davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armed Forces Loans of Nevada Inc. (NC)

I have been actively disputing an account with Armed Forces Loans for quite some time now. I recently began cleaning up my credit and notice, AFL was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and AFL verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show AFL was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, AFL updated my credit file as of XX/XX/XXXX, closing the account rather than deleting it, and again with inaccurate data. XXXX is reporting Highest Balance as {$0.00}, 88 % left to pay on loan and XX/XX/XXXX days late as XX/XX/XXXX, other files show {$4000.00} with 67 % left and XX/XX/XXXX days late as XXXX. Instead of correcting the data, AFL chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by continously validating inaccurate data. Please remove from my credit file.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We paid a credit card with Bank of America off on XX/XX/2021 ( {$3900.00} ). Yet somehow we were assessed a {$1.00} fee on XX/XX/2021. 

We called Bank of America to inquire about this {$1.00} charge, thinking it must be an error because the account balance was paid in full and the account had been closed. When we originally called them on XX/XX/XXXX, we were told that " there was a server error, '' that we could not be helped at that time and should call back. 

We called again this evening ( XX/XX/XXXX ), and the first representative with whom we spoke told us again that " there was a server error '' and to " call back in a few hours. '' Given our previous experience, we were not satisfied with that answer and asked to be transferred. The next representative told us that a waiver had been submitted to have the {$1.00} charge removed from our account, and that it would take a few days to process. We have previously resolved erroneous fees on this account, and were not satisfied with the " few days '' answer. So we requested to speak to another representative. 

The next representative ( the " escalation manager '' ) said that " nothing could be done, '' and that her supervisor was not available to help. She offered to put us in the customer service queue, and we were transferred to yet another representative. This individual stated that the charge was a system error that was applied and put us on hold. She then came back on the line, told us that the charge was valid, and explained that is was a " minimum interest fee '' on XX/XX/2021. 

The account balance was {$0.00}. How can you charge interest on a {$0.00} account balance? 

This action feels predatory because when we paid off the account on XX/XX/XXXX, we were told that " we were good, '' and to not expect any further transactions with Bank of America for this account. However, we were suspicious when we received an email weeks later saying that we had a statement ; how could we be issued a statement for an account that had been paid off? We checked, and saw the {$1.00} charge and began the process we just described to you. 

The predatory part is that, if we had not checked and seen the {$1.00} charge, there is no doubt in our mind that Bank of America would have charged us late fees for that charge. Not to mention the " run around '' customer service experience. We spoke to six people before we got an actual answer! All for a charge that was placed on an account that had a {$0.00} balance! Again, how can you accrue interest on a {$0.00} balance? Not to mention that any late fees would have resulted in negative information on our credit report. 

Needless to say, this is not the first negative experience we've had with Bank of America. We will take our business elsewhere next time. 

A multi-billion dollar company that makes its money by nickel-and-diming ordinary Americans? It is a disgrace to the USA that they have America in their name.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (CA)

Received a letter with request to payment to the company Revco Solutions I do not recognize and never contracted any service from. They claim to act on behalf of XXXX XXXX, but I don't know who they are either. 

My attempt to log in to their website for inquiring more information resulted in attempt to install some software on my computer.
Consumer complaint received 2019-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

In XX/XX/XXXX i made an additional payment of XXXX to my loan at speedy cash to bring down the balance to XXXX. I had problems to make that extra payment already. I had to go through multiple people to even get them to take the extra payment. After I got it they said i still had to pay XXXX dollars for 12 more weeks to Pay off the account. Explained thats not what was explained to me, that the interest payment on XXXX is no where near XXXX.
Consumer complaint received 2018-08-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (FL)

After repeated attempts at asking them to please stop calling me, my employer, my family and close friends, AmEx has continued making harassing phone calls. I am seeking legal action as there have been various FTC breaches with this company.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX, I was emailed and invited to open a Citi Elevate High-Yield Checking Account with the following terms : Earn a cash bonus OF {$200.00} How to earn your cash bonus : Open a new Citi ElevateSM High-Yield Checking Account by XX/XX/2020. Then, within 30 days after account opening, deposit a minimum balance of {$5000.00} and maintain the balance for 60 days to receive your {$200.00} cash bonus. 


On XX/XX/XXXX, I opened the account, setup the checking account as an outside account at XXXX Bank ( including verifying with username/password pair ) and initiated a {$5000.00} transfer. 

