davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I have a XXXX XXXX student loan account in which the payments and principal are being handled by Heartland ECSI. I graduated from XXXX XXXX XXXX  in XX/XX/XXXX. This particular loan was in the amount of {$5500.00}. Since the payments started being deducted from my personal bank account by Heartland ECSI in XXXX, I have not missed a single payment. The monthly withdrawals are {$58.00}. Moreover, I have 100 % payment history with all other accounts on my credit report for the entire span of my credit history, as well as zero derogatory remarks. 

However, in XXXX, XXXX, and XXXX of XXXX, the regular payments were not withdrawn from my account. The loan company has reported these as 30 and 60 day late payments on my account, and I fear a 90+ day late payment will strike my account any day now. I called the company and they did not provide me a reason for why this happened and told me there was nothing they can do. There was no communication to me about the missed payments either. No emails, letters, phone calls, or online account notifications about missed payments. 

It was only when my credit score was critically impacted that I was notified that any payments were missed. My credit score has decreased more than 100 points, putting me in a very difficult situation. Just recently, I was meant to cosign for an apartment lease for my mother so that she can be closer to her job. My application was rejected by the leasing agent, and I could not guarantor her lease because of how negatively this situation has affected my credit score. I can not find her a home to live in until this is resolved. This is a very time sensitive issue, her lease at her current residence is expiring within the year. 

I always have money in my accounts because I am diligent about paying my debts. Integrity is one of my core values as a human being and I would greatly appreciate help in this difficult time. This entire situation has been extremely disheartening, particularly because there was no fault of my own. I am very worried about how unbearable this will become if it is not resolved as soon as possible. I look forward to hearing your response. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-12-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (PA)

On XX/XX/XXXX, I contacted FirstMark services to report that I was unable to afford my monthly payment of {$320.00} ( which is more than XXXX of my biweekly paycheck ). They told me they were unable to lower my payment but I could apply for my LAST two months of forbearance. With XXXX, my only daughter 's XXXX birthday coming up on XX/XX/XXXX and the XXXX season shortly behind, I decided to utilize my last two months of forbearance, despite the fact that I'll be paying on this for another TEN ( 10 ) YEARS! On XX/XX/XXXX, I was notified that my forbearance was approved from XX/XX/XXXX to XX/XX/XXXX despite having made a payment on XX/XX/XXXX. The forbearance should have been approved from XXXX to XXXX. I contacted them and they told me I was wrong. 
On XX/XX/XXXX, I received a letter than my loan was entering repayment and my next payment would be due XX/XX/XXXX ( again, wrong ). On XX/XX/XXXX, I started receiving collections calls from XXXX XXXX XXXX telling me that I was 30 days past due and owed them {$640.00}. I was upset because it was 3 days before XXXX and the website was telling me I owed them more than {$950.00}. In tears, I spoke to a supervisor who told me this was a mistake on their part, that the forbearance was ended too soon and that they'd make the adjustments and send me a special letter detailing the circumstances of the error. I was reassured that mine and my cosigner 's credit reporting and would not be impacted. 
on XX/XX/XXXX, I received another collections call, spoke with another supervisor who said my request to fix their error was rejected and I'd essentially have to reapply for the forbearance I requested in XXXX. 
I'm actively drowning in this debt. Between this and my other private and federal student loans, I can not afford a home, I can not raise my credit score because my debt to income ratio is screwed. I need help. First mark Services is not able to service these loans sufficiently or in a way that doesn't prey upon hard working XXXX XXXX who followed the rules, went to college, went to XXXX XXXX, and have nothing to show for it except XXXX student loan debt.
Consumer complaint received 2020-01-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: College Ave Student Loan Servicing, LLC (CA)

I refinanced my student loans with College Ave Student Loan Servicing in XXXX. The account was paid off in excess of $ XXXX dollar on XX/XX/XXXX. When I called to inquire about when I could expect a refund for my over payment, I was told it would be no longer than 45-60 days after the payment was received. 

