davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing you to lodge a formal complaint about 4 overdraft fees that were recently charged to my account. I am a dedicated online banker.  I love Bank of America’s to-the-minute online status updates.  It is just one of the many reasons I switched to BoA from XXXX.  Since joining BoA I have operated under the “as long as there is a positive amount in the account at the end of the day, you won’t get charged an overdraft fee” rule.  I was completely shocked to see four overdraft charges show up on a XX/XX/XXXX. What made the issue even worse is that on the next business day which was XX/XX/XXXX, I received a direct deposit.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (ID)

I contacted Convergent regarding an alleged balance from XXXX of {$1200.00} that is on my credit report. 

The billing they sent me dated XX/XX/XXXX shows a previous balance of {$1100.00} but no explanation how they came up with the owed amount with previous detailed charges. 

At the time of the service with XXXX, I contacted them because I was not getting cellular service like I was supposed to. XXXX explained to me that the reason for the missed, dropped calls and interruption in service was because they were in the process of repairing their cellular towers and that they had no set date of when the repairs would be completed by. As such, since I was getting no service and missing client business calls I had no choice but to cancel my service. I assume the majority of the bill was early termination fees and final month of service which obviously was not provided. Based on what they sent me in response to my request ( when a consumer asks for detailed charges simply sending a previous balance is not sufficient ). Their information is incomplete and I can not proceed with any type of negotiation with such incomplete information. It is my assertion that based on the lack of cellular service provided and local statutes in my state that prohibit utility companies for charging services that can not be rendered I should have no balance owed and this collection should be removed from my credit bureau record. 

I contacted Convergent via certified mail in XX/XX/XXXX. I also contacted the 3 credit bureaus in XX/XX/XXXXand one last attempt to Convergent in XX/XX/XXXX and have been working on getting this resolved since then. It 's been over 8 months and still do n't have a resolution. 

Attached is a copy of the billing they provided in XX/XX/XXXX.
Consumer complaint received 2018-01-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group (FL)

The collection company is reporting 2 accounts to my credit report. One for {$200.00} and one for {$210.00}. Both from same original creditor. I have contacted original creditor and according to there records I have only had one bill ever with them and it was a workers comp claim when I was injured on the road and the total of that bill was only {$100.00}. The collection agency is attempting to collect double the money on 2 separate accounts. I have disputed the information and they say I have to pay it.
Consumer complaint received 2019-10-13
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: EQUIFAX, INC. (MA)

Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, DLA, DLP, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.
Consumer complaint received 2018-01-03
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: Experian Information Solutions Inc. (TX)

Credit Card was open by Fraud back in 2017. I have sent 3 request to all 3 Bureaus, Experian, XXXX and XXXX to have this deleted from my credit reports, Per Bureaus waiting on response from XXXX XXXX XXXX and will initiate removal. Please delete record on my credit report, this is affecting my ability to close on my house this month due to this incorrect and erroneous reporting for a card opened by Fraud.
Consumer complaint received 2018-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

NAVIENT consolidated the Loan amount stated below on XXXX/XXXX/XXXX but only shows payments from XXXX/XXXX/XXXX. When I contacted them to protest the balance they claimed that they do n't have records for the previous 5 years. I 'm frustrated by their lack of accountability in managing my account balance. I also started a XXXX in XXXX and should have qualified for Loan forgiveness under the Navient Guidelines for Forgiveness & Discharge,  but again, I received no assistance in this matter. My XXXX XXXX has been active and Filed all Tax returns through XXXX. When I heard they were being Sued by the CFPB as well as three Attorney 's General, I investigated and feel well within my rights to file a complaint to seek relief from this " Never Diminishing Balance '' The following are facts pertinent to my Loan obligation with NAVIENT * {$68000.00} in consolidated Student loans, * XXXX per month payment, amortizes out to 4.125 % over 30 years Leaving a balance ( allowing for 12 months of deferment ) OF {$50000.00} * Current Balance, however, is XXXX * Missing payment Schedule between XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX Eligible for Loan Forgiveness from XXXX when XXXX XXXX was approved. 
* Balance should be {$50000.00} ( not calculating the payment increase to {$340.00} )
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (MD)

