davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

On XX/XX/XXXX, I filed a complaint with you regarding the PIONEER CREDIT RECOVERY, INC. due to their inappropriate behavior towards me when my account was sent to them by NAVIENT SERVICING. I contacted PIONEER, as you recommended, but they were persistent in trying to get me to commit to a " repayment '' plan. Again, I insisted their involvement was in error, and that I would not make any commitment with them. I also told them I had been attempting to get in contact with NAVIENT, but could not reach a person to talk with directly. The PIONEER representative gave me a " direct line '' phone number that actually was the same as the one I had been using. I even attempted to contact NAVIENT online, but my password was not accepted. 
Since then, I have attempted to get in touch with NAVIENT in order to straighten out this matter. I immediately contacted NAVIENT, again, after receiving your " resolution '' regarding PIONEER, in XX/XX/XXXX. As I stated before, my account should have never been sent to PIONEER, in the first place. In XX/XX/XXXX, I had made payments to NAVIENT totaling XXXX ( {$1200.00} ). On XX/XX/XXXX, I finally received a response to my fax from NAVIENT regarding this, however THEIR accounting of my payments were, also in error. 
According to PIONEER 's correspondence, they said I had gone in default in XX/XX/XXXX, which is also not correct. I contacted my bank, and requested statements since XX/XX/XXXX. My statements further indicate I had been making payments to XXXX, and then NAVIENT. At the time, I was also under a DEFERMENT, but wanted to make a " good faith '' payment, anyway. 
The latest communication I have received is from PIONEER, again. They have " threatened '' to garnish my salary! Once again, I have FAXED twice to NAVIENT to attempt some sort of resolution with them. Again, my account should NOT have been sent to PIONEER, and I want to make an accurate accounting regarding past payments, and resolutions with NAVIENT that do not include PIONEER. 
Succinctly : 1. I want the " harassment '' to cease from PIONEER. 
2. I want to speak DIRECTLY with NAVIENT regarding the accounting of previous payments since XX/XX/XXXX. 
3. I am willing to make/continue making payments to NAVIENT once this matter is resolved ( my payments of {$200.00} each, were sent back to my bank when NAVIENT claimed no record of my account with them ). 
All of this is extremely disturbing. I would appreciate your assistance.
Consumer complaint received 2016-10-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There are XXXX issues. 

# 1 The accounts are listed as closed when they are not. 
# 2 My responsibility on the XXXX other credit cards were as a joint credit card account holders, not an authorized user. Both accounts I am co-account holder, not an authorized user. My social security and credit is on both accounts as responsible for payment. 

This includes XXXX cards, in the name of XXXX XXXX ( ss # XXXX ) and XXXX XXXX ( ss # XXXX ), billing address XXXX XXXX XXXX, XXXX NY XXXX, Tel Numbers XXXX/ XXXX The credit card account opened XX/XX/XXXX with Bank of America XXXX. 
The credit card account opened XX/XX/XXXX with Bank of America XXXX. 

What does n't make sense is that when we call all the information is correct and the accounts are still listed as open and joint. So we asked why it was n't being reported correctly ( the credit bureaus claimed it was Bank of America reporting and we had to talk to them ). No one knew who we should speak to or what to do. We asked to file a complaint. 

We were finally transferred, with both of us on the telephone, and reached an escalation / debt collections person at Bank of America to ask for the information to be reported correctly, with both of us on the telephone that we reached a lady named XXXX who seemed to be confused and was very belligerent. She was under the wrong impression that we had debt or was late on payments, when we have XXXX debt and have never been late. We have the recording of her yelling and not listening as we both tried to calmly explain, or be put in touch with someone who was in the correct department. 

This lady XXXX from Bank of America stated everything was on our applications, that the Bank does not report anything in error. We stated that this was not true, because she was contradicting what the customer service representative said, and requested a copy of the applications. The lady, XXXX, replied that we could not have a copy of our consumer agreements which we have a right to have a copy of.
Consumer complaint received 2024-10-19
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (MO)

I submitted dispute claim XXXX on XX/XX/year>. The totaling amount of this particular claim is {$5700.00}. It is approaching its second month of non completion. I most recently contacted the company within hopes of positive feedback and was surely given uplifting news that the funds taken without authorization are being reclaimed. There hasnt been any progression details to follow. Neither email or phone call ; even though I was informed that I would be receiving an email update every ten days. When I did receive an email update it was compromised of very vague details to no communication whatsoever. There have been other payments from merchants that have been included within the said dispute claim. Although, the merchant XXXX is being inattentive with communication towards a swift resolution towards the claim.
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

TSI XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX XXXX XXXX Have been calling me about a debt that does not exist. I contacted the company they represent, XXXX XXXX who indicates I do not have any debt with them. TSI is persistent in the calls. XXXX XXXX has been notified. THE CFPB needs to strengthen its resolve to protect the consuming public. Errors are permitted by the likes of XXXX, XXXX, XXXX and countless others not reported. There should be some type of real penalty. 

