davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX -credit limit not  XXXX  accounts with a balance   XXXX    still showing on report  XXXX   XXXX  -  XXXX   XXXX   XXXX  card.   Age of credit history not current.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

Since XXXX 2017 I 've been trying to resolve a dispute of {$2700.00}. My dispute has gone on deaf ears. I was charged {$2700.00} for a service that I 've never received. The company cancelled my service a couple days before The due date. They responded to the dispute credit card with a Copy of my signature on a contract that clearly stated if my XXXX was canceled by me they would keep {$100.00} of the money. Contract does not state what would happen if the surgeon canceled the XXXX. In my case the surgeon canceled the XXXX service. I did not cancel I was entitled to 100 % refund. Citi has not been helpful in my dispute. I Have sent several emails back-and-forth with the credit card company. including many calls. i was charged {$2700.00} by XXXX XXXX XXXX for a XXXX service that I never received and I 'm still required to pay. The credit card company is not crediting my account for that amount. Very same company named XXXX XXXX XXXX went ahead, without my permission and charge an additional {$100.00} of which I 'm also trying to dispute with the Credit card company and it still shows as processing. So far I 'm disputing two transactions that total {$2800.00}
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

X/X/17    - This company has been making frequent and harassing calls to m y Mother 's hom e for almost a year now.   The numbers they have used just in the past week are :  XXXX   XXXX   XXXX   XXXX  The company is : Portfolio Recovery  Associates LLC   XXXX   XXXX   XXXX   (  &  XXXX   XXXX   XXXX  - for Disputes Dept. )  XXXX , VA  XXXX  I have sent them several letters begging them to stop calling my Mother 's number because I do n't live there and she is recovering from  XXXX   XXXX   XXXX  and is still undergoing treatments. I have explained I am currently dealing with illness, I have filed for  XXXX , I have no job and I have no income. I also explained I am not trying to avoid paying them, I just have  XXXX  income at this time. I am currently living with family and friends and constantly changing residences.
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (FL)

Acct XXXX says status closed. I had a dispute for the charges and they never resolve a dispute I had with XXXX XXXX I contacted them and resent the signed ACH dispute 10 times, they closed the account without reason, didnt give me the refund for the unauthorized charge of XXXX XXXX and did not credit the overdrafts fees. I should have received a refund for about {$100.00}. I want them to reverse this, close the account with good terms and issue a refund to me for the unauthorized charge of XXXX XXXX and the overdrafts. I already did a dispute with BBB, your rep XXXX from the presidents office phone number XXXX didnt do anything.The next step if they dont resolve this now, will be FTC and if not seek legal action for their incompetent actions that are causing hurt to my credit and banking history by reporting inaccurate information for not resolving unauthorized charges on time.
Consumer complaint received 2017-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter #  XXXX . According to FC RA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from  the consumer credit file.   The United States Bankrup tcy Court DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personal id entifiable information reported.   However, credit bureau actively searches public records for any judgments and tax liens through third party research.
Consumer complaint received 2017-05-09
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: EQUIFAX, INC. (TX)

I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  two  account on my report as well.
Consumer complaint received 2017-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the XXXX XXXX XXXX account XXXX. I am going to provide the removal letter as well for my records. Also, I provide my credit report with the XXXX account on my report as well.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I applied for a  Capital One credit card and was approved. I called to activate it and they said there is fraudulent activity on the card . I just received it in the mail on  XXXX / XXXX /  XXXX   and they are telling me this on  XXXX / XXXX /  XXXX  . I asked them about what was going on and they would n't explain why. They said to go forward they need a copy of my drivers license, my social security number and proof of address. I do n't feel comfortable having a copy of my drivers license put on file with my social security number. Their data base could be breached and that would set me up for identity theft. The information that i provided them with should be sufficient enough. I only ask that they explain to me why i have to go through the extra steps. Why is not everyone required to do this?
Consumer complaint received 2017-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Advantage One Credit, LLC (OR)

