davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I submitted an IDR renewal application to Navient on XX/XX/XXXX. I received an email from Navient on XX/XX/XXXX confirming that my renewal application had been approved. I believed that the issue was resolved at that point, but I received an email from Navient on XX/XX/XXXX stating that I had not submitted an IDR renewal application, and that my payment would be raised. I called Navient on XX/XX/XXXX, and spoke with " XXXX, '' who gave his employee identification number as XXXX. He told me that it appeared that the application had only been processed for part of my loan. He told me that he put in a request to the department responsible for processing the IDR requests, and that it would respond by XX/XX/XXXX. I'm going to either have to request a forbearance, or pay the higher amount. Either way, it costs me more money. This exact situation already occurred last year, and I ended up having to call three times after reaching this point in the process, before the third customer service representative finally took some sort of action that got results. They offer no sort of ticket number to follow up on their customer service problems, so each time I call, I have to start from the beginning with a new person. I have lost patience with Navient 's sloppy work, and I'm tired of having to jump through hoops to get them to fix their own mistakes.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (GA)

I was a victim of several cases of identity theft now I can not open a bank account because I am part of the XXXX XXXX XXXX I need to get this matter resolved immediately it is affecting my business and financial life drastically
Consumer complaint received 2019-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

Months ago, I lost my credit caard and the account was closed. A new card was issued. Discover advised I overpaid the first card XXXX. They advised they would send me {$60.00} refund. It never arrived, so I called them. They said they will send me a new refund check. 

I was out of town, and upon return, finally I received the one check from Discover to XXXX XXXX XXXX for {$60.00} issued XX/XX/XXXX. routing XXXX check XXXX # XXXX in top right corner it states XXXX under corner states : XX/XX/XXXX I deposited the {$60.00} in my XXXX XXXX   account XXXX on XX/XX/XXXX the check was received by XXXX XXXX. 
On XX/XX/XXXX by US post gave me an envelope from XXXX XXXX  stating STOP PAYMENT Return reason : stop payment. Internal seq # XXXX Deposit date XX/XX/XXXX I phoned XX/XX/XXXX and three personnel answered, but the first couple were clueless of what to do. The supervisor XXXX in customer service in XXXX Arizona, team number XXXX advised the stop was because I called to advise I neer received the check. 
I contest, that yes, the first check was never received, so OK, to stop it, but the agreed to then send me a new check. 
SO, this is the replacement check, and it should have funds. 
BUT IT HAD NO FUNDS< because Discover had also put a stop to it. 
I never received any other {$60.00} refund Now, XXXX charged me {$12.00} return check fee. 
I asked XXXX to a ) send me the {$60.00} again, or b ) deposit it in my DISCOVER CARD account, so It goes directly to my card, and reduces my card by {$60.00}, but he said he can only send a new check. 
I asked to please refund the {$12.00}, as this was the check that they promised to send, and when I received it, I trusted it had no stop payment to it XXXX refused to refund the {$13.00}, and when I was irate, he told me he won.t send me the refund OR the additional {$12.00} and proceeded to hung up. 

I hereby request they refund my {$60.00} or put it back in my credit card, PLUS refund me the {$12.00} they uncured me because they did send me a new check, but this one too was stopped. I never got any other prior or after, so this is the only one I received, and trusted their word that they would send me my refund WITHOUT a stop payment, but they don't care, and they are rude and hang up instead.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-12
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

In XX/XX/2018 I noticed around {$26000.00} of fraud on my HSBC credit card - mostly at two stores in a different state over a two day period. I was surprised that HSBC didn't flag this as fraud, so I called them to report it. 

A few days after reporting it HSBC had closed the account and opened a new credit card. They produced a statement on the old account showing the large balance with a due date just a few days later. I was advised to ignore the statement, but was annoyed at getting a statement that said it required payment so soon. Unsettling that the paperwork from the bank said one thing and the staff said another. I made several phone calls about this and to request updates about the investigation. HSBC Premier advertise a 24/7 customer service number but outside XXXX they aren't really able to answer this type of question. 

