davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late
Consumer complaint received 2017-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I have a student loan through FedLoan Servicing. I 'm currently on an income based repayment plan . Income based rep ayment plans need to be recertified every year, in order to verify income and determine how much the repayer is able to pay in monthly payments.     On  XXXX   XXXX , I got a notification e-mail telling me that I needed to recertify my income by  XXXX   XXXX . Therefore, on  XXXX   XXXX , I submitted an application to renew and recertify my repayment plan with studentloans.gov, a site maintained by the Department of Education to apply for income based repayment plans and verify income. Because of security issues, studentloans.gov notified me that, until their security was upgraded, I could not submit the form online, but that I should fax the completed form and a copy of my most recent tax return to FedLoan Servicing.     I faxed my completed tax return and form on  XXXX   XXXX . On  XXXX   XXXX , I received an e-mail from them saying that my form was received, and that, within  ten days, they would review the application and let me know if they needed additional information.      On  XXXX   XXXX , having not yet heard from them, I contact ed FedLoan Servicer 's phone center to check on the status of the application. The representative told me that th ey had received my application, and that they might have the application reviewed by  XXXX   XXXX , but the latest it would take them would be  XXXX   XXXX , and I 'd receive a response by then, On  XXXX   XXXX , I contacted their phoneline again to check the status. Another representative informed me that reviewing my application could take up  to two billing cycles ( two months ), and that I would just have to wait. I reminded them that my reduced repayment rate was due to expire and that, if it expired without recertification,  I would have to pay the standard rate ( I 'm paying about {$120.00} a month now. The standard rate would increase that to about {$570.00}. ) She told me, if that were the case, I 'd just have to pay the standard rate until they reviewed the paperwork.     After I got off the phone with them that day, I sent them a message through their website explaining the situation and asking when my paperwork would be reviewed, but I have not yet gotten any response.     As of yet, they have still not recertified my income.
Consumer complaint received 2016-07-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I opened a Citibank checking account in association with a XXXX ThankYou point bonus promotion. When I opened the account, I confirmed that the promotion code was linked to my account through secure messaging. When I completed the requirements of the offer, again, I confirmed that I completed the requirements and was eligible for the offer. I waited the amount of time they told me, and when that time elapsed, I inquired again about the posting of the XXXX point bonus to my account. At that time, they said I was ineligible and denied me the bonus.
Consumer complaint received 2017-07-24
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: NAVY FEDERAL CREDIT UNION (GA)

I have previously provided Navy FCU the Official Investigative OPM Notice of compromised personnel files, along with my statement regarding ID theft/fraud associated with the Navy FCU Account, XXXX .... On XXXX XXXX, 2015, after Navy FCU received a payment of {$420.00} and notice of the ID theft/fraud associated with the card, Navy FCU charged off {$22000.00}. The balance at the time showed {$21000.00} but Navy FCU charged off {$1200.00} more than the balance on the account and placed deleterious information on each of my credit reports. Navy FCU has repeatedly refused to provide to me the information which I have the right to obtain from a debt collector that being strict proof of my obligation to pay this debt when I have contested it as fraud. According to the OPM Notice, had Navy FCU acted timely, there was a method in place to be compensated but Navy FCU simply passed the debt off as mine and has remained stalwart in their position. On information and belief, Navy FCU perfected fraud when they placed an up charge on the account in the amount of {$1200.00}. Further, Navy FCU has refused to validate the alleged debt, a violation of FCRA. Due to the identity theft and the fraudulent purchases associated with the account, Navy FCU should respect the OPM Notice and the fraud report and either block this information from each of my credit reports or block this information from my accounts.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Unauthorized inquiry by   XXXX   for credit card on  X/XX/2016   ,  X/XX/2016   , and  X/XX/2016   . Reported to  XXXX   X/XX/2016    as fraudulent and requested investigation/close acct. Received letter on  XX/XX/2016     XXXX  resolved in my favor and they notified  XXXX ,  XXXX , and Transunion by letter to remove acct. On  XX/XX/2016    I requested 90 day fraud alert to Transunion. Both  XXXX  and  XXXX  have removed   XXXX   acct and hard credit inquiry in timely manner. Transunion has removed only the  XXXX  acct, NOT the  XXXX   (   XXXX   ) har d inquiries.   I have requested several times and Transunion states it has been removed. All credit reports I have STILL show this information. This has an impact on my ability to raise m y credit score. I  have documentation to prove my complaint.
Consumer complaint received 2017-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

2009 loan was taken out w/Santander Consumer USA, worst ever customer service, management. late fees and repossession fees were incurred loan was restructured due to financial hardship that was reflected on credit reports balance was at {$1.00} then Santander came up with having new rules and regulations about fees etc and put over {$1700.00} worth of fees back onto my balance, no notification of new policies or rules no type of correspondence at all a rep to say do n't be mad at me but these rules just changed. my credit reports reflect the balance change and they are reporting late due to this
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

A overseas call center for a creditor in approximately 2011 input my name incorrectly as XXXX XXXX. That name now shows as an alias on my credit file. I have disputed this with Equifax who stated that according to the creditor the information is correct even though I stated in writing XXXX XXXX IS NOT my name, was added by an overseas call center employee who could n't understand my American accent, and I HAVE NEVER used that name! Equifax REFUSES to correct the error!!!!
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WI)