On XX/XX/XXXX, I received notice from XXXX XXXX that the ACH transfer rejected. XXXX stated that Citi rejected it. Citi told me to just 'try again '. 

On XX/XX/XXXX, I setup XXXX XXXX  as an outside account on Citi 's website. I verified my XXXX account using my username/password pair. I then initiated a {$5000.00} transfer from XXXX to Citi. 

On XX/XX/XXXX, I was called by Citibank who said I needed to verify my XXXX account to complete the transfer despite having already verified through their website. They then called XXXX with me on the phone and expected me to answer my XXXX XXXX security questions with them listening. I objected and told Citi to close my account. 

In both transfer attempts, the {$5000.00} was withdrawn from my XXXX account. In fact, as of this writing, I have not received my {$5000.00} back from my attempt to initiate the transfer at Citi.
Consumer complaint received 2018-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP (NC)

My student loans are through Keybank and were initially services by XXXX XXXX. I've paid my loans on time since graduating in 2006. While my loans were serviced by XXXX XXXX I paid the same amount every month. My loan servicer was changed to XXXX XXXX in XXXX and now my monthly payment to is variable and will change every month or so which is difficult for me to budget for. I have also paid my loans for the last 12 years and Keybank will not allow me to remove my sister as cosigner which has caused her undue Financial hardship
Consumer complaint received 2021-04-12
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. (FL)

I contacted experian about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could Experian verify this account. Surly they never investigated.
Consumer complaint received 2018-08-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (TX)

This complaint is in regard to what is believed to be a scam company referenced as Premier Student Loan Center allegedly located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( likely a drop box ) with

various telephone numbers that appear to be local and web address www.premierstudentloancenter.com.
PSLC called me today at XXXX from XXXX ( XXXX   XXXX, TX ). After multiple disregarded calls from them, I answered this call. The lady asked for my name and how much I owe in Student Loans, then transferred me to another lady who was going to tell me all about the forgiveness program. 

Enjoying the amusement, I decided to listen up.

She again asked for my name and amount I owed. I informed her the lady gave her that information when she introduced the call, and I only want to know about the program. She said she would just make it up, I said OK. She then proceeded to explain the program to me and stated the Department of Education will pay my loan off through PSLC , take it back and lower my rate. I responded, first off, the Department of Education isn't paying off anything, they never have or will so let 's get that straight. She immediately started yelling to the top of her lungs, stating I work with loan forgiveness and you don't know what you're talking about, You are trying to tell me you know everything, I don't understand the point of this call if you refuse to let me talk. She paused for a second and I started laughing and asked why she was so upset, she then started up again, I'm not upset, I'm not yelling, you're yelling, then she put me on hold for 3 minutes and disconnected the call.

As comical as it may be to me, I'm fortunate to have a career where fraud is identified regularly, but others aren't so lucky. This company need to be shut down, sanctioned and fined for these illegal practices and taking advantage of misinformed and disadvantaged people!
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OR)

Chase bank mailed me an offer for a new credit card in the US mail. The card said it had to be opened online. There was no offer code. I opened the card in XX/XX/2018 online. I was supposed to receive a {$100.00} credit after first purchase. When I contacted them, they said I had a different offer, which is untrue.. When I talked to a supervisor, she said that I had to apply in WRITING or by PHONE in order to get the {$100.00}, even though the card said to apply ONLINE. When I emailed them copies of the ORIGINAL offer, they said they'd get back to me in 2 or 3 days, but never did. Chase 's marketing department is playing a shell game, and I am furious at their dishonesty. I did get the XXXX miles as promised ( after spending XXXX in 3 months ), but I also want the {$100.00} credit as promised. I am attaching my proof and their reply. 
Thank-you.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OR)

In XX/XX/XXXX, I was released from my job with XXXX XXXX XXXX and XXXX XXXX. At that time, I took advantage of the COVID-19 relief and went into forbearance on my mortgage with Caliber Home Loan. In XX/XX/XXXX, my forbearance ended, and I attempted to take advantage of the loan modification process afforded to me. Caliber Home Loans continued until XX/XX/XXXX to delay this. They kept giving me incorrect information and making me file unneeded paperwork in what I now see as an attempt to secure an interest rate more advantageous to their company. Instead of calculating my modification at XX/XX/XXXX interest rates, it was done at XX/XX/XXXX interest rates, which is a significant disadvantage to me. I made the three months of trial payments and complained and asked for help through XXXX of XXXX ; at the end of that period, my loan was passed to XXXXXXXX XXXX, who finalized my modification. This issue is brought up every month with them on a phone call. They have yet to respond and give me the one-month grace period between the end of the trial payments, not to make a payment as I had been part of the modification deal with Caliber Home Loans. In the end, I have been required to pay every month, and now my payments are almost precisely what they were before the modification. 