HSBC report a credit score on statements. During the fraud investigation they were reporting a significantly lower score on my statements which was concerning as it was flagged as being caused by " large balance '' ( the fraud amount ). They were not able to satisfactorily explain this or explain why the score they reported had changed significantly whereas the score from other sources ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) had actually not changed. 

By the end of XXXX I received a letter saying the issue was resolved and that I did not owe the money. I also received a statement for the old account with the full balance on the statement but with a minimum payment due of {$0.00}. 

A month and a half later on XX/XX/XXXX I received another statement but this time is said I had a past due amount of around {$500.00} despite the prior statement saying no payment was due. I called the 24/7 premier customer service at HSBC but they were not able to help although they did suggest calling during XXXX Mon-Fri. 

I asked about their complaints procedure and was transferred to a manager who took down some notes. I asked when I would receive a response and he responded by saying that HSBC do not respond to customer complaints. I asked if there was a mailing address I could write to and was told no. I asked if there is any way of escalating a complaint - he suggested the better business bureaux and he said there was no federal complaints process for financial companies. 

My issues with HSBC : 1 ) Incorrect statements continued to be generated after resolution of fraud - amount, past due amount, due date, credit score and reason. Advice was often to ignore the statement ( not really acceptable - would prefer it to be corrected or answered in writing ) 2 ) According to the manager I spoke with : HSBC do not have a way for someone to log a complaint and get a response. 
3 ) HSBC failed to advise me of CFPB when I directly asked about government or regulatory complaint procedures 4 ) Failed to spot fraud
Consumer complaint received 2018-12-12
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. (CA)

I DISPUTED A BANRUPTCY LISTING ON MY CREDIT REPORT WITH TRANSUNION .I RECIEVED A RESPONSE BACK FROM TRANSUNION STATING THAT THEY VERIFIED THE BANKRUPTCY WITH THE BANKRUPTCY COURT .I CONTACTED THE BANKRUPTCY CLERK AND WAS TOLD THAT THE COURTS DO NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST A THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF .SEE ATTACHED LETTER.TRANSUNION PROVIDED NO INFORMATION ON WHO VERIFIED THE LISTING. THE ONLY THING TRANSUNION DID WAS LIST THE ADDRESS OF THE BANKRUPTCY COURT AS VERIFICATION. TRANSUNION HAS VIOLATED NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT. THE LISTING IN QUESTION IS BANKRUPTCY ( XXXX )
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I've contacted XXXX XXXX servicing regarding incorrect information in in XXXX, XXXX, XXXX, XXXX, XXXX, many times in XXXX, XXXX, and more recently on XX/XX/XXXX. I've sent receipts detailing the mortgage pay-off ( {$180000.00} ) and yet they are still reporting that I owe money in the sum of {$3300.00}. This is inaccurate and I have also provided the receipt to Equifax along with other legal artifacts demonstrating exceedingly beyond a reasonable doubt that the debt has be satisfactorily met and that any reports depicting the contrary are fraudulent claims. 
My concerns have been elevated to the highest level of government in the state yet these issues persist. These are deliberate attempts damage my credit worthiness and are illegal practices.
Consumer complaint received 2018-12-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

Please see the attached documents. 

Western Union processed roughly 70,000 HKD for at least one individual who was illegally XXXX XXXX XXXX from XXXX to XXXX XXXX and XXXX  XXXX. 

Here is the link showing the arrest : XXXX XXXX XXXXXXXX You can see the attached documents showing the transaction receipts illustrating Western Union processed roughly 70,000 HKD in transactions that were the direct result of XXXX XXXX. 

These activities are quiet concerning and appear to be in violation to what WU has promised to its shareholders, the USDOJ, and the NYDOJ.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC (OR)

XX/XX/XXXX : I received ANOTHER notice from my employer about my wages being garnished from said company. I had already been previously garnished from them about 3 months before. The debt from before was approximately {$1600.00}. The new amount being garnished is now over {$500.00}. I called and asked for the name of the company seeking payment and dates from when this was owed. I have been divorced since about XX/XX/XXXX and we had an agreement to split out debt. This was from XX/XX/XXXX!!! I am sure the other debt was even older than that. I recently discovered that Oregon has a statute of limitations on debt ( 6 years ) and of course, I am concerned because maybe 10 years can go by and maybe they contact me again about some other debt or they are soliciting companies that I owe debt with and they have a " standing judgment order '' that I do not know about?
Consumer complaint received 2019-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (SC)

