davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion , LLC is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a bankruptcy that showed up on my credit report. Every time I send TransUnion a letter requesting signed written verification or validation, They just send me a letter back stating that it has been verified. So I called the XXXX Courts and I was told by the Courts that they do not, will not and ever will report to the credit reporting agencies due to privacy laws. what baffles me is that TransUnion is claiming that this account was verified, Who is verifying it?? I have attained legal counsel over this matter and will be filing a lawsuit as soon as possible. According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Law to verify, Through the physical verification of the original signed consumer contract, Any and all accounts they post on a credit report otherwise, Anyone paying for their reporting services could fax, mail or email in a fraudulent account. If this account can not be verified or validated, It must be deleted immediately!!! If you need any more information, Feel free to call me at this number, XXXX XXXX XXXX XXXX. XXXX XXXX.
Consumer complaint received 2016-08-11
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

I am writing to you about an account that XXXX XXXX XXXX XXXX which they purchased from another company called XXXX XXXX XXXX ( Preditory Lending ). My account has been written off by the vendor for over 7 years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX4 times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX MN and also my congress person XXXX about this matter. I already tried talking to XXXX of their representatives about this matter, but all he did was yell at me and also treated me like garbage.
Consumer complaint received 2016-11-21
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bridgecrest Acceptance Corporation (TX)

I have contacted XXXX XXXX as it shows on my credit report ) and was told this is now Bridgecrest. I contacted Bridgecrest about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XXXX XXXX an employee of ours forged my name on a company check and cashed it for {$2000.00}. After an audit of the account in XXXX this fraudulent check was found. I went to the police and they obtained pictures of her cashing the check, the cancelled checked. I pressed charges against her, she admitted to signing and cashing it and she was arrested and charged accordingly. We filled out a Domestic Collections Fraud Packet Information with 5th/3rd Bank on XXXX XXXX. 2016, and submitted it to the Bank. After countless phone calls and transfers to different departments to check on the status of the Forgery/Fraud Instrument Affidavit we were advised it could take up to 45 days before review and refund of our money. Today we received a letter from the Dispute Resolutions Manager at 5th/3rd Bank, that our claim for Check Fraud had been declined due to " past time frame to dispute ''. It was less than 4 months before we found the forged check. I do feel this is adequate time in which to gather information and proof of this crime. The is a business account and is very active. The 5th/3rd Account is a secondary account and was not immediately looked into for forgeries. We feel that only giving 30 days to file the Forgery/Fraud Claim is not sufficient time for a crime taking place at a business, After all, it takes 5th/3rd Bank 45 days to come to a decision on this claim.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (UT)

My student loans used to be managed by XXXX before being transferred to Great Lakes upon relocation. XXXX mismanaged my student loans and Great Lakes has done the same when they took over. My student loans should be forgiven as a result. I do n't think the loan balance and interest is correct and it has caused hardship to me and my family.
Consumer complaint received 2017-03-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: New Century Financial Services, Inc. (NY)

I was garnished for a debt by new century and I do n't owe the debt wssnt provided the original debt info and cause embarrassment at my employment for.garnishment and not.knowing about this debt or court to dispute the debt ..I was garnished which cause extreme financial hardship and still ca n't find what this debt was for and I do not owe this money
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc. (OH)

Victoria Secret / Comenity Bank is reporting twice on my merged infile credit report! 
I am trying to buy a house and this account is showing up twice. Victoria 's Secret sent me a new card and told me to destroy the old card because they went from a XXXX digit credit card number to a XXXX digit credit card number. It should only be reported ONCE NOT TWICE!!!! IT IS THE SAME ACCOUNT! PLEASE FIX IMMEDIATELY IT IS AFFECTING MY CREDIT NEGATIVELY! IT IS SHOWING XXXX BALANCES THE SAME AND XXXX CREDIT LIMITS THE SAME. IT IS ONLY XXXX CREDIT CARD NOT XXXX!!! I called and talked to Victoria 's Secret customer service and she said I had to take it up with the credit reporting agencies and that they could not help me. She said this has happened to other credit card holders too. This is unacceptable and is affecting my credit!!!! because they changed to a longer digit credit card number for all Victoria 's Secret credit card holders.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A card authorized to my mother by my fathers credit card was falsly reported on my credit report. Per XXXX XXXX ( XXXX/XXXX/2017 ), they do not have my ss # on file for this cc or for it to show up on my credit report only the shared name of my mother.
Consumer complaint received 2016-09-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: American Credit Financial (SC)

