davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXXwhen {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXXwhen {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Consumer complaint received 2017-08-12
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. (GA)

I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : XXXX XXXX Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.
Consumer complaint received 2018-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WI)

Six months ago, around XX/XX/XXXX and XX/XX/XXXX my PayPal account was hacked. The person managed to hack another person to send money to my account and get the money. Since then my paypal account was negative for a period of time till I got calls about the money being owed and eventually got a letter from collections. I tried to contact paypal multiple times to tell them that it wasnt me and that I was hacked. Im hard of XXXX  and have XXXX, so I have problems with communicating with people in real life and sometimes go online to chat and without realizing it I give my personal info by accident. I wrote a letter explaining this to PayPal but I got a letter again dated XX/XX/XXXX saying I had to pay {$1700.00} but they will settle for {$1200.00}. I can not afford to pay this, especially for something that wasnt my fault at all. PayPal is more trouble than its worth and needs to be flagged. They take advantage of a lot of people. I already have credit isssues and Im in the process of trying to fix it but this makes it worse. Please tell me something can be done, I dont know what else to do.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

Fair collections and Outsourcing is trying to collect on a debt not owed to them. On mine and my wife 's credit report is an account from them stating we owe {$600.00}. A letter was written to them asking to provide validity of proof of what is owed with our signatures and we never got a response, just letters offering a settlement for half the amount and an update to satified in full on our credit reports. The account we do not acknowledge.
Consumer complaint received 2018-02-26
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. (NC)

I spoke with a TransUnion repeatedly about unauthorized fraud applications being file on my report they are refusing to help me by disputing. I placed a fraud lock on my profile and XXXX  XXXX XXXX and another credit on SaturdayXX/XX/XXXXplace a hard inquiry on my report. I am requesting this to be removed as I did not apply to these companies. TransUnion is refusing to assist
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (WA)

Dear Sir or Madam, I recently discovered I was being charged huge interest on a Care Credit card that had been promoted as free financing for XXXX XXXX done in 2013. The company, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX AZ XXXX ( ph. XXXX ), represented by XXXX XXXX ( Director of XXXX XXXX and XXXX XXXX ) promoted interest free financing in an effort to get me to sign up for a Care Credit card. I was referred by her to XXXX XXXX in XXXX 2013. He told me that there was to be " no interest on the full amount of the charges for this XXXX XXXX until fully paid off ''. This was a promotional offer, the sole purpose of which was to " promote my use of the card for further purchases. '' This was untrue. At the end of an unmentioned 2 year promotional period, I was charged the accrued interest at 26.99 % for that two year period. The amount of that interest was {$2400.00}. I was not shown, nor was I verbally informed of any promotional period that involved a payment of accrued interest when it expired. Upon questioning XXXX XXXX about this, she sent me two Care Credit Sales Drafts of that agreement that were UNSIGNED. They were unsigned because I never saw them at any time during the meeting with XXXX XXXX. If I had, I would certainly not have signed such a poor agreement. ( These unsigned sales drafts are included in the attachments ). I made the mistake of allowing an automatic debit to take place on this card along with online statements, thinking that ( as XXXX led me to believe ) the principal would simply get paid down. While it would have been in my interest to have regular statements delivered, during that period my wife developed XXXX and for the following couple of years I was preoccupied with her care and the details of her eventual death. Meanwhile, the card was not getting paid down at all. In fact it was developing the horrendous compound interest which I only discovered recently. I have heard of this sort of activity by unscrupulous credit card companies, but never believed a company like XXXX would be involved in such activities. As I indicated to XXXX XXXX, I feel like a rube at a carnival that has just been duped out his hard earned cash. The attachments include emails between myself and XXXX XXXX, along with the unsigned Care Credit sales drafts, my original financial agreement and the credit card statement for the month the lump sum was added to my account. Please note that the emails/attachements time line reads from BOTTOM to  TOP. Thanks for your help, Cheers, XXXX XXXX
Consumer complaint received 2018-02-26
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: Fidelity National Information Services, Inc. (FNIS) (FL)

CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX  AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