___/___/___ Dear Sirs/Madams ; I recently received the paperwork regarding this case in the mail. The envelope was dated ____date______from_______adresss____. As I have read the paperwork, there was an attempt to serve me in person, the paperwork was serviced to a person that does not exist and I have concerns about consumer privacy. Clearly, as stated in the paper work ___________ was the substitute and spouse ; he/she is neither.
My spouse has been deceased for years and as aforementioned____________ was not and is not my spouse. The original paperwork was given to a complete   stranger not only compromises my privacy, it is a detriment to being able to resolve the matter within the allotted time frame. Furthermore, I attempted to resolve this matter and negotiate a payment plan however, by the time I received this I '' mailed '' paperwork the online option was unavailable. I suffer from  XXXX   ( docu mented ), my privacy is especially important, due to this matter my stress is elevated-Who in fact received my paperwork? Why did I not receive it that day? What does this unsaid stranger know about me?   I tried to resolved this matter with your client before it came to this ( I have photos of trying to pay the bill on line and the down payment was ambiguous-and I have photos of it changing, I tried for a larger payment to not avail ).     I made every attempt to pay the bill, after my after my spouse died my accounts needed to be changed to a solo account and this takes some time ; coupled with identity theft shortly after-not only is a strain but it takes quite a bit of time to change these things. I am not eluding my responsibility, I am sincerely trying to resolve the matter and made calls expressing my situation long before this : bottom line is I could not make payments from an account I have no access to. My children had to take this responsibility in interim because my inaccessibility to all the matters that needed to be accomplished, legal matters are time lengthy-especially after death.     Sincerely, ________________
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Ever since my student loans were switched from  XXXX   XXXX  to  Navient I have had nothing but problems. I have contacted Navient on multiple occasions to discuss lowering my monthly payments. I pay my loan every month on t ime even though I am struggling to do so. I have asked for help but when I call I am told there is nothing that can be done. Every few months my monthly payment amount goes up a few dollars without my knowledge making it even more difficult for me to make the payment. From  XXXX   XXXX / XXXX / XXXX  my payment was {$290.00}.  78 t he following month  XXXX / XXXX / XXXX  my payment went to {$340.00}. Then two months later  XXXX / XXXX / XXXX  my payment went up to {$340.00}. Then  XXXX / XXXX / XXXX  it went up again to {$350.00}. In  XXXX   XXXX / XXXX / XXXX  it went up again to {$350.00}.  XXXX . Now I just received my  XXXX  bill and it went up again to {$360.00}.  XXXX . I called for help and was told that the interest rates keep going up so I asked if I can lock into a fixed interest rate and was given no help. I was told to write a letter which I did and never received any feedback. I am obviously not the only consumer having trouble with this company since they are currently being sued. They do not help at all. They do n't advise of any other payment plan options for people struggling to repay their loans. They are rude on the phone on top of this. I have Federal student loans on top of these plus my own personal bills. It 's horrible that this company treats people this way.
Consumer complaint received 2017-05-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On  XXXX / XXXX / XXXX  I disputed an item on my  XXXX  report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify  XXXX  that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to  XXXX .  XXXX  did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information.  XXXX  responded back that they would not reinvestigate as required by law. The information being reported on my credit report by   XXXX    is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (AL)

Franklin Collections i n  XXXX   MS..  XXXX   hospital     {$210.00} ... informed her that I could n't pay until later thus month and she told me that they needed a payment this week, that they could n't hold it any longer. Then she asked me for my address. So I hung up. Next representative was rude as well and hung up on me.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

USAA h as lowered my credit limit to {$3000.00}, way below my current balance of {$8000.00} and immediately reported this to the credit bureaus causing m y credit score t o drop  XXXX  points fo r the  XXXX  time in last   XXXX  . It is their attempt to force me to pay a higher monthly payment.    This is the   XXXX   credit card  with USAA w hich they lowered my credit limit below my current balance and reported this negative information to all  XXXX  credit bureaus.   I belie ve USAA has t argeted me for some reason and are deliberately ruining my credit history causing me higher rates for insurance and causing other creditors to follow suit.     I have had this credit card for approx.  XXXX  years and have NEVER missed a payment. Further, I have never missed a payment with any account in my name my entire life. I am  XXXX  years of age and never have I  had any kind of negative information reported to my credit report, However, in the last week USAA ha s wrongfully report ed  XXXX  separa te negative items to my credit report.
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

I,  XXXX   XXXX  believes that a major national bank has colluded several federal guidelines and consumer laws that were initiated to protect my rights as a consumer in the American economy. I attach items showing my fight against  XXXX   XXXX  and  XXXX   XXXX   XXXX  as Trustee. My argument has always been that  XXXX   XXXX   XXXX  had no financial right to foreclose, that my rights to an initial modification was voided by a trick imposed by a former loan servicer to obtain a default judgment of foreclosure. Now, after tens of thousands of dollars spent to avoid a foreclosure, I have a new law firm representing my interest called the  XXXX   XXXX   XXXX . Previously, I submitted a complete outline to the  Federal Housing Finance Agency,  Inspector Generals Office ( FHFA-OIG ). That federal agency is in position to give relief on my house indebtedness by legal precedent. The office simply shelved by request to intercede on the foreclosure/principal reduction matter. Now, as I have submitted multiple financial items for a modification that should have been granted years ago, my foreclosure is re-scheduled again. The foreclosure can not be scheduled while the mortgage is being transferred to a new servicer. My new servicer is known as Fay Servicing , LLC,   XXXX   XXXX    XXXX   XXXX ,  XXXX , IL  XXXX . This agency must cease and desist all further foreclosure processes immediately as such a servicing agency has not had the file in hand long enough to fulfill my protected rights under the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,  XXXX . Under federal guidelines, all foreclosure procedures must stop, and I request a full investigation into  why the Federal Housing Finance Agency, Insp ectors Generals Office ( FHFA-OIG ) never took my original request of  XXXX . This inconsistent way a massive federal bank such as  XXXX   XXXX   XXXX  can hire the finest of law firms, paying tens of thousands of dollars that will be covered b y the Federal Deposit Insurance Corporation,  all due to the  XXXX  national real estate meltdown, is a sham. Fay Servicing , LLC must contact the  ( FHFA-OIG   ) to reopen my case for initiation of a principal buy-down. My home is worth {$120000.00} by appraisal , and   XXXX    XXXX   XXXX  desires to foreclose on a {$220000.00} debt that shows a 90 % debt over value. I must be given proof that the  XXXX   XXXX ,  XXXX  foreclosure has been cancelled, and that a serious consideration is given on principal reduction to restructure the debt in question.
Consumer complaint received 2017-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST HAWAIIAN, INC. (CA)

