davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
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. (GA)

I do not own this debt.This vehicle was stolen  XXXX    XXXX  . Police Report #  XXXX . The car was never recovered. I filed a loss through my insurance company, which was a paid valid insurance policy.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  needs to contact the insurance company to discuss payment of the vehicle balance. I am requesting full valid proof of this debt. Along with the person 's name, position and number who physically validates this debt and as to why  XXXX   XXXX   XXXX  refuses to go after the correct owner of this debt. If  XXXX   XXXX   XXXX  can not properly and accurately provide with the proof, I request that this debt that I do not owe be removed
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Received a letter in the mail from XXXX XXXX XXXX claiming I owed {$5800.00}. The original creditor is listed as " GE Capital Retail Bank '' despite the fact that I 've never had an account or any sort of contact with said bank. On top of that, the charge-off date is listed as XX/XX/XXXX even though I did n't have any sort of credit account until XX/XX/XXXX. The claims are completely bogus as far as I know and have no merit to them.
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

Filled for Bankruptcy XXXX/2016 All student loans removed under XXXX XXXX  and switched to navient.
Being charged up to XXXX in interest per 9 loans.
Denied for repayment plans.
XXXX XXXX and XXXX College obtained loans under false pretenses.
I have contacted navient/XXXX XXXX/ XXXX XXXX/ and XXXX College without success.
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION (TX)

I have been contacting a company by the name of Universal Premium XXXX XXXX by XXXX.  We applied with them for a credit line for our fleet. There card offers repairs, gas and etc. When the account was applied for and opened I had an position in the company whom handled some of it 's financial affairs. We terminated his position in XX/XX/XXXX. I took over all the items he was responsible for which opened this can of worms. I have attempted every approach with this company to fix the problem. They are currently debiting a bank account I asked for them to stop in XX/XX/XXXX. They are debiting this account every two weeks for {$750.00}. I spoke with a representative in XX/XX/XXXX whom stated there were website changes and it would get corrected. I followed up at the end ofXX/XX/XXXX in regards to not being able to remove account from online portal along with other issues of fees, interest and high risk transactions by email. The reply a few days later stated it was taken care of. It has continued. I have attempted additional contact through phone and email with no response. They are still debiting out of account as of today and say they have me on a list with other people to get resolved. I have left money in account to cover other items that may post to this non active account. We have changed banks. They want me to give them the new info, but refuse to remove the old and I am worried that my information is compromised. They have been withdrawing this money without my permission. They have been told to stop! I asked who their governing agency is and staff states they just work there? I asked for a supervisor whom is always busy or whom will return my call. No return calls! I will be contacting authorities.
Consumer complaint received 2017-06-27
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion, XXXX, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX XXXX XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} Ad XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: American Collections Enterprise, Inc. (MD)

American Collections Enterprise , Inc. called several times at my work number, and I do not know where they were able to get my work number from. I told the collector that I did not want them to ever call my work phone again. After I asked for a formal letter of the debt, the collector was very rude to me and hung up on me.
Consumer complaint received 2017-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bread Financial Holdings, Inc. (MD)

ISSUE 1 : PayPal Credit account was opened with several promotions that ran consecutively stating no fees or payments for 6 months each, and at the end of the promotion the interest rate would be applied to whatever balance remained, and your payment would be calculated. Numerous overpayments made when no payment was due on the account. Multiple payments were made in one month. When PayPal Collections was asked how overpayments are applied, they refused to provide an answer, but kept telling me I had an alleged balance that needed to be paid immediately. PayPal mailed credit statements that are different from the online activity statement, and is misleading and confusing to the consumer. I did not see the discrepancy until I did an audit of my account. <P/>ISSUE 2 : PayPal fraudulently removed overpayment amounts from my account by erroneously listing payments as Denied Balance Payment online. The alleged denied balance payments are not listed in the actual paper statement received from PayPal, and there are no Denied Payments on my bank statements. For example, on XX/XX/XXXX and XX/XX/XXXX paper statement mailed to my address there are no transactions listed, but on the online statement it states, XX/XX/XXXX - PayPal Credit Denied Balance Payment - {$260.00}. The other denied payment is listed online for XX/XX/XXXX, but is not listed on any of my bank statements or the paper statements provided by PayPal. The following ( based on PayPal records and statements from XX/XX/XXXX through XX/XX/XXXX ), is the total breakdown by year : XX/XX/XXXX Forward balance in a promotional period was {$480.00} Promotional Purchases from XX/XX/XXXX : {$510.00} ( Total w/ balance : {$1000.00} ) - Payments from XX/XX/XXXX - XX/XX/XXXX : {$540.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$170.00} Total Payments & Refunds : {$720.00} Promotional Purchases from XX/XX/XXXX - XX/XX/XXXX : {$1000.00} - Payments from XX/XX/XXXX - XX/XX/XXXX: {$1900.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : XXXX Total Payments & Refunds : {$2800.00} XX/XX/XXXX - Forward CREDIT : {$1500.00} - Purchases from XX/XX/XXXX - XX/XX/XXXX : {$700.00} - Payments from XX/XX/XXXX - XX/XX/XXXX : {$760.00} - Refunds from XX/XX/XXXX - XX/XX/XXXX : {$160.00} TOTAL APPROX. CREDIT AVAILABLE :  {$1700.00}
Consumer complaint received 2017-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OK)