Americancreditfinance XXXX calling threatening to deliver papers to job after already over paid the installment loan. They are saying I owe another payment. Will not allow me to speak to Supervisor. The guy who threaten me keeps answering every extension saying supervisor not available.
Consumer complaint received 2016-04-19
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

STATEMENT OF PROBLEM : We applied for a VA Mortgage Loan through USAA.com. We received a mortgage Pre-Approval letter from USAA. We sent an Offer to XXXX at XXXX XXXX XXXX XXXX XXXX, Mo XXXX, dated XXXX/XXXX/2016. We provided USAA with all the requested documents by the dead line XX/XX/2016. 
XXXX/XXXX/2016 we received a loan estimate ( extension agreement ) to lock the interest rate since USAA were unable to get the title cleared by the original closing day XXXX/XXXX/2016. The processor during this time were XXXX ( XXXX ) XXXX ext XXXX. 
XXXX/XXXX/2016 we received a voice message from XXXX XXXX XXXX # XXXX he is now our new processor for the loan. We were not provided details as to why XXXX XXXX were removed from the loan process. We were told our new closing date would be XXXX/XXXX/2016 as you know by now that did not happen either. 
XXXX XXXX received a call from XXXX XXXX requesting another loan estimate ( extension agreement ) on XXXX/XXXX/2016 since USAA will not able to meet the closing date for XX/XX/2016. The title company is working on the payoff figures. Now they are requesting statement from XXXX TSP account which we provided. We now have a new closing date for XX/XX/2016. 
We received a call from the title company XXXX XXXX XXXX on XXXX/XXXX/2016 advising not to show up for closing at XXXX because they have not received the closing package from the lender USAA. My wife spoke with XXXX on XXXX/XXXX/2016 and he did not inform her/us that the closing package has not been provided to the title company and closing we not be taking place as scheduled. He requested bank statement for 30 days which we provided. 
XX/XX/2016 XXXX request proof of my wife XXXX for 30 days. XXXX only come out each quarter. We provided USAA with 30 day history of my wife XXXX 
XXXX/XXXX/2016 Called XXXX at USAA to get a status updated for closing. We were told the underwriter now wanted an updated 30 day statements from my wife XXXX with her name and account number. My wife informed XXXX the website does not allow her to provide the account number from here retirement account but it will show her name and history transaction from XX/XX/2016 - XX/XX/2016. 
XX/XX/2016 This is the last email we received from USAA rep XXXX XXXX From : XXXX, XXXX [ XXXX ] Sent : Monday, XXXX XXXX, 2016 XXXX To : XXXX Cc : XXXX Subject : RE : EXTERNAL : RE : XXXX Ma'am are you having trouble obtaining that statement? We need to get the final approval from underwriting in the next few minutes in order to close tomorrow. If we ca n't make a decision shortly, we 'll have to postpone closing again at the cost of another lock extension fee. Please advise. 
XXXX XXXX XXXX, XXXX # XXXX | XXXX, USAA XXXX, Texas XXXX Office : XXXX ext XXXX | Fax : XXXX XXXX usaa.com | XXXX/usaa | XXXX/USAA If at anytime your needs or expectations are not being met please call XXXX ext. XXXX
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I recently submitted an application to Navient to release my mother as the cosigner to XXXX of my student loans with the company. I took out this particular loan during the summer of XXXX with an interest rate of 3.5 %. According to Navient if I make on time consecutive payments for at least one year at the interest rate I agreed to when I took out the loan I could apply to have my cosigner released. I have been doing just that for more than 12 months now and I just received a rejection letter from Navient because after pulling my credit report they have determined that I have big debt items on it. The only major debt that I have on my credit report are student loans from Navient/XXXX. I have been making consecutive on time payments with XXXX/Navient since XXXX, so I dont see why I cant have my mother taken off as cosigner to my XXXX loan. I especially think that this is unjust because I have followed their guidelines to the letter and after meeting all of the requirements they have chosen to reject my application.
Consumer complaint received 2016-11-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo wo n't let me log into my account, even though it 's a student loan not a bank account, without getting a text message. This is problematic because cell phone numbers are associated with so much now it 's a privacy issue and an identify theft issue. There is no email option to verify your account. I want to be able to log into my account without a text message verification.
Consumer complaint received 2017-03-24
Product: Payday loan — 
Issue: Can't contact lender — 
Company: USI Solutions Inc. (OK)

