davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (CO)

I would like to file a complaint against XXXX XXXX XXXX in Colorado for a medical collections debt first reported XX/XX/2016 and by extension BC SERVICES as the collection agency - my goal being to dispute the bill and get it removed from my XXXX  credit report ( the only one it even shows up on ). I did not learn of this debt until fairly recently and I have never received communication or contact of any kind by the parties mentioned above before learning about the debt essentially by accident. I was not informed of the bill, am not convinced it is even accurate or related to me. Even if it was proven so, I was not given the proper resources to pay for it and avoid this whole predicament. I hereby state NO CONTRACT/CONTRACT CANCELED and file this formal complaint against XXXX XXXX XXXX ( who is the original creditor ) and by extension BC SERVICES ( who is the current creditor ) in the hopes the error is rectified and the bill is removed from my credit report so I can move on financially.
Consumer complaint received 2018-12-11
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. (IL)

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Experian several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Experian and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX  XXXX XXXX account XXXX {$40.00}, XXXX, account XXXX {$2900.00}, account XXXX {$6900.00}, account XXXX {$3400.00}, account XXXX {$7100.00}. I have even sent copies from XXXX & Experian showing that they deleted items that Experian keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (WI)

APPLIED FOR A MORTGAGE LOAN XX/XX/2018 WITH XXXX XXXX OF FAIRWAY MORTGAGE. SHE PRESENTED HERSELF AS A BROKER, FOR MANY LENDERS. 
SHE WAS UNAVAILABLE FOR PHONE CALLS, AND EMAILS WENT UNANSWERED. FINALLY 2 DAYS PRIOR TO THE CLOSING ON XX/XX/2018 SHE PRODUCED THE LOAN DOCUMENTS. THE LOAN WAS WRITTEN IN THE WRONG NAME, THE LOAN WAS WRITTEN FROM FAIRWAY INDEPENDENT MORTGAGE. THE INTEREST RATE WHICH SHE LOCKED US INTO IN XXXX HAD CHANGED TO 4.75 % WHICH WAS THE RATE AS OF XXXX. 
SHE DID NOT SHOW UP AT THE CLOSING, AND THE TITLE COMPANY WERE INFORMED THAT WE HAD TO SIGN ALL THE DOCUMENTS, EVEN IF THERE WERE ERRORS OR WE WOULD NOT GET THE LOAN. 
OF COURSE THIS MEANT THE PEOPLE WHO'S HOUSE WE BOUGHT WOULD NOT BE ABLE TO CLOSE ON THE HOUSE THEY BOUGHT AND SO ON DOWN THE LINE. 
WE DISCUSSED THE ISSUES AND THE REALATORS DECIDED WE SHOULD SIGN, AS THERE WERE WITNESSES TO OUR REFUSAL, AND RE-FINANCE IMMEDIATELY. 
WHEN WE WENT TO RE-FINANCE WITH OUR BANK WE WERE UNABLE TO GET A LOAN BECAUSE XXXX HAD PUT IN INCORRECT INCOME INFORMATION. SHE ALSO PUT US IN A JUMBO LOAN FOR $ XXXX AND WE PUT DOWN 20 % AND STILL OPENED AN ESCROW ACCOUNT WITH THE WRONG AMOUNTS. 
THE ESCROW IS BEING HELD BY FAIRWAY MORTGAGE AND AFTER MANY CALLS FOR THAT AMOUNT TO BE RETURNED WE STILL HAVE NOT SEEN IT. 
IT IS OBVIOUS THAT XXXX XXXX WROTE A HIGH COMMISSION LOAN, MADE OUR INCOMES LARGER TO ACCEPT THAT LOAN AND THEN THE LOAN WAS SOLD TO XXXX XXXX. 
EVERYTHING SHE TOLD US REGARDING HER AND BEING A BROKER FOR ALL SOURCES OF LOANS WAS FALSE. THE LOAN WAS WRITTEN WITH FALSE INFORMATION AND WHEN WE CALLED THE " SUPERVISOR '' FOR FAIRWAY, I WAS TOLD THAT " I DON'T LIKE YOUR NEGATIVE ATTITUDE, DO NOT CALL AGAIN ''.
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (FL)

An account was opened in my name approximately XX/XX/2018 through PayPal lnc. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX was not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called PayPal lnc . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to PayPal on XXXX XXXX requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (GA)

