davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TN)

I had fraud on my account with roughly 10 charges all for similar amounts. Ally never flagged the charges to see if it was me. I got paid on payday and I was paying my bills and got declined a bill payment just to login and see my account had all my money taken out - {$250.00} was in my account on payday. I then called ally immediately and they told me to call back when the transactions finalized. I called back and filed a claim for the transactions and I also paid {$15.00} for an expedited debit card replacement. Well a week later I still didnt get the card so I called to see where my card was and they told me they didnt send me a card because my account was negative and I needed to cover that negative amount before a new card is sent I then asked what was going on with my claims, they then told me that the claims werent found fraudulent regardless of what I told them. They had XXXX care or concern. So no my account is negative- {$260.00} and I plan to sue if this issue isnt resolved in the next couple weeks.
Consumer complaint received 2016-06-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NC)

My loan company accessed my personal phone records without authorization and called random numbers. The company is XXXX, I do n't know when and how this access was done but since I first learned this people have informed me XXXX called their number. These various people and arenumbers not associated with my account.
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Loan Science, LLC (CO)

I had a private loan that was consolidated in XX/XX/XXXX to Loan Science from XXXX XXXX. My cosigner and fianc died XX/XX/XXXX, the company worked with me on lower payment plan for the last 8 years. I was not aware that they would suddenly decide to stop offering a lower payment plan, or that once I had to pay the full payment, which is difficult as I care for my XXXX mom and still recovering from the sudden loss of my fianc, would be XXXX % of the payment would be going to interest, and that the interest rate would cripple me for the next 25 years. Private student loans are predator, and I feel as if I have been prayed on. With the current payment, I am barely able to provide for my family.
Consumer complaint received 2016-05-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (OH)

I bought a used car in XXXX from XXXX and financed it through Santander USA. I paid {$15000.00} for the car. I admit that I was going through a personal and professional crisis at the time and did not pay enough attention to the deal. When they told me my interest rate was XXXX it did n't make a difference to me, I needed a car immediately in order to get to work. I have now made XXXX payments on that car. The loan is maturing XXXX XXXX, XXXX. The principal is {$8600.00} and the estimated payoff is {$10000.00}. It is a XXXX hole of a loan -- having paid them in excess of {$27000.00}, I have a car that is virtually worthless -- and they still want another {$10000.00} from me. How can I have this loan adjusted to a realistic state and stop being charged extraordinary fees keeping me in what is in essence a predatory loan?
Consumer complaint received 2016-02-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

My PNC account which I never use was overdrawn. I made the ACH transfer of the remaining balance and asked to close the account. They debited my XXXX account on XXXX/XXXX/2016 and it had still not posted it to my account after 3 business days. 

They are piling on overdraft fees while still holding my transferred amount and giving me incorrect phone numbers to resolve this issue.
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (TX)

I changed electricity providers, I notified XXXX XXXX and they charged me for the same time period I paid XXXX. I sent my bill from XXXX to them and they turned it over to a collection company.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had an account with Bank of America, I was applying online for jobs and I received an interview for a customer service position ; I was told that I will get sent a check to purchase items for the job. Once I received the check I deposited and Bank of America informed me that the check was a fraudulent check I told them what happen and I received XXXX msg fees because XXXX pending transactions posted ; the rep informed me to write a letter exposing what happen and pay the fees and nothing would be reported to XXXX but I will not be able to open another account with them, I did What he told me and assumed I was told the truth years later while in the process of buying a home I 'm told that I was reported to XXXX as a fraudulent account this is not my fault I thought that this was a legit work from home job as I 've worked for XXXX for years ... and the representative at that time told me I would be okay ; it should not be okay to be lied to I do n't owe Bank of America any money and now I 'm being block from providing for my family because I thought my Bank would protect me but I was lied to did what I was told never committed any fraud ; all because I deposited a check that I received in the mail to to start a job that I thought was legit.
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NC)

I was a customer of a local bank named PNC and I had a personal checking account. When I went to close my personal bank account, the bank issued XXXX cashiers checks. Both checks bounced when deposited into another financial institution. After informing the bank that their cashiers checks bounced, the bank ( PNC ) required me to return the cashiers checks, before re-issuing new valid checks. Because the cashiers checks had been destroyed, the bank has refused to reissue new checks and has not refunded my funds after more than two weeks.
Consumer complaint received 2022-02-10
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. (VA)

