davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2020-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I have been sending documents to Navient on behalf of my loan discharge. I was told that I qualify for a loan discharge for ( ability to benefit and disqualifying status ) from a customer service representative from Navient after explaining that I have not been able to find employment due to having a criminal background. When I first submitted my application back in XXXX of XXXX, it was denied due to not having the State of CT statues that states the type of employment that you are not able to have due to having a criminal record. I re-submitted these documents days later with the statues attached. I was contacted by Navient and told that my application for discharge was denied due to not having the documents showing my criminal record before my loans were XXXX. I then submitted these documents to Navient in XXXX of XXXX. In XXXX of XXXX, I was told that my loan discharge was denied because I needed proof that the school was made aware that I had a criminal background before my loans were XXXX. I submitted a letter from the Associate Dean of the University of XXXX, that was written on my behalf for a pardon that I was applying for. I was again, denied because it did not state that the school was made aware that I had a criminal background before starting the program. I contacted the University of XXXX and received a letter in writing from the Associate Dean, stating that in XXXX of XXXX I notified the school of having a criminal background before starting in XXXX of XXXX. I uploaded this required letter to Navient in XXXX of XXXX. I was contacted by a supervisor and was told that the discharge was again denied and that I would need letters from jobs that I applied for, showing that I have been turned down for employment because of my criminal background. I contacted over XXXX human resource offices for past jobs since the completion of my degree and was told that, " I would not be able to obtain this information, because it is only kept in the system for 30 days. '' I have not found a job and was told by the University of XXXX that they assist with job employment resources to help find employment upon completion of the degree program. I have not been able to find employment due to having a criminal background, I obtained a XXXX XXXX in XXXX. I have a debt that I am not able to pay because I can not obtain employment due to having a criminal record. My discharge has been denied 8 times by Navient, I promptly submit the documents that have been requested and Navient continues to deny my discharge.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (OK)

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Consumer complaint received 2019-07-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Credit Service, Inc. (DC)

Received calls from a restricted number on XX/XX/19 and did not answer. Then received a text from my mother who stated that Assset Recovery Associates called my mother, my step-father, and my stepbrother stating that I was wanted for arrest for check fraud. Gave them the case number and extension. When I called the number they stated that I would be arrested if I did not admit to the debt. When I asked for a verification letter they refused to send one stating that one was sent out already. No one received a letter. They would not give information about debt or who it was from. I told them to stop contacting my family and other third parties ( called my job as well ) and telling people that I was wanted for check fraud. When I asked about this check fraud accusation that denied. I have a voicemail with this accusation.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Detailed timeline is attached. 
Bank of America withdrew {$45000.00} for a credit card payment. 
The transaction was supposed to be {$4500.00}. 
BOA sent a letter stating that {$40000.00} was being refunded to my " bill payer '' My XXXX XXXX  has no history of the {$40000.00} transaction
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION (AZ)

On XX/XX/2020, I opened a National Bank of Arizona checking account through their website. I funded the account with a {$50.00} electronic funds transfer from my existing XXXX XXXX  checking account. I received an email that said " your account has been approved and opened '' with instructions on how to verify two small deposits to my XXXX XXXX  account from National Bank of Arizona to verify the external account and instructions on how to set up online banking. I set up online banking and when the small deposits hit my account on went to sign in to online banking on the National Bank of Arizona app. When I went to sign in, I got an error message that said to call customer service. On XX/XX/2020 I called customer service and the agent I spoke to let me know that I needed to go into a branch to finish opening my account and verify my identity. I let them know that I am not comfortable going into a branch during Covid-19 because I have an immunocompromised child and we are self-isolating as a family. I asked if my account could instead be closed and the electronic transfer reversed. They said they would close the account. on XX/XX/2020 I received an account summary statement from National Bank of Arizona. I called customer service again that same day and they said the account was not closed and to call the local branch. I called the local branch and they said I had to come into the branch to close the account and reverse the electronic funds transfer. I told them I would have to think about it, as I don't want to go in and left it at that for the time being. On XX/XX/2020 I received an email that stated " If you do not validate your External Account within 60 days of opening the account, the account will be closed. '' so I decided to just wait that 60 days out and let the account close itself. On XX/XX/2020 I received the same email. The account was not closed after 60 days despite the fact that I never verified my external account. I received another account summary statement in the mail on XX/XX/XXXX. I called customer service again today XX/XX/2020 and was told that I had to go into the local branch to close the account and get the electronic funds transfer reversed " in this case '' when I asked what " this case '' was, they said they could not tell me anything " in order to protect the privacy of my account ''. So as of now, the account is still open even though the 60 days has passed since opening the account online and monthly maintenance fees are being charged.
Consumer complaint received 2020-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (MI)

