davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIFTH THIRD FINANCIAL CORPORATION (ND)

On XXXX/XXXX/XXXX, I opened a 15 yr boat installment loan, with XXXX XXXX XXXX. Fifth Third bank took over this loan in XX/XX/XXXX. The final installment was due on XXXX/XXXX/XXXX, and was paid. We then received an additional bill for {$5300.00} on this same loan. We have gone to the bank loan officer three times to no avail for an explanation, other than the charge is for additional interest for being late during the course of the loan. Whenever late, we paid a late charge. Fifth third can not explain how they came up with this figure, nor does the original agreement show anything. I just received a new bill, showing a late charge of {$210.00} on top of the {$5300.00}. The bank calls me 3X a day and yet no one will explain these additional charges. I am being harassed, insulted and annoyed. Please help me get this nightmare cleared up.
Consumer complaint received 2016-04-21
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Byrider Franchising, LLC (TN)

I had an auto loan that I signed XX/XX/XXXX with CNAC. XXXX XXXX my income decreased by XXXX my car payment is {$390.00} for a XXXX Kia Rondo with a total balance of {$13.00} left ( Way over priced ) I have been late the past few payments and have explained myself multiple times to multiple people from this company but they are not willing to refinance. I tried to get another car through another lender and they called to get the pay off balance from CNAC and decided the amount is too much. I received a call from CNAC asking me if I ca n't pay for this car how will I pay for another one. I have asked them multiple times to stop calling me and to just come pick up the car but they continue to call multiple times a day asking the same exact questions and at first I would explain it over and over again but if I say one word different than the previous call they interogate me. For example " It shows right here that you make 3 times the amount of the car payment so why ca n't you pay for it again? I do n't understand because it shows here the last rep you spoke with you told them '' ... .etc.but continue to call multiple times a day asking the same questions from the beginning. It 's becoming harassing and I am now being told okay we will come get the car but the contract I signed I 'm still gon na pay them the full amount regardless so I might as well keep it. They call up to 10/times a day and if myself or my wife do n't pick up the phone they will call all of our references and disclose to them that we have n't paid our car note and are n't answering our phones. I am a XXXX veteran on a fixed monthly income who suffers from XXXX and this has really caused me have my XXXX with terrible XXXX. I am a victim of predatory lending and harassment and would like this nightmare to end. They say the program is here to help but the fact is I came to this loan because my credit was n't great and I really needed a vehicle. But the loan is predatory and the car is n't in good condition I had to drive XXXX miles multiple times to take it to get " fixed '' by the service center right after I got it. And if the program was here to help they would be willing to refinance and not try to force me to pay for something I ca n't afford.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I received a phone call last night from someone claiming they were working with my bank. Said they were calling to offer an interest rate reduction promotion because of my standing with the bank and how we pay our balance off monthly, which is true. They said they are the ones who send out the statements for my bank, had my name, other information, and it seemed like they really WERE with the bank. They asked me to verify my card number, which i was skeptical about doing, but said they had all of my statement information and would verify that. Said there were not a third party. I normally would not do this, but because lowering our interest rate helps our credit, I verified my card number. In turn, they did tell me all of my balance information. At this point my daughter grabbed my phone and we got disconnected. They called me right back and we picked right back up. They then told me they were going to transfer me to their manager to see what rate they could offer me, transferred me to another gentleman, said his name was XXXX XXXX, and he told me because of our standing with the bank they could offer us 0 % for a lifetime but we had to pay a fee of {$1500.00}. I told him I could not agree to this at this time because my husband was not home, and I would call him back. He gave me a number to call back. After getting off the phone, I just felt very unsettled about the phone call. I called him right back and told him I was not interested in this. He asked me if I was NOT interested then why did I verify my card number. I told them I thought I was working with my bank to lower my interest rate, not get rid of it, and it did not make sense for us to do this. The guy got very hateful and hung up the phone. I then called my bank, and canceled my credit card to get a new number. Once my husband got home and we talked about this, we realized it was definitely a scam and someone was phishing for my information.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Santander Consumer USA Holdings Inc. (FL)

I think I 'm a victim of fraud because I receive a email saying my car loan is pending I never apply for any car online, I 've been contacted trough the phone for a application for a job the same day and they ask me my information that 's why I think there is a fraud. 
Please I 'm a new resident and I 'm building my credit since 5 months and I will never apply for any loans because I 'm new with the credit score .thats why there is a fraud they even misspelled my last name on the application
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

