davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: Bread Financial Holdings, Inc. (CA)

We have a dentistry loan ; my husband needs massive dental work, and despite having XXXX dental policies, we 're still regularly paying thousands out of pocket for his care. We were granted a loan at our dentist 's office through XXXX ( a 3rd party credit card that our dentist contracts with ). On its face, this loan is attractive - there 's a one year no interest grace period. However, after that year, the interest rate becomes 23 % and the interest is compounded. We had always planned to pay the balance off before the 23 % and compound. 

A few months before the grace period expiration, my husband needed another {$1000.00} in care. We were offered another loan, and we asked, " will this resent the grace period on the loan? '' We were told that it would at the dentist 's office. It did n't. We noticed an additional fee of almost {$1600.00} earlier this week, so we spoke first with our dentist about it, thinking that it was an office error. 

The dentist 's receptionist who gave my husband the information that the new charge would reset the grace period, ( XXXX ), was unhelpful and went and got the office Manager, XXXX. XXXX explained to us that the grace period would only be for the new balance and that even though we have XXXX card, it 's counted as XXXX transaction. We told them what we had been told, and they shrugged it off with a half-hearted apology. It would have been nice to know all this three weeks ago. 

I have already discussed the situation with the dentist 's office and reminded them of the laws governing contracts and contract fraud - as well as the fact that intent to defraud is n't required. We also contacted XXXX - the best that they could do was remove XXXX of the XXXX interest, DESPITE the fact that we paid the balance in full today ( {$5600.00} ). 

My issue is that 1. there 's a communication error somewhere between The XXXX XXXX and the people signing customers up for their product. 2. That miscommunication is costing people copious money - XXXX on XXXX principle is ridiculous. 3. Once the error becomes obvious, there 's no recourse to the consumer. 4. Individuals at the XXXX XXXX are n't all rude but XXXX that we dealt with were very rude in discussing this. 

We have always paid our bills, and I feel that this is a scam to lull sick people who need large amounts of dental care into these ridiculous interest rates and unacceptable business practices.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now 5 % usage ( vs 7 % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (FL)

On XXXX XXXX, XXXX, Ditech Financial LLC had their lawyers draw up a contract to fully reinstate my overdue mortgage. I executed their contract by paying the {$90000.00} delinquency requested. On XXXX XXXX, XXXX I received a statement that stated I owed an additional {$66000.00} listed as corporate advances. I have sent them two letters explaining to them that the executed agreement did not include the {$66000.00}. If you look at the detail of that amount on page XXXX of the agreement dated XXXX XXXX, XXXX you will notice the corporate advance amount was {$3900.00} which was included with what I paid. Then after I made this payment the {$66000.00} appears on my statement which was not a part of this executed agreement. Now Ditech sends me an apology for the confusion and adds another page to the agreement dated XXXX/XXXX/XXXX which includes an additional {$63000.00} for corporate advances. This to me is some type of fraud to make an agreement and after it is executed to change the original agreement. My contention is that I do not owe Ditech Financial LLC {$66000.00} for corporate advances.
Consumer complaint received 2016-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (IL)

Dear sir/madam, few months back I submitted a complain concerning a company know as XXXX XXXX for collecting a false debt from me. 

Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as COMMONWEALTH FINANCIAL put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company COMMONWEALTH FINANCIAL told me that they bought some debt from XXXX XXXX that has my name on it. 

dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't. 

this is I D theft i will be glad if your office look into this matter
Consumer complaint received 2016-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I found out today that due to Bank of America mistakes I am now on the blacklist at early warning services and other banks are not willing to give me an account. 

On or about XXXX XXXX 2016, my dad and myself went to a BOA branch in XXXX NY to open a bank account for our business. 

After the rep opened the account she took me to the ATM and had me deposit a check of {$9900.00} via the ATM. After the check went in a receipt was printed indicating that the check will be held for 7 days which was not acceptable for us. 

We immediately told her that it was not acceptable and we want the check back. The rep told us that it is not possible and got us the manager when we requested. 

The manager told us that it is not possible to get the check back and suggest that we put a stop on the check at our other bank. I responded that I will do so if BOA will absorb the fee associated. The manager told me he can make some calls and waive the fees from XXXX XXXX. About 15 minutes after I was told that a XXXX rep wants to talk to me regarding waiving the fee. 

At this point the manager at BOA was able to get the fees waived for a stop payment for the check that was in the ATM. I went ahead and confirmed with XXXX that I wanted to stop this payment. 

A few days later I was informed that the BOA account was being closed due to the first check getting returned. I was ok with that. We then went to our local XXXX XXXX and opened an account only to find out a few days after that they are closing it due to the reports of Bank Of America to XXXX. 

I would appreciate if someone from BOA would clarify with early warning services as to why they closed my account. 

