davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

1. In XX/XX/XXXX, I had a balance of {$140.00} on my XXXX XXXX Store credit card. However, I did not receive this billing statement because I went home to the XXXX in XX/XX/XXXX. I instructed my niece to pay the balance but she was not able to do so because when she called XXXX XXXX, she did not get the balance to be paid due to their claim of confidentiality. 
2. When I returned in XX/XX/XXXX, my balance had ballooned to {$330.00} due to late payment charges and interests. I complained to XXXX XXXX XXXXat it was too much because it was not my fault that the balance was not paid. 
I was told to pay only {$230.00} and that should settle the matter. 
3. I received another billing statement for the balance of {$100.00} which was the balance of {$330.00} minus the {$230.00} that I paid. I did not pay it because of the former agreement that {$230.00} settled the matter. 
4. The amount of {$100.00} has ballooned again to {$290.00} by XX/XX/XXXX. 
and the account has been referred to collection agencies which has affected my credit history and I can not obtain any other credit card due to this matter. 
5. I sent the complaint regarding this matter to XXXX XXXX CEO, XXXX XXXX who referred the matter to XXXX XXXX of XXXX XXXX Executive Office in XXXX, Arizona who rejected my payment of {$230.00}, insisting on collecting payment for late payment fees and interest. XXXX 's tel. number : XXXX XXXX, Extension XXXX 6. I believe it is harassment and inequitable in continuing to charge late payment fees and interest on late payment fees and interest when the original amount of the credit card charge of {$140.00} which was already paid for by my {$230.00} payment. 
7. I am XXXX-year old widow with only a Social Security monthly income of {$790.00}. I am not in a financial position to pay this additional unjust charges/
Consumer complaint received 2018-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo, mortgage manipulation of my FHA loan. 

I have made as many as 15 estimated phone calls to Wells Fargo to have the Mortgage Insurance removed from my loan after I paid the amount down to achieve the required LTV ratio. They keep telling me on the phone that they will do this and it hasn't happened. 

The extra money that I have paid them is repeatedly put into an " Un-applied Funds Category ''. 

My payment should be for a lesser amount and no Mortgage Insurance included in it. They take my calls but keep misleading me as a customer. 

The event should be that I have a new mortgage payment that is at 78 % of the original loan for the 3.875 % interest rate. Further that there is no longer mortgage insurance in the payment. 

The bank won't do what is required by law, and manipulates the account to their advantage. All of my additional payments I have sent in the past years continues to go into the Un-Applied Funds category. With this type of process they do not let me pay down my principal and charge me the interest on the loan when they pay themselves. 

Additionally they are not reporting my payment history to the credit bureaus and it is showing no payments.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the fair credit reporting act conversion account # s listed below has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts that violated my rights are : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was solicited multiple times to request a credit line increase. I submitted to credit line increase on XX/XX/2022. I was provided absolutely no disclosures at any time stating a hard inquiry would be initiated for this process. Ive requested multiple credit line increases with other cards with no hard inquiry. It is not a standard practice whatsoever. I absolutely did not agree to let XXXX run a hard inquiry under any circumstances in writing or electronically. This inquiry was done without my express permission. I carry over XXXX in revolving credit with a {$0.00} balance across XXXX cards with XXXX perfect ( XXXX ) XXXX XXXX XXXX credit scores. I would never have agreed to a hard inquiry and I did not do so in this instance. This is a fraudulent inquiry without my express permission. I also put a 1 year fraud alert on all three credit bureaus. No one required verification to allow this inquiry as required.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2018-03-13
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: EQUIFAX, INC. (FL)

Non Account holding Inquiries on my credit report which I did not authorized. I sent a letter to Equifax explaining how I did not authorized the credit inquiries yet they still continue to report them on my credit report. Here 's the inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CT)

