davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
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. (NY)

Hello, I was impacted by the Equifax hack, and was told I was eligible for identity theft protection through them. I registered with TrustedID as requested, and received an email saying I should set up my account. 

When I tried to set up my account, I was told either my birthday, or social security number was incorrect. Obviously, I know these things pretty well, and called the company. 

AFter 3 called to TrustedID no one is able to help me. I 've repeatedly sent " verification documents '' to them including a photo of my driver 's licence, XXXX bill, and utility bill, attempting to figure out where the data mismatch is. 

No one ever calls me back, the person on the end of the phone pretends they do n't know what a case number is, and I 'm unable to talk to a supervisor.
Consumer complaint received 2017-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I became US Bank 's new customer more than three months ago, I opened checking and savings accounts because I learnt good promotion from the store manager when I opened both accounts : if I deposited XXXX dollars within 60 days and made two payments more than 25 dollars through the billpay function, I will have XXXX dollar back within 60 days and then I checked US bank website, the promotion is indeed there. However, now I have contacted US Bank branch as well as the customer services center, neither of them acknowledged I am qualified for the bonus on my checkings account because I only made one payment through the Billpay function, then I checked my payments and found I did make two payments, both of them are more than 25 dollars and within 60 days through the billpay function but one is online and another one is through my phone. Both of them are equipped with the same function under the billpay, only the one made online qualified'Is it because US Bank subsidize another company for its mobile app '?? If so, the responsibility should not be taken by its customers.
In addition, the branch manager XXXX did not inform me the online banking and mobile app are two separate payment methods.
Consumer complaint received 2017-10-20
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: BARCLAYS BANK DELAWARE (CA)

OnXX/XX/XXXX I mailed a correspondence to BARCLAYS BANK DELAWARE due to the fact that BARCLAYS BANK DELAWARE was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by BARCLAYS BANK DELAWARE on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> per XXXX XXXX number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of BARCLAYS BANK DELAWARE XXXX per the return receipt received by me ( XXXX XXXX XXXX. The reason for this correspondence was to have BARCLAYS BANK DEALWARE cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to BARCLAYS BANK DELAWARE for a response ; it is well past 30 days with no response from BARCLAYS BANK DELAWARE. I have attached a copy of this correspondence in this complaint to ensure that it is on record that BARCLAYS BANK DELAWARE did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was still being reported as of XX/XX/XXXXwell after receiving my correspondence, so BARCLAYS BANK DELAWARE apparently has decided to ignore my correspondence but continue to report false information on my credit file. If BARCLAYS BANK DELAWARE continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.
Consumer complaint received 2017-10-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

Advance Financial offered me a XXXX Loan they explained you never have to pay more than you need. Then they started charging me such an excessive interest that it was more than my house payment! I explained to them that I could n't afford to pay that and offered to pay XXXX per month and I was but they were still charging like over 70 % interest which just made pay back amount keep growing. I stopped paying the loan and they turned me into an attorney XXXX XXXX XXXX XXXX XXXX and now they are saying I owe {$5800.00}! Is there anything that can be done to get this to a reasonable repayment? This should be against the law this type of Predatory Loan Practices. Please help me. I received this letter dated XXXX XXXX, XXXX client file # XXXX Harpeth Financial Services , LLC dba Advance Financial is the name of the company.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CO)

I put hundreds of dollars on a XXXX card I bought thinking it would be no problem to set up and use. It was a huge problem. XXXX had locked the card and I was unable to access my money on the card! They essentially stole hundreds of dollars from me. Whatever you do, NEVER I repeat NEVER BUY a XXXX PREPAID CARD, if you wish to use your own money. XXXX allowed me to buy the card and load money onto it, then locked the account so that I could not use my own money, for all intents and purposes stealing my money.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Bank of America account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I get an account with Consumer Adjustment who already payoff and was supposed to be closed and still showing open with all XXXX credits bureaus.My last payment was made on XXXX it 's over a year past and still showing open account.
Consumer complaint received 2017-10-20
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 have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXe and XXXX XXXX.
Consumer complaint received 2017-10-21
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. (AR)

Ive been a victim of their inquiry issue. Ive tried to reach them out before in the past and they would not remove them for me.
Consumer complaint received 2017-10-20
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. (TX)

XXXX tu and XXXX still turns me down what do they need a perfect score cra violation for reason and hippa transunion has XXXX up my report totally this need to be corrected right away
Consumer complaint received 2017-10-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Received a check from ace cash espress, inc refund XXXX for {$400.00}, i went to the bank to cash it, and a day or so later i get notify from the bank that the check was returned unpaid, and the bank is charging me the {$400.00} to my account
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (KY)

My credit card information from American Express was stolen in XXXX XXXX. I resolved the issue through the legal department of AE. They redacted all bad credit reports, admitted it was fraud and covered it under my fraud insurance and said it was resolved. 

