davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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)

Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2019-10-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To who may concerns this is happen on XX/XX/2019 i had made a reservation online through XXXX dated for XX/XX/2019 i purchased two tickets with XXXX XXXX for my parents coming from XXXX XXXX to XXXX XXXX ca the layover on both ticket were only 3:05hrs and than all of the sudden after purchasing both tickets i got an email from XXXX says XXXX change the layover to 13hrs instead of 3:05hrs so i called XXXX to ask them what happend i got the answer back those changes were made from XXXX   XXXX  and XXXX  only third party i was on the phone with XXXX  for about 4hrs trying to find a solution after going back and forth i request a refund for my transaction i was told from XXXX representative they are unable to refund the transaction they have to reach out to XXXX XXXX which they did and XXXX XXXX refused to reverse the transaction so i went and called my credit card merchant services XX/XX/2019 i requested dispute i got the transaction refunded and i went and reserved another ticket through XXXX XXXX dated on XX/XX/2019 so my parents did not traveled on XX/XX/2019 with XXXX XXXX they went on XXXX XXXX instead after that i received a letter from my merchant services on XX/XX/2019 says that i need respond on by XX/XX/2019 and send the evidence of what happens which i did mail it back XXXX  and i wrote statement stated the whole situation and a copy of both tickets as an evidence that my parents did not travel with XXXX XXXX merchant services they mailed me back a letter saying they are unable resolve this matter and they wont be able to reopen the case anymore because their claiming that they received the evidence very late which is not my fault iv got late respond from them now if i disputed the transaction because it's my right i spoke with XXXX bank of america representative she mentioned to me no body worked on my case i got charge back and i don't see it right i really need your help please immediately because i tried to reach back to bank of america merchant services they keep me on hold for a long time till the line hangs up by it self my case number XXXX sincerely XXXX XXXX the fair resolution for this matter i should not be getting charge back because as a consumer i did what i spouse to do i had give them enough time i reported the transaction before the travel date to take action but unfortunately no body worked on my case that i reported to bank of america merchant services if i was advised from the bank of america credit card representative that they were unable to protect their clients from XXXX XXXX scams i would never went and reserved another tickets with different airlines
Consumer complaint received 2019-10-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AZ)

XXXX XXXX along with Convergent Outsourcing. Has stated that i owe {$1100.00} as of XXXX. I had their service in XX/XX/XXXX. All equipment was turned in. Spoke to XXXX Monday. They said that even though the equipment was turned in i still owe {$1100.00} and since the account went to collections. I was charged an additional {$350.00}
Consumer complaint received 2019-10-16
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. (FL)

I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name XXXX XXXX Account XXXX XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} 6.Account Name XXXX XXXX XXXX Account XXXX XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY ()

XX/XX/2020- Purchased American Express prepaid card from XXXX in XXXX XXXX Va. Card said it would automatically activate once used. 
Called customer service and asked if I could use overseas. They said yes. Time of call to customer service was XXXX eastern standard time. 
XX/XX/2020-attempted to make a purchase online for travel authority at XXXX. Purchase was declined. 
XX/XX/2020-attempted to make purchases in XXXX XXXX. Card was declined 8 times. Called customer service. They charged me a XXXX maintenance fee, made me give social security number, address, phone number, etc. To register the card even though the card said when purchased, that I didn't have to register it. Stayed on the phone from XXXX to XXXX. Results were that they cancelled my card and mailed a new one to an address I no longer live at. I asked what was I supposed to do? Customer service told me that I would have to wait. I had someone go by the post office daily. They got it. Paid money to send it to XXXX. I get it and try to use it. Declined. Call customer service to register it, again. They say card is activated. Try to use ATM in XXXX, per request of Customer Service. It declined. I contacted XXXX from XXXX via American Express and she told me that there is nothing I can do and they will take fees out monthly until the card closes and I will not get any of my money back. XXXX is the highest supervisor that anyone would let me talk to and she said her boss doesn't deal with customers. I can not attach documents. I'm over seas and do not have access to my money via American Express so I can't use a computer. This isfrom my phone and attatched to someones wifi
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I notice an unauthorized charge on my account for {$2600.00} on XX/XX/2019. I immediately put my card on hold and went to Bank of America located on XXXX XXXX and XXXX XXXX in XXXX, FL. The told me there was nothing they can do until the payment post, to not worry about it that I was 100 % protect and I would have my funds back in my account immediately. They have me a temporary card, but they cancelled the wrong card. Its been 16 days and I still have no ATM/ debit card to access my account, Ive had to transfer funds from one account to another which is very inconvenient. My ATM card has be flagged 3 times in the last 2 weeks where my purchases are declined. Last time being today at a XXXX gas station for {$2.00} yet they did not flag my account for or decline a transaction for {$2600.00}, are you kidding me? Claims department sent me a letter dated XX/XX/2019 that my dispute was being canceled at my request, this is false never cancelled this claim, on day later I get a letter dated XX/XX/2019 stating that theyre investigation has been completed and they are not refunding my funds, completed in less than a week from the date complaint was filed on XX/XX/2019 really? They investigated this claim in 3 days. I had the claim reinstated on XX/XX/2019 and fax documentation that this debt was sold to a collection agency prior to sprint making an unauthorized withdrawal from my account, for 70 % of the debt. This transaction should have been flag and declined by the bank, never had Ive made a transaction this big on my account.
Consumer complaint received 2019-10-16
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)

