davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (IL)

Barclays Mastercard credit card has now charged me erroneous interest XXXX months in a row. I have pasted my previous complaint against them below for context, and the same issue has now repeated itself this month. Barclays has charged me interest even though I have autopay setup to pay my entire statement balance XXXX days before the due date. This happened on my XX/XX/2022 statement where I was erroneously charged {$38.00} of interest ( see my prior complaint below ). This has now happened for a second time on my XX/XX/2022 statement where I was erroneously charged {$53.00} of interest. I had autopay setup to pay my entire statement balance before the due date, so there is no reason I should be charged interest. Barclays said they would fix this issue but they did not. I would like a refund of this erroneous {$53.00} in interest, as well as compensation for my time spent dealing with this issue twice now. If I do not receive compensation from BarclayXXXX, I will be pursuing a lawsuit in small claims court and making additional complaints to other banking regulators. 

Previous complaint : I have a Barclays Mastercard credit card. I have had this card for years and have always had auto-pay set up to pay my entire balance 5 days before my due date. This ensures that I do not pay interest, because my entire balance is paid XXXX days in advance. However, inexplicably, my XX/XX/2022 statement showed {$38.00} in interest charges. It showed a previous statement balance from XX/XX/2022 of {$3000.00}, but it only showed my automatic payment as {$2900.00}. Thus, I was charged interest because Barclay 's automatic payment system failed to pay the entire statement balance. This has never happened before, and I don't understand why it happened this month. Barclays never called me to let me know of this error. Had I not checked my statement, I would have paid {$38.00} in erroneous interest charges due to a failure of Barclay 's automatic payment system. On XX/XX/2022, I called Barclays. They agreed that their automatic payment system had made a mistake, and they waived these interest charges. However, they couldn't explain why this mistake was made. They said it was a " computer glitch '' that happened sometimes.
Consumer complaint received 2021-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

Hello. I have served as a public servant in higher education for the past 13 years. I recently submitted my application for Public Service Loan Forgiveness after successfully making 120 on time payments over 10 years. I work for an XXXX XXXX XXXX- The XXXX XXXX XXXX. My application was submitted on XX/XX/XXXXXXXX  to my servicer ( FedLoan Servicing ). I received a response on XX/XX/XXXXXXXX  indicating the Department of Education needed additional time to verify my employer. I found this to be a bit perplexing since the XXXX XXXX XXXX ( my employer ) is responsible for reporting all student loan federal compliance reporting data to the department as well as fed loan. If they should know who anybody is, it's my employer. I have checked in every month since then, most recently on XX/XX/XXXX. There is still no update on the status of my request and now I am receiving emails from the department requesting that I prepare myself to reengage in payment cycles after XX/XX/XXXX. Please help me in resolving this so that I can receive my PSLF. I have diligently complied with the requirements over the last 10 years and feel this wait time is absolutely not right. Thank you very much!
Consumer complaint received 2020-12-15
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: Adler Wallach & Associates, Inc. (LA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any status are investigation results.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (FL)

On the evening of XX/XX/2021 I received an email from BBVA USA compass, a bank that Ive been a customer with for the last three years, stating the theyve disabled my access to my checking accounts via online or the app. No reason was given and I couldnt get anybody on the phone until the morning. 

The morning of XX/XX/XXXX. XXXX I was transferred to a rude and nasty person named XXXX in the card fraud operations department. XXXX told me my accounts have been frozen and will be closed due to the number of disputes Ive sent it regarding unauthorized charges to my account. Theres only one person in this entire company that can freeze an account per XXXX and her name is XXXX. I have approximately 21 individual disputes totaling {$2200.00} from unauthorized transactions as I have a relative whos present incarcerated at the Georgia XXXX XXXXXXXX XXXX and we speak via email on the XXXX app whos the third party their corrections department sources out emails and phone calls too. Somehow someone got a hold of my card number snd was sending cash to different inmates through XXXX and XXXX which I never have used. Theres other charges such as overbilled hotel charges and other things BBVA already has ruled in my favor and close some of these disputes. 

When they closed my accounts, I have a balance of {$6700.00} which consists of my monthly social security earnings and some of my settlement for my backpack my from my social security XXXX case. I also received my stimulus check of {$1400.00} on XX/XX/XXXX the day they decided to freeze my accounts. 

