davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC (OH)

I attended XXXX XXXX in XXXX, Ohio from XX/XX/XXXX to XX/XX/XXXX and the school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for just that and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at that time and any loans that were to be a private loan. I have {$10000.00} still in 2 Private loans currently. I am current and I have been paying these loans but I am having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquire I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my Borrower Defense claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have 2 accounts from XXXX showing on my Experian credit report. I had a loan with XXXX XXXX which they sold to XXXX. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and XXXX in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The XXXX XXXX loans are gone but the XXXX loan still show and it's hurting me getting a mortgage.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (WA)

XXXX XXXX - XXXX XXXX location in XXXX, WA signed me up for a credit card I never agreed to. As every time a credit card application is submitted, a hard pull against my credit is likely to be shown within the next couple cycles in my credit score. They are committing fraud, and identity theft against the federal consumer compliance violation laws. I called the store manager multiple times but they never returned my phone call. Plus, it was my rental dwelling unit that I was getting appliances delivered to from the store & whoever signed me up thought I actually live at that address and sent the card there. They committed fraud with the wrong information. How ridiculous
Consumer complaint received 2019-02-04
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)

My child support payments come directly out of my check every month and has been for several years but the credit bureaus had been reporting late payments to my credit file dated back as far as 2012 and this has hurt my credit.
Consumer complaint received 2019-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NJ)

I sent money via western union to a relative in XXXX from a local XXXX store in XXXX and the recipient never received the transfer. After many calls and complaints it has been determined by western union the transfer was completed and delivered t o the recipient. However i learned while on a call that someone fraudulently stole the recipients identity and received the transfer. Now Western Union having this evidence will to refund my money. Western Union requested i file a police report, when i went to the XXXX precinct today they told me they could not file a report since the crime did not happen in New York, but rather in XXXX. 

I NEED HELP, XXXX XXXX DOLLARS ARE LOST. WESTERN UNION WONT HONOR A FULL INVESTIGATION, they simply say that protocol was followed by the agents in XXXX and that's that.
Consumer complaint received 2019-02-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I was illegally served an unlawful detainer for an apartment I was leasing a couple of years ago. When it came time to go to court and I had proof of the illegal service, the company decided that it was best to settle. We then agreed that I would have XXXX balance and my debt would be erased without prejudice. About 6 months after moving out, I received a call from a collection agency. I reached out to the original creditor and asked them what was going on, their response was " No you still have to pay! '' I then disputed the charges as I was obviously not responsible for the bill as agreed in a superior court. 

Fast forward, I have received additional calls and hardships and when I contact the original debtor now, they have been bought out by another company. Even after presenting evidence to the collection agency the lady said " I've seen times where it doesn't matter that you have a judgment in your favor. You still have to pay! '' How can a creditor blatantly ignore a court of law? This has caused me to miss career opportunities, housing opportunities, and it's even caused an unnecessary burden on my relationship.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (UT)

I've been receiving many calls from Avanteusa ( apparently a debt collector ), from different phone numbers they own and use. I contact them trying to figure out what were the calls about since they have apparently a legit name associated to their phone numbers and explained to them that they have the wrong person on file since the information they have is wrong on such things as : address and birthday. I refused to give them my SSN since they were " requesting it to finally clarify if I was the person I was claiming to be '' but apparently that was the last bit of info they needed to leave me alone. I even check with services specialized in checking on identity theft and thankfully nothing bad has happened to my identity so far but even after talking to them they keep on calling me. It's annoying and it's definitively a harassment to my persona. I wish they could fix their problem if any and stop calling me. Thank God I've never been in a debt collection list and I've always been careful when providing my phone number ( I try to use a different one when I feel like it's going to shared between 3rd parties ) but I guess even with all the measures you can take to keep yourself safe, there's always a way to fall into these kind of annoying calls lists. I wish the government could do more to stop this companies since I did everything that was available on my side to clarify any mistaken info they might have about me.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a notice dated for XX/XX/2019 from XXXX XXXX XXXX that stated that they could not extend me credit due to the credit score obtained from Transunion credit bureau. The score provided was exceedingly lower than my scores from the other bureaus, when I called Transunion to obtain a copy of my report along with the credit score I was instructed to pay {$19.00} for both but ALSO had to join their credit monitoring program for {$24.00} a month to obtain the information! I was able to pay XXXX  and XXXX  to receive copies of my reports and credit scores with no problems. I want to know how is this practice acceptable because by law I am due a free credit report once a year.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TH Professional & Medical Collections LTD (IL)

