davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
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. (IL)

I have FTC Report # XXXX for identity theft for fraud. XXXX XXXX  account # XXXX has been compromised. Please review report and attached documentation. Block information immediately from my credit profile. FCRA guidelines states all fraudulent and identity theft activity must be blocked immediately.
Consumer complaint received 2017-05-03
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: U.S. BANCORP (FL)

AN UNAUTHORIZED CHARGE WAS MADE ONT O MY U.S.  BANK PREPAID  VISA ACC OUNT IN THE AMOUNT OF {$6000.00} ON   XXXX   XXXX    2017.  THE CHARGE WAS DISPUTED BY THE CARDHOLDER WITH  U.S.  BANK. THE CARD MEMBER  SERVICE  REPRESENTATIVE  XXXX , DID NOT PROVIDE ANY SUPPORTING DOCUMENTATION TO ME, THE CARDHOLDER NOR TO   VISA   AND O N XX/XX/XXXX    XXXX  BILLED MY ACCOUNT FOR THIS CHARGE. MANAGEMENT OF THE ISSUING BANK HAS BEEN CALLED TWICE A DAY SINCE RECEIVING NOTIFICATION AND LEFT MESSAGES WITHOUT ANY RESPONSE.       1. THE MERCHANT WHO CHARGED THE ACCOUNT HAS A DIFFERENT NAME ON THE DOCUMENTATION THEN THAT OF THE CARDHOLDER.
2. THE CARD WAS NOT SWIPED BUT MANUALLY ENTERED BY THE MERCHANT AND NOTHING HAS BEEN SIGNED BY THE CARDHOLDER.
3  . THE MERCHANT CLAIMS THAT A SERVICE HAD BEEN PERFORMED BUT FAILED TO PROVIDE ANY DOCUMENTATION OF PROOF. THE MERCHANT PROVIDED PHOTOGRAPHS OF WHICH HAD NOT RELEVANCE TO THE CHARGE.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (IL)

NCB Management Services is incorrectly reporting a closed account as open as a negative collection on my  XX/XX/XXXX  and   XXXX   XXXX   credit report. This account was included in my chapter  XXXX  bankruptcy which was discharged i n  XXXX / XXXX /   2017. Th ey should not be constantly reporting negatively on my report. I filed a dispute with   XXXX   XXXX   on  XXXX / XXXX  /2017.  Who stated that the company would not cooperate with. I feel that this is unfair reporting on this companies part.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I am being told by Navient on a fixed rate student loan that interest accrues daily and if I pay before my due date that additional interest accrues if I do not pay exactly same date following month. Due date XXXX of each month. Payments on XX/XX/XXXX and then on XX/XX/XXXX caused increase in interest charged because more than 30 days between payments even though payments were made ahead of schedule NOT LATE. Navient never offered/ was told could not use deferment option until after 60 months of forbearances were used up first. Also told could not qualify for teacher loan forgiveness program because of consolidation after cut off date which was not new loan. Original Loan XXXX. Have paid XXXX, XXXX. Told still owe XXXX, XXXX. Please help.
Consumer complaint received 2018-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (NJ)

