davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 I filed a fraud complaint with Bank of America and received a new debit MasterCard which I didnt even activate for at least 10 days. Imagine my surprise when I signed into my account and discovered that yet another charge from the same company was charged to my account and another attempt was made yet again!! I did not give that vendor my new card number purposely as I no longer trust their security and no longer wish to do business with them. I purposely attempted to make a purchase which went through!!! I am not losing my mind YET but I am sure that I did not update payment info with them!!! So I decided to go into my account and was shocked to find mt new card number on file! I contacted Bank of America and after over two hours on the phone found out that as a COURTESY to me they give vendors your new number! I did no9t authorize it was not consulted about it, nor would I have allowed this to occur! The only way to get my money back was to file yet another complaint against the vendor! I allowed this against my better judgement because I feel whoever gave out my new information should be responsible for this charge!!! This is not a courtesy its a breach of trust rendering obtaining a new card a worthless action on my part! Who are they to hand out my financial information to anyone! I was on the phone for 3 hours with them only to be told they have no idea who does this COURTESY however they know it is done!!! I am insensnsed and so angry with the breach of trust in this institution for handing out my financial information!! I told the rep I was speaking to that I was going to contact your agency and she advised me to do just that!!!! Im sorry but I feel this can not or should not be legal!!!!!
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

For three years, I submitted the appropriate documentation to XXXX XXXX for deferment of my XXXX Loan towards cancellation. Three years in, XXXX XXXX was bought out by XXXX XXXX, and this is when I began having issues. XXXX XXXX  claimed they never received documents mailed directly to their PO BOX ( with PII ), or never received faxes. ( I faxed my documents to XXXX XXXX with zero issues for the previous three years ). Finally when the five years ended and I was able to officially cancel my loan, I was told that I didn't meet the requirements. To me, if I didn't meet the requirements, the three years of paper work with XXXX XXXX and the one worth of paperwork with Heartland  should have never been approved. The first time it was denied, I requested to speak to a supervisor and was told that supervisors did not have phones and therefore I could not talk to one. They said I could resubmit for secondary review. I wrote a letter describing why I was qualified, and provided five years worth of documentation that I had been deferred towards cancellation. Again, I was told these documents were not received, and was given an email address to send the documents to. Upon Supervisor review, I was told that my job description did not meet the requirements towards cancellation ( the same job description I had provided for the past 5 years ). If this job description was not good enough, then why was it approved towards cancellation the past five years? I again called Heartland and told them I was going to report them to the CFPB. It was then that they said " you've said one of our key phrases, you may now talk to a supervisor ''. I told them what I had been told previously about the supervisors not having phones. They said that information was incorrect. After speaking with a supervisor, I faxed additional supporting documents ( letter from my supervisor and a more detailed job description ) regarding my position, to justify it meets the loan cancellation requirements. I contacted Heartland and they stated they had received no such documents ( this same thing was told to me almost every time i submitted documents to Heartland ). I then mailed the documents and am currently waiting for them to be received and reviewed by a supervisor. Currently, this issue has NOT been resolved.
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (IN)

The apr on this Loan is over 30 %. When I called asking to refi, I was told I had to wait 2 days. When I asked if I could modify the loan I was told no and would not be able to help me. I was told to contact a different company for help, they repeated a script over and over and when I asked to speak to a supervisor they told me no and someone would call me back. No one called me back, this all happened on XX/XX/2018. They would prefer I default and file bankruptcy verses working this out with me. This is predatory lending.
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (IN)

The term of the loan was XX/XX/XXXX - XX/XX/XXXX. XX/XX/XXXX was first initial payment of {$160.00}. I have paid {$160.00} biweekly since XX/XX/XXXX and the payback totals well over {$600.00} ; which is the initial loan amount. According to XXXX contract and customer service representative, I still have another 10 payments to go. Their fees seem a little outrageous to me and how are they allowed to charge the consumer more fees. Their fees are higher and the terms are longer than the person to person payday companies. For now, I have stopped payments coming from my bank account, as it was accruing negative balances from the withdrawals of XXXX   XXXX. Depending on the outcome of this claim, if the remaining balance must be completed, it will be done on my terms and payments via mail only! will not allow them to have my bank account information anymore.I would like this company investigated for excessive fees and excessive terms of the contract.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (OR)

