davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (CA)

On XXXX XXXX, XXXX I was approved for a discover credit card for students. As a newly adult attending college I figured this was the best card with the best opportunities for college students. I was excitedly anticipating my card getting delivered and it was received today on XXXX XXXX, XXXX. I called to activate my card since I could n't online, they passed me through several departments and the last one I spoke to was a women with a southern accent, I however did not remember her name. The minute she answered me she began to misgender me. She referred to me as Sir and Mr.. I was quite offended and my cousin being in the same room as mine and overhearing what was happening looked concerned. She ended up taking the phone from me and correcting the women, telling her to refer to me as Mrs or Ma'am, because I am in fact a women. The women on the line got very quiet, I proceeded to take the phone back and attempt to continue to activate my card because I no longer wanted to speak to her and wanted to get this over with. She then said she was going to call me back with the number I had provided on my application and I never received a call. I called Discover back and they said my account was being reviewed. I understand the confusion that comes from hearing two different voices, however she clearly misgendered me and threw me completely off balance. I have never been misgendered over the phone and I will continue to be offended until I receive a formal apology and proper help to activating my account. Now my activation has been delayed for another 2 days and I will be expected to be on their schedule when my own schedule is already filled with school and work.
Consumer complaint received 2017-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optima Recovery Services LLC. (AL)

On XXXX the XXXX XXXX I sent a debt validation letter to the collection agency to get a debt validated that is correctly showing up on my XXXX and XXXX credit report. I disputed because I dont believe the debt is mine. On XXXX XXXX, XXXX I received a letter in the mail stating that they didnt have enough information to validate this debt is mine and they sent me a bill for a XXXX dollars with a stamp that says this is an attempt to collect debt which they did not verify but sending a bill I sent a copy of my driver license to prove who I am. By law I thought if they couldnt validate then it must be removed. I am very upset because this is ruining my credit worthiness.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DRIVEiT Holdings, Inc. (NV)

I bought a car from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, I returned the car less than one month later because of problem that they refused to fix. This car company went out of business. My loan was with XXXX XXXX. From the time I returned the car, I was in contact with both the finance company and the dealership. It came to a point where this dealership stop communicating with me, I sent them ( XXXX XXXX XXXX ) a letter though the postal service ( and I still have the proof ) that the manager XXXX XXXX, Told me to send. Around XXXX XXXX XXXX, I received a call from her and she told me that this matter was resolved. It was in my records as resolved, and someone changed it. ( It was changed after I ask for confirmation, go to the backup in there systems ). I called customers service ( records ). Talked to a supervisor and asked for confirmation, they never sent it. Instead, they sold the loan, after my problem was resolved, and never told me anything. I have file complaints with the BBB about this matter before, but never on this company. I received a letter from XXXX XXXX and they tell me that it is a criminal investigation going on and a complaint filed with the Bankruptcies courts, I ask about this said vehicle and he said it is unaccounted for. I do not have this car and it was return legally, not abandon like this company likes to say. Result : I was sent back my deposit from the first company. 
Now the second company tried to force me to sign some shady paperwork witch a VA and personal lawyers told me not to sign, I received constant call from these people and I would like it all to stop. This has been the worst experience trying to buy a car ever. Im being held prisoner to theses unethical companys blunders and mistakes, which I was being proactive in the attempted to resolve. Still to this day, I do not have a 1.Licences to drive 2. A Car, No one will give me a loan with this on my report 3. My Credit score ruined because of this XXXX to at one point a Low XXXX 4.I was called a Liar 5. MY  FREEDOM, I was plaining on traveling around the country in my new car, 10 months later still here. This is taking my XXXX to the next level ( XXXX War Vet ). I would like to find the underlying cause of this and have it done with. I have been OVERLY Penitent about this whole matter from All Three Companys and they have all not shown me the consideration as a viable consumer with this whole matter, I am disappointed as a customer and a consumer and will continue to use ride share to commute because of this horrible experience.
Consumer complaint received 2017-12-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

on XXXX XXXX i called and report my card was lost.some one use in for around XXXX $ and the city bank told me they will get me temporary in 10 day and i called them again in 10 days and they told me the reject my case because the was not police report in my case so i went got my police report and i call them and again they told me it need to be fax and i did fax them and they told me its take 10 days to see my temporary credit .i call them after 10 days again and i told them whats happens and the said sorry we cant help you.really???
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NJ)

