davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (CT)

This is now my second complaint against Halsted Financial Services. Four days ago I submitted a complaint ( XXXX-XXXX ) for repeated phone calls, despite my many requests for the calls to stop. Halsted responded to this complaint two days ago and said they did not have any information on me and verified my number has been removed. Unfortunately, the calls continue. When asking who the caller was from, some told me they worked for Halsted and others were hesitant to disclose their company name and just said " a financial institution. '' I have asked repeated times for them to stop calling. I assume they're a debt collector, however all of my accounts are current. All of these calls have a caller ID starting with XXXX.
Consumer complaint received 2018-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX declined me,XXXX fcra, same job XXXX years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..
Consumer complaint received 2018-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (FL)

On XX/XX/18 XXXX XXXX ( Account Manager ) on XXXX XXXX contacted my boyfriend 's step-mother, claiming that I had her as a contact on my student loan. This is completely fraudulent. I do not have XXXX XXXX as my contact. I am unsure as to how they obtained XXXX XXXX 's information, given that I do not have her phone number, and neither does my boyfriend. Imagine how surprised we were to receive a phone call from my boyfriend 's father that XXXX XXXX was illegally and fraudulently contacting someone regarding sensitive financial situation. https : //www.ftc.gov/XXXX. I have attached the federal rules and regulations regarding debt collection, since XXXX XXXX claims they re not a debt collector, I want XXXX XXXX to pay close attention to the definition of a debt collector. Additionally, I want them to see how they are violating various laws by contacting and sharing financial information with those unauthorized to receive it, " false or misleading representations ( 10 ). '' I have a copy of the audio file sent to Mrs. XXXX from XXXX XXXX. I also have a copy of my promissory note that states the two people authorized to receive my financial information.
Consumer complaint received 2019-05-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (PA)

Many times since XX/XX/XXXX loan off forbearance and due to various messages and harassing phone calls to me and co-signer who is my mother we are not being heard. No options to repay loans at lower amount or release my mother as co-signer. She is on XXXX for last several years and has had many medical issues which are ongoing. During time loans were taken out my father also passed away and loans were based on his income. This has all been relayed to Discover Student Loans and asked to stop calls, etc. which have still not stopped. I offered to pay about {$50.00} each month, but they are not happy with this. Loan apparently is listed at default now. 
Will not see if hardships or changes can be made and state they do not do this for anyone. Mentioned what if someone sick or dies and would not answer this question. Even when I called XX/XX/XXXX and others times and mother XX/XX/XXXX, XX/XX/XXXX. Started calling XX/XX/XXXX to resolve or get help. 
Feel they are using this tactic to threaten us. I can not get by with all my other bills to pay the monthly bill. Put this in writing asked asked to handle by higher up department or CEO and they would not confirm who has read the letter.
Consumer complaint received 2019-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I purchased tickets through XXXX post to a XXXX user XXXX XXXX email address XXXX. The transaction took place on XX/XX/XXXX at XXXX. I used my XXXX account that was linked to XXXX. I sent {$130.00} for 3 tickets. The seller has since vanished. XXXX has said they aren't responsible to protect users against fraud. XXXX should have fraud protection in place if they are promoting this as a bank backed app.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My only phone number is XXXX XXXX. You have it deleted on my credit report. 
Also i am retired and you deleted that as well. 
I have been undergoing horrible identity theft since XX/XX/2014. 

They know my ss # everything Please fix the two things on my credit report.
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I was charged a {$10.00} Cash Equivalent Transaction fee for a {$11.00} purchase I made in XXXX. I called the bank to have this charge removed but I was told it was billed as a cash advance by the merchant and that it was not possible to refund the fee. I believe that this fee was charged by BoA so I don't see why they can't correct it. I did not use my credit card to withdraw cash and as a consumer, it is not my job to know how transactions are coded between the merchant and the credit card issuer.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

after running my credit report I noticed that the navient company had not properly reported or recorded my loan being in forbearance, instead they recorded it as being late for several months for almost a year, after having this loan for almost ten years any time that I was having financial issues I would simply request a forbearance or deferment that was never contested and always approved, the company investigated and came back saying the info was accurate. at the time I requested the forbearance I was informed that the call was monitored and recorded. so there should be record of my request and a re-investgation should be done for the phone records to let the record show that I in fact did request the forbaerance acct # XXXX
Consumer complaint received 2018-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (OK)