This company took my financial info and used it against me during a time of identity theft. I made them aware that this debt is not valid. They have shown not proof or validation of the debt. I want this garbage removed and deleted immediately from my credit report.
Consumer complaint received 2019-12-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

Father XXXX XXXX passed away I have been making the payments on the mortgage Court appointed me I have submitted all docs to PHH ; they don't acknowledge I get reps from XXXX that do not speak English also the balance on PHH recording sayd $ XXXX their statement says $ XXXX
Consumer complaint received 2020-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

THIS HAS HAPPENED TWICE BEFORE!!!!! 

Monday XX/XX/2020 I called Fedloan Servicing at XXXX with a very simple question. After waiting 7 minutes I was answered by XXXX, employee ID # XXXX. She couldn't help me with question and transfered me to loan adviser. The hold time was expected to be 20 minutes. I was on hold for 1 hour 13 minutes 53 seconds. No one answered phone in that time and my line was DISCONNECTED! I called again, waited 15 more minutes and was answered by XXXX, employee ID # XXXX. I told her what happened and requested to speak with a supervisor. I waited for another 10 minutes just to be told there is a long wait time to speak with supervisor because SO MANY OTHER PEOPLE HAVE COMPLAINTS AS WELL!

As stated above, this is not the first time I have had the hardest time trying to speak with a loan advisor or supervisor. I submitted 2 INCOME DRIVEN REPAYMENT PLANS last year that WERE NEVER PROCESSED and I was placed back on forebearance which dramatically INCREASED INTREST RATES!!!! I now have nearly {$2000.00} in intrest alone! It is IMPOSSIBLE TO GET MYSELF OUT OF DEBT WITH THE BEST INTENTIONS AND WILLINGNESS TO DO SO. This company is a shame!
Consumer complaint received 2020-10-14
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: EQUIFAX, INC. (WY)

I checked my Equifax personal credit report, which I acquired from your organization on XX/XX/2020 and I noticed an unauthorized credit inquiry had been made. 
1. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX 2. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX 3. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX 4. XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX 5. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX I contacted the above list conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the listed inquires on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had account at chase bank for almost a couple years I just recently got a letter they going to close my account I called number on paper to find out why they didnt give me no answers I tried to open a new bank account but cant and I think its because something they wrote on my history and I dont know why. I havent written any bad checks or did anything fraudulent so whats going on?
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SOFI TECHNOLOGIES, INC. (CA)

Complaint Summary : I have had a fraud block on my XXXX credit card since XX/XX/XXXX. Despite numerous attempts to resolve this issue, it is now almost XX/XX/XXXX, and I still can not access my account. 

Details of the Issue : In XX/XX/XXXX, a fraudulent payment was made using my card. I reported this to XXXX, and since then, I have not used the card. However, a fraud block was placed on my account, which has not been lifted despite my continuous efforts to contact the XXXX XXXX department. 

In XX/XX/XXXX, I was informed that I need to speak to someone named XXXX to resolve the issue. I, as well as other members of the XXXX team, have reached out to XXXX multiple times, but she has yet to respond. As a result, I have been unable to use my card for almost a year, despite making regular payments and never missing XXXX. 

Additional Issue with Bonus Points : When I initially opened the account, I received a certain amount of bonus points. I attempted to invest these points, but the transactions remained pending indefinitely. Afterward, XXXX informed me that I was not eligible to invest, and they never returned my bonus points.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Since I XX/XX/2019 when I first found out that my Bank Of America Cash Rewards Credit Card was completely comprised since XX/XX/2019 by a few roommates. Fraud charges against the card were made, Fraudulent Payments and again more charges. I had the account on automatic payments so up to a certain time I was paying for charges I did not commit. I have contacted Bank Of America ( who got bailout ) but when one of there customers were victims they chose to disregard my claim. Impacting my credit. After countless letters to XXXX and Bank Of America my account to this day has not been given proper credit for unauthorized activity and I have yet to get a replacement card. Bank Of America Their consumer credit cards are covered by the banks Total Security Protection service. 

