davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NV)

I have set up auto debit 3 times now with correct and accurate information, and it has been rejected leaving me with late payments and automatic enrollment in forbearance. I was told the forbearance can not be reversed. I do not need a forbearance nor have a asked for one I am able and willing to pay my monthly balance.
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (MN)

I cosigned a loan for a family member back in XX/XX/2014, am XXXX and ca n't pay ( my income was noted on the original application. Said student dropped out of college, took the money and is now in hiding and is unreachable. Got original loan through XXXX ( predatory loan approval ) Now I am being harassed by auto-dialer through Sallie Mae, who the loan went to for the college attended. They call 3+ times per day, fill up my voicemail inbox with robot messages. I recently had to put an app on my cell phone so that when they call, it hangs up and does n't go to voicemail. I SORT OF got peace of mind back, but the app makes a call log so I still have proof they are still calling, even on Saturdays and Sundays! I feel they have no right to do this to me. They have also told me there are " other accounts '' open in my name ( which I found out they lied to me ) and also have been threatening to take things from me ( I have no car or house so not worried about that ), threatening me with jail time, and saying they will take me to court every 6 months to prove my XXXX/income exemptions. They are also letting me know that I will go into charge off at the end of the month. They REFUSE to let me off the phone until EVERY PENNY of exempt income is accounted for, even food stamps! I tried to let them know I was taken advantage of at every step, and that since they ca n't get a hold of the student, they come after me. Student is refusing to take responsibility and at least try to pay {$10.00} a month to show good faith, but is refusing any responsibility for the lies of being able to pay this all back and I have nothing to worry about. THE WORST HAPPENED that was promised not to happen.
Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AL)

Ally is a ripoff. My account was not showing for almost a year due to a total loss. when it did come back up it was wrong. Ally has token XXXX from me and this is only 36 months. I owe XXXX on a 72 month agreement.
Consumer complaint received 2015-08-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (DC)

I was cheated by BB & T and the XXXX could not handle the case and I am asking your help. I had a previous case ( XXXX ) opened and was asked to open another case with updated information. 
My first savings account was from XXXX XXXX XXXX Bank opened in 1996. The bank was taken over by BB & T. I decided to let go of my high pay job and went to XXXX. I wanted to close my savings account and I had plenty of Money in the checking account. The teller at a XXXX Branch told me not to close the savings account because if I had sufficient fund in the checking account there will not be any fees. I did not have that in writing, because I was banking with BB & T for many years. After XXXX months I found out that there is a monthly service charge of {$7.00} on a dormant account. I questioned the charges and they refuse to refund the money. When I went to close the account, they asked me to bring lots of ID to reactivate the account in person. Later I got a mail notice saying my account is active and please call to deactivate the account. I asked the manager saying if I was dead, would the money be depleted through service charges without letting my relatives know about the account and she said yes. She could not find any means to refund the money. BBT did not mail me nor have sent me notification regarding monthly statements. I contacted XXXX, and their complain office for BB & T is in XXXX, the same office of the BB & T head quarters. They did not intervene on my case, but acted as a medium for communication. When I tried to contact XXXX by writing I did not get any response. So please help. I have all documents and proofs. BB & T only refunded XXXX of the service charges and refused to refund the other half. 
Few things : If a customer dies, there is no written notice to the client or relatives regarding the balance in the bank. 
Second, The meaning of " BANK '' for savings is no longer applicable in BB & T because their business practices does not allow written notification regarding dormant accounts. 
Third the term " dormant '' is unfairly one way. I can not as an account holder withdraw the money without ID, but the bank can enjoy deducting money till it is empty. When I went to activate it. they need all the ID and they wanted me in person. 
Please help. 

