davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

This is the 4th or 5th complaint I've been required to file around the PSLF program. The most current issue is that despite having received a document directly from FedLoan in XXXX with verification that all 120 qualifying payments had been made for the PSLF program and having qualifying employment, my PSLF approval continues to be delayed for no clear reason. My most recent attempt at getting approval began XX/XX/XXXX when I applied then received a message from XXXX on XX/XX/XXXX stating they didn't like my electronic signature so that same day I provided them with a new signature on the PSLF application. I received a message two weeks later XX/XX/XXXX from FedLoan again stating that they've received my PSLF application. Months passed and I heard nothing so I contacted FedLoan customer service on XX/XX/XXXX and inquired on the status of my PSLF application and expressed confusion over why it was taking so long to process when I had completed my 120 qualifying payments back in XX/XX/XXXX and FedLoan had already provided me with documentation of this. The FedLoan customer service staff told me that my PSLF application ''had been approved just that day and the letter was so hot off the press she couldn't even access it to read it ''. She stated that it was ''mailed out that day ''. I confirmed several times with her that it had been approved and she stated that the only reason '' FedLoan was unable to make the loan balance zero right now was that they needed Department of Education Approval first. '' Although this was a strange explanation and a literal ''check is in the mail '' response, I had no choice but to accept what information was provided. It's now been 10 days and I've received nothing, either electronic or paper on the status of my PSLF application. I should've been done with all of this in XX/XX/XXXX but here we are in XX/XX/XXXX still having everything drug out with zero explanation for why FedLoan continues to delay my PSLF.
Consumer complaint received 2020-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may concern, This is regarding two current mortgages that I have with Bank of America. I have made several payments that have not been applied to my account. I have attempted since XX/XX/XXXX to get all payments that I have made be applied to my mortgage to no avail. I have been on hold in excess of 3 hours and then disconnected. I have all documentation showing payments that have been made. If someone could contact me I would greatly appreciate it. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (PA)

I need you to do a full investigation into Equifax and their method of sending out results. Today is XX/XX/XXXX and I received a response today regarding my dispute. I have two issues with this, they were supposed to get back to me by the XXXX of XXXX. They did not, I received this letter in the mail today. The issue with that is they backdated it to XX/XX/XXXX not the actual date which I received it. I need you to see when they actually mailed this letter out because I received it today and not before the XXXX of XXXX which is a violation of 30 days or more or me receiving a response. That violates the fair credit reporting act and I need you to look fully into when they sent the letter out because I received it today and not on the XXXX of XX/XX/XXXX. That is misleading information, which makes it hard for me to overturn the disputes that I am disputing. I am looking for you to hold them accountable. There is a huge difference between the date Equifax posted on this paper and the date I received it in the mail. When I disputed my information and reported it to you for violation of 30 days or more, I provided via US mail receipt the actual date they received it, they should have to do the same. I would like them to be held accountable to the same standard and show you guys the exact date which I received it. I did not receive it on XX/XX/XXXX, I received it on XX/XX/XXXX which is way more time than 30 days. I would like you to have Equifax to delete all the information off of my report that I am disputing because Equifax is not being truthful in their response time. I am looking for mailing receipts from equifax on their end to show the day that I was receive this letter via mail. If it is any day after XX/XX/XXXX they took to long and this information that I disputed needs to be deleted. Also I am questioning the name they sent this letter to. On my credit report reads XXXX XXXX XXXX, Not XXXX XXXX which they clearly sent this letter to violation number two. I want all the information that I am dispute to be delete it off of my credit report ASAP. Equifax clearly did not have the right name on the letter and did not send within 30 days. I am asking for a copy of their certified mailing letter on the day that I shouldve received this letter if it is past the XXXX of XX/XX/XXXX it needs to be deleted from my credit report ASAP.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-14
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. (NV)

XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXXXXXX XXXX Not my account, no response from the bank. 

XX/XX/2022 - XXXX XXXX XXXX0} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - XXXX XXXX XXXX XXXX XXXX  Remove, this isn't accurate. I never filed bankruptcy
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IL)

I have been on the phone for over 90 on XX/XX/2020. I have been transferred 6 times and no one can explain to me why my UBANK ATM card will not work at a US BANK ATM to allow me to make deposits.I have 3 separate accounts and none of the atm cards are allowing me to make deposits. I spoke to a manager and he was totally useless. I went to 3 branches and can't get in to get anyone to help me. The location in XXXX, Illinois is always closed or the system is down. I want someone to explain this issue to me. This is ridiculous.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since the last few months I 've been unable to resolve with BOA regarding late payments on my credit report. They have been unwilling to resolve this issue in spite of this issue occurring due to BOA fault, for which I have provided them all the documentation they requested to ensure its removal. 