I get robo calls from XXXX USI Solutions , Inc. to my phone XXXX at least several time per week. I am on the do not robo call list. They say they are a dbt collector. I phoned them once on XX/XX/2017 and asked for documentation and gave them my XXXX, XXXX, OK XXXX address and gave them verbally 30 days to respond. I told them to stop calling until I got the documentation at which time I would call them. I have never received the documentation. They have continued calling throughout the relevant time period. When I try to call them I get no answer. I have tried repeatedly to call them and there is never any answer. Please help me to stop this harassment on my business phone number.
Consumer complaint received 2016-04-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding is still reporting a delinquent account on my credit file despite its failure to prove its claim in court when it sued me and despite multiple requests asking it to stop reporting derogatory information on my credit file and remove negative information it 's been reporting about me since XXXX XXXX. 

Midland Funding has never advance any fund to me. It falsely claims that it became my " creditor '' when it allegedly purchased a debt I owed XXXX. it claims XXXX sold the debt to XXXX XXXX and it acquired the debt when XXXX receivable merged with XXXX XXXX and when it subsequently merged with XXXX. 

Around XXXX, out of the blue, I was receiving collection letters from Midland Funding asking me to pay {$2400.00}. When I finally requested debt validation, it immediately proceeded to suing me even before responding to my debt validation request. 

I responded to the lawsuit denying owing money to Midland Funding. When preparing for trial and examining Midland Funding 's evidence documents I noticed that the documents and affidavits were bogus. That they were prepared to fit its false claims. So I subpoenaed specific evidence but on trial date Midland Funding could not produce any specific evidence to prove I was obligated to it and decided to dismiss the case against me. 

But to my surprise it was still reporting a negative account that it could not prove in court. 

In XXXX XXXX I contacted Midland Funding asking it to follow through with the dismissal by removing unsubstantiated negative account it was reporting with all XXXX credit reporting agencies. 

Midland responded not only saying its reporting was accurate but started updating the account every month without any purpose and manipulating my credit file, dropping my credit score in the attempt to bully me into paying a debt I do not owe.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a dispute with XXXX XXXX over a a cancellation fee they are charging me. The merchant has provided capital one dispute team, with inaccurate false information and Captial one 's dispute account managers are not doing their due diligence in investigating the situation. I have been told misinformation since XXXX XXXX, 2016 and my last encounter with the rudest account manager i have experienced there is what has drawn me to file this complaint. He proved to me that they are not reading the submitted materials. They are interpreting hard facts in the favor the merchant. THe last account manager, Said he was the HIGHEST person I would be able to talk even if the information he provided was inaccurate. I asked him for his name and ID and his name is XXXX. His attitude and knowledge exemplifies the on going problems that Cap One has with proving customers with accurate, timely information.
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF HAWAII CORPORATION (HI)

I opened an account, on XX/XX/XXXX. There were checks ordered, for the account. I should have been billed, for the product, in the first few days, like, by XX/XX/XXXX. The company creating the checks, did n't bill me until XX/XX/XXXX. They did so by check. I never wrote a check. Also, apparently, they have the practice of waiting to bill the customer, until they have produced the checks ( which I claim, is a faulty billing process ). That 's XXXX XXXX. The bank is Bank of Hawaii. The bank charged me XXXX, for the first bounced check, a billing I did n't receive, until 14 days after ordering ; which, itself, is not good practice ; I expect to be billed, when I received the order. I never received any billing statement, or notice of actual cost of the check book, because the account-opening portion of the application ( boh application, ipad ) never stated how much I owed. 

The XXXX XXXX company, bounced XXXX check, for {$13.00}, three times, in the account. They only did that, I assume, because of some protected relationship with Bank of Hawaii. I assume, that an ordinary organization, can not thrice bounce, XXXX check, in an account. So. That leads to the question, why the long billing cycle, instead of a timely one. So. The thrice bounced checks are the fault of the Bank of Hawaii, because of permissions, granted by them, to XXXX of their contracted affiliates. So. I 'm willing to pay XXXX fee of {$26.00}, but not XXXX. The manager comes back with - via the car sales teller, apparently - that he 's willing to remove XXXX overdraft fee, ( so its ok, for a company to double bounce unwritten checks, instead of cancelling an unpaid-for order ). 

