davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I pai d off my Bank Of American cr edit card in full on  XXXX  for amount of {$790.00} and there was not outstanding balance and i did n't make any other purchase since then. But on  XXXX  they took {$790.00} from my savings account. When i called customer service about the issue, they said I was charged multiple times. I requested them to refund the amount to my bank account and currently i 'm waiting for the refund.   My issue here is that why would they charge me multiple times? I 've never seen this happen with any other credit card provider. Now i have to wait 5 days for them to refund me.What if I needed the cash urgently? what if my account was overdraft?
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC (PA)

I had an issue with my Mortgage. The mortgage was issued by Sprouts mortgage and brokered by XXXX XXXX. The mortgage was originally suppose to close on XX/XX/XXXX. I called every day for two weeks prior and we were suppose to close and everything was fine and i had setup my move. At XXXX XXXX on XX/XX/XXXX, i was told it was not going through. The company went radio silent and i di not really hear form them again until XX/XX/XXXX when they told me they were ready. I tried every day. I was effectively homeless and had to make arrangement on where to live with a 1 year old. It cost me XXXX buck and was not fully reimbursed. In addition, it took the firm over a month to get it set up on their system for me to make my first payment. This company was taking advantage of consumers and left people homeless
Consumer complaint received 2020-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CO)

I 've disputed a collection fro m Enhanced Recovery Company over a year ago, and it was successfully removed from my credit history. The company has recently refiled the collection, with an inaccurate date (  XXXX  2017 ) after it has been  absent from my profile for almost a year.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Consumer complaint received 2020-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (AL)

My XXXX institution, XXXX XXXX, is the loan servicer for my federal Perkins student loan and they contract with Heartland Educational Computer Systems , Inc. ( Heartland ECSI ) for the billing and electronic processing of loan payments. Last year, I applied for and was granted forbearance for this loan, which soon coincided with the coronavirus pandemic and the Secretary of Education directing the office of Federal Student Aid to suspend loan payments and stop collections on defaulted loans in XX/XX/2020. Since this relief was extended to the end of XXXX, I assumed that I would not have to make payments on my Perkins loan until then. That has been the case for my Stafford loan, which is managed by a different loan servicer and is not collecting payments unless I choose to. 

However, in XX/XX/2020, Heartland ECSI ignored the directive from the Secretary of Education and sent me a billing statement once my forbearance expired. Nowhere in this statement did it mention COVID-19 relief or any messaging consistent with the Department of Education. It was as if the pandemic wasn't happening at all. 

I made a good faith assumption that this was an error from an automated system, so I ignored the billing statement and waited for a notice from Heartland ECSI explaining their mistake. Instead, the billing statements kept coming for XXXX, XXXX, and now XXXX. Heartland ECSI is now sending threatening past due notices, saying, " It's important to act now. If you don't pay the overdue amount on your Federal Perkins Loan or contact us within 15 days of this letter, we'll proceed in collecting the full amount of your loan plus late fees, interest, collection costs, and attorney fees. '' Once again, this notice did not mention COVID-19 relief and is in direct violation of the directive to suspend loan payments and stop collections. Based on the billing statements, they are also charging 5 % interest instead of the 0 % interest rate that the Department of Education had mandated for the rest of this year.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (TX)

I presently have a credit card from Barclaycard and was originally promised if I transfer credit from another card to this one, it would be paid off in a timely manner but they keep raising the interest rate on me. They are charging me an interest rate of XXXX percent. Is this an unfair amount?
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (CA)

Well close story short story, someone dead frog on my name and open a fraudulently account which was sent to collection eventually. The Account yes its been open since XXXX and Ive been disputing the account with experian since XXXX. Im very upset because I have done everything they asked me for, a file that identity Theft report on identity theft.gov. XXXX XXXX and XXXX  already removed this account from my credit report but for some recent experian its not able to remove it even though I provided all the information they asked me for I even called them several times and they been very rude on the phone I just dont know what to do anymore.
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (HI)

I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from  XXXX ,  XXXX  and Experian to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with Experia,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with  XXXX . I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted Experian about the inaccurate addresses on my credit report. XXXX XX/XX/XXXX and again XX/XX/XXXX when I received a reply stating no changes were made to credit report. 
I disputed the addresses they are reporting which are not deliverable by the post office. 