I purchased a car from car max. My credit is not the best and I was prepared to pay a higher interest percentage. I am a widow with XXXX children working two jobs. I receive survivor benefits on a card provided to me by the SSA. My payment is 16 days late and I am receiving calls three times a day to collect payment. I tried to pay my payment and was informed they can't try to enter a payment from a pre paid card until it is 30 days late. after they report it to the credit bureau. I can't set up recurring payments off my pre paid card either. I was informed that upon entering my payment two different ways their system was not taking it and to avoid them reporting my non payment I could drive 45 min to the store every month and pay it or pay 12 to 20 dollars to go wire it from XXXX XXXX each month in my spare time and if these options didn't work for me I could bring the car to them and they would report voluntary repossession to the credit bureaus and sell my car at an auction and I would be responsible for the rest. I again tried to explain to them I did not have a problem paying my bill and I would be happy for them to deduct automatically. I was informed that because the options I was offered I should bring the car back and as a curtsey they would sell it at an auction and that would get me out of my payment. I was never informed in any way that unless I paid my payment exactly how they wanted me to they would not even attempt to take a different payment method until it was 30 days past due. I repeatedly asked to speak to a manager above the one I was speaking to and by the third person I had reached the top. I asked if there was some type of record I could have of our conversation and was informed she would file a written complaint to her boss. I was informed I could go refinance it somewhere that took prepaid cards because they didn't and that I had the reaming 14 days left on my statement to figure it out or it would be reported to the credit bureau.
Consumer complaint received 2018-09-15
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. (IL)

XXXX XXXX XXXX sent me a letter in response to my dispute regarding the validity of this account XXXX, ALSO two other accounts they have on file with the acct # shown as XXXX, but they sent me a bill WHICH IS NOT VALIDATION AND ONLY VERIFICATION OF AN ACCOUNT, addressed to an address that I have never resided as highlighted on my city of XXXX police department report ( attached ). also attached is the FTC report, and my 2016 tax returns showing my address at the time this account was created please remove this account from my credit report and correct the record, as I have sent several request and followed the law in providing this ID theft packet, which was also sent via certified mail with a return acknowledgement of receipt on your part.
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (PA)

I sent out XXXX letters to Experian this first was investigate an account that was in error on XX/XX/XXXX. Got a response by email that no changes where made and the account was verified. So i sent a follow up letter requesting the method of verification on XX/XX/XXXX. I did not get a method of verification only that it has been verified and no changes where made.
Consumer complaint received 2018-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (SC)

Hello We are in desperate need of help with our mortgage servicer. The name of the company is Seterus. We feel this company continue to treat their clients unfairly. They have continued to do so, because no one is holding them accountable. If you look at their reviews from every site, the reviews are terrible and the stories are very sad. This company places your funds into an suspense account and make up ridiculous fees in order to apply the funds to it. They keep applying an NSF fee, which we took care of months ago. Then there is property inspection fees even when your loan is current. They also state the loan is past due or not current, it's like when you pay the amount they say is due, they find ways to say even more funds are needed. We have called several times to get an explanation of fees and how they apply extra funds. Each and every time, the call last at least an hour. The representatives have never been able to give us a clear explanation of fees/overages. They place you on hold for extended periods of time then transfer you to another rep, who is unable to explain fees or answer questions. 
[ We have spent months looking at their reviews and again, it breaks my heart how this company is behaving. This prompt me to file a XXXX case, which is still somewhat open. Seterus response was that they are not doing anything unethical ... ... Even the report they provided is unclear regarding fees. A customer relations rep, XXXX XXXX responded to XXXX, denying allegations. My response back to XXXX, was why should we believe her, when her voicemail greeting states she will be back in the office on XX/XX/XXXX, we are currently inXX/XX/2018. Why haven't her manager held her accountable regarding voicemail greeting. After bringing it to the XXXX attention, Ms. XXXX updated her voicemail greeting, but I was able to allow several people to listen to voicemail greeting as proof. We even told the company they could possibly feel the wraft of government officials and appear before XXXX XXXX, but they continue to deceive customers. 
Again, we know you along with your staff is very very very busy, but please please please help us with this matter. If you can not help, please please please point us in the right direction to get some help for us and many others being BULLIED by this company. 
Thank you
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have attempted to download a copy several times to send the sites will not allow me to. I have disputed this on all three. I recently mailed a copy to all 3 credit reporting bureaus to update. My debt should reflect {$22000.00} minus the loans that are paid in full that should be reflected as 3-4 months ago this is defamatory and derogatory to my character.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDU Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXG Account # XXXX, XXXX 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 2018-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Between XX/XX/XXXX and XX/XX/XXXX, this account was removed from my Transunion Credit Report as well as my XXXX  Credit Report due to being established through identity theft. This account who should have blocked upon Transunion and XXXX receiving a copy of a Police Report listing this account as Fraud. Instead the previous collection agency sold the debt to XXXX XXXX XXXX XXXX  which is now reappearing on my Transunion and XXXX  Credit Report. Both Transunion and XXXX  are in violation under the Fair Credit Report section, 605 ( b ) by having this item reappearing on my credit report.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I don't recall having a contractual relationship with this collection company FAIR COLLECTIONS & OUT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