I called TH PROF MEDICAL COLLECTN OF XXXX to pay {$79.00} debt. Then they tried to say I had over {$2500.00} in debt. I asked them to prove my debt by telling me what it is and mail it to me. Then they said they forgave my debt, removed it and only charged me {$79.00}. This XXXX said my debt has been erased and they gave me back all of the {$250.00}. Well, I called my bank and they said they took all XXXX! I asked XXXX again from this so called debt agency to mail me a copy of all my debt I owed. She asked why did I need it, if they dropped all of it? She put me on hold and never came back. I recorded the WHOLE. Conversations! I let her know that, she started freaking out my doctors office, XXXX, the XXXX that this bill Supposedly came from, they said is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX want to see copies of what I/ supposedly came from, they said it is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX went to see copies of what I owe. I told her this. She would not comply. I have proof they put a false {$79.00} charge on my credit! They tried to get me to call this fake number - XXXX, this is NOT XXXX XXXX XXXX XXXX its a XXXX number. I called the real number and they saw I am a patient, but I owe NOTHING! They said I need to report this fraud! Why offer to drop my debt and give my money back, if I really owed money?!? They put this on my credit report, making it drop over 45 points on purpose. By making it XXXX hoping I would pay it, but can not provide my bill because there is no bill. This needs to be taken on my credit report. Its a scam! 
This happened today. They put it on my credit report XXXX XXXX. Saying its from 4years 10 months ago. ( Not possible to have XXXX in charges, Illinois Medicaid does not charge a deductible ) XXXX said they gave back the money, but XXXX said the stole it. 
I have her recorded on video, it shows her number, me calling and her saying shes taking this debt off my credit report and giving the XXXX all back. I can play it to anyone that wants to hear it.
Consumer complaint received 2019-02-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My complaint is about the overall scam of credit bureau reporting. 

Can someone explain to me why having someone check my credit lowers my score? Does it mean Im likely to miss a payment? Does it mean Im about to overextend myself? Does it have anything to do with all of the hundreds of creditors Ive paid in full over 30+ years of having credit cards, student loans, mortgages, or other types of reported debt?

No it doesnt. So why is the score impacted?

Credit reporting bureaus having massive differences in scores??? Why??

Why do only 2 agencies show up on the scores? TransUnion and XXXX? What happened to XXXX?? 

Credit reporting also different for differing situations? Why is my score different for credit card application, home loan info, auto loan? There should be one score and one score only!!!! The score I see should be the same one a creditor sees. 

Its like the housing market scam network in this XXXX country. Why is there a different appraisal price for 1 ) purchase, 2 ) refi, 3 ) just a personal I want to see what my house is worth ( this always confuses the appraisers ), or 4 ) a relocation appraisal. Why are they all different? Its the same XXXX XXXX XXXX house !!! 

Credit bureaus are the same scam. Why is what I get as a consumer so different than what a bank sees??? 

It is so disgusting and fraudulent.
Consumer complaint received 2019-02-04
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 have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I opened my account with Chase on XX/XX/XXXX. 
My account was in good standing and paid on time. XXXX credit report attached. 

Chase billed me for {$81.00} for the annual account fee. Statement showing due XX/XX/XXXX attached. 
{$81.00} Bill paid on XX/XX/XXXX Chase closed the account on XX/XX/XXXX. XXXX and XXXX statements attached showing $ XXXX balance. 

I called them in what I believe was early XXXX after having received a check from Chase for {$81.00}. They told me to cash the check and fax a written reply to request reopening of the account to their Correspondence Team at XXXX. 

I deposited the {$81.00} check in my checking account as instructed in approximately XX/XX/XXXX. 
Having noticed that my account still showed closed, on XX/XX/XXXX, I requested automatic bill pay in the amount of {$81.00} to Chase. Chase did not accept payment, see XXXX XXXX  payment history attached. 

On XX/XX/XXXX, I faxed the Correspondence Team to request reopening my account and notified them of incoming {$81.00} on XX/XX/XXXX. 

After seeing that the status of my account was still closed after the XX/XX/XXXX request, I forwarded the same XX/XX/XXXX request again through their secure correspondence message system on XX/XX/XXXX. 

They notified me in writing on XX/XX/XXXX through their messaging system that they would not reopen my account. 

Account remains closed effective today XX/XX/XXXX.
Consumer complaint received 2019-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received numerous phone calls from Portfolio Recovery Associates, LLC through day and night to my new telephone XXXX that I received from my cable company. I notified Portfolio Recovery that I am the wrong person that they are trying to collect the debt from. I asked them to remove the number from database multiple times and Portfolio Recovery refuse to do so.
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NH)

I XXXX XXXX, have already tried to correct my credit bureaus where the attached posts on credit shows that I was not removed as a authorized user. On each of these posts it shows that I was only an authorized user. I was at no time a responsible party in the use of these credit cards. I was added only as a means of helping me to rebuild my credit. Now the responsible party has defaulted on his obligations, I believe that it is in my best interest to come off of these accounts as an authorized user, and to have these accounts removed from all of my credit bureaus immediately. These trade lines need to be removed immediately!!!
Consumer complaint received 2019-02-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WI)