That includes a {$0.00} liability guarantee. The bank will reimburse you for any fraudulent credit card transactions. They can credit your account for fraudulent charges made. Why was I not covered under a promise made to its consumers?
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a bankruptcy on some of my credit reports on XX/XX/2015. This does not belong to me. It is preventing me from getting approved for many things, including a mortgage, credit cards and much more.
Consumer complaint received 2024-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Carrington is reporting me for XX/XX/year>. They have also reported on my credit file. Im under a forbearance. I never signed a forbearance. Why are they reporting me late? When I was on a payment plan? And a forbearance. They are always putting me through some type of distress.
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weber & Olcese, PLC (MI)

In regards to phony collection practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by XXXX XXXX XXXX. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called WeberOlcese Attorneys & Counselors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. XXXX XXXX XXXX is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although XXXX XXXX XXXX initiated the procedure I have yet to receive anything in writing from this dummy corp.
Consumer complaint received 2020-01-22
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: ALLY FINANCIAL INC. (CA)

I filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to XXXX XXXX XXXX, Ally Financial, XXXX  XXXX XXXX, XXXX still reporting on my credit file.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

Fraudulent charges on my account. Barclaycard refuses to remove them even though I sent a ton of evidence proving that their investigation into the matter was a joke and wholly insufficient. 

My account has been stolen 4x while barclaycard has had the XXXX account and 4x when XXXX held the account. It is clearly their employees either taking the numbers themselves or selling them to someone because this has never happened with any of my other credit cards. 

You can see all the points made ; they claim it was delivered to my residence and signed for. This is incorrect. I have proof one of the packages was picked up at a XXXX location and the other was returned to XXXX per my regular XXXX driver XXXX XXXX. He was told to do this since someone approached him asking if they could take the package for her when he was at a totally different location than my residence. His supervisor told him to bring the package back. 

Additionally, the account created was obviously illegitimate as the phone # provided was XXXX and they had a 2nd fake address on the account! 

The documentation they sent says it was delivered to a single unit. My residence is not a single unit. Then the documentation they sent shows there is yet another secondary address for the account holder in Georgia. I never lived in Georgia. 

Last but not least the signatures are not my signatures. According to the Fair Credit Billing Act if a consumers credit card number is stolen but not the physical card itself then they are not liable for unauthorized use. 

I am filing this complaint because never in my 30+ years of using credit cards have I, as a consumer, been so mistreated and blatantly disregarded. My record agin, speaks for itself. They on the other hand should not be allowed to be a creditor.
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

The original creditor is XXXX XXXX XXXX. My daughter was seen at XXXX XXXX on XX/XX/XXXX. I provided all insurance information which was XXXX XXXX XXXX during that time with an effective date of XX/XX/XXXX. The representative did not update her account with that information and caused an insurance denial on the XXXX policy that was termed in XX/XX/XXXX. I provided the updated insurance to XXXX the day of the visit, XXXX XXXX XXXX after receiving a bill and IC System ( collection agency ). This information apparently was still not updated. 
I spoke with XXXX in the billing department for XXXX XXXX XXXX. He was not able to pull up any account with my daughter 's name on it, only my name and nothing with that date of service. I haven't been to that hospital in 10 years. 
There are two issues, no account with my daughter 's information and the insurance information provided on multiple occasions and now this is showing on my credit report due to their negligence.
Consumer complaint received 2020-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I made a purchase with a merchant through PayPal on XX/XX/2020 in the amount of XXXX from XXXX. When I received the items they were not what was advertised, although items were the same size, they did not fit consistently or even at all. I tried to contact the seller, and they gave me the run around so that I could not return the shipment. I filed the dispute with PayPal and after 2 months and a declined offer of a XXXX dollar refund from the seller, a full refund was offered if the items were returned. I was fine with that until the address was given and after checking with 3 different companies, the average price for me to return the items was XXXX dollars which is MORE than what I paid for the merchandise. After further investigation I found out that the company changes its name so that the bad reviews are not able to consistently be tracked in order to scam consumers. PayPal is not giving me a refund demanding that I return the product even though I will spend more to return the merchandise than what I paid for it. When I contacted my bank, they informed me that PayPal is aware of the companies that are doing this and have recently changed the way they charge bamk accounts in the form of ACH so that the banks can not offer protection even though I never provided PayPal with a routing number to perform any ACH transactions. This is not fair to me as a consumer.