On XX/XX/XXXX I called during business hours early in the day to get a new debit card because my old one was lost I also lost another card the same day and called for replacement. The one card netspend when I called they said no problem to the replacement but if I wanted it in the next 5 days they would have to XXXX for a price of {$50.00} I declined it so they said my card would come within 7-10 business days. On XX/XX/XXXX they texted me to say my card is on it's way. Today it is the XXXX and still no card I called to find out what happened they said that if I don't get my card by XXXX XXXX I should call back. My complaint is they force you to get your card XXXX XXXX   because they don't make any money on mailing you out a new card through regular mail. I have prescriptions to be filled and rent to be paid my monthly pension check comes on this card so I have no money until I get the new card. I called Social Security right after I called netspend and XXXX XXXX told me the card should be to me in 7-10 business days I received the card on XXXX. I know the FTC has won a settlement against netspend but it seems like they did not learn any lessons from that nor did they change any practices. I am not sure what can be done but I am trying to find an alternative from my pension plan but I know I am not alone. As charging extreme amounts to get your card sooner and make you suffer to get your card by mail take super long. Right now they are holding my pension hostage until I get my card.
Consumer complaint received 2017-05-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XXXX   XXXX   XXXX    I been trying to get a short sale through with Ocwen its now    XXXX   XXXX    and still no sign of it going though. All the paper work has been filed by both parties the owner  (     XXXX   XXXX     )  and the buyer and sent to Ocwen. My agent  XXXX   XXXX , a relator with  XXXX   XXXX  hears they (  Ocwen   )  are waiting on the lender. As of    XXXX   XXXX   XXXX     My  agent  XXXX   XXXX  had me on a  3  way call with Ocwen. I was not to speak for she did not want them to know I was on the other line. We was informed that the paper work was never summited to the lender instead it was passed on from under writer to under writer and no one has ever touch the file. My agent was told to call back Friday for an up date but that 's all we been hearing since the beginning. I am already going on  XXXX  bpos my perfect  credit score  from  XXXX  has dropped to the low  XXXX  's I have no idea what to do. You can reach me    XXXX   XXXX    at    XXXX   XXXX   XXXX    or my Agent  XXXX   XXXX  with  XXXX   XXXX  at    XXXX   XXXX   XXXX
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XX/XX/2018, I opened up a new account at Citi Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX branch. Citi had promotion through XX/XX/2018 that {$600.00} cash bonuses will be given for new customers who deposits {$50000.00} and maintain this balance for a month. The bank staff XXXX at this branch went through all the procedure and requested all the information from me. She confirmed she had everything needed for opening my account. 
On XX/XX/2018, I deposited {$50000.00} into the Citi checking account and since then always maintained {$50000.00} account balance. 
On XX/XX/2018, I received a phone call from Citi Bank customer service, claiming he wanted to obtain additional information regarding my salary and employer. I provided all the information to him. The customer representative in the end told us on the phone that my profile is now complete. 
I subsequently visited Citi Bank local branch in XXXX and spoke with XXXX, the branch manager. I wanted to make sure nothing was wrong with my account. She then called Citi customer service in front of me. With her assistance, we repeated the required personal information to Citi Bank customer service center and XXXX assured us they got 100 % everything. 
On XX/XX/2018, when I was expecting the {$600.00} cash bonus paid us XXXX, I received a letter from Citi Bank stating that my account was closed on XX/XX/2018, without any reason. They refunded me with the {$50000.00} check but failed to include the {$600.00} bonuses that I was eligible for. The date they closed my account was one month, the threshold for getting the cash bonus. It is clear that they intended to take my {$50000.00} saving with them for free for 30 days. This is commercial fraud and also breach of contract. 
I then contacted Citi Bank through phone calls and visits requesting for a reason since XXXX XXXX. They promised to investigate but I did not hear anything back from them. All they told me was : Citi Bank has a right to close customer 's account at any time- No reason was needed! This is shocking for banking industry. 
I wanted this matter to be given attention to and someone would investigate into Citi Bank. I do not know how many customers and consumers suffered financial harm because of Citi 's fraud and scheme!
Consumer complaint received 2017-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

I made arrangem ents with Navient in   XXXX   XXXX  to pay {$100.00} every month that was automatically drafted from my bank account.     I lost my job in  XXXX   XXXX  and when they call to ask if I can make a payment and I explain that I ca n't they say they will mark it as failure to pay.     In late  XXXX , a gentleman from Navient called to see if I would be interested repayment options and I told him I would. He then asked me about my co-signer. I asked him what did the co-signer have to do with repayment options. He hung up the phone.     This company is not interested in helping consumers repay their loans. I paid for a year and the balance never decreased.
Consumer complaint received 2017-05-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (WA)

Speedy Cash  hacked into my personal account without notifying me when I was making payments and saved my card information even though I have n't changed my banking information and illegally collected the remaining loan amount from my account. These  XXXX  at the banks and IRS think their going to make everyone 's credit decision fraudulently for them because their the sickest  XXXX .
Consumer complaint received 2017-05-03
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 ()

I live in  XXXX   XXXX   XXXX  and I have a Visa credit card with Bank of America that I only use in the USA and they can verify mi card has not been used before outside the USA. On the      XXXX   XXXX   XXXX        I entered the online banking account and I noticed  two  charges on my credit card which I do n't recognized. The  two  charges appeared on the bank page to had beed made on the   XXXX   XXXX   XXXX    2017  and I called the bank to report a fraud on the   XXXX   XXXX   XXXX      2017 . This were for {$5200.00} and {$5000.00}. The bank says the chip on my card was read for this transaction and that is not possible since my car is always kept in my safe box and I only take it out when I travel to the USA. Im completely sure that no one had access to my card. I requested a copy on the vouchers for this transactions and I finally received them yesterday, and verified that the signature on this vouchers are not my signature and are very different from the signature I have registered at the bank, also the personal ID number on the voucher is not mine either. In the vouchers the transactions appeared to be made on the    XXXX   XXXX   XXXX   XXXX   XXXX       2017  and now on the online bank page they are both dated on the   XXXX   XXXX   XXXX     and not on the   XXXX   XXXX   XXXX   as I saw for the firs time. Considering the amount on this transactions the merchant must have requested a valid ID at the moment of running the card and they should have verified if name on ID matched name on card. Also according to the security benefits the bank offers on credit cards they block transactions with abnormal behavior. This is a perfect example, first because the card was being charged by an overseas merchant for the first time and second the amount of more than  XXXX   XXXX  dollars for each transaction is not normal and the bank didn'tt block this transactions. With the facts Im providing you, should be enough reason to consider this transactions as fraud but the bank for the second time does not consider so. I have reopened my fraud complain with the bank for the third time with all this arguments with no intentions to reimburse me the amount charged on this transactions. This is the reason Im requesting your help.
Consumer complaint received 2018-09-29
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: EQUIFAX, INC. (LA)