Ocwen Loan servicings lawyer went before a judge in NJ and lyed to the court about the documentation that they had to prove they owned the mortgage. The judge would not even listen to my case, but let Ocwen give the defendants financial documents that the defense has been asking for 6 years. The documents prove predatory lending by charging over 12 % to re-finance this loan, a year later than the other XXXX loan.No closing date, no one except notary at closing, where did we close, who closed the loan.When you read the other documents supplied by the plaintiff, they prove that XXXX XXXX illegally signed that she certified the paperwork in XXXX to assign the loan from XXXX to XXXX bank national trust bundles who just settled a XXXX XXXX dollar settlement in XXXX XXXX for misleading investors and consumers like myself and have not taken a settlement. I know that we are or were eligible for at least 7 class action lawsuits that the defendants have been associated with and we did not join.We ask for 3 x the original finance charge of XXXX for predatory lending. We also ask XXXX XXXX for pain and suffering for all the lies and suffering this illegal act has brought us. The plaintiffs had to know the mortgage papers were at the least illegal and unenforceable, yet continued to ly to the court and the defendants and only supplied the evidence when they had to.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied for a job onXXXX and a man named XXXX XXXX sent me a check byXXXX XXXX  for {$1900.00} which was {$1600.00} over the amount I was supposed to get. He asked me to forward the rest to XXXX XXXX at Bank of America. I had deposited the check into my BOA checking account XXXX and transferred {$1600.00} to BOA account # XXXX. I thought the bank would not release the funds to me until it had cleared. They would n't release any information about the BOA account I sent the money to.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Opened new credit card for my son, XXXX/XXXX/XXXX, Equifax credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the XXXX account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the XXXX Checking account, therefore zero reason not to pay other than XXXX illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. XXXX did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

A {$50.00} charge on XXXX/XXXX/2017 was made on my Citibank credit card that I did not make. I filled a dispute with Citibank. After Citibank " investigated, '' Citibank closed their investigation and charged me again. 

The documentation provided to Citibank from the merchant clearly shows a person with a different name made the purchase and mailed the item to a state 500 miles from my home.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

We have account with XXXX XXXX XXXX. We applied for a business loan and was turned down because Transunion reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is XXXX that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX, XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We XXXX XXXX XXXX XXXX we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it XXXX or Transunion or both. We have never had a problem like this. Hope you are the right place to go.
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (GA)

For the past month, I have received several daily phone calls from Trans World Systems , Inc. ( XXXX ) I have spoken to several agents and told them repeatedly that I am NOT the person they are trying to reach. I have spoken to agents when they call and I have even given them the phone number of the person they are attempting to contact ... .all to no avail. I was assigned my phone number through XXXX XXXX three years ago. Since that time, I have been contacted by banks, credit card firms, resorts, insurance companies, etc. all looking for the same person. I found that person by simply XXXX the name and I pass that information on. I am sick and tired of getting phone calls from this company day in and day out.
Consumer complaint received 2017-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I have my Federal student loans serviced through Navient, who requires an annual income recertification to remain in an income-based repayment plan. I resubmitted my documentation in XXXX, yet the lender allowed my plan to expire on XXXX XXXX, which tripled the payment. I contacted Navient, whose representative stated that " they did n't know why my certification was not processed, '' but they did offer to put a forbearance on the account for two months to give time for me to submit a new request to update my plan or reenter my old income based repayment. This will add thousands of dollars of additional interest to the principal. This also happened in XXXX, where I was led to pay {$1400.00} to settle the elevated payment so I could remain current and avoid disqualifying myself for the public sector loan forgiveness program.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK (CA)

