davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

As an XXXX who has used credit in the past, I was more than likely part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Global Payments Check Services, Inc. (CA)

On XXXX XXXX 2017, I authorized an electronic bank transfer from XXXX XXXX XXXX XXXX for {$300.00}. XXXX 's charged me {$4.00} for the service and they gave me {$300.00}. So, {$300.00} was taken out of my checking account. Later, I discovered on my bank statement another {$300.00} ( exactly, no service charge ) from the adjacent casino, XXXX, referencing the same bank transfer number from XXXX 's ( XXXX ). I did not request this transfer, nor did I receive {$300.00} from XXXX. I disputed the charge from my bank, and the XXXX XXXX XXXX investigation determined that it was in error or an intentional criminal act. XXXX XXXX XXXX credited my account for {$300.00} and sent me a letter memorializing the results of their investigation. Since then, however, I have gotten over a dozen phone calls and two letters from a debt collection company calling themselves Global Payments Check Services out of XXXX IL, XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX. They are demanding I pay them {$320.00} or they will ruin my credit and threaten my SS number. I told them on the phone and wrote a letter explaining that I did not authorize nor receive any money from XXXX XXXX and to stop harassing me. They have never stopped.
Consumer complaint received 2017-09-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC (MI)

THEY ARE CALLING ME EVERY DAY WITH DIFFERENT ROBO CALL # 'S SAYING SHE IS XXXX. THEN SAYING THAT WE NED TO SPEAK WITH YOU IN REGARDS TO YOU WHEREABOUTS. IF WE CAN NOT VERIFY THIS INFORMATION THROUGH YOU THE LAW ALLOWS US TO CONTACT ALL REFERENCES ON FILE. CALL THIS # XXXX CALLED ON XXXX/17 WITH THIS # XXXX, SAME INFO SAME NAME LEFT XXXX, THEY HAVE ALSO CONTACTED MY EX HUSBAND AND LEFT THE SAME MESSAGES. 

I NEED TO KNOW WHAT I CAN DO TO HAVE THE STOP CALLING THEY ARE A SCAM. I GET A FEW OTHERS LIKE THIS TOO, WHICH I AM GOING TO GO BACK A FILE LIKE THIS ONE.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NY)

It was brought to my attention a few weeks ago that i had an account in collections. I contacted XXXX XXXX that same day to see why they were reporting that I was in collections. I was hesitant to give them my personal information because of all the scamming going on.I gave them my name and nothing came up.I then gave them my address and got the same results ... .nothing.I gave them only my last four of my ssn and they found it.I then discovered why they could n't find me, all the info they had was incorrect except for my ssn.I told them i wanted it disputed right away. I was told to was 60 days for a response.I cant wait that long, its ruining my perfect credit. I 've call every week since and still no updates.They just hang up when I ask to speak to a supervisor!!!!!!
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (OH)

AMCA letter asking me to pay an amount of {$81.00} to them. " If payment is not made within twenty-one days, your account will be reviewed for additional collection efforts. '' They listed the service provider as XXXX XXXX XXXX. I did not pay this bill because I have paid the {$30.00} debt I owed to XXXX already. 

I called the number the letter provided me, XXXX and it is an automated English accent that did not seem professional.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I should not have to pay money to freeze my credit due to Equifax 's egregious error. Because of Equifax 's fault, I 'm now on the hook for the money to freeze my credit with the reporting agencies.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

My Equifax credit file was one of the more than 163 Million accounts that was breach from sometime in XXXX XXXX through XXXX XXXX. Although, Equifax was aware of this breach, they did not reveal it to the public until early XXXX XXXX. When Equifax offered a " solution '' by offering " Free '', their product, Trusted ID True Premier Theft Protection, I decided to sign up to try and protect my ( exposed ) credit file. After I signed up for this Equifax product, I learned that I was agreeing to give up my rights to seek damages from Equifax through other avenues at a later date. The disclosure is buried somewhere in fine print. 
After further research on my part, it came to my attention that the ID protection that Equifax offers is subject to " Spooing '' attacks. 
I have no confidence in Equifax. 
In my opinion, as a major Trusted reporting agency Equifax handled this situation very poorly. I am disappointed, and very dissatisfied as a consumer.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MA)