My Equifax report cant be accessed by myself or my bank. After contacting Equifax XX/XX/2018 .. they advised me for the 7th time within a month that they are working on it and would either call or send a letter once the issue is fixed. Needless to say they never contacted me or fixed the issue. Im trying to purchase a home but can because the file is not excessable.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I have requested that my HSBC Credit Card Acct. be closed over and over again however this bank is horrible and they refuse to comply. Its a simple request and shouldn't take an act of XXXX but obviously it does.
Consumer complaint received 2018-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

XXXX XXXX put me in nearly {$50000.00} worth of student loan debt with promises to help me gain employment upon completion. The school closed, I did not receive help finding employment, and the education they gave me left me unqualified to take a job doing what the XXXX XXXX XXXX promised. I can not get work to pay back the loans. I do not know how to get relief for these damages.
Consumer complaint received 2018-07-10
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: Experian Information Solutions Inc. (TX)

My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at XXXX top score XXXX. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair, good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is Experian, XXXX, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of XXXX divided by bad, poor, fair, good, excellent you have XXXX in between the XXXX score and the XXXX score. My score falls in the line of fair and once it reaches XXXX my rating should read good. Experian has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is XXXX XXXX.
Consumer complaint received 2018-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Navient is stating my account is overdue. While in school ( still enrolled as a full time student ) I attempted to make payments that were denied by Navient which i think is an attempt to tack on interest. Recently receiving notices I am past due but they are refusing to look at any proof of enrollment I have sent to them. Classes resume on XX/XX/XXXX but they are telling me I will be have negative credit reporting if i dont pay. XXXX XXXX is handling my other accounts. They ( XXXX ) have already updated all my informarion for forbearance due to full time enrollment and i have NEVER had a problem with them in the past. This is an ongoing 3 month long issue that has yet to be resolved and of course I'm the consumer so they are trying to railroad me.
Consumer complaint received 2017-06-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Assistance Inc (WA)

Contacted by  XXXX   XXXX  from  Financial Assistance. As ked her to send me proof of the contract I signed she refused and started yelling how she will sue me and tried to get my address so she can serve. Would not let me get a word in, just kept yelling and making threats. I also told them before not to contact me on my personal cellphone number and she still did.
Consumer complaint received 2017-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Best Service Co.,Inc (CA)

The original debt from the   XXXX   XXXX   XXXX   XXXX   was {$5000.00} and I had paid it down to {$4300.00} by  XX/XX/XXXX  it was {$3800.00}. On  XX/XX/XXXX  I was served court papers at   XXXX   XXXX  ., from The Best Service Company. I called them to find out why were they doing this and   XXXX   XXXX   stated that I told him not to call my job any more so he is suing me! I tried to explain that by him yelling at me and threatening me is not allowed. He then stated that if I wanted to stop the court proceedings I would have to pay the clerk of the court fees of {$220.00} the first payment and then the second payment on  XX/XX/XXXX . In  XX/XX/XXXX  I was placed on disability and was not receiving my full pay so I called the companies I owed the situation. I could not contact The Best Service Company because I did not have a phone number nor an address. I received a letter on XX/XX/XXXX  from the Best Service Company stating I have missed three payments of {$120.00} a month and I need to cure this default of {$370.00} in 10 days. I borrowed the money and I have been current. I called   XXXX   XXXX    on XX/XX/XXXX  to ask if I could pay half of my debt which at that time was {$3400.00} with  XXXX  payment.  XXXX  said when you get the money to call him back. On XX/XX/XXXX  I called him back but he did not answer the call. I left a msg that I have borrowed {$1400.00}. I called again the same day and he answered and right away he was rude and would not take the money I offered, but he said I was late with my payment. So I paid {$120.00} and hung up the phone! Yesterday I received an alert from  XXXX  regarding my credit score! I signed on a it was the Best Service Company it had said I was seriously delinquent on XX/XX/XXXX ! I called   XXXX   XXXX   and I was hysterical and crying trying to explain that I have been trying to fix my credit score and you stated I was seriously delinquent. He yelled at me " you do not tell me what I can do and matter you are being rude to me and when you learn how to talk to me you can call me back. So I told hi I am not being rude but how does he think this is fair! He stated that as of right now the amount you owe is {$3800.00} you were late this month with your payment and if you are late again it will go up again! I will never be able to pay this off if he continues to do this, please help me!
Consumer complaint received 2018-07-11
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: DISCOVER BANK (MA)

on XX/XX/XXXX, I cancelled my XXXX  XXXX acct. and my discover card. XXXX had a XXXX balance and XXXX XXXX billed it again. I have talked to XXXX XXXX  and discover constantly since XXXX. They both continue to bill me and have reduced my credit rating from XXXX to now XXXX and my balance with interest and charges is XXXX. I sent copies to XXXX XXXX by fax to a XXXX and she said that was all she needed. She is now asking for all the bills from XXXX to the present date XX/XX/XXXX again. I appreciated the use of XXXX XXXX when I had no cell phone service. I moved last XXXX to XXXX and have cell phone and internet service now. From the time I cancelled XXXX XXXX and discover, I have not used the discover card at all!!. Discover gives me the run around and so does XXXX XXXX