This is a medical billing of which I am not aware, especially, since the medical provider wanted me to drive a long distance to their medical offices in XXXX, Georgia, in order to participate in some ridiculous research program, which was very discriminatory regarding XXXX people, although other races suffered from the same XXXX XXXX, as I did. 
I do not know what the billing was all about, because I had to see a different XXXX XXXX to have my problem solved.
Consumer complaint received 2018-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one bank checked my credit report without my permission. I have hard inquiries on XX/XX/XXXX and XX/XX/XXXX. My credit score went down and i got 2 more inquiries in my report. Id like to fix it and remove it from the report.
Consumer complaint received 2018-12-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I can't remember the dates but I've been dealing with this issue with Navient for about 5 years. Every time I try to ask for a forbearance they tell me that I can't use it because I use it all. They could never give me anything in writing stating that I had when I ask. I ask them can I reduce my payment due to the income I had coming in and the response was short of nothing because you had to answer multiple in order to qualify and when they came up with a total it was still too high for me to pay. So I ask if it could reduce more and they told me that I had to get their manager approval to go any lower. With that being said, the manager denied it. This has been a recurrent issue with them. This causes my credit score to drop when I'm taking the initiative to pay but they won't reduce it so I can afford to pay them. I believe they are getting over on the consumers and not having their best interest.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (WI)

I was charged XXXX starting XX/XX/XXXX and was promised my credit would improve. I have cancelled my service effective XX/XX/XXXX. I was charged 5 times in the month of XXXX. I also did not receive any service from this merchant. My credit has not improved and actually went down since signing up. I am trying to get my money back and the company is refusing to refund for service not rendered.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. ()

First, upon graduation for myself and my daughter ( for which I was paying on both student loan payments ) Sallie Mae advised that both of us would to gift back on a portion of the student loans, for which they never came through ( a reduction ). When it was brought to Sallie Mae/Navient 's attention they refused to honor the prior offered gift letter. I graduated in 2007. 

Then multiple time I was force into placing the loan 's into forbearance due to not working in the field I studied in and not having the money to pay the loan payments. Which caused interest rate to increase. At no time, was I offered any lower interest rates or other solutions. I gave up dealing with the loan agency after years of begging and pleading for help. 

I attempted to sign up for the county and state forgiveness programs, but due to being a signal mother/grandmother and having to work two and three jobs to support my family, I made a little to much money to qualify for the program ( s ). I raised my children and co-parented my handicapped grandchildren through these hard times.I am still not working in my field and still having a hard time paying for my and my daughters student loans. When I attempted to call to make arrangements or find a solution, I felt forced and cornered with no other option but to pay what was required to save my credit and good standing. 

I truly regret going to college and insisting that my children attend college due to the bills. I am close to XXXX years old and will be paying these loans until I am in my 70s, with no retirement or savings.
Consumer complaint received 2018-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am a XXXX XXXX in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have XXXX  loans with AES/PHEAA as the servicing agency and XXXX XXXX XXXX XXXX XXXX as the lender. The XXXX paid {$5200.00} towards my XXXX loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. I still have four more years of those payments plus one additional year of partial payment of approximately {$2500.00}. I am have been trying unsuccessfully to change my payment terms to interest only, so that I do not have to pay back money that the XXXX will be paying off on my behalf. AES has stated that XXXX XXXX XXXX XXXX XXXX have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. 

I am an XXXX XXXX who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (WA)

Saturday XX/XX/XXXXmy boyfriend received a threatening call from XX/XX/XXXX trying to collect on an XXXX account that I have. They said I need my attorney to contact them immediately regarding this matter. They have served me any papers and why are they leaving this information on someone else line stating my name clearly?? they have left the same threatening messages on more than several occasions on my phone as well.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANCO POPULAR DE PUERTO RICO (NC)

Per XXXX XXXX Visa Card Terms and Conditions. 

... You authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. Mailed payments are credited on the same day received if they are received by XXXX XXXX. XXXX Monday through Friday ( excluding holidays ). Electronic and telephone payments are credited on the same day if they are received by XXXX XXXX. EST Monday through Friday ( excluding holidays ). We may apply a credit line availability hold condition to your Account in the amount of the payment until your check or other payment instrument has cleared. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed. The payment will be applied to your Account on the date we receive it in accordance with this section. We may take up to 5 business days to process any credit of other payments that do not meet these requirements, during which interest will not accrue. We may accept and process late, partial and payments marked as paid in full without losing our rights under this Agreement. 
If your payment is reversed due to insufficient funds or a returned check, we will apply a credit line availability hold condition to your Account and you may lose any special APR offers. The result of this hold is that the credit line availability resulting from a payment to your Account will be delayed for 7 calendar days after the payment is processed. The hold condition will be canceled after 6 billing cycles where no other payment reversal event takes place. 