I obtained a secured card with BOA in XX/XX/XXXX with an {$800.00} deposit to build my credit. By XX/XX/XXXX, I had established good enough credit to secure auto vehicles and a XXXX mortgage. Hence at the time I decided to close this secured card, as I no longer needed it to build my credit. 
On XX/XX/XXXX, I sent an employee with my BOA card to XXXX XXXX to make a small purchase for me. the next day I spoke to a rep at Bank of America to get the payoff, so that I could payoff and close the account. I was told that I owed {$25.00}. Hence, I rendered a payment for {$25.00} to BOA and thought the account to be closed and inactive. 

However XX/XX/XXXX, when I walked into my Bank of America branch to speak with my personal banker, I was told that the credit card account was still open and delinquent and had also incurred an annual fee for XX/XX/XXXX I would find that the last charge made on XX/XX/XXXX did not post to the account until XX/XX/XXXX hence I was given an incorrect payoff from bank of America on XX/XX/XXXX, that did not include the transaction from XXXX XXXX. The account was then closed and I recall being issued a refund for the secured card deposits. 

Between XX/XX/XXXX and XX/XX/XXXX, I did n't get any calls from BOA alerting me of the late payments either, and even while I continued to visit my local branch for other BOA account services I was not told about this. Additionally, I was saving all mail correspondence from BOA without opening them thinking they were my bank statements. I noticed there was one small payment of {$15.00} made XX/XX/XXXX, I suspect my dad made this payment after receiving a notice in the mail, I had entrusted him with paying my bills while I was away in XXXX at the time.
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (GA)

I am a victim of identity theft. Please delete or remove this items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am a co-buyer for an account with XXXX XXXX ... XXXX continuously reports to the credit bureaus late pays that are incorrect ... I have had this problem for a year and a half and after several disputes that had them remove these improper reportings Im still fighting this..this seems to be an intentional issue and they seem to re-report the bad info a month or two later after they have been made to correct it ... I would like for them to no longer report to the credit bureaus based on the fact that I feel that Im being purposely targeted and harassed ...
Consumer complaint received 2015-04-03
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Auto used different debt collector to attempt to force Consumer to pay a debt that was already paid. Consumer had attorney with regard to subject debt. Cap One was notified that Consumer 1 ) paid debt and 2 ) had attorney. Cap One ignored those facts and sought collection any way. 
Consumer : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. See attached documents.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MO)

On XX/XX/XXXX I received a letter in the mail from my prepaid card, Netspend stating that I had been overcharged monthly fees and as a result they had refunded the difference of the overcharges on XX/XX/XXXX to my card account. I checked my card account, that had been inactive since XXXX and found no refund had been issued. I was in fact charged {$9.00} a month, even though their policy states the monthly fee is reduced to {$5.00} when you have at least $ XXXXmonth in direct deposits, which I did as my payroll was direct deposit to this card account. 
I have made at least five calls to Netspend in an attempt to find out where they issued the refund. The company has told me multiple times they have " escalated '' my issue and I would receive a call back within 24-48 hours. I have never received a call back from anyone. When I call to follow up, I am clearly being given the run around. I have been put on hold for 90 minutes. I have been told the letter is an email scam, however I received the letter via USPS, not email. I have been told their Global Support team reviewed it and came to the conclusion I was not due a refund, despite receiving a letter stating the opposite from their corporate office. Today was my final attempt to try to resolve it with the company directly. 
I did not initiate this refund issue, Netspend issued by XXXX alerted me to the error and are claiming they sent me a refund. I stopped using this card because this company 's customer service and policies caused me so much frustration. I also know the FTC had to get involved with other issues involving Netspend in which they helped consumers receive refunds. I'm unsure if my issue was part of that arbitration.
Consumer complaint received 2019-06-26
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. (CA)

Information on my Experian credit report is not true or correct. Things need to be removed that are past seven and 10 years long. I dont understand why theyre not removed. Thank you for your help XXXX bless you
Consumer complaint received 2017-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have a bankruptcy on my credit file. I wro te the BK c ourt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,  XXXX , Equifa x &   XXXX  they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed  3rd party, co uld easily be considered false information on my credit report.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I received several emails from Bank of America about being approved for a checking account. When trying to call immediately no one at BOA would talk to me and said they would email paperwork to fill out to prove I am me. I went into a branch for assistance since they would not talk to me. She faxed over the info BOA emailed me with my IDS for verification and they said as of XX/XX/01 the account was frozen. I have since tried to make contact with reps at BOA who have no idea about the timeframe to review or could give any info. I requested no funds be allowed and the account to be closed however people continue to XXXX  money into this account. I now truly believe BOA is engaging in anti-money laundering and perhaps are the ones who opened a fraudulent account in my name. To date I have not received any letters from them regarding their investigation and have received terrible service and information when trying to call. I tried to go into the branch for help again and the branch does not know the process either and could not understand why they would allow funds to be deposited when I said this was fraud. My identity is important to me but clearly not to BOA as they allow illegal funds to be deposited in an account in my name that I never opened. This needs to stop and this account should be closed not frozen, or BOA should be investigated for not having a fraud process in place and allowing such a big bank to engage in fraud and not do anything about it.
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

I moved out of XXXX Apartments on XX/XX/XXXX. 