Synchrony bank closed my Lowes store card which I financed my fence and countertop with. I have always made payments on time. I had signed up for a card protection program for this Lowes card to protect me in case I lost my job. It charged me {$1.00} per {$100.00} I owed on the card. This was added in monthly minimum payments which had been {$99.00} and with an additional {$160.00} added to the min payment for the card protection. So I canceled the card security and expected to go back to {$99.00} a month min payments but the min payment still included the cost of the card security but I decided it did not make sense to still pay since I canceled it well ahead of time. I paid {$99.00} instead. And I was given a late fee. I got the late fee refunded on the grounds I had cancelled the card insurance. But then I was being told I missed a payment and that this was an attempt to collect a debt. I found out when my card was declined while in line shopping at Lowes. I looked at the card yesterday no problem at all. Then the fact that they are treating me as if I made no payment at all and As if I had been passed due for 3 months. The due date was no more than two weeks ago and I paid {$99.00}. I was never late nor had I ever missed a payment. Synchrony bank has reduced the limit on 3 of my other cards and now they have closed my Lowes cards. I was never late or missed a payment other than this one although I think its against my rights not to lower the minimum payment after I canceled the card protection. I feel they are targeting myself and other people in lower middle class as financial profiling. They do not want normal people like myself owning their cards. They unfairly did not correctly reduce the minimum payment which after canceling the card security program should have been done. This is a clear violation of my rights under the fair credit act. They did not reduce the minimum payment and then when I paid what I felt was due they said that I completely missed a payment and then they closed my card, thus impacting my credit score negatively! I know they are also targeting me because my wife is well past due on many of her cards. This is also incredibly discriminatory and I will filing a class action law suit for the numerous violations they have made on my rights as a consumer!
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  account # s listed below has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts that violated my rights are : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-05-03
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 (FL)

We applied for home loan on hard run credit report lander found and send us copy of report sawing capitol one bank card total 3 under my and my wife name. We never ever had this card or related account with capital one in entire life time. 
We called capitol one and they verified on phone we dont have card with them and they can not do anything with it. 
They said call credit beuro they can remove it. 
Please help us our loan is standing for this reason
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MA)

I applied to consolidate my loans and enroll in the XXXX repayment plan back in early XXXX as a XXXX XXXX. Then I began to receive multiple notices from Aidvantage to upload proof of payment documents, which I tried to submit both on their website and Studentaid.gov. When I tried to upload the document on XXXX I could not find an upload portal. I then went to amend my application on XXXX and it created a completely new application as a Change Plan Request. I followed up on my XXXX XXXX in late XXXX with a representative from Aidvantage and was told nothing else was needed from me, it just XXXX take up to XXXX business days to process it. Earlier today ( XXXX business day ) after I received a payment reminder from Aidvantage for a payment due XX/XX/XXXX, I called them to follow up on my XXXX application status. I was then told that because the second application was incorrect because it was change plan instead of new applicant they could not process it and that I would have to reapply. This has taken up the last 4 months of my life since I have been left in the dark regarding my future student loan payment amount, and I believe Aidvantage had no intention of notifying me that my application could not be processed once the second one was created. I am now stuck waiting again for my third application to be processed for XXXX knows how long while interest continues to accrue on my loans and I am left in purgatory for a decision. This is beyond incompetence, it is criminal.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TN)

I would like to start and say I'm XXXX XXXX XXXX  XXXX XXXX. I have served my country honorably.I was getting information from a Navy Federal call center representative for paying off an auto loan. She was belittling me and being very narcissistic. I asked her to transfer me to a manager because I didn't like her attitude and she said she was disconnecting the call I had a few choice words but she had already disconnected the call before she heard them. The next day I called and got a manager on the phone and was belittled again and asked to speak to a manager over her the call was once again disconnected. Navy Federal has declined my online and branch privileges. I live in an area where Im Not able to make deposits from my account. I feel this is very unjust and unfair. I was not the one who started being rude. I clearly asked for management 2 times and was denied.
Consumer complaint received 2019-08-24
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. (TN)

On XX/XX/2019 my credit report is showing that I am 150 and 120 's days late in the most recent 12 months. The problem occurred when I fell behind on my truck note because of some financial difficulties and the truck was repossessed. The finance company XXXX XXXX ( XXXX  ),  added repo fees and late payments to my account totalling {$3000.00}. I talked to ( XXXX ) and I paid the repo fees ( {$1200.00} ) and was able to set up payment arrangements and I got the truck back. XXXX did not explain that the late payments and fees would become part of my present payment and not be placed on the end of the account. Now XXXX is requiring the {$3000.00} to be paid first and until it is paid my account will remain 150 to 120 days late and reports this the credit bureau. I have has been making the agreed payments on time each month but it is still showing late because of the {$3000.00} balance. My credit report is being ruined because of this. I spoke to XXXX to see if something could be worked out concerning this to help me improve my credit and XXXX refused to help with anything. According to the payment arrangments set if I continue to pay {$550.00} a month, only {$75.00} is going towards the {$3000.00}. This means that it will take nearly two years for this balance to be removed and by then 120, 150 days will increase to where my credit is ruined.
Consumer complaint received 2018-07-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Cash Security, Inc. (OK)

