davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (TN)

I was involved in a motor vehicle accident and had to receive an XXXX of my XXXX and XXXX. I provided my health insurance information to XXXX XXXX XXXX. The insurance company previously approved the treatment. After I completed all my treatment, I went through the subrogation process and reimbursed my health insurance company. 
I recently received a letter dated XX/XX/XXXX from Frost-Arnett attempting to collect {$4400.00}, which is about {$3000.00} more than the contracted rate for the service I received. I contacted the collection agency whom stated it was never filed with the insurance company. 
I spoke with a representative at XXXX XXXX  XXXX, the billing company for XXXX XXXX, whom stated there's nothing she can do because it's been sold to a collection agency. 
Frost Arnett wants the full amount and refused to file the bill with my health insurance company, and/or reduce the amount to the contracted rate.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (CA)

After agreeing to XXXX automatic payment withdrawal from my checking account, and after paying off my credit card balance with Discover Card I received an email stating that my credit line was being reduced and that my account would be closed within 30 days of receiving the email letter. My Discover Card account was opened on XXXX XXXX, XXXX and was in good standing with the exception of XXXX 30 - 59 day late payment in XXXX XXXX. After viewing my XXXX and XXXX credit reports, I saw that Discover Card had purposely deleted XXXX years of positive credit reporting for the years XXXX, XXXX thru XXXX XXXX on XXXX credit bureau report and the years XXXX, XXXX thru XXXX XXXX on the other thereby making my credit history look much worse that it actually is, which seems to be a common practice with credit card issuers at the present time. Discover will also be reporting the reduction of my credit line shortly and will follow-up by closing the account in another 30 days thereby manipulating my FICO to be even lower. My credit card account with Discover was past due XXXX time in seven years, and I do n't see how they could possibly perceive that as a bad credit risk to them and them alone. My FICO score has been manipulated in the same way for the same time periods for multiple credit card issuers, and I will be submitted individual CFPB complaints on each and every one of them.
Consumer complaint received 2016-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SUNTRUST BANKS, INC. (NY)

I was in school for over six years, XXXX of my loans was sold to various lenders. I was never made aware of this and now 6 years later, it is the only negative thing sitting on my credit report, and almost double the original amount. The contacted the collection agency about payments or settlement and they want far above what I can afford, and almost 2 years worth of payments.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC. (CO)

I was sued by Midland Financial and they ended up getting a judgment and I paid that, via a forced payroll deduction, then they came back on another loan and were relentless in their efforts, however ; this time I fought back although it pushed me into bankruptcy once the chapter XXXX is complete I will be free of this scourge of a company. I recently read there was a judgment that the company had to refund those who were wrongfully sued. I am inquiring about that, as I have heard nothing from Midland on this, and the first loan I feel I should get the refund. 

Encore and XXXX Must Refund XXXX Dollars and Overhaul Debt Collection and Litigation Practices
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NY)

I am currently in default on my mortgage loan due to current situation. I have been trying to pursue a short sale with Fay Servicing ( loan servicer ) since last year and they are preventing me from completing the process along with XXXX XXXX ( investor ). At some point in XX/XX/XXXX the short sale was approved at {$280000.00} and the buyer was unable to close the deal due to the fact that I had squatters in my property. By the time that we were able to evict them, the approval expired and the lender did not honored the approval. In XXXX XXXX, XXXX XXXX XXXX acquired my loan and they had expressed their desire to keep the property since it is located in XXXX which a mortgage market on the rise and they rather F/C on the property to keep it and make profit. I wonder if they ever realized how much stress tis situation has caused me and my family. Do they even have any type of consideration for the customer? As anybody else, I bought this property back in XX/XX/XXXX and I never thought for a minute that I will be in this situations. The previous buyer walked and every time we get an offer, the buyers get turn down by the loan servicer ( Fey Servicing ). I know the investor makes the final decision and they do not care about me or my family, but it will be a great help for us to be consider for a short sale at a realistic market price. We have provided all kind of supporting documentation to support numbers and the investor is NOT willing to allow me to work a short sale. They are forcing us to do a deed in lieu. We have been told my XXXX XXXX XXXX ( Fey servicing - negotiator ) that the investor wants to sit on the property until the foreclosure is completed, so they can keep it, fix it and make a profit on it. I do not believe is right for an investor to do so by preventing me and my family to close this chapter. The investor ( XXXX XXXX ) is denying me the right to do a short sale. Lastly, please keep in mind that they are using a value from from XX/XX/XXXX and they are not willing to do a BPO due to the fact that they know this property is in really bad shape and they will have to sell it at a price that is lower than their expected price. The short sale was previously approved by the previous investor for {$310.00} and now the new investor is asking for {$500000.00}. My questions is if the previous investor using the same BPO approved at {$310000.00} why is the new investor using the same BPO is asking for {$500000.00}? You can tell they have their own intentions and are not willing to help our situation.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OH)

