davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am a XXXX parent and there was a person disguising himself as a parent looking for housing for his daughter while attending school in California. I have worked with XXXX within the past three months, so I did not think this person would send me a fake check, I deposited it the bank, so it did not clear with my bank HSBC. The manager of the branch with HSBC closed my checking account and reported me to a XXXX agency, which will destroy my chances of getting another checking account. Also, I had been trying to get an overdraft account with HSBC, but they would not allow me XXXX, even though I had direct deposits of over {$5000.00} put into my account every month. They just continued to charge me overdraft fees which totaled over {$790.00} so far this year in 2016. The bank manager is practicing discrimination and is ruining my credit. At this point, I only wish to have my name removed from XXXX because this situation with a criminal embezzling money from my checking account was at no fault of my own. Also, the {$790.00} that HSBC would cover some of the loss, and they would not even investigate this fraud - the manager just reported me to XXXX.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I tried to get XXXX service, after they came to try and install nothing was working and we were told we needed someone to come out to do additional wiring. The day they were supposed to come nobody came so I called and was told someone would come the next week but they did n't show up either. Then I called back and was told I have to wait till the Spring for ground work or something. I called again and they finally got someone to come out. The technician came and said I can not have XXXX service because the signal was too weak in my condo unit. I was told either I have a new wire run ( more holes drilled into building ) or I use their legacy service. Well my landlord will not allow any more holes so I decided to stay with XXXX and not XXXX and closed my account. They told me my bill would be adjusted once I returned the boxes and remotes. I returned the equipment and was still billed for internet and cable TV service. I 've called 5 times to have the bill adjusted and I went IN PERSON to the XXXX office. I even got the name of an employee who said to follow up with him in email. He replied and said he was still trying and has not since returned ANY of my messages. The bill is in collections and the collection agency wo n't drop the bill unless XXXX tells them to. {$770.00} and it 's lowered my score quite a bit since it 's not very old. I need this removed ASAP what can I do?
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-26
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (PA)

In addition to constantly calling me up to 14 times a day and up to 9 calls in a 15 minute period, they have contacted my sisters, mother, best friend, brother-in-law multiple times. It got to the point where my friend and relatives had to tell Navient they had never heard of me to get the phone calls to stop. 

Even after I tried to explain to Navient 's representatives about my dire financial situation, they said they were trying to give me a good deal, but I needed to be more flexible. One such proposal by them, suggested I pay XXXX % of the balance ( balance about {$200000.00} ) and then I would qualify for a monthly payment. At the time I had told them, I had been homeless, XXXX, unemployed, behind on my monthly bills and near having my car repossessed. 

I even sent them a letter to get the calls to stop and to stop contacting third parties. I offered a payment of {$40.00} a month, which would have been a struggle and they did not acknowledge the offer. Instead they said we need to discuss this in calm, adult manner.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX ) can never seem to find in their system. I want to close it but they are no help at all.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (MN)

A credit card I had went to collections and I paid the credit card directly to the credit card company. This happened several years ago. A year ago I received a notice from Gurstel Chargo that I was going to be sued over the debt in XXXX County and they sent me some questions in a legal document. I responded, explaining I had paid the debt and asked them for proof of the debt, as I believed I had completely paid off the debt. I hand delivered the response, so I know they received it. I heard nothing for eleven months. Then I get a letter saying they were asking for summary judgment, since I did n't respond to their request for " interrogatories '', which I had never received. Their interrogatories were to have been answered within 30 days, and if I did n't, the debt was admitted to. They made no attempt to actually show that I owed to the debt. I believe they never even mailed me the interrogatories. This was just a way to avoid to have to prove the debt, a way to avoid the burden of proof of the debt. I answered their letter, explaining just this, saying I thought this was misconduct on part of Gurstel Chargo and requesting summary judgment because of attorney misconduct. I tried to hand deliver this to them, they did n't want to accept this letter, but eventually did. In response, they sent me a letter asking me to send them the settlement papers showing the settlement terms and payment proof when I paid the debt. I once again, sent them a registered letter explaining I had paid the debt directly to the credit card company. Gurstel Chargo has made XXXX attempts to switch the burden of proof of debt to me rather than actually prove the debt. They have had my request to prove the debt for over a year and I have received nothing from them. I believe they never mailed the interrogatories to me in attempt to get an " admission '' without having to prove anything. I think this is probably not the first time they have attempted this. When the paralegal was reading my letter accusing them of such, she did not want to accept the letter and was very upset with it.
Consumer complaint received 2016-06-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

I have a school loan through AES .. My college I attended XXXX XXXX in New York is where my loan originated .. Since the inception of my loan, the loan company has had the wrong date of birth on my loan including the promissary note from the loan. Still they have been paid by me, and have been speaking to me without knowing my identity for sure. My loan has been in a different date of birth yet they continue to seek info from me, and now that my loan is in status of going to collections from being unpaid, for medical reasons I could not pay, they refuse to even comment or speak to me about my loan, after I sent them my license 2 times to confirm my identity .. So now I can not secure a payment plan
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Dwight Financial, Inc. (CA)