I submitted my most recent payment on XX/XX/2018 at XXXX. After the XXXX deadline for the credit to be issued the same day which is fine. The Payment cleared my XXXX XXXX checking on XX/XX/18. Today is XX/XX/18 a full six days after the payment has cleared my account and I STILL HAVE A HOLD ON MY ACCOUNT. Banco Popular Called me yesterday to tell me that the hold conditions apply to my account without giving any explanation. Previous representatives have told me that for the next six billing cycles every payment I make will be on hold for 7 calendar days after the payment has processed. I have never had a payment reversed, therefore, that stipulation does not apply to me. I have complied with the terms and conditions and am not receiving fair treatment.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PNC Bank N.A. (AL)

I am an international XXXX  student at XXXX university. I opened abank account in PNC bank, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the pnc bank told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : XXXX  XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

Experian : XX/XX/2018 XXXX to XXXX XXXX. Tried to place a report freeze on line and received message that I have to mail specific items. I then created an account and Logged in, then called three different customer service ( sic. ) numbers which clearly connected to the same malfunctioning automated attendant which interrupted instructions with, " Sorry, I didn't get that '' at least three times, then finally asked for my S.S. number and once my SS and zip. I entered that and immediately received, " sorry ; we can not process your request via the phone. go to experian.com '' for assistance. I then attempted to call their U.S headquarters in both CA and IL. to alert them their automated attendant was malfunctioning. CA phone simply rang busy. IL location requested S.S. number and Zip, then offered two option : Fraud assistance or order cr. report. Again informed me they could not : '' get that '' when I attempted to respond to the auto attendant and hung up. They clearly won't talk with consumers and should be put out of business since I never gave them permission to keep track of my financial history.
Consumer complaint received 2018-12-11
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/18 XXXX and XXXX XXXX received a phone call from a representative of a collection agent stating I XXXX XXXX am 18 months behind in payments therefore they must collect {$20000.00} from Mr and Mrs XXXX immediately. I have not received any correspondence from any company. Upon calling the number provided to me by my parents of XXXX I immediately got a voicemail stating I had reached Transworld Systems Inc. the voicemail requested acct number, name and social security number. The representative who called my parents threatened to continue calling them until they receive the full amount via wire transfer. The rep was advised of medical concerns of the elderly parents and they stated they would continue to call. I do not know who they are representing or what is owed
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation (CA)

I received a letter from XXXX. XXXX  XXXX XXXX stating my account has been assigned to their agency for collection. The debt was originally for XXXX XXXX XXXX XXXX and the amount owed is {$3600.00}. The letter is dated XX/XX/2018. This debt was not incurred by me ; I have never been to this establishment. I believe this is an error in billing or a fraudulent identity scam. XXXX. XXXX XXXX XXXX has put this case on hold and advised me to submit a claim to the consumer FTC. They strongly recommended that I check my credit rating for other fraudulent activity.
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have any disputes resolve or any feed back regarding this matter and its been well over 60 days.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (OH)

I have an unverified account from BRIDGECREST CREDIT. I had previously disputed this account. I have never done business with BRIDGECREST CREDIT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that BRIDGECREST CREDIT provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that BRIDGECREST CREDIT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I am a victim of fraud. An individual pretending to be a landlord requested two wire transfer 's, first transfer for {$4200.00}, second transfer for {$3700.00} for a total of {$7900.00} to cover a rental deposit and three months rent. I regrettably initiated both wire transfers from my personal checking account at XXXX XXXX  XXXX. The first wire transfer was sent on XX/XX/2018 and the second wire transfer was sent on XX/XX/2018 to an account with Chase Bank. I am submitting this complaint to seek aid in receiving a refund. I sincerely appreciate your time and attention to this. Please let me know what additional information I can provide.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2018, I discovered my once trusted house cleaner wrote $ XXXX worth of fraudulent checks to herself over the course of 16 months. These checks were significantly large amounts and uncharacteristic to my bank account, $ XXXX, $ XXXX & $ XXXX, not once was I alerted by Citizens Bank of possible fraud. This women even set up auto pay on my checking account to pay her utilities and again, I was not notified. Citizens Bank says I had 30 days from the time of my bank statement to report the fraud, and they are not responsible. Even the check that was caught within the 30 day window, was not covered because they said if I caught the first check, the other checks would not have been cashed. This is outrageous and blatant abuse of power. My money should have been safe in the bank, and I believe that Citizens Bank was negligent in their fraud protection. I have made several requests to be reimbursed, but I am being ignored. 
I think the banks should have far more responsibility than sending out a statement. 
BTW, my statements were taken by this thieving cleaner.