As it's now over 60 days past their acceptance of the payment I called to inquire about my refund to be told that I was given the wrong information and it's actually 45-60 working days before a refund is provided. When I asked for them to show me where that notification is posted on their website, or on the e-letter I received indicating my loan balance had been paid off in full they could not provide me with any written proof of this being their policy. 

Furthermore, they are now saying since their own internal refund department did not receive notification of the payoff until XX/XX/XXXX, it would be 60 working days from that date before the refund is issued. 

This is a complete scam. Who knows how much floating capital they are collecting interest on while borrowers are waiting for their money. This is an illegal practice, and also somewhat ironic as I can only imagine what kind of debt collection XXXX they would put someone through who was 60 days late of providing them with their required loan payment. 

This company is dishonest, DO NOT trust them with your loans.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I got a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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- ( A ) 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 ;
Consumer complaint received 2020-01-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (OK)

I have two mortgage on my home. This is a email message that I got on XX/XX/XXXX. : " IT APPEARS THAT XXXX XXXX XXXX XXXX, FILED THE CLIENTS CURRENT MORTGAGE TWICE IN ERROR. BOTH LIENS ARE THE SAME EXACT AMOUNT AND FILED THE SAME DAY DOC NO. XXXX & DOC NO. XXXX '' I called my current mortgage company, Flagstar, and ask them to please take care of it. They told me that they do not take care of problems like this. So I called the to other mortgage companies that had my mortgage and they said I had to contact my current mortgage company. After a few weeks of working to found who is responsible, it was Flagstar. With the help of XXXX XXXX of XXXX XXXX, XXXX. I filled out a request to have one of the loans removed. Flagstar asked us to wait for two weeks to get the release. XXXX called Flagstar to fine out why they haven't sent the paperwork yet after two weeks and Flagstar told her they needed one of  they forms fill out before they could do anything! ( XX/XX/XXXX ) I was told I would get the release on the XXXX, XXXX or XXXX of XX/XX/XXXX.I call in each and every day to get the paperwork set to me. On the XXXX I was told that it had to go to XXXX XXXX   for it to be release. I ask for a supervisor so I could hopefully get some one to help me with getting the paperwork that I needed. They sent me to XXXX XXXX. He told me that he would look into it and have my paperwork by XX/XX/XXXX or he would give me a call. He didn't give me a call and I had no paperwork stating that one of the loans were closed. I called in on XX/XX/XXXX and XX/XX/XXXX for the paperwork. Now they are telling me that it is in the legal department and will stay there until they are done with it. For some reason they have alienated in helping me with this and I fill like Flagstar is discriminating against for only reasons they know. I need help in getting Flagstar to do their due diligence for their only client. Right now they are costing me money in time, interest and stress.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pulled my reports and noticed you are reporting the incorrect date of last activity, and incorrect account status for account ( XXXX XXXX XXXXXXXX ). Because the date of last activity, and account status being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Also in the creditor remarks you put " Account information disputed by consumer, meets FCRA requirements ''. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

On XX/XX/2022, I bought a {$500.00} Vanilla Visa Gift Card at XXXX XXXX # XXXX. I gave it to my sister as a gift. She was unable to use the card and called the number on the card. They told her only the person who purchased the card could file a case. She gave the card back to me and I called Vanilla. On XX/XX/2022, I opened a case and sent them a front and back copy of the driver license, a front and back copy of the actual gift card, and the original receipt from the gift card purchase at XXXX. They responded and said it was a XXXX issued product ( the card clearly states it is a Vanilla card ) and asked me to send a copy of the receipt. On XX/XX/XXXX, I sent another copy of the receipt. On XX/XX/XXXX, I went to the XXXX where I purchased the gift card and they told me they could not do anything since it was not a XXXX card. When I did not hear back from them, I called Vanilla again on XX/XX/2022 and was told that my claim was denied. When I asked why, they merely told me to call the number on the bottom of the receipt. There is no number on the bottom of the receipt. They would not give me an answer as to why my claim was denied.
Consumer complaint received 2022-12-13
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. (MS)