On Saturday, XXXX XXXX 2016, I ( a business ) opened an account and deposited cash and a cashier 's check ( {$300.00} in cash and {$2000.00} in check ). I asked the Wells Fargo representative ( XXXX XXXX ) that was helping me when the funds would be deposited. She told me they would be in the account by Wednesday, XXXX XXXX 2016. When Wednesday came, I checked the account only to find out that that there was a hold on my cashier 's check. {$200.00} were available on the XXXX ; however, the remainder would be available on the XXXX. I called the XXXX number and informed them ( I do not have that representative 's name ) of Regulation CC. She told me that I needed to talk to a branch manager and that she nor her supervisor could remove the hold. I went into the branch on XXXX XXXX 2016, and informed XXXX XXXX of this issue. She called the " back office '' and they stated that the remaining {$18000.00} would remain on hold until XXXX XXXX because my account was just recently opened. I shared with XXXX that this was against the law and she told me that this was not her job and there was nothing else she could do. She then forwarded me to her manager. When her manager ( XXXX XXXX ) came, XXXX told me that she could not remove the hold because back office sees things that she ca n't see. I informed her that I would be filing a complaint with the CFPB and the FDIC and she responded okay. She gave me a complaint phone number and also placed a ticket and escalated it. She told me that they would get back to me on Monday, XXXX XXXX. She also told me that Wells Fargo has the right to hold any check for as long as they see fit. I asked her if that included Cashier 's Checks that had been expressely defined as next-day available items in Reg CC. She responded " any check. '' When I left the branch, I called the complaint phone number. The gentleman on the phone also told me that any check can be placed on hold for 7 business days. I asked him if he also knew that this was against federal regulation. He responded that he had to go by Wells Fargo policy.
Consumer complaint received 2016-11-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (CA)

The debt was for the amount that XXXX XXXX XXXX XXXX XXXX looked for reimbursement due to an accident involved their insured client. However, XXXX XXXX XXXX XXXX XXXX employee was able to contact me earlier. I gave them my automobile insurance claim number. The debt was paid off after XXXX XXXX XXXX XXXX XXXX employee contacted my automobile insurance company. I confirmed with my automobile insurance company claim adjuster that the full amount of this debt was paid. NCB Management Services Incorporated says they represent XXXX XXXX XXXX XXXX XXXX and its insured, who was involved in the accident and keeps contacting me about the debt that was already paid off.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CA)

When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as Navient XXXX These accounts were closed and charged off over 10 years ago and Navient is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact Navient and also disputed with the credit bureau ( XXXX ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- XXXX
Consumer complaint received 2016-09-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

I have been enrolled in the XXXX XXXX XXXX XXXX for loan repayment. I am nearing the end of my 2 year commitment. I am required to verify that the entire XXXX dollars provided to me was put on my non-cosigned signature loans. I reviewed my account and found that I was approximately XXXX dollars short. So I contacted navient, gave the the loan number that the money needed to go on and requested a receipt verifying that this was done. The check was a bank check and my bank also printed the loan on number on the check. I did not receive a receipt so I checked my account and found that Navient had spread the funds over several accounts. If I can not verify that all of the XXXX dollars went to the XXXX listed loans, I can be fined over double of the amount given. ( over XXXX dollars.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (VA)

I sent the naval federal credit union statements showing late fees and they have not confirm receipt as request and they keep stating i have not provided any or responded to their request when I have more than once and I more than one, the change the credit term about a loan I requested, they have done nothing to get the unfair reporting to the credit company which has been add to my account
Consumer complaint received 2017-01-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION (TX)

1 ) Regions ' website shows in XXXX places the balance I owe is {$87.00}. 
2 ) When I called in to pay it off they say I owe approximately {$120.00}. 
3 ) The website is attempting to under report what I owe so that it takes longer to pay it off. I 've thought that I had paid it off a few times but the website misleads you on what you need to pay off the loan. 
4 ) Due to their deceptive website I want my balance waived and for the website to be improved so other borrowers will know exactly what the payoff is at all times. Regions is being very deceptive, including limiting the ways you can pay off your account when you call ( you ca n't use debit or credit cards online or over the phone ).
Consumer complaint received 2016-11-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I received a letter in XXXX from the lawyers office saying that I owed {$1300.00} I am immediately called them and asked if that was all that was owed they said yes I have made over {$700.00} in payments to this account yesterday I got a letter in the mail saying that with the same account number they now have a judgment against me for {$1400.00} when I called and asked how this could be they said they added {$800.00} in interest but I do n't understand how they can do this when the second amount is more than the first amount I need a lawyer that can help me they are financially harassing us I am afraid this is never going to stop with these people
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IN)