Double standards - CFPB should help find equity in consequences.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Office of Attorney General 1339  unverified/inaccurate account
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letters to TRANSUNION disputing the credit reporting on the following items on XX/XX/XXXX which they received on XXXX ( XXXX XXXX : XXXX, XXXX, XXXX ) : XXXX - XXXX XXXX XXXX PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX on all XXXX accounts with XXXX. 
CREDIT XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XX/XX/XXXX AND XX/XX/XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XX/XX/XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. I sent them letters again on XX/XX/XXXX ( This time all in XXXX envelope, tracking number XXXX XXXX XXXX XXXX XXXX ) and still have not received anything back from them. It has been more than XXXX days since my original letters sent. 

When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.
Consumer complaint received 2017-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Sometimes XXXX calls a day. Starting at XXXX till XXXX. They got my mother 's phone number and called her repeatedly. Received phone calls before payment was pass due. Amount owed is under XXXX dollars. PayPal representative talked over me and was obviously not listening to a word I said. Set up a settlement was told the first XXXX payments were scheduled then find out only the first XXXX was scheduled after representative told me XXXX were scheduled. PayPal is harassing me for XXXX dollars with a XXXX. Repeated calls to my XXXX XXXX XXXX mother is unacceptable.
Consumer complaint received 2017-02-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bank ( Bank Of America ) debited my account over {$840.00} for a legal action taken against my account ( It was an old debt. ), and then debited {$120.00} service fee for the task of performing the debit. They had done so without any prior warnings. not even an alert which im enrolled to receive. So as I paid a couple of utility bills, I paused to check my checking balance. and was in total shock to see my balance was -XXXX I was over-drafted by {$35.00} and that was the over draft fee. The next few days I was heavily bombarded with returned payments along with the bank fees and more over draft fees. Which only added insult to my injury.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (PA)

Pinnacle has refused to correct their false information and have not met the FCRA standard. Consumer is seeking the licensed and registered agent in Pennsylvania to pursue action for violations by Pinnacle. 
Creditor, collection agency and credit bureau, if they reage your debt ( FCRA section 605 ( c ). 

Creditor, collection agency if they report your credit history inaccuratley ( extent of damages incurred ) a collection agency can not misrepresent a debt as to the date, legal, or amount ( FDCPA ) FCRA Section 604 ( A ) ( 3 ) covers the pulling of a credit file without permissible purpose
Consumer complaint received 2016-05-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

These Ace cash express people keep calling evey one they can about a debt that is in my name. They even called my ex husbands wife at work in the middle of her work day to harass her. This is not my debt, I have never taken out a pay day loan and this is n't even on my credit report. After speaking to my ex husband he stated they have been calling him and harrassing him for the last two years, however these people have not contacted me.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MI)

I had finished a " Making Homes affordable '' program here in Michigan with Specialized Loan Services ( SLS ). They received an allotment of money from the program each month and I furnished a lower version of my normal monthly premium. When the program came to an end, my mortgage went back up to its regular amount. I began making a regular payment and certainly able to do so, now that I am on retirement social security. Without notifying me ahead of time, SLS switched my mortgage back to XXXX XXXX XXXX XXXX XXXX XXXX. I was notified only after the fact, when my payment was en route through the postal service. Within a very short time, ( again without prior notification ) XXXX sold my mortgage back to SLS. Again only after I had sent out another payment. I have been making steady payments with no issues, but two days ago i received a certified letter from SLS saying they are going to foreclose within thirty days, because there is an arrears of XXXX. I am enclosing copies of receipts of my payments and all letters I received.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (DC)

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 
I received a letter from Wells Fargo on XXXX XXXX, 2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did not make any additional charges whatsoever after receiving the letter on XXXX XXXX, 2016. 
Logging into my online account yesterday, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf.
Consumer complaint received 2017-09-18
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. (MS)