The following addresses are inaccurate : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX CANT BE ABBREVIATED ABD THERES NO APARTMENT NUMBER. Mail would noit be delivered to me at this address. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX. Again there's no apartment number and the XXXX  digital code is incorrect. 
My correct address is : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX I included copies off my current address as proof. The reply was sent to the correct address I submitted to them and yet the have not changed my credit report. 

The FCRA states that the information contained within my credit report is to be accurate and when there's an inaccuracy that it is to be corrected and a new report is sent to creditors in which the applicant applied for credit within the last 30 days.
Consumer complaint received 2017-06-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have been dealing wi th Navient for far too long. They are expecting me to pay close to {$1000.00} per month. When I call to speak  to someone, they hang up on me. This has happened several times. When I have tried to fill out the online form, I get an email stating they have received it, but there is no evidence of it on my account, and no one has reached out to me about my concerns. I feel like they are taking advantage of their customers and completely setting me up for failure.
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Hello : I have experienced a number of problems with Hyundai Finance. Sometime in XX/XX/XXXX, I leased a vehicle from a XXXX  dealer in XXXX, Florida and financed the lease through Hyundai Finance. 

When the COVID-19 pandemic occurred, I was impacted financially. Immediately, I informed Hyundai Finance and was told I was on a Deferment Program. After XX/XX/XXXX, it became almost impossible to get in contact with anyone in Hyundai Finance because Hyundai Finance has a recorded message that states " customer service is unable to take your call due to an overwhelming amount of calls received due to the COVID-19 pandemic. '' For that reason, I was unable to get in contact with anyone prior to the payment due date. 

Today I learn that I have three late fees assessed totally {$54.00} to my account as follows : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was told by a customer service representative today, that the reason for my late fees are being charged because I paid the monthly installments late ( past the 10 day grace payment period ). However, I checked my records and note that Hyundai Finance payment information is incorrect. I confirmation number of my payments being made within 6 days from my payment grace period. The XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number is XXXX ) and the XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number XXXX ). I explained this situation to the Hyundai Finance Supervisor, XXXX XXXX, and despite the evidence of payments and payment due dates, I was told that there isn't anything Hyundai Finance can do to correct it and that I have to pay the late fees even if its THEIR system error. 

It is evident that this is consumer FRAUD and its deceptive practice. I request that a complaint and investigation be initiated and corrected as soon as possible. 

Thank you.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (DE)

I opened my account around XX/XX/XXXX, and in early XXXX, I initiated a transfer. The Citi Bank app showed that the transaction was pending review. After some time, I received an email from Citi notifying me that the transaction had been canceled. I attempted to log into the app to find out the reason, but I was unable to access my account. I tried calling the customer service number on the back of my debit card, but no matter how many times I tried, I couldnt pass the verification process. The automated phone system didnt offer any other options either. 

At this point, I realized that Citi might have closed my account without any prior notification or warning. I was confused and distressed, as my account still had over {$20000.00} in balance. Since I wasnt in the U.S. at the time, I was very anxious but couldnt get in touch with Citi for help. It wasnt until late XXXX that I finally received a letter from Citi stating that my account had been closed. The letter said that if I wanted to retrieve my funds quickly, I should call XXXX and press option XXXX. 

On XX/XX/XXXX, I called and spoke with Citi representatives, but after many back-and-forths, I was told they couldnt provide a reason for my account closure or return my funds at that time. The only thing I was told I could do was wait, as mentioned in the closure letter, which said the account would be officially closed within 60 days, after which a check would be mailed in approximately 30 business days. This means it could take over 100 days before I could access my money. 

