davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

My name is XXXX XXXX Im a XXXX year old, XXXX  female. Im a XXXX XXXX and a XXXX XXXX XXXX. I have been XXXX XXXX as the XXXX XXXX for total of 8 years. For the majority of my career I worked as an XXXX XXXX XXXX and I recently transitioned to XXXX. Im a single mother insult provider of a XXXX-year-old, working full time. In order to become a XXXX XXXX I had to quit my full time job and sign a contract, prior to matriculating at XXXX XXXX University, stating I would not work in order to devote all of my time and energy a 28 month XXXX XXXX XXXX. 
Eight years later, I am now over XXXX dollars in debt while starting around XXXX. I have a credit score of XXXX and was manipulated into re-financing my student loans with MyFedLoan at an interest rate of 7.125 % under the guise that I would be enrolled in the The Public Service Loan Forgiveness ( PSLF ). I was informed one year later that I was NOT enrolled in the program and the hospital I was working for was bought out and no longer considered underserved. I attempted to call the contact whom assisted me in re-financing my loans and guaranteed my acceptance into the public service loan forgiveness program and unable to reach that individual. I called to obtain the recorded conversation from XX/XX/2019 and was told that they no longer keep those records. 
I rent a modest apartment for myself and my son. I receive no assistance from my son 's father, as we are unsure of his location. I drive a modest vehicle ( XXXX ) and we live pay check to pay check. I regret my career choice. I am unable to achieve normal life milestones such as buying home due to my overwhelming and steadily accruing debt. I currently have a loan payment of {$750.00} every month and feel helpless. I NEVER would have consolidated by loans with this company had I not been grossly misled.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (CA)

A payday loan was given to a ex-contractor based on a voided check the contractor provided to the pay day lender, XXXX XXXX XXXX. When they discovered the loan was given on a voided check they sent a collections letter to us. We immediately sent a dispute letter via certified mail and was received by them. However they continue to attempt to collect the debt via phone calls and letters. They have verified the receipt of the dispute letter ( XXXX XXXX verified this on XX/XX/2020 at XXXX XXXX P.S.T. ) but have not responded to it and continue to illegally continue collections efforts.
Consumer complaint received 2020-02-19
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: EQUIFAX, INC. (FL)

i am trying to shop for a house and in my credit report pops up a voluntary repossession of a car with the same company i bought a car someone had use my previous identification to make that loan so i am trying to remove it from Equifax which is the one that is giving a hard time and obviously sent it directly to the company which is stating that i have the loan on my car
Consumer complaint received 2015-11-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX purchased my debt from Capital One in the amount of {$300.00}. The amount that XXXX XXXX XXXX is charging me is {$450.00}. XXXX and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with XXXX they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Simply can not find anyone in this company who can provide any level of customer service. Sadly, multiple decades of great service with the company that serviced my mortgage - but New Rez took over my mortgage and since then zero meaningful assistance. The worst mortgage company I have ever dealt with and they just appear to make things up as they go. Every time you call it's a different story. They should change their name to XXXX XXXX XXXX.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (NY)

There have been multiple dates that i can not remember but the last one was on XX/XX/2020. A company named Dynamic Recovery Solutions with the phone number XXXX has contacted me several times asking to verify my personal information regarding personal business related questions but refuses to discuss what the matter is about. They did not even say are attempting to collect a debt or what company they represent. I called the number back to find out what the company name is. With all the phone scamming and spamming out there i refuse to give any personal information out. Also, i checked my credit report and i do not have a Dynamic recovery solutions on the report so i have no idea who this company is and if they actually have any right to contact me about a debt or any other reasons.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NV)

My credit cards were wrongfully terminated around XX/XX/11 without any prior notice of improper behavior. All 7 cards were closed, even though some weren't even being used. All rewards were not paid out, and no information regarding the reason was given. Instead, I was told to write a letter to a XXXX XXXX in the middle of nowhere, to which they would respond with a form letter in a month. All reps refused to help, reading a standard text of platitudes. Letters that were vaguely worded arrived a week or so later saying that accounts were closed.
Consumer complaint received 2020-02-19
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: Bridgecrest Acceptance Corporation (FL)

i am trying to shop for a house and in my credit report pops up a voluntary repossession of a car with the same company i bought a car someone had use my previous identification to make that loan so i am trying to remove it from XXXX  which is the one that is giving a hard time and obviously sent it directly to the company which is stating that i have the loan on my car
Consumer complaint received 2020-02-19
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. (MA)

I just received the attached credit report today and both the XXXX XXXX XXXX " accounts '' should have been closed. The foreclosure sale was ILLEGAL based on falsified/forged documents as far back as XXXX. Neither of these accounts technically exist and this " XXXX '' ( XXXX XXXX XXXX ) alias company, is trying to wear me down to admit that they do exist when there is NO Mortgage and NO promissory Note that is original. It was proven on XX/XX/XXXX when my document expert evaluated the FAKE documents. There should be NO derogatory accounts listed on Any of my credit reports. The attached Experian credit report shows this wrongfully reported. I will attach the document experts affidavit showing that the Mortgage And Promissory Note being used to ILLEGALLY foreclose on my home are false/forged do not exist and the foreclosure is ILLEGAL. This bank can not legally foreclose NOR collect with false/forged documents!!
Consumer complaint received 2020-02-19
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: Experian Information Solutions Inc. (AL)