I contacted Transunion to have fraudulent inquiries removed from my credit report after filing a report with the FTC. They keep telling me that they have not received any of my information tho it has been sent more then once. I need this fraudulent activity removed from my report at once.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I applied for a student secured credit card XX/XX/2019 ( est ). I was rejected, but I continue to receive junkmail soliciting me to apply again. Even after I opted out on the optoutprescreen website and contacting them I still receive snail mail credit card prequalify solicitations
Consumer complaint received 2020-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (AL)

I called in to set up a payment to come out on XX/XX/2019. When I spoke with the representive I told her I wanted to pay a little more than the payment. She stated that you shouldn't go over the amount paid cause it would not be applied to princple. I asked the representive what happened to all the money that has been overpaid on this account. The representative stated that it may be in your reserve. Once she got back on the phone she stated that there was nothing in the reserve account because I have been delinquent since the start of my payments for this account. I asked could I speak to a manager. A manager was placed on the line I told her that the information was incorrect and I should not be delinquent on the loan because I am paying what is due per the online website. I told her if there was a past due amount it was never told to me and does not say that on my account once payment is made. I told her I pay whatever is should on my profile. This means that you all ( Lending Point have been inaccurately reporting negative information on my credit and also have inaccurate information on my account via the website that I ( the customer ) is unaware of. The manager stated that she would speak with the tech team to let them know of the issue and that she can only modify the loan to remove the late payment. The manager also stated that any overage that I have been paying goes to the interest of the loan.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NJ)

Chime is not trying to give my refund back from XXXX they telling me I need The send them some paperwork from XXXX I even had the merchant on phone I have screen shot and been calling to no help very disrespectful
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Chase placed a lengthy hold on certified funds, stating it's their policy to treat money orders and cashier checks the same as personal checks. On XX/XX/XXXX I deposited 2 US Postal Service money orders each for {$1000.00} ( {$2000.00} total ) into my checking account. Although the funds were certified, Chase placed a generic hold for the maximum amount of time ( 7 biz days ). On XX/XX/XXXX the funds were still on hold and my rent payment was returned NSF. I called Chase Fraud Prevention team and spoke with Virginia (? ). She said I had to continue to wait until XX/XX/XXXX for the money orders to clear and refused to discuss waiving my NSF fee as it's not her area. I asked for a manager, and  was transferred to XXXX. XXXX was more helpful, yet couldn't quite explain the reason that Chase doesn't accept money orders as certified funds. She placed me on hold and had to manually have the funds freed up. Then, I asked her if Chase could re-present the payment to pay my apartment complex in hope of reflecting the original last payment received date. She advised that I would have to visit a branch ( in person ) to sign a NSF OD form with wet signature before XXXX EST. I confirmed the time again as XXXX EST, seeing as how that's the exact time I get off work. XXXX confirmed it, and I made arrangements with my boss to take another lunch break for the day. I get to the Chase branch and speak with XXXX XXXX. He advises me that the true deadline for the NSF OD form is XXXX EST and that there's nothing that he could do. As of XXXX on XX/XX/XXXX I am still trying to resolve this and be made whole. Chase placed a hold on CERTIFIED FUNDS for a generic reason, for the longest possible hold. I'm out of {$34.00} NSF fee for this item, and {$130.00} so far from my apartment complex ( late fees, NSF fee ). Chase should be made to refund my fee, as well as make me whole for the apartment complex fees. I have a transaction history here that reflects that I had plenty of funds to pay my rent with the XX/XX/XXXX deposit, that was held for 7 biz days for a generic reason. I raised a complaint with Chase ( case # XXXX ) but was advised it could take 7 days to even hear from them from an XXXX #, but they couldn't divulge the entire phone number because it's internal. 