Since that time I have had 5-10 phone calls every day from collection agencies. Anything from messages telling me " the police were coming for me for not paying my bills '' to the " IRS is going to put a lein on my wages. '' I have told the people who call to leave me alone and stop calling. I have texted them. I continue to block the phone calls but it is not stopping. They are harassing me and I would hope you could help me stop the harassment. Enough is enough. 

Some of the phone numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and about 200 more numbers ...
Consumer complaint received 2017-10-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (WI)

I graduated from XXXX XXXX College with around {$70000.00} in private student loans from SallieMae with a very high interest and around {$30000.00} in federal student loans. I was hired right away as a XXXX with a salary of {$36000.00} a year. My total payments a month are {$760.00} for my private loan and {$160.00} for federal loan with a total monthly payment of {$920.00}. My monthly income is {$2000.00}. Which means just about 50 % of my income is going to my student loans. I am unable to live off of the remaining money. I have tried to refinance ; however, they say that I can not because of my debt to income ratio is too high. I am stuck with this huge student debt that I am not able to pay and live.
Consumer complaint received 2017-10-19
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: Grant & Weber (OK)

In XXXX XXXX, I contracted with a credit repair company and set out on a journey to repair my credit. I could tell there were things on my report that I did n't know what it was or who it belonged to. Multiple items were deleted and I continued to work on my report and scores. In XXXX XXXX, XXXX new items from Grant & Weber XXXX XXXX appeared on my Credit Bureau Report under derogatory marks. When I went in to investigate it, they were all from XXXX XXXX, XXXX and the original creditor was XXXX XXXX XXXX. I did n't have any knowledge of doing business with this company in XXXX or before, so I disputed the charges. XXXX of them were deleted but the XXXX largest charge was deemed valid. I 'm not sure how one can be valid and not all of them or how one can even be valid when I have no knowledge of the company. On the credit report it shows that I have paid XXXX % of the debt off. I guarantee, I have n't paid XXXX or Grant & Weber a penny, so that information is incorrect as well. I would like to see some sort of proof where I signed for the goods that I supposedly received from XXXX XXXX, what type of supplies it was & proof of a payment that was made by me. I believe all of this to have been placed on the wrong person or SSN.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have been disputing a debt from Portfolio Recovery Associates. In response to a request for proof of validation, PRA sent me a bill saying that I owe a balance of {$180.00} This is not a proper validation of the debt. In response, I submitted a complaint to BBB demanding that PRA send me proper validation of the debt and proof that I signed a contract to pay this debt. I specifically listed items that I would like in order to validate this debt. PRA did not send me this information once again. In response to my complaint to BBB, PRA claims to have the documents that I am requesting but they still have not sent them to me. I refuse to take their word it and demand that they send me this supposed information they claim to have, including the names and phone numbers of those that they spoke to in order to obtain that information. Given PRAs delayed delivery of the requested documentation, I am convinced that they really dont have any information to give me other than a bill that they keep sending. I have advised PRA that they must remove this debt from my credit report if they can not validate it AND send proof of validation.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (PA)

I am completely responsible for my debts and have always paid them. I lost my job after 13 years and lost my house and own nothing as I had to sell everything of value. I am on Total XXXX XXXX as of XX/XX/XXXX diagnosed with XXXX and XXXX XXXX XXXX XXXX XXXX  as I have not been able to work at all so far. I am under the care of two Doctors a XXXX and well as numerous XXXX. When I spoke the the party representing my XXXX on card debt on XX/XX/XXXX, they told me that this debt will stay open and will be charged interest every month that will accrue until it is settled. As I can not attempt any payment as I can not work, I feel it is wrong to keep adding interest making my debt amount constantly increasing every month. This is making my condition worsen as I can not sleep at night with this debt getting larger and larger. I feel this is very wrong and I am requesting that any interest is stopped and reversed and a reasonable amount is presented on the original total and all activity stops so when I can possibly work again and an agreement offer would be proposed in the range of maybe XXXX cents on the dollar as other creditors offer. No correspondence has com by mail at all. Please help me as the tragedies I have had these past XXXX years has put me in this horrible position and is worsening my XXXX Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2017-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (LA)

XXXX XXXX did not apply my Income Driven Repayment recertification to all of my loans serviced by the company, after it was submitted on time. Some loans were reverted to a traditional payment plan. After speaking to two different customer service representatives, I spoke with a manager who admitted that there was an error in processing my loans, but the company refuses to rectify the posted traditional payment plan amount ( {$1000.00} ) and has instead labeled all of my loans as " Delinquent ''. 

On XX/XX/XXXX I submitted my Income Driven Repayment annual recertification. 

On XX/XX/XXXX unconsolidated ( Stafford ) loans were transferred to XXXX XXXX according to records from another loan servicer. These loans were on Income Driven Repayment plans. 

On XX/XX/XXXX my IDR request was approved by XXXX XXXX. 

On XX/XX/XXXX, noticing issues with unconsolidated loans billing me under the traditional payment plan, I contacted the company. Told that there was an issue with my payment plan paperwork. Told that my loans were placed in forbearance while this is rectified. As requested, I resubmitted my IDR recertification request to XXXX XXXX that I had originally submitted on XX/XX/XXXX. 

