davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

In XXXX XXXX I submitted proof of working for a government agency to XXXX XXXX. On XXXX XXXX, XXXX, my IDR repayment re-application was approved by XXXX XXXX. On XXXX XXXX, I made a payment to XXXX XXXX for my bill that was due at the end of XXXX. At the end of XXXX, my account got transferred to my XXXX XXXX as a result of me working for a government agency. 

When my XXXX XXXX got my account, they did not get proof of my XXXX payment ( which was 2 weeks early ). They also did not get the memo that my IDR repayment plan was approved. As a result, as soon as my loan got transferred, my XXXX XXXX began harassing me about my payment being late and my account being delinquent ( which it was n't -- see attached proof of payments ). In addition, my fed loan sent me a bill for over twice the amount of what my bill should be under IDR. I have called, email, and chatted with them repeatedly, and gotten different answers every time. 

My XXXX payment was on time. My IDR re-application was also on time. But now this company wants me to pay the XXXX repayment amount for my XXXX bill ( if I wanted to be on the 10 year repayment plan, I would n't have submitted proof of income and gotten transferred to this servicer ). They are also constantly harassing me about my payments being late, which they are n't. This company is penalizing me for doing everything right.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (OH)

I received a promotion with discover credit card where i was on interest free until XXXX as per the conversation i had with the agent on the phone. I never received any terms about the promotion as well as i never received any type of notification on my statements or letter stating the status of my promotion or that the promotion ended. I work for a credit card company and all our statement show the status of the promotion such as how much is left to pay to avoid the interest and when the expiration date is of the promotion so that you can pay it off in time. Not a single one of my statements show any type of anything for the promotion.
Consumer complaint received 2017-09-25
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: NAVY FEDERAL CREDIT UNION (OK)

I have filed complaints with XXXX XXXX XXXX and XXXX against Navy Federal Credit Union regarding numerous misapplied payments and payments taken from the wrong account than what was given to the member service representatives. I tried to file another complaint with XXXX XXXX XXXX however they close it as a duplicate complaint even though it is not just a duplicate complaint it is an ongoing and reoccurring issue with XXXX. I would like someone else to address my issues. They are reporting incorrect information to the 3 major Credit Bureaus after I was told by their legal department that I did n't have to make a payment until the complaints were finished however that too was a lie on XXXX behalf. Access # with NFCU XXXX. After Numerous attempts to get the incorrect reporting resolved on all three credit reports XXXX XXXX does nothing to fix these issues just closes the dispute saying the information is correct. Their legal department advised me not to make a payment while prior investigations we going on however XXXX XXXX said that they do n't record calls in that department for legal reasons and that they have no record of say such XXXX XXXX XXXX was the party spoken to XXXX. They probably do n't record them to cover up their corruption. All three credit cards with XXXX XXXX need to have their slate wiped clean for all the misapplied payments and errors that XXXX XXXX has created. They also tried withdrawing funds from the wrong account to clear the negative amount on my checking account now they froze the account to where I ca n't do anything online even view statements or make payments on existing credit cards. I can only due that over the phone in which they charge me fees to do.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: YALE MORTGAGE CORPORATION (FL)

YALE MORTGAGE does not report to any of the 3 bureau 's reports of an active, convential loan, home mortgages! 
Mine since XXXX, current through XXXX? 
Payments timely since XXXX? 
Yet I have no real estate mortgage info in report by them .... 
My current credit score may or may not be 'current ' as a result? 
XXXX MORTGAGE, XXXX, FL, should be reporting all current and past due mortgage transactions, obligations?
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. According to the Fair Credit Reporting Act, I am well within my rights to contest any inaccuracies on my report along with the company that provided the information to the CRA. Also, under the Fair Credit Billing Act, I am well with my rights to contest any billing errors that appear on my report such as : -Charges not made by the consumer -Charges in the wrong amount -Charges for goods not received by the consumer -Failures to properly reflect payments or credits to an account -Charges that the consumer wants clarified or requests proof of. 
No doubt the inclusion of this inaccurate information is a mistake on either Transunions or the reporting creditor 's part. Furthermore, the following information needs to be verified and deleted from my credit report as soon as possible. Also, this is an improper inclusion of reference to an asserted disagreement by the consumer that was never submitted under FCRA 611 ( b ). Please reinvestigate this matter and delete or correct the disputed item as soon as possible. I will wait the allotted 30 days for a response from your agency with evidence that the following account belongs on my report and that my rights have not been abrogated. If no records exist, please delete this damaging account information. Thank you in advance for your time.
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a capital one credit card, they are charging me 26 % interest on the card. I have called them and asked that they reduce my interest to single digit interest or at least 12 % they have refused. This is absolutely criminal. America should be ashamed to allow Capital One to say they are helping someone to restore or build credit then gouge or roguely take advantage of good customers. I have never missed a payment and always pay more than the minimal required payment. Oftentimes, paying out or 2x - 4x times more to get rid of the debt. All customers who are at risk of these money rogues should complain by writing letters, going on XXXX and any other modern form of communication possible, to get the attention of these capitalistic lenders.
Consumer complaint received 2017-09-22
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: CITIBANK, N.A. (CA)

On XXXX/XXXX/XXXX, I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via my Citibank XXXX XXXX XXXX on XXXX/XXXX/XXXX. Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with Citibank while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} XXXX with my Citibank XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than XXXX times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. I, however, paid my bill in full - including the charged back amount of {$1500.00} XXXX see attached XXXX and XXXX XXXX statements XXXX. 

