davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

This issue has happened to me multiple times in which I was charged interest on a XXXX credit card account that had a remaining balance of XXXX dollars. I find out about the interest months after because I receive letter stating that they ( XXXX ) are trying to charge me interest on the interest that originally charged me for when I had a remaining balance of XXXX dollars. And when I called to tell them about it, sometimes they tell me that its my fault because it was interest on the pervious month. I try to explain to them that how is that possible if I did n't have a balance to even get charged interest. I even went as far as explaining to them about how interest is calculated and even gave them an example explaining that no matter the interest that I had XXXX times any interest is still XXXX. Recently I had to call again to the XXXX Credit Card service because the same issue happened in which I was being charged interest again for having a remaining balance of zero. I asked they and they said because I paid my balance off in two separate transactions, one was paid a little under 3 weeks before and the other a week before my payment was due, that 's why I was being charged. I told them how is possible if the balance was still zero a week prior to the end of the billing cycle. The solution that they gave me was to pay in a single transaction. To me that 's not a solution because it should n't matter how many times a payment is made if the balance is XXXX then no interest should have been carded.
Consumer complaint received 2016-10-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (FL)

I have a account that should had never been put on my credit reports I applied for assistance threw the hospital and was approved. because I was on public assistance at the time and the hospital told me I was approved. and the bill would be paid threw the hospital.
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (NV)

In XXXX, 2012 when I moved to my current apartment, I contracted with XXXX to provide me TV and internet service. When the tech came to my apartment to install the dish, he told me they could not provide service because they could not see their satellite. I understood and contracted with my local cable company to provide service. I received a bill from XXXX shortly after this and I called them to explain the situation and they said they would cancel the bill. I never received a bill XXXX ( the internet provider ) so I assumed that their service was also cancelled. About six months later I got a phone call from a collection agency telling me that I owed XXXX {$440.00} and they were attempting to collect it. I explained to them that I did not owe these charges and that I never received a bill XXXX. I have not to this day ever received a bill from XXXX and that if I had I would have dealt with the issue at the time and it never would have gotten to this stage. The collection agency has placed a collections item on my otherwise impeccable credit report and I would like to have it removed.
Consumer complaint received 2022-09-04
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (WA)

Currently leasing a XXXX XXXX XXXX XXXX  from Hyundai paying $ XXXX. Requested registration transfer from NY to WA Issue : It has not been done as of XX/XX/2021 XXXX XXXXrequested Title transfer and Power of Attorney from Hyundai website . Website states it takes 6-8wks. Also faxed request from WA state DMV office. Spoke to some agents over the phone during that time who had told me to fax and complete the online document. Checked in over the phone by calling Hyundai motor finance ( HMF ) starting XX/XX/XXXX. The agent i spoke to said it would be done by the XXXX. Called on the XXXX and the agent said that it is an absurd long wait and escalated my case to the Titles department. She said she sent an email. Gave me an escalation # XXXX. Told me it would be done by the end of the week. Called the next Tuesday on the XXXX. Spoke to a regular agent and a special agent who sent another email to the titles department. Said i should receive an email with the XXXX tracking number for the documents in 5 business days. Called on the XXXX. Spoke to a regular agent and then a special agent who said they would send an email to the titles department and it should be done in 10 business days. Called Hyundai consumer affairs on the XXXX to complain about HMF but i was told by the agent that they would call me back after speaking to HMF. Have yet to hear back. Spoke to at least 3 agents at HMF in the XXXX. I was told there's nothing they can do-even when i requested a manager. They also said they can't provide me with a log of the case ( they never send emails for confirmation or updates after any call ). Called HMF on the XXXX who gave me these emails : XXXX and XXXX. She told me to send my account #, vin, contact information, state i am requesting a title and POA and where to mail it to. Sent the email at XXXX on the XXXX. Have yet to receive word about whether they received the email of if they are working on it. I am unable to drive the car and i am currently paying parking for the car as well as the monthly lease
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with XXXX, XXXX, and Equifax. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I contacted all 3 credit reporting agencies after discovering possible identity theft. Equifax refused to place a freeze because I may have answered a question wrong. No problem with XXXX XXXX or XXXX.
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (SC)

On XX/XX/2019 I when to XXXX XXXX XXXX to purchase a sofa, they were having a XXXX of XXXX sale. 

My friend accompanied me to help make a selection, she was included on the communications that took place with the sales man, him and the other sales personnel were not very helpful and summed to be annoyed by our presence. 