A company by the name of Receivable Management Group located in XXXX GA has placed a negative and possibly false derogatory mark on my credit report in the amount of {$150.00}. I have tried COUNTLESS times to get a hold of the company with zero response from them. I have no idea where this came from much less what its for. I have not received a letter in the mail, an email or even a phone call from this company attempting to let me know about this " debt '' I owe. At this point, i am stuck. I have filed a claim with the XXXX  as well in regards to this issue. 

The website they have has so many negative reviews i am not sure how they are a business. I will link the website to the agency below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly hope this is enough information with my case. 

Thanks, XXXX XXXX
Consumer complaint received 2018-12-12
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: WELLS FARGO & COMPANY (CA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO DEALER SVC XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO DEALER SVC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CA)

I was on a disaster forbearance through the end of XX/XX/2018, for the Thomas Fires in XX/XX/2018. The servicer had a scheduled sale date of XX/XX/18, I called & reminded them I was under disaster forbearance protection & they moved the sale date to XX/XX/18. On XX/XX/18 the president declared my area a disaster area once again, for the Woosley Fires. I immediately contacted Seterus &  advised them that I needed to apply for another disaster forbearance for the current fire disaster. I was told that the request was submitted & that the sale date would be postponed. I was following up w seterus on XX/XX/18, when I found out that the sale date was not pushed & there was no record of my disaster forbearance request. I was told that I would need to submit a Mortgage Assistance Application to be reviewed for the disaster forbearance. I was previously told that under in a disaster situation, the request could be submitted over the phone in order to expedite-however, now I needed to submit the application. I did so on the same day. I am worried that there will not be enough time to postpone the sale & review for disaster forbearance.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

ON XXXX XXXX I sold my boat to XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX. He paid {$9900.00}. by wire transfer from XXXX XXXX to my bank TD Bank. On XX/XX/XXXX TD Bank debited or reversed the wire transfer to my account {$9900.00} indicating XXXX never received the boat. TD Bank Seized over {$160000.00} in this process and has yet to return my {$9900.00}. I have been trying to get my money back for a week now and TD Bank is holding it. My phone number is XXXX my name is XXXX TD Bank Investigator XXXX XXXX XXXX is responsible for reversing the {$9900.00} electronic transfer from XXXX XXXX to me.
Consumer complaint received 2018-04-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NC)

Re Loan from Citi Financial I am trying to get a reversal of my loan terms date which was changed from 15 years maturity of XXXX to 30 years without authorization or documentation. On XX/XX/XXXX, I asked for a decrease in my interest rate and was given an extension of my loan terms date to reduce payment amount which I never saw or signed. Please see supportive document uploaded.. 

I did not find out about the extension until a telephone customer service told me the terms years later. The loan has been sold several times and is now with XXXX XXXX XXXX. 

I realized that I was wrongfully harmed by this loan, and sought legal actions through 2 attorney. ( See attached documents ) My attorney did not fight for me in this process after being paid. Only a letter was sent and no rebuttal to CitiFinancial 's refusal to change the terms. Note, I had a previous attorney who only sent a letter but got no response from CitiFinacial. I was not aware of a Federal office for filing a complaint. 

The terms offered by Citi in XXXX stated was not in my favor because it contained a stipulation where I could even miss one payment. 

I am seeking to reverse the terms of this loan and recoup the damages that were done me. I would like a settlement of the loan terms with adjustments of interest back to the 15 year term. I would like damages paid for all loses I would like to know if the statue of limitations is still in effect for filing an individual suit if this is necessary. 

Is there a Statue of Limitations to file a Class Action suit to benefit others who might have been wronged. If so, what is the Statue of Limitations for the class. 

I would also like to know if I can currently sell my house and still file a legal action and seek recovery of losses. 

Thank you for your attention. Please email me at XXXX. 
This is my work email as I am also an owner in this company. My phone number is Work : XXXX and mobile is XXXX. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-04-24
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX  XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is  complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.