I am filing this complaint EXPERIAN INFORMATION SERVICES LLC has ignored my request to provide me with the documents that their company has on file that was to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts in writing under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. that I have disputed. Please resolve this issue and matter as soon a humanly possible. Thank you so much, for your time.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (DE)

On Sunday XX/XX/XXXX I received a call from M & T Bank 's Fraud Department advising me my checking account has a recent charge for {$41.00} and asked me did I authorized the charge. I advised no I did not and the representative stated the account will be close due to fraud, a credit would be given to me for {$41.00} and the {$39.00} overdraft fee would be waive, a new card will be sent, and I would also receive a form to complete to explain the fraud activity as not my own. On XX/XX/XXXX I received a letter stating the provision credit of {$41.00} would be deducted from my balance since I did not send in the fraud form. I did not receive any fraud form in the mail. I called again and a represent stated an email would be sent the fraud department asking them to send another form and not to deduct the {$41.00} from my account on XX/XX/XXXX. However the charge was still deduction and when calling on XX/XX/XXXX the representative said the {$41.00} can not be added to the balance on my account until the fraud forms are received. Its to my understand that when a person is notified by the bank of fraud activity the fraud charges are the customer 's responsibility and there is a 60day review time before a final decision is made. M & T bank did not give me 60days. They initiated the call since there system recognized the fraud activity yet I am being penalized for being a victim of fraud. I did not order any magazines not did I authorized any reoccurring charges on this account with M & T. Can some assist me with the matter. I am asking for the {$41.00} to be added back to my account.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In 2013 a XXXX male approaced me an manipulated me an pressured me into the bank of America on XXXX XXXX XXXX he then placed a fake check into the ATM with drawing over two hundred dollars then he ran away my accounts were then closed Ian a victim so please clear this up so I can open account again thank u remember I am a victim of fraudulent acks
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Every month I pay over the minimum balance due on my Conn 's account. My payment of {$4.00} was due yesterday. I received a text message reminding me and that was great. Today makes me one day past due, and the harassment begins : XXXX XXXX - recvd phone call at work. I sent it to voicemail, but no message was left. XXXX XXXX - rcvd past due email notification. XXXX - recvd 2nd call while at work, sent to voicemail, no message. XXXX XXXX - recvd 3rd call at work, sent to voicemail, no message. XXXX - Recvd 4th call, in heavy traffic heading home, sent to voicemail, no message. XXXX - 5th call, annoyed because they would n't leave message, so answered call, was general recording, no live person, terminated call. XXXX - Recvd 6th call, sent to voicemail, no live person, no message left. XXXX - Recvd 7th call. Extremely irritated, took call, went through all the prompts, finally spoke to live person. I asked why I 'm being harassed so much for a payment 1 day late and due less than {$5.00}, when I always pay over the monthly payment of about {$43.00}. Rep Ignored my question and informed me the amount of payment due and wanted to know if I would pay by check or credit card. I asked again about the calls and electronic notifications, to which she told me those were n't contacts because a live person did n't speak with me. Asked to speak with supervisor. XXXX, identifying as a manager, also said the contacts were not with a live person and notification otherwise did n't matter if they did n't speak with me live. I informed her I was on my 2nd day at a new job and that it was ridiculous to call so much for a payment due only 1 day late for less than {$5.00}. She offered to remove my number but I declined and informed her that I did not want to stop communicating with them, but that the harassment had to stop and that I would be filing a complaint. She said my account would be noted, and documented that she offered to remove my number but I refused. What the heck? This is complete harassment and Conn 's should not be allowed to treat consumers like this!! Especially when it 's for less than {$5.00}, and only one day late. This is nonsense!!
Consumer complaint received 2017-07-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Trust Management LLC (AL)

Global trust management llc, a woman named XXXX from Global Trust called my son, daughter in law, and granddaughter about a debt I supposedly owe. I have been at same address for 3 yrs and same phone number for 10 years. I do not know who she is and what she wants. I tried calling the number she left with my family. It always goes to voice mail. I do not want anyone discussing me with my family. What happened to privacy act. My granddaughter thought I had a wreck and the were trying to find me. She called me crying and stressing out. Thank you.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IL)

On XX/XX/XXXX a wage deduction order was entered for a fine that was owed to the cerks office in the city in which I live. To my knowledge any wage assignment must accompany some type of notice to the respondee giving them time to respond to the notice. On XX/XX/XXXX an amount of {$73.00} was taken from my paycheck. On XX/XX/XXXX I called my H.R. department and they said I had a wage garnishment from the State of Illinois. In which I later found out it was from a debt collecting agency called XXXX XXXX XXXX located in XXXX Illinois. I found out the contact information and contacted them immediately to find out exactly what or who I owed money to. I was informed that it was from a collection for a fine in XX/XX/XXXX. I then tried to make payment arragements all in the sameday, XX/XX/XXXX.I was told buy a very rude gentleman that I could not make payments on the account and it was nothing I could do but to accept the garnishment. My initial amount owed on this old fine was {$2300.00}. I found this out buy going to the clerks office. I called XXXX XXXX XXXX on XX/XX/XXXX to see once again if I can make payment arrangements on the account since the garnishment is causing a huge financial hardship on my family.. I was then informed that I currently owe {$2100.00}. That is an outrageous amount because 25 % of my check has been taken since XX/XX/XXXX. The county clerks records says I owe {$1100.00}.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