I consolidated my loans through Navient, after being told I could apply for PSLF through them. During several financial hardships during the mid XX/XX/XXXX and again during my divorce during XX/XX/XXXX-XX/XX/XXXX, I was advised by Navient to defer and/or place my loans in forebearance. The original principal was {$55000.00} ( Consolidated XX/XX/XXXX ) and {$7900.00} ( Consolidated XX/XX/XXXX ). In XX/XX/XXXX I was told my Navient that I could not apply for student loan foregiveness thru them. At that time, I consolidated my Navient Loans with XXXX  XXXX XXXX. My total balance is now in excess of {$110000.00}. I will never be able to pay these off.
Consumer complaint received 2019-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

This company violated not only my trust but the law multiple times but the most recent event occurred on or around XX/XX/2019. On this date I received one of the many calls from Navient in regards to my private student loan. I spoke to a female representative in total around 30-40 min. I asked very specific questions in regards to bringing my loan current, and because of the the representatives response to those questions I decided to enter a payment plan. I paid a total of {$230.00} though the phone that day. 
A few days later ( After payment ) I realized responses to those questions were incorrect, misleading, and flat out lies. To name a few, 1. One I paid my account would automatically be brought current, and would be reported to credit bureaus. 
( turned out to just be misleading information given in order to collect payment ) In reality it would only be brought current after 3 payments 2. The payment I was making would cover all my loans ( minus Federal ones ) including the ones connected to a co signer. 
( Again Lies ) I was initially outraged by the blatant misrepresentation. I contacted Navients ' consumer advocate department as well as sent a letter outlying misleading acts to XXXX XXXX ( XXXX ). No response from XXXX ( as expected ) but the consumer advocate department reviewed the call and agreed that I had been given false information in order to collect the debt. But told me there was nothing they would do. 

I am very familiar with the FDCPA. I know that Navient is clearly in violation. I have gone through them to correct their mistake and they refuse. My problem is that I am concerned that they could be doing this to thousands of other loan holders.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Home Depot credit card/CITIBANK They reported me late on my credit report ( all three ) XX/XX/XXXX I called them and disputed it and with the bureaus. I have spoke with several different agents at Citibank since XX/XX/XXXX.I always get different stories. one person said I was late 9 days, another said I was late XX/XX/XXXX days, and they said XX/XX/XXXX. It was reporting XX/XX/XXXX on all three bureaus until recently. Now all the sudden they removed XX/XX/XXXX on the XXXX  report and put XX/XX/XXXX! I talked to another lady forgot name I can look for it said she would do a nine day investigation and I had to call her back as she did not return the call to me with info by the date she stated. Furthermore here is the truth 1 ) I was moving and lost My monthly statement. I called in and got a offshore agent .I took my time as there is a language barrier and said what is my payment lost statement. She gave me my amount I paid it and went on with my day. I filled out an application for a rental as I sold my house and needed to rent. the fico score was low. S o I checked the report and saw Citibank reported me 30 days late. I then started my dispute. I paid what I was asked. They are always changing their story. Please investigate they are putting false info on my report and now changing the months .I almost feel like they are harassing me or some sort of retaliation. 
They have cost me money as I had to pay hefty deposit to get in the rental because of there inaccuracy.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (TX)

On XX/XX/19, I submitted two gift cards sales to XXXX, which advertises that payments are turned around in 1-3 business days. It's now been close to a month and all effort to reach said company have been fruitless. The amount of each transaction is {$15.00} and {$38.00}. I have called numerous times, left voicemails that go unreturned, and sent emails that are never answered. For business practices like these, they deserve to go out of business.
Consumer complaint received 2019-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Accounts Management Services (IL)

On XX/XX/XXXX.. I received an alert from the major credit bureau alerting me that a collection account was added to my credit file. Which resulting my FICO score to drop. I looked at my report it was AAMS who added an old debt from XXXX XXXX  XXXX. 
XXXX XXXX  XXXX had placed a {$460.00} medical debt on all 3 majors credit bureau since XX/XX/XXXX. The account fell off on all my my report late XX/XX/XXXX. I was very surprise that the account was sold to AAMS who never notified me of this old account they acquired from XXXX XXXX XXXX. I have 2 medical account with AAMS which I have been paying for more than 4 years {$50.00} every months. On XX/XX/XXXX at XXXX XXXX  I received a call from XXXX at AAMS who told me over the phone that a letter they mailed to me came back with an address change. I told him yes, indeed I moved. I gave XXXX my new address. XXXX never discussed of this old account that AAMS purchased with XXXX XXXX  XXXX. As a matter of fact, he confirmed that I only had 2 accounts with them {$310.00}. and a {$2300.00} account as of XX/XX/XXXX. he never mentioned of this old account they purchased in XX/XX/XXXX. I never received any letter of this old debt {$460.00} for medical visit I did at XXXX in XXXX. I had to pay this debt right away because of the house closing i have in 2 weeks. I felt violated