Attached are BBT 's response for the previous case. They have attached the statements, but it was not sent electronically nor have there any alerts regarding monthly statements sent to me. BBT does not want to take responsibility for their errors but refuses to refund charges from my hard earned savings account. 
BBT also responds that Bank has the power to change anything without notice.
Consumer complaint received 2015-11-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (AZ)

I purchased some furniture around XXXX of 2015 and it was financed by Synchrony Financial. Since the loan was taken out I have been making double payments to get the loan paid off. In XXXX my computer went down and while I was shopping for a new computer and setting it up I received a communication from Synchrony Bank which reflected a {$25.00} late charge because I had not made my payment by a certain date in XXXX. How can I be regarded as late when my payoff is ahead of the game. As soon as my computer was back online in XXXX I transferred the double payment for XXXX to Synchrony Financial via bank payment. I then contacted them by phone and the person I spoke to was very unwilling to reverse the late charge until I mentioned I was going to report the action to the FTC. I was then told I could request a waiver of the late charge which I asked her to do. I do not feel confident that this happened or will happen at this point because of the attitude of the telephone contact. I do not think it is right or legal for a company to charge a late payment charge when XXXX is ahead of the game on payments.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (AZ)

XX/XX/2017 Mailed check to Old Navy/Synchrony Bank to pay balance of account. Check posted XX/XX/2017. XX/XX/2017 Rec 'd past due notice for {$230.00}. Conducted chat line chat with no resolution. Chat rep claimed my check returned NSF. I called my bank. Check never processed through them, not posted to my account, and nothing on my account returned. In subsequent calls Old Navy/Synchrony communicated the check was actually returned " uncollected funds '' & it 's between me and my bank. They also said they could n't provide a copy of the front and back of check and would not return the check to me. My bank ca n't track without that information. A chat rep also asked me to send them my bank statement showing that I have the funds available in my account and they would look into it. I refused! On XX/XX/2017, requested # for a Manager. I was transferred. Again, Manager stated they ca n't return or send a copy of the check to me. Meanwhile, I am showing past due, delinquent and owing over {$7000.00} which I paid on XX/XX/2017 with Old Navy/Synchrony Bank still saying it 's my bank 's fault. Today I am sending a cashiers check for the original balance due by Priority Mail. I requested they remove all late fees/NSF fees/additional interest. Manager said they ca n't do that. Thank you.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (TN)

I am a XXXX veteran, I do n't expect any special treatment for that but I want to let both you and anyone else know who may have a Barclaycard account or may be considering it just how they are. I have attached a history sheet with my own personal encounters with this company and I hope you provide some way to download it. Long story short I have been with this company since XX/XX/XXXX I started out with a XXXX credit line it was increased in XX/XX/XXXX to XXXX this only lasted 9 short months at which time in XX/XX/XXXX this line of credit was decreased after the card was paid in full to XXXX this affected my credit score they could not provide me with any reasonable for this action from the period XX/XX/XXXX thru XX/XX/XXXX they received a total of XXXX in payments from me. Again in XX/XX/XXXX the credit line was reduced now to XXXX and again after talking with them they were not able to provide me with a logical explination. This action again affected my credit score. They referred to XXXX Report as to their reasons my report reflects a XXXX score with XXXX accounts all on time payments and XXXX of them are paid in full.??? also my min payment due this month was XXXX they received a XXXX payment processed thru my bank on XXXX as instructed by me this is within their billing cycle but they are still insisting that the minimum payment is still due so this is not the first time this has occurred either can you see a pattern I can. These people should not be able to operate this way and get away with it if myself and my fellow veterans acted this way XXXX. I do n't know if you can do anything but I can hope you get a better resouloution than I did
Consumer complaint received 2015-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (SD)