On XX/XX/XXXX, noticing that {$1000.00} was withdrawn by XXXX XXXX from my checking account, causing most of my household bill payments to " bounce '' for insufficient funds, I again contacted the company. I spoke to customer servicer agent # XXXX and was told that no forbearance was applied to my account, that I had no Income Driven Repayment recertification on record and that I XXXX XXXX could not reverse the transfer. I requested to speak to a manager and was transferred to manager # XXXX. The manager admitted that my IDR request was not processed correctly and she resubmitted my IDR request on all of the loans serviced by XXXX XXXX. The manager refused to make my payment plan retroactive to XX/XX/XXXX, when my original IDR recertification was accepted by XXXX XXXX. I was told that although XXXX XXXX made an error, I was responsible for the outstanding amount of {$1000.00} that XXXX XXXX withdrew from my account.

I submitted a transaction dispute to my bank ( XXXX XXXX ) and on XXXX/XXXX/XXXX, the bank finalized the reversal of the transaction in my favor. 

I submitted a complaint to the Federal Student Loan Ombudsman ( US Dept of Education ) about not being able to resolve this issue with XXXX XXXX, and received a reply on XX/XX/XXXX that the office " is not taking action on this matter. '' The Ombudsman directed me to lodge a complaint to the FSA Feedback System ( US Dept of Education ). 

On XX/XX/XXXX, after reviewing my dispute, I submitted a complaint to the FSA Feedback System. I am awaiting a response.
Consumer complaint received 2017-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recover, LLC (GA)

I requested a signed contract between me and your company. One that I signed and one you signed in early XXXX. It is now XXXX XXXX and your company chose to ignore my consumer rights as well as violate the FDCPA and FCRA. In XXXX I SPECIFICALLY stated that copies of a copy is not legit validation. I stated that I would have liked to seen the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated HOWEVER you neglected to provide it. This is my final notice before litigation. If you ignore my last and FINAL request I will take it as a waiver of all claims.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of there inquiry issue. I have spoken to the customer service and was told I was n't a victim. The customer service rep was very rude and they refused to take care of it.
Consumer complaint received 2017-10-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I lost my income in XX/XX/XXXX and fell behind in my mortgage payments. Bank of America sent me packets for loan modification and before I sent a completed one in, I called them and they advised me not to send it in and that they were sending an updated one to me. Instead, I started receiving foreclosure information. I gained employment in XX/XX/XXXX and resumed my mortgage payments. I was able to stop the foreclosure by sending Bank of America all required documentation for a modification. Each time, my requests have been denied. I have continued for 7 years now to apply for a loan modification. I was told in XX/XX/XXXX by an agent with XXXX XXXX XXXX that they are the facilitators of the loan and that XXXX XXXX  actually owns the loan. I was told that XXXX XXXX does not do loan modifications. Can you please help me with this? 
My mother, XXXX XXXX XXXX, is on the loan with me. She is XXXX and has XXXX. She is no longer living with me. I have durable power of attorney for her affairs. 
I have 7 years of documentation and am able to provide any that you need.
Consumer complaint received 2017-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

sent debt validation letter certified with return card to company recieved on X/XX/17 no respone after 30-45 days showing proof to be licensed in the state of florida to collect debt or proof of me having a binding contract with company XXXX XXXX XXXX for the amount of {$560.00}
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX my husband and I purchased a home in XXXX California. The mortgage went thru Bank of America. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO Quick Claim deed executed. In XXXX my ex-husband remodified our home loan with Bank of America without my knowledge, consent or signature. The signature page on the remodified mortgage paperwork has a line for my signature but my signature is not on the paperwork. The loan was remodified from a 30 year loan to a 40 year loan without my signature. This loan has since been sold to a mortgage company called XXXX. Bank of America will not speak to me about this. When I call they tell me that they no longer service this loan.
Consumer complaint received 2017-10-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (NV)

I have gotten loans from CashNet USA before and had little to no trouble. However, there is a constant issue with their website. 

It takes forever to load unless you are on mobile and even then some of the site does not work properly. I have informed them of this issue many times. However, that is not what my complaint is today. I kept getting emails about my existing loan telling me that I had the option but when I checked my account, it was showing a XXXX balance and no option to extend. 

I emailed customer service about it but got no answer. After a few days of this, I went on the site at work and opened the chat window. The rep. and I got the whole thing straightened out and she got me on a payment plan starting XXXX XXXX and ending in XXXX when the balance would be paid off. Now I 've made my first payment on the plan. On the tenth, I got an e-mail stating that I was overdue and have been getting repeated e-mails and missed calls from what I assume to be the automated collections service. Why am I getting these calls and emails if I am on a payment plan? 

I am so disgusted with this company that I will be glad when my loan is paid in full. I should not have to get these emails and phone calls when I am on a plan and making my payments.