The ATM number XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

Currently I have multiple private student loans through Navient ( formerly XXXX XXXX ) totaling {$52000.00}. These loans were taken out over the course of the years XX/XX/XXXX and XX/XX/XXXX for my XXXX degree. I have never missed a payment and my student loans have recently come out of deferment ( for the second time ) since I graduated with my XXXX XXXX. I have called twice and requested that they work with me to lower my monthly payment, which is currently {$380.00}. I do not qualify for IBR. I have twice been told that the only way to get assistance would be to default on my loans. I do not want to default on my loans because I value my credit and my mother is my co-signer. My mother is currently unable to offer any financial assistance. Navient has told me that there are no other options and my monthly payment can not be lowered or extended in any way. I believe XXXX/Navient was predatory in the issuing of these loans to begin with and now they are unwilling to make any changes until I 've destroyed my credit. I have looked into refinancing through another company but so far have met little success due to the requirement of a co-signer.
Consumer complaint received 2016-09-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

XX/XX/XXXX my mother ( XXXX and XXXX ) refinanced the mortgage the house through XXXX. This was sold to her by an aggressive mortgage broker using a interest only negative amortization loan, which I advised her not to due, because these were bad products. 
XX/XX/XXXX, I took title to the property and to refinance the loan. The bank ( now XXXX XXXX XXXX ) then started to return the Mortgage checks. I was then subject to foreclosure proceedings. In the midst of the mortgage market implosion. 
Them HAMP was made law and I met with a representative of XXXX and supplied them with all of the info that was required for a Loan Modification. When I called them back they never responded. I then received a letter offering HAMP and I faxed the info to the XXXX Office in XXXX, following up with them they advised they lost all of my paperwork. I was then advised by XXXX to send the package to their XXXX office which I did and followed up. But it was again lost. 
I was then served with Foreclosure papers that were fabricated by a foreclosure mill in XXXX and filed in the XXXX County XXXX Court, via an Attorney how was sued in XXXX County for filing false paperwork and was forced to cease operations. I now was being " Double Tracked, '' The interest and fees were increasing, they added on late fees and Forced Placed Homeowner 's insurance. 
Then everything went silent, as XXXX sold the Mortgage to Select Portfolio Services based in XXXX. Oddly enough the attorney group that was shut down earlier, then restarted their operation under a different name, XXXX XXXX XXXX. Literally the same guys. 
I have filed Mortgage Modification papers with SPS on 4 different occasions. Each time they ask for additional information and it is supplied. We have had at least a half dozen meetings ( Follow up Conferences as directed by the court ). 
This brings us to the end. I now have 45 days before the Stay on foreclosure will be lifted and the foreclosure will proceed.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I have XXXX loans serviced by Navient, XXXX of which are current. I graduated college from XXXX XX/XX/XXXX. The program I was placed on for repayment of my loans XX/XX/XXXX was too high and I could not make the payments. I asked for a new program, something with lower payments, possibly based on my low salary ( under XXXX ). I was placed into a " graduate '' repayment program. I was not at that time, or any other time, told that Navient offered Income based repayment programs with Loan Forgiveness. I never received any correspondence or phone calls regarding this, and I was under the impression my only option was to stay in the graduate repayment program until my credit was sufficient enough to consolidate. On XX/XX/XXXX, my payments were increased again drastically, by over {$150.00} a month, and automatically pulled from my bank account without my knowledge. Navient explained because I was on the auto debit repayment option, they were free to raise my repayment amount and pull the new amount, as it would not effect my repayment schedule. The interesting thing is, when I had previously called and attempted to make additional payments on the principal amount of my loans, I was told I could not do so without effecting my auto debit repayment schedule, which would raise my interest rate ( Navient offered a reduction of .25 % interest rate on all loans for auto debit ). I contacted Navient with concerns about my new repayment amount, and they then, XX/XX/XXXX, guided me towards an income based repayment program they said had been available since XX/XX/XXXX, and that it was more beneficial for me financially then the graduate program. I found this extremely frustrating, because I could have been contacted or emailed at any time and told this!!!! It seems unethical they could withhold certain information from me which would benefit my status as a borrower. I was also told that my four years spent on the XXXX Based repayment program did not count towards the income based repayment program, and therefore I have to start from the beginning again. I no longer trust my student loan corporation. Its obvious that the bottom line is more important than their customer base.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Fetzer Financial Group Inc. (KS)

United Consumer Financial Service is trying to collect on a debt for so called house alarms that only cost XXXX and they charged XXXX for them. This was flat fraud on people who do n't know better. XXXX XXXX is a collection agency for them also and has sent multiple letters.The company that comitted the fraud is out of Missouri. But not sure of the address.
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2017 i needed a jump start and decided to use Roadside assistance offered by Capitol One as one of my card benefits. I called Capital One and they verified my information, told me yes it was a benefit and transferred me to Master card. Again the agent verified my info and sent me to Roadside assistance. The toll truck arrives and to my surprise tells me i need to pay them because they are an independent contractor. I called Capital one and was told yes i will be reimbursed, so i used my debit card. Next day I called Capital one and for 3 hours i was on the phone with 3 managers. Each of them called Master card and over and over we are transferred to Roadside who confirms that no they have nothing to do with Capital one nor MasterCard. They just get a call and get on the road. After that the managers from Capital one drop the call and disappear. I call again and get another one. same thing. When i called Master card directly, I was told that i need to be connected to them by someone from Capital one. Each time i try, they drop the call after telling me that Master Card is responsible for the reimbursement. 
I 'm out {$70.00} and i need my money back. Also it would be helpful to other consumers if Capital one could stop advertising Roadside assistance as a benefit if it 's not
Consumer complaint received 2016-06-07
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX/XXXX/2016 I transferred money from Bank of America to Bank of America XXXX XXXX to create a XXXX Savings Account. A mistake on their part led to the account being canceled. Despite repeated calls to BOA XXXX Accounts, a visit to my local BOA branch and assurances that my money would be returned, I can not get Bank of America to return my money.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (GA)