I make enough money to purchase the sofa out right, I was offered 6 months no interest if paid in full. I planned to pay for the purchase before the 6 months which I did. 

XXXX XXXX XXXX had me fill out a credit application via their computer. 

The sofa I purchased was on sale from XXXX dollars to XXXX. I thought the amount was odd, but the salesman confirmed it and the paper work showed a balance due of XXXX. 

The American First Finance had stipulations that the first payments had to be via bank draft, I felt comfortable about it, because I knew I was going to pay it off quickly. WHICH I DID. 

Before my last payment I contacted the company and they had and additional amount, they claim it was for taxes. I told them that taxes are paid and are suppose to be included with the purchase price. I asked them where was this company located, he said XXXX. I told them that I was not going to pay anything more than the purchase price and I have and will not. 

The next day I stopped the bank draft, cost XXXX. I send them a money order with a notation of my original balance, the payments made and the balance, which was what the money order was made for. They received it they cashed them. 

I also contacted XXXX XXXX XXXX 's Corporate office via email from their website. I've contacted them by phone, to this date they never contacted me. I've spoken to management at their furniture. THEY FEEL THEIR INVOLVING ME WITH A PURCHASE SCAMM IS NOT THEIR PROBLEM. AS FAR AS I AM CONCERN AMERICAN FINANCE IS RUN BY CRIMINALS AND XXXX XXXX   MADE THAT POSSIBLE
Consumer complaint received 2016-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC. (MA)

I contacted First Niagara by secure message on XXXX/XXXX/2016 and requested that my checking account be closed. I knew there was an " Early Account Closing Fee '' of {$25.00}, so I left exactly that amount of money remaining in the account. For unknown reasons, First Niagara did not close my account as requested. As a result, they charged me monthly service charges in the amount of {$15.00} starting on XXXX/XXXX/2016. My account now has a negative balance and has still not been closed.
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

I am being sued by Midland Funding LLC for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in  XXXX   XXXX  TX case #  XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to  XXXX . This debt was charged off by  XXXX   XXXX  in  XXXX    XXXX  .
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OR)

Was constantly told I had to pay a high monthly payment or my pay would be garnished. Offered no reduced or affordable payment. Accrued massive interest and was constantly called and harassed by loan company. Could not repay after graduation. XXXXNavient.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (NV)

I am being denied access to an itemized credit card statement by Target Redcard, which I need for tax purposes. Both paper and electronic statements simply list " transaction '' and the total amount spent rather than the individual items. I was told by customer service that they can not provide me with the itemized statements although I can inquire about a particular purchase, which is unhelpful to me for tax purposes. Do I have a right to an itemized statement?
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am on unemployment and my husband is unemployed as well. My unemployment payout is not as predictable as a paycheck and therefore I have sustained a number of {$35.00} overdraft fees. Bank of America did refund some and I am working on getting my auto pay accounts deactivated but I have XXXX {$35.00} overdraft fees I still need refunded. The {$35.00} fees are for items some of which were under {$10.00}. Due to this I have {$95.00} to live on until next week. It will go for groceries. 
My complaint is that my unemployment deposit covered the items the bank paid the night before so it was a matter of hours. I could understand XXXX fee but they are causing more hardship than I already had financially. 

Please see if you can help me with this. 
Thank you in advance!
Consumer complaint received 2020-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (LA)

last month made a payment bringing my total amount owed on my loans to {$160000.00}. Since that time my amount owed has increased to {$160000.00}. Navient has no information in any of the loan accounts documenting where that increase in the amount I owe came from. I have not taken any new loans from navient.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

In 2013 the XXXX of XXXX airport, XXXX, seized my mobile home park and all the houses in it. XXXX relocated the residents under eminent domain. I still owed $ XXXX on my mobile home. XXXX settled that account with the mortgage holder, GreenTree ( now DITECH ). I had nothing to do with that transaction. I continued to make my payments to GreenTree on time during the transition from XXXX address to another. I now learn that DITECH is making " derogatory '' reports at XXXX and XXXX, stating that the account has been settled for less than the agreed upon sum. That sum had nothing to do with me ; this is between GreenTree and XXXX, the entity with who they made the agreement. As a displaced person I had no say and no choice in any part of the payoff process. I want that negative mark removed from my credit reports, or some addendum to eliminate any suggestion that I changed course while under contract with GreenTree/DITECH.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (MN)