I was making a purchase online with a store credit card that I have had for about five years. The purchase was for two items that amounted to XXXX-XXXX XXXX dollars. I have a credit limit of {$1200.00}. I had no balance at the, I had tried to make a purchase in XX/XX/XXXX and XX/XX/XXXX. I was directed to contact customer service, and I did. The rep for the company told me that because I had not purchased anything for so many months they had to do credit check etc. Ten days later, They sent a message that They closed my account.I have never been late with this bank, and have two store credit cards with this bank and with had no balance due to them with credit amounts of {$1200.00} and XXXX. They closed my account in XX/XX/XXXX. Then on XX/XX/XXXX the company sent me a letter that read that I requested to have my account closed, which is absolutely false. They closed the account, and when I spoke to a rep. at this company, they seen I was having a sever hardship with other accounts, due to my Mother, Father, and Father in laws, XXXX  that Happened within an eight month period. They all were XXXX of different horrible, debilitating XXXX  and all needed help while they were XXXX.I had no balance or owed any money to this bank, so I did not request to close my account, and when I sent a letter to the company about this situation, they sent this bogus false letter of my request to close it.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Hi, I would like to file complaint concerning theft or loss of my money at Bank of America. Despite numerous attempts to resolve this problem with Bank of America, I am still not getting anywhere on this. In CFPB case XXXX, I have learned that Bank of America escheated my property to State of Wisconsin. So, I contacted State of Wisconsin, their response ( in writing from the DOR Unclaimed Property Division ) is the following : " I have looked under your name and I can not find anything under your name. You will need to contact Bank of America, we can not help you claim your unclaimed property if we can not find it. Its possible Bank of America misspelled your name or make a data entry error when the property was sent to us. You will need to go back to Bank of America and talk to them. They have more information about the property then us. '' I did as instructed by the State of Wisconsin. In my email sent to Bank of America on XXXX XXXX, 2017, and also in CFPB case XXXX, I provided Bank of America the response that I received from State of Wisconsin, and I asked Bank of America to find my money. Bank of America has not addressed this problem, neither via email nor in CFPB case XXXX. I STILL DO NOT KNOW WHERE MY MONEY IS. I do not want to call any phone number at Bank of America as XXXX XXXX from Bank of America suggests to listen to their excuses. THIS IS BANK OF AMERICA 'S PROBLEM ; BANK OF AMERICA LOST MY MONEY. I WANT BANK OF AMERICA TO CONTACT STATE OF WISCONSIN TO FIGURE THIS PROBLEM OUT, AND TO FIND MY MONEY, and tell me where it is IN WRITING! AND WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS. I am so disappointed with Bank of America that I am almost ready to report my experience in national media!!!
Consumer complaint received 2017-09-13
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. (ID)

Navient is attempting to charge monthly payments on my account even though I am enrolled in school full time. The company claims I have not been verified by my school or the NSLDS. I have checked both sites and I have been given proof of enrollment by them as provided below.
Consumer complaint received 2017-09-13
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. (CA)

XXXX XXXX XXXX account XXXX is wrongfully reporting on XXXX, XXXX and experian credit bureaus.XXXX is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately XXXX dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to XXXX XXXX.
Consumer complaint received 2017-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (RI)

I applied for a loan and was approved for {$200.00}. Before I accepted I looked at the payment amounts, how many months and interest rate. They had XXXX options. {$58.00} @ 13 months. {$54.00} @ 20 months. And {$53.00} @ 26 months. All with an interest rate of 697 %. This company should be shut down and all current loans should be forgiven. This is highway robbery at it 's finest and should not be allowed.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (AZ)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Consumer complaint received 2017-09-13
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. (CO)

Transunion offers a service called XXXX that provides landlords with full credit and criminal background checks at the expense of the renter. 

When I called to ask about obtaining a copy of my credit report in XXXX, I was directed to the FAQ on the website which directed me to call transunion directly. The operator was unsure of how to proceed and I have yet to receive a copy of the information that I was charged for, and that was provided to a prospective landlord. 

It has been more than a month and the process seems to be intentionally designed to confuse and deter people from accessing the information that they pay for. It is deceptive business practice at best, and outright illegal at worst.
Consumer complaint received 2017-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MIDCOUNTRY FINANCIAL CORP (WI)

Had a loan with Heights Finance. My daughter had a XXXX and was not working. My daughter and I live in the same house only different apartments. We combined our money to pay bills. It got tight but were doing our best to keep up. On XX/XX/XXXXheights finance discussed my entire acct with my daughter without my permission including payment amount and deferring a payment on the loan including the exact amounts needed to pay the loan and made payment arrangements on my acct without written consent. XXXX at our local branch then proceeded to call me and tell me that my daughter was XXXX and did n't know what she was doing and i should n't be helping her out with her bills, which is none of their business.
Consumer complaint received 2018-05-08
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. (VA)

My Sallie Mae Loans were purchased by Navient. There are three loans in my name XXXX XXXX XXXX. On loan # XXXX since inception have paid {$27000.00} yet the loan balance has INCREASED by {$860.00}. Navient has taken lump sum payments i.e. {$300.00}, XXXX, XXXX and applied the majority to interest. In addition there is capitalized interest, forbearance fees, etc. The amortization schedule they provide does not reflect the beginning balance less payments ; instead it shows the payment whether it was applied to interest, fees or principal. 