Everytime my husband or I call we are getting different stories. We have a letter stating that XXXX payments was our final payment for our motorcycle and we just had to pay fees for not having insurance. We have been calling for the last week trying to get info on the fees. Everyone is so rude there and now is saying XXXX is our final payment ( which makes no sense ) saying that they never received XXXX payment but then stated they received a cashiers check XXXX XXXX ( which would be considered XXXX payment ) now theyre saying theyre going to put a 30 day late on my credit which i dont see how they can do because there is no payments left besides the fee for no insurance and they cant even give us a straight answer on what is owed. Everytime someone answers its a different answer. I have never been late in the 4 years i have had this loan and i have never been treated with such little respect ever in my life. I closed my bank account XXXX XXXX payments come out XXXX XXXX they received a notice the account was closed XXXX XXXX, they received my cashiers check XXXX XXXX and since then i have been trying to figure out what is owed to pay the fees off and one minute i call and its they never received a cashiers check now its they have then it was XXXX was the pay off then its XXXX they have absolutely no idea what theyre talking about and its only 2 women that answer the phones there!!! Its absolutely ridiculous!
Consumer complaint received 2016-07-28
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (GA)

Immediately after my Chapter XXXX bankruptcy was dismissed in XXXX 2016, I began receiving phone calls from XXXX about a debt. I had no knowledge of the type of debt until I googled the company and read the reviews. Later that day, I was contacted by a rep from XXXX who proceeded to explain the nature of the debt. We went over some basic information and I realized it was for my student loan which the company says I am in default because of the bankruptcy dismissal. On XXXX XXXX, I gave the rep my communication preferences which included my home number and the immediate removal of the temporary work number that I did not give them ... or give them permission in which to call me. Today alone, I have received 3-5 robo calls from them as transfers to my employer. The calls began XX/XX/XXXX and have been continuous since. The live person I spoke with today, threatened me with wage garnishment on my employer line, and said she received no communication to remove the employer number so they have continued to robo call the number.
Consumer complaint received 2016-07-13
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (TN)

I have disputed this debt with XXXX and XXXX.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.XXXX only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.
Consumer complaint received 2016-05-24
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I began this investigation because I received a letter from Bank of America stating that my payments would be going up to approximately {$840.00} per month beginning XXXX XXXX. My loan amount was only {$19000.00} which was reflected in my closing documents. I have been paying almost {$300.00} a month on this loan for over 8 years and there is no way I should still owe this much. I contacted Bank of America and was given information on where the missing {$75000.00} went. I was told that {$75000.00} was disbursed to XXXX separate people : MY Financial and XXXX XXXX. I was told that an advancement was taken on my line of credit, deposited into my account ending in XXXX, then XXXX cashier checks were processed and distributed using my debit card and pin. 

The issue is that I did not authorize these transactions. My closing documents, which I signed, state that only XXXX checks were to be disbursed. XXXX was for {$10000.00} and XXXX for {$8500.00} both payable to XXXX XXXX for student loans. No other money was to be taken out of my line of credit and paid to anyone. My payoff amount is {$25000.00}. The closing documents state that I only authorize Lender to automatically deduct from my account, ending in XXXX, the amount of any loan payment which was to begin XXXX XXXX, XXXX. BoA states that money was transferred into account ending in XXXX then taken out. The other issue is that I was never issued a debit card or pin. There are a few pieces of information I still need : 1 ) Who was the agent at the bank who handled my closing on XXXX XXXX, XXXX? 
2 ) What date was the debit card and pin issued? Was it mailed or issued at the bank and by who? When was the pin # established? 
3 ) Who authorized the counter debit and issued the cashier 's checks without me being present? 
4 ) Please verify that the business name is M Y and not M and some other letter. I am coming up with other initials in my search. 
5 ) Location/Address of the branch involved 6 ) What assistance is BoA going to offer me in order to track down the recipients and get my funds back? 

I have been paying on my loan for 8 years on time. I ca n't be expected to pay for money I never received or authorized to be paid to others. If I was going to pay someone any money, I would have included it in my closing documents. I need all of the help and resources that BoA can provide to me as a valued customer. This issue will not be resolved until BoA can determine who at that bank instigated this fraud against me. Until my funds are returned and the parties involved identified, this case will not be considered resolved.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. ()

