davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WI)

On XX/XX/XXXX, we submitted the annual required income verification form, indicating that this was an annual re-certification and we wanted to stay on the same plan we had. We received a notice back saying that they could not pull records from the IRS, so we would need to submit paper copies of prior year tax returns. We mailed in the required forms. 

OnXX/XX/XXXX, we received a bill for the full payment amount ( ~ {$3200.00} ). Apparently in addition to the box indicating we wanted to stay on the same plan, a box was checked on that form saying that we wanted to have the cheapest payment possible. A rude and uninformed customer service representative talked us into changing our plan to pay-as-you-go, instead of the Income Driven Repayment plan we wanted to be on. Our interest then capitalized, adding thousands of dollars to our principal. This rude and uninformed employee told us we could make a {$5.00} minimum payment that would count to move us over to the next repayment plan. 

On XX/XX/XXXX we received a bill for {$5.00} and a letter notifying us of forbearance. This was paid on XX/XX/XXXX 

OnXX/XX/XXXX, we received a bill for the full amount again ( ~ {$3200.00} ). AroundXX/XX/XXXX, a representative from XXXX XXXX advised us to not pay that bill, since it would n't go to collections for 90 days. They estimated that the Processing Department would update and correct everything before that 90 days. 

OnXX/XX/XXXX, we received a bill for ~ {$6400.00} -- the prior amount due plus a new amount. A phone call with employee # XXXX on XX/XX/XXXX revealed that a ) we would not receive credit for payments made on XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX. She also revealed that our new payment would go into effect in XXXX. So had we listened to the previous employee who advised us to " not make that payment, '' we would have surely gone into default had we not made a {$9600.00} payment. She advised us to request an administrative forbearance-we could do this since it was taking so long to process the new payment amount. She also advised requesting an 'override ' so we could make an XXXX payment on the new amount and get credit for it. 

Today, XX/XX/XXXX that request was made and we talked to employee # XXXX. This employee was extraordinarily rude, arrogant, and not helpful. He had no idea what an override was, and refused to explain any aspect of what an administrative appeal was or how it worked. Instead of helping, he insisted on making us feel as though he had no idea what we were doing. 

So we attempted to update income on XXXX XXXX. 5 months later, we still do n't have the correct payment amount, wo n't have the correct bill until XXXX, which is 7 months after the initial request, and now have lost credit for months worth of payments. And there 's still no guarantee we wo n't have to make a {$9600.00} payment to clear this all up and to avoid default.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glasser and Glasser, PLC (NC)

This Bill is over the NC debt collection-statute of limitations for three years and should not even be collected therefore. Glasser and Glasser needs to cease in collection and cancel the summary judgement. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (FL)

I receive a summons from court from XXXX XXXX XXXX XXXX. The company has a very aggressive collection tactics. I do not owe the balance. I did not know of the situation until I was serve a summons. I am asking for this company to stop their collection tactics and their abusive collection practices. This company needs to be placed out of business for their illegal collection practices.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (IA)

This matter started back in XX/XX/XXXX after I received a letter from NCB. See attached. 
NCB letter stating : Dear XXXX XXXX, Your XXXX XXXX XXXX XXXX XXXX accounthas been purchased by our our company, NCB  Management Services , Inc. Now that we own and service your account, you may be eligible for payment options that werent available before XXXX XXXX XXXX XXXX charged off an account. Since XXXX NCB has handled this as a debt collection matter and the account as a charge off. I replied to NCBs letter and requested validation disputing the debt and their failure to notify me writing within 5 days of the initial phone call NCB made in XX/XX/XXXX.I followed up again disputing the debt and the failure to provide written notice within 5 days. 

In XX/XX/XXXX Experian posted a notification, from NCB that the previous balance was reported as a new balance. On XXXX I was notified by XXXX that NCB was reporting my account as 30 days past due to XXXX. 

My complaint consists of multiple parts. 
1 ) NCB exceeded 5 days where a debt collector provides written notification to the debtor. 

2 ) NCB acquired the debt in XXXX from XXXX XXXX XXXX XXXX who charged off and continued to show as charge off through XX/XX/XXXX. Then NCB reported new balance activity and has changed from a charge off to a delinquent account for debt collection. Since NCB acquired as a charge off it is against FDCRA to report the same charge off as a delinquent account. The balance of {$3700.00} remains the same going back to NCBs XXXX letter. 