Caliber Home Loans has a complete record of my calls and documents. 

I am asking : 1 ) My loan interest be adjusted to the interest rates of XX/XX/XXXX as they should have been when I requested the modification on the COVID-19 Forbearance program. 

2 ) I am granted the one-month grace between the accepted modification and the payments under the new rate beginning. 

3 ) My late fees be removed from my account with XXXX as I am behind due to unfair and underhanded practices by XXXX XXXX XXXX. 

Thank you,
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Collections Inc (WA)

I received a phone call the first part of XXXX from XXXX where she called my phone and asked to leave a message for my husband regarding a debt that he owed in Alaska to XXXX XXXX for over a XXXX dollars. She did not have permission from my husband to call me or leave a message at my phone. She then called me back and said that they also had an outstanding debt for me. She then called a few days later and I asked for the information in writing. I received a letter " FINAL DEMAND FOR PAYMENT '' saying that I owed XXXX   XXXX XXXX {$840.00}. I'm trying to find out how old this debt is as I can not find it on the court records for XXXX right now. 
She called yesterday and again today from a private number. She is calling me during work hours. She called and left a message at XXXX XXXX and then sent me a message to my email address to take care of this debt and resolve this within 72 hours or before they litigate this debt. I then got a message where she called my daughter this afternoon at XXXX and left a message with her that she is trying to get in touch with me over a debt. 
This is harassments. I have not had a chance to make any arraignments and she does not have my permission to contact my children. Sending letters that Not responding will lead to litigation is a threat!
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (FL)

The hospital did not file the claim within the timely filing period. I contacted the billing department and they cleared the debt because it was being reported wrong and is not my responsibility. This debt is not mine and should not be in my credit report. I disputed the debt through the credit bureau and the company did not do the research. So they are continuing to report an invalid debt. Had they done the reasearch they would know that the debt is paid in full and never was my responsibility. This account has been sold over and over again and is now with Ability. They need to follow suit and delete this account.
Consumer complaint received 2018-08-16
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. (MS)

XXXX Experian XXXX is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX
Consumer complaint received 2018-08-16
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)

XXXX  XXXX TransUnion is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, Agreed to remove and delete this account from all 3 credit Bureaus upon returning the vehicle. so far they have deleted from transunion, but wont delete it from the other 2 they provide different inaccurate information. In transunion they claimed I opened account on XX/XX/XXXX, On XXXX they claim XX/XX/XXXX. In XX/XX/XXXX they reported to XXXX the account was refinanced, before they reported that the car was reposed, also payment information is in incorrect. They previously reported I was late XXXX now they report XX/XX/XXXX.
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I set up autopay, for a few days before my due date, while on the phone with a Kia representative. Great- payment went through with the info I entered, no problems. The next month, they said the payment was rejected by my bank and waited until 1 day after the due date to tell me, charged me a {$15.00} rejection fee. I went online, clicked " pay bill '' ... .did n't enter different information, used everything Kia had already to make the payment ( meaning my 14 digit checking acct. # was saved to my Kia acct. properly ). There was no reason Kia couldn't have processed the payment, but they processed it with only 11 of the 14 numbers. I called Kia and they assured me it was fixed and wouldn't happen again. Next month... same thing. I had to call Kia 6 times to get it sorted out. They shut down my online acct. less than 24 hrs. after my due date so I could not pay online and when I asked to be transferred to online help to see why the autopay wasn't working and find out why I was couldn't pay online, they transferred me to a third party collection agency, XXXX, and they wanted a {$7.00} fee to process the payment over the phone, plus the late/processing fee of {$15.00}. I was assured my autopay was set-up correctly by Kia, and then they charged me late fees because they didn't process the payment correctly. I begged them to waive the fees, and they did, but rfused to allow me access to my acct. or transfer me to any other dept. except collections until my payment processed. Collections after less than 24 hrs. late... .with autopay set up correctly.