Initially given $ XXXX credit limit. Used {$1100.00}. Tried to make {$700.00} purchase - declined! Found out limit lowered to {$1500.00}. Was never late making payments, always paid a little more than minimum. Was never told limit lowered. Seemed unethical & illegal for them to do this.
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

The fee structure and daily interest accrual make the loan payments for the XXXX XXXX Flex Loan restrictively high. My loan balance was {$3800.00} on XX/XX/XXXX and required monthly payments totaling {$1000.00} ( 2 x {$520.00} ), and yet the principle balance was expected to reduce by only {$100.00}. I was only able to afford {$75.00} with my most recent payment on XX/XX/XXXX ( first time late ). The new minimum payment is over {$900.00} and the loan payoff has ballooned to {$4800.00} in less than two weeks. 

After calling XXXX XXXX to inquire about extended payment plans, lower interest rates, or a lower fee structure, I was informed that none of these options exist. My account would continue to accrue 279 % APR interest calculated ( and accumulated ) daily.
Consumer complaint received 2019-06-11
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. (CA)

1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a credit limit of {$7500.00} -This is not my account.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Sent Portfolio Recovery a debt validation letter on XX/XX/XXXX to validate this alleged debt or remove same from the 3 major credit reporting bureaus. They sent me back a copy of an old XXXX XXXX bill. Sent them another debt validation letter on XX/XX/XXXX again asking them validate the debt or remove the item from the 3 major credit reporting bureaus. I received a letter dated XX/XX/XXXX stating claiming they had already sent a Universal Data Form electronically requesting them to delete XXXX, XXXX 's trade line for this account from my credit report to the 3 major credit reporting bureaus. As of XX/XX/XXXX this item still remains on my credit file with the 3 major credit reporting bureaus, XXXX, XXXX and XXXX. I have sent a copy of Portfolio 's letter to these credit reporting bureaus.
Consumer complaint received 2021-03-03
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: Source Receivables Management LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (FL)

Multiple agents hung up on me Manager got on the phone telling me there is no way to contact compliance, and that there was no compliance department. 
Stated she handled all compliance. Hung up the phone on me. She also stated that the account was going to be reported to my credit and there was nothing I could do about it. 
Called again months later team Leader hung up on me because he didnt want to talk to me. Also last agent I spoke to bribed me to pay the bill by pay for deletion. I was told only if I paid the bill same day XX/XX/2023 that they would delete it, I asked for a settlement and they told me if I took a settlement that it would not be deleted from the credit bureau.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

I am not liable for this debt and I do not have a contract with XXXXXXXX XXXX-XXXX  plus they did not provide me with the original application like I asked. 
Account No:XXXX Amount Disputed : {$100.00}
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

After a 30 day late payment last XXXX, XXXX XXXX XXXX continually updates the loan balance incorrectly. I have disputed the incorrect balance with the mortgage company, and with all 3 credit bureaus.
Consumer complaint received 2018-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

My loan was as of XX/XX/XXXX was at {$9500.00} ( for XXXX in XXXX FL, was not listed ). My monthly payment due was {$67.00}. Every month to date I send in {$100.00}, and payment has been received on time since XX/XX/XXXX. 

Last week when logging in to my account I noticed my balance is now {$12000.00}. 

When I called to find out why my loan amount had went up, they told me that my interest capitalized do to not renewing my deferment plan. 

However I was also told it was time to renew again due in XXXX. 

So I stood confused as of to how did I get on a new deferment if it had ended. 

The deferment was for the XXXX so shouldn't my monthly payment have just increased to the regular amount had that been the case, being that I send more monthly? 

No one seemed to be able to answer my questions clearly.
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX XXXX XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

On XX/XX/XXXX, I reached out to Great Lakes to request a refund of a payment in the amount of {$16000.00} which had been remitted XX/XX/XXXX. The representative advised that there was a backlog due to the XXXX loan forgiveness announcement and that it would take 30-45 days to process. On XX/XX/XXXX ( 44 days later ) after not seeing any activity on my Great Lakes account nor a deposit to my bank account, I called to follow up. The representative said that she could see where I called in, yet there was no refund request on my account. She promptly submitted another refund request but was unable to provide any receipt or confirmation. She then advised that the new timeline to process was 60-75 days. This is causing an unacceptable burden that has financial implications.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (PA)