Customer Service : I am writing this letter to request help with obtaining an overpayment from Acura Financial Services. I recently was blessed with a financial gift to pay-off my car. The financial gift was more than the final pay-off ( See enclosures ) ; it was an additional {$2000.00}. I contacted Acura Financial Services before sending the pay-off and was told, it would take a week and a half before I would receive my overpayment. After that time passed, I contacted customer service. I was told that the check would be held to make sure everything was  Okay and the overpayment would be sent out on XX/XX/XXXX. I told the lady it was a cashiers check, which is cash, so why would it need to be held. She indicated she would send it over to another department for review. I asked for a supervisor and was told it would take 24 to 48 hours before I could speak to a supervisor. I called back after 48 hours  and spoke with XXXX and she pretty much gave me the same run-around, but she did say that the check had been mailed from Texas. I asked her if I would still receive a call from a supervisor and she said the supervisor would tell me the same thing. 
Shortly thereafter, I received a phone call from XXXX ( Supervisor ) and he told me the check was mail on XXXX the XXXX and it was coming from California, but he could not determine the mail time frame. Now understand, I received my title a week and a half after the car was fully paid off on XX/XX/2020. The title came around XX/XX/XXXX. 
I am now requesting help to obtain my overpayment of {$2000.00}. I feel as though Acura Financial Services hold individuals overpayments for their purpose ; to increase their profits. 
This should be investigated for all consumers if this is an ongoing practice. A cashiers check is guaranteed.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (AL)

On XX/XX/XXXX I purchased airline tickets for my XXXX Vacation Trip to visit my family in New Jersey using my XXXX XXXX XXXX XXXX XXXX XXXX ( See Attached ). I purchased an Economy Fare for which I was notified that this fare did not allow me with overhead bin access for my carry-on bag ... I was not bothered by this as I was using my XXXX XXXX XXXX XXXX for this purchase and my card benefits allowed me one bag under my seat and one bag in the overhead bin ( See Attached ) ... When I checked in for my XX/XX/XXXX flight I was advised by the ticket agent that I was only allowed access for one bag that could fit under my seat and that I would need to check my other bag for a {$25.00} fee ... I advised the XXXX XXXX agent that my Credit Card benefits allowed for one ( 1 ) personal item that fits under my seat and one ( 1 ) Carry-On bag ... I proceeded to show the agent my XXXX XXXX Credit Card and even pulled up the XXXX Economy Flight Policy on the internet showing her my benefits ... She took my Card and called the Credit Card Company and they told her that my Credit Card did NOT qualify for this benefit ... Once again I showed her the policy that was on the XXXX XXXX website and she went into the back office to get her manager ... Her manager reviewed my Card and she agreed that my Card did not qualify for this benefit ... She told me that I had the XXXX XXXX XXXX and that only the XXXX XXXX XXXX qualified for the Carry-On Bag benefit ... The Web-Site ONLY states " XXXX XXXX XXXX XXXX '' it does NOT differentiate the Red or Blue colors ( See Attached ) ... I feel that this is a clear violation of the UDAAP regulations as in my mind this is an extremely deceptive practice. The ONLY reason I have this card is for their Travel Benefits for which I was denied ... This also caused me to experience over a one ( 1 )  and a 1/2 hour delay after landing because my bag ended up being misplaced and ended up in another terminal which caused me added travel stress ... It also caused me to be extremely late for our annual Family XXXX Party ... On my return flight on XXXX XXXX, I just went ahead and checked my bag and paid the additional {$25.00} Fee ( See Attached ) rather than having another dissatisfactory Customer Experience.
Consumer complaint received 2017-02-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (CA)

After 9 years of consecutive payments, I am still unable to get my co-signer released from the terms of the loan I was approved for to attend XXXX, as well as not qualifying for any income based repayment, loan forgiveness plans, or any benefits that are provided to federal student loans ... although my loan is owned by Wells Fargo- a major banking institution.
Consumer complaint received 2019-10-13
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (FL)

Currently had more than 10 loans with XXXX. My school closed they where a scam i came into fedloan tried contacting them numerous times have submitted 3 loan discharge applications and they always say something is missing on my app. I have no information from XXXX university they were a private school who scammed the community all im looking is for a loan discharge they put me on a repayment plan. I have tried to apply at a XXXX  college and i have to start going to school again start fresh because the school i recently went to was not accredited. I want fedloan to discharge my loans currently they have me on a repayment plan and although my due monthly is XXXX dollars i am scared that it can go up. I received a letter to renew otherwise i will have to pay XXXX a month their interest rate is ridiculous plus all the forms i submitt they keep deniying and the interest has been accumulating for the past 2 years to almoat 6000 dollars. When you contact department of education they say you have to go thru fedloan servicing in order for them to accept forms i have been trying this since laat year and i keep getting the run around from fedloan i think their service is a scam because they know the school i went to is closed plus they lied to their students and they keep deniying all my request
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (TX)