I have no access to my money : Im a XXXX veteran whos low income on Social security XXXX. That {$6700.00} is my life savings and I cant even put gas in my car right now, pay my rent, lights, nothing! 

The rude people at BBVA said theyd send me a check once they conclude all of the open investigations of my disputes. They said that can take up to 45 days. 

This is totally and completely unacceptable!!! I need my money sent to me as quickly as possible! This company has no idea how this has screwed my entire life up and I can be homeless in the next two weeks if I dont pay my bills. Even worst case scenario the {$2200.00} they ruled against me for which they wont still leaves {$4500.00} of my social security and stimulus money I need!! 

Theyve discriminated against me for being XXXX, theyve treated me like a common criminal when Ive done absolutely nothing wrong! I want my {$6700.00} thats rightfully mine overnighted to me ASAP! 

Please help me with this rogue bank who thinks people have 45 days to get money back thats rightfully theres and they illegally freeze and cant live and will be evicted from their house and lose everything!!!!
Consumer complaint received 2018-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I WENT TO APPLY FOR A NEW APT . TODAY AND FOUND OUT I CAN NOT MOVE INTO ANY APT . BECAUSE I WAS IN DEBT COLLECTION FOUR YEARS AGO WITH HUNTER WARFIELD AND IT WAS PAID XXXX XXXX  2014 IT WAS NEVER SENT IN TO BE TAKEN OFF MY CREDIT HISTORY. I WAS LIVING AT XXXX XXXX WHEN THIS TOOK PLACE AND IT WAS A MISTAKE AND IT WAS PAID FOR. PLEASE CHECK INTO THIS MATTER SO I MAY MOVE FORWARD. THANKS
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

In XX/XX/XXXX after XXXX County Florida was declared a natural disaster from Hurricane Irma we reached out to our Mortgage Company XXXX XXXX to see what our options were as were not sure to the extent of the damages and how much it would cost us. I called XXXX XXXX and spoke to Representative XXXX and she stated that the Forbearance would be for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no late charges and payment would begin back in XX/XX/XXXX. We also at that time would have to make a decision ( in XX/XX/XXXX ) to do a payment modification on months in forbearance or pay those months back that was in forbearance ; per conversation with Representative XXXX. On XX/XX/XXXX we received a letter from XXXX XXXX confirming the forbearance for Hurricane Irma. We paid {$3500.00} on XX/XX/XXXX with customer service Rep confirmation # XXXX as we no longer needed the forbearance and didn't use that mortgage payment money therefore we simply paid the months that were in forbearance. On XX/XX/XXXX we received a post in the mail dated XX/XX/XXXX from XXXX XXXX stating they have reported us late to the credit bureau about a late or missed payment. I called on XX/XX/XXXX at XXXX spoke to XXXX a customer service representative asking what payment was late. He stated XX/XX/XXXX on. I told him we were in forbearance at the time due to hurricane Irma and he confirmed this, apologized, stated their mistake and would research it and get back with me. That was two weeks ago, I still have no response from the mortgage company or that our credit reports were fixed.
Consumer complaint received 2022-10-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2021-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I opened a FREE savings account with Bank of America in XXXX. I just noticed on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  I was charged an XXXX XXXX monthly service fee. I have had this savings account for 17 years and have NEVER been charged a monthly service fee before. I called Bank of America and spoke to a customer service rep, I asked why they started charging me this fee all of a sudden. I had NOT authorized any type of account change and I had not been notified of any changes. She told me the savings account required that I keep a {$500.00} balance. This had NEVER been a requirement before and I have never been notified I would have to meet this requirement to avoid an XXXX XXXX monthly service fee. The customer service rep researched my account and after 45 minutes could not tell me why I was never charged a monthly service fee prior to XX/XX/XXXX. She also refused to refund the two service charges. I asked to speak with her supervisor. When he got on the phone he told me the same thing as the customer service rep, there is a {$500.00} balance limit and he also could not tell me why I was all of a sudden being charged a fee that I hadnt been charged for the previous 17 years. He also refused to refund the two XXXX XXXX monthly service fees. I find it absolutely appalling that after 17 years of owning a FREE savings account, Bank of America can all of a sudden start charging me a monthly fee. I never authorized changing to a different type of savings account that WOULD charge a monthly fee. And Bank of America can not even tell me WHY or WHEN this change took place.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