I applied for the Chase XXXX XXXX credit card which was opened on XXXX XXXX. As part of this account opening I was to receive a {$300.00} travel credit for each calendar year which must be included on in your last billing cycle for that year. On XXXX XXXX and XXXX I made travel related purchases to ensure I received the full benefit. Chase decided to only reimburse me for the purchase on the XXXX informing me they has predetermined my close date would be the XXXX. This was not documented anywhere on the opening credit card documentation, and was not available to me on their website. I was not informed of this close date until after my purchases had been made resulting in a loss of {$130.00}. Considering the card has a {$450.00} annual fee this was not desirable. When I called to report, Chase agreed with me that the information was not published online or in my opening documents but would not reimburse me saying their system did not allow for them to correct this and that they would be doing nothing else to correct my situation. It was very disappointing how they acknowledged their own system limitations but were not willing to address the situation to make it right.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have had a Bank of America account for approximately 30 yrs they started charging XXXX per month for servicing checking, savings account. At the time I had XXXX accounts with them, I was extremely concerned they were taking XXXX per month for my accounts. I closed XXXX account and the rep told me if I I made a direct deposited XXXX per month into that account I would not receive a fee for that account. I started to make the direct deposit every pay period which is biweekly totaling XXXX per month. I checked my account and it was showing fees of XXXX per month for the account totaling XXXX in fees after I did what they advised me. Calling Bank of America the rep informed me it has to be XXXX deposit totaling XXXX to not receive the XXXX fee. This is stealing my money. This is absolutely usury and I am disgusted with the business practices of BofA. My XXXX Banking account does n't charge me fee.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX / XXXX / {$270000.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors f
ailure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

My mortgage holder is Caliber Home loans. In 2015 l made mortgage modification. According to my mortgage modification agreement with Caliber Home Loans l have to pay my premium, interest and Home Owners Association fee to Caliber Home loans and they have to pay my HOA fee to XXXX ( my home owners association ), every month. By some reason Caliber do n't pay regularly. As a result of this I have big problem with my HOA. They want to cancel my occupancy agreement. All attempts to get in touch with Caliber Home Loans officials does not have any results.
Consumer complaint received 2016-03-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A. (CA)

A company called " XXXX XXXX '' or " XXXX XXXX XXXX '' said they are trying to collect on a credit card debt with a bank I do n't recall opening. I have not received any notice of any collections attempt and I am current on all my payments for every debt. They threatened jail time if I did n't resolve the matter. They knew my address and the last XXXX of my social security number so I gave them my credit card number to settle the debt. But I did a XXXX search on " XXXX XXXX '' or " XXXX XXXX XXXX '' and nothing came up, which made me suspect this is a scam. Even the website they gave me does n't work : XXXX
Consumer complaint received 2022-09-04
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. (CA)

The following lenders have accounts opened under my name without my consent. The address they have on file for me doesn't even correlate with my home address. I am a victim of identity fraud, I have filed an FTC report and filed a police report. I am demanding the following listed lenders update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act section 609. 
XXXX XXXX Opened XXXX XXXX in amount of {$2200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX in amount of {$950.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$710.00} XXXX XXXX XXXX  Opened XX/XX/XXXX in amount of {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX in amount of {$590.00} XXXX XXXX XXXX  Opened XXXX XXXX in amount of {$330.00} Below I have attached my identity theft report that contains additional creditors who also have unlawfully opened accounts under my name.
Consumer complaint received 2020-01-18
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: Exeter Finance, LLC. (NY)

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Consumer complaint received 2020-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was contacted by Portfolio Recovery Associates LLC. They claim I owe them {$3500.00}. 
I sent two letters certified mail. One on XX/XX/2020 and the other on XX/XX/2020, requesting this company send me validation of the debt. I included a copy of my photo identification as well as a copy of my social security card. I asked them to send me validation of the debt and asked them not to contact me anymore if they did not furnish me with the necessary information. To my dismay, they did not send me any validation, however they continued to send me letters confirming they were in receipt of my correspondence and wanted me to furnish them with my contact information and reason I was reaching out to them. I did that twice and they disregarded both letters I sent certified mail. 
I also disputed this debt with the credit bureaus and was told by them they validated the debt and the negative information would continue on my records. How can the debt be validated by the credit bureaus when the company refused to validate it with me ; and after I requested validation twice, by certified mail?