davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Good Evening, I was unabled to open a Bank Account with XXXX XXXX XXXX. A few weeks later received a letter saying I have things in revolving credit and charges in collection. I received my credit report and it says I owe Bank of America XXXX from XX/XX/18. I do not recall this overdraft of this account.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Care credit tacks on a card protection fee in the fine print. After a recent purchase, a fee was tacked on for card protection of around {$40.00}. They give the run around on cancelling this fee, stating it will take two business cycles to reverse. Its predatory, especially considering the nature of this card.
Consumer complaint received 2018-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

Hello, I am writing regarding the harassment & fund embezzlement done by PHH mortgage company XXXX XXXX XXXX. We are the current owners of this property and are having difficult time getting our house repair completed ( water damage ). We closed this house on XX/XX/XXXX. 

XXXX XXXX XXXX has sent the check to the PHH Mortgage of {$14000.00} dated XX/XX/XXXX check # XXXX. PHH Mortgage company have already cashed it out but are not diverting the funds towards right claim ( they are not sending it back to us on XXXX XXXX XXXX ) .Claim # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. 

My realtor contacted and I personally called PHH mortgage company on several occasions.PHH mortgage is giving my realtor, previous owner and us a run around. 

We are harassed mentally physically and monetary wise.Kindly, help us by intervening into plea of our. 

Best Regards : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-05
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)

i have written both XXXX XXXX and XXXX ( XXXX XXXX ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NM)

On XX/XX/2019 I sent a dispute letter to the CRA disputing factual error on my credit report of which it came back verified by comenity bank / XXXX, how can this be???? how can they respond to a dispute without documentation???? The FCRA requires to be 100 % accurate to report an account so how can they be accurate with no documents to check for disputed errors. I called them and one of their employee XXXX employee # XXXX say that the account is no longer with them they also send me a letter saying the same of which I will attach as well. I demand that this account to be removed from my credit report.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX my student loan repayment was waived because of disability. I was placed in a annual review for a number of years. The monitoring period ended and all of my student loans were permanently and totally discharged on XX/XX/XXXX. 

Credit reporting agencies, do not reflect that all of these loans were previously discharged. Some credit reports show that I'm in the monitoring period until XXXX. 

The loan amounts are so much higher than when they were taken, because of interest charged during disability monitoring.
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I recently applied for public service loan forgiveness and was approved and place with FedLoans as my student loan servicer. I completed all of their online documentation and opted to complete online payments. Additionally, prior to being placed with this scam company, I completed the federal application to renew my income-driven payment application which was approved and accepted by XXXX XXXX student loan servicer. 

First, FedLoan claims my bank ( XXXX ) rejected my online payment because they couldn't find my account. In doing my research this is a common complaint people have about this company. I logged into my account to review what I had entered and all the information was correct. I contacted FedLoans and was given the same song and dance, I explained the I pay Navient Loan servicer every month using the same account information. In speaking to my bank, no payment from FedLoans was ever sent to XXXX with an account similar to my account or my account number. 

Then, I received a message that I had failed to complete the Federal Student Loan Income-Driven Recertification application so, now I owe {$2500.00}. When I called I explained I completed the recertification process on XX/XX/2019, and I was told that the application was insufficient and I had to complete it again. In the meantime, I receive correspondence from XXXX stating my income-driven recertification application was denied because it was not time to recertify my application. 

It is plain to see that this is a scam of a company and they are being allowed to force consumers to pay outrageous amounts through unscrupulous business practices that border on the line of illegal and are most certainly unethical.
Consumer complaint received 2018-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

i have written both Cap one and XXXX ( XXXX XXXX  ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX  some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MA)

The collection charge happen in XXXX. ( details below ) What I need help with : In XXXX I sent out a goodwill letter. The collection was removed. 
I was expected into a housing program. 
The collection agency put the XXXX back on just using a more recent date. 
Ive been rejected for housing over and over. Because of this It drops my credit score .Im losing out on housing. Please help I have until XX/XX/XXXX. To find a place. 


