davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

Complaint against Western Union Location in XXXX XXXX : This is not the first time this happened to me. I sent money and was told that the money will be available on XXXX XXXX. I told my son to pick-up the following day because of the previous experience when he came on the date we were told the money was available just to find out it was not. Today is XXXX XXXX, my son went to pick-up and AGAIN was told the money is not available. I called Western Union and the agent said the money is already available. This is the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX location.
Consumer complaint received 2017-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

I was not advised of the high interest at the beginning. I borrowed {$620.00} and have paid {$1300.00} dollars so far and headed toward {$3000.00} to pay back
Consumer complaint received 2017-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

TO SPECIALIZED LOAN SERVICING : THERE ARE NUMEROUS REQUESTS AND COMPLAINTS TRYING TO RESOLVE THIS ISSUE. THE RESPONSES ARE NOT TO THE EXACT REQUESTS AND APPEAR TO " DANCE AROUND '' THE ISSUES INSTEAD OF DIRECT ANSWERS. THE FIRST COPY OF THE " HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT '' YOU PROVIDED FOR THE FIRST TIME TO ME, XXXX XXXX IS AN ALLEGED DOCUMENT I WOULD NEVER AGREE TO. THIS WAS EXPLAINED TO YOU ... ... IT HAS TO DO WITH WHAT SPECIALIZED LOAN SERVICING HAS NOW IN THEIR POSSESSION FOR AUTHORITY TO COLLECT FOR THE XXXX XXXX XXXX XXXX XXXX. I INFORMED SLS OF ADDITIONAL DOCUMENTS WITH NO AUTHORITY AS WELL. I HAVE CONSISTENTLY REJECTED THIS COPY AS WELL AS REJECTED THE MOST RECENT VERSION SLS HAS PROVIDED WITH A BLANK ENDORSEMENT OF A XXXX XXXX XXXX. SLS HAS REFUSED TO DISCLOSE THE SOURCE AND TIME IT WAS ACQUIRED OR ANY DISCLOSURE RELATING TO THIS SECOND VERSION OF THE HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT. THIS IS OF GREAT CONCERN AS IT IS NOT WHAT I SIGNED AND IS LIKE A XXXX OF XXXX IF ACQUIRED BY ANY MEANS BY ANOTHER PARTY. ALL I HAVE ASKED IS FOR HELP TO FIND OUT WHERE THE PROBLEM STARTED AND WHERE YOU ACQUIRED THE SECOND RECENT VERSION OF HOME EQUITY LINE AND DISCLOSURE STATEMENT. YOU HAVE NEVER IN ALL THIS TIME INVESTIGATED OUR CLAIMS TO ASSIST US IN FINDING WHO HAS THE ORIGINAL COPY. YOUR CLAIMED RESPONSES ARE NOTHING NEW AND AVOID THE REAL REQUESTS THAT ARE AT ISSUE. SLS THROWS IN IDENTITY THEFT AND OTHER SILLY STUFF THAT DOES NOT ADDRESS OUR COMPLAINTS. THIS WHOLE LONG DRAWN OUT ORDEAL HAS AND IS CAUSING US MUCH DISTRESS AND EMOTIONAL TORMENT BECAUSE SLS REFUSES TO HELP AND CONTINUES TO AVOID DIRECT REQUEST ANSWERS AND FOR SOME REASON WILL NOT DISCLOSE INFORMATION ABOUT THE SOURCE OF THE SECOND ALLEGED LOAN DOCUMENT. WE SHOULD NOT BE MAKING PAYMENTS BECAUSE NOTHING SHOWS THE RIGHT TO COLLECT FOR XXXX XXXX XXXX XXXX XXXX. THE STRESS OF INVESTIGATING ON OUR OWN WITHOUT THE ANSWERS FROM SLS IS CAUSING MUCH ANXIETY AND EXTREME PRESSURE ON US. SLS ARE WITHHOLDING ANSWERS AND INFORMATION THAT COULD ASSIST US IN THIS SEARCH. SLS CONTINUES TO REQUEST INFORMATION AND DETAILS THEY ALREADY HAVE THAT HAVE NO BEARING ON THIS ISSUE
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION (CT)

