davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (CT)

I have a loan with Sallie Mae that i signed with a cosigner to help me pay for college. I have never adjusted the original terms of the loan since I took it out, even though I make only {$20000.00} a year. I called to ask for lower monthly payments from the current {$340.00} a month that I pay. This amount is nearly 20 % of my monthly income and does not even include my XXXX other student loan payments. The other XXXX I have allowed me to be put on an income based repayment plan, but not Sallie Mae. ( Not to mention my Sallie Mae loan has an interest rate 3 % -4 % higher than any of my other loans ) I have been a good borrower in the 5 years since I left college yet they refuse to work with me. The only option they offer is deferment. Putting the loan on hold for 3 months while still collecting interest is not going to be a long term solution for me. Yes, they would love it if I kept putting my loan on deferment I 'm sure because it means more money in their pocket. They do n't care it does absolutely nothing to help the borrower. 

The lender is supposed to be serving the borrower, not the other way around. My experiences with this company have been nothing but awful. I would recommend anyone who needs a loan, student or otherwise, to get it anywhere else but Sallie Mae. I have never dealt with such a horrible company in my life. I call ahead of time to let them know I ca n't make the payment and they tell me that the collections department wont even speak to me until I let my loan payment go late. Once it goes late however, they have no problem harassing me 7 times a day. Then I call them back only to wait on hold for an hour and to be told that no changes will be made to my loan. 

I am now left in a position where I can continue to pay the loans and have nothing left over to try and improve my life ( like finishing the few classes I have left on my degree, or moving into my own apartment ) or I can destroy my credit while improving my situation, because the XXXX loan i have that takes up 20 % of my income refuses to help a proven good borrower. Learn from my experience and do yourself a favor. NEVER get a loan with Sallie Mae.
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

In XXXX, a package was shipped from me to XXXX with tracking # XXXX. Originally, I was going to drop it off at the XXXX store near me with paper packaging but was told it was unacceptable. They then re-packaged it for me in a large XXXX box to which I paid the full balance of at the store. I received a collections activity notice which I demand be stopped, as it is an invalid debt. The collections agency, Transworld Systems, put a 30 day dispute hold on my debt, but I 've been unable to contact XXXX directly about this. The invoice # is XXXX which again, I was told by the collections agency, is the only way to look up the original package due to being in collections. I wo n't pay a debt that I paid for at the XXXX ( in XXXX ). I want this dismissed.
Consumer complaint received 2017-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

This company reported a Debt to the credit bureaus that is not mine, this is a fraudulent account that was opened in my name, I reported this fraudulent activity to the police and the FTC. This same debt was reported to my credit last year and the credit bureaus verified and deleted this account. also I found out that this is a new collection agency trying to collect on an account that is not mine and I clearly had this account investigated a year ago. I also am a XXXX and I live on campus, I did authorize the company to call my school for proof, I do not pay for any utilities and I do not have any utilities in my name, My college pays for all room and board with my financial aid.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (IL)

This company has been calling me everyday for the past few months and hanging up without leaving a message, or leaving a message with nobody speaking except people in the background. I called XXXX of the numbers back today and they said they are " Transworld Systems Incorporated ''. I gave them my number and they said they do n't have any record of calling me, my number is not in their system so there is nothing they can do. The numbers they have called me from are XXXX, ( XXXX, and XXXX
Consumer complaint received 2016-03-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Funding LLC continue to send collection letters for a debt that was already paid to them. Their attorneys XXXX XXXX and XXXX offered me to delete the credit report in exchange for the payment in full of {$1200.00} as of today they have not deleted the credit report and they continue trrying to collect the debt already paid.
Consumer complaint received 2015-10-03
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (WA)

I applied for and received a credit card from american express. I have just received my first bill and no where on it is found my account number with the company. This is the first time I have ever experienced this ; in my opinion it should be illegal. No other credit card company I know of does this. I thought I had misplaced the card as I attempted to setup a bank payment for the bill for which the account number is of course required ; it took me some period of time, but I finally found it. I should not have been put to this trouble ; this is security taken a step too far - I should like to see this stopped before it becomes a fashion among the credit card issuers.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2015-10-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (FL)

Rush Card did routine maintenance to a new server on XXXX XXXX, 2015. It has since then not deposited people 's money into their accounts. Mine included. My husband and I are awaiting our paychecks via our direct deposit to our Rush Cards. Customer service numbers hang up on you, the website is now down ( again ) and NO ONE is calling back or reassuring that our money is safe and will be to us as soon as possible.
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (SC)