3 ) A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. Reporting old debts with false updated activity dates, may violate certain sections of the FDCRA. When NCB reported new balance to credit bureaus in XXXX they were knowingly violating FDCRA, by reporting as new balance. 

4 ) By NCB neglected to communicate in writing in XXXX at the same time they reported to credit bureaus. NCB has been reporting charge off to credit bureaus since XX/XX/XXXX. A charge off can not be reported as a new balance and delinquency 2 years later. I have not received any written notification, from NCB about a new balance or new activity. This egregious action by NCB denies me the right to dispute. 

Currently I added a security alert to my XXXX report.
Consumer complaint received 2021-08-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (HI)

On or about XX/XX/XXXX, we obtained a HELOC with GMAC. 
On or about XX/XX/XXXX we called XXXX because GMAC sold to them the XXXX and were told we had no loans outstanding with them XXXX. We requested it in writing and was told Not to worry the loan is written off. and it's not there any more. It was written off. 
Since that time period Of XXXX we have not received any statements or communication of any kind from GMAC or any other entity regarding the GMAC and or HELOC. 
XXXX https : XXXX In a letter dated XX/XX/XXXX, from Ally bank notification regarding insurance coverage, we went online and discovered the HELOC is with Ally Bank XXXX From XX/XX/XXXX to current, we have yet to receive any monthly statements from Ally Bank or any kind of servicing transfer notice as required under RESPA 1024.33. 
Our first ( 1st ) mortgage is with XXXX XXXX XXXX  and is escrowed for property taxes and insurance. 
We inquired with XXXX XXXX XXXX  to refinance and payoff the heloc. It appears we were approved but XXXX XXXXXXXX XXXX  did not want to payoff Ally Bank as they considered the {$60000.00} as erroneous charges. Please note on the payoff statement, next payment date is XX/XX/XXXX. 
Then the wiring instructions direct the wire funds to be submitted to XXXX XXXX XXXX XXXX, XXXX, NJ with ABA numbers. 
We would like to resolve this issue as this loan is almost 9 years old with no communication, no monthly statements, servicing transfers or notices until XX/XX/XXXX.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXXAM DISPUTING THE FOLLOWING THE ACCOUNT WITH EACH BUREAU TO BE DISPUTED AS FRAUD ... ... .. 

CAPITAL ONE BANK XXXX ACCOUNT NUMBER XXXX DATE OPENED XXXX 2017
Consumer complaint received 2017-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

on XXXX/XXXX/XXXX bank of America took the amount of {$460.00} from my account in reference to a claim I made against XXXX XXXX, on XXXX of XXXX I called XXXX XXXX to provide me internet and television services, which they consented upon arrival the technician said because of my location they will not be able to mount the XXXX because there will be no reception that means they can not provide me any services, the technician offered to mount my flat screen tv on the wall for the sum of {$200.00}, i paid the technician with my debit card for mounting my tv on the wall. the very same day i cancelled XXXX for failing to provide services as required. on XXXX/XXXX/XXXX XXXX used my card information and charged my account with the sum of {$460.00} i called bank of America and made claim number XXXX against XXXX XXXX for a fraudulent transaction, on XXXX/XXXX/XXXX bank of America ordered that i cancelled my debit card so XXXX can not use it against me, which i did and a new debit card was re issued. on XXXX/XXXX/XXXX bank of America took my money and refusing to replace my {$460.00} back. i want my money.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

i had a bad time in XXXX XXXX florida had a hurrican and storm and i was not able to pay so i wrote hsn card synchrony bank a good will latter tellin them why i was late and they send me a latter back sayin they will remove it in XXXX but never did and my credit is still hurting frm this also drop my limit frm XXXX to XXXX to closeing my acct after i been a good loyal cumsmer for 6 year dats how they do me badbad
Consumer complaint received 2020-04-28
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. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$290.00} XXXX  XXXX   XXXX XXXX XXXX  XXXX {$77.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$480.00}
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXXXXXX XXXX XXXXaccount number - XXXX XXXX XXXX XXXXXXXX / account XXXX XXXX XXXX / account : XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account : XXXX XXXX / account XXXX XXXX XXXX XXXX XXXX / account : XXXX XXXX. Account : XXXX XXXX XXXX XXXX / account : XXXX 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (CA)