I 'm waiting for a new card to come in the mail but my current one is still activated. I ca n't scan it through machines because the magnetic strip is damaged but I can still pay for things online. The only access to money I have is sending myself cash from my bank to  XXXX    XXXX   or moneygram  or to drive   XXXX   XXXX  hours to my bank. They have both denied letting me send cash to myself and I have a car payment and issurance payment right around the corner. I 'm extremely displeased and they even blocked me sending money to family or friends so they can pay my car and insurance payments. I 'd like this settle asap. I 'm in the military and believe I deserve more respect than to be denied MY OWN money that work hard for.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

I have XXXX complaints. 1. I attended a school for to be an XXXX. The school XXXX XXXX XXXX closed and did not disclose that it was uncertified? The school Claimed that I would be taught to be a XXXX in 10 weeks. I paid {$12000.00} in student loan from XXXX now navient. 
2. My father co-signed for my student loan and navient refuse to Remove his name from the loan when the agreement called for him to be a co-signer for two years.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On a letter datedXX/XX/XXXX, my mortgage company, Nationstar, sent me a letter informing me of a shortfall in the escrow account of my first mortgage. My accounts are impounded. It said that if I took no further action, the shortfall would be spread out in my monthly payments beginningXX/XX/XXXX. I took that to mean that my XXXX statement, due onXX/XX/XXXX, would be impacted to the tune of {$60.00}. This happens all the time and I understand and am happy to oblige. My understanding of this was further reinforced by the Mortgage Loan Statement I received from them with a statement date of XX/XX/XXXX, in the amount of {$1900.00}, my usual payment for the last year. That is the amount I put in to pay on my online bill pay service as usual. <P/>Today I called them to make sure that was correct, and was rather concerned that they said it was not correct. I owed them an additional {$60.00} as of XX/XX/XXXX. When I asked why, I was told that there was a shortfall in the escrow and I owed that money. I understood that and knew it was coming ... next month. And my statement from Nationstar, which is in effect a bill, said that for THIS payment I owed {$1900.00}, dueXX/XX/XXXX. Had I not called them onXX/XX/XXXX at XXXX PDT, I would never have known, until they had already reported me delinquent, that I owed an additional {$60.00}. While I can cover that amount, I have two problems with this : 1. My credit could have been negatively impacted through no fault of my own. 2. This business practice sets up consumers to be abused and harassed for things they did n't do wrong for an extensive length of time. My only saving grace is that I called to double-check. <P/>Personally, I have already begun looking for a new mortgage lender, because this level of incompetence is terrifying in the mortgage world and can potentially effect thousands of customers who may rightly take their mortgage statement at face value, as they should.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NJ)

I ask them to identify themselves when they call. They refuse to answer my question. Then hang up call me 4 times a day. I made it clear that I do not owe anyone any money and they can communicate with me by mail. They do n't even have a valid debt to collect on. I would like to take legal action against them for unlawful harassment. My number is on the do not call list as well.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

I recently acquired the Barclaycard Arrival Plus Mastercard because of the alluring promise that I can earn XXXX miles per dollar spent as well as redeem them for travel purchases at basically XXXX cent per mile rate. The travel credit redemption program states : " Choose any qualifying travel purchase of {$100.00} or more made within the last 120 days to redeem your miles for a travel statement credit. Travel statement credit redemptions start at XXXX miles for {$100.00}. Please note, only qualifying travel transactions made in the last 120 days will display, and you may only redeem against a transaction one time. '' However, it does n't state anywhere in the rewards program description that AFTER the initial {$100.00} threshold has been met, there is a {$25.00} increment in redemption. Meaning that my charge of {$120.00} CAN NOT be redeemed with XXXX miles and instead the maximum I would be allowed to use to redeem is XXXX miles for {$100.00} of the {$120.00} charge. Phone representative admitted that there 's a {$25.00} ( or XXXX mile ) increment after the initial {$100.00} ( XXXX mile ) threshold has been met. He also admitted that this is not clearly stated and as a consumer I feel that I was not able to maximize the rewards that I 've earned because no attempts were EVER made by Barclaycard to disclose the " rule ''. The phone representative XXXX made it very clear that I will never be able to use the entirety of my miles ( XXXX miles at the time of writing this ) because of the unstated rule and I do not think that Barclaycard has been upfront about the rewards program to allow a consumer like myself to make an informed decision about their product.
Consumer complaint received 2017-06-27
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc. (NJ)