PENN CREDIT CORPORATION is a collections account that appears on my credit report even after I paid it off and they refuse to remove the paid collection from my credit report even tho they got me to agree to a settle and delete. the only reason i paid it is because the representative from Penn credit said he would take the account off of my credit report if i agreed to pay him and i did but now the account a year and a half later is still onn my credit report as a derogatory mark and it is affecting me buying my first home and when i called they told me they don't remove the account and that the gentleman that i paid to pay the account off lied to me and that i was out of luck. 

this is a violation of my rights as a consumer and my credit is being harmed even after paying a debt in full.
Consumer complaint received 2020-07-16
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

I filed for bankruptcy on XX/XX/18, I was told not to pay Wells Fargo auto loan during the bankruptcy process until we were notified if the reaffirmation would be accepted with Wells Fargo. I never received any documentation or information from Wells Fargo bankruptcy dept nor did my attorney so four months passed & on XXXX of 2018 my bankruptcy was discharged. I Called Wells Fargo to get information as what to do with my auto loan weather to surrender the vehicle or continue the payments beginning XXXX of 2018, I was informed I could keep the vehicle & that my payments would remain the same so I began making my payments on XX/XX/2018 as detailed on the transaction history page 1/1. I made my payments at the branch monthly through XX/XX/2018. When the month of XX/XX/2018 began my vehicle was repossessed I couldnt understand why I had made my payments every month after my bankruptcy discharge date I was at a loss, when I inquired I was told that I owed for the months of XXXX thru XXXX of 2018 I explained that I was informed by my attorney & there bankruptcy dept that no payments are due during the bankruptcy process until the discharge is complete and a reaffirmation has been accepted by both parties. Nonetheless my credit report shows no information during the months of XXXX, XXXX, XXXX, XX/XX/2018 because I was in bankruptcy & my credit file shows no payments made for XXXX thru XX/XX/2018 which is false the transaction history shows my payments received
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (GA)

I refinanced my home and the mortgage was paid off on XX/XX/2023 and they withdrew another monthly payment from my account on XX/XX/2023 and by law they have 20 business days for me to receive a refund and it's going on 2 months and I just keep getting the run around from the mortgage company and they keep saying give it another day or until the end of the week and I have still not received it and they say they can start the process all over again but I should not have to wait another 2 months for money they should have never took from my account in the first place. I recommend that people don't do automatic drafts if banks can take your money and have no consequences on not refunding it by what the law states I just want my money back I have bills to pay but they should have to pay interest on it for every day past the day I suppose to receive it.
Consumer complaint received 2022-05-02
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. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under TRANSUNION and XXXX XXXX XXXX XXXXXXXX 120 days late in XX/XX/2018, XX/XX/2018, XX/XX/2018 You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc. (NY)

I called National Credit Services everyday because I am trying to get in a loan rehab. They keep telling me that they no longer have my account and that the board of Ed do. Call the board of Ed and they keep telling me that they dont have it and that NCS has it. Overall no one seems to help and cant find me and its ridiculous
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has been an issue since Ive gotten their service. I complained to them in writing three times & then twice to the credit bureaus. 

They are saying that i made a late payment in XXXX. I disputed this late payment, they then moved it to XXXX on XXXX and TransUnion but on XXXX reported it indeed XXXX. Making it look like two late payments. 

They also have the wrong number of debt owed. They are reporting my balance {$800.00} more then i owe & i make my payments on time every month.
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

I took out a small XXXX loan from this company in XX/XX/XXXX for XXXX work. They charged my XXXX XXXX   account automatically every month for 3 years. They were always paid on time because it was automatically drafted. When I found they were still charging me well after it was paid off I contacted them and they did it again. Then i submitted the bank statements for 3 years to them and their accounting department that was located in another state. Supervisors worked on my file, apologized and promised me repeatedly, that they would send the message to stop reporting negatively on my creidt report and I did in fact have a zero balance.They would because my bank statements proved i was never even late yet this company kept calling and reporting me late. They finally stopped calling but its still reporting late, chargeoff and it should not be. I paid this on time in full for 3 years. If anything they actually owe me money because I overpaid for months and didnt even realize it. 

Account Name SYNCB/CARE CREDIT Account Number XXXX Account Type Charge Card Date Opened XX/XX/XXXX Status Closed. {$1000.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} Terms NA