davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (GA)

I purchased my home in XXXX. It was transferred to several loan companies since then. However, I have been having problems with my current lender ( SN Servicing Corporation ) stating that my account was over {$17000.00} past due and they needed proof of payment history from XXXX to present, due to my loan being delinquent. I mailed those documents, attached with a certified mail receipt on XXXX/XXXX/XXXX. After waiting several days I called to check on the status and I was told management had to view them.Then days later I was told that I needed proof of payment dated back to XXXX because they could n't find any payment history. I told them what loan company I had my account with during that time and they can get it from them. They were not willing to do that so on XXXX/XXXX/XXXX, I sent SN Servicing ( XXXX ) a request of validation of the debt I owed because I did not agree with my past due balance. I received the letter a few weeks later showing my balance as mention above. They also stated that all payments made to them were going towards the past due balance ( which was paid years ago ). Instead of them researching my payment history from previous lenders, they chose to only accept what was passed down to them, just like the lenders before them! I want to know why they ca n't find it. That will be ridiculous for me to pay for something twice!!
Consumer complaint received 2021-11-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I found out my online saving account transferred out XXXX, XXXX dollars to unknown place without notification on XX/XX/XXXX The transaction happens on XX/XX/XXXX Found out XXXX days later Called HSBC bank, they told me it is through online wire transfer I dont even know how to use this function
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (CA)

I was informed today XX/XX/18 that I have had a debt held in colllection for 5 months. Today was the first time I had heard the debt existed. I was also not informed that I had a right to dispute. As a result I have 5 months of bad credit reports. According to the company they had sent letters to me since XXXX. They were using an address from XXXX XXXX, who had the wrong box number. I never received these letters. They also said they attempted to call me in XXXX. I do not answer numbers I do not recognize as I receive a lot of telemarket calls. Today was the first time they left a voicemail. I responded immediately. I find their claim of contact very abusive. 

The debt originated from my old apartment run by XXXX XXXX. I had paid a cleaning fee before moving out of the apartment. They had said that the damage in the apartment required additional money. I requested proof as the pictures I was given looked the same as when I had left indicating that the original cleaning fee I paid had not been used. Additionallly, the water heater exploded months prior due to a contractor used by the apartment when fixing a leak that caused a majority of the damage. I sent them a letter contesting their claim. I never received anything back from them. No email, mail, or phone call. I would like the original claim removed and once again the charges on my credit score resolved.
Consumer complaint received 2021-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (TX)

On XX/XX/21 I applied for credit at a furniture store that used American First Finance for financing. The items as advertised by the store online and in store totaled {$600.00}. I was informed by the salesman that it was a weekly payment program, there was a {$50.00} loan origination fee and that I had the OPTION to pay off the loan in full before XXXX days. After XXXX days there was " additional fees '' but did not go into detail on how much those fees were. I was told the payments would continue until the merchandise was paid off. I was told I would receive a copy of my credit application and contract by e-mail ( I never did ) and that payments would begin weekly on XX/XX/21. When I picked up the merchandise I was only provided a receipt that showed a price of {$600.00}. All weekly payments were withdrawn automatically from my bank account beginning XX/XX/21. On XX/XX/21 I received an e-mail that another payment had been withdrawn. At this point, a total of {$730.00} had been withdrawn. That seemed sufficient enough to pay off the {$600.00}, the {$50.00} loan origination fee and any sales tax. I logged in to my XXXX account ( Account XXXX ) to see what the balance was as I expected some " additional fees '' and to my surprise the account showed a balance of {$490.00}. I quickly got in touch with customer service to inquire why this amount was so large and was told that since I did not exercise the early payoff option, my payments would continue weekly until I satisfied the entire {$490.00} balance or I could pay the {$490.00} in full today. I requested a copy of the contract and did receive it this time. This contract reflected that the total of my merchandise was $ XXXX. A nearly XXXX  % increase of what I was originally informed of. When I explained this to customer service, I was informed that they could " settle my balance '' for {$350.00}. When I stated that was still way too much, they came back and offered a {$300.00} " settlement '' that would be due in XXXX days, at which point my account would be closed out. I do not agree with this shady bait and switch practice of a store informing a customer their balance is one price and once American First Finance has the customer 's financial information, the actual price of over XXXX XXXX more is then revealed. I have decent credit and had I used a credit card instead, I would have not paid anywhere near XXXX XXXX in interest. I trusted that this store ( which was previously XXXX ), offered financing that was in line with other installment furniture loans I have had in the past. American First Finance is a highly disappointing company and I will never finance any item with them again.
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

On XX/XX/25 I made a report of unauthorized transactions. I was told it would be up to 10 days before I received a provisionary credit. I then asked to speak with a supervisor because the representative that I was speaking to was unable to assist me. The representative was very rude, talked over me the entire time, and then ended the call. Immediately after, I lost access to my online bank login, I was told the investigation could take 30 days but less than 24 hours after making the claim, I was told that my claim was denied and my account was being closed. I am falling behind on bills and have not been able to even eat without access to my account or funds. I will be evicted if my funds are not returned as i rely on my income to pay my rent and other important bills. Another issue i have is that the representative with whom i made the original complaint, only listed the atm transactions as fraudulent when i selected many more. He only included transactions that were atm and more than 100 dollars,
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NY)