On XX/XX/2018 I refinance a personal loan with cash security in XXXX Oklahoma on XX/XX/XXXX I dropped off the check before opening for my payment. A 10-day grace period is given by the company before a late fee is charged and this is the first time in the 10 loans I've had with them that I have been close to being late. On Wednesday I noticed that the check hadn't cleared my bank and contacted my bank and they let me know that the funds had been taken out on Tuesday for another bill and that that check was going to be returned so I had my father go in and make the payment that Wednesday the company got the check returned Thursday XX/XX/XXXX and the system gave me both a late fee and a returned check fee I asked the lady if there was anything I could do to get the late fee removed since I had never had one and had been a good customer for several years .she said there wasn't anything they could do. I made my principal payment of XXXX on time in XX/XX/XXXX plus another {$3.00} towards the late fee I asked the lady if I could carry it over until the next month and that I would take care of the rest of the late fee then and she assured me that that would be fine a week later I got a call from the lady at cash security asking when I'd be able to take care of the rest of the {$40.00} that is due and I told her that I planned on taking care of it when I made my payment in XX/XX/XXXX she said okay but yet then again a few days later I got another call from the lady at cash security just to let me know that the {$40.00} had went up to {$60.00} I asked her what happened and she didn't know so we had to get ahold of the Regional manager that explain to me that their system didn't put my payment towards the principal. It had first taken care of the late fees so I got another late fee because of the principle that was left die. No one told me that's how their system worked. It isnt stated in the contract and no one informed me that I would receive another late fee on my late fee. I got a hold of the regional manager again and try to get the mailing address for the main office that I told was in XXXX XXXX but they never would return my calls. I have been a very good customer for them for a long time now and it bothers me to think that they're doing this to other people. they had several opportunities to inform me that I would receive a late fee and that my principal wasn't taken care of when I made my principal payment. In my opinion this practice of theirs is extremely unethical. On top of the confusion and the Shady practices I've been receiving letters saying they don't know why I'm behind and text messages from this company although I've asked them not to text me and had set up a payment for XX/XX/XXXX already
Consumer complaint received 2018-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (NC)

N.A.R., Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : This letter is in response to your recent claim regarding and account in which you claim I owe {$500.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

SallieMae student loan $ XXXX, paid monthly payment terms ahead of schedule ; but their disbursements to the school were late and the school kept informing us that payment wasn't received- then when we called Sallie Mae we continued to get the run around. In XX/XX/2018 called Sallie Mae to see what the issue was and the customer service rep named XXXX just kept putting me on hold for several minutes supposedly while she looked up the account but each time she would come back on the line to stall and say that she was looking something up.
Consumer complaint received 2018-07-29
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. (MD)

Despite several attempts to have old information removed from my credit report, Experian refuses to conduct an investigation. They have written me explaining that they refuse to conduct a re-investigation of this account.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (MI)

I am informing you of collector harassment with One main financial XXXX XXXX XXXX XXXX mi XXXX I canceled ( XXXX ) single payment on XX/XX/2024 in the amount of XXXX on a loan ( this option is available in my loan agreement ) XXXX XX/XX/XXXX, I have been called 3 to 4 times a day, plus 1 to 2 text messages every few days, Monday thru friday, morning, XXXX, and night ( calls are prior to XXXX ) every single weekday, and still to this day. I missed a payment due to my mother 's heath declining, but have resumed regular payments again with the company one main financial on XX/XX/2024 for the full payment amounts of XXXX, but the calls are still everyday morning, XXXX, and night 3 times a day every weekday, and even on a saturday. Regarding the missed payment in XXXX. They have a " cancel payment " option on their payment agreement with myself, but nothing that says if you miss/cancel a payment we will non stop hound you for your miss payment. I have contacted my phone provided to obtain the call records from the phone number that one main financial in XXXX mi calls from as well as the text messages for proof of collection harassment. I have attached the calls that I have logged on my phone.