Every month I receive from XXXX an invitation to lower the cost of my student debt : " We 've missed you! '' Simply log in and check your rates. I apply and always get rejected. they keep sending me an invitation to re-apply " XXXXXXXX is the 5th one of these I 've received. The latest one onXX/XX/XXXX, 2017.
Consumer complaint received 2017-06-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have lived in my home for 23 years and have had an interest only with a 2nd mortgage after the last refi. Wells Fargo bought this mortgage from the refi lender over 10 years ago and I signed no papers. The process was just that I was paying this lender now you pay the mortgage to Wells Fargo and it is a 30 year interest only loan. Once I stated paying Wells Fargo I noticed the 2nd mortgage was now a credit line at interest only at 8.75 % interest. I thought this was odd. <P/>I recently got a notice from Wells Fargo that in XX/XX/XXXX the loan was going to increase .50 % and change to interest and principle. I am scared to death with this change and had no knowledge that my interest only loan would ever convert to an interest plus principle loan. <P/>I have had some major life events in the past 3 years that add a significant fear of loosing my house. My husband passed away in XX/XX/XXXX and in XX/XX/XXXX I lost my XXXX figure income job due to job elimination as their business was declining. I am XXXX years old and have secured employment but at 30 % income of what I was at before. I am making ends meet by taking on a roommate and my late husband 's social security. I am barely making on the current interest only % and will not be able to pay the ( I think - {$1600.00} ) increase. <P/>I want to work until I am XXXX and stay in this house so I can retire at the maximum social security. I have tried working with several brokers to do a refinance and distance myself from Wells Fargo based on the latest legal issues with this bank. I am concerned they do not care about any of their customers and will only take out their self inflicted losses at the expense of their other customers ( me for example ). <P/>I do not want to be forced out of my house. Is there anything you can do? No one explained to me that this interest only mortgage would ever convert to an interest and principle loan or I would have handle my investments over the years completely differently. Also quite awhile ago I got a notice Wells is requiring full payment of the credit line in XX/XX/XXXX that was a 2nd Mortgage. I never signed up for a credit line and have not used it that way. <P/>Is there anything you can do to help me?
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

My loan provider is Navient. All this mess started in the spring of 2015. I tried to call Navient to get my monthly payments moved down from {$680.00} to something more reasonable. To my surprise I was told by a employee at Navient that " I know it does n't make sense but you have to pay that amount and we can not do anything else. '' I then wrote the CFPB and magically the payments dropped to {$370.00}. I was fine with this and made the payment. Here is where the frustration and stress came back. Not one month later it jumped to {$460.00}. Still not as bad but not what I was told. I emailed my " contact '' at Navient XXXX XXXX. I stated to him the payment was not right and on XXXX/XXXX/2015 he said he made the needed corrections and my payment would only be {$420.00}. Still not want I needed but I took it for then. Since then my payment has steadily gone up month over month to where the last payment was {$470.00}. I do not know what to do and have already started the process of getting a lawyer as I can not make this astronomical payments in the hopes of help, then when I look at how much is going to the principal is only {$110.00} one month and {$17.00} the next. Out of {$470.00} only {$17.00} goes toward my principal??? I do not know to do and I have already tried to resolve the issue. I do not have a problem paying back loans but this is ridiculous and is causing unneeded XXXX and XXXX thinking about how I am never getting out of this debt from this company.
Consumer complaint received 2017-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (WA)

Golden Valley Lending BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Started Locally : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in CA Phone : ( XXXX ) XXXX Web : www.golden-valley-lending.info Category : Questionable Activities Complaint On or about XX/XX/XXXX I obtained an online loan for originally XXXX XXXX Dollars ( {$1000.00} ). I was not aware of the astronomical interest rate of 720 %, that would result in my final payout would be close to {$5000.00}. After the fact ; I did research on this institution and found out they are a Tribal entity. I was not aware of this fact. There are several complaints against this lending institution, as I have given an example of the BBB below. Government Action Golden Valled Lending, Inc. On XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a complaint against Golden Valley Lending , Inc., Silver Cloud Financial , Inc., Mountain Summit Financial , Inc., and Majestic Lake Financial , Inc. Case # XXXX. The complaint from CFPB alleges that, The companies deceived consumers by collecting debts they were not legally owed. The CFPB also alleges that the four lenders could not legally collect on these debts because the loans were void under state laws governing interest rate caps or the licensing of lenders. The CFPB alleges that the lenders made deceptive demands and illegally took money from consumer bank accounts for debts that consumers did not legally owe. The case is currently pending. XXXX XXXX XXXXXXXX Here are the two payments that I have done up to now ; Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$300.00} Principal : {$50.00} Total : {$350.00} Pmt Number : XXXX Pmt Date : XX/XX/XXXX Pmt Mode : ACH Fee : {$280.00} Principal : {$50.00} Total : {$330.00} I called Golden Valley Lending to find out what the pay off would be if I paid early. For a loan remainder of {$850.00}, my pay off value is {$1100.00}, which I will pay on XX/XX/XXXX. I was not expecting such a high interest rate, thinking my loan would be about paid off by now, if not paid off. I was in for a huge shock. I made a mistake once and will not ever make that mistake again, it was supposed to be for emergency purposes. Remedy Sought : I would like to recoup some of the interest rate that was/is charged on this loan. This practice is highly questionable in my opinion.