davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

On XX/XX/2018, I submitted an Employment Certification to support my Public Service Loan Forgiveness ( PSLF ) application. After XXXX  updated the number of payments I have made under the program, I noticed they were missing six payments. I immediately alerted them by calling them to verify which payments they do not show being made. Once that information was verified, I uploaded a letter with attached bank statements showing that the payments were in fact made. I then called a few days later to verify that they did receive my letter and to inquire when the process would be complete. I was told that it would take 7-10 business days. I called 10 business days later and was informed that the case was just assigned and it would be complete on XX/XX/2018. However, as of XX/XX/2018, the payments had not been applied and there is no notice that they even processed my issues.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

I purchased an auto insurance policy from XXXX for XXXX and XXXX per month payment for a 6 month policy.They deducted XXXX plus an additional XXXX. The XXXX was not authorized neither did I know that amount was due to purchase the policy. This occurred on XX/XX/2018. My Bank is TD Bank.At this time I am unable to maintain my other financial obligations.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation (NC)

This is still an ongoing issue from my last complaint with Card.com ( complaint # XXXX ). For other consumers reading this, you will see that when I file these disputes against these companies, I can't make this stuff up or lie!! The previous amount that was stolen was refunded back to my account. Card.com I want to thank you for admitting that you guys made a mistake, and worked to get my {$51.00} that was stolen, back into my account. However, I AM HAVING THE SAME ISSUE ONCE AGAIN. I still have 2 fraudulent charges still on my account, that have been in pending status for 30+ days. The fact that a pending charge is taking 30 days to post, should be a red flag for any bank to say this is a fraudulent charge. I spoke with an agent today ( XX/XX/18 ) at Card.com, and he stated that I would have to contact the two merchants to get them to release the charges. I have spoken to both companies .... XXXX XXXX ( Branch ) in XXXX PA for {$22.00} and XXXX XXXX XXXX XXXX in XXXX WA for {$29.00}. XXXX XXXX  said I need to contact my bank, and I have left messages to XXXX XXXX XXXX XXXX, who has not returned any of my phone calls. A few weeks ago I contacted Card.com and asked them when would I be able to dispute the pending transactions, and a female agent told me I would have to wait a total of 30 days before I can dispute. So again, I am being told two different things by their customer service. I can dispute after 30 days while in pending status, or I have to contact the merchants directly to get them to release the funds. I have tried both, and I still don't have my funds back into my account. 

Also, luckily I took screen shots last month of the fraudulent charges showing on my online statement. Because as of today, they are miraculously missing from my current online statement. ( ( ( ( ( ( I AM ATTACHING 2 STATEMENTS SHOWING THEM THERE AND THEM MISSING CURRENTLY ) ) ) ) ) If I didn't have the proof from last time, I may be out of luck disputing them. 

I don't understand how a bank that knows clearly that a transaction is a fraudulent charge, would not fight for their customer to reach out to the merchant and reverse the charges. Pending charges for 30+ days!!!! And that's not a red flag?
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute the reporting of a charge-off account on my credit report. According to my recent review, a charge-off is listed, which I believe is being reported inaccurately.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my XXXX XXXX but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I was on a work conference in XXXX XXXX XXXX, California at the XXXX XXXX  XXXX XXXX XXXX XXXX ( from here on referred to as " the resort '' ). I stayed for 4 nights but my room was paid for by my job. My only responsibility was to provide a maximum of a {$100.00} / day room deposit. At the end of my stay the only amount on hold was near {$270.00}. When I left it was about XXXX XXXX, so I did an express checkout, leaving the key in the drop box. I assumed my receipt would be e-mailed to me since as part of my check in they requested my email address. It was never emailed to me. 

Two days later my deposit was returned to me. However, today I received a notification stating that my account had been overdrawn to a balance of - {$520.00} and the reason was that XXXX XXXX XXXX had placed a {$820.00} charge on my card. I called the resort however I am overseas so while I was able to speak to a receptionist I was not able to get in touch with the finance department because they did not open XXXX XXXX. I had a member from my family who is still in the country continue to call the resort on my behalf. His first attempt the call did not go through. His second attempt after XXXX he was told he could leave a voicemail. He told them he did not want to leave a voice message he wanted to talk to a live representative. They transferred him, and the phone rang through to voicemail. He left his information. He called back two more times to no avail. We still have not been able to contact the resort 's finance department. We have been calling almost every half hour now since XXXX XXXX  and still have not reached XXXX, the person in the finance department. 