I lived there for a year prior to XX/XX/XXXX. I was living with girlfriend, my brother and his girlfriend. My girlfriend and I moved out and I was signed off the lease, I was given a form from the then staff at the apartment complex. The form I was given did not have the staff signature ; they signed the original and kept it. 

A new lease was started on XX/XX/XXXX, after I moved that was only signed by my brother XXXX and his girlfriend XXXX. I NEVER signed a new lease. It was after their new lease that started on XX/XX/XXXX that they got evicted in XXXX. Now they are stating I owe them. I do not, I wasn't living there after XX/XX/XXXX. 

I have gone to the apartment recently to get a copy of the lease and they themselves cant produce the lease. I spoke with the assistant manager XXXX XXXX I believe. I was told by her to ask for from the debt collector and they cant provide it either. 

I contacted the debt collector and have asked several times for a copy of the lease. They stated I signed and were able to see the lease but I know for 100 % fact I did not. I have been trying to get a copy of this said lease for over 5 months with no avail. They stated they mailed validation out but it was sent to the apartment complex not me. The only " validation '' I got was a itemized bill of the charged owed on XX/XX/XXXX. I received an email from XXXX XXXX and have since then emailed several times for the lease with no response. My last email request was XX/XX/XXXX and still with no response.
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX, a salesman along with the finance XXXX XXXX XXXX from XXXX XXXX Dealer ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) scammed us with many wrong information. 

1 ) XXXX asked us to come to the dealer and finished the buy out my leased vehicle and that was a must. It's wrong since we can handle it via customer service instead of going to them. They failed to mention they charge extra fees for processing the docs. They didn't even disclose it on the docs. 

2 ) XXXX told us he needed our SSN even though we already had an approval loan from my credit union. He also said he won't initiate a hard inquiry on our credit reports. He lied and scammed me. 

3 ) XXXX told us the buyout amount on Kia finance website quoted us did not include the sales tax. It's a lie because it included the sale tax. ( almost plus 10 % more on top of the final buyout we suppose to pay ) KIA Finance customer service confirmed it. The difference was about {$2000.00} which is not small. 

4 ) XXXX, charged us {$300.00} fee and {$450.00} final check fee. Per the lease contract, if we buy out the lease at the originating dealer the dealer fee would be waived. XXXX denied such agreement even though it's in our contract. We brought our car in for the periodic inspection and oil change. However they still wanted to charge {$450.00} for " making sure it's safe to release ''. We said there was no need for checking since it's already been checked at the oil change. On a side note, another nearby dealer would only charge {$250.00} and they were willing to waive it since we just got our car checked. 

They scammed us many above issues and damage my credit report with unnecessary hard inquiry. We cancelled the deal after finding out about their lies. We asked them unground my car so we can finish the buyout process with Kia Finance Customer Service but they sill haven't done it an entire week later.
Consumer complaint received 2020-11-09
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. (MI)

XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Took out a bank loan to pay off balance of MBNA card. Called MBNA representative on XX/XX/XXXX and spoke in detail that I wanted to pay off everything to have a {$0.00} balance, with nothing due beyond the payment to pay off. We discussed that the due date for payment was XX/XX/XXXX so all interests and fees would be accounted for in the amount to be paid. 

The amount I was told was due was {$10000.00}, and I was specifically told that nothing else would be due beyond this amount. 

The next month I received a bill for interest and fees. I contacted MBNA and was told that credits were being provided on my account. I specifically asked would this mean the card was paid off and nothing else was due. The woman did not state explicitly but implied that everything was being cleared up. 

I received a new bill that indicates interests charges in XXXX have been $ XXXXand fees are {$180.00}. I called MBNA again today to get information. I know there has been a charge or two for small items and I would like to make payment. However, I have not received a bill statement in the mail to show how much was charges, the amount, transaction, or date. 

I held on the line for MBNA for over 15 minutes. At 11 minutes it sounded as if someone answered the line but said nothing. For over 4 minutes of the call from 11 to over 15 minutes I held on and finally hung up. 

If there is interest and fees tied to the account pay off, these need to be removed as promised. If there are charges, I need information as to the charge so I can make payment.