davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (OR)

Blackhawk Network has seized XXXX my accounts worth {$1500.00} Blackhawk Network Holdings XXXX Inc. XXXX BHN XXXX, doing business as T-Mobile XXXX XXXX and PayPower Visa XXXX, has seized XXXX my accounts with {$1500.00} between the XXXX : T-Mobile : XXXX XXXX XXXX ) Paypower : ******************* ( XXXX ) These accounts were funded entirely by me and were seized without cause, contact, or reason, immediately AFTER I loaded the funds to the account. In other words, BHN PURPOSELY WAITED FOR ME TO FUND THE ACCOUNTS BEFORE SEIZURE. 

This company is a borderline criminal organization and should be investigated by the appropriate authorities.
Consumer complaint received 2016-05-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CountryPlace Acceptance Corporation (NY)

In XX/XX/XXXX my wife at the time and I purchased a manufactured home. Country Place Mortgage held the loan. XX/XX/XXXX I separated from her and moved out of the home. At that time she had agreed to pay the mortgage payments. Sometime after that the home was repossessed. I learned of this in XXXX XXXX I believe. Each year since I have tried contacting them to determine what the home sold for and if they were going to issue a XXXX to the IRS. Phone calls have not resulted in anything other than them telling me they have time to decide what they are going to do. They will not even tell me what the home sold for. I have since learned the home was re-titled XX/XX/XXXX to a business or leasing company. Currently they are reporting I owe {$75000.00} to all XXXX credit bureaus. This amount does not reflect properly even if the home was sold for {$1.00} I have recently obtained court documents that show they " served '' me via a 3rd party. The server states they asked if I was an XXXX XXXX Service Member of The U.S or New York and received a negative reply. I am in fact currently on XXXX XXXX in New York and was at the that time as well. Country Place WAS aware of this as I had sent my orders and a copy of the NYS Patriot Plan. I fully understand I will likely owe something regarding this as will my wife as it is a joint account. I am hoping to be divorced as soon as possible. I just need to know how much is pending and if or when they will issue a XXXX to which I would need to pay income tax on. This situation is now causing issues with my security clearance. I had thought I was handling this properly by reaching out to them yearly to ensure whether or not a XXXX was issued or to determine exactly what was owed. Any and all assistance is appreciated regarding this matter.
Consumer complaint received 2015-10-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Applied Business Services, Inc. (TN)

. I sent this company a request for validation on XXXX and the tracking number is XXXX and it was delivered to a closed business on XXXX at XXXX and then delivered on XXXX at XXXX but to this date Ihave never received validation of the debt. They have had more than ample time to comply with my request and it was signed for by one of their agents whose name is XXXX XXXXThis letter that I sent them references all ( accounts associated with XXXX ) for services provided to ( XXXX XXXX ) on ( XX/XX/XXXX ). 



These accounts were submitted to, or should have been submitted to ( North Carolina ) for indigent care. ( XXXX. Indigent health care risk fund Deposits Interest Payments Reports. ) b/c I was homeless and indigent at the time of service. 

They are in clear violation of HIPPA
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my credit reports. The collection agency is CFSI ( CommonWealth Finincial Systems ). The original creditor was XXXX XXXX XXXX XXXX XXXX.Request for verfication was sent to XXXX, XXXX, and XXXX. Request for verification for this was sent to the bureaus by me, on XX/XX/XXXX. On XX/XX/XXXX XXXX updated the collection as a Closed account. On XX/XX/XXXX XXXX sent notice that the company verified the account. XXXX voilated section 609 and 611 due to not conducting proper investigation and not correcting inaccurate information. The date of status on my report is XX/XX/XXXX which states on the XXXX  website this is the date the creditor last update the account. When the creditor validates the account this date should be updated. The account is inaccurate due to the open date, date of service, patient name with me as guarantor. I received a letter from CFSI on XX/XX/XXXX, that shows a {$0.00} amount due, with a Patient name : XXXX XXXX XXXX. This person is not me and I have never authorized to be a Guarantor for this person. Also the date of service shows XX/XX/XXXX I was not prosiding in the state that is listed as the place of service : XXXX, FL. Lastly the debt is being addressed to XXXX XXXX XXXX, my name is XXXX XXXX XXXX. My credit history is being affected by keeping an account on my report that I am not responsible for and doesn't belong to me.
Consumer complaint received 2019-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (MD)

During a recent review of my credit report, I noticed an account placed for collection from Aargon Agency for {$260.00} for a XXXX account. I contacted XXXX and was told my most recent account in noted as closed and paid, over 10 years ago. I have never done business with Aargon Agency, and to date, have received no communications regarding our relationship or any attempts to collect this alleged debt. Had this happened in accordance with fair debt collection standards, I would've have an opportunity to request validation of this debt within the allotted time frame. Please provide the address and phone numbers used to attempt the debt, along with copies of the statements & debt validation forwarded to me. Please also provide a contract with my signature where we've entered into agreement to do business and any applicable billing statements demonstrating my financial responsibility for this account within 7 days, or immediately remove this from all 3 credit reporting agency accounts. This is creating an undue hardship on me and my financial status.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX XXXX reporting a negative account on my consumer report that they no longer own nor responsible for and its affecting my consumer report the account ( XXXX XXXX )
Consumer complaint received 2017-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (PA)