Please investigate the legitimacy and operational integrity of both the BB & T Bank, XXXX XXXX XXXX XXXX, NC XXXX Tel. XXXX XXXX and its subsidiary " XXXX BANK, XXXX XXXX XXXX XXXX, NC XXXX regarding fraudulent account -- -- -- -- -- XXXX : XXXX. 
These entities failed to follow Authentication protocols regarding said account subsequent to accepting and approving an online " Business Value Checking Account '' application of a person ( s ) claiming to be myself. Please contact me if more information is needed. 
cc. FTC, US Postal Inspection Service. 
Wrt stated banking institutions. Attempted telephone resolutions to close the account have failed in part being consistently disconnected. Ambiguous assistance and follow thru reconciliation.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Requested Credit/Refund : {$220.00} Transaction date : XX/XX/XXXX Reason : Overcharging/Unauthorized/Poor quality Dear Sir or Madam : I am appealing a rejected dispute on my card. CareCredit conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I did not authorized the type of XXXX they billed. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead I received a rude response from the Merchant  Manager. Immediately, I faxed my dispute to CareCredit but it went ignored. I know Synchrony received the dispute recently mailed regarding this transaction. From mentioned dispute.. all I got was a card replacement. Missing the requested refund for the actual disputed amount. Thus, now I do not even have access to my previous statements since XX/XX/XXXX.
Explaining my dispute : During my 1st consultation visit with the Merchant I provided the Dr. and staff a copy of lab results from XXXX recently performed by my pets primary veterinarian. I clearly specified to them not to perform the exact test. My relative, who accompanied me also reinstated this. Shes a witness about this being mentioned. They also didnt actually hand me the estimate instead they just spoke about what is being done and there was a separate piece of paper behind it. 

However, the results of the XXXX they took was provided after 2 weeks & not at the moment. Which is why I did not know instantly that they still went ahead & billed me despite of what we agreed on. they could have it ready instantly as its a hospital fully equipped with an ER laboratory. So theres a high probability they did it this way to charge me for something I disapproved.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a few hard inquiries that I dont recognize from the past years and recently this year 1 hard inquiry is from XXXX XXXX XXXX, XXXX I Never Gave These People my information in person or over the phone. Another hard inquiry is from XXXX XXXX from XXXX XXXX XXXX I Never Gave This Company no information for me to have a hard inquiry. XXXX XXXX is another unrecognized inquiry on XXXX XXXX XXXX. Also I see a hard inquiry from XXXX XXXX XXXX and Capital one auto finance on XXXX XXXX, XXXX And XXXX XXXX, XXXX were both hard inquiry I dont understand why I have so many hard inquires from Companys That I Never Gave My personal information To. Could I please get them hard inquiries removed so that it wont affect my credit score in the future. Thank you for your time XXXX XXXX
Consumer complaint received 2017-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Hello, I had called Navient ( my Federal Loan service provider, formerly XXXX XXXX XXXX I believe towards the end of XXXX XXXX, maybe XXXX XXXX. I called to try and get my payment lowered from {$140.00} per month. The person whom I spoke with gave me a few options to try to get it lowered and convinced me to do the re-consolidation to get a lower payment. Then, I had asked for an estimated payment or what it might look like after getting the loans reconsolidated. The gentlemen on the phone stated that it would be around {$90.00} something per month, which, would be something I could afford on top of the private student loans I am also paying back. I went ahead with this plan thinking it would be better and they went ahead an processed it, along with three months of forbearance because I was struggling to make payments on time. 

Flash forward a few months later, I gave Navient a call towards the middle of XXXX XXXX because I had not heard anything on the status of my application. After that, I received an e-mail of what my new payment would be in XXXX XXXX ... {$190.00}. Wow. I could not believe this. Why would anyone reconsolidate to have their payment be increased? I called Navient again. Apparently, going forward with the decision to reconsolidate was NOT the option I should 've been pushed into doing. The lady I spoke with on the phone went over my account and advised that I should NOT go forward with anymore forbearance because of all the interest that has accrued. What else was I supposed to do when I was n't able to afford payments? I told her that I was advised to do so and to reconsolidate, which she also told me I should not have done, either. I then asked, could I go back to what my plan was before?, and she said no. So, in the end, I ruined any chance of being out of financial debt any time soon. Not only could I not get out of the plan, but reconsolidating only added 10 more years onto a 10 year loan. And now, this is all a disaster. 

I do n't understand how a loan company could advise student loan borrowers to go through with this knowing that they are just banking on the interest they 're collecting, even when loans are in forbearance. I do n't know where else to turn, what other companies to look for or how to even qualify for loan forgiveness. It does n't seem right or fair for a company to expect payments like these, when our generation has other financial obligations like rent, groceries, credit card payments, other loan payments, a LIFE. 