I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name XXXX XXXX Account # -XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # 4XXXX {$580.00} 6.Account Name XXXX XXXX XXXX Account # XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried opening a bank of America account and was told I could not and had to call this 800 # to BOA when I called I was told I could never open an account with BOA because of an account that was closed in XX/XX/2006 by loss prevention I don't even remember having a accounts with bank of America they could not give me a reason why the account was closed or any details as to what happened. The girl got really short with me and just kept on saying " sorry you can't ever open an account '' if this was a fraudulent account should I not have the right to get more than just being band for life from a bank. are they discriminating against me because I'm XXXX or none American born.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (HI)

I received a promotional offer from CitiAAdvantage that if I opened an account and charged {$3000.00} within the first 3 months I would receive XXXX award miles to my XXXX XXXX AAdvantage account. 

I charged the required {$3000.00} within the 90 day period, but never received the bonus miles. When I called the company to inquire when my Bonus miles would be credited, I was told I was ineligible to receive the XXXX bonus miles because I had a prior account, which was closed, within 24 months of opening this account. The company refused over the phone and sent a follow up notice stating they would not award the miles due to the previous ( long closed ) account. 

If I was ineligible for the bonus miles, the company should have advised me of that fact. Instead, they conducted a bait and switch by opening the account that I thought would earn XXXX bonus miles, only to tell me after I charged the required amount I was ineligible. This is patently false advertising.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

We initiated an application to refinance the loan on our investment property ( aka, the family home we were unable to sell during the financial crisis and had to make a rental to avoid foreclosure ). We initiated the application with Loan Depot, LLC ; the application is still in process but nearing completion. Loan Depot changed the Mortgagee Insured on our property 's insurance policy, removing the existing Mortgagee, prior to completion of the loan application, prior to closing, and prior to having any financial risk that was appropriate to insure. The existing mortgagee has been deprived on its rightful place and coverage, and will likely initiate forced-place insurance to cover this change. This forced place insurance we will have to pay for, at greatly increased rates, without regard to the existing insurance that we have paid for. Loan Depot had no authorization to make this change, did not communicate this, and did not request permission from us. Loan Depot 's response to our objection is 'this is just something we do, we want to get things rolling early '. I am deeply concerned that they do this as an SOP and that this is not a human error but a conscious and consistent policy. This was so stated by the Loan Depot representative when challenged on why this was done. They are risking injury to us, to our mortgagee, and all consumers who use them along with their mortgagees, when they alter existing financial contracts prior to completing the mortgage process at a formal closing. What happens in the interim when there is an insurable loss at the property and the mortgagee is NOT named on the policy, but Loan Depot is? Loan Depot has no business being insured prior to closing and has no business removing our existing mortgagee from our insure prior to Closing.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hi i disputed these items to XXXX equifax and XXXX  and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX acctnXXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/XXXX
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

I do not know anything about the monies i owe. it was on my credit report. I wrote a letter to company asking them to send me a validation or any contracts i have signed. They did not send me anything but still reported me to the credit reporting companies.
Consumer complaint received 2015-07-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WI)