I submitted a dispute for unauthorized transactions in the amount of {$3300.00} on XX/XX/2022 for a checking account with Wells Fargo bankon XX/XX/2022 the claim was denied because the original banker made a miscommunication error and submitt d the dispute reason as transaction appeared more than once, even though I said multiple times the transactions were not authorized by me. I called and spoke with them and they said it would take days to reopen the caseIm not able to pay my bills because of their mistakes. I need my money back asap
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

I have been in " limbo '' now for 4 months with Fed Loan Servicing over the renewal of my IDR Plan ( PAYE ). I have been in the PAYE plan for roughly four years prior to this and while I did miss my re-certification date I did end up ( after XXXX applications ) finally getting one through that was in good standing to Fed Loan Servicing. I sent my online request for renewal for ( PAYE ) with an attached IRS document provided from the online service. 

I called in after receiving a letter stating I was approved for my IBR Plan confused as to why it was not PAYE. I was told by a servicing representative and a supervisor that I was indeed on PAYE for the past 4 years and they were not sure why it was placed into IBR. At one point they said the account was notated as the borrower having requested IBR that was proven false when my online application was pulled and I did indeed indicate that I wanted to " RENEW MY PREVIOUS PLAN '' - PAYE. 

I was told during the call above that the account would be looked into and my issue would be resolved. For reference my re cert date was XXXX of XXXX and it is now XXXX of XXXX. I informed the agent that I could not afford the $ XXXX+ payment monthly and that the reduced payment under PAYE was what I was able to afford and had been paying up until XXXX of XXXX. 

About three weeks later I had received no word back from Fed Loan Servicing and I had gotten a letter stating I was now ineligible for PAYE based on underlying loans in my consolidation and that is why they placed me on IBR. They then told me to go to REPAYE for a reduced payment but under REPAYE I will now have to wait an additional 5 years for loan forgiveness. I can not afford my IBR payment and feel penalized and miss informed. I was able to make my payments under PAYE for the last four years successfully and had minimal issues. Now due to miss information and bad handling of my account I am being penalized and forced to use Forbearance after Forbearance ( dating back to XXXX and capitalizing over {$7000.00} of interest ) to cover my payments while I wait for a decision to be made. 

I am not only submitting this complaint here I am also drafting a formal version to submit to PA Lawmakers and the Governor XXXX XXXX. At every stage of this process I have felt under informed and at a disadvantage from the time I was told to consolidate to qualify for the IDR programs to the moment I was told I am not longer to PAYE.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America offers co-branded credit cards with   XXXX    XXXX . They offer  XXXX  versions of the credit card with very different rewards and sign-on bonuses.     Bank of America 's application is problematic because a consumer will apply for the credit card with the better rewards/bonuses, but the bank will make the final determination of which version of the credit card the consumer will   receive.
I applied for Bank of America/  XXXX   XXXX   Signature Card. My applicati  on was approved, but Bank of America sent me the Platinum Card which provides lesser rewards/bonuses. I cancelled my card.     Bank of America should simply have  XXXX  separate applications for their  XXXX   XXXX  credit cards. I would rather be denied for the card I applied for instead of receive a card I do not want. Going through this application process is a waste of time and effort, as well as a cost imposed on m y credit score, when I can not simply apply for the card I want.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2021-06-06
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: LEXISNEXIS (NY)

