davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX '', which is XXXX for " select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems, formerly operating under XXXX XXXX XXXX.
Consumer complaint received 2016-04-20
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (CA)

I had a business account with PayPal, which I used as a credit card processor and had a Debit Mastercard to access funds. My account had a negative balance on it, which is why they would keep any funds transferred on to that account. However, after a short time and without any notice sent to me, I was no longer allowed to login to my Paypal account. When I follow the website 's prompt to I contact them via email, their website requires me to login. Furthermore, because of this problem, I am unable to access my financial data for FY 2015 and any necessary documents or information for my tax filings.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (OR)

Experian credit bureau has failed to properly notify me of the results of my past dispute placed over 30 days ago. I disputed a delinquent/charge off XXXX XXXX account. This account is past the seven year when the account reported it first delinquency.
Consumer complaint received 2017-01-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (CA)

You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX ** which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern : XXXX has charged me for 2 months of unauthorized recurring charges to my credit card. 
I am requesting a refund of these unauthorized recurring charges. XXXX caused my card to be overdrawn, which incurred interest charges XXXX took it upon themselves to charge me without authorization. This is fraudulent behavior. 
I have contacted my credit card company to dispute these charges. 
I have also sent a message to XXXX. 
I will also notify and file a complaint with the XXXX XXXX. 

I am requesting reimbursement,. 
Thank you for your time and consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX United States - XXXX Customer Support Phone Numbers XXXX XXXX The following is an example of XXXX unethical and fraudulent unauthorized recurring charges : This an example of a person that experience the same issues that I am experiencing with your company. This example was discovered during my research of this issue. 

XXXX Unauthorized credit card changes and unethical behavior. 
XXXX XXXX XXXX XXXX, 2016 " I recently found out XXXX had signed me up for auto renewals without my expressed consent. I never received any kind of reminder or receipt of any kind of auto renewal and have now paid for a service I never used. I am now trying to seek reimbursement for this amount but it is still ... '' XXXX comments United States, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My card was stolen while I was hospitalized. I report the fraudulent use to Capital One. However, several of the charges were charged back to my account. Capital One advertises zero responsibility for fraudulent use but claims that because the chip in the card was used that I am responsible for the fraudulent charges. I have requested several times to the Fraud Department to credit my account, but requests have been ignored. My account is basically paid in full and should have zero balance. However, the fraudulent charges totaling {$460.00} is on my account, and I am being charged interest on fraudulent charges. In addition, my payment date and address was changed, and I questioned whether a duplicate card was mailed and/or a data breach at Capital One.
Consumer complaint received 2016-12-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: State Collection Service, Inc. (WI)

My wife and I have past due medical accounts from XXXX and from XXXX that have been placed for collection with State Collections Services. I have on several occasions requested over the phone and through fax letters that any and all communication regarding these debts need to come to me through my email, my cell phone or my fax. Yet, CSS continues to try to make contact with my wife - either through her cell phone or at work - activities that I have expressly forbiddened and in clear violation of the law.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have called and sent information regarding inquiries on my credit report and they refuse to remove the inquiries that are not mine on my report. I am a victim of identity theft and its stated on my report. I was told that I have to get a letter from the company stating that I did n't apply for credit, I am getting the run around from Equifax and the actual credit company. I should only have XXXX inquiries on my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There 's a Florida address that belongs to a thief that took out a XXXX dollar loan in my name in XXXX! 
From the looks or this report, I believe he 's at it again. Never lived in Flordia, never took out a XXXX XXXX credit card? Seems like he took another loan out in my name in XXXX? 
Do n't really know what I can do at this point. The police told me in XXXX when he took out the first loan, that this man has been steeling identity for over 15 years, with never a conviction? So now 10 years later, he 's been stealing successfully for over 25 years! 
I 'm ready to give up and start doing what he is! Seems like a pretty good living! 
I refused to pay a bogus bill from XXXX in XXXX and it still shows up 11 years later? 
It seems to me that my XXXX score is not fair at all. 
Thanks, the real XXXX XXXX XXXX. XXXX
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BOEING EMPLOYEES CREDIT UNION (CA)