I recently have been working on my credit and when I got an alert from Midwest recovery for collections - I was shocked. Not only am I unable to verify any correspondence since 2012 - when they are saying the account was open but they have the incorrect address on file. I do n't understand how after 4 years this can pop up without any prior notice. I 've had the same address for over 3 years and has been updated on all my credit reports. If they were to properly provide a notice of attempt to collect a debt - they could have easily found my home address. In XXXX Carolina, by law a debt collector can not continue to attempt to collect a debt without good faith attempt to contact the individual. I have not been contacted at all. Please help in getting this off of my credit reports and have the company provide proper service proof of debt.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion LLC had deleted this account in XXXX, ( Account XXXX XXXX XXXX XXXX Account # XXXX ) the debt was then sold and they put it back on my credit report under a different name ( Account XXXX XXXX XXXX XXXX Account # XXXX ) the information is inaccurate, I've made several attempts to TransUnion requesting the names and business addresses of each individual with whom they verified the information above, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information, my request have been ignored. They also ignored my request to remove this unauthorized inquiry as well.
Consumer complaint received 2016-06-03
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (CA)

I have had Rush card for over a year now .. I just bought a new car in XXXX i had my card info in the car due to them needing my bank info, I was sick and did not remove it from my car it had my pin number on the envelope. I had left that my card and meds in the car. someone got into my car and took all my things and drained my bank account. I filed a dispute form on XXXX which they stated in less then 10 days there was no error in my account and closed the claim. Stating i had to file a rebuttal letter which i did on XXXX XXXX. I have called them at least 50 plus times i keep getting the run around.I still to this day have n't received a letter from them which i have requested 8 times. I called again yesterday XXXX to see the status which they said they closed my case again i had them transfer to me to a superior who then claimed i never sent a rebuttal letter and to resend it again and is claiming i have to wait another 90 days for a response. It was over a thousands dollars taken out of my account. I could not make my rent or car payment. Someone stole my card and used it and they are refusing to give me my money or a report on why they will not.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Balance transfer — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

In XXXX XXXX, I accepted a Balance Transfer/Cash Advance offer from HSBC for 0 % until XXXX. I understood that this only applied to the balance transfer and that purchases and fees needed to comply with minimum payments and the card interest rate. I expected this to be as other Promotions from other banks make monthly, periodic, or a balloon payment prior to the end of the term and no interest would accrue. Payment was made in XXXX for all purchases and transfer fees in full. As was not using the credit card and did not plan to pay the balance until XXXX XXXX or XXXX XXXX, no payments were made in XXXX, XXXX, nor XXXX. In XXXX I noticed, late fees upon late fees, interest charged on the late fees. I met at the branch to resolve the matter. HSBC reversed the fees and interest but with no notice to me closed the account and reported delinquency to the credit bureaus and changed the interest rate to 30 %. Now then, I am a " Premier '' customer and HSBC is refusing to rescind the negative reporting, refusing to reopen the account, and presumably has put the account out for collections. All of this with no communication to me. Up until XXXX I enjoyed FICO scores in the XXXX 's. Because of HSBC FICO is now XXXX. I have no problem to pay the balance immediately. Payments have been made XXXX, XXXX, XXXX, XXXX, and already XXXX has been paid. I demand the negative reporting be reversed. While it is technically true that payments were not made the explanation is true and valid. There is nothing written in the Promotional offer that states that the balance transfer amount will be calculated as part of the minimum payment due as with purchases.
Consumer complaint received 2017-03-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY (NE)

Set up account to receive payments from our customer through American Express Buyer Initiated Payments program. They set up the account incorrectly such that payments we were to have received were directed to XXXX XXXX ( we have no relationship with XXXX. ) XXXX rejected the first payment we were to receive via ACH so Amex sent us a check. They stopped payment on that check causing us to incur overdraft fees. When we called to correct the electronic banking information, the salesperson set up another, unauthorized account that had our correct banking information rather than correcting the original account. They also sent us a letter saying that Amex would no longer send checks for rejected ACH payments. However, our next payment of approximately {$1.00} XXXX was sent to XXXX XXXX as well. It rejected so on XX/XX/XXXX they issued a paper check. We still have not received the check. We are incurring interest charges every day ( {$230.00} a day ) that we do not have that check in addition to delaying vendor payments and potential payroll impacts. Upon calling to customer service, the representative and supervisor refused to send us a wire saying that American Express does not send wires ( an obvious lie. ) They also refused to refund any of the {$22000.00} fee they received for the service of " experience faster payments & eliminate check processing costs '' per their literature.
Consumer complaint received 2016-05-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (GA)