This situation is completely unacceptable. For an account that was barely used, to have my funds frozen for over 100 days without explanation is a severe disruption to my personal life. It feels like a blatant disregard for my personal property and financial well-being, all under the guise of compliance. ''
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MS)

I was contacted through mail by   XXXX   XXXX   stating that I owe d Synchrony B  ank/ PayPal Extras MAsterCard {$4200.00}. I asked for an investigation into the account because I had not set-up a PayPal Extra 's account. I re ceived from  XXXX  a stack of old statements which told me nothing about who had opened the account or who had made the purchases. I contacted  XXXX  and they said that was all the info they had. I, then, contacted Synchrony Bank disputing the charges and requested they look into the matter. After months without word, I became worried because of my pending divorce and I thought it would look bad on me for having debt that was n't being paid. Therefore, I made an electronic paym ent ( c heck #  XXXX   )  to  XXXX  on  XXXX   XXXX ,  XXXX  in the amount of {$150.00}. The next month,  XXXX   XXXX ,  XXXX , {$150.00} was debited from my checking accou nt (  check #  XXXX  ). On  XXXX   XXXX ,  XXXX , another {$150.00} debit was made to my checking account  ( ch eck #  XXXX   ).    On  XXXX   XXXX ,  XXXX , I received a letter from Synchrony Bank informing me that an investigation had been completed and had been resolved in my favor. After contacting  XXXX  and Synchrony Bank, I was told by Synchrony Bank to put a request in writing, to them, seeking a refund for the {$450.00}. On  XXXX   XXXX ,  XXXX , I had  XXXX  Law Fir m ( pe r  XXXX   XXXX   ) s end a letter on my behalf to Synchrony Bank requesting full restitution. As of  XXXX   XXXX ,  XXXX , I have not received restitution nor have I been contacted by Synchrony Bank.   I thank you for your help in attempting to resolve this matter.  XXXX   XXXX .
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (VA)

I received a notice in regards to a debt that was sold/transferred from  XXXX   XXXX  to  CCI C ontract Callers Inc, I called within the required time to advise that I am disputing this debt and was told by a  XXXX   XXXX  that they have up to 30 days to send me information regarding this debt as it will affect my credit. I advised the that I do not need anything negative on my credit as I am purchasing a home and again dispute this debt. I spoke with the representative on  XXXX / XXXX /  XXXX   @  XXXX   XXXX . I received a credit alert this morning advising that my score is now adversely affected and the company that has placed a collections account and dropping my   XXXX   score  XXXX  points  XXXX . Either this company sold this account not wanting to deal with a dispute or  XXXX  is their parent company. They need to remove this negative item from my credit report and legally follow the processes in place for disputes.
Consumer complaint received 2024-10-25
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: NAVY FEDERAL CREDIT UNION (GA)

I was attempting to buy a property and checked my credit report and realized I had damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report, it's a defamation to my character.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.
Consumer complaint received 2017-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Every time i have a mrchant credit to my account my financial institution keeps or withholds my money for to long.   Every night i check my checking account for my credits at  XXXX  (   XXXX   ) and the credits are not there, but then i check again the following day and the money that was suppost to be credited now shows the date of the day before, but as i mentioned at  XXXX   XXXX  no credits are there.   It seams to me the bank is playing with my money and as i recall this bank was caught committing fraud to it 's customers before.   Also they are slow reporting my balance to different companies like  XXXX .
Consumer complaint received 2020-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

My father passed away and my name and my sister 's name were transfer on death for the home. I am trying to sell the home and my name is not on the mortgage, or am I authorized. I am just trying to get a payoff amount. The mortgage company will not give the title company the payoff amount without my authorization, but they won't take my authorization when I call. 

The house is sold - needing information for closing, i.e. payoff amount - how hard can that be? PHH mortgage company is uncooperative and the people I talk to do not understand English well enough to understand what I am saying. 

I can't bring my dad back from the dead to authorize the title company to give the payoff amount - please help!!!
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.