Lexis Nexis illegally obtained my personal information from a 3rd party source ( XXXX ) WITHOUT MY WRITTEN CONSENT. Lexis nexus in the letter told me that my bankruptcy is public record, but that is a lie pursuant 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, which states I THE CONSUMERn decides what is private to me, and I DEEM THIS bankruptcy to be a very private matter. I feel very violated because I never gave XXXX written permission to share my information with anybody so they violated Under 15 U.S Code 1681b permissible purposes of consumer reports because I never gave you any written consent to report anything on my consumer report no consent is identity theft. I wrote a letter the the bankruptcy court and they told me that they never shared my information with the credit Bureaus and lexis nexus is blaming it on XXXX. either way it goes, they all broke the FCRA LAWS when they shared my information illegally. under FDCPA 807 misleading false reporting you can not legally report this private bankruptcy to the credit Bureaus.please remove it asap.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

i was enroll with this company XXXX XXXX XXXX and i was making payments since XX/XX/2014 i do n't know what to do or where to go, who can i call??? is there any way i can get my money back??? the money that i paid when to my loans? its so confusing if any body can explain something to me i will appreciate it Thanks a lot in advance
Consumer complaint received 2022-02-15
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. (CA)

On XX/XX/XXXX I sent a dispute to Equifax requesting a reinvestigation AND Method of Verification about the following account Fair Collection & Outsourcing dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ). Equifax just sent me automated reply without providing proof of " Method of Verification ''. I have requested Equifax method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Consumer complaint received 2016-11-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I had a lease through Lexus Financial Services ( LFS ) for a XXXX XXXX XXXX ( payments on that vehicle were made via auto-pay ). This past XXXX, I returned the XXXX vehicle and then got a new lease on a XXXX model, also financed through LFS. 
In XXXX, I made my final payment to LFS for the XXXX XXXX ( via autopay ). Also, in XXXX, my dealership ( XXXX XXXX XXXX of XXXX XXXX ) made my first payment to LFS for the XXXX XXXX. At that point, I now had only the XXXX vehicle -- NOT the XXXX vehicle. 
In XXXX, I was sent a bill from LFS for XXXX for my XXXX XXXX ( which I expected to receive ). However, they ALSO took an automatic payment for the XXXX vehicle ( XXXX ) which I no longer had. This should not have happened. 
When I called LFS, promptly, to advise them of this, they apologized for the error and told me they would either send me a check for the XXXX or they would credit my XXXX account for the XXXX. No big deal -- all was fine, as far as I was concerned. I opted to have them credit the XXXX account for XXXX. As for the remaining XXXX balance on the XXXX account ( XXXX minus XXXX ), they said that, since the amount was negligible, they would simply tack on that small balance to the next month 's bill. ( FYI, I did, the next month, make a payment reflecting an additional XXXX ). 
Unfortunately, to date, my XXXX account has still not been credited for XXXX, despite the fact that they have retained the XXXX that they never should have taken to begin with. 
I have called literally dozens of times to get this corrected -- as has my dealership -- but NOTHING seems to get fixed. They 'll tell me it 's fixed, but when I later check the account, it has n't been fixed. This week, I received YET ANOTHER bill demanding a double payment. When I call, they threaten to send me to collections. I feel like they are trying to extort money out of me and I do n't know what to do anymore. 
.
Consumer complaint received 2015-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc (MD)

This company, United Consumers , Inc. ( UCI ) @ XXXX XXXX XXXX XXXX, VA XXXX, Phone # XXXX, repeatedly robo/auto calls our home phone number trying to collect a debt on a XXXX XXXX. Recently, they have added XXXX XXXX (? ) XXXX to their calls. On XXXX/XXXX/15 I called the company and asked them to stop calling because there is no one in my family with any of these names. XXXX XXXX XXXX, from the company acknowledged my request and said they would remove our name from the call list. Yet, on XXXX/XXXX/15, we received another robo/auto call from UCI regarding XXXX XXXX.
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fairway Independent Mortgage Corporation (AL)