I have been a XXXX XXXX XXXX for over 20 years. Throughout this entire period I have used credit cards issued by the bank. Since I do not reside in the United States, I have always asked my banker, XXXX, to pay my credit card statemetns with funds abailable in my account. Every month she send me copies of the statement and I give her a direct order to liquidate the outstanding balance. On the beginning of XX/XX/XXXX, XXXX informed that I had a credit card debt to pay given my expenses throughout the month of XX/XX/XXXX. I asked her directly in writing and over the phone to liquidate the debt. XXXX refused to, as per my explicit instructions, pay the debt outstanding, even though there were, and are, more than sufficeint funds to cover the amount due. I have asked her to provide an explanation, preferably in writing, as to why I am unable to use my account. Since the early days of XX/XX/XXXX, when we first discussed this issue, XXXX has not yet provided me with a clear explanation as to what is happening to my accounts. I have asked if my accounts are frozen to which I have not receieved any reply. XXXX has asked me for a wide assortment of documents which I have dilligently provided but I am still unable to access my accounts in any way, and, what is most troubling, have not received any kind of response. I fear that with an unpaid balance I could suffer deleterious effects to my credit score, not to mention the XXXX penalties and interest rates I will have to pay. Furthermore, this is my retirement money. I am suffering from terrible anxiety because I do not have any idea what is happening to my accounts and I have no idea what I can do to remedy the situation.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have two loans that were serviced by XXXX/XXXX XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.
Consumer complaint received 2016-10-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been in pursuit of a home modification to my Bank of America serviced mortgage which is also an FHA mortgage since XXXX XXXX. BOA has consistently disallowed my attempt to resolve the deserving modification. I have been vigilant with monthly payments that are inclusive of my escrow and 31 % of my gross income since XXXX XXXX. BOA has brought in a third party and they keep denying that issue. The third party is a collection agency that went under the name of XXXX. In the most recent trial payment that BOA offered the contract stated third party fees would be included in this long term mortgage thru XXXX. I am a XXXX person and my mortgage was taken in XXXX and BOA became my servicer. The XXXX program allows reduction of interest and reduction of principle in most cases also. The bank offered my payments to be reduced to XXXX per month for XXXX trial payments. I completed those then the bank sent a new loan, new loan numbers and in the writing it described the uncertain terms,,, no amount or enclosure details to the third party. I have been making my monthly payments as 31 % of my gross income. my gross income is generated from SS, SSI and food stamps. all of which is unearned income. My income is 33 % below the XXXX indigent level and is non taxable also. I have been attempting to contact BOA with the many telephone numbers that I have been given. All the lines are rerouted and designated to a party that listed as a relationship specialist. I can not even reach customer service for they do not even give numbers to call on the voice mail. I have left ten voice mails in the last week and half. The numbers of contact state BOA but I keep receiving the same voice mail contact. I received a letter dated XXXX/XXXX/XXXX stating XXXX XXXX would contact me. I have had no call from that party either. I received a letter threatening to foreclose because I refused to sign the document that included undisclosed fees to the third party. That is unlawful. I have been paying on my moetgage monthly and as I explained in previous complaints the BOA fails to document them to my credit agencies as partial payments or even as a FHA payment stipulates that escrow is paid then the principle. Please look into this matter as it is unlawful for a bank to not allow recourse or communication to dispute what they do, I have an FHA ticket number of escalation oped from last month and I do not have any info from that either.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

When I try to open an account with XXXX XXXX at XXXX, XXXX XXXX XXXX, CA XXXX, they run the credit report ( ChexSystems ) and the credit report history come out with XXXX unpaid/account abuses. I never banking with those XXXX banks and called them to find out what is going on. Both of banks said I did n't banking with them before and do n't even an account with them. Also I run another XXXX credit reports separately but none of them had same or any unpaid records. I think this Chex Systems report is wrong and want to corrected. Please help me out on this case. 
Thanks, XXXX XXXX
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion is telling me that I was not affected by the computer glitch XX/XX/XXXX. So they are unable to remove the inquiries that were not there on my report previously. In addition to employees of transunion giving false names, not letting me speak to someone in position of higher authority, putting me on hold and not coming back to the line, and terminating my call. The inquiries have been deleted and reinserted numerous times XX/XX/XXXX. I did n't break the law, THEY did and they refuse to take care of the matter
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GLA Collection Company, Inc. (IN)

I have asked GLA Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-11-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: College Assist (NY)

While attending XXXX school at XXXX @ XXXX I was pressured by fellow students, professors and media to consolidate my loans. I consolidated my student loans with XXXX with the understanding my interest rate of less than 3.8 % would be locked in and garunteed not to climb. Upon receiving the first statement, I found XXXX already broke the contract. I paid my loan until all my savings was depleted and I was no longer able to pay. My earnings are not enough to provide beyond basic survival. My loans were sold to College Assist, XXXX XXXX, and XXXX. Through college Assist I was offered a rehabilitation program for {$5.00} per month for 12 months to remove my loans from default status. When looking over the agreement I discovered I will be charged over {$30000.00} for the service.. This sort of fee is crippling on top of an already insurmountable figure considering my place in a ruined economy. The loan is increased by around {$100.00} a WEEK. I am being extorted. I find no offering of IBR, deferment or forbearance offered. My requests went Un acknowledged by all contacted listed by the company. I 'm left with this rehabilitation program where I would be paying {$30000.00} plus approximately {$7.00} daily more as my only option of repayment.