What happed In XXXX My daughters and I were new to Cell phones. They were watching movies. ( We didnt even have cable ) I called XXXX I was set up on a payment plan. I was living on SSI/child support. 
I thought I was making the monthly payments. Before I knew it all our phone were shut off. I was charged an early termination on 3 phones.I didnt understand what happened. 
I asked for a copy of my bills. 
We were in the process of moving at the time.Our new apartment fell through. I was living out of my car for 3 months. It was a year later XXXX had sent it collection no one could help me.XXXX I figured out what happen. I was making monthly payments not bi weekly payments. With all the payments my bill is paid off. The rest is all cancellations fees. 3 phone were canceled. 
Thanks XXXX
Consumer complaint received 2020-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX XXXX  sent letters to 3 of my capital one accounts back in XXXX, the request was to remove negative remarks, account status rating shows derogatory and I went on a payment plan with capital one, all accounts have been paid and should reflect that with all 3 bureaus,
Consumer complaint received 2017-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I 've encountered one major problem with the way my payments are being handled by the lender.
1. I enrolled in automatic bill payments from XXXX XXXX months or even years ago believing that I would pay monthly interest while I was out of school to not accrue interest. When I went to review my account today I noticed I had accrued a little over {$600.00} in interest. It seemed a bit odd because my monthly amount was set for {$580.00} which should have taken care of all accrued interest for my original full loan of which I had already started making pre-payments for, thus some of that amount should have already started going towards the principal. I called the servicer to inquire about why that may be and also why when I look at my recent payments I only see the additional prepayment amounts and not my monthly automatically set up payments. I was informed that because I 'm back in school and do n't currently owe anything on my loans my payments were suspended by the lender. 
There are two problems with this : ( 1 ) I was n't informed via email or through any other means that my payments were suspended because of the aforementioned reason. 
( 2 ) When I visit the automatic payment page through the leander, it still shows that automatic payment, its amount, and asks whether or not I want to suspend the payment, which should be made the first of each month. That makes me believe it 's still current and not suspended. Also, nowhere else on that page does it mention that payment as being suspended ( please see the screenshot attached ). 
While talking to the supervisor about this ( XXXX ), I was informed that it was part of the original documentation when signing up for the automatic payment and, therefore, they fulfilled all of their obligatory duties in informing me of the payments being suspended while I 'm enrolled in school. 
Not displaying my suspended payment clearly on the automatic payment site where I go to review my payment is an attempt by the leander to accrue more interest. I ca n't be expected to remember every term of a document I signed years ago, nor would I go to review said document over the actual site where the payments are being made for the most up-to-date information.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NM)

This is regarding BNY Mellon who holds Medicare XXXX XXXX funds for XXXX XXXX XXXX and issues monthly refund checks. The bank has made changing a mailing address extraordinarily difficult. I spoke with two representatives who told me that I could not change a mailing address unless I opened an online account, however, at the same phone number, XXXX, there is a recorded option that gives instruction for changing an address by mail. On XX/XX/XXXX, I sent a letter with all the included items listed on the recording to the exact address on the recording from the post office at zip code XXXX. The address change has not been made. I have tried to follow up on this address change, and called the phone number above today, XX/XX/XXXX. I chose option XXXX to speak to an agent and was hung up on. 

This is not the first terrible experience with this bank and changing of address and changing from mailed checks to direct deposit. All I ask is that my mailing address be changed as per the letter sent on XX/XX/XXXX and that a confirmation of this address change be sent to me promptly. I am moving and do not want anyone else receiving my banking information at BNY Mellon.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

I contacted Chase regarding my attempts to make payments using their mobile app which is how I have always made my payments. Since XX/XX/XXXX they have charged me a late fee each month on top of interest when I was told I was getting 0 % for a balance transfer I completed. It seems as if every time when it gets close to making my payment, theres an unknown issue with the mobile app and I have to call Customer Service to make my payment and ask for them to waive my fee. I contacted Customer Service. I have two accounts with them. One Newley opened. It would not allow me to add my external account to make my payment on time and when it was added after the fact I was then charged a {$25.00} late fee. They did not remove the fee. The card Ive had for years with them I completed the balance transfer on. I was misquoted the difference I needed to pay so I wouldnt be charged interest and the representative that helped me told me he would not waive but one fee. Since then I have been charged a total on one card that has not been credited back {$100.00} on one card and {$25.00} on the other. I have contacted the Executive Office of The President on XX/XX/18. Spoke with a guy named XXXX. He hung up on me and didnt call me back. I called back and got a Supervisor in complaints who put me on hold and never came back and made the call hang up again. Not happy about this. Ive always paid my credit cards on time.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (NY)