I opened an account at the PNC Bank XXXX XXXX, 2015. I received a document showing a Routing number of XXXX, a {$25.00} deposit into a Virtual Wallet Account and a confirmation number XXXX. I called PNC, at XXXX about not having received an account number. They could not find my account using the confirmation number or my social security number. They have {$25.00} that was used as the initial deposit.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I started dispute processes with XXXX, XXXX, and Equifax to dispute the 16 open XXXX XXXX accounts that were still showing as open since XX/XX/2022, although my loans were transferred to XXXX starting in XX/XX/2022. XXXX is showing my loans as consolidated on all three credit bureau 's, which is correct. My issue is with XXXX XXXX who's loan transferring process is inadequate as they have failed to properly update my credit reports with the three credit bureau 's. I called XXXX XXXX in mid XXXX prior to XX/XX/XXXX and requested they correct this information as it should have been done after transferring my loans to XXXX. XXXX XXXX has a very time consuming process of printing a form to correct credit issues and mailing it back. This should have been done as apart of the loan transfer process. So I decided to go directly through the credit bureau 's for a faster result, XXXX and XXXX have properly updated my credit report to XXXX  out the balances with XXXX XXXX and closed the accounts. Equifax has failed to correct my credit report because XXXX XXXX is reporting to them that I still have a balance with them and that the account is still open, this is false, although my XXXX XXXX website dashboard shows loan balance as {$0.00}, XXXX XXXX is still reporting inaccurate information as if my student loans are still held by them and their not.
Consumer complaint received 2017-04-28
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (MI)

In  XXXX  of   XXXX  , a company called General Revenue Corporation, with their representative  XXXX   XXXX  in New York using the number  XXXX , has called more than 25 people in regards to my student loans. He has told them my phone number, where I live, and where I work. Some of the people did contact me and told me exactly the questions that were asked. He contacted my ex-husband and gave him this information. My life is now at risk!! He has been contacting people in my husband 's family whom I have never even heard of or know. He has also called my work number and has left messages with our administrative team. Questions he asks are "  Does  she still live at  XXXX ? '' Is her number still  XXXX ? Does she still work at  XXXX ? ''  XXXX  has called people I have n't worked with in years and has been giving them my information.
Consumer complaint received 2015-04-13
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I got scammed using PayPal. I made a request on XXXX for concert tickets. I was texted by someone who offered me 4 tickets for {$130.00}. I accepted and they gave me their email to wire the money to saying that they would send the tickets electronically to my email. They never sent the tickets but accepted the money I sent. They stopped answering my text messages too.
Consumer complaint received 2023-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I had an ATT  account for internet only that was placed on hold in XX/XX/XXXX due to having to move aburptly. ATT  described the hold as having a small payment ( approximately {$17.00} ) until I could install the internet in my new location. I moved into my new location in XX/XX/XXXX after living in hotels and my car. I moved to an area and an apartment that ATT  did not service. ATT  advised me that they did not service that area therefore I returned their equipment but continued to be charged until XX/XX/XXXX. I spoke to approximately 3 representatives and a fraud manager but found this account in collections for {$100.00} for the months that I had XXXX internet and was paying for XXXX internet from XX/XX/XXXX until XX/XX/XXXX. I began to receive calls for debt collections in XX/XX/XXXX and found these charges on my XXXX XXXX  report from I C Systems on behalf of ATTXXXX for {$100.00}. These charges were disputed at least 3 times and resolved. Recently, charges have appeared again from XXXX XXXX XXXX on behalf of 11 ATT for {$100.00} for an account opened in XX/XX/XXXX. Completely not true. I had XXXX internet service at that time and never opened any other account with ATT. I have filed another dispute resolution in XX/XX/XXXX.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$640.00} past due as of XXXX XXXX. Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : XXXX XXXX XXXX XXXX Tv was taken off my credit once ) XXXX. When I XXXX came to XXXX we lived in XXXX at XXXX XXXX XXXX south XXXX. This company is a scam fest. I had XXXX XXXX but was always paid on time. If they would have checked my original drivers license they would see that my XXXX XXXX had my XXXX drivers license on it because we bought a car XXXX XXXX new ) and used the XXXX address on the license. If the would have checked the XXXX they would have seen that. Our port of entry was XXXX XXXX and is why we were there. We stayed at my XXXX house XXXX XXXX XXXX for XXXX weeks before I got license and then could travel. 
I have paid all my bills on time and these people are XXXX that just threaten your credit to make you give them money. 
XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Creditor : XXXX XXXX. 






Address Identification Number : XXXX : Collection account. {$640.00} past due as of XXXX XXXX. 



Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 





Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : IndividualCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX have lived in XXXX since the end of XXXX and do not appreciate their slandering meCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX XXXX History : Collection as of XXXX XXXX
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (NY)

Received a phone call from IC System on  XXXX / XXXX / 2017  at  XXXX  EST.   They said they were calling about a " personal matter '' and asked me to confirm the address they have on file.   I asked them twice to explain what they were calling about, but they refused to provide more details and hung up.   My research indicates they are a debt collection company, but I have no idea what debt they were calling about since they hung up so fast. Now I am worried that my  credit score will get hurt.
Consumer complaint received 2016-06-11
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (ND)

I have had a credit card with Discover Card since XXXX. My husband was laid off. During that time Discover worked with us and we completed a 12 month program. After the program was completed they offered me a settlement on of around {$5500.00} on a {$12000.00} balance but said they would revoke my card. I have been working hard to reestablish my credit and did not want to have them revoke my card. A few months later ( XXXX ) after selling my home I was able to pay the balance of the credit card in full. I received a letter dated XXXX XXXX, XXXX, after paying the balance in full, I received a letter from Discover Card stating they had revoked my credit. I called and no one was willing to reinstate my credit card or remove the derogatory item from my credit. I could have closed the account myself an avoided having the " revoked '' listing on the cc or I could have settled and had the same result and saved myself {$8000.00}. I would like them to either reopen the account or remove the derogatory information.
Consumer complaint received 2015-11-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (MI)

I have a outstanding credit card dept. My wife established the debt. My name is the Primary Card Holder listed on the account. I do not think that that should be the case. I cancelled the discover card many years ago with the statement that I will not ever use them again.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (OR)

We did an equity loan on our home to pay down our credit card debt. My wife and I have combined 35 years of business with Discover but, when the XXXX manager checked the box, WITHOUT us knowing, to pay our card and then close the account. This was done without our permission. Discover closed our account, which since 1996 we 've never been late nor have we missed a payment. Even though the branch XXXX at XXXX wrote a letter stating it was a mistake, checking the box to pay and close our account, Discover refuses to reverse this error and reopen our account.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (FL)

Discover card closed my account, refused to take payments from me, transferred the account to a collection agency alleging that a credit consolidator had approached them regarding my account, and finally reported the account as delinquent to credit reporting bureaus. 
I have never used a credit consolidator, and have not asked anyone else to contact Discover card on my behalf. 
After approx. 6 months Discover identified the name the credit consolidator they allege is representing me. I called the credit consolidator, who confirmed that they have never heard of me, have never represented me, and have never contacted Discover on my behalf. 
False negative reports by Discover have seriously damaged my credit rating, to the point that I was no longer able to secure a pre-approved mortgage.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (TX)

I was approved for a credit limit of {$1400.00}. As of XXXX XXXX th 2015 I received a message stating that my credit limit had decreased to {$640.00}. I had a debt ratio over 50 % and have made payments on time for the short period I have had the credit card. Now this will reflect on my credit score as debt to ratio of 99 % of my credit limit used. I have a statement showing now - {$51.00} due to this decreases not to mention the impact it will have once it reports to the credit bereaus. I find this type of act to be very harsh considering I just received a credit limit increase on my XXXX bank card. This practice should be illegal.
Consumer complaint received 2016-08-08
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CA)

I called Discover Bank to inquire about closing a Certificate of Deposit and the security representative asked me several " security '' questions about people I do n't know that are related to my ex-husband ( divorced 25 years ago ) but not to me. When I could not answer these questions they froze my accounts without telling me they were doing so. They did not send any notification to me by mail or e-mail that my accounts had been frozen or any notification that they suspected my accounts or security information had been compromised or that anyone had inquired about my accounts. So if someone really had tried to access my account, I would have never heard about it. They told me these questions were taken from Public Records. Presumably they are getting random information from web sites like XXXX and XXXX and using these for security. None of the questions were questions that I had set up as private security questions when I opened the account. Basically it seems to me that anyone who acquires public records information from one of these web sites can get access to your bank accounts at this bank. After some significant inconvenience, I was finally able to get my money, but I will not bank with Discover again since their security is extremely questionable if not downright fraudulent. I 've read that mining of public records data by banks is common practice now. I think this makes our money less secure, not more secure and is of no service to the customer.