davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

Advised to consolidate my loans with my parent loans for better payment plan. 
They paid my XXXX XXXX even though it was specified to be excluded as it was free for1800.00 for XXXX. 
Called servicer when i was notified they paid XXXX and told too late too bad nothing I could do. 
After consolidation, turns out now I have unqualified loans and now I can not get better pay plans. 
Placed all in forbearance as could not affordXX/XX/XXXX sent IBR application, debt breakdown and taxes for self and spouse with taxes for payment plan After acknowledging receipt, XXXX advised too old and missing documents, but none were ever requested. 
XXXX Reapplied IBR Spouse and self and payments were now 40 % of our household income. 
CalledXX/XX/XXXXadvised by servicer that I needed to complete another IBR which was doneXX/XX/XXXX and told I need to fill out form to take out of deferment. They would mail form ( form came XX/XX/XXXX ) and told they see the mistake that my spouses loans were not considered when paymnet was calculated and she would send for evaluation. 
Called XX/XX/XXXXfollow up on evaluation and told that servicer no longer automatically calculates payments with spouse even when box is checked because too many people check in error. Advised that we would need to each fax in a letter requesting our accounts be reviewed together. Also this staffer was able to end deferment without a form. 
Bill Came XX/XX/XXXX again wanting 35.5 % of our household income for my spouse and I. 
his dropped from XXXX to XXXX mine is XXXX due in 14 days from notification giving us a total of XXXX due on our ICR plan. 
As of XXXX/XXXX/XXXX no word on if our faxed letters were ever received or being processed. 
Letter came XX/XX/XXXX explaining how they calculate ICR : XXXX or amount repaid annually over 12 years under standard plan multiplied by income % factor with XXXX divided by 12 or 20 % AGI - 100 % of poverty level which the calculate as XXXX however, we calculate jointly as XXXX total. 
We want to pay these loans, but need something we can afford. 
My husband and I work 2 jobs each and if we work a third job each next year the payment will just be higher so we are really stuck. 
We have consistently been provided with bad advice, wrong information, delays in processing which continues to grow interest debt, loans erroneously added to consolidation that was to be left out and inconsistent payment plans by XXXX XXXX.
Consumer complaint received 2016-09-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

About 15 yrs ago my husband and I invested XXXX with Merrill Lynch in XXXX Ct. The advisor 's name was refered to us. We had saved our money and wanted to invest. About less than 2 months later when I called to check in on our stocks he told us that we had lost everything! We were horrified! We did go into his office and now looking back he spent about 5 minutes with us telling us well that 's the risk that you take when you invest. That he bought internet stocks at the highest amount and then it fell. Looking back we were so young and foolish. We should have pressed him for more info or ask to see paperwork. A few years ago I heard that he was known around town for not being very honorable with his clients. A few months ago while speaking to a family member who is businessman in CT mentioned that this just did not sound right. He suggested that I call up Merrill Lynch and see if I can find a paper trail. Well I did last month and they told me that they have no record of us. They searched by social security numbers, names and address. They said that they do not keep records that long ago. I explained my story and once I mentioned his name I was shut out. They told me that it was up to me to find a statement. All I want is my peace of mind that this guy did invest our money. I do n't understand why he waited for the account to become XXXX or for me to have to call him. I am asking for you to look into this for us. I am not looking to complicate things for him. I know that he is with XXXX XXXX now. I just feel that Merrill Lynch has not done their due diligence to help us. We do not want to be foolish again. Thank you for any help that you can give us.
Consumer complaint received 2016-02-09
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: CASHCALL, INC. (AR)

took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call XXXX XXXX collections
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX  XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

Jefferson Capital LLC at XXXX # XXXX XXXX XXXX XXXX XXXX, AL has been sending me collection notices in the amount of {$1800.00}. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.
Consumer complaint received 2017-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America keeps reordering debit card transactions in various ways that does n't reflect my debit transactions. I 'll have a zero transaction and all of a sudden an old debit is processing or they change the order causing me to have less than what I previously had. I also had an incident in XXXXXX where I was charged an overdraft fee, and I had put enough money in my account to cover it. Had I not caught it, the charge would have stuck. My purchases should not be shuffled or debited by large to small but as I purchased. I 've complained about this before. The womam from bank of America who called was extremely rude and I would not speak to her.
Consumer complaint received 2016-09-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid off my HELOC a/c with Bank of America on XXXX XXXX. Escrow paid in excess & now Bank owes me a Refund of {$450.00} ( XXXX XXXX & XXXX XXXX dollars ). As per pay off statement Principale & Intrest was paid upto the date & I had no Escrow a/c so there was no tax Liabilities on bank ... ... A request was made on XXXX XXXX to expediate the Refund but till today i, e, XXXX/XXXX/16 no check has been received. A follow up phone calls were made & they keep telling me it is under process & they can refund money upto within 30 Days. 
My question is when customer has everything clean on a/c why they have to keep customer money for 30 days? Is it legal to do that? Also if customer 's payment is late by a day the Bank charge a heavy late payment charges, then on what ground they can hold the customer 's money when whole process is computerised. By adopting this practice these Big Financial Institutions are using millions of dollars of customeers for free. What can be done about it. & where to complain about it, this is not fair to the public. Plz. kindley response Thanks ...
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (MA)

All correspondence and attempts to collect this alleged medical debt from : Stoneleigh Recovery AssociatesXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Timeline : Stoneleigh Recovery Associates ( SRA ) XX/XX/XXXX : Two ( 2 ) notices looking for payment of {$60.00} each ( total {$120.00} ) two separate account numbers and two separate SRA file numbers. One notice had my address written incorrectly. 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA mailed notice to me they had received my request for verification and were awaiting information from their customer. Letter also stated there would be no attempt to collect on this account during this time. 
XX/XX/XXXX : SRA mailed partial verification of debt ( four pages including cover letter, page one : cover letter, page two : notice of physical address of Massachusetts office, page 3 : copy of a XXXX XXXX from a doctors office, page 4 : explanation of patient notes, with no name or account number on it. 
XX/XX/XXXX : SRA mailed one notice looking for payment of {$60.00}. Address incorrect, different account numbers and file numbers from previous year ( see above ). 
XX/XX/XXXX : I sent, by registered mail, request for validation of debt, which included request for the following information as required by the FDCPA, 15 USC 1692g Sec. 809. 
XX/XX/XXXX : SRA send me notice they received my request for verification of debt. Included in letter is the statement : During this time SRA will not attempt to collect on the account. 
XX/XX/XXXX : SRA mailed me four ( 4 ) notices of debt, ( all different account and file numbers, address incorrect ). These notices were looking to settle these four new accounts for less than their alleged original debts. 
XX/XX/XXXX : I sent, by registered mail correspondence to SRA which included a copy of the notice that said they would not be attempting any collections until previous debts were verified ( which I never received ) and requesting verification of the 4 new alleged debts.

On your site I noticed that SRA has engaged in activity similar to the one described by me above. I put in my correspondence I would be filing a complaint with this agency and the Massachusetts Attorney General. I may also seek private counsel to pursue monetary compensation for these violations.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (OR)

On XX/XX/XXXX and XXXX and XX/XX/XXXX my credit card number was used by someone other than me at Experian XXXX. In earlyXX/XX/XXXXmy credit card was also used by someone else than me at XXXX XXXX XXXX.
Consumer complaint received 2016-09-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

This debt is inaccurate. I never received notification of this debt. Ihad XXXX with a deductible which was met for the year and afterwards insurance paid XXXX %. I never received bill for this debt, call or notice. I have requested many times for a detailed bill of services rendered and account bill with no response and no information received, ever. I have asked this debt from all credit reporting agencies to be removed due to failure to show accountability and it remains on my report. Thus i will not pay this debt and will continue to refuse and dispute this account because my account payment history as shows is XXXX % on debts i owe not ones i never received notification or acceptance on sevond and third party billers who falsely report negative medical bills on consumers who are more than adequately covered by insurance. My insurance company still doesnt knowwhat this charge is as well. 
I want this removedfrom my credit.
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NH)

To be clear to start, the issue is that I could not get anyone on the phone to understand that the material misrepresentation about payment posting on the website was something that needed to be addressed. Their process to resolve my misapplied payment makes no sense, but it did get fixed after speaking with the company. 

The Hyundai Finance website states that overpayments will be applied to principal once the current bill and any outstanding bills/fees are satisfied. It lists a slightly different posting order for payments under or over {$2500.00}, but both sections state that overpayment will be applied to principal directly. 

I made my first payment on XX/XX/XXXX, before the due date of XX/XX/XXXX. I called on XX/XX/XXXX to ask why the excess had been applied to my following bill instead of principal. The final response I got from my first call was that excess payment is in fact applied to principal and that that is what happened with my payment. 

This did not seem right as I could see that my following bill had been reduced by the extra amount, so it appeared it had not been applied to principal. I called back to verify and the second person I spoke with informed me of the actual policy ( that overpayments on sums under {$2500.00} are NOT applied to principal unless you make a payment then call back two days later to have it reversed and reapplied to principal. ) I tried to inform him that the only available place that I could find in my loan documents or the website stated a different posting method, ( one that is clearly more beneficial to the borrower 's interest paid, ) and he could only " apologize for the incomplete information on the website. '' That is not " incomplete information, '' that is a material misrepresentation that causes the borrower to pay more interest than the posting method stated on their website.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

My name is XXXX XXXX I was in training for the XXXX  XXXX of XXXX thru XX/XX/XXXX I arrived at my XXXX XXXX  XX/XX/XXXX at some point in XX/XX/XXXX someone was able to get a second bank card for my personal account and withdrew a total of XXXX from a atm in Tennessee Im XXXX  at XXXX XXXX North Carolina also I have never been to Tennessee they are still in the process of deciding where to get give me the money back or not
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

Unauthorized inquiries on my Experian credit report. 
WWW.EXPERIAN.COMI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Experian. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total.
Consumer complaint received 2015-12-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

XXXX and LVNC Funding LLC continues to place me in collections for debts that are not mine. The are now claiming that I owe LVNV Funding LLC for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with XXXX or LVNC, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, XXXX turns things over to LVNC or XXXX of their other companies or, visa versa. At this time, XXXX is trying to collect for LVNC. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.
Consumer complaint received 2024-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

********NOTE : THIS IS NOT A " DUPLICATE COMPLAINT '' DO NOT CLOSE : ****** This is another issue entirely. 

I have a private student loan with Navient that consolidated XXXX loans from attendance at XXXX XXXX XXXX. The school listed on the loan application was XXXX XXXX XXXX. The loan application date was XX/XX/XXXX. The loan was disbursed on XX/XX/XXXX. Navient has the loan labeled as a XXXX  XXXX XXXX loan. This is incorrect and I have asked them to correctly label the loan as XXXX XXXX XXXX. They refuse to do so. 

They state that although the loan was for XXXX XXXX XXXX, I was attending the XXXX  XXXX XXXX at the time the loan was disbursed. This is incorrect. 

The Navient loan was disbursed on XX/XX/XXXX. My dates of attendance at the XXXX  XXXX XXXX started on XX/XX/XXXX and Navient acknowledges this in the letter they sent me. 
XXXX XXXX dates of attendance : XXXX Private loan application date : XX/XX/XXXX Loan originated : XX/XX/XXXX Loan disbursed : XX/XX/XXXX XXXX XXXX  XXXX dates XXXX attendance : XXXX I was not attending any school at the time of origination ( XX/XX/XXXX ) and disbursement ( XX/XX/XXXX ) and the most recent school I HAD attended was XXXX XXXX XXXX. 
NO loans associated with the XXXX  XXXX XXXX are included in this loan, at all and Navient acknowledges this. 
This loan is NOT a XXXX  XXXX XXXX loan and the documents attached attest to these facts. 
The loan needs to be labeled accurately as an XXXX XXXX XXXX loan. 
Any attempt to call this a XXXX  XXXX XXXX loan is FRAUD ( as defined by the state of XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX : means to knowingly obtain, by deception, some benefit for oneself or another, or to knowingly cause, by deception, some detriment to another ). The dates speak for themselves. Navient is clearly attempting to realize some benefit to their company by labeling this loan as something other than an XXXX XXXX loan.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Hello I an entering this under noncompliance of the Section 809 of the Fair Debt Collection Practices Act. I have contacted PORTFOLIO RECOVERY ASSOCIATES and requested original singed & dated contracted. They have been unbale to provide since XXXX of 2020, their letter stat 's they have received original documentation from said original lender however when asked they never have it. They have also falsely reported this information to the credit agencies
Consumer complaint received 2017-10-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Company was misallocating payments made. I would make payments and pay an extra amount every month to be applied to the principal amout of loan with highest interest rates. Company would apply this amount to fiture payments on all loans instead of principal of loan with highest interest rate. This occured throughout the months of XXXX XXXX to XXXX XXXX with over 4,000 dollars in payemnts. Contacted loan company multiple times to have this corrected and allocate payments correctly. XXXX XXXX called company again to correct their mistakes. They reallocated payments, but still incorrectly. I was unable to refinance loans through another company due to high balances. XXXX XXXX intrest rates were raised by .25 % on all loans. XXXX XXXX, my parents took out a private loan to pay off my loans through Navient. I now make monthly payments to them.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NE)

****Previous small claims case is dismissed due to intentions to file federal complaint if correction is not made. All communications will be used to establish basis for federal complaint******** I have tried diligently to communicate to the CRA that there were multiple unauthorized inquiries into my credit that were a result of a rogue employee at an automotive dealership. I have provided evidence that I did not authorize the inquiries and even showed an email that the dealership admitted to the unauthorized submission to the lenders and categorized the submissions as accidental. I have filed a complaint with the FTC and asked the companies directly to withdraw their inquires.CRA has blatantly disregarded my request to have the inquiries withdrawn despite the evidence that has been provided.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (CO)

I am a previous Wells Fargo customer and as a result of them signing me up for credit monitoring services and other services I became a victim of several phishing incidents and credit inquire problems. I was just notified by a friend about the Wells Fargo settlement that many of their previous and current customers were receiving for incidents identical to mine. I reached out to Wells Fargo about this multiple times and needless to say I got nowhere. Its extremely frustrating because in no way was I irritate with them or nasty by any means but to be disregarded and tossed to the side is disrespectful and disheartening.