I submitted a disputes to TransUnion and they lied and said they verified the 3 bankruptcies but they did not. I also provided them with court documents that prove the 3 bankruptcies were falsely filed in my name without my consent. The court documents prove I sued the individual and won. The court determined I did not ever file bankruptcy. I tis obvious that TransUnion did not review the documents I sent. I have proof they received my letter because I sent it certified mail. These illegal bankruptcies are preventing me from obtaining a place to live. I have been trying to get an aprtment. I have shown the court documents to apartment managers but they say there is nothing they can do because they base their decision of approval on my credit report. TransUnion has the responsibility to properly verify my disputes and they filled to do so. Below are the bankruptcy information XXXX is reporting. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (UT)

I signed up for the XXXX XXXX Platinum Card with a signup bonus of XXXX Membership Reward points after spending {$3000.00} before the first three months of card membership. I met the minimum spend and I was rewarded the XXXX points to my account. I wanted to use the points for an upcoming flight so I tried to transfer the points to an airline. I received this message while trying to transfer the points : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I thought to myself - okay, that is understandable, it should n't take more than a couple weeks to do the review and release my points. Well, it has been over 5 weeks and I still can not make a transfer or use any of the points. Meanwhile, I had to pay out of pocket for an upcoming flight that I was planning on using the points for. I have complied with all of their terms and conditions. I paid off the {$450.00} annual fee. I have spent much more than the minimum {$3000.00}. I have had a long history with XXXX XXXX and have never done anything to hurt it. I am perfectly okay with XXXX XXXX doing a review on my spending, however, they have given me absolutely no communication, either by phone or email, about this so called review. They will not give me any specific timeline as to when they will finish the review and release my points. That is not only bad business, but unethical and dishonest.
Consumer complaint received 2015-10-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I opened an account XXXX XXXX and due to inactivity and Bank charges, my account was overdrawn. I did not realize until it was reported to ChexSystems. I have made payment to offset the over due charges and the Bank acknowledged the payment. However, ChekSystem is reporting the followingChexsystem Records : Account Abuse, Delinquent/derogatory behavior, NSF Activity, Fraud, or ClosureUnpaid/Outstanding money owed to a different financial institutionThis has caused denial of membership at a Credit Union ( XXXX XXXX XXXX ). I have reached out to Chexsystems 2 months ago but the information is still not updated.
Consumer complaint received 2023-03-22
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX  ) XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (CA)

Santander has obtained my personal account information, violated my confidentiality by falsely reporting fraudulent information on my credit report. I have the documents necessary to substantiate this claim. This very dishonest, Santander Consumer has also defrauded with XXXX XXXX XXXX to illegally and deceptively obtain money that was due to me. From the application of credit ( for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have requested a validation of this alleged debt resulting in them ( Santander Consumer ) sending a null and voided contract. I also reported the credit to IRS via 1099b. Santander has also voided and rescinded and purchase ( XX/XX/2022 ) I can show receipts of payment history because I actually had been in honor of the contract. However for the initial purchase of the first vehicle ( XXXX XXXX XXXX from XX/XX/2022 ) there was never one payment because Santander XXXX rescinded that contract, I have no payment history with Santander obviously because I reported them to IRS, yet Santander has an animated payment history. I can prove fraud. I want the XXXX Santander Consumer has defrauded my insurance company for, I have been injured as a result. XXXX XXXX has the false payment history I also has copies.
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Got loans from XXXX back in XX/XX/XXXX. When I was a senior in college I applied for autopay on what I believed were my XXXX loans. Post college I got accepted in the federal loan forgiveness program for my federal loans. I called XXXX to make sure my other private loans were being paid and they were. However recently 3 private loans from got sent to XXXX by Navient. I was never made aware of these loans not getting paid as I was told by XXXX that I was covered. When I called Navient the told me they split, with XXXX and took some of my loans. I was never given a chance to pay anything on these loans before they went to collections.
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

In XX/XX/XXXX My XXXX accounts were transferred to Transworld Systems Inc. Th credit limit of the XXXX card was {$6000.00}. There was about {$5000.00} charged to the card. The XXXX card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the XXXX program each of the following years : XX/XX/XXXX {$8500.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$1800.00} A few weeks in a notice dated XX/XX/XXXX I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/XXXX I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the XXXX accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.
Consumer complaint received 2017-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

Received debt notice for account that was last posted on credit report XXXX 2013 with XXXX balance.i believe at the time account was reported I specified I did n't know who XXXX XXXX was or what account was for. It has been off credit report for a few years now.dynamic recovery solutions is showing a balance of XXXX
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I have received a cash advance offer from Bank of America for 18 months with 0 % interest with 4 % advance fee. So I took advantage of this offer and call the bank, I asked them how much I can borrow without affecting my credit score? Their answer was I can borrow up to the full amount without mentioning the effect on my credit score. So I borrowed 90 % or {$40000.00}. and I paid {$1600.00}. fee. I noticed my credit score was dropping since then. Although it was my decision to borrow based on their offer but I believe the banks should inform their clients that borrowing money may affect their credit, or to get advice from credit bureaus before borrowing. 
Now to regain my credit score I have to pay back the bank which it cost me {$1600.00} for 4 months instead of 18 months. I requested to pay back their money and they reduce their fee but they have rejected that. ( B of A case # XXXX ) I consider this offers as a public fraud since this sales only based on their sales without considering if that has a negative effect to their client 's financial. This is the same thing they have done on refinance houses prior to 2008.
Consumer complaint received 2015-09-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