This complaint is in followup to Complaint ID XXXX, which i submitted in XX/XX/XXXX. Details can be found therein. I have tried to work diligently with Wells Fargo for well over a year to address the small business credit cards Wells Fargo opened and assigned me personal liability. The account opening documents they provided me as evidence contain signatures nowhere close to my signature. I have documented the following details to Wells Fargo : 1. I was unaware of any application for their credit cards 2. The signatures attributed to me on the application forms, which they provided me at my request in XX/XX/XXXX, well after the accounts had been shut down, are clearly not mine. 3. Wells Fargo never contacted me to verify the applications before approving them. 4. I never activated or used any of the cards issued. Despite explaining these points to Wells Fargo multiple times in writing, Wells Fargo continues to insist no fraudulent activity occurred, and claiming i am responsible for charges on the cards they issued. Wells Fargo has avoided responding to the following points : - The signatures on their application forms are not mine. How could their employee possibly be unaware the application contained forged signatures? - Are n't employees required to verify the identify of an applicant by checking a picture ID? If not, why not? - How does Wells Fargo know its employee was not complicit in submitting a fraudulent account in order to meet a sales goal? - Did Wells Fargo have no controls in place in its account opening process to ensure the applications they receive are valid? Why was i not contacted to verify the application? Please help me to obtain resolution of this issue. Simply funneling my complaint on to Wells Fargo, then closing this claim, which you did in XX/XX/XXXX, obviously was not sufficient. Do let me know if helpful for me to provide you copies of communications between Wells Fargo and me regarding this issue.
Consumer complaint received 2018-02-26
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: JPMORGAN CHASE & CO. (UT)

I had 3 charges on my XXXX debit card with Chase Bank On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada all charges where made on my card when multiple other charges ( made by me ) on the same day originated in XXXX Utah. Chase bank is refusing to reverse the charges all charges were made somewhere I had never done business or work with before at the the same time I was using my card in XXXX.
Consumer complaint received 2018-02-26
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IL)

My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX  XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AZ)

Please refer to my previous complaint XXXX on X/XX/2017 This a fresh or new complaint about the same card product.
I have added this card into my userprofile at americanexpress.com which already had my blue rewards card.
When i have all my cards added to my user profile - why did n't the new card ( Delta Skymiles card ) are having auto pay setup as per the user profile? and Amex can not have the excuse that we have to verify the bank account or user might wanted to pay using some other way - that 's all lousy excuses. Moreover I have constant issue with the customer service chat : 1 ) I can not save, print or sent the chat via email - every other financial institution let me do that - why not Amex? Is Amex does n't want to be on the record?
2 ) As per AZ law every conversation that i am part of should be recorded by me - if Amex is recording the chat - why not me?
3 ) And why it is so difficult to reach the customer service? Almost a wait of 9 minutes on the chat. Is this what Amex is bragging about JD Power Customer satisfaction award?
Consumer complaint received 2017-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I am a beneficiary to an IRA account held at Merrill Lynch wealth management. XXXX XXXX, 2017, I completed all paperwork to have my portion of the Merrill Lynch IRA distributed from Merrill Lynch to my XXXX XXXX IRA account. As of XXXX XXXX, 2017 my portion of beneficiary money has not been deposited into my XXXX account.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im going to attach these documents to support my complaint. XXXX XXXX XXXX is reporting this account to all three CRA I reached out to XXXX XXXX  and this is what they said to me. They told me to reach out to the CRA to correct this information well when I did I got no proper investigation. So now XXXX XXXX XXXX can report an account that they have no proper documentation on no signed signature of mine ... Section 609 of the FCRA states you have to have proper documentationXXXX XXXX  2017 is when I started my disputes I got nothing back but these documents. What form of verification or steps did Transunion, XXXX and XXXX   take to investigate this account none of the CRA sent me anything on how they pro formed an investigation.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/16 my Wife and I purchased through XXXX XXXX online an XXXX XXXX XXXX XXXX XXXX for {$740.00} for our home using a combo of our own money, XXXX XXXX Gift Cards and {$520.00} XXXX XXXX " Loyalty Rewards '' Certificate we had previously accrued by purchasing thousand of dollars in XXXX XXXX Dining Room furniture. The dining room furniture was quite expensive, but the sales person stated we would be able to accrue {$520.00} in XXXX XXXX Loyalty Rewards, which sealed the deal. At no time were limitations disclosed on the Loyalty Rewards Program. After we received the Chandelier we realized it was too large for our dining room and returned it to the XXXX XXXX in XXXX XXXX, Ct. The staff said since our purchase was online the full credit due of {$740.00} could not be issued on-site the product would have to be returned and we would get a XXXX XXXX Store Card Credit for that amount of {$740.00}. This never occurred and Customer Service stated today to our shock we " forfeited '' our {$520.00} " Loyalty Rewards '' by returning the Chandelier and only refunded the difference of {$220.00}. All of this was NEVER disclosed to my Wife and I by our in-store sales person, where we accrued the " loyalty rewards '' by purchasing the XXXX XXXX Dining Room set, or by the online live customer service representative when we purchased the Chandelier on XX/XX/16.
Consumer complaint received 2017-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (CA)

