davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (CA)

BARCLAY CARD has been a nightmare for me. Problem started when there was a repeated security breach and my card number kept ( like XXXX times ) getting compromised. This resulted in me having to change my card number, numerous times, contact all autopay bills. One occasion after that happened, in XXXX 2014 i began having this problem with my statements where every charge I made it would appear XXXX-XXXX extra times on my credit statement and then automatically appear as a credit back ( sometimes not until a later credit statement ). My statements wound up being many many pages long and you could make sense of them. There was almost no way to track whether i was actually getting credited back for all the over charges. I contacted Barclay numerous occasions, spent close to XXXX hours on the telephone ( over a XXXX month period ), spent XXXX+ hours trying to track my statements and make sense of what was happening. It was so complicated I gave up. I would call and speak to supervisors and be assured they would look in to it and call me within XXXX hours and never once did they return my calls. I spoke to no less than XXXX different individuals ( many of whom were supervisors ) and the problem never got resolved -- i continued to receive false charges and a confusing statement and XXXX help from the company. This problem continued month after month. I finally cancelled the card and then to add insult to injury they went back and are now charging me for the fraudulent charges in XX/XX/XXXX. They also seem to never have any record of my calls or complaints or who i spoke to. I am an attorney who is self employed and bills by the hour. This nightmare has cost me $ XXXX in lost income ... and the nightmare continues. I have never had any experience like this in my life. WORST customer service and response ever.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (FL)

I was utilizing the XXXX XXXX sight and saw a balance transfer offer from Barclays Rewards card. I transferred over a XXXX credit card balance over to Barclays and come to find out that the amount of the new interest rate was much higher. It just seems deceptive and/or misleading that a consumer can transfer a balance over with a potentially lower interest rate
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, 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)

N accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2015-04-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M.A.R.S., Inc. (NY)

I checked my credit report for the XXXX time only to discover that there was a claim of debt that was not true. I have called and requested verification of the debt and they said they would e-mail a bill. I am claiming that the bill was never an agreed upon total and I am requesting some substantiation of the bill, but they can provide none and refuse to remove the account.
Consumer complaint received 2016-09-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services, XXXX has attempted to collect a nonexistent debt from XXXX XXXX XXXX XXXX that resulted from XXXX XXXX XXXX XXXX 's failure to correct a billing error with XXXX XXXX. Furthermore, the Notice from CMRE states that CMRE will assume the debt valid unless I contact CMRE in writing within 30 days, in violation of the FDCPA.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

Convergent outsourcing promised in writing to delete my deregetory item from my credit report upon settling a 50 % payment of what I owed XXXX. It 's been over 45 days and they just reported to XXXX bureau as paid for less than original amount owed. The other bureau still shows that I owe {$580.00}.
Consumer complaint received 2024-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AMA Advisors, LLC. (AZ)

Reached out to XXXX for an unaccounted amount of {$12000.00} to XXXX which has posted 34 days following heloc loan closing. Since than our loan has been reassigned to XXXX XXXX We have reached out to XXXX credit card services to inquire on alleged payment agreed upon, they report no payment in that amount is pending or reflecting on this account. We are inquiring where the remainder of the uncounted funds from our heloc resides. 
We originally borrowed {$80000.00} for loan XXXX XXXX XXXX on XX/XX/year> closing date.
Consumer complaint received 2016-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Convergent Resources, Inc. (CA)

1. This company Convergent Outsourcing falsely misrepresented in their call saying it was XXXX, trying to collect {$170.00} XXXX owed.In a letter to me XXXX, it lists XXXX to pay or by credit card. I called XXXX & clarified that there is no debt of {$170.00}. 
2. A few days later, this same company called with an automated message to XXXX XXXX " from the District Attorney 's office with pending charges & should contact this office at once.You have been notified. '' I was terrified & immediately called that number. The same scam from Convergent Outsourcing regarding collection of {$170.00} due XXXX. 
These calls began the day after I called for a free credit report from all XXXX agencies. I received my XXXX reports & have nothing negative, only my fairly new XXXX transactions, which are favorable. 
I have made XXXX aware of this scam so hopefully, they too will file complaints against Convergent Outsourcing. In my opinion, this should be turned over to the legal authorities as a misdemeanor or even felony. 
Convergent Outsourcing , Inc XXXX, WA XXXX XXXX
Consumer complaint received 2015-06-29
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (IN)

XXXX now been over a week that i bought some Relodit Packs ( https : //www.XXXX ) from BlackHawk Networks ( http : //XXXX ) and have not been able to load them to my XXXX prepaid XXXX Card. I called Relodit Packs customer support daily and still have not been able to access my funds i have stored on their cards.
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (VA)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resource Management Group (WI)