I refinanced XXXX of my XXXX loans through Navient. When the loan went through, the amount was larger than the the loan I was paying off, and the rest of that money went to the remaining loan and satisfied several months worth of payments. During this time they were accruing interest, and it was n't billed to me. It was only visible on the statement, not on the setup screen for payments on their website. So I had no idea I was being charged this amount of money for interest each month. So now, because I paid early payments for several months, I have to pay down nearly {$500.00} worth of interest before I can even pay towards my principal. It was nice of them to automatically decide for me to take the money and put it towards several monthly payments instead of making one payment toward the principal. And I had to hunt down a number through XXXX just to be able to talk to a human. All of their " main '' numbers are just there to force you to make a payment, and will not let you talk to a representative.
Consumer complaint received 2022-09-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

This debt only shows up on my XXXX credit report and it has been deleted from both XXXX and XXXX which I believe is grounds for removal from my XXXX as well. I am also attaching a screenshot of the collection from the credit report and a copy of the letter that I have mailed to the collection company in which I am challenging the debt.
Consumer complaint received 2022-02-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

In XXXX of 2021, Freedom Mortgage offered me a " streamline VA refinance '' on my mortgage. I believe that I closed on that sometime in late XX/XX/2021. I believed my 1st due payment on the new mortgage was in XX/XX/2021 based on verbal information given to me by Freedom Mortgage. As a result, I did not attempt to make my new mortgage payment in XXXX and was considered 30 days late in XX/XX/2021 and XX/XX/2021. Having actually paid my XX/XX/XXXX payment in XXXX, and my XXXX payment in XXXX- I did not discover that I was actually 1-month behind until early XXXX and then made two payments during the month of XX/XX/2021 to essentially " catch up '' on my payments. 

I'm requesting a 1-time goodwill gesture on their part to remove the 30 day late entries on my credit report for XXXX and XX/XX/2021. I've taken the necessary steps to ensure there are automatic payments made at the first of each month to ensure there will never be another late payment. 

I realize that this is not something that Freedom Mortgage has to grant, but this goodwill gesture will greatly increase my standings and ability to gain positive traction with my credit score. I also admit that it was entirely my responsibility to know when my mortgage payments were due, and this was entirely my fault, but I'm hoping and praying there can be an act of goodwill and faith in my continued business with them and holding my mortgage with their company.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Future Judgement Solutions (MA)

The company repeatedly calls in odd hours and leaves harassing messages.For example, on XX/XX/2024, a XXXX XXXX called at XXXX and XXXX threatening to deliver an unknown document to my place of employment.On XX/XX/2024 at XXXX and at XXXX XXXX called threatening with the same as above.In attempting to know why the company keeps calling me and harassing me, they state that they have filed a civil law suit and threatened with it.
Consumer complaint received 2022-02-10
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 (TX)

I have not received my over payment, and this car is still showing as current on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I had a promotional balance with Best Buy. The promotion ended and I did n't know about it. I contract the XXXX number and was told it was to late and 2 months ago that they could n't help me. I was told the only way to get help was write a letter to a different department. I also found out I was n't receiving a statement paper or via email. I was told if I did receive the statements I would know of when the promotion was ending. I was however receiving a due date payment which I had thought this was my statement but it turns out it was n't. I did however completely pay off my bill minus the interest. I have now sent XXXX letters to the department they told me to contract and I have n't received anything back.
Consumer complaint received 2021-02-26
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. (NV)

A account was opened fraudulently in my name. I immediately contacted the collection company to dispute. An investigation was opened. I filed a police report, completed a identify theft waivers, made copies of bank statements, utility bills and driver license. This XXXX collection account made my score decrease by XXXX points. After the investigation was complete and the account was removed. Experian reported only XXXX points back on my report. I would like to know why only XXXX points was put back for this account when they removed XXXX. That is XXXX points missing that I would like back. That would put my XXXX XXXX back in excellent and the credit bureau know that. I feel like this is discrimination due to me being XXXX XXXX. Credit is way to keep XXXX Americans out of particular buying markets. I would like to know why my points wasnt put back.