I opened an account in 2014 with BECU that came with a free credit line for working with XXXX. Earlier this year I hit a snag with my paycheck at my job being switched and used the card as an emergency resource to eat. 
I thought I had the balance covered from having money taken out of my account, but when my card was going through I was told that when my balance was low, it was actually pulling the rest of the cost from the credit line. 
When I discovered this was happening, I called BECU and requested that this feature be turned off. By this point my credit line was closed because my checking account was {$0.00} and was unable to make the automatic payment to the credit line each month. This was about XX/XX/XXXX. 
Fast forward to this summer and I received a call from a company working for BECU saying that my card was compromised and was billed for a charge in XXXX. At this point I 'm trying to pay off the credit line and this pops up and drains my account. I found out that my checking account was n't able to cover the balance and that a portion of the fraudulent purchase was pulled from the saving account this time.
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. ()

Dear sir or madam, I have XXXX federal consolidation loans with Navient, which I have been paying in good faith since XX/XX/XXXX. Due to recent information that has come to light, I believe Navient has stolen money from me and acted fraudulently over the last few years. 
First, Navient claims that XXXX years ago I chose a graduated repayment program, in which only interest would be paid back for the first XXXX years. I did not knowingly choose this repayment plan, and I never would have. They did not inform me that I was only paying back interest, not principle. This came to light about a month ago ( XX/XX/XXXX ), when my monthly bill increased without warning by nearly {$70.00}. I immediately contacted Navient, who claimed that I had been informed of this change in an email in XX/XX/XXXX. I did indeed receive an email titled " change in terms '' on XX/XX/XXXX but there was no information in the email or attached. I was not informed by email or post for the XXXX years that I was unknowingly on the reduced-payment plan. 
Second, over the last year I have consistently paid more than the minimum monthly payment. For the last XXXX months, Navient has applied my entire payment to " interest '', including the extra money. I asked them what happened to the extra money I paid, but they avoided answering the question, telling me over and over that I had chosen an " interest-only repayment plan ''. I can not imagine how it can be legal for them to apply money above the monthly minimum to interest, not principle. I believe they have stolen it. 
Third, I was forced several times to put the loan into forbearance because I was in a bad financial situation. Navient/XXXX always told me that I was not eligible for deferment, even when I was still in school or unemployed. They have thus added {$6000.00} of capitalized interest to my original principle, although I have always paid in good faith. I should have been eligible for deferment at least some of the time. 
I have tried to negotiate with Navient, but they will not cooperate with me. I have informed them that I am ceasing all payment on the loans until we can come to an agreement, but they will not back down. I can not in good conscience continue to pay a company that is stealing money from me, and fraudulently signed me up for a payment plan that I did not want. 
I hope that you can help me resolve this situation. 
Best, XXXX
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

I am XXXX years and I have never had a XXXX Cell Phone. I also have never lived in the address associated ( XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX ). I lived in XXXX XXXX XXXX XXXX XXXX PA XXXX since 1991. I have filed a police report when I learned this was on my credit report. I never received any mail of the delinquency because sprint NEVER had my real address. I have sent the report with letters to all the bureaus but they send me the actual BILL back saying the debt is valid. AND IT 'S NOT! I asked them in several letters to send me the contract to verify my signature and they have NOT done so. If they see my Identification card and my social Security card I 'm 100 % sure the signatures wont match. I should not be liable for this debt Please help me I live on social security and my credit has never had a collection in all life until now. I have always paid all my obligations I never neglected to my priorities but someone has taken advantage of me and stole my personal information to obtain this debt. In my hometown there are people who work in these stores and to obtain a commission they allow people they know to open accounts with someone else info. I was victimized.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested my credit report thru annual credit report. After filling out the info and answering the security questions, TransUnion 's report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, XXXX, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IN)

OCWEN LOAN SERVICING , LLC . I have fallen behind on my mortgage due to being laid off. Since XX/XX/2016 I have been trying to get a modification. I am given the run around, they request the same info, letters, paperwork over and over. Always say my application is incomplete. They are now sueing me and taking me to court to Foreclose on my home without offering me any kind of payment plan or any kind of modification options. I have already written my Attorney General 's Office and I am awaiting their response. This company has been repetedly sued, they have an F rating with the XXXX with a negative score of XXXX %. They have taken so many people 's homes using unfair and fraudulent practices. Someone please stop them.
Consumer complaint received 2016-06-22
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I enrolled in a high deductible Health Insurance plan through my employer effective XX/XX/2016. I opened an HSA with XXXX XXXX around on XXXX XXXX, 2016. I decided to fund my HSA by completing a one time partial rollover of cash from my traditional IRA at Capital One Investing. I submitted a Transfer form which I received from XXXX XXXX and had my signature notarized by a notary at a XXXX office since I 'm a member. 
Capital One received the form and refused to process because the form did not include a Medallion Signature Stamp. I tried to submit the from a second time and took the form to my personal bank, XXXX XXXX. XXXX XXXX representative told me the Transfer form does not require a Medallion Signature Stamp because the funds being transferred were not securities but FIDC insured cash. XXXX XXXX agreed to guarantee my signature and stamp the form which they explained is similar to a Medallion Guarantee Stamp. 
Captial One refused to process the second request to reansfer funds to my HSA because they said the form lacked the Medallion Guarantee Stamp. 
As a final resort I had the funds distributed to my personal checking account and then transferred the funds to my HSA. The problem is this transaction will now appear to be taxable. I feel Capital Ones requirement of the Medallion Signature stamp impeded me from completing the rollover transaction as provided by IRS regulations. 
Medallion Signature Stamps are difficult to obtain. Few institutions offer them and I would have had to open an account that I did not want or need.
Consumer complaint received 2016-05-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Technology Incorporated (NC)

In XXXX I received a {$2500.00}. loan from the XXXX. In XXXX a garnishment was attached to my XXXX XXXX XXXX paychecks. In XXXX garnishment stopped after {$6800.00} was paid. In XXXX I received another garnishment for the same {$2500.00} loan in excess of {$500.00} per month. I received a letter from CTI stating that I owe {$5900.00} on the same loan. I would have paid approx. {$13000.00}. on a {$2500.00}. I did not receive a release letter from the XXXX ; however, when I asked the XXXX to provide the letter initiating the garnishment, they could not provide XXXX. Due to this garnishment, my credit is ruined and I can barely afford to pay my living expenses. Please help.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Recovery Solutions Group, LLC (PA)

Company has sent letters and left messages on voicemail indicating that they are calling from the legal department and intend to put a lien on my home. The creditor charged me XXXX for XXXX for 3 days to dry up a basement flood, and in the process ripped a chunk of my wall out that was never repaired.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (AL)

GM Financial is assessing a monthly {$86.00} fee for not making my payment within 11 days of its due date. However, it is not 30 days late. When I contacted XXXX, they insisted that in lieu of reporting my less than 30 days late account to the credit agency, they were going to assess a late fee.
Consumer complaint received 2017-01-28
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I went into the Navy Federal CU branch at XXXX XXXX XXXX XXXX XXXX, FL XXXX to do a withdrawal of {$3400.00} - they refused stating I had a charged off account. The charge off account was for approximately {$500.00} or less and I had already made arrangements to get this cleared up. They refused to allow me to make a withdrawal
Consumer complaint received 2016-04-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

XXXX sold my loan to penny mac back in XXXX 2015 the loan was almost 2 half yrs old there now saying that I owe them 2 months of escrow, have not have had any increase in tax or insurance when i originated the loan I paid 2monthes up front so why are they asking for more money in escrow. there reply has been u need to talk to XXXX,,,
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Its been over XXXX  days and the creditor XXXX XXXX XXXX Account # XXXX has not updated the information nor has provided proof or documentation in regards to late payments they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had XXXX  days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (RI)

Three months ago I file a complaint stating what happen with my TD Bank account where {$200.00} dollars practically disappear from my account. Three weeks after my complaint I received a letter from my local branch manager to talk about how we can fix the issue. It took me one month and a half for him to called me back. Today is been four months since my first complaint and counting. As I stated before on XXXX I try to transfer {$100.00} from my savings to my checking account, I made a mistake and transferred {$100.00} to my savings instead of my checking, it took me just two seconds exactly for my to realize my mistake and fix the problem right away. The next day I saw that my account had insufficient funds and I call customer service to find out why this happen, What I got was an attitude from the representative and no solution to this problem. This is not how banks should deal business, I know they have policies in place to protect their business but XXXX thing is that this bank took the money on fees when I did n't even take that money out of my account.