davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MT)

The short version of the story is Fedloan Servicing is reporting my debt in a manner that negatively affects my credit score despite the fact that I have made my payments on time every month. It was never disclosed to me that my repayment plan was not sufficient to keep my credit in excellent standing. It was never disclosed to me that my student loans could negatively impact my credit report. 

The longer version of the story is as follows : In XXXX I was assigned FedLoan Servicing as my loan servicing company upon graduation from XXXX XXXX at XXXX XXXX University. At the time I graduated I had a combined balance of roughly {$110000.00} with about 20 different subsidized and unsubsidized loans. 

I decided that consolidation and income based repayment would be a good option for me, so I consolidated my loans with a 5 % interest rate with a 20-25 year forgiveness plan. The payment plan worked well for me. My payments were roughly {$100.00} a month and I have made the payments on time every month. Fast forward 3 1/2 years after graduation and I have saved up enough money to put a down payment on a home! 

Between XX/XX/XXXX and XX/XX/XXXX my boyfriend and I met with XXXX XXXX XXXX in XXXX Montana. We had our credit reports pulled to find that my student loans were negatively impacting my credit report. Fedloan  servicing was reporting the loan amount of {$110000.00} with a balance of {$120000.00}. 

I was never informed that should my balance grow beyond what was consolidated that it would report negatively. Together with the help of our Loan Officer this XX/XX/XXXX, we called Fed Loan Servicing to inform them of the reporting error. Fed Loan servicing informed us that they had only started reporting their loans this way in XXXX of XXXX. When we asked why and if we could have it reported correctly we were put on hold for 30 minutes. This tested our patience and we eventually hung up the phone.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ballybunion Enterprises, Inc (CA)

Good Day, I'm submitting this complaint in regards to a account that I had with Freedom Acceptance Corporation which had a balance on the account and was sent to another company called XXXX. The Balance at the time of the Charge off XX/XX/XXXX was XXXX  and when looking on my credit report I was a balance of XXXX. I received as notice from XXXX in XX/XX/XXXX with a balance of XXXX. I contact XXXX on XX/XX/XXXX and talked with a rep that told me my account was back with Freedom Acceptance Corporation. I asked them for a Date they didn't have one. And I then called Freedom Acceptance Corporation and was informed by them that my account was still with XXXX. It's seems that I'm getting the wrap around with what is going. I started making these calls at XXXXXXXX XXXX  P.S.T. on XX/XX/XXXX and still don't have any resolution on where to go next. I have not received a summary judgement from a court or Judaical system stating the balance of XXXX.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-Atlantic Finance Co., Inc. (AL)

have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I am a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX XXXX XXXX to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a 3.7 mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX  XXXX - XXXX, MA XXXX XXXX for {$4300.00}.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

I opened an account with TD bank at XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2018. During which time they were running an online promotion for {$300.00} bonus if you open a new account with the bank. So I opened an account and met all the requirement to receive the bonus, confirmed by the corporate representative and TD Bank branch manager XXXX. However, to this date, I still havent received my bonus. I have called the branch throughout last year to raise my complaint, I have spoken with XXXX and XXXX, numerous times who promised would have this matter resolve. Nevertheless, every time I called, all they call tell me is they're working on it. They couldnt tell me how long the process will take, or when will this issue be resolved ( which has been over a year ). All they can tell me is to wait. And one time they told me they have no records of the promotion, so I provided them a copy of their promotion that I was eligible for in 2018 on their TD bank official website. I havent heard back from them ever since. I have made numerous calls to TD bank corporate and the TD bank branch in XXXX, but all they can tell me is to be patient. I was supposed to receive what they promised a year a go and I still havent. The behavior of the bank is extremely unethical and they're false advertising the promotion so the customers would open bank accounts with them.
Consumer complaint received 2019-06-10
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: Navient Solutions, LLC. (NJ)

While investigating if I was eligible for a loan discharge on a Navient private loan, I noticed the school listed as my college was not a school I attended. I requested a copy of the promissory note and once received, it was obvious the loan is fraudulent. The signature for myself and my co-applicant are blatantly forged. Basic, easily verifiable information was wrong, and overall the document wasn't even filled out in its entirety. No copy of ID, no record of an ID for the co-signer was even recorded. I alerted Navient right away, and supplied all requested documentation in a timely way. This inlcluded an affidavit, identity theft report, replaced drivers license from the same time the loan was applied for, social security card, signed lease from 6 months after the identity theft, and a statement regarding the loan. The first issue was the amount of time taken to investigate, then they requested the same document which was already provided multiple times. 