My mother paid {$25.00} to overnight these money orders from XXXX XXXX to XXXX so I could pay my rent on/before XX/XX/XXXX, and is disgusted to find out that Chase was refusing to clear the payment until pushed to do so today XX/XX/XXXX. They would have held the money orders for two more days, had I not escalated this today. It should not be legal to hold certified funds and deem them the same as a personal check, and still charge NSF fees when they are the ones causing the funds to not be available. I've attached a snippet from my checking account ( ending in XXXX ) showing the funds available to honor my {$1300.00} rent payment.
Consumer complaint received 2024-04-17
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

Last month I was approved for unemployment insurance by California 's XXXX. They now issue benefits via a prepaid debit card from a company called Money Network Financial , LLC ( and I'm told the cards are actually issued by " My Banking Direct, a service of XXXX XXXX XXXX XXXX XXXX ). I waited weeks for the debit card to arrive, but it never showed up ( I use XXXX Informed Delivery, which emails me scans of every letter that's out for delivery - the letter with my card never showed up in their system, so I know that it was not stolen by my mailman ). 
I called Money Network XXXX XXXX to complain and they told me to keep waiting. The third time I called ( this Monday ), I was told that my card was activated and almost all the funds ( {$780.00} - almost XXXX weeks of unemployment insurance ) were transferred to a XXXX XXXX account. I notified them that I never received the card, did not activate it, and bank with XXXX, not XXXX XXXX. They said I could fill out a dispute form, which they only mail out physical copies of ( no email! ) and takes XXXX business days. Once I return the form, they start an investigation which will take XXXX days!! Meanwhile, I don't get the missing funds returned to me. 
I did some research online to see if others have had this issue and stumbled upon dozens of other people making the same complaint - their cards were activated ( either before the cards arrived in the mail, or the cards never arrived at all ) by someone else and the funds removed. This is clearly an inside job, as some people are reporting that passwords and other info were changed and only employees of XXXX, Money Network, or XXXX XXXX XXXX  could have had access to their data.
Consumer complaint received 2024-04-17
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On the morning of XX/XX/2024, I opened my Money Network app to check my balance. I woke up to find that my entire account had been cleared out. I saw that there was a transfer made for the amount of {$1300.00} ; to a personal bank account. I did not make this transaction. Not only did I not make that transaction, I have no clue what bank account it was transferred to. I immediately called Money Network to file a dispute for the transaction. This transaction was obviously theft. A representative from money network then closed my account, and told me that she would mail out a dispute form. It took almost XXXX weeks for the dispute form to show up in the mail. Once the dispute form arrived, i filled out all of the information and emailed it back to Money Network. I ended up receiving a denial letter for my dispute in the mail ; before Money Network even received my filled out dispute form. The denial letter stated that Money Network had found " no error had occurred " and closed out my dispute. Money network did not provide any information or proof, of how they came to that conclusion. I tried calling Money Network to talk to some one about the denial letter. Every time i would talk to some one, they would brush me off ; so i would ask for a supervisor. Every time I asked for a supervisor, they would just hang up on me - or transfer me to the California XXXX hotline. At this point, I am absolutely fed up with Money Network. Somebody stole all of my money, and Money Network refuses to do anything about it. I am currently out of work with a XXXX. It is horrible that Money Network would let something like this happen ; and not do anything to resolve the issue.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I have a credit card with Citi. Some months ago, without notice and without a significant change in my credit report they reduced my credit limit from XXXX to XXXX, while my debt with them at that time was about XXXX. That affected my credit report seriously, in the middle of the acquisition of a car and in the process to move to a new apartment. Never have had a late or overdrafts. I contacted them without any solution. 
Now, many debt was about XXXX for interest charges. Last week, the same day, they reduced my credit limit to XXXX and then, a copule of hours later they increased to XXXX again. Yesterday they reduced again to XXXX and put me in overdraft, an overdraft that was not mine, since I was inside my credit limit. They said my credit report dropped down, and actually was the contrary, it went up for XXXX points! That, again, affected me enormously and reduced my credit report in more than 25 points. 
Again I contacted them and now they say that I have to wait more than a month for an answer.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America credit card Paid {$51.00} outstanding balance on XXXX/XXXX/23 This amount was taken from my checking account, but now a second {$51.00} has also been deducted ( XXXX:23 ) Calling Bank of America automated response admits a credit if {$51.00} - bug I have not been able to reach a live person in three attempts to ask that the second deduction be returned.