My complaint is based on the following issues : 1. There was no physical damage to my room that would warrant the resort keeping my deposit.

2. The hotel staff stated that the hold would be for {$100.00} a day so the maximum that should have been charged to my card is {$400.00}.

3. I was never provided with a receipt even though the resort has the means to provide me with one.

4. The resort seems lax and even non attentive to the issue at hand and seems to be avoiding contact.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2018-12-04
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. (MO)

I have student loans through Navient. I finished school 12 years ago. It was 3 years ago that I realized I still owe more than I borrowed to begin with. I called them to address this. They " re-allocated '' my payments. Another year goes by ( to income tax season when I get the form that shows how much I've paid for interest for the year ) and again, every single penny I paid went to interest. Zero to principal. I call them again and they tell me I should pay more than the minimum required. Okay, so I start paying more than the minimum required. Another year goes by, I get the form that tells how much interest I paid for the year. Again, every single penny went to interest. Zero to principal. I call them, they say, well you are paid ahead, by about a year. They tell me I can " re-allocate '' the monthly payments, but they can't put that money already paid ahead towards the principal. So I have almost a years payment ahead, but I still need to pay the minimum plus ( who knows how much ) extra to even put a penny towards the principal each month. I go online and " re-allocate '' the future payments and i set up to make a big increase in my payments. They take one payment from me and then the next month I received a letter saying they have a new company taking over my loans. I now have a new company and lowered my payment back down to the " minimum '' and have watched my principal go down each month, as it should have been for the last 12 years. I recently researched and found that a lawsuit has been filed against Navient due to cases similar to mine. Is there something that I can do to get my past loans reviewed? Are they reimbursing people? I can not find further information on the lawsuit, other than it was " filed ''.
Consumer complaint received 2018-12-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I filed an Identity Theft Complaint to the FTC the middle of XX/XX/2018 regarding Bank of America not verifying in depth the person who opened a charge card in my name and Social Security Number.
Consumer complaint received 2018-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My attorney sent letters to all three agencies and none of them have responded. My credit score should not be as low as it is because using any algorithm with duplicated information is not going to be correct scoring process. I am discriminated in my housing and multiple things that use my credit score to make you qualify has caused me great hardship. I might even end up homeless because of their unfair practices of reviewing the credit reports timely.
Consumer complaint received 2022-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCIAL SERVICES GROUP, INC. (OH)

I ordered some coins from XXXX in the amount of {$670.00}. I never received the coins so my bank issued a chargeback. Now XXXX XXXX XXXX is trying to collect money for a product I never received. Its pretty simple to prove I never received the package. It was shipped with a signature required for delivery. There is no signature because I never received the coins!!! XXXX XXXX XXXX said to notify them within 30 days if I dispute the validity of this debt. So this is my dispute, with the CFPB as my witness. I do not owe this money.
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

This lady called XXXX from XXXX XXXX has contacted me about a debt I have already paid. I asked for an address so I can send her a letter requesting for cease and desist of contact by their office. She then stated they have many locations and hung up on me. This lady has harassed me for over a month now. Just yesterday she contacted my mother and sister. This has gotten out of hand and very unprofessional. I have saved her messages and the number she has called from. My family members also saved her messages and number she has called from. As mentioned, I paid this debt and told here this. XXXX XXXX XXXX still continues to harass me and my family.
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Golden State Collections LLC (CA)

I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection. Ive had Medicare insurance for the past 18 years.

Thank You
Consumer complaint received 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I have about 45,000. in plus loans with Nelnet . I recently completed chapter XXXX bankruptcy so I have not been able to access my Nelnet documentation while I was in bankruptcy. My bankruptcy trustee made my loan payments and I could not view the Nelnet account online, I have been very careful to make all the payments on time because I was told I should qualify for Public Service loan forgiveness. I spoke with Nelnet and Federal Student Aid prior to starting Chapter XXXX bankruptcy due to a divorce and both parties, Nelnet and Studentloans.gov verified this. My employer has been approved I have that documentation. .Today I called Nelnet because I still can not access my account upon completion of 5 years of bankruptcy and I was told that I don't qualify because I am in the wrong repayment plan and my loans are not all consolidated. I thought my loans had been consolidated when my son finished college in XXXX. My loan balance is currently more than it was when I started the bankruptcy because my payments have only been going to interest. Had I known this I would have taken care of it before the bankruptcy payments began. The student loan payments were made out of my Chapter XXXX payment. I have spoken with several different people at this agency and at Nelnet over the past 10 years as I was planning for my loans to be cancelled. Today I was told that my 10 years would start over when I moved to the income based repayment plan and my loans are consolidated. I don't know how to proceed. At this point I have been out of bankruptcy since late XXXX and I still can not access my account which is why I called. The representative stated that the account was not cleared yet to be released to me so that I can view it. It should be another week or so. I was worried that if I miss payments my forgiveness would be voided. I have had to contact them yearly to get documentation of the interest I have paid for tax purposes. Turns out it doesn't matter anyway. I'm XXXX years old, I plan to retire one day. I have currently had and paid student loan payments most of my adult life. First for me then for my kids. Is there no justice in paying ones bills? I'm not trying to make this a sob story, I'm just so frustrated by the conflicting information that I've received. I honestly thought I had hit the 10 year point in XXXX, at that point I was told I would have to finish my bankruptsy.
Consumer complaint received 2018-12-04
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: Experian Information Solutions Inc. (CA)