EXPERIAN continues to refuse to delete an old XXXX XXXX  account opened in XX/XX/XXXX and closed in XX/XX/XXXX. This account was from a divorce dispute with my former spouse and is old, outdated information.
Consumer complaint received 2021-10-24
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. (IL)

Transunion has repeatedly reported incorrect balance on XXXX XXXX credit despite filed dispute of inaccuracy of account balance. As of XX/XX/XXXX XXXX and XXXX report the correct balance, but Transunion has continued to report correct balance reflected on XX/XX/XXXX statement. This has been the basis of its credit scoring.
Consumer complaint received 2021-11-04
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: SYNCHRONY FINANCIAL (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. SYNCB/GAPDC Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MI)

I am asking for the collection account from Procollect to be removed from my credit report because the creditor XXXX XXXX sent the account for collections BEFORE the due date. I paid the account within the 90 days allotted as stated by the property manager. I have an email dated on XX/XX/XXXX from the managing office stating that I have 90 days to make the payment of XXXX. I paid the account WITHIN my allotted time hence it NEVER should have been sent for collection. I have a signed receipt of payment made on XX/XX/XXXX which falls WITHIN my ninety day window. I also have a copy of the check that was given.

The XXXX XXXX is extremely uncooperative with this process and even hung up the phone on me when I provided them with this proof. The XXXX XXXX   company was extremely rude. Both avenues have been very unprofessional. I paid the balance WITHIN the 90 day window that was given therefore the account needs to be removed from my credit report.

The account was NEVER supposed to go to collections to begin with because I paid on time.
Consumer complaint received 2020-09-10
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: EQUIFAX, INC. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (GA)

I took out a new automobile loan with Navy Federal Credit Union on XX/XX/XXXX for the sum of {$35000.00} with included gap insurance. 

Mr. XXXX advised me that I can refinance my loan to lower my monthly payments since I was diagnosed with XXXX XXXX ; I did agreed to refinance the loan and I asked Mr. XXXX if I would still have GAP coverage on my car loan, he informed me that loan coverage and everything will remain the same except the monthly payment and loan expiration date! 

On XX/XX/XXXX I had a no fault Car accident and my car was total based on inspection by XXXX XXXX XXXX Claim Adjuster. 

The loan balance to Navy Federal Credit Union was {$14000.00}, on XX/XX/XXXX ; On XX/XX/XXXX, XXXX XXXX XXXX remitted a check in the amount of {$8800.00} to Navy Federal Credit Union leaving an outstanding balance on the loan of {$5200.00} which GAP insurance should pay the balance to close out the loan. 

I spoke to Mrs. XXXX on XX/XX/XXXX, and she informed me that I no longer had GAP insurance on loan # XXXX, and I will be responsible for the balance amount of {$5200.00}, because when Navy Credit Union refinance my loan Gap insurance was not included and Navy doesnt offer Gap insurance for a loan that is finance, I informed her how many times do Navy Federal Credit Union once to charge for GAP insurance when this was already paid on the originate loan. 

I am pleading to your organization to assist me in resolving this debt matter to come to a complete resolution! 

Thank you for your time and corporation in this matter! 

Sincerely,
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. Validate Account XXXX  Account Number : XXXX Please remove it from my credit report.

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

8. Validate Account Account Number : XXXX Please remove it from my credit report.

9. Validate Account Account Number : XXXX Please remove it from my credit report.

10. Validate Account Account Number : XXXX Please remove it from my credit report.

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

12. Validate Account Account Number : XXXX Please remove it from my credit report.

13. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I called in because I was trying to find out why things werent clearing my account and my XXXX payment was still pending when it normally would go right through as long as the funds were there. Plus there were other payments pending that should have gone straight through as long as the funds were there. I spoke with supervisor XXXX which would not listen and chose to hang up instead of checking into things further. She gave information that wasnt true.
Consumer complaint received 2022-06-15
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (IL)

I owed XXXX XXXX XXXX they sold my debt to a debt collector by the name of Amsher Collections and I paid them a Total of XXXX dollars because thats what they said I owed XXXX when I complained over it being on my credit for the wrong amount, Well XXXX   told me I only owed them XXXX so that I over paid So they were going to send me a debit card with a refund amount of XXXX they said they done that on the XXXX of this month however I woke up this morning and now Amsher collections just hit my credit again for XXXX this is rediculous I litteratly just paid almost XXXX worth of debt off my credit and they are acting as if I have not paid them an I have receipts an proof an emails from both charter an Amsher somthing needs to be done please