XXXX is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both XXXX and the XXXX XXXX and has not received a response to my compliant.
Consumer complaint received 2017-09-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (TX)

I contacted PLAZA SERVICES on XXXX/XXXX/XXXX and spoke with a manager. I stated to her that I received a response from the company stating that the account was recalled from collections. With that being said the account is still reporting on my credit report and when I asked her why she informed me that they still have the authority to report the debt even though it was recalled from collections which I know is ILLEGAL on all aspects. She was very rude and that 's not good business practices especially when you are trying to collect a debt that has been bought for pennies on the dollar which still has not been proven to be mine. Not to mention she did n't even state that that was a debt collection agency and that was an attempt to collect a debt. I will not hesitate to take legal action because I have been compliant on my part. I have already started the proceedings and if the company does not comply with the FCRA from this point on I will not hesitate to proceed with my lawsuit.
Consumer complaint received 2017-09-18
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. (MS)

Experian is reporting a debt that is not mine, I never lived in the state or the address that the account was opened. The debt is {$400.00} and I have contacted both Experian and the XXXX XXXX and has not received a response to my compliant.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX XXXX, XXXX I paid my XXXX over the amount that was due. I ended up calling XXXX to refund the money back to my account in which they did. I look at my account today and see that American Express Serve is holding the amount that was taking out of my account. They keep sayings its there policy but numerous times I have received refunds in a timely matter. They state its due to the amount but its my money and I should not have to wait XXXX days to receive my own money back especially when I have bills to pay. This company continued to mislead customers and its not fair one bit.
Consumer complaint received 2017-09-18
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. (OR)

In XXXX XXXX, I graduated from school and initiated an income-driven repayment plan with XXXX XXXX, now Navient. I made IDR payments monthly and on time from XXXX XXXX through XXXX of XXXX. I XXXX XXXX I requested an internship/residency forbearance to start in XXXX of XXXX through XXXX of XXXX, when I graduated residency and resumed income-driven payments. My XXXX of XXXX loans were then transferred to XXXX in XXXX of XXXX due to my qualifying for the public service loan forgiveness program. 

Navient has inexplicably recorded that I was in forbearance from the start of my residency in XXXX XXXX, in spite of the fact that I was in an income-driven repayment plan from XXXX through XXXX and made all payments on time. I would not have requested a forbearance to cover a time period that I had already made payments. I have spent countless hours on the phone with Navient customer service who will, on the phone, state understanding of my dispute and that they will fix it, but then when I call back it turns out that the request has been 'denied ' by unknown individuals. I never receive any written notice of this denial, I am forced to call and wait on hold ( at times for up to XXXX hours! ) to speak to an individual. 

Because their records, provided to XXXX, incorrectly state that I was in forbearance form XXXX through XXXX, I have approximately XXXX years of payments that should have qualifying PSLF payments that are not being counted. 

They also have refused to provide me with any direct phone number to their department. Their automated phone number apparently rejects my phone calls and transfers me to an offshore federal loan servicing department that then has to transfer me back to XXXX of XXXX. The reason stated for this is that my loans are no longer 'active ' with them so I am not allowed to call their customer service line. Needless to say, this has wasted hours of my time trying to get the people on the line to deal with this issue.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Jim Bottin Enterprises, Inc (TX)

I signed up XXXX 2017 with XXXX XXXX, XXXX XXXX, XXXX XXXX, tx for a monthly membership of {$8.00}. ABC Financial Inc is the monthly deducting company. 
XXXX XXXX XXXX, XXXX, AR XXXX Back in XX/XX/XXXX I informed them that I have been relocated overseas and I would like to cancel my membership. The clerk at the front desk said it will be cancelled. For two months ABC Financial Services was debiting my account for the fees. I called again and spoke with both the fitness club and ABC financial Services. ABC financial said they needed documentation to confirm my move. So I provided them with Government issued Visa and residency card as proof of the move.
Yesterday I received an email stating that it was not suffice and they needed a one way ticket.  I did n't keep the ticket. 

I have done what the ABC rep told me to do and ABC continues to charge me the monthly fee and late fee and service fee. Now totally {$39.00} a month. I have provided everything they need to cancel this membership and they a purposely delaying the cancellation to charge additional fee. 

I really feel upon my return they will damage my credit. 

Please help me resolve this matter. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX