davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Spoke to a condescending supervisor at Bank of America EMPLOYEE ID : XXXX and requested a fee removal of XXXX monthly maintenance. I recently had a discrepancy on which account will be closed. They wouldnt abide by waiving a fee. Im an elderly client and they wouldnt help with this fee removal. Please help me get this fee waived
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Original creditor : XXXX XXXX XXXX  Balance details 100 % of this account is paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Hi, Back in XX/XX/2015, I confused the monthly payment due date of my Capital One credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...
Consumer complaint received 2016-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (OR)

NELNET - Using false dates to gain money- to say that I did n't re-apply for an income based repayment ( I have proof that I submitted 3 times all nearly a month prior ) Also using Gross Income ( not AGI ) to form their IBR repayments
Consumer complaint received 2022-09-07
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. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (SC)

I have a collection on my credit report from Receivables Performance Management. I was not aware of this collection until a review of my credit report inXX/XX/XXXX. This collection is from XXXX XXXX XXXX. By the way, I currently have service with XXXX XXXX XXXX. InXX/XX/XXXX when I paid the bill that 's being reported to my credit, it was paid to XXXX XXXX XXXX not Receivables Performance Management. I have no contract with this company nor any knowledge of this debt being reported to any outside collection agency. I 've made multiple attempts to get this agency to remove this collection, but now when I call them, they tell me I have to speak with a manager, place me on hold for extended periods of time and disconnect the call before I 've even spoken with anyone. I would just like this collection removed and I am making this complaint as I 'm not getting assistance dealing with the Collection Agency.
Consumer complaint received 2019-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have 2 separate lenders- XXXX and Navient. I was having trouble paying XXXX and Navient was still in the grace period this Spring ( 2019 ). I completed the income-based repayment request. XXXX lowered my payment. Navient determined that I can pay over $ XXXX. They are refusing to work with me for a payment option that works and are instead happy to help me go into forbearance and accrue more interest or simply default. This should be illegal- I want to pay them, but I also can not afford the amount they are proposing. I am not going to financially ruin my family to pay this back- that was not the point of going back to school. I am getting nowhere with the representatives at Navient.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

My credit report shows a 30 day late mark for XX/XX/XXXX from Bloomingdales Store Credit Card. The bill was due XX/XX/XXXX for {$1500.00} with minimum payment of {$120.00}. 
I attempted to make a minimum payment before due date online, however the website kept malfunctioning, and as it turns out did not process my payment. I was only made aware of the issue when credit card representative called and notified me that my bill was pass due, at which time I made a payment of {$500.00} on XX/XX/XXXX. For several months after the issue kept reappearing with Bloomingdales payment processing website and I had to make payments in person at Bloomingdales store or call in to make sure payments went through before due date. 
I have been a good customer since XX/XX/XXXX, a black card holder with this store, and have always payed on time. 
I have attempted to resolve the issue with the credit card company however the issue has been in dispute since XX/XX/XXXX without resolution.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IL)

While XXXX last fall, I applied for and received the barclaycard Luxury Gold card. The bank waived the {$990.00} Annual Fee. However since returning from XXXX I have received 2 notices from barclaycard indicating they will no longer waive the Annual Fee. I wanted to understand if this legitimate. When I signed up for the card, barclaycard said they would waive the fee for the duration of my time on XXXX? Are they allowed to change that policy mid-stream? I still ( hopefully ) have several years on XXXX XXXX and would still appreciate access to the many benefits, as well as 0 % APR made available through this card. I appreciate your time.
Consumer complaint received 2022-03-02
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. (NJ)

XXXX reported XXXX late payments on XXXX accounts with a total of XXXX payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in XXXX Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX bank when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-03-02
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. (NJ)

XXXX reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (GA)

Tried to placeXXXX.on secured credit card at regions bank .teller told me I couldn't after she deposited my XXXX. I withdrew it. I wasn't wanting checks mailed to me or a debit card .just secured credit took m paperwork she gave me burnt it .she took my direct deposit from social security check. I did not give permission for that couldn't find my check. that was over a year ago in XXXX XXXX. Branch in XXXX ga. Where I moved to from XXXX refuses to talk to my about a loan telling me I don't know how much income I have .I know .teller refuses to issue me debit card for twenty for hours so I to a different branch .get the card.this hole time have not been able to do online banking. They have been charging me for every transaction. Just found out last week.
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My daughter has been paying my credit card every month on the same date. Now all of sudden Capital One post on my online account this Noticed " Oops! Looks like your account is behind. You can easily make a payment now or learn about missed payments. If you recently made a payment, you can check the status. Thanks! " I have call them and ask why all of sudden my payment is so call late when we pay every month the same date. The agent was rude and telling me that I have n't made a payment. But I can show payment are done every month on between date of XX/XX/XXXX to XX/XX/XXXX. We even pay online through their website the so call {$100.00} I was so call late on. Still that Alert on my capital one account.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (MO)

After reviewing my credit report, I noticed that Aargon Collection Agency is reporting and trying to collect {$100.00}, in which I do not owe. I have never done business with Aargon Collection Agency and do not know what this collection is for. I also never received a written notification of debt, so that I may dispute the validity of this debt as is was added to my credit report in XXXX 2017. I do not have any financial obligation to Aargon Collection Agency and do not why this account is on my reports.
Consumer complaint received 2024-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

My federal loans are covered under full class under the sweet vs Cardona class action lawsuit. They have been fully discharged. These loans are from the same school taken out at the same time, with the same pressure to sign for them. The school has been closed. Others with loans from the same school are being discharged. School is closed due to fraud related to embezzlement of loans, such as this. I received a denial with no information as to why and these should be discharged.
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/2021 XXXX XXXX XXXX was told by a physician at XXXX that the poor circulation in my legs was something that they'd be able to help me with for XXXX which was only supposed to be a consultation. And after doing an ultrasound with my Neurologist whom confirmed that i would need surgery and if i had elected to go through with surgery I would have to have XXXX immediately afterwards. I was told by the Neurologist that XXXX couldn't fix the blockage that was creating the poor circulation in my legs and XXXX also charged me in total XXXX and they did absolutely nothing for me.
Consumer complaint received 2018-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CARS Acquisition, LLC (AL)

Purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid {$700.00} down with 15 {$220.00} payments. We paid two payments directly to XXXX and in XX/XX/XXXX XXXX sold the contract to XXXX XXXX. We made three payments directly to XXXX XXXX. The payments are sent in the form of a check directly from our bank and the bank has verified the checks to XXXX were received and cashed by XXXX. As of today, the two payments we made to XXXX have yet to show up causing our credit to spiral downwards because its showing 60-89 days past due. Have spoken with both companies and they tell us to get with the other one to get it fixed. Meanwhile, late fees are accruing and no one wants to do anything about it. Help please because the arbitration agreement wants us ( the consumer ) to pay for all arbitration fees and on XXXX thats literally impossible.
Consumer complaint received 2017-06-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Skrill USA, Inc. (FL)

A client of mine sent funds in US dollars - {$510.00} - from a XXXX account in the XXXX, via Skrill, on XXXX XXXX. When I try to transfer the US $ funds into my US $ account, I get the message, " USD bank wire transfer requests will be executed in EUR. If your request is in USD, by continuing this transaction you agree that we will apply an FX charge. Please check with your bank for additional costs if your account is not denominated in EUR. '' Skrill itself acknowledges that this fee is incorrect, as my client already paid the FX fee from XXXX to Dollars. My client and I have called and emailed Skrill to get this problem corrected, and we have even asked that Skrill return the funds to my client so they can wire me the money through other means, BUT SKRILL HAS NOT ADDRESSED THE PROBLEM AFTER 3 WEEKS FROM MY INITIAL COMPLAINT.
Consumer complaint received 2023-05-11
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX, a heating and air conditioning company named XXXX XXXX XXXX XXXX located in XXXX, TX, refunded {$70.00} to my credit card at my request. I did not receive an invoice or any communication from XXXX XXXX regarding an amount due. On XX/XX/XXXX, eleven days later, I received collection notice for {$70.00} from Transworld Systems , Inc. 
On Monday, XX/XX/XXXX, I spoke with the accounting department of XXXX XXXX. The person I spoke with, XXXX, indicated to me that the bill was in error and erroneously stated that XXXX XXXX handles collections in-house. When I asked for a written statement showing that our account had a XXXX balance, XXXX offered to send me an email. 