Attempted to sign into coinbase account but locked out due to 2-factor identification. When attempting to verify identity the identification process required access to device that was damaged ( which was also causing me to be unable to 2-factor identify ). Emailed coinbase customer support but was not given a method to verify identity and log into account without the damaged device. Was unable to be fixed in one year - attempted to resubmit a new ticket via coinbase website however submissions always time out.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Total Card, Inc. (SC)

I am reaching out with some issues I have been unsuccessful with resolving from the creditor. I had some financial issues and fell short on paying my credit card bill. I contacted  XXXX  and a representative from the office told me to make my {$37.00} minimum payment in  XXXX  so that the account would n't charge off. I made that payment and have proof. I received a bill in the mail and on the bill it stated that I could call in to get a settlement or set arrangements to pay the balance. I first logged on to  XXXX  to make a payment and was unable to log in to make a payment. I contacted the company to make a payment as well as arrangements so that my account would n't charge off and they said they could n't access my account and that i needed to be sent to another department. The other department gave me the runarounds. No one was able to take my payment, unable to grant access online.  XXXX  came and they tell me my account is charged off because I have n't made a payment in 5 months which clearly I made the minimum in  XXXX . I was unable to pay by phone or my usual route online. The rep stated if I sent payment by mail it would be sent back. Today  XXXX / XXXX /   17  I called and come to find out the website is now updated to  XXXX . The whole time this was changed and no one informed to tell me so that my payment could get charged off. This has a negative affect on my credit. I have contacted the company they gave me the settlement amount and will not take out of charged off status because of there wrong doing. I am reaching out before for help before I look into litigation. I want to make my payment and I want this account to either be taken out of charge off status or removed from my credit for there wrong doing.
Consumer complaint received 2018-09-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (MD)

I refinanced my house in XX/XX/XXXX. When we did, our mortgage broker used SunTrust Mortgage. The mortgage, which was a traditional 30-year fixed rate mortgage, did not allow us to get traditional coupons or monthly statements, and instead required an online payment. We visited a SunTrust to set up the process so that we could make payments to the mortgage electronically when we wanted because we did not want to transfer all of our existing banking to SunTrust bank. The XXXX, MD branch of SunTrust helped us, and apparently - although now we have come to understand they did not providing us all the information - set up an account to permit that XXXX XXXX XXXX banking ). I have come to learn in the past few weeks that the account requires a balance of {$10000.00} to avoid fees, or a mortgage with auto pay. Since we had the latter it was set up. It was not explained that how the account worked because the bank was focused on the mortgage and the refinance, not the bank account. All online accounts were via the mortgage account. There was never any communication from SunTrust about this bank account because it was simply to pay the mortgage. We checked mortgage information and such through the online portal. There was no link to the checking account that we knew about. There was always a buffer of several hundred dollars in the account. When we sold the house and moved in XXXX, we opened a mortgage with another bank. Suntrust, without any warning, email, phone calls, or any follow ups began charging $ XXXX. They continue to do so to this day, saying they gave notice in the account materials to open the online accounts. The internal regulations and procedures mean that we are liable for the deducted $ XXXX fees. They have been unwilling to refund them, though the branch I visited to get this appeal process within the bank started called the process shameless and gave me as much as they could. I filed an appeal. I was given {$34.00}. The branch ( which was the branch that gave me all the documents on the now grandfathered account type XXXX had refunded {$68.00}. The total charged was {$660.00}. I would like to get all the fees back, but the bank has been unapologetic for their approach, even though the mortgage portal and banking portal were not the same website. I have never worked with any bank - large or small- that simply does not follow up in any way when those types of circumstances change. I closed the mortgage, I still have a credit card ( though not for long ). In any event, the bank was clearly deceptive in how in how it approached the situation. It could have followed up. But they say they never follow up unless there is fraud. I highly doubt that - my other bank ( which is a similar commercial bank ) does. I do not know if the problem was in the branch or the corporate - but I should not be the one who bears the cost of their incompetence.
Consumer complaint received 2022-03-12
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. (PA)

ALLEGED CREDITORS POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the 3 major Credit Bureaus XXXX XXXX, Experian or XXXX ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I have provided all my current financial information to the lender and they keep asking me about a job I no longer have! They have removed me from review for no reason and we have already contacted their office within the last month over 8 times advising they have incorrect information Thank you!