I sent a letter to Financial Credit network for a medical collections account that they put on my credit and have yet to receive a response or account deletion. The account was paid in full. Per The Medical Debt Relief Act of 2021 ; Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) ; Fair Credit Reporting Act 1-year waiting period before medical debt will be reported on a consumers credit report and to REMOVE PAID OFF and settled medical debts from credit reports that have been fully paid or settled. 
This is a violation of federal law.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (CA)

There is an unknown medical charge on my credit report. It does not state the original creditor only that it is medical. I am a veteran. I have always had medical insurance. I'm not sure why this is on my credit. It is affecting my credit negatively. I do not owe this. I'm not sure what it even is. It could be from improper billing. It is the only medical collection on my report. It is very odd. For it to be sold to a credit bureau is also confusing. The date stated on my credit report is XX/XX/2016. The amount is for {$200.00}. I've never received any notice of owing this debt or being able to dispute it in any way.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I received a statement dated XX/XX/2021 for a savings account maintained at Huntington National Bank showing that for the months ending XX/XX/2021, XX/XX/2021, and XX/XX/2021, a dormant account fee of {$10.00} was debited from the account for each of those months ( {$30.00} in total ). The account balance prior to the debits was {$120.00} and year to date {$0.00} of interest was paid on the account, yet Huntington Bank saw fit to debit 25 % of the account balance nonetheless. I called them and asked them whether they could reverse the charges and what I needed to do to remove the 'dormant " status on the account for which the fees were charged and they replied, on XX/XX/2021, that there is no longer a dormant status ( but could not explain to me why that status changed since I haven't done anything with the account ) but that they could not return the fees. This fee in relation to the amount of interest paid and the account balance is usurious.
Consumer complaint received 2022-11-17
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I was affected by XXXX. I contacted XXXX XXXX XXXX ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted XXXX XXXX XXXX XXXX and are working with them on the back payments. XXXX XXXX XXXXXXXX XXXX  has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, XXXX XXXX reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting XXXX XXXX XXXX XXXX with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-24
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. (TX)

I disputed with the CFPB and the company stated they were unable to validate the account. The Fair Credit Reporting Act states that information that is found to be inaccurate or can not be verified must be deleted from my credit report.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NBT BANCORP INC. (MA)

NBT Bank paid an ACH payment that came thru my account. I believe it was for a partial amt. At the time I was in the XXXX XXXX jail for a violation of my supervised release. The judge sent me back for 9 months. At which time I didn't realize I was over drafted. It wasn't until some time after I came home that I realized of the debt. I had contacted NBT Corporate because the branch was no longer open. I tried to make an offer to settle the bill, I didn't agree with why they charged me that amt. before closing my account. I had contacted the CFPB for guidance on the matter and asked what i could do I was told that I should offer a fair settlement and they don't except it then that's on them and it should be removed. So I offered the 50 % they didn't take it. I disputed it. The collection account was removed. After receiving the removal verification I still called NBT bank back to offer the 50 %. They refused. What I cant understand is why in a dispute it was removed. And it ended right back on my credit report. I would like to have the item removed please.
Consumer complaint received 2017-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NJ)

I was reviewing my car note statement notice that the principal had reach to a total of {$280.00} as XXXX/XXXX/XXXX and the interested rate {$75.00} dollars. I was wondering if the company was charging and extra fee for the car even though the APR was 5.990 % .quote on quote is state if you are late paying it 's only {$2.00} a day after the 4th day.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I have disputed both charges below because they were both fraudulent ( unauthorized ) : XX/XX/26 XX/XX/26 XXXX  XXXX MO {$87.00} XX/XX/26 XX/XX/26 XXXX  XXXX MO {$89.00} I have called XXXX 3-4 times to request credits for these charges and the reps tell me that if I do this or that ( e.g., sign and email letters back to XXXX ) I will receive full credits within a few days. I have done everything asked of me. It has been three months now and no credits have been received. 
Interestingly, each rep I have talked to agrees the charges are fraudulent, but said they have to follow a process of review, etc. I have talked to XXXX in XXXX Ky, XXXX ID XXXX XXXX, XXXX XXXX XXXX ID XXXX XXXX ), and XXXX ID : XXXX.