First Hawaiian   XXXX  began taking {$10.00} per month from my " Totally Free Checking '' without my knowledge and consent in  XXXX    XXXX   and has done so for the past six months - I had no prior warning or knowledge nor did I give them my consent to charge my account. They called the change an " Inactive Account  Fee  '' but it shows up on-line as a service fee. In either case it was a fee for doing absolutely nothing and serves no purpose except to steal money from the accounts of those who trust the bank is protecting their money. I can leave money in my safe at home for free with no " inactivity fee '' so why would I agree to put it in a bank and be charged. I had no prior knowledge  First Hawaiian    XXXX    would act like  XXXX   XXXX  and charge money or change your account without any knowledge of the account holder. I guess they learned from  XXXX   XXXX  that stealing money from consumers is very profitable. I have asked them to return the money taken from my account without my knowledge or consent and they have refused. These thieves are just like  XXXX   XXXX  - charging fees to accounts called " totally  Free '' without authorization or the knowledge of the customers. I plan to close the account and never do any business with these thieves again. When is the US  Government going to do something about these dishonest banks?
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2017-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I paid a Gap Visa bill in  XXXX    XXXX   on the phone via  XXXX  Credit Card Customer Service. I double checked my account online to make sure the bill had been paid and my balance showed  XXXX . Then, I received an email about an overdue bill charging me late fees. I called Synchrony Bank who manages this credit card and they said my payment was denied because of a problem with my checking account number. I asked that the late fee be waived since I was not notified of this problem and Synchrony Bank would not even consider waiving the fee and just demanded I pay them the debt which had since accumulated several  XXXX  dollars by the time I received the email. I am hesitant to pay because I have had to call customer service about   XXXX   times now for this  XXXX  charge and keep getting emailed about the same bill needing to be paid only now with additional costs of late fees. I 'm afraid to pay Synchrony Bank because it seems like a scam, they do n't have any of the facts about my account, and are rude and abrasive on the phone. I am now getting notices that I owe {$250.00} in $  XXXX /billing cycle late fees which have been piling up since  XXXX  despite my attempts to resolve the issue. Gap shut down my credit card and wo n't take any of my calls. I 'd like to dispute this debt and make sure  my Gap Visa is entirely shut down as I 'm worried this experience is damaging my credit score.  Please help!
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

In or around  XXXX    XXXX  , I opened another checking account to have my paycheck directly deposited. My employer required that I attach a voided check to the payroll request. I already have a checking account which I have been depositing to for several years, however, I needed to switch to the new account to be able to close the ol  d one.
Chase took a monthly fee out of my new account and the charge for the new checks. This caus  ed my account to go belo w 0 .  On  XXXX   XXXX , my employer attempted to deposit my paycheck, however the new account was closed. I NEVER received notice that the account was going to be closed.     A fter 20 minutes on a customer service call to India?, I was told that the new account was closed, and that my paycheck was never deposited. I called back and spoke to another customer service rep for an additional 45 minutes who told  me that the reason my new account was " rejecting '' the deposit was due to the name on the check not matching the name on the account- being my initials and not my full name. This is odd since I 've been deposit  ing my check with Chase for 17 years. They could have just looked at last month 's check, if that was the case. But it was n't.
The real problem is that they used up all of my money on fees and checks, then closed my account before my employer had a chance to switch the account numbers (  beyond my control ). Now, it will take my employer another 2 months to change account numbers and I 'm back at square one. I have checks that are no good since the account is closed, a paycheck with no account to   go into, and I 've lost about {$50.00} in fees.     I want the new account reopened, immediately. I do not want to open another new account, order new checks, and hav e the same thing happen again due to the lapse in timing between my employer and the bank. I have been with Chase for 25 years, I have multiple credit cards with Chase, and I have family members with Chase. If I find out that this also negatively affected my credit, I will never use this bank again.