone I stated the charges were inaccurate the rep told me the invoice will be emailed to me in 24 hours. I did not received the email so I called back I then told in order to receive the documents by email I will have to verbally say on a recorded line I am not disputing the collection, which I refused to do! I feel this is unfair Practice.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CT)

Dear Synchrony/XXXX Re : acc # XXXX To XXXX XXXX I had called XXXX customer service in reference to missing credit data in the month of XXXX on my XXXX XXXX and XXXX credit report. After numerous attempts to rectify the missing reporting data for the month of XXXX, XXXX payment data has also not been reported to XXXX XXXX and XXXX. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.
Consumer complaint received 2019-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

Credit monitoring reported having an increase in student loan by {$1300.00}. Causing my credit score to drop. When contacted the company to find out why my loan balance was up by over {$1000.00}. No explanation given. I owed {$7000.00} and now owe over {$8000.00}. When checked the details of loan. No increase shown in my loans or higher percentage but yet my loan is more. Ive never missed a payment and have paid every month for over 9yrs. No reason why I would have extra amount on my loan.
Consumer complaint received 2016-05-30
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (OH)

Citibank issued a prepaid/debit card for a refund from XXXX XXXX after switching service from XXXX XXXX. This refund was issued in my deceased husbands name b/c the account was in his name. The card has been lost/misplaced and is due to expire on XXXX XXXX, 2016. I have contacted Citibank 3 times in an attempt to have the missing card replaced. They have refused to do so without paperwork from an executor. I have explained that there was not an executor of his will as nothing went through probate and faxed them the will ( twice ) to show that all of his possessions were left to me. They have not noted the account as such and say that they have not received the will. I find their refusal to replace the card invalid as the first card was sent out after my husband 's death and feel that they are keeping the money unfairly. I am a XXXX year old widow living on social security and the {$87.00} they are refusing me could supply groceries or other needs.
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (NY)

I was on the income based repayment program for about 2 years. During that time, interest continued to accrue which was then capitalized. The reason someone goes on a program like IBR is because their salary is not enough to allow them to make the regular payment. I checked the payment history today. {$68000.00} in INTEREST and {$35000.00} in Principal. The outstanding balance is still very high and accruing interest at 6 % ( higher than private lenders ). The amount I paid for the interest that accrued during IBR should be applied to the Principal. The true middle class of this country is going to be forever burdened with debt if they are paying student loans their entire adult life. If a private lender charged the amounts and had a disproportionate balance as I listed above, they would be in legal trouble for usury but somehow that does n't apply to the federal government. 
Who gets to hold the federal government accountable for this? 
It would also be prudent to allow people the option to have their federal student loan payments deducted from their check pre-tax. This provides the government with a guaranteed payment and saves the borrower from being double taxed- taxed on the income then taxed on the balance of the student loans. This option would provide borrowers with a little extra money in their pockets at the end of the month, perhaps so they can make additional payments on their outrageous student loans.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.