I had a Macy 's credit card with a {$300.00} limit and zero balance. In XXXX of 2016 Macy 's let someone call and report card lost or stolen and sent them a new card to an address in Florida. Next the credit limit was raised to {$2200.00} and immediately the card was used in XXXX, XXXX XXXX, and macys.com. In XXXX 2016 on a trip to XXXX XXXX XXXX I tried to use the card and it was declined. Upon my return home I received a phone call from Macy 's asking for payment on the card. I informed Macy 's that I had not reported my card lost or stolen and I did not live in Florida. I filed a police report and the necessary paperwork with Macy 's Fraud Investigation Department. Macy 's has now sent me a letter saying they did not accepted my claim as a fraud claim and sending my account to an collection agency. This is unacceptable!!! Macy 's has significantly damaged my credit score and my ability to obtain credit has been diminished. They have also reported false information to the credit reporting agencies and now all reports are inaccurate.
Consumer complaint received 2016-09-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (NY)

I have been getting repeated calls from the same number. Finally when I answer a man asks me to verify personal information and does n't disclose who he is, who he represents, or what he is calling about. Finally he says its about a debt ( I have no outstanding collections on my credit report ) but wo n't disclose the nature of it until I verify several pieces of personal information.
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

About 18 months or maybe a little longer Capital Once Credit Card informed me my account was restricted from further use. I have been in XXXX for last 4 years. I placed some employees on my card as authorized users. They wanted me to send copies of each authorized user 's driver license and social security card. I sent in that information via fax more then one occasion. After going back and forth trying to talk with the person who was authorized named XXXX. Who was the only one that could talk to me about my account and was never available when I called several times. I have asked several times to have my account closed. I have paid off these cards and do not use them. Instead I now have charges from the annual fee they charged me although I am unable to charge anything on these cards ; I find it very convenient they allow only their charges to be placed on the card.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC (GA)

On XXXX XXXX 2017, a rep from XXXX XXXX Hospital called me about a medical bills in the amount of {$1300.00}. She stated if I do n't pay it she was going to put it on my credit. I informed here that I have insurance and the bill should have been bated Thursday them. She said they do n't have insurance information on file. I gave here my name D.O.B and social security number. And she pulled up my old insurance information. I told here that insurance information is not right and gave here the correct information. She was very rude and aggressive about it. So I 'm thinking she did put the correct insurance information on file. And I did not receive a bill.
Consumer complaint received 2016-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX Trans Union To Whom it May Concern : After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Below are the errors I have identified : XXXX XXXX Verifying this account I think there may be something incorrect such as the date open, late payments, payment status and account type if so repair ASAP. XXXX XXXX Please take your time to see this account I believe there may be an error on the account number, account type and the comment verify this information correct this if there are errors ASAP. XXXX XXXX See this account there may be something incorrect such as the past due, comment, payment status and payment history verify if its correct or delete this from my report. XXXX XXXX Looking at this account I believe there could be something incorrect such as the high balance, date open, and the account status see if this is correct or delete ASAP. XXXX XXXX Look at the late payments, comment and payment status I believe there may be something incorrect corroborate this and repair or delete ASAP. Incorrect Name XXXX Can you verify this name I think there may be an error repair and put my full name XXXX XXXX Take a look at this account I think there may be something wrong such as the account type, account number and the date open verify this information correct or delete from this account. 
Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. 
Regards, XXXX XXXX, CA XXXX XX/XX/XXXX XXXX CC : FTC, XXXX, Office of Attorney General
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I got my XXXX credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called bank of America, after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from b of a that says to call the credit bureaus! B of a reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate people ... ..
Consumer complaint received 2016-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northern Alliance Management, LLC (CA)

I owed {$75.00} for my iPhone and I was never contacted about my card never bring charge 2 years later. I get a call from a collections agency that my debt is now {$700.00} dollars. This is n't fair!
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: DCN Holdings Inc. (AL)

Accounts Receivable ( XXXX ) has sent me communication regarding a debt that is not owed to XXXX ( XXXX ). I retained legal representation and the creditor ( XXXX ) and Accounts Receivable were sent a cease and desist from Attorney XXXX. I want Accounts Receivable to no longer contact me by any and/or ALL communication tactics. Thank you.
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: LendKey Technologies, Inc. (MN)

I have been paying my private student loan since 2011 at about {$600.00} a month. My private student loan is still the same amount, since I left college ( {$120000.00} ) because I have only been paying the interest down. My loan payment is soon going to increase to over {$1000.00} a month and I can not afford that option. I am also interested at going back to school so I can make more money to pay this student loan down, however I do not have the option to put the loan on deferment.