I went to TD Bank where my U.S. checking account is and wired two international transfers to the XXXX XXXX in the XXXX XXXX XXXX. This was on XXXX XXXX, 2017. One amount was for {$10000.00} U.S. and the other was for  {$1500.00}. Both were for my father 's medical care. Neither amount arrived. I was told it would take 3-5 days. On XXXX XXXX, I called the branch and was told to wait until Friday XXXX. On Friday XXXX I was told to wait until Mon XXXX. I went into the bank on Tuesday XXXX and was told they would look into it and call me back. On Tuesday XXXX XXXX I went back in and sat for an hour while an assistant manger was on hold with the wire transfer dept. At this time I was also informed by another asst. manager that she usually tells her clients there is no guarantee the funds will arrive and that means I have lost them. I reminded her she was the one who authorized the transfer after her assistant had typed it up and she had not mentioned this before. I asked for my money back and she said she would take over and contact the wire dept to do a trace. She did not call me back so I called her, she had not been able to contact the wire dept by phone as they were busy. I asked her to cancel the transfer and refund my money. She said she could not as the wire dept were doing a trace and I she would call me back the next day. I ended up calling her back on Fri XXXX and she said it would take a few days to find out where the money had gone, but knew the request had been received by XXXX XXXX - the Intermediary Bank. Today, Monday XXXX XXXX, I could not reach her. I could not get a corporate number from the website so I called customer service and they could not give me a number to their headquarters either. I finally called another larger branch of TD and spoke to an assistant manger who said she would look into it. The money left my account on XXXX XXXX and no one informed me it had not arrived, I found that out when my father 's bill was n't paid. I contacted XXXX XXXX XXXX and was transferred to XXXX XXXX who informed me the funds had not arrived and the only thing I could do was trace it from this end. Which I 've been asking them to do. What do I do next. This is a lot of money and my father 's XXXX XXXX needs to be paid. How can TD Bank tell me I may not be able to recover my money? Please help me. They also took the Wire Authorization Form from me in order to investigate so I can only attach the letter of notification of the Outgoing Wire Transfer which came in the mail.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

I have been a long time user of Citibank NA. i have been depositing income from my personal job, which is not steady in any way. Citibank delays my account fund and makes a small amount available as normal. Ive made deposits and payments to my accounts to make sure that my bills are paid with this time lag. recently however, they have delayed or put holds on my deposits for a week or more - causing multiple overdraft fees - even when it shows pending deposits. they return the payments as a credit - charge a {$34.00} fee each time and then shorten my funds and keep extending the time for my funds to be available. right now almost {$200.00} in overdraft fees have been assessed and ive had to re apply multiple payments to my bills. I went to two different branches to try to speak to a manager to address their issues and policies. The teller staff informed me that their policy is to delay funds due to their no direct deposit nature - that my account is inconsistent and they cant help me in any way - that i just need to change my payment due dates. I asked to speak to a managers - both we were busy despite my wait time. i requested call backs from both and neither complied. I am going to seek a new bank and begin the transfer process but i do want to make this complaint to be addressed. being self employed should not be punished this way - or ignored.
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

On XX/XX/XXXX, I was notified of a negative action against my credit through my XXXX account. When I logged in a saw that there was a debt turned over to a collection agency : Company : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1400.00} This debt is not mine and I can only assume someone is using my credit fraudulently. So far I have not been able to find usable contact information to contact this agency.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been paying XXXX XXXX XXXX for a XXXX account for a year & a half & they refused to update my credit report to show I was making payments. The original amount was {$3400.00}. On XXXX XXXX, 2017 I came to an agreement which I got in writing from them before sending payment. The item was settled in full & was supposed to be removed from my TransUnion report. After multiple disputes & phone calls & submitting a paid in full letter from XXXX to TransUnion the item was still confirmed by XXXX to TransUnion as owing {$3400.00}. I ca n't get it off my report no matter how I try. XXXX claims it has a XXXX balance TransUnion claims XXXX confirms I owe {$3400.00} meanwhile my credit score suffers & I am declined for further credit. I need help XXXX uses unfair collection tactics.
Consumer complaint received 2016-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (MI)

Pinnacle Credit Services is refusing to verify the account. I was sent that the dispute was " Frivolous '' and they do not have to respond to the credit dispute that was sent. Upon calling the company another company named XXXX has the account. Pinnacle reports to the Bureau and diversified handles the account. 
I tried to do a " Pay for Delete '' offer and XXXX will not address the offer by saying they just show the account " paid '' and do not report to the agencies. Pinnacle does the reporting to the Credit Bureau. 
I tried calling Pinnacle Back and they keep transferring me to XXXX by saying they only have the creditor name and my name for the account. 
XXXX is not verifying or addressing my debt and will not let me remove this debt from my credit report.
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (FL)

XXXX # XXXX : Amazon is intentionally & knowingly holding orders over a week after charging customer credit cards before presenting items to shippers, to force customers to purchase their PRIME service for {$99.00} per year. According to XXXX regulations charging of credit cards prior to shipment is a violation of all merchant account contracts. 