I did not have funds to make a full mortgage payment, so I sent a partial pay with the intent to pay the balance before the due date. A couple weeks later, I sent the balance. My total payments in the month of XXXX equaled the amount due. 
The mortgage company rejected my first partial payment, but first they cash my check and issued a check of their own back to me. I received rejection letter after I sent a check for the balance. I now have just days to figure out if they will accept the second partial payment and how much money I have to find to pay the amount due. I might have to pay additional fees to overnight a check or use the mortgage company 's telephone payment system. I was trying to make sure that the mortgage got paid, but the mortgage company is trying to make sure that I miss my XXXX payment. This is totally unfair. I should not get punished for trying to make the payment.
Consumer complaint received 2022-09-06
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. (TX)

In accordance with the Fair Credit Reporting Act has violated my rights 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 XXXX XXXX 15 USC 1681 Section 602 A 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.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I am devastated and frustrated after not able to come to a work out plan with Ocwen that will be affordable. Due to circumstances beyond my control .I had entered in to permanent loan modification in XXXX with an un paid balance of {$560000.00} This modification included a graduated interest rate and payment based on a schedule with an escrow account every month in the amount of {$1400.00}. Payments were interest only with a balloon payment at the end of 30 years..I was laid off from my job in XXXX of XXXX and shortly after I became ill and XXXX was necessary. That kept me out of work for several month. I began to default on my mortgage in XXXX. The adjusted payments became tough on us. I reached out to Ocwen for help to no success. I have provided documents requested and all they have done is pros pone and pros pone reviews to the e point that this delayed has increased the note to {$700000.00} thousand dollars. I want to keep my home. We have XXXX children to provide shelter for. Please hear me out. Refinancing as this point is not an option for I have done an appraisal and my home is worth less than what we owe. 
There are a lot of issues regarding my note which includes TILA issues.. 
I had no other choice than to request a Mortgage Fraud Investigator to complete a review of my mortgage.. 
All I really want is to keep my home for my children .Please I am really looking for an affordable mortgage.. Hope you can help me.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OK)

I schedule payments for my Citibank AAdvantage Platinum MasterCard online. I have never payed late and always pay the full amount. Last month I apparently scheduled my payment two days after it was due by mistake and incurred almost {$80.00} in fees and interest. I called and Citibank waived the interest and fees. When I went to pay the current month 's bill, however, I discovered what may have been the root of my mistake. After you select the amount you are going to pay online you select a date. When you click on the calendar to select a date there are a number of days that are in bold starting with today 's date and extending out about 9 days from today. The days after that are not in bold, even though they are within the same month and in the middle of the week. What I noticed is the last two days highlighted in bold on the calendar are past the due date for this month 's payment. I believe the bolding of dates on the calendar is a deceptive practice designed to get customers to select a date that is past the due date.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IA)

I need your support. I have XXXX credit cards issued in my name from Synchrony Bank. I am regular payee of all my debts and there has been never late payment charged. However both my account has been closed without informed me and without giving any justified reason. When called up the bank they informed me it account has been closed because of security issue. However they informed me any security reason. Also there has been no mail communication for said reason. Because of this my credit score has been degreed and these inquiry remain 2 years in my credit score. This is a mental harassment for me as I have been deprived. 

Request you to kindly help to get this sorted out with the bank.
Consumer complaint received 2017-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (LA)

I have been a long term customer with Navient. I was never afforded the opportunity to to apply for an income adjustment because I was always pushed to a deferment although I stressed I was unable to afford payment. In addition, my account suffered XXXX days past due and has affected my credit tremendously. The representative at Navient never tried to accommodate me in my best interest. Therefore, my accounts are in distress as well as myself.