In 2017 I paid {$5700.00} with ONLY {$270.00} credited to principal. In an attempt to understand/correct this situation I have made numerous phone calls without any resolution. It is impossible to get a straight, honest answer. 

My job is as a flight attendant earning approximately {$25000.00} per year. These loans are creating an unimaginable hardship on me financially and is creating an extremely stressful situation in my life.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NC)

I applied for a XXXX 's credit card online and was turned down in a letter to me dated XX/XX/2018 stating " Unable to verify identity information ''. I immediately call the XXXX phone number provided in the letter to rectify the problem. After speaking to a supervisor I was told the cell phone # given wasn't the one in my credit file. I explained that I no longer have that phone and use one that is under my employers business name. I was told they needed to send a text message to a phone registered in my name. 

At that point I told them I have a landline home phone registered in my name through the cable company. The supervisor claimed a message was sent to it, but didn't work. She asked if I had blocked the phone from getting them. To the best of knowledge cordless landline phones can't receive messages of that type. 

Next step was me asking if there were any other ways to identify me. The answer I received was no and that the application couldn't be further processed. I called the Executive Office at the XXXX 's I shop at to complain and was basically told the store had nothing to do with it. I was then transferred to a sales manager on duty who said she would try and help. Never got back to me! 

I then called the XXXX 's corporate office in XXXX, OH. Ended up with a rep. from the wrong dep. that transferred me to what he said is the right dept.. It too turned out to be wrong and when I was supposedly transferred to the correct one the call was disconnected. 

My contention is XXXX 's by not asking me to go into one of their location with a picture ID to identify me discriminated in offering credit. Also nowhere on the XXXX 's web site does it state in order to get a credit card there must be a cell phone in the applicants name.
Consumer complaint received 2017-08-13
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: Experian Information Solutions Inc. (FL)

I spoke with XXXX XXXX XXXX whom is a collection agency for XXXX XXXX XXXX XXXX XXXX. I paid the balance in full. The representative advised me once paid in full XXXX XXXX XXXX and XXXX XXXX will remove the account from my credit report. XXXX XXXX XXXX refuses to update my balance to XXXX dollars owed on all 3 major credit bureaus or delete the account as promised. This is having a negative impact on my credit report.
Consumer complaint received 2017-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MS)

I have been battling against this company for months now. They are stating that I owe two different debts in the amount of {$900.00} and {$430.00}. I called them at their phone number of which no one could give me valid information. I was simply told that it is my debt and I must pay them should I decide not to pay them they will continue to contact me via telephone and harass me until I pay them in full. Again I have never done business with this company, I have never signed to release any type of information to this company, and lastly they refuse to send me any proof stating I actually owe them or showing me any type of signatures or identification I used to allow this agency to collect my information. These collections in the amount of {$900.00} and {$430.00} both appears on my credit report X/XX/2017 and I have been contacting them ever since only to get nowhere.
Consumer complaint received 2018-05-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Dealer Services has abused my rights as a consumer, by using the power of the 3 credit bureaus. On XX/XX/XXXX i purchased a used vehicle WFDS issued me the loan and i accepted it. My payments were XXXX per month. I paid my monthly payments till after around 13 or 14 months later WFDS decided that my insurance wasn ; t good enough and issued me their own insurance. Everything got very confusing my payments changed, as to even in XX/XX/XXXX they made me pay XXXX. I said i dont understand why the XXXX their reply was your payment raised i paid it then they wanted me to pay XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on top of XXXX the new payment they raised me to. I could not make the payment which forced me into falling behind. I was looking at repossession now. On XX/XX/XXXX WFDS accepted another XXXX told me that i would be fine with the repossession and in the meantime a truck pulled up in front of my house trying to repossess the car, they were unable to do it that day since the car was in the mechanic shop. That forced me into doing a Bankruptcy to get protection from the Federal Judge. I received my protection. In the meantime WFDS has instated wrong information on my credit report for the last 3 years or more, wrong dates, wrong amounts, and a separate account for their insurance. I have not tried to resolve this before because my husband has been very ill for the last 4 years, undergoing extensive XXXX, but today hes doing much better, and i am here trying to resolve this matter.
Consumer complaint received 2017-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has been reporting derogatory information on my credit reports. I 've made attempts on XXXX/XXXX/17 and X/XX/17 to rectify my concern by sending a certified letter disputing this account. Portfolio Recovery stated on a letter that they have reviewed documents related to the account which establish its validity as mine. This is ludicrous .... First of all I 've never ever lived in XXXX, Arizona. Secondly a billing statement does not prove the validity of a falsely account as mine. This derogatory information is a false statement on my account and is affecting my credit history, worthiness, and ability for future credit establishment.