Amazon states that the 7+ day holding time is for processing after they have charged credit cards, YET they are intentionally misrepresenting 7 day shipping times and using the said shipping times to hold orders XXXX so people spend the {$99.00} fee for faster shipping. Shippers like XXXX XXXX AND USPS take an additional 7 days to ship said products making total time since order origination over 14 days, THIS is false, misleading and fraudulent for Amazon to try to force customers into a contract for their PRIME service by holding orders & delaying service.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: American Collections Enterprise, Inc. (WV)

Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. XXXX were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with XXXX and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (IL)

My brother-in-law and I jointly own a condo in XXXX XXXX XXXX, FL. We are current on the mortgage but are underwater by about {$80000.00}. In XX/XX/XXXX, Suntrust offered us an interest only mortgage which they refinanced in XX/XX/XXXX by increasing the payment by about $ XXXX/mo. We also were offered a XXXX mortgage in XX/XX/XXXX with options that we have been paying as an interest only loan for about 8 years. This will reset in 2 years and our payment will go up about {$600.00}. 
We have the apt . rented but do not receive enough rent to cover all costs. We are short about {$900.00} a month which we have been paying for with savings. 
We both have excellent credit but have had a really bad year. My husband died last year which resulted in my loss of $ XXXX/mo of income. I also had another rental property that was used as a XXXX house which cost me {$50000.00} last year until I sold it as a loss. My brother-in-law had a XXXX and was in a serious car accident in XX/XX/XXXX which resulted in XXXX. 
We are trying to get these XXXX loans which are owned by Suntrust modified with lower payments. If they would combine them or modify them, then we could continue to make the payments. 
In fact, my renter is willing to purchase the property as a short sale. 
Suntrust has been very difficult to deal with. They keep on asking for more papers, corrected papers, additional documents. I received a call this morning telling me that the bank statements that my brother-in-law submitted on XX/XX/XXXXare out of date and that he needs to submit new documents. This call also requested a current social security letter even though he had submitted the info XXXX/XXXX/XXXX. I have had to resubmit other documents at least 3 times for very minor issues-like no postal code, corrected dates. They are also telling me that if they do n't receive the paperwork by XXXX/XXXX/XXXX, the file will be closed. 
Also, they are calling me almost every day with different items that they need and sending paperwork requests that do n't match the calling requests. 
Both of us are retired and we are trying not to default on this property. Hopefully you can help us.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om X/XX/2017, X/XX/2017, and XX/XX/2017 each time I received an updated credit report stating the item was verified however there was no proof of validation
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I have a bankruptcy on my credit report ( XXXX ). The only credit reporting agency that would not agree to fix my issue was equifax. The bankruptcy was never discharged. My discharge was withheld for failure to submit certification of instructional course for personal financial management. The case is reporting in accurately. I have spoken to many people over the last 3 months including supervisors. I have also been transferred to the office of consumer affairs and spoke to the supervisor their also and still received the same issue. I spoke to the bankruptcy court and they verify what is being reported and say that my bankruptcy was not discharged. I have submitted over XXXX documents to prove my information is reporting inaccurately and im still dealing with issues.
Consumer complaint received 2015-04-30
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Grant & Weber (AZ)

I have XXXX accounts with XXXX XXXX XXXX XXXX that I was paying them directly XXXX each month. Then I received a letter from Grant and Weber Arizona , Inc. They are a debt collection agency. We started payments of XXXX a month on each account. We have missed some monthly payments, but have called and tried to tell them the reason for not being able to pay at the time. We have never had a monthly statement of any kind showing payments we 've made, or the balance due. Just a few months ago, I called them to tell them that we would not be able to make the payments. I called and left XXXX ( XXXX ) voicemail messages for XXXX XXXX. He is the one handling the debt. All the messages were made within a weeks time. He never returned my phone calls!!! My husband XXXX has even called him, and he never calls back, unless we have called about paying the debt off. Then he calls right back! The principal balance we owe is {$530.00}. He sent us a letter that says he 's charging us {$190.00} in interest, making the total amount due {$730.00}. There has never been any talk of interest to be charged with these accounts. I do n't feel that this is right considering the effort we have made to keep in contact with XXXX. Can he legally charge us interest on a medical bill? We would like to ask for your assistance with this matter. Thank you.
Consumer complaint received 2016-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

My husband and I consolidated our student loans after we got married to reduce our payment size and interest rate. Now, he qualifies for a Public Servant XXXX. The XXXX applies toward all his loans except the spousal consideration loan. Most of his loans were included in the spousal consolidation. When he asked them to forgive his portion of the loans, they said federal regulations prohibit undoing the spousal consolidation loan. We would have never agreed to the consolidation if we knew it would exclude us from government programs. Why ca n't we restructure the loan? This has been a road block for many people.