They continue to harass both myself and my co-signer. They found " no identity theft '' even though the paperwork very clearly confirms my claim. At this point, the credit reporting agencies have removed the loan from my reports but Navient continues to add interest to the account and call incessantly.
Consumer complaint received 2019-06-09
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On XX/XX/2019, a debt validation letter was delivered to Portfolio Recovery ( XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ) as to validate an account reporting on my report. Their 30 day investigation would have ended XX/XX/2019 and I still have received no response.
Consumer complaint received 2019-06-09
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. (FL)

Inaccurate accounts are reporting on my credit file : XXXX XXXXXXXX XXXX/XXXX  XXXXXXXX XXXX XXXX XXXXXXXX  XXXX   XXXX/XXXX XXXXXXXX
Consumer complaint received 2019-06-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CT)

I sent {$100.00} thru WesternUnion to be pick up in minutes transfer number XXXX when the receiver went to pick it up they said I have to call and when I called they stay that this transfer violate theirs policy ... and i have to wait 7 business days in order to my money be credit to my account ... how is that fair if they never paid the transaction .... when I asked for the corporate number the representative left me in hold for more thats 25 minutes to give me the corporate number ... how is that fair for consumers
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NH)

Experian and XXXX refuse to remove this account. I explained long ago this was the result of my identity being stolen. The lawlessness of these fools is unacceptable. 




XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2019-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (GA)

Santanders USA I was in a total lost. I have only had the loan since XX/XX/XXXX. My car got totaled out on XX/XX/XXXX. Third Party at fault. Santander held my insurance check for about 10 days. Then  turned around and applied it to my account, and charged me two late fees XX/XX/XXXX {$38.00} and then XX/XX/XXXX XXXX. I called Executive Office spoke with a very, very rude sarcastic person by the name of XXXX, who told me well You should kept paying your car payment per your contract rather we held the check or not. I tried to ask speak to his manager 10 times. He refused to let me speak with him. Then put me on hold and came back to the phone and said XXXX the Manager in charge of the department refused to speak with me as well and said the charges are valid. Then he sarcastically said would you like to talk about something else. I hung up on him.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

This bank doesnt care for my or my concerns Im XXXX XXXX XXXX and they give me a hard time their customer service refuses to speak to me and says my phone is not verifiable and always want me to go to a branch when I cant walk these people Dont care that Im XXXX and refuse to take care of my concerns over the phone they contact me and insist that I go to a branch to activate a debit card something unbelievable they give me a hard time even when they call me
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CT)

In XXXX of 2018 chase didn't charge the right account and it gave me a late payment. It was only a minimum payment of less than {$90.00}. On all of my scores I never miss a payment and it affected my credit score a lot. I didn/t even realize there was a problem with payment or that I was late. Can I please get that strike taken off of my account I am a great customer and never before or after been late. I really did not know and would be so appreciative if we can resolve this issue.
Consumer complaint received 2017-08-07
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: EQUIFAX, INC. (MO)

Equifax was asked by myself and XXXX card to remove XXXX hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.
Consumer complaint received 2018-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I relocated to XXXX, Illinois on XX/XX/XXXX. At that time, my cellular service provider was XXXX. XXXX was my exclusive cellular provider since the XXXX. Up to this point, I was happy with the service. After moving to XXXX, I was unable to use my cell phone in my apartment. I could not hold conversations with people ( they could not hear me for any length of time ) or the calls dropped completely. Frustrated, I reported this issue to XXXX. After complaining repeatedly for months, XXXX finally agreed to send me a cellular service extender kit as a remedy. The remedy, however, did not solve the problem. The extender did not work consistently, at I would have to end a call, try to connect to the extender and then try the call again, with varied success. I reported this to XXXX as well. XXXX had no other solutions to offer. They indicated that there were limited cell towers in my area. This was surprising to me, as I live in downtown XXXX. This went on for months, and out of frustration, I called XXXX to cancel my service. After 10 years as a customer, they offered me nothing. 

In XX/XX/XXXX, after months of trying to resolve this issue with XXXX, I transferred my number to XXXX XXXX XXXX, which I understood had better service reliability in the XXXX area. In my opinion this was a constructive termination, because XXXX was unable to provide me reliable service. I, in effect, had to cancel. They still charged me a {$300.00} early termination fee, which I believe is unconscionable and bad business practice. I have pleaded my case to them without success, and they referred my account for collection, which is now held by XXXX XXXX in Washington state. 

I do not feel I owe this balance, and have requested, without success that it be removed from my credit report. 

Interestingly enough, I spoke with a XXXX representative one day, while at an XXXX office. He was attempting to get me to switch and I explained my dilemman to him. He indicated that he could probably get the collection account removed if I signed up with him. I did not want to incur another early termination fee with XXXX XXXX XXXX so, I ultimately decided not to do so, in spite of the potential savings on my cellular bill. I would rather have reliable service at a premium than a cheaper plan with unreliable service. 

