davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Linebarger Goggan Blair & Sampson LLP (CO)

They called me claiming that I owed an insane amount of money for a toll I supposedly took from two years ago. This is absolutely the first time I have heard of anything at all. They said it was my fault that I did not know I was being charged and that I never got a bill. Since this was the FIRST notice of any bill at all, I offered to pay the original bill which was {$3.00}, but they said I owed over {$77.00} because I was sent to collections without my knowledge. I will not be bullied into paying this.
Consumer complaint received 2015-09-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have an account with Bank of America and I mailed a check out on Tuesday XXXX, 2015 from XXXX to XXXX. I had enough money in the account to cover the check and then some. I paid my credit card before the check was cashed. I checked my account this afternoon, Thursday XXXX, 2015 and noticed I had XXXX overdraft fees for {$35.00} for a total of {$140.00}. All of these were caused because the check that was mailed was put in front of the rest of the transactions. I called Bank of America and told them that there was no way that the check got from XXXX to XXXX and was cashed before the other transactions. The person on the phone told me that they could only wave XXXX of the {$35.00} overdrafts fees. The check should not have been placed at the front of the transactions because the other transactions happened before the check was cashed.
Consumer complaint received 2016-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: EdFinancial Services (NJ)

My complaint concerns my federal loan servicer, EdFinancial. Years ago, when my loans were first transferred to them for servicing, they issued a redisclosure statement that lowered my payments. Unfortunately, I did n't question it at the time, and ended up paying much more in interest than I should have. Most recently, in XXXX 2016, I decided to change my repayment plan from graduated to standard so that I would pay more toward my loans each month. I initiated the change via their website. However, it was only partially processed for Group A and B of my loan, not C and D. I sent three follow-up emails to resolve the problem, to no avail. Finally, I was able to get through to them on the phone in XXXX 2016. I was told that I could not participate in the standard repayment plan, only the extended standard plan ( even though they had processed a change to standard for Group A and B ). Most troubling was the fact that during the time when they should have been processing my request, they placed a forbearance on my account that I never requested nor authorized. When I asked the phone representative why that occurred, and why my monthly payments were not coming out of my checking account as usual, I was told that the forbearance was issued as a " courtesy '' to me because my monthly payment went up. I explained that I was the one who initiated the payment increase, and that I did not want a forbearance. I stressed that I wanted to pay down my debt more quickly. She then stated that it might take a month or longer to remove the forbearance from my account. Most recently, on XXXX/XXXX/16, the forbearance is still there, and I was sent another redisclosure statement which indicates that my interest rate was increased by 0.25 percent. Did EdFinancial penalize me for the forbearance that they placed on my account without my authorization? I see no other reason why my rates would suddenly increase. Since I made what I thought was a simple request to change repayment plans in XXXX, EdFinancial has sent me more than twelve different redisclosure statements, all with different information. I truly believe that they are not interested in helping me, the customer. They were upset that I wanted to pay my debt down more quickly, and threw up roadblocks ( delay in processing my repayment plan change request, forbearance that I did not want ) to interfere. I have every right to change my repayment plan at any time, without penalty. Their tactics are unconscionable. I have never missed a payment.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

PRA continues debt collection on an old XXXX XXXX account they bought from XXXX Bank. XXXX bought the account from XXXX on XXXX/XXXX/14. According to my records this account is now beyond the statute of limitations in the State of Tennessee of six years. I have emailed and mailed request to PRA to have this debt taken out of collections status since they can no longer sue me over this. They have not responded to any of my request.
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I was a victim of identity theft and noticed a collection from Syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (TX)

I sent a letter requesting validation and verification of debt XXXX XXXX and received no response from the company at all. Disputed the account with all XXXX bureaus and requested method of verification and the response they gave was that they verified the account. I still have not heard from the company at all and this is XXXX. They are still reporting the account and the bureaus are not correcting the problem. The company has greatly surpassed their allotted time to validate the account.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in 2013 I was given a USPS money order from an individual and it turned out to be a fake money order. Not knowing that I deposited the money order in my account and it was returned due to it being a fake. I reported the incident to the Postal Service and they told me they would look in it. Meanwhile Bank Of America which was my Bank at the time quickly closed my account and reported my name to XXXX without ever contacting me or anything. This is all for {$11.00} which was paid back in XXXX of XXXX. It clearly shows account paid in full on my XXXX profile and yet Bank Of America refuses to remove the information and I can not open any account at any Bank with this information on my profile. This is totally unfair. I was a victim of fraud and non of this was my fault. B Of A never bothered to help me in this case and they blamed me for it and closed all doors on me. I just want my name removed from XXXX.
Consumer complaint received 2016-01-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been trying for over two months to close an online savings account my late mother had with Capital One. By way of letter dated XXXX XXXX, 2015, I sent the bank a letter of instruction, along with an official death certificate and an original court -issued letters of administration. I received the originals back, along with a letter from the bank dated XXXX XXXX, 2015, indicating the information was being forwarded for remaining account settlement. After waiting a month, I called Capital One, and was told the department handling the account had no record of receiving my information. By letter dated XXXX XXXX, 2015, I once again submitted a letter of instruction, which included a recounting of the above information, and my extreme displeasure with how Capital One had handled the matter to date, along with the XXXX original documents, and waited again. I called today, after waiting yet another month, and was told these amazing things : that they needed a notarized letter of instruction from me, a " requirement '' heretofore never relayed to me, ever, and, that they had tried to reach me by phone without success, a particularly remarkable bit of fiction, considering I provided my correct phone number in my correspondence, and have never received a call from Capital One. Unbelievably bad customer service. I provided an email mail address as well to them in my letters ... nothing received from them of course. Now I must, for the third time, draft a letter to them, have it notarized, and send it off. Perhaps the third time will be the charm. I am so happy I do not bank with Capital One. They do n't seem to understand the money they get to use and manage does not belong to them.
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Again CapitalOne has failed in properly handling a dispute ( had issues with them in the past and they seem simply ill-equipped to deal with disputes ). We filed a dispute and then I provided all the information they asked, then we even attempted to contact them to ensure they received the information and no response. Then the other day got a notice that they never received the information so they closed the case ... Why do consumers have to be subjected to such incompetence when these companies make a fortune on the backs of consumers and businesses!?!?!?! 

I 'm attaching a copy of the information provided via a response to their email which I know they have received information at that address in the past and then also attaching our communication asking if they received the information and can see there was no response and their previous message was that at that one point they had all the information needed ... Note that on the email there are various attachments as i was very thorough in providing every bit of information that I have.
Consumer complaint received 2017-02-14
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated (FL)

I noticed the balance on my account was less than I expected and inspected my statement online to learn that XXXX fraudulent charges occurred on my account. The charges were dated XX/XX/2016 and I reported this to my Debit card provider on XX/XX/2016. A few months later I was notified that the claim was closed due to me not sending back documentation about the claim that they mailed me. I never received what they sail was mailed. I contacted them again to re-open the claim and I sent the documentation they were missing to complete processing my claim. I received a denial because they are saying the documentation was received outside of the 60 day window to report a claim. The claim was initially reported 5 days after the fraud occurred! This was also a well know and highly publicized breech that occurred with XXXX in New York! I feel like they are giving me the run around to keep my money which is child support for my children. Please make them give me a refund immediately. 
Thank you for any assistance you may be able to provide.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$7500.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX
Consumer complaint received 2023-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NV)

PayPal : Earn 10 % Cash Back On Purchases ( Limit {$30.00} ) Paying with Paypal through XX/XX/XXXX, up to {$30.00} cashback ( XXXX rewards points ). 

I had successfully activated the promo code, and the webpage said I was eligible, and then I made a {$300.00} purchase on XX/XX/XXXX, according to which I should get 10 % within 14 days, its been 21 days today, and I still havent gotten 10 % Rebates in USD {$30.00} or XXXX points
Consumer complaint received 2016-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (IL)

I found out someone committed fraud in my name under the cable company comcast. i asked both comcast and bill collectors to send me the bill with the address used for comcast stating that actual address so that i may file a police report. first they said they could not provide me that information until i mail them proof of address. one week later they sent the bill to my current address that of course i 've been living for over 10 years with my current address on it, but not the fraudulent address they were accusing me of having the unpaid debt. The debt collectors told me that i have show proof of address for those remaining years which were back in XXXX and XXXX! i have no bills what so ever from those many years ago. this just is n't right at all! now they refuse to help me. so i 'm stuck with debt that i never knew of or never received any mailing within those years to my name and ruining my credit history
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MI)