I have been paying my monthly payments on time but because of the covid-19 I couldn't finish pay it in the 12 months free of interest in XXXX I called the bank and they extend for 2 months more but my husband and I got XXXX  and we couldn't complete paying the amount. My credit amount was XXXX and I had 12 months to pay but in XX/XX/XXXX, my balance was still XXXX and the bank is charging me XXXX dollars only in interest. I don't have the money to pay all that, I spoke with the bank to see if They can charge interest only in the amount that I have XXXX because I haven't been working but I still made my payments on time but They want to charge interest on the total amount of XXXX because in the contract I signed it was explained about that.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (MS)

I requested my credit report from XXXX. I saw this debt on my credit report. I disputed it with XXXX. I have not received any information about this debt whatsoever. I have never received a letter from the company. XXXX also has an address on my credit report that Ive never lived. I am XXXX XXXX XXXX. This is a scam. I have never heard of this company. I have been with my same bank for over 50 years. My bank is in the town I live in.
Consumer complaint received 2021-02-12
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. (MO)

OnXX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-05
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: Experian Information Solutions Inc. (TX)

I have submitted a 605b fraud affidavit for these inquires on my credit report Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX  XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Federal Government XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (NY)

I disputed this twice the answer they came back with was accurate and verified but who is verifying this? is isnt my debt i asked for discovery proof it is mine and yet no correspondence was sent in any event i no longer want to see who did this to me i want to see action against collection agency for violation of fcra requirements source recevables account number XXXX
Consumer complaint received 2022-02-18
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. (GA)

Pursuant to XXXX XXXX XXXX, Experian has the responsibility of reporting accurate information. The following addresses listed on my consumer report are inaccurate and I tried to dispute them. Upon trying to disputes these addresses, Experian blocked my attempt noting that only the creditors can verify my the accuracy of the addresses. : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX.
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

Collection account appeared on credit report for ALL 3 bureaus and I have NO knowledge of this debt. 

Alert Date XX/XX/XXXX Source XXXX Company SOUTHWEST CREDIT SYSTE Address XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$250.00}
Consumer complaint received 2021-05-09
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: SYNCHRONY FINANCIAL (PA)

Paypal credit is the responsible party. I was double charged my auto drafted payPal credit card payment by paypal credit services of {$160.00} x2 starting in XX/XX/2021 - since then I have requested the second payment be refunded to me 3 SEPARATE times. After each request the operators all telling me to keep an eye out for a check in the mail 7-10 business day later. then i waited an additional month for each with NOTHING. So on the fourth request I called and they once again told me it was on the way. I finally got a refund check and it was a REFUND CHECK OUT OF MY OWN CREDIT ACCOUNT! so now ive been effectively charged 3 additional times for the same {$160.00} and when I tried to deposit one of the checks into my account just to get ahead on some other bills that check ended up bouncing and i got charged another {$20.00} bounced check fee from my bank
Consumer complaint received 2018-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I opened a checking account on XX/XX/XXXX using a referral code from my friend. The offer that came with this code was to get {$250.00} bonus after depositing {$10000.00} and keeping it for 8 weeks. I have completed this requirement, but never received {$250.00} bonus. I contacted HSBC in XX/XX/XXXX and they promised that bonus would be deposited within 8 weeks. So I waited 8 more weeks, but again received no bonus. When I contacted them again they started telling me weird stories. First they told me that I don't qualify for this bonus because I had a credit card opened with HSBC. In fact I never had any credit card with HSBC.  Then they told that I don't qualify because I had HSBC debit card opened as of XX/XX/XXXX, but offer required no opened account with HSBC as of XX/XX/XXXX. Yes, I had a checking account with HSBC before, but it was closed on XX/XX/XXXX, which is 5 months before XX/XX/XXXX, so I couldn't have any active debit card on XX/XX/XXXX. I had to explain that several times, but they still refuse to issue {$250.00} bonus without any reasonable explanation. As a result, I had to keep {$10000.00} on this checking account for almost a year hoping to receive the promised bonus and I lost an opportunity to earn interest in other banks.