Please help.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 2019-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

I opened a checking and savings account with Wells Fargo in 2012 I believe, I do not have the account number available to me as all accounts are now closed and do not have access to them. Due to Wells Fargo high pressure sales tactics which includes customer service reps insisting I open a second account to use for bill pay, I later opened additional checking accounts, accounts ending in XXXX, XXXX. It's common sense to know you do not need a second checking account, you can keep your funds in one account and still manage bill pay.. Reps would routinely insist I open a second account whenever I called in with questions about the account and or any fees. It appears Wells Fargo reps only wanted to boost profits as they were advised to persuade customers to open additional accounts by executives, this information can be found on any number of news sites pertaining to this issue. I fell victim to this, opened accounts I did not need.. Prior complaints were made about fees charged to these accounts and settlement payment which is inadequate. Wells Fargo made a settlement fund due to their reps high pressure sales tactics in order to boost profits and salary of executives. I received a payment in the amount of XXXX from this settlement which appears to be a remedy not a resolution of fees. I understand the administrator of settlement determines how much is paid out, even though Wells Fargo agreed to the settlement and I believe is the party responsible for disbursing payments. Needless to say, this seems shady as it appears they simply sent out {$85.00} to everyone whom filed a claim.. Prior complaints were made about this issue, a payment of {$50.00} was received and most recently, {$120.00} for a total of {$260.00} including {$85.00} from settlement. Suspicious of this, I requested copies of statements via a complaint with the CFPB, which was marked as duplicate, another complaint filed with the OCC in order to obtain them. I've since received several duplicate statement copies, which are not needed. I also received a notice from Wells Fargo Mediation, I replied with a request for remaining fees which I total in the amount of {$610.00}. The total in fees I show and have attached statement copies to this complaint is {$870.00}, I was paid a total of {$260.00}, thus leaving an amount of {$610.00}. Please note, this does not include the monthly service fee of XXXX. I reasonably requested XXXX via medication, have not heard back in re. I do not know how Wells Fargo rep ( s ) replying to these complaints calculate these payments, XXXX and XXXX, however, they appear to be a remedy not a resolution. I request Wells Fargo do an accounting of fees charged to these accounts, refund difference which I believe to be {$610.00} which reflects {$260.00} paid to me prior.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (DC)

After a payment was posted to my account, it was removed 16 days later with no notice or explanation provided to me. I have tried reaching out to the company on 3 separate occasions, and have received 3 separate and contradictory explanations for what is going on. On 2 occasions, I was told the issue would be resolved and then no action ever occurred. On the 3rd occasion, the representative disconnected me without finishing my call and never called back. The company should be able to provide me with clear and consistent information on my account, and it's inability to do so has almost made me late for my payment, despite assurances they would resolve it in time.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (WA)

A check issued by me in XXXX was withdrawn twice - one in XX/XX/XXXX and another in XXXX XX/XX/XXXX. First of all, the bank did nothing to stop verify the validity of the check. How can they withdraw money from a check that is 2+years old? Second, I called them multiple times to resolve the issue but they showed no genuine interest in doing so. They helped someone steal my hard earned money and did nothing to stop me or help remedy the situation.
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (AZ)

On XX/XX/XXXX I loaded {$300.00}. When I went to spend it online, all my charges were declined. 
I called and XXXX said it went to fraud dept but they wouldn't tell me what was going on or what the charges were. I told him to just close the account if I can not spend my own money. XXXX closed the account and told me it would take 7-15 business before I received my refund check. 
On XX/XX/XXXX I called back and spoke to XXXX. She said the check was processed on XX/XX/XXXX to give it 48 more hours. 
On XX/XX/XXXX I spoke with XXXX, she said check was mailed XX/XX/XXXX. A specialist would call me by XX/XX/XXXX. No call and still no check. 
On XXXX XXXX said they cancelled the first check and were issuing another # XXXX I told her I wanted to speak to a manager. SHe left me on hold & eventually the system kicked me out. 
I called back and DEMANDED to speak to a manager. I got XXXX who said she was a supervisor. She told me somebody would call by XXXX to issue a check TODAY. No call AGAIN. 
I called back again on XXXX XXXX, another supervisor, said he was waiting on a computer update about my mystery check they allegedly sent. A specialist would call within one or two hours. 
I am writing this on XX/XX/XXXX, six weeks after the initial fiasco began and still no check. 
I will follow up this complaint with as many complaints and agencies I can find today. This has been a nightmare experience met with foreigners and incompetence answering the phones and repeating the script like good little slaves. 
The desired resolution is the return of MY MONEY into MY ACCOUNT. NOW!