Experian. Is reporting a bankruptcy on my credit report, i XXXX XXXX XXXX HAVE NEVER FILED BANKRUPTCY IN THE STATE OF ALABAME NOR ANY OTHER STATE, I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, THE OTHER TWO CREDIT BUREAUS, XXXX XXXX OR XXXX  HAS REMOVED THE BANKRUPTCY FROM MY CREDIT REPORT. I HAVE SENT THEM DOCUMENTS FROM THE COURTS STATING THAT THEY DO NOT REPORT TO THE CREDIT BUREAUS. I HAVE CONTACTED XXXX XXXX AND XXXX I HAVE NEVER HAD ACCOUNTS WOTH THOSE COMPANIES THEY HAVE NO VERIFICATION OF WHERE I HAD A BANKRUPTCY ON MY CREDIT REPORT. PLEASE REMOVER THE BANKRUPTCY IMMEDIATELY.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is not a duplicate. i needed to add additional information File # XXXX Company : XXXX XXXX XXXX XXXX CA XXXX Balance {$19000.00} type : unsecured loan Credit Company : TransUnion XXXX has been continuously reporting incorrect data to my credit breu. 
the credit bureau has been telling me they can see it but was not able to do anything about it. 

They tell me that XXXX has reopened my account that was closed and charged off in 2017 they changed my open dates. and they have reopened my account and has been charging it off every month. she says it has been affecting my credit but she was not able to do anything an directed me to you. i spent 2 years getting my credit back right and in XXXX they have been sending in accurate information stopping me from achieving credit repairs..
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America recklessly disregards its own rules, regulations, and policies with regard to the over-draft protection I have with this dishonorable bank! 

One of my checks was dishonored and the merchant charged me {$35.00} but the Bank of America adamantly refuses to reimburse me for this {$35.00}. This even though the Bank of American gave me over-draft protection and readily admits that I have over-draft protection. 

My repeated complaints about this have gone nowhere with the Bank of America which with its tens of thousands of employees has no idea what to do that is, reimburse me the {$35.00} that the merchant refuses to cancel! 

The Bank of America by its actions has ruined my excellent credit standing with the merchant who now refuses to accept any of my checks. 

The Bank of America shows no remorse and assumes no accountability. The Bank of America in this matter is must about as trustworthy as a three dollar bill! 

Truly scandalous!
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: RENASANT CORPORATION (MS)

Renasant bank has charged me {$250.00} in over draft fees in less than 30 days. They are reordering my transactions, paying transactions while charging me a {$36.00} fee then returning the transaction and charging me a return fee. This has happened with one transaction twice.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I was advised for the first time ever I owe over {$700.00} in interest that I was wrongfully charged. I was brushed off & treated condescendingly/unfairly/discriminated against. I have always paid my bills on time & have never paid interest. I was lied to on numerous occasions regarding this interest. I want it removed off of my account.
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (IL)

This is a continuation of CFPB Complaint XXXX As of today, XX/XX/XXXX Bridgecrest HAS NOT provide the Title for my vehicle to XXXX XXXX XXXX XXXX. XXXX XXXX is still waiting for the Title from Bridgecrest. XXXX XXXX XXXX XXXX did confirm on XX/XX/XXXX that they received the Lien Release on XX/XX/XXXX but have not received the Title as I requested in XX/XX/XXXX when I sent the payoff check USPS Certified Return Receipt. Bridgecrest HAS NOT RESOLVED THIS ISSUE. They need to send the Title to XXXX XXXX XXXX which is NORMAL and CUSTOMARY when a loan is refinanced with another institution. 

As Bridgecrest was the original lender when I purchased this vehicle, and are the only party that ever had a copy of the Title in my name, they need to provide the title to XXXX XXXX XXXX XXXX as I requested in my USPS Certified Letter mailed XX/XX/XXXX. Copy Attached.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

On XXXX I requested a full refund of {$440.00} from Best Buy for a two year renewal protection plan I purchased on XXXX that was unilaterally cancelled by Best Buy on XXXX ( four days before it was to begin ). Best Buy said Id be emailed an answer to my request in five to seven business days ( Reference XXXX ). Today is the XXXX business day and I did not get the answer I was promised, which is not surprising when you consider the following : *I purchased a laptop two year protection plan ( maintenance, accidental damage and XXXX Tech Support with XXXX ) on XXXX for {$300.00}. 
*I renewed the two year protection plan on XXXX for {$440.00} ( XXXX to XXXX ).
Consumer complaint received 2020-02-19
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: EQUIFAX, INC. (FL)

My information has been compromised and used without my knowledge. It is the direct result of the numerous Equifax breaches and them leaking information to sell identity theft products. As a result of Equifax willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.
Consumer complaint received 2020-02-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (FL)

After speaking to Finance of America Mortgage LLC about refinancing my current mortgage that I have with XXXX XXXX I was asked what I thought my home was worth. I told XXXX XXXX that my new insurance just insured me for XXXX as my value and then he asked me what I owed ( XXXX ) and he said those numbers were enough to refinance form an FHA to a Conventional loan to remove the PMI and lower our monthly payment going forward. He never told me that the apprasial could come in much lower and to be prepared for different numbers if it did. 