I need Citibank to prove that this payment was released to XXXX in the amount of {$1500.00}, as I am being threatened with collection action. I paid my balance in full to Citibank, and the debt claimed owed is in fact not.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Unisa, Inc (MD)

My loans were recently moved from XXXX to UNISA ( unisainc.com ). I was never notified of this change, I simply logged into my XXXX account one day and all information about my loan was gone. After contacting XXXX, they told me the loan was transferred to UNISA. 

After searching and failing to find what appeared to be a legitimate website for UNISA, I ended up getting a number from XXXX and called UNISA. The person answering the phone call was very unprofessional and said I must have been in the " recent '' loan moves, that 's why I did n't receive any notification ( the loan was apparently transferred over a month ago ). I was able to get an account number for the loan from the representative, which allowed me to create an account on the suspicious looking website https : //www.unisainc.comXXXX The website appears to be made in WordPress ( known for it 's many security vulnerabilities ) and did not provide the typical prompts one would expect from a legitimate loan servicer. Once registered I was able to review my loan balances and schedule a payment by entering my bank information. 

This was several days ago, I never received an email confirmation of my payment and after waiting and not seeing any change in my bank account, I attempted to log back into my account to view scheduled payments. 

After entering my credentials on the https : //www.unisainc.comXXXX XXXX, I  received an error message " Error. An error occurred while processing your request. '' with no option for a redirection. I attempted this several times with the same result. I also attempted a login with a known incorrect password and was unable to login, so I know that is not the issue. 

I am unable to view my account information now and the unprofessional design of the website and attitude of the representatives makes me concerned with the safety of my personal and financial information with this company. I also have no indications that they allowing me to make payments. 

A quick XXXX search of the company reveals numerous complaints and the lowest possible review star rating on XXXX for the company, showing I am not the only customer with these issues. I feel this should be investigated, especially for the many graduates like myself that had no choice or option who their loans and personal information would be transferred to and now have no control.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (OH)

Chase credit started running my credit without my authorization several months back. I called and spoke with someone at Chase and they removed the inquiry from my credit report and stated they would not run my credit without my authorization in the future. Chase continues to run my credit and I have NEVER given authorization for this, and I have NEVER applied for credit from Chase. I have asked numerous times for this to stop, but Chase continues to run my credit. I called in XXXX when I discovered they ran my credit again, I was told this would be removed from my credit, yet it is still on my credit report and then they ran my credit again in XXXX. I called again in XXXX and asked to have this removed, but Chase has done nothing. 


CHASE CARD Bank XXXX XXXX, XXXX CHASE CARD Bank XXXX XXXX, XXXX
Consumer complaint received 2017-09-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC. (CA)

I went into Check Into Cash of California, INC On XXXX XXXX, XXXX to get a loan I was approved for cause online said I was approved when I did my application and to go to the store I have the email to prove this while at the store they said I had took out a loan in XXXX which I never did and it wen to collections so I called the number they gave me called XXXX XXXX and said its no longer their this is what the office told me but I further investigated and told them I never lived XXXX XXXX I lived in XXXX and I found record the corelogic/fronthit and saw this loan is XXXX XXXX XXXX in which they misrepresentation saying I was approved wasted my time and mislead me to believe I was approves this loan was in XXXX XXXX XXXX # XXXX they should not mislead consumer to get up dated information and prey on vulnerable people needing help this old account was off my credit charged of on XXXX XXXX, XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently review a copy of my credit report, there are fraudulent accounts in it, I believe I'm a victim of XXXX XXXX  and identity theft. I'm writing to request all fraudulent accounts in my report be removed immediately!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$9300.00} XXXX  XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX  XXXX Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX  XXXX Balance : {$7400.00}
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A fraudulent ATM withdrawal for {$300.00} approved in XXXX, Fl XXXX ATM on XX/XX/XXXX around XXXX XXXX, a second attempt to withdraw {$200.00} at same ATM was denied as it was cited as fraud. At the time of ATM withdrawal I was at work in my hometown approximately 800 miles away with my debit card in my possession. Bank of America notified me of fraud immediately and I confirmed that I did not make this transaction within 30 minutes of notification. I followed up with BoA at XXXX that evening to ensure bank had all the information they needed from me, and to clarify if I needed to take any additional action. Police department in XXXX, Fl notified of fraud on XX/XX/XXXX- I was advised by detective that ATM footage is " difficult to retrieve '' and to pursue matter with bank. I received a letter from BoA on XX/XX/XXXX stating that temporary credit that was issued on the date of the incident will be removed on XX/XX/XXXX. When I called BoA on XX/XX/XXXX I  was told that because correct pin number was used and that account was not completely depleted money will not be refunded because it must have been someone with personal knowledge or authority to access my account. On XX/XX/XXXXI asked that claim be resubmitted.
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