AgencyXXXX reported incorrect public information on a background check related to my drivers license. Disputed the claim with the AgencyXXXX. AgencyXXXX merely verified that the information they obtained, thru reporting agencyXXXX was identical. AgencyXXXX did not require AgencyXXXX to verify the information supplied. AgencyXXXX referred me to AgencyXXXX to dispute the issue. AgencyXXXX required additional paperwork, and 30 days to investigate. I have referred AgencyXXXX to the public source of the information which has a public portal / direct access to the info. Information ignored. By having this layering of supplying agencies, disputes are never truly investigated back to the source.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened up an online checking account with CapitalOne 360 a couple weeks ago to deposit a check. This is my first bank account and the check was a financial aid pell grant issued by my school. I deposited it into my CapitalOne checking account and waited a couple days for it to verify. After that, I saw that my account was locked, and that I could n't access my money. I called CapitalOne 's customer service number and was transferred to security. The man on the other line was n't very helpful. He said some things like the check could be a fraud check. He could n't tell me what the problem was and said to wait a week or and then they 'll tell me what was wrong. I waited but there were no changes to my account. I called the issuer of the check ( XXXX ) to see if the check was valid, and they confirmed that it was. I still could n't access my money, so I called CapitalOne 's customer service again, and they told me that there was nothing they could do and that only their security team could fix the issue. I asked them to transfer me to security and they told me that they could n't, which is weird because they did it the first time I called. I found the number for security on CapitalOne 's website and called it. I was sent straight to voicemail which told me to explain my issue and I did. The voicemail said that I would get a call back soon. I waited a couple more days and nothing. I called CapitalOne 's customer service again and they could n't help, and said they 'd let security know about my issue. They said that they could n't transfer me to security, and that there was no way of contacting a live person who works in security. Security has to call me themselves. They have to call and they ca n't even email me. This is an issue for me because I am busy throughout the week and I could be in class if they call. If I miss the call, then what? I told them okay, let security know. This was on a Friday, and they said security would call back on Monday. They did n't call me. I called CapitalOne 's customer service today explaining my issues again. They again told me that they could n't do anything and that their security is backed up. They gave me the number for security and I called it. It was the same number from earlier that led to voicemail. Only this time, I could n't even leave a message, their voicemail box is full. This is ridiculous. I am being bounced around back and forth with no resolution.
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AR)

XXXX XXXX continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to  provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
Consumer complaint received 2024-09-16
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Earnest Inc. (GA)

Due the excessive cost of earning my XXXX XXXX, I had to take out a private loan to cover the cost of tuition and fees. The private loan lender that I initially utilized to cover the expenses was Navient. My original interest rate on that XXXX  loan XXXX as high as 12 %. The high interest caused the payment to continually compound the debt. In addition to my credit, Navient also required me to have my brother co-sign this loan on my behalf. Based upon the settlement Navient deceived its borrowers about requiring co-signers information. I feel as though I may have been impacted and affected with that decision as well as my brother 's credit.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I got a credit card through XXXX in XXXX, North Carolina and Bank of America manages this card. I never received the card or any statements. I called and asked them to cancel the card when I found out there was an open account when I was applying for a mortgage. Even after what I thought was a closed account, I received a forwarded statement from a previous address. I was told by the Bank of America representative that if I paid the {$8.00} balance, then I would get {$5.00} back of that and they would remove all late payments shown on the account and I had her to update the correct mailing address. 30 days later, I receive a statement owing {$1.00} and had to call back again. I was told by the Bank of America representative that would be removed. A few weeks later, I received a late notice on the {$1.00} and had to call again. The representative said it would be removed and would call me back on XX/XX/2017 to tell me everything was cleared up. Today is Monday XX/XX/2017 and no return phone call has been made. My concern is what impact this small charge and seemly lack of communication has done to my credit. To date the lates have not been removed, the {$5.00} was never refunded ( which is not a concern ) and not sure what happened with the {$1.00}. My biggest concern how can a company be so large and have that much impact on my credit with no regards to their customer service. I would appreciate any help with this matter as I value my credit and it does not seem fair the follow through on Bank of America 's part to do what is the right thing when I had no communication from them until now.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying off and on for a couple of XXXX XXXX XXXX XXXX XXXX to place a freeze on my account with TransUnion. I also tried this a year or so ago, when I placed freezes XXXX successfully XXXX on my account with XXXX and XXXX. When I log into TransUnion, confirm my address, and click Continue, I get to a page that says they are having 'technical difficulties '. I have not called the phone number listed, because last year when I tried several times to place a freeze with them, their phone support was inept and completely unhelpful and uninformed. I appreciate any pressure you can exert on TransUnion to get their act together and allow consumers to place freezes on their accounts. Thank you.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date : XX/XX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX XXXX COLONY XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion set me a letter and provided a phone number : XXXX to " get more information on the public record ''. There is no way to speak to anyone at the number. It is only automated recordings that allow you to either get a copy of your report or buy products from TransUnion. The product offers are repeated multiple times and if you do n't buy one of the or accept the " free trial '', you are disconnected.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

XXXX and Equifax are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: EDvantage LLC (MI)