I vaguely remember taking a payday loan in XXXX, I do n't remember the exact year, but I know that I paid off the whole debt. Since it was from a bit of a way back, I do not even have any of the documentation they sent to me and they have not even been in contact with me once in the past 4 years. All of a sudden I am getting calls from " XXXX '' ( Resources Management ) saying that I owe a debt to " XXXX XXXX '' for a payday loan they extended to me ( without my knowledge & without my consent if they even did ) and had old e-mail and bank account information but somehow have my personal cell number which has changed recently AND called my place of work. I did NOT give updated information. When I searched the number and the places of business on google they all come back as SPAM. They have called me numerous times and continue to harass me. I would like this to stop!
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

initial contact was on XX/XX/2023for case # XXXX and case # XXXX finally after contact with cfpb they responded on XXXX XXXX XXXX gave a vague answer. after recontacting chime bank about an explanation about funds being stolen from my account unauthorized by me they gave me the round around about giving the merchant that visa gives them 30day to respond. these reps do not investigate anything at all they seem to be reading from a rehearse script and are not really aware that unauthorized means unauthorized. " We are still awaiting a response from the merchant. Please feel free to contact Chime Member Services via email at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' I get a different answer my money still was stolen and chime plays games with its members. its XX/XX/2023 and nothing has gotten resolved. its been 4 months and nothing the CEO don't care about any consumer. they just like stealing money from hard working consumers..please help..
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (FL)

XXXX has stated they did not participate with the HAMP or HARP programs. I been unemployed and underemployed a few time since XXXX and have completed a number of modification applications. Everytime I contact XXXX and tried to have a resolution to this hardship. The last time I tried. They denied the application due to the amount of monies owed. I have repeated asked for qualifying for any forgiveness programs. I have been told they have in house programs that would help. I am currently unable to find a solution. My father, XXXX y/o, and name is on the mortgage. Lives in the property and is taking XXXX who recently had XXXX I added his income to the application. It took over XXXX months to get a response and then a denial. The debt to income ratios are within 30-35 percent and the debt is more than the value of the house. This is a TRUE hardship.
Consumer complaint received 2015-11-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (NY)

Applied for HARP through current mortgage company : PHH mortgage. Submitted all paperwork and an appraisal was completed by 3rd party suggested by mortgage company. The loan processor told us the underwriter said the pool has to be filled in because that 's what the appraisal indicated. However the appraisal did not say that. It actually stated the condition of the pool did not affect market value of the home. Prior to the appraisal being completed I disclosed the condition of the pool to the mortgage company when they asked if any part of the home was under construction. Anyhow, they are threatening to decline the loan because of the pool and/or not approving the appraisal.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, 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)

XX/XX/2023 Transunion XXXX XXXX XXXX XXXX , PA  XXXX. 

FAILURE TO NOTIFY CONSUMER WITHIN 5 BUSINESS DAYS AFTER REINSERTION OF PREVIOUSLY DELETED LATE PAYMENT. 

RE : XXXX XXXX ACCOUNT # XXXX During a review of my Transunion consumer report, I noticed that your company reinserted previously deleted late payment in my XXXX XXXX account XXXX XXXX on XX/XX/2023, without notifying me of the reinsertion within 5 business days after the reinsertion as required by the law. 

According to 15 U.S. 1681XXXX  - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX ) NOTICE TO CONSUMER If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing NOT LATER THAN 5 BUSINESS DAYS after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( XXXX ) ADDITIONAL INFORMATION As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( XXXX ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file. 

Based on the above violations by your company, I demand the Late payment notice in my XXXX XXXX account # XXXX be deleted and account updated as CURRENT, PAID AS AGREED.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Army and Air Force Exchange Service (VA)