XXXX XXXX sent me a refund check in the mail for the amount of {$600.00} on XX/XX/XXXX. I  deposited it through my mobile bank. Bank showed check went through. The next day the check came back out with a fee of {$5.00}. I called my bank they said it said " referred to maker. '' I called heartland XXXX they said check was cleared, they said they would look into it and get back to me with what they found, never did. I called back and they said check is cleared and nothing they can do and they would look into it to see what was going on, never heard back. I called today XX/XX/XXXX and they said they could n't do anything and for me to call and file a police report.
Consumer complaint received 2017-11-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Advance America, Cash Advance Centers, Inc. (NV)

Received a loan form Advance America.

Never received any type of collection notifaction 's just treating phone calls about them wanting to sue me. I have received any type of collection letter for the right to dispute or or contact information, never received any type of phone calls about my debt. The only phone call that I have received was from a processor about them suing me for pay off the debt i was never notified about.
Consumer complaint received 2017-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AR)

Medical Data Systems has a debt on my credit report and it 's showing paid, but this debt is not mine. I have tired to call them and explain the issue, but they stated their is nothing that can be done because it 's paid. I tired to validate the debt twice, to get proof that the debt is not mine. I want to send the paperwork to the credit reporting agencies, to see if they can help me. Medical Data Systems refuses to send any paperwork regarding the validation of the debt. Please help!!! even though this debt is showing paid, it is lower my credit scores.
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

Hello, I 've been dealing with XXXX XXXX XXXX for the past 6-months. I 've worked with XXXX XXXX XXXX  XXXX XXXX ( a XXXX ) organization for the past three years. I recently found out that they have not been counting my payments towards loan forgiveness over this period. 

I 've been writing them and working with them consistently and finally got a determination that I have qualified for 13-payments. I 've been working for this XXXX for 37-months. I agree that my first year of payments should not count as I was working as an XXXX/XXXX XXXX XXXX fellow and did n't apply my award in a lump sum award. However, the other 25 months I 've worked at my organization should be counted towards forgiveness. 

After my determination, I asked why they did not count the other 12-payments and they simply sent me a chart but did not give me a determination as to how or why they came to this. Similarly they stated in a chart that there were 11-months that they received no payment yet I again have documentation of this. 

Then, they attached a chart which said they did not receive full payments. I have bank records and other documentation showing this is completely false. I truly believe they are lying intentionally. 

They 've said multiple times they 've never received documentation from me but yet I have copies of these things. I would like assistance getting to the bottom of this issue.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

HERE IS ANOTHER LETTER PROOF OF LIES BY THE BANK XX/XX/XXXX FROM XXXX XXXX FROM THE EXECUTIVE OFFICE RESEARCH REMEDIATION DEPT EXECTIVE OFFICE AND SIGNED BY HIM OR HER IT STATES THEY RECEIVE A STOLEN OR, LOST NOTIFICATION AND ON XX/XX/XXXX THEY ISSUED A CARD ENDING ON XXXX WHICH I CLOSED ON SAME DAY, SECOND LETTER FROM XXXX XXXX AND SIGNED BY HER THAT ON XX/XX/XXXX I SPOKE TO HER AND STATED THAT THE ACCOUNT ENDING ON XXXX AND THAT IT WAS MY STEPSON AND THEY CLOSED THE ACCOUNT ON XX/XX/XXXX AND THAT A FRAUD CLAIM WAS FILE BY THEM AND THEY WHENT AND TRANSFER OVER 50 TRANSCATIONS TO IT ALDO THE ACCOUNT HAD BEEN CLOSE ON XX/XX/XXXX AND YOU HAVE THE PROVE OF THE LETTERS SENT BY THEM SIGNED AS WELL AND THAT WAS DONE. 
1- THE ACCOUN ENDING ON XXXX WAS CLOSED BY THE BANK ON XX/XX/XXXX THAT WAS NOT MINE EITHER AND THEY WHENT AND STATED THAT THE CARD ENDING ON XXXX ON XX/XX/XXXX AND IT WAS LOST OR STOLEN AND CREATED ANOTHER ENDING ON XXXX AND FOR 30 DAYS THEY DID AL THIS CASH ADVANCES AS WELL THAT WAS A LIE. I ALSO NEVER HAD THAT CREDIT CARD AND THE CREDITS REPORTS SHOW THAT THE ACCOUNT ENDING ON XXXX WAS OPENED ONXX/XX/XXXX AND THAT WAS ANOTHER LIE YOU HAVE THE PROOF THAT SOMEONE ON THE SIDE OF WELLSFARGO HAS BEEN LYING AND I HAVE FILED A LAWSUIT WITH THE SETTLEMENT PEOPLE. 

ALL THIS IS VERY SIMPLE ALL YOUR PERSONS SIGNED AND PROOF THAT THEY LIED AND HAVE THERE SIGNATURES AND I HAVE ATTACHED THE LETTERS.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.