NAVIENT constantly puts my loans in default stating that I never " submitted '' paperwork. I have proof that I applied for an IBR on XX/XX/2016 reference # XXXX through the website studentloans.gov. Today is XX/XX/2016 and I received a call from NAVIENT stating that my loans are in " default ''. This is a reoccurring issue that I have had with Navient and I find it criminal because every time they pull these issues- I am penalized and my balance just continues to grow. I contacted XXXX as well as the om buds man for XXXX. They were appalled to hear of this. I am putting this out there because I feel that NAVIENT takes advantage of people and just tries to make MORE money off of people. It 's a complete outrage that I have proof that I turned in everything I needed and I have talked to 3 different people from NAVIENT- which everyone of them gave me different answers on what I needed to turn in. Meanwhile I am being penalized. I now have to go through the process AGAIN for something that should have been handled in XX/XX/XXXX AND they do n't want me to call to verify that they received my paperwork. The supervisor that I spoke to said that if I do n't hear from him- just assume that all is well. My guess is that my account will be back in default again- what do you think?
Consumer complaint received 2015-10-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My husband & I along with my parents as co-signers purchased a home in XXXX XXXX in XXXX, XXXX. We went with an FHA loan through a mortgage company called XXXX , XXXX XXXX XXXX. XXXX XXXX got in a lot of federal trouble in mid XXXX and they went under, Bank of America took over our loan in XXXX XXXX. In XXXX XXXX I tried to refinance under an FHA Streamline loan with BoA and we were told we could not do this because we did not have an FHA loan. The BoA loan dept I was dealing with told me they would take care of it. After a few months I noticed that our loan was no longer listed as an FHA loan but it showed as a conventional 30 yr fixed rate mortgage. For months I was unable to pay my mortgage online and I was n't given any real reason why I could n't. After many phone calls with BoA our loan was changed back to an FHA loan & I was able to pay online. Then a few months later the loan was changed back to a conventional loan. I 've spoken with other mortgage companies and attorneys ( who are charging fees ) & we keep ending up with nothing resolved. I 've tried many times to talk to FHA and I either get transferred all over the place or get to someone 's VM. I 've tried to go to my local office that no longer exist and call my regional office with no call backs from them. Now our loan was sold in XXXX XXXX to a company in XXXX called XXXX XXXX. They are less than helpful and are totally clueless with no incentive to try and help me. 
This has left us in a position where we are unable to refinance under HARP ( since we are not backed by XXXX ) or an FHA Streamline ( since BoA changed our loan ). I need all partied involved to resolve this situation ASAP so we can move forward with a refinance before we lose the opportunity to use any of these gov't back programs.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NV)

I have XXXX in student loans after attending XXXX. Applied for a reduced payment plan because even at XXXX % the XXXX payment was too much. The reduced payment plan was for XXXX a month but I was n't approved, for the next XXXX months Navient took XXXX per month from my savings account without telling me. In fact, they continued to send me default notices even as they were taking my money. It was n't until I needed to dip into my savings account ( that I 'd had for years ) that I realized my funds we being siphoned. I called Navient and they informed me that by applying for the program I had also allowed them to take the money regardless and that since I was denied the program the funds being taken were not enough to match the expected payment of XXXX so I was still falling into default.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (PA)

my daughter had XXXX on XX/XX/2016. i put the {$1500.00} on carecredit with synchrony bank. the terms were no interest if paid within six months. i set up my bank account bill payer to pay {$250.00} on the first of each month starting XX/XX/2016. i have just received a bill for 5 late payments and interest on the entire amount for {$300.00}. they said i paid outside of the billing cycle and that every payment was late, not early, my billing cycle is the XXXX through the XXXX of each month. so because i was paying on the first, every payment was late, according to them, in my eyes it looks early but they said they can not accept early payments. so they said my initial payment was to just reduce my balance ( is n't that what all payments are for? ), and my second payment should have been paid between the XXXX and the XXXX. i think this is a very unfair practice. i paid the entire amount within the six month promo period and am still being charged {$300.00}, is there anything that can be done??
Consumer complaint received 2017-01-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America XX/XX/XXXX. When I did my home refinance with XXXX XX/XX/XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XX/XX/XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopen this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a reputable bank, Bank of America must keep its promise to the customer! It not, Bank of America must pay for the damage caused by Bank of America. 
Thank you! 
XXXX XXXX
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc. (CO)

Credit Systems Inc will not remove a debt this is not mine. This item was paid in 2012 and not accurately being reported on the credit repositories and should not be reporting violating the Fair credit debt reporting act for Colorado. They provided a letter in which is a system generated letter advising they would do this but refused to sign as requested as this would validate and make the letter creditable so I can purchase a home. XXXX XXXX Manager, and XXXX XXXX representative for this company refused to sign.
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

A Company called Portfolio Recovery has done all of these things. Contacted family in other states, contacted employer, threatened me, calls multiple times a day from different numbers, wo n't tell me what this is for ... .etc ... ..FOR SEVERAL YEARS!!!! 
Please stop them.