XX/XX/2018 we applied for a mortgage. I noticed a collection on my credit report I've never seen before. I was told to contact the collection agency XXXX XXXX and consulting to verify what the collection was. I called the agency to ask for any information to prove I am the owner of the debt they are reporting. They stated there was no information to give me and nothing was sent stating they were attempting to collect. We haven't received any letters or phone calls. The company still hasn't sent any verifications or validations that I owe the debt. I disputed this debt three times with the Experian Credit Bureau. They stated it was confirmed by the Collection agency not by giving any form of paperwork where I signed or applied for the debt but by pressing a button on the computer stating it is mine. The credit bureaus states they do not require any of their customers to provide proof the debt is owed but that they agree to only report correct info. We filed a police report to have the matter investigated and sent the police report to Experian to have it removed. Experian has yet to remove this fraudulent info from credit report. This is definitely against the law and am lost on what to do next. The debt is fraudulent and Experian will not remove the debt from my report as they should per federal law. The debt appears to be from a hotel I've never visited in a state I've never been. Experian first stated to get a police report to have the info removed. Then I was told Saturday XX/XX/2018 to upload the email from the police department. Once the the email was uploaded twice I called back Monday XX/XX/2018 to have the collection removed. Now they're stating I need to file the report in Texas not California. I live in California why do I need to file a report in a state I do not live. CFPB please help with this matter.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX provided me with an auto loan. The car was wrecked and totaled. I had insurance on the car full coverage as per the requirements of the loan. I requested the bill of sale so that the insurance company could pay the Creditor the loan amount. The Creditor never gave me the bill of sale after multiple attempts on phone and in writing. I will include where I attempted to get the bill of sale and was never given the bill of sale as an attachment.
Consumer complaint received 2018-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

every month i make my payment at PNC XXXX XXXX branch XXXX XXXX XXXX. I always pay extra and advise them to apply the over payment to my principle balance. When i went today to make my payment they did not want to take it as they said i owed less than the {$400.00} cent payment. the only way this could have happened is if they miss applied some of my other over payments. I have talked with a few other PNC bank customers whom have this same issue happen with over payments. it sounds like PNC bank has a system in place to maximize the interest and fee 's they charge customer. I would like you guys to do a full audit on my loan # XXXX with them to ensure they have done everything correctly. I would also like you to order them to revamp there payment coupon and add a line for extra principle payment to prevent them from robbing hardworking americans who pay extra so they can pay off there loan early and reduce the amount of interest paid actually have there extra payments go to the loan balance instead of being held in a non interest bearing overpayment account and applied to the next payment on the due date.
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (VA)

I have received repeated robo-like calls from Linebarger GOggan, Blair & Sampson, LLP for months. I did not answer as I didnt recognize the name. After many months of receiving as many as five calls/day as early as XXXX, I answered the phone. 
The rep concurred that they were trying to collect debt from the business, XXXX, XXXX, VA who had my telephone number prior to XX/XX/XXXX when I moved to XXXX, VA and took the number for my personal residence.

After months of calls, I answered one, spoke to a young woman. She apologized and said their files would be corrected and I wouldnt receive anymore calls. Below are the calls Ive received since this removal of my number and correction of their files. 
XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX I called Linebarger today at XXXX and spoke to XXXX. First she couldnt find my number, then she did. I asked to speak to her supervisor, Mr. XXXX XXXX. He was unavailable. I asked for him to email me that their records would be corrected and I wouldnt be called again. I was told that he can not email. 

I advised them that I was registering this complaint with the FCC of this harassment, no attempt to confirm they had the correct person and refusal to correct their records. 

Thank you for your help. 

I appreciate this help.