I requested that I also receive a written statement that no debt is owed from Transworld Systems, since they are a separate company based in Pennsylvania. At first, XXXX claimed again that XXXX XXXX collects debt in-house, but then stated that Transworld was indeed a separate company and that contacting them would be my responsibility. I requested that XXXX XXXX reach out to Transworld and request a {$0.00} invoice for me since they were in error. I also requested to speak with a manager at that time. 

As of close of business Wednesday. XX/XX/XXXX, I have not heard from anyone or received anything from XXXX XXXX or Transworld Systems.
Consumer complaint received 2022-09-07
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)

Transunion continues to report inaccurate information on my credit report. The XXXX accounts are listed below ; XXXX. XXXX  : this is listed as a charge off but is showing a missed payment with a balance of {$2700.00}. This is inaccurate reporting XXXX : listed as a charge off and showing a missed payment with a balance of {$13000.00}. Also being reported in accurately. 

The date of last active and date of last paid is different from the other XXXX credit reporting agencies. How can this be if this is being reported accurately.
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I am a co-signer on a private student loan that was taken out in  XXXX  for my son to attend college. I filed for bankruptcy in  XXXX , and the  XXXX   XXXX  loan was discharged on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  was notified by first class mail on  XXXX   XXXX ,  XXXX .     My son is still paying on this loan, and when he misses payments, they call my phone several times during the day and send me emails. This happens after he has missed payments for several months, and a negative report has been made to the credit bureau. I was never told of a cosigner release.     In addition to receiving phone calls from Navient regarding late payments, i have recently received phone calls on : Saturday,  XXXX   XXXX ,  XXXX  @  XXXX    XXXX   Sunday,  XXXX   XXXX  @  XXXX   XXXX  Tuesday,  XXXX   XXXX  @  XXXX    XXXX    Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX  Tuesday  XXXX   XXXX  @  XXXX   XXXX   XXXX   XXXX  still reports missed payments to the credit bureaus, and it still appears on my credit history.
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Escrow Review Statement received in XXXX 2017 showing shortage of {$2100.00}. 2 options : pay shortage by X/X/17 to have payments of {$2000.00} or have mortgage payments increase to {$2200.00} beginning X/X/17. ( See attached notification ).
<P/>
Payments to cover escrow shortage : X/XX/17 : {$1000.00} ( Total escrow payment {$2000.00} -- {$1000.00} was regular monthly escrow payment ) X/XX/17 : {$1000.00} XX/XX/XXXX : {$110.00} Full mortgage payment of {$2200.00} made X/X/17. In preparation to make XXXX 2017 payment, payment amount had not been adjustment and escrow surplus from XXXX 2017 had not been refunded. <P/> Call to Customer Service week of X/XX/17. Escrow analysis rerun- online payment system would be updated for XX/XX/XXXX payment and overpayment of {$170.00} to be refunded.
<P/> X/XX/17 : Update to payment had not occurred. Called Customer Service and was told adjustment to payment amount would be made, however, update would take place over night in time for X/X/17 payment. Customer service agent XXXX told me that I could not receive a refund by check of my escrow overpayment although I discussed with him that law indicates amounts of > {$50.00} should be refunded. Although it was not my preference, we agreed that he would apply the escrow overpayment to my principle.
This morning, I went online to make my XX/XX/XXXX payment. I found my XX/XX/XXXX payment has been reversed and my account is now showing as delinquent for XX/XX/XXXX payment. ( See account activity statement showing reversal of XX/XX/XXXX payment, account delinquency and all payments to address escrow shortage.
Consumer complaint received 2021-10-04
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. (IL)

This is my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on XXXX and Equifax they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (LA)

Submitted previous complaint # XXXX regarding an additional {$120.00} promotion fee of which we were not made aware of. Your office told me that TD Bank N.A agreed to waive that fee although they never contacted us. Today via letter our account was closed " due to inactivity '' although payment was posted to our bank XXXX/XXXX/15 and XXXX pmt due XXXX/XXXX/15. Internet reviews unbeknown to us describe tactics such as this XXXX.
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (TX)

on XX/XX/year> Wakefield and associates attached a collection for {$550.00} to my credit report that belonged to someone else who lives in Virginia I live in XXXX  with a different last name. They added my DOB my SS #, his address his past employment to my record by arbitrarily and maliciously putting my information on a colection that does not belong to me. I am a XXXX credit score XXXX  and this has been a big problem