Since XXXX XXXX 2017, I have contacted Equifax, Inc about my inability to view copies of my Equifax Credit File using any service ( XXXX, XXXX, equifax.com or any other provider. Companies and financial institutions are also unable to pull copies of my credit file since XXXX XXXX 2017 in clear violation of the FCRA due to Equifax XXXX XXXX active on my account despite the fact that I canceled this service on XXXX XXXX 2017 and have requested this be fixed but my requests have been null. On XXXX XXXX I ordered the Equifax Credit monitoring solutions which allows daily pulls of my personal credit report. Since then, I have pulled daily copies due to ongoing credit disputes on inaccuracies I am working on fixing. This stopped working XXXX XXXX and has not worked since then. Equifax needs to fix their credit lock system and unlock my Equifax credit file and they also have to remove soft inquiries associated with their Equifax product because after a few pulls credit reports locks which violates their contractual agreement with consumers. They claim I am entitled to unlimited daily Equifax Reports with paid subscriptions but after a few pulls credit reports automatically lock and do n't provide reports after self pulls reach a limit. This is clearly a problem. As of today XX/XX/2017, companies, financial institutions and I can not pull a copy of my Equifax credit report and requests to fix this has gone unanswered. They did manage to fix this once on XX/XX/2017 but stopped working again XX/XX/2017. They have to fix this issue or i will not be able to open financial accounts due to Equifax lock and soft pull issues. I called support today XX/XX/2017 and XXXX XXXX still active despite multiple tickets and soft inquiries not removed.. No one including myself or lenders can pull my Equifax Report XXXX This is extremely concerning.
Consumer complaint received 2017-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Neon Newco Corporation (FL)

XXXX   XXXX , there were several unathorized transactions made on my card through online. I have recieved  XXXX  out of the collective  XXXX  dollars but i still to the date of  XXXX   XXXX     2017  have not recieved any of my paperwork to file a dispute nor have i recieved the remainder by which the company  aceelitecard.com  has failed to provide as a record. The company is constantly tellibg me that the investigation is pendind the first time i believe they told me it wou ld be 7 to 10 business days, then after calling and questioning they ended up stating it would be 30 busin ess days now as of  XXXX   XXXX ,    2017 im told its probably going to be 90 business days. This is really been a convience to me for the past 2  months and it also raises an eyebrow towards speculation that maybe over this entire period of time possibly little by little my account has been jeapordized. Could someone please help me as i  XXXX   XXXX  am fed up with the lack of customer service priorty. Thank you
Consumer complaint received 2017-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I have one private loan along with Federal Stanford loans. When I asked if I could reduce the interest rate or reduce payments I was to, d that I could not change the terms. I was transferred around and really given the runaround.
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal la w. GLA has been reporting unverifiable and inaccurate inform ation on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2017-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (TX)

This is my second complaint against McCarthy, Burgess & Wolfe. After more than 4 months to send some statements in the mail not proving anything but someone charged a single charge on the card. It did n't prove anything else. They did n't even send an agreement between the business and XXXX XXXX. Their only concern is collecting money on a debt that they purchased from XXXX and it does n't matter that I do n't owe it! This company is trying to collect a debt that I originally disputed with XXXX XXXX XXXX. I never used or activated the credit card but they let someone charge a {$800.00} charge on a card that was never activated and I explained that to XXXX at the time. My question was how can you let someone use a card that was never activated and why are you trying to insist that I pay for a charge that I did n't make and I disputed with the company! I blame XXXX because the card was never suppose to be used without activation first! I tried to solve the matter with the representative but she told me that it did n't matter if the card was activated or not, it was used! I was shocked because for one I did n't make the charge and for two why bother with security and activation process when someone can use the credit card without the owner or company representatives activating the card. This is my second complaint because this collection company sent me copies of statements in the mail claiming that 's verification that I owe this business debt. But it 's not proof that I owe the debt! There is no signatures from company representatives, no activation process, and the charge was n't related to anything with the business. It was only one charge on that card and like I stated previously, it was disputed because it was n't mine and they should n't have let it be charged in a card that was not ever activated by me to authorize use! I also asked the collection company for the agreement between them and XXXX to even be able to contact me about this debt with the amount they purchase the debt for if any.
Consumer complaint received 2017-07-24
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: EQUIFAX, INC. (OR)

I have disputed an account called XXXX XXXX on my equifax credit report. I do n't believe this account belongs to me. I have been provided with no proof that I have contracted with them. No documents showing that I agreed to owe them money. Equifax also removed this account then added it back the next day which dramatically affected my report negatively and they did not notify me of this activity which they are required to do. I have notified equifax of this error and they still refuse to abide by the FCRA.