American Education Services is scamming XXXX of Americans out of their hard earned money. First let me say that none of my student loans were ever explained to me by my financial aid offices at the University XXXX at XXXX, University XXXX at XXXX, University XXXX XXXX or XXXX XXXX University. I was told that these were the only means of financing my education and that everyone had loans because the loan repayments were so easy and the cost to borrow the money was so cheap. Now I am riddled with student loan debt I do not understand. My federal loans seem to work just fine, I have set them up on automatic payments and I can see each month that the principal is reduced. My private loans, XXXX from AES specifically, are a much different story. AES has returned my payments on several occasions XXXX weeks after the payment was made and told me that my checking account does not exist just so that they can charge me a late fee, I resubmitted the same information about my account to them and the payments was processed without any issues but with the added late fee. My principal balance is XXXX times the amount that I borrowed XXXX years ago and they are applying 100 % of my payments to interest only despite that fact that I am not on an interest only repayment plan. I sent them a message through their email service in XXXX asking them why this was happening and I was told that I had made my last interest only payment that month ( extremely convenient ) and that my future payments would go towards my principal but alas even today my payments are being applied only to interest on my loans which never seems to go down. I took out approximately {$44000.00} from them around 8 years ago and today my balance is over {$65000.00} despite me paying over {$500.00} a month. In addition they purchased my loan from XXXX and despite paying nearly {$900.00} this year on that loan only {$110.00} has been applied to the principal. At this rate I will never pay off these loans, I will have a payment for the rest of my life. There is no light at the end of the tunnel with this company, they are not honest or they are incompetent but either way they need to be stopped. Knowing that I will never stop paying them as long as I live and knowing that because of the federal protection this bank receives on their private student loans I will not be able to rid myself of this bad debt in my lifetime, I am hopeless. I will spend the rest of my life handing over {$6000.00} a year ( that means I have to make {$12000.00} just to pay them off ) to an immoral company who is being protected by the same government who already takes a XXXX of every dollar I make. You have created this website to give people a voice and I suspect that this is all this website is intended to do by letting people write down their terrible experiences and feel like they have been heard. I am submitting this assuming that nothing will ever be done to this company and that should let you know how desperate I am.
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

I have a XXXX XXXX  student loan of about {$3500.00} most of it is penalties and interests I am not working I'm a XXXX patient I've told them I didn't have the money year after year they keep sending me and put me in collections putting it on my credit report this long should have been given in XXXX of 2020 when President Trump gave the approval we still supposed to be in the pandemic at this time and they're still calling and and turning me in late to the credit bureau nail that has created a problem for several people I've read I've seen the news they should be reprimanded and taken out of business because they are not a credible source for collecting debt in my words please stop nailing it and I was my loan was supposed to be forgiven. They are like some debt collectors that I've never seen before in my days of living they know that this is a pandemic and people are going through a lot right now and they continue to hit your credit report they've hit my credit report several times I asked him to clean it they don't want to clean it I think something should be done from through the government about Nelnet too many people have turned their net in please let me know what you find out thank you XXXX XXXX XXXX
Consumer complaint received 2017-03-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Merchants Acceptance Corp (OK)

- Received 4 or 5 phone calls, one after the other, after XXXX on a Saturday, after we asked them to stop calling at that time so we could get our kids to sleep - Called me at my job after asking them not to - Harrassed and cussed at my husband after XXXX in the XXXX. My husband is a XXXX veteran in XXXX. 

- Were told we would be arrested for not paying
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DC)

In XX/XX/2023, I opened a new PayPal account under the XXXX XXXX for the express purposes of transferring USD to Kenyan Shillings while I was vacationing in XXXX. Almost immediately, PayPal suspended my ability to transfer funds. They then indicated that they would be holding my remaining funds ( {$50.00} USD ) for 180 days at which point they would provide instructions on how I could withdraw my funds. These instructions never came. Additionally, when I log into the above referenced PayPal account now, I see a message indicating the account has been permanently disabled and that I can not do any further business with PayPal on this account.

I do not have the ability to contact PayPals customer support team because there is no option to do so from within the account. Additionally, I do not have the option to add a bank account, debit or credit card to withdraw the remaining funds to. PayPal has essentially stolen my money and prevented me from contacting them to resolve, which is what led to this complaint.
Consumer complaint received 2020-02-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (PA)

This loan is called ocwean and they recently changed their name to phh loan. My home burnt down a year and a half ago my insurance company sent me 2 different checks For my contents and value of my home. I sent ocwean a check from XXXX that was the exact amount to pay this loan off and close the account for good. They kept insisting that I needed to have a Affidavit. So 3 different times we have mailed it back with the pay off signed and notarized and they kept saying it was sent back to late but we sent them out the day of or day after it came to our house we even had them fax it to my attorney and ocwean told us to fax take 24-48 hours and my attorney didnt receive it until a week and a half later and they notarized it that day we signed it and they faxed it back still, the check they have cashed which was from XXXX  and my adjuster told me they cash it & they have it sitting in a escrow account and wont release the funds to pay the loan off, now they have charged me up to XXXX and are trying to foreclose on my property that my new home is being built. I have called them over 50 times and they cant answer my questions, or they hang up on me or just keep transferring me to different departments. Ive received letters in the mail to sue this company this is the kind of loan that I have paid on for 30 years and it never paid off the principal balance. I need help because this doesnt seem right when they was paid in full to close this account and never have to do business with them again.