had a credit card with the navy exchange that i got behind on payments towards the end of last year. I called them at the end of XXXX 2015 to start making payments on my debt because I was in a better financial position. I was told that a letter had been sent out stating I need to make payments or they would default on my acct I start making payments XXXX XXXX. I have called in every month after that to make my payment of {$210.00} dollars with XXXX of their representatives. I called them around XXXX XXXX to make a payment and I was advised that they sent me into default because they sent me a letter in XX/XX/XXXX of a payment plan that I had to sign and send back within 30 days. I have been calling in every month and not XXXX associate made mention that the letter had not been received. I was given the number to a 3rd party agency that marked up my acct 16 % I was to make payments XXXX and I was being charged up to XXXX a month in fees and interest on an acct I was already making monthly payments on. I then called back XXXX XXXX appx XXXX talked with XXXX who let me know that it was my fault I was in default in a raised voice telling me I should have had my father send me my mail since I am currently working XXXX and that it is not there problem if the letter did not reach me because they can not control postal mail being delivered. So regardless if i ever saw the letter or not they would have still defaulted on my acct. I responded saying that if an associate would have said something to me about the letter when I called in I could have given them an address to send me the letter and mail back to them. I was also advised that there associates not telling me about the letter or reading the notes on my acct was not in there control. My issue is that I was making payments to them every month calling them so it is not as if i was n't trying to pay my debt because i have been trying to build my credit back up. I am very offended with how this case was handled, and the tone of voice that i was talked to which was very rude which put me on the defense. These companies do and say whatever they want to people/consumer with no regard to professionalism.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (IL)

I received a credit monitoring alert letting me know someone had opened a PayPal Credit account using my information ( name, SSN, and birth date ). When I called PayPal Credit, they would not release any information about the account because the phone number, physical address, and email address did not match, but they did close the account and open a fraud investigation. Nonetheless, I want to know why this credit line was approved when the phone number and address to did not match what is on my credit file. I think PayPal Credit 's risk policies/account origination procedures need to be re-evaluated. This seems like an egregious error to me.
Consumer complaint received 2016-05-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, N.A. (MI)

I purchased variable annuity from a agent from Flagstar Bank. This agent left for some reason or other and he was told not to contact any of is clients. Flagstar also did not contact me. It was not until i called Flagstar and than they assigned agent. During this period of time I loss money because no agent was watching my annuity. The name of the Agent still appear on the Quarterly statements even after he left.
Consumer complaint received 2023-09-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

As a young college student, I took out student loans from Sallie Mae, now Navient, in XXXX, XXXX, and XXXX after my parents could no longer pay out of pocket for college. I took out {$25000.00} in total. For the past 13 years, the recent Account Payment History Report I received in the mail indicates I have paid {$26000.00} in principal, interest, and fees, and {$28000.00} overall ( per the table on my online account ). Despite this, I still owe {$39000.00} as of today. Currently, that's a total of {$67000.00} on a {$25000.00} loan. The balance has remained around {$39000.00} for years and interest keeps accruing and fluctuating. In addition, the estimated pay off date is XXXX/XXXX/XXXX, which means I would be paying on this loan for 30 years. Out of the total amount I've paid thus far, only {$6900.00} has been applied to the principal. Most recently, I have spoken with reps on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The last rep I spoke with indicated that this loan is " like a mortgage except mortgages don't allow you to take 2 year forbearances in reference to what I did back in XXXX ( to obtain my Master 's degree ). To note, Navient freely offered the forbearance at the time when I called to reduce my monthly payments. I also refuted the representative 's statement that Navient student loans function like a mortgage. Unlike any of my other loans, Navient is one of the smallest loans I've had in my life yet it costs me the most because there is no fixed interest. In addition, there seems to be no real target because it keeps moving due to the compounded interest. Moreover, the last rep repeatedly mentioned that I agreed to an interest only repayment plan in XXXX. However, that was the only option they offered when I requested to decrease my monthly payment. They did not offer any other options. Due my income, I couldnt afford to pay the monthly amount, which was nearly {$600.00} at the time. These loan practices are predatory and abusive at best. I asked to re-negotiate the amount owed since I've already paid over {$28000.00} to them but the rep told me that I couldn't because I was in good standing. This option is only available to those that are in risk of defaulting or have defaulted. I could try to refinance, but I still would have to refinance for the {$39000.00} amount. I most likely would end up paying over or close to {$100000.00} on a {$25000.00} loan if I continue paying Navient through the term of the loan. I would like to file a compliant against a company that is allowed to prey on consumers and enforce never ending financial hardships.
Consumer complaint received 2017-01-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TN)

paypal ram roddded my XXXX account incurring XXXX fees repeatedly, then refuses to pay the merchant so assigned the draft for. XXXX should have closed the account, but paypal is at fault here.XXXX has attempted to settle my accounts as an act of good will.When I tell them ( paypal ) to reverse the transaction, they refuse ( nothing but lip service and no way to document a conversation ), my XXXX account gets locked as a side result kiling my internet phone service. THEN, they continue to not only show a negative paypal merchant balance, but proceed WITHOUT AUTHORITY to suck monies from a recently added ( for merchant purchases ) bank account to pay off a credit line held by XXXX bank, not paypal ( drafted my bank account ). They refuse to allow me to delete any other account, despite no longer owning them.