He advised that he would run the numbers and gave us 3 options, all where would get around 7 to 10 thousand dollars back at closing. He advised that I needed to sigh a rate lock form and give him a CC for an appraisal that would cost {$470.00}. 

I said I would not do that without seeing final numbers and he said not to worry about any of that the {$470.00} would be reimbursed at the closing cost and I would not have to pay that out of pocket. it would only be held on my card until closing. 

The appraisal came back at XXXX and they told me that I would now have to pay at closing and I was losing my {$470.00} as well. I said I was never explained that and I wanted my {$470.00} back as promised and I was not going to pay them anything. 

They told me how to cancel or how to get into a different loan that were not the numbers that we discussed and have now stopped communication with me. 

I want my money back and I want to file a complaint against them. 

XXXX XXXX - Director of Sales NMLS-XXXX XXXX XXXX - Sr. Mortgage Advisor NMLS-XXXX
Consumer complaint received 2020-02-19
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: EQUIFAX, INC. (LA)

My information has been compromised and used without my knowledge. It is the direct result of the numerous Equifax breaches and them leaking information to sell identity theft products. As a result of Equifax willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DC)

I received an automated all from XXXX stating my credit card was billed for Paypal {$290.00}. + and if I didn't agreed to call another 800 so fast I couldn't even hear. 

I called the XXXX-number back and a foreign man answered. I asked what is this he said your Paypal is billing your credit card $ XXXX.+ and I said no the XXXX your not. This if Fraud I didn't authorize that! Where are you calling from? He then hung up. I don't even have an active Paypal account but have several credit cards so I don't know which one they were evening talking about and haven't used Paypal in a long time.
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

After starting a new job in the beginning of XX/XX/XXXX, I changed my bank account with Honda Financial Services. Unfortunately, they still charged my old account which did not have the funds, which led to a reversal of funds and a requirement to pay my lease through the mail. I mailed a payment and on XX/XX/XXXX I spoke to a representative from Honda Financial Services who said my payment was missing. I said " I mailed a payment '' and he said " yes, we have that. '' I said " is that all? I'm busy at work. '' he said " yes. '' and we hung up the phone. 

Assuming the payment was received and cleared, I received a phone call on XX/XX/XXXX stating my account was past due. On that phone call, they said they did not receive my XX/XX/XXXX Payment. I told the representative that I spoke to someone not two weeks before that said my payment was received. He said " it wasn't. '' On that phone call, I paid both months and scheduled my next payment. In four years, I never missed a payment and it's clear that this was a miscommunication. 

I called Honda Financial Services and they would not adjust the payment dates. Again, I have never missed a payment on any of my credit cards or loans. Had I known on XX/XX/XXXX that my payment was not received, I would have paid it right then just like I did on XX/XX/XXXX. This was not a matter of not having the funds, or, being a negligent customer ; this is a matter of miscommunication and I would appreciate if this payment was recorded correctly.
Consumer complaint received 2020-02-19
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: EQUIFAX, INC. (NC)

I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.
Consumer complaint received 2020-02-19
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. (NY)

I have resubmitted the recertification application for my Income based student loan to NAVIENT in XX/XX/XXXX along with a copy of my paystub that show a 2 week pay period. 
In XXXX, I received emails that my student loan monthly fee was increasing to {$740.00} from my original payment of {$220.00} This monthly payment is automatically deducted from my checking account as my payments are submitted from an auto pay checking account. 

I have tried numerous times to reach out to Navient by phone only to get the call dropped or put on hold for an extended period. I even resubmitted all off the required documents AGAIN only to be told they are collecting {$740.00} from my auto pay checking on XX/XX/XXXX. 
I explained that I had submitted the documents in XXXX and asked if the auto pay date can be extended until the end of the month to ensure the correct amount of {$220.00} could be withdrawn. I was told there was nothing that they could do and that I will be required to pay XXXX regardless of my income based payment plan of XXXX. I explained that I do not have the extra XXXX to pay this amount based on my income as a single adult grandmother with XXXX grandchildren. This creates an extreme hardship on my family as the only money allotted that is left in my account is the rent. I have made an effort for the past year and a half to make on time payments despite the hardship. At this point i will have no choice but to block this payment with my bank to avoid insufficient funds fees and this payment will be reflected as late on my record. 

Please help me - I have asked for a supervisor via my phone follow up with a customer service rep today but was disconnected I am still trying to reach a supervisor at this time.
Consumer complaint received 2020-02-19
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. (FL)

Several unauthorized inquiries showed on report that was not approved nor authorized by me. Contacted bureaus on. XX/XX/2019 @ XXXX via fax. They have yet to contact me.