XXXX XXXX has called me and threatened to sue me for a debt that is very old 20+ years. They stated that they were going to put liens on my cars and house and reposses them and destroy my credit. They also told me that I was an " XXXX have no sense at all and must have been XXXX XXXX XXXX XXXX  in the XXXX making my XXXX '' ( Those were there exact words ). They are claiming that it is a discovery card debt of a little over {$1000.00}. from XX/XX/XXXX, to the best of my recollection I did not even have a discover card in XX/XX/XXXX. All my debt payments from approx XX/XX/XXXX are all up to date. They have also called and harassed my wife and mother in law on the phone ( they of course have never been given consent to contact those numbers ).
Consumer complaint received 2018-01-03
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 — Problem with personal statement of dispute
Company: VW Credit, Inc (MO)

I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised VW Credit could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

Despite numerous complaints, Homebridge financial keeps locking me out of my account. They are not the one-stop-shop for my entire financial profile. I use third party applications/software to log into my homebridge mortgage  account and pull the data needed to keep up with my finances. 

Homebridge blatantly blocks my attempts to log into my own account through these apps. They have declared 5 of my passwords unusable. I 'm on my 6th password, and it 's not 1 of my usual 3 passwords so I 'm constantly forgetting it and having to go through the process of resetting my password. 

Homebridge, and its security are doing more harm than good.
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

The bank ( Citizens Bank NA ) took all of the money in my checking and savings accounts in XXXX 2016, most of which was my Social Security XXXX check, closed my accounts, and has not returned my money. This was due to me allowing some shady " Loan Companies '' access to my accounts, stupidity on my part, and in the course of their investigation, the bank decided that we could no longer do business, closed my accounts, and kept my money.
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (LA)

I was contacted yesterday, XXXX/XXXX/XXXX, on my cell from a number in XXXX, AK XXXX XXXX XXXX XXXX in regards to an alleged unpaid debt on an old XXXX credit card that was paid on XXXX/XXXX/XXXX, in the amount of {$160.00} to XXXX XXXX XXXX XXXX. I told them it was paid and they wanted me to read them the information off of the receipt that I had. I told them it was at home and I could let them know tomorrow. The guy I spoke with stated that was fine. They also contacted my in-laws about 20 minutes after I spoke with them. I called the facility this morning, XXXX/XXXX/XXXX, at XXXX, it was closed. I called again at XXXX. I was told the person who has my file is out. I explained again I have the paid receipt and was told to call with the information today. The male I spoke with stated he would return my file back to the company that sent it to them since I have the receipt. At XXXX, they called my work. At XXXX, I called the facility again from XXXX XXXX TN ( XXXX ) XXXX, to let them know I had already spoken to someone and the female stated she sees in the notes the contact information and for me to disregard the call. At XXXX, they called my cell again from XXXX XXXX TN this time. I re-explained again that I have a receipt and she asked if I was disputing the claim. I asked her what is the name of their company and she said XXXX XXXX XXXX. I told her yes because I have a receipt stating the debt is paid in full and has been settled as of XXXX/XXXX/XXXX. She stated she would notate my account. At XXXX, my mother-in-law called stated they called their residence again looking for me.
Consumer complaint received 2020-09-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (KS)

I got a loan for {$300.00} on XX/XX/XXXX. I have made 4 payments of XXXX and my balance is more than what I borrowed. I ask how is this morally or legally ok. I was told the first 5 payments go to nothing and yet Im still getting charged interest even though Im making payments on a loan but the pretending like Im not. I was told on XX/XX/XXXX. Going through this manner to borrow money, I understood there would be some interest however this just feels like being railroaded and taking advantage of. A company being very greedy and callous to a person already having a hardship. Is there anything that can be done? Thank you.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

This account is appearing as a credit line and it is not a credit line. The research I 'm doing shows that it might be a judgement. This should n't be appearing as a debt. There was no line of credit given to me or anyone.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I was alerted by XXXX XXXX because my identity was stolen on XX/XX/XXXX that FNB Omaha had accepted a fraudulent application for credit. Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me, but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do. 

Now I have to worry that FNB Omaha has an open application for credit that was done online by a thief using my ssn, dob and full name. 

HELP! They should not be allowed to keep that account open that is FRAUDULENT.
Consumer complaint received 2018-01-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I co-signed on a student loan with XXXX with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted XXXX and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. XXXX 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to XXXX, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My student loans had gone in default and were transferred to a collection company- back in 2018 I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middle XXXX XXXX XXXX into my loans that are out of default and back to being processed through XXXX XXXX and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.