UHEAA ombudsman employees have been applying all principal payments to my interest and unaccrued interest which is incorrect, changing expected payoff dates to XX/XX/XXXX in which all four loans expected payoff dates should be 36months/ year XX/XX/XXXX, illegally deleting each indivual monthly payments ( paid towards principal balances ) ( All interest owed was paid off ) ( UHEAA ombudsman added/ applied all interest back towards all four principal balances knowing that borrower had paid off all the accrued interest applied to all four loans since XX/XX/XXXX ( Unsub/Sub loans ) and XX/XX/XXXX ( Unsub/Sub ) at 6.8 %. Combined four loans total should be XXXX and not over 10k when all monthly payments are doubled and unacurrued interest is added into my monthly payments. Overage payments are to be applied towards principal balances not applied towards interest. Interest should not be higher then principal payments unless I missed payments. I have never missed nor Ben late on monthly payments. When I informed UHEAA of the countless errors they are making, in response to my complaint the errors would be corrected on each of my four loans, instead they apply unacurrued interest calculating from expected payoff dates XX/XX/XXXX and applying it towards all four loan balances. Illegally changing dates, moving monthly payments around to other loans. One balance higher then the other they would go in and remove payments that have been applied or applied incorrectly and apply it to another loan with a small payoff balances ; then turn around and add more unacurrued interest to all four loans again.
Consumer complaint received 2018-02-26
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. (NY)

I took out this Navient ( formerly XXXX XXXX ) student loan for my son - it started in XX/XX/XXXX. Over the next 3 years, we borrowed a net total of {$95000.00}. Since XX/XX/XXXX, we have paid them {$91000.00}. We have very rarely paid late ( 6 times in all, and on those occasions we paid double to show good faith, we paid late because we simply forgot - we pay on line and do not receive invoices in the mail ). There are months where we pay XXXX, and over XXXX is interest. 
How can this be legal? Out of the {$91000.00} that we have paid, only {$29000.00} was applied to principal, and {$62000.00} was applied to interest. My problem with this is that I have had several unsecured loans in the past, at around 8 %, and it was nothing like this. My current balance is {$66000.00}, and they project my payments ending in XX/XX/XXXX? Really? I have tried to get my interest rate changed and they told me to call my congressman. Attached are all of the documents. I believe this is slanted, not transparent from the beginning, and absolutely unfair. 
Please help me to do something about this. If I had known I was taking a loan from criminals that would be spread over a 25 year period, and would be this slanted - I would have never done it.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please see : XXXX : XXXX XXXX XXXX XXXX Overview Website XXXX XX/XX/2018 Helpful ( XXXX ) XXXX XXXX XXXX `XXXX These people are scam artists that prey on innocent people seeking employment in an attempt to steal their identity. '' Current Employee - Customer Service Representative in XXXX XXXX, CA Doesn't Recommend Negative Outlook Disapproves of CEO I have been working at XXXX XXXX XXXX full-time ( Less than a year ) Pros There are no Pros to this job posting whatsoever!!! These people are professional con artists who are using this employment scheme to gain access top innocent peoples banking information and identification number Cons They will contact you and offer you a lucrative position within their fake company. Once they confirm you are hired for a non existent position they will send you a check for {$5000.00} or more to purchase materials in hopes that you deposit the check that will eventually bounce but they have already obtained your banking information and they ask you for a copy of your state identification card to add you to their Show More Advice to Management XXXX should really screen these posting and make sure they are valid reputable employers before allowing these postings to fall prey on to unsuspecting individuals. If you have been scammed by these people report them to your local law enforcement agencies ASAP as well as the XXXX