I am not saying that I regret taking out student loans, because I would not have been afforded the wonderful and fulfilling education I received. However, if I had known then what I know now, I would n't have done so to be in the current financial loop around I am in. 

My feel stuck and do not know where to turn to at this point. Any advice would be greatly appreciated moving forward.
Consumer complaint received 2017-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (VA)

I open this checking account in XXXX with PNC. As I consider myself an informed consumer I was very aware about overdraft protection being a requirement that a consumer Optics 's in to that protection. When I opened this account I was very upfront and direct that I did not want any type of overdraft protection and that I would not be opting into that service. From what I perceived, in the past I was not being charge any overdraft fees. But recently my account did get overdrawn and PNC charged me an overdraft fee. Not only did they charge me an overdraft fee but they charged my account an additional XXXX dollars a day every day the account was overdrawn. As I was not aware that my account was sign up for the service I was under the impression all charges would be denied. just to give clarification these charges were not checks or ACH which I know are not covered under the overdraft opt out choice. These were direct debits. 

I called PNC and explained the situation and talked to a CSR on XXXX/XXXX/XXXX. I told the Car that I never sign up for OD protection. I was then told that originally the account was setup without OD protection but a few days later it was switched to what they call a protected account. They setup a virtual account and cover expenses from a savings. She stated this protected account does not require opt in or allow for opt out its automatically setup to draw from one another or you will get charged. I told the CSR that I understood but that is not what I sign up for and that I never opt in for any type of OD protection. For the account to change type or setup to change a few day later without my consent or acknowledgment was deceptive and unfair. I filed a formal complaint over the phone at that time.
Consumer complaint received 2021-11-27
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. (PA)

A company named XXXX XXXX is reporting an account on my XXXX, XXXX AND EQUIFAX consumer report. 15 US Code 6802 disclosures thats financial institution may not directly or through and affiliate ( XXXX, XXXX, EQUIFAX ) disclose any personal information. I did NOT give and written communication to report any such information. 12 CFR appendix B states that a company must displace notice of reporting information ; that was not provided. 15 US code 1692 states without my consent the consumer may not communicate in connection with any debt.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2021-11-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MI)

On XX/XX/2021, US Bank received my completed paperwork for a Loan Modification - Partial Claim Option. On or about XX/XX/XXXX, I received a packet from US Bank with new copies of the identical documents stating that there was a problem with the original documents that I submitted. I called the lender to inquire about the problem. I was told that my signature was illegible and needed to be signed in legible cursive. I told the representative that my legal signature is on all documents submitted and that the notarized signature that is on the document is proof of such. I also asked the bank to compare my signature from the original loan to confirm its authenticity. 
I was told that they still need my signature to be in cursive and legible and that if it isn't that they will refuse to process my Loan Modification paperwork and the entire amount would become immediately due and reported to a credit agency. I also submitted my complaint via email to US Bank on XX/XX/XXXX. I received an email on XX/XX/XXXX acknowledging receipt of my email, however I have not received anything else regarding my XX/XX/XXXX email. 
US Bank has no legal right to demand that I change my signature just to make them happy. I received the bill for the full amount due in question in the mail today.
Consumer complaint received 2021-11-27
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-11-27
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: ALLY FINANCIAL INC. (NC)

I have not received my overpayment refund from Ally. I refinanced my car back on XX/XX/XXXX with XXXX, they paid off my loan with Ally a week later. On XX/XX/XXXX, I canceled the extended warranty with the dealer and they sent my refund to Ally since they were my original finance company. On XX/XX/XXXX, I was able to confirm that the check was received by Ally ( based on the dealer the check was received and cleared ). I have called Ally several times regarding my overpayment refund ( extended warranty refund ) during the last couple of months and I still have not received it, it has been almost XXXX months since the loan was paid off with Ally and they should not hold my overpayment refund any longer. Every time that I had called, they continue giving me different dates. I called them on XX/XX/2021, XX/XX/2021, XX/XX/2021, and twice this month at XXXX. The last update was that I was supposed to receive the check on the XXXX however I still have not received anything.
Consumer complaint received 2017-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (IN)

I have signed up for recurring payments with Sallie Mae 3 times in the past 6 months with their 3 month automatic payment plan. I contacted them XX/XX/XXXX after 3 payments were to have been taken out of my account ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and they said the XX/XX/XXXX payment had gone thru but the payment for XXXX had not. I contacted then again shortly after and they said none of the previous payment had gone thru so my account was delinquent. When I inquired the customer service rep they said my account was delinquent and the only way to get it current was to sign up for automatic payments which I did on XX/XX/XXXX again. When the payment scheduled for XX/XX/XXXX was not debited I contacted the customer service department again. They said My account was delinquent once again and that My only way to bring it current was to sign up for automatic payments. The next payment was debited on XX/XX/XXXX which only was debited from my account because I made the payment not because it was automatically taken from my account as it was supposed to be. During this ordeal my credit score has suffered, and received negative marks due to Sallie Mae 's inability to keep up with my payments.