On XX/XX/XXXX a Backgroung History was done by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXGa.XXXX, on this date I was interview fill out work forms, after waiting on my backgroung check, which I know I have never been convicted of any felonies, I was told on Tues.XX/XX/XXXX to start work on Sunday morningXX/XX/XXXXwed at XXXX XXXX, on Wed XX/XX/XXXX I was informed by XXXX XXXX XXXX in HR , XXXX that to disregard the work start because of my backfround History check, my attempts to contact XXXX XXXX was unsuccessful, a few days later I received a copy of this background history that is very incorrect, i have had several Backgroung checks and this the 1ST, first one that is incorrect, inaccurate, I have a copy of my previous Backgroung History and for the same case num # and different companies someone is reporting inaccurate information, this is awful, very unproffesional, i have a copy of my Background done by XXXX XXXX XXXX , dated XX/XX/XXXX and the exact same things that have been Misdemenors all of a sudden for XXXX they are now Felonies this is I will not accepts this, this humiliating, distrubing this information has been falsely modified by this company, i have had several background felonies checks for other companies and I have never ever been convicted of a felonie, i am reporting that this information given to XXXX is Inaccrurate , and be removed or corrected, iam filing a complaint, i have been licence by the State, i receive Gov asst.no felonies please correct this issuse d feloo
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank has a {$3.00} fee for using an ATM that is not owned by TD bank. They also charge a {$3.00} fee for balance inquiries on non-TD ATMs. 

On XX/XX/XXXX, I used a non-TD ATM, understanding that I would pay a {$3.00} fee. However, TD Bank charged me both a {$3.00} fee for a withdrawal and a {$3.00} fee for a balance inquiry despite the fact that this was a single transaction. 

I sent a message through their online banking website and received an answer indicating that they had not read my complaint. On XX/XX/XXXX I called the customer service line and gave up after a 20 minute hold time.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is my 7th complaint about Bank Of America! They have not yet fixed my problem with the money stolen out of my account! They just call me, and leave a message, but never pick up or call me back when I call or leave a message. Its crazy! Now, they charged my account another $ XXXX monthly fee, and an extended overdraft fee and they still have not refunded my money or helped me, but they keep over drafting my account! They should just give me my money back, and save us both a headache. I hate claims, and this is my first in XXXX years, and this process is a con and unjust to the customer!
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

My XXXX XXXX old son 's SSN was used to obtain insurance. XXXX of Arkansas ignored me about it and answered my complaint only when I filed a XXXX complaint against them. They said that it was just a typo but I need to get his credit report to make sure since they had my son 's social registered to another man. My son is just XXXX years old. I need help because Experian has so much red tape involved to getting his credit report.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NV)

My loan was sold to Ocwen Loan Mortgage Servicing. When I fell behind in my payments, I told that I did n't qualify for XXXX and yet I am now more upside-down than I was before they refinanced my loan. Now I owe about $ XXXX more than it 's value and there is a balloon payment so I will never get out of the loan. I tried to give it back to them and rented another home for two years- they let it sit, knowing it was empty and the pipes froze and when I did return, there were XXXX or XXXX leaks in the pipes and walls/ceiling to fix. Now they call and tell me that the call is NOT an attempt to collect a debt as it was included in my BK in 2011, but I do n't know how to get out of the loan and move on. The house is falling apart with holes in the ceiling and walls from the pipes bursting. When I ask them about the disclaimer, they say that they can not hold me accountable for the loan due to my BK- so can I walk away? Last time I tried, they left it in my name so I was on the deed, liable for all XXXX charges of sewer and trash, and XXXX taxes. Help, what can I do to get out of this situation? Also, now I have had XXXX separate instances where a call coming from their number is a person trying to get me to send several hundred dollars for 'fees ' XXXX in Florida- they threaten me and they berate me and yet when I originate a call to them, they say that there is no record of this person or the contact telling me to update my taxes, and impounds and to send money to their lawyers. I feel threatened and antagonized by them. So can I walk away and if so, how do I get the liability for this property out of my name? Am I just renting??
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX and XXXX  XXXX is illegally reporting payment transactions on my consumer reports in XXXX, Equifax and XXXX .Below are the accounts I'm referring to : Equifax XXXX XXXX XXXX  XXXX XXXX Accoun XXXX XXXX XXXXXXXX Past due : 30  Days Date : XX/XX/XXXX XXXX XXXX XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX  XXXX Accoun # XXXX Past due : 30 Days Date : XX/XX/XXXX XXXX