I made an inquiry at XXXX XXXX regarding a home equity loan. I received a call from Loan Depot and the very first thing I said to them was that I am NOT interested in refinancing my home ; I am only interested in home equity loans. The initial caller assured me that such an option is available and then transferred me to XXXX XXXX. I AGAIN told XXXX XXXX that I am not interested in refinancing, and that I am only looking for home equity loans. He again assured me that this was an option. During the interview process he asked me what my current first mortgage loan interest rate is. When I told him, he said he thinks he can match that, so once again, I told him I am not interested. He said " that 's fine '' and continued with the process. After giving him all of my information and allowing him to make a hard inquiry on my credit, he comes back and says that he has this " great refinancing offer available ''. When I again remind him that I have no interest in refinancing, and that I ONLY want a home equity loan, he then tells me that option is not available. I feel XXXX XXXX deliberately led me on to try to sell me a home refinance loan, knowing full well that a home equity loan would not be available to me, even though I repeated told him that I was not interested in a refinance loan.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have a Capital One credit card. I paid off my entire monthly balance prior to the due date, yet I was hit with an interest charge. The company said it was practice for interest to be charged unless the card balance was paid off for two consecutive months. It does n't seem appropriate to be charged interest on top of prior principal and interest after the card was paid off during the current cycle.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called my credit card co. to pay off my debt in full on XX/XX/XXXXl. I did, and then I received a refund from an online company that owed me {$58.00} and it posted to my credit card on XX/XX/XXXX as well ( it shows on the statement ). On my next bill, which I got today XXXX/XXXX/15, that refund was absorbed into some make believe charges that the credit card XXXX said I owed in interest, and that I still owed them an addtional {$4.00} and some change. I said why was n't that interest included in my payment when I paid off the credit card in full? They said it was to accrue over the entire month when my bill was actually due. 
Now mind you, my billing date is the XXXX of every month and I paid in full on XX/XX/XXXX. So, I was charged an entire month for interest on a bill I paid on the first, but they said it did n't matter and calculated what would accrue over the entire month up until XX/XX/XXXX. That seems pretty unfair. How is it collecting interest if it was paid off on the XXXX of the month 3 days after my last bill was due and paid for before XX/XX/XXXX, which I paid on XX/XX/XXXX, and it was more than the minimum amount due. So, I was charged about {$65.00} in additional charges after I paid my account completely off. I want someone else to explain this to me, or I am going to think I was penalized for paying my account in full.
Consumer complaint received 2016-10-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NV)

I went to see XXXX XXXX XXXX XXXX XXXX XXXX for medical services on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX at XXXX ( business name ) Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , NV XXXX Phone # : XXXX. I paid my copay. My insurance company ( XXXX ) owes the remaining balance and is under a RECEIVERSHIP/Court order XXXX Judicial District Court of XXXX County, Nevada ( the " Receivership Court '' ), in case number XXXX, and pursuant to Nevada Revised Statutes chapter XXXX, entered its Permanent Injunction and Order Appointing Commissioner as Permanent Receiver of XXXX ( the " Permanent Receivership Order '' ) Per the court order XXXX can not bill consumers or patients, but have done so anyway and have ignored the court order. After explaining this several times by phone and email, on XXXX/XXXX/XXXX I received an email stating I was no longer in collection status from a XXXX XXXX XXXX. I continue to be billed and reported to collections. The last transmittal letter from Transworld Systems Inc. Collection Agency on behalf of their client XXXX XXXX XXXX XXXX is dated XXXX/XXXX/XXXX. My credit is being effected negatively and should n't be.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2015-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (MI)

School: XXXX, XXXX AZ
My student loan was apparently transferred from XXXX to XXXX. I have asked UAS for copies of the signed promissory notes for the XXXX loans held by XXXX. If my loans are owned by XXXX and are being serviced by UAS then they should have the original loan information. They should not be allowed to threaten to report a delinquency to the credit reporting agencies if they cannot provide me with this information.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MI)

I am a victim of the RushCard upgrade fiasco. My pay showed up finally on XX/XX/XXXX. I was not able to use my card, but the bill pay system appeared to work. Bill pay has always been quick in the past, so I used my entire balance to pay some credit cards and utility bills. 5 days later, those payments are still in " scheduled '' status, even though the money was withdrawn. Calls and emails to RushCard about this issue have not been returned. If they are n't going to issue the bill payments, then refund my {$1300.00} and let me withdraw that so I can close my account and go elsewhere. This is infuritating!! I 've been a customer for 7 years.
Consumer complaint received 2015-06-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Outsourcing, Inc. (OH)

I mailed this company a certified mail via US mail in an attempt to have the company validate the debt. The letter was returned to me via us mail because the address that is listed on my credit report is invalid. By law this ca n't be reported on my credit file especially since the debt is unable to validated