In addition, there were {$10.00} per week XXXX balance fees. I get paid once per month, on the first. At the time of XX/XX/XXXX, I was willing to pay {$26.00}, only. But the charge at that time was like {$90.00}. I had my ipad stolen, at the same time, and my debit cards were stolen. I was unable to access my bank account, at the time, to sort out the charges. I would have paid the {$26.00}, but not the {$90.00}. I am requesting to pay nothing more, than the ( XXXX ) bounced check fee, ( ~? ) {$13.00}, for the cost of the checks, and any XXXX $ balance fees that happened, before XX/XX/XXXX. 

In other words. The additional XXXX overdraft fees, are the fault of Bank of Hawaii, and were not authorized by me ; and, I deserve time, to be able to talk about it. 

Thank you.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA knowingly uses a criminal enterprise to steal vehicles, cash inside the vehicles and personal identifiable information. 

USAA promised me I was being considered for a loan modification and promised me as long as the loan was in the process that nothing would happen. I find out later they lied and my vehicles were stolen off my property. 

USAA rep told me once a decision was made on the loan modification that I would have 5 days to bring the loan current if it were over 60 days. They lied and pulled a bait and switch.
Consumer complaint received 2016-04-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: College Assist (GA)

To Whom It May Concern, I NEED YOUR HELP! I 've been unemployed/underemployed and struggling from XXXX XXXX until XXXX XXXX when I secured a job as a XXXX XXXX at XXXX XXXX XXXX School. I served this country honorably in the XXXX XXXX for eight years and never shirked my responsibilities to this nation. 
I was forced into bankruptcy and was terribly disturbed that I defaulted on my obligations ; however, I attempted my very best to work with my creditors. As I 've been digging myself out of the deepest hole of my life coming from a place where I lived out of my car for six months, I started to turn the corner. Teachers already struggle to make a living because there is n't any value in the educators of this nation. 
I submitted my education deferments for my student loans every year. My mortgage is due at the XXXX of each month. Recently, I discovered a company that I 've never heard of garnished my check which caused me to default on my mortgage and now I 'm under the threat of becoming homeless. This company : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account # XXXX This company on behalf of XXXX/COLLEGE ASSIST ( a company I 'm unaware of its existence ) filed legal paperwork without informing me or serving notice and just received a court order to garnish my check. 

College Assist XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Student Loan - Account Number XXXX I called after sending several deferments each year to the Department of Education concerning their rehabilitation program because my current income is so far under my expenses - I eat out of garbage cans some times to ensure my kids can eat. These XXXX companies have ruined my life and caused extreme hardship. As a military veteran - I 'm begging for help and relief from this situation. A Veteran needs help ASAP!!! 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MN)

In XXXX I signed up to attend University XXXX XXXX XXXX. I placed a loan for XXXX. Unfortunately due to unforeseen circumstances, I had to withdraw. I was told that if I withdrew before the time frame, I would not owe the grant I received ( I already knew I was going to have to pay back the XXXX ) in XXXX, I received a phone call from a lady telling me she worked with XXXX XXXX and she was calling in reference to my accounts. I told her I only had XXXX account and she proceeded to tell me " no you just must not remember but you have XXXX. '' I know what I had since I did n't attend long. She kept telling me that I had to consolidate and there was nothing else we could do. I kept telling her that i did n't want to consolidate as i only had the XXXX loan. She repeatedly kept pushing me telling me that this was the only option otherwise they were going to take my taxes for a very long time. Finally i agreed to consolidate. She told me i had to send a certain amount of payments and then before i send anything else after those payments, wait for my coupon book to arrive. The coupon book never arrived and XX/XX/XXXX, my taxes were taken in the amount of XXXX. I am a mom of XXXX and live paycheck to paycheck as it is. I know that i did not have XXXX loans from XXXX XXXX. Now that they have changed their name, they are again telling me i had another loan " I must have forgotten about '' how are they able to do this????
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Lockhart, Morris & Montgomery Inc. (CA)

I received a call from ( XXXX ) XXXX the caller identified herself as XXXX XXXX, she said that she wanted to contact a friend of mine XXXX XXXX and that she had a job offer for a truck driver position, she told me she was unable to contact his partner and I was his emergency contact from his last driving job, and she needed an answer today if possible and could I try and get ahold of him. I asked if this was a debt collection call she said emphatically no!