Since XXXX XXXX XXXX, I have been submitting documentation to XXXX XXXX XXXX in regards to alternatives to avoid foreclosure. I have provided all the documentation requested and have continued to follow up and do all diligence on my end. On XXXX XXXX XXXX, a copy of the fully executed divorce decree was sent over, which was the final information they were requesting. I am now being told by the lender that they can not and will not review me for any options because the sale is too close! The sale is scheduled for XXXX XXXX XXXX which is more than a month away and they are unwilling to help me or even provide me other options other than they are proceeding with the sale. I have a quitclaim and a divorce decree evidencing this is also my debt. My name is on the Deed of Trust, and I am a co-signer and have rights under the Deed of Trust but am being totally neglected. This is the only thing I have left and I feel all my rights are being violated and dismissed.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Fraud reporting in Experian Inquiries XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX I have called and talked to multiple customer service agents from Experian, XXXX and XXXX to block the fraud inquiries and account. They refuse to help me.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XXXX XXXX, XXXX, I requested assistance from Discover Bank/Discover Financial Services in order to initiate a dispute for a transaction that posted to my Discover Credit Card on XXXX, XXXX, XXXX. The dispute was against a merchant by the name of XXXX XXXX XXXX XXXX in the amount of {$500.00}. The following are the reasons for the dissatisfaction of the services provided by the merchant in which caused the dispute : # 1 - The merchant mislead me into paying for a baseball tournament event so that my son can attend under the conditions that he would use him as a pitcher in which he never did. # 2 - Extremely insufficient game time during the very few innings that my son participated due to the amount of players that the merchant signed up for the tournament. Baseball players want to participate and not be sitting on a bench and watch other players play. # 3 - The merchant provided verbal tournament conditions in which he stated that the players were guaranteed to play four games in which they only played three games even after the forecast was clear of any rain. The explanation given for the reduction of games was that the tournaments management staff stated that they were running behind on schedule. # 4 - The merchant invited 15+ players at {$500.00} each to the tournament and most of them were not even on the event 's roster including my son. # 5 - The  merchant was not an active state of Florida corporation at the time of the tournament event in which raised major concerns. I have provided Discover with numerous statements of how dissatisfied my family and I was with the services provided by the merchant. However, for some reason Discover is on the same side as the merchant. Why should I pay a merchant for his unethical business practice? It is my professional opinion that Discover has broken the Cardmember Agreement by not providing a fair resolution to a merchant complaint/dispute even though the merchant acted in bad faith. However, I acted in good faith and paid the merchant for services that he did fulfill and Discover agrees with the  merchant in which is to basically steal my money.
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (WI)

My identity was stolen in XXXX XXXX. Ever since that date I have been working diligently to remove all fraudulent information from my credit report. However, there are some companies that just refuse to abide by the laws set forth to protect consumers from continual harassment. XXXX is one of those companies that just will not leave me alone. I have sent them my FTC Affidavit, Police Report, and formal Dispute Letter by registered mail. Despite all of my efforts they claim this card that was fraudulently opened in my name is mine. Their proof is that the name and address match. That 's it! I asked them for Application Records, Screen Prints of Internet/Phone Applications, Statements or Invoices, Payment/Charge Slips, Investigator 's Summary, Delivery Addresses, All records of phone numbers used to active or access the account, signatures on applications and accounts, and any other documents or records associated with the account. All I received was a letter from them stating they verified the account is mine with no explanation. I sent another dispute letter. Then they send me a letter stating they sold the debt to JH Portfolio Debt Equities. I sent them a formal dispute letter stating I am a victim of identity theft. I told them they needed to cease collection. I advised that Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an an account if the victim asks for it. I requested the same information as stated above from XXXX. This letter was sent in XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I receive a letter from JH Portfolio Debt Equities stating that " ... we have confirmed the name and address listed on the account, as well as the amount owed. Listed below is a summary of the account. Also, enclosed are documents provided by the original creditor that confirm this account. Upon review of the enclosed documentation from the original creditor, we now deem this account validated. '' The " documents '' they sent was a XXXX statement dated XXXX/XXXX/XXXX. That 's it. Nothing else. When I tell them I am a victim of identity theft it means someone used my personal information ( i.e. name, address, social security number, birthdate, etc. ). Simply verifying name and address is ridiculous. They provided none of the information requested to truly verify an account. I want these people off my back, a letter of clearance that this is not my account, and my credit report corrected. I will get a lawyer if need be. I have already sued one creditor for the same reason and won.
Consumer complaint received 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a month and half in between jobs in XX/XX/XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 15 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - Ongoing [ as of XX/XX/XXXX -- 12 months ] I have worked for qualifying institutions for a total of 51 months as of XX/XX/XXXX. I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. I have re-certified my payment plan each year on time. However, for some unclear reason, the Dept of Ed only calculates around half of these payments. I have requested formal review by a supervisor at the Dept of Ed twice, and they have still not cleared this issue up. Please help.
Consumer complaint received 2017-12-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Mobiloans, LLC (NE)

I moved and when I moved I closed the account payments had been drawn on. When the XXXX payment did not go through because Mobiloans had not changed the account, I paid from my new bank account. I told them when it was paid that this was the reason. In XXXX they were still trying to debit the old account and not registering payment. I sent them a check for what the last two payments had been with a note stating that this was the account they needed to draw the payments from and asking them in writing to please change to this account. Since XXXX XXXX, they have been calling multiple times a day every business day. At first I would not answer and within a few days blocked the number on my phone. Now they are leaving messages with nothing but background noise ( XXXX, XXXX, XXXX, XXXX, and XXXX ). If they ca n't use some common sense and change the account and if they refuse to stop calling and leaving blank messages, then I refuse to pay any more on this account.