Hello, well I am XXXX college and have loans through XXXX and Tuition Options from 2014. Tuition options would hound me through email, phone, and actual mail to pay. I do n't work as much because I am a XXXX XXXX XXXX and I only make a certain amount each check. I have other bills, groceries, and car problems to take care of. I would pay $ XXXX-XXXX if I have it to put towards my loans. I and my mom who is the XXXX at XXXX XXXX also asked could I pay my loans after I 'm done with school when I have more time to actually work and I was told no. Also I recently looked on my tuition options account and I was also on the phone with an employee their and they said I have n't paid anything or they did n't receive any payments which is a huge problem. I also tried to see if I can combine my loans from XXXX and Tuition options and I was turned down by tuition options in which a student " can '' combine loans and pay it off bit by bit after I finish school. I also recently agreed to a responsibility payment since I started my new semester in my bachelors, I want to pay {$50.00} each month on the XXXX. Understanding that I have been doing so and Tuition Options still is n't easing up on me. They 'd still hound me to this day to pay after I already paid {$50.00} on XX/XX/XXXX. It have n't even gotten to XX/XX/XXXX yet and they 're sending me emails saying they 'll report my loans to the credit bureau if I do n't pay and if I do n't answer their phone calls and mail. My credit is low because of them. My car is currently in the shop still because I have n't been able to pay for it yet. I 've been paying for tuition options, my other bills, and barely trying to put groceries in my home. I 'm a student and I believe what they are doing is harassment ; from sending tons of letters every two weeks to emails every week, to a phone call every month even when I make my responsibility payment. It 's XXXX and I 'm starting to be at my climax with them. I have all of the letters they 've sent me and I can look in my emails to pull up all of the times they 'd hound me and threaten to place my stuff in with a credit bureau. Please help me, in desperate need. 
Sincerely, XXXX
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I opened XXXX accounts at Wells Fargo, and deposited {$11000.00} and {$50.00}. 
WF later closed my account and the account balance shows {$0.00}. The transaction history shows it was closed due to XXXX. However, no WF employee told me when I opened my account that I needed to provide any information - or I would have submitted it the same day. 
I called the customer service number and they said they ca n't help me and go to a branch. I went to a branch and they said they could n't help me and would call back. They never did. I called WF again on the phone and they told me to go to a branch. It has been over 5 weeks, and I still can not find my {$12000.00} and can not access the funds. One person said it should have been mailed out, but did not know if it actually had, and could provide no information. 
I am still out {$12000.00} with no answers.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (NV)

Well, It all started in 2007 when I applied for a secure credit card with Wells Fargo Bank. I put down XXXX to open it the credit card. I did n't use the card that much, only to rent cars to go out of town. At the end of last year I found out that the secure credit card was no longer a secure credit card but a unsecured card card. I had called Wells Fargo Bank to check out my balance for my secured card and that was when the banker informed my that my card was unsecured. At that time I asked the teller where was the money I had put down to open the card and he said they had sent me the money {$1200.00} check in the mail. I told them I never received any check from them and he said that the check was returned to them because of incorrect address. I then asked them can they mail the check back to me with the correct address, but he said no because it was sent to the Nevada XXXX and I would have to contact them. 
I had contacted the Nevada XXXX but they said that nothing in their system show a check sent to them in my name. They looked through their system with my different names ( last ) and also with my social security number but NOTHING. I have called back and forth with Wells Fargo, I even went to a branch to try and get some answers but no luck, I 've also been dealing with Nevada XXXX with no luck. I am SO tired with Wells Fargo Bank giving me the run around. I need some answers or better yet my money that I am entitled to. PLEASE HELP!!!!!
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (GA)

Received a letter from the company stating that i owe a debt from XX/XX/2009. I told the company that I do n't believe that this is mt debt. I still have a current account with the company and I 've never been late on any payments. He told me that maybe somebody opened the account in my name because the addresses were accurate with my addresses. I have never received anything from this company stating that I owe a past debt. This account is 8 years old and past the statue of limitations for collection in my state. I do n't understand why this company is coming after me for now for and account that they say was closed in XX/XX/2009. I want this company to stop contacting me for this phantom debt that I dont owe.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo - XXXX Had small biz checking account with WF with {$0.00} fee for min {$3000.00} balance. WF increased minimum balance for {$0.00} fee to {$7500.00} and began charging {$14.00} fee in XX/XX/XXXX. Now have {$70.00} in fees for 5 months. Went to WF to request fee refund. WF changed account to {$0.00} for min {$500.00} balance but said could only refund last XXXX {$14.00} fees because they can only go back 60 days. Requested these 2 months of fees be refunded but they have not been refunded. Account with {$0.00} fee for min {$500.00} balance was not mentioned during opening of {$0.00} fee for min {$3000.00} balance account even though I asked for the {$0.00} fee account with lowest min balance. Have paperless billing and was not notified by email about min balance increase resulting in {$14.00} fee charges. WF says notification was mentioned in monthly statement. 
I request WF account fees, fee notifications and fee refunds be investigated. If WF practices are lawful, then make email notifications of fee changes required for paperless billing accounts.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION