davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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. (CA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$320.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX  XXXX {$2200.00}
Consumer complaint received 2015-07-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Consultants, Inc. (NC)

I needed emergency assistance XX/XX/2015. 

For the past three month, I 'm getting calls from XXXX XXXX XXXX for a dept I do not owe. 

When the dept collector XXXX called I gave my information, thinking it was a mistake, I wanted to clear this matter. 

After speaking to the collector. I called the XXXX XXXX ( XXXX ). I was told by the accounting department, I was in good standing. I had reached out to XXXX earlier, after receiving my XXXX bill, I was told to wait on payment due to the fact they had been submitted to my insurance. I submitted a claim to my insurance. XXXX, they paid most of it. I made arrangements with WE. I would make XXXX equal payments to finish off the balance. 

When I called the XXXX, they confirmed, I am in good standing and I have not been sent to collections. I was advised by them not to share any more information with collector. I gave XXXX all the information I had. I was told this information would be filed. 

I have reported the number several times. I have spoken to them twice to explained this to them. The last two times I have expressed the harassment I feel after getting these calls. I have expressed to them that I am still working on recuperating. 

Please help me with this matter. Company info follows:XXXX Professional Recovery Company
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

My cell phone was stolen and as a result someone used my XXXX  information to send themselves close to XXXX dollars. Chase Bank won't do anything about it because it's through a third party and XXXX won't do anything about it either. I submitted a dispute claim on Chase and they denied it the same day.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened an account on XXXX XX/XX/2024. Citi had the promotion going on ( still going on ) that if we have {$1500.00} or more in Enhanced Direct Deposits ( Direct Deposits from Employer, XXXX, XXXX transfers, etc. ), I get a {$300.00} bonus. I am also attaching a screenshot in which you can see on top that it says Citi {$300.00}. I am also attaching a screenshot from the Citi website stating that it's for every checking account opened between XXXX XX/XX/2024 to XXXX XX/XX/2024, so my XX/XX/XXXX should qualify. I have called multiple supervisors, managers, and customer service, but unable to get my bonus. I will also attach a screenshot showing I have completed {$1500.00} in Enhanced Direct Deposits. Citi 's website states it will post a bonus within 30 days after completing activities. My activity was completed on XX/XX/XXXX, but today is XX/XX/2024, and it still hasn't been posted. Please help me get my bonus.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of American is actively reporting foreclosure accounts on my credit report that are more than XXXX year old since last activity ... .When attempting to request them to remove these old account from credit report all requests were ignored and XXXX of the letters stated that " they could n't find the account in their system '' ... which is a FCRA violation on multiple levels. They should NOT be reporting an account they do n't have or ca n't find, and should not be reporting any accounts past 7 year statute of limitations.. please help
Consumer complaint received 2016-04-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc. (FL)

The original XXXX creditor ) says that they do n't have me on any files of owning them a debt.. The collection company wo n't remove it from my credit report and they are harassing me about a debt I dont owe ...
Consumer complaint received 2016-02-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

We were told to use a home equity line of credit to pay for the down payment on the purchase of our home. We then moved XXXX and lost our renters. We stopped payment on the home in XX/XX/XXXX and was foreclosed in XX/XX/XXXX. This line of credit was written off but still shows on our credit report. We 'd like to have it removed on the account of prolonged processing and hardship.
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was charged by my bank HSBC a monthly amount of {$20.00} from XXXX 2015 to XXXX 2015 without knowledge or authorization. When contacted the bank they refunded me {$40.00} out of a total of {$140.00}. No explanation were given to me.
Consumer complaint received 2022-09-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I took out a student loan with Sllie Mae -consolidation in XXXX, This was a federal loan. I was continuously put into forbearance for many years which continued to drive the loan balance up. In XXXX When Navient took over they eventually offered me the income sensitive repayment option. I file a Bankruptcy in XXXX, XXXX, XXXX. Each time the student loan would not be forgiven = or reduced. I recently asked Navient for the original loan documents and complete payment history. To my surprise I received some of the documents however, in XXXX a new loan was originated in a former married name. The promissory note supplied does not have my signature it is a typed in signature, To be clear my loan was taken out in XXXX with Sallie Mae I was not married when I took out a student loan. Somehow a new loan was generated in XXXX XXXX-my former married name along with it now being a private loan with a 9 % interest rate. This is fraud. The $ XXXX loan is now $ XXXX.
Consumer complaint received 2021-01-26
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. (GA)

For the past 2 years, I have been actively disputing 2 accounts listed on my credit report that are not mine. I have provided proof that the bill belongs to another person and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the means of verification, when asked.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AR)

I have tried reaching out to the apartment complex to get vitrifaction of this and failed attempts telling me to get a lawyer to release information I have never ever stated at the reporting apartment   XXXX   XXXX   in   XXXX   XXXX   Arkansas never have I signed a lease or heard of them I have no known address associated with this place and I have contacted the creditor also informing them of the same information this is not my debt and has been holding me back from getting approved for any apartments in my name I really need this removed or verified as providing proof of Identification and social security card due to this is the information that would be need to put anything in your name. If I am not able to get some type of proof that I stated and leased an apartment with this place I need it deleted from my credit profile.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

XXXX  and Equifax are still showing incorrect information. It shows that my Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was 10 years ago!! And should have been removed I was educated on by the courts would fall off after 7 years max. After the housing crash in XXXX I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an XXXX FICO score with XXXX   because they have complied and removed the BK years ago when they should have and were supposed too.

It's been discharged and satisficed by the courts 10 years ago. This needs to be updated and removed from XXXX  and Equifax as soon as possible to start reporting accuracy and not outdated false information.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TN)

I KNOW THAT THESE PEOPLE HAVE THEWRONG PERSON BECAUSE THIS IS NOT MY DEBT AND SO THEY SHOULD NOT BE CALLING BE BECAUSE I HAVE SENT LETTERS STATING THAT THEY NEED TO STOP.
Consumer complaint received 2017-05-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I n   XXXX   XXXX   XXXX   I purc hased a home. Several months later my loan was transferred to  XXXX   XXXX . During the 2 years  XXXX  has miss applied payments or not properly applied pays. Instead they held money that was intended to be additional principle payments. I called on several occasions and in the end I 've been prevented from making any additional payments beyond my monthly payment.     Now my loan had been transferred to  Freedom Mor tgage. I called to get a loan number. They where not able to provide such. I asked who or what they where. I was told they where not a bank but a mortgage company. I asked who help my loan and I was refused the information. I asked what service did the provide and again no answers given. If as the home owner and I 'm unable to get simple answers how can I trust them to "  Service ''   my loan? Additionally I asked what service they provide, the answer was we service your loan. Ok great what does that mean? Again no answer.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have called in at least twice and logged un numerous times over the past 6 months, to figure out when and how much my student loan payments would be and every time I receive a different answer. I finally was able to get an answer online compiling all the paper invoices and its a few XXXX dollars higher than expected. One of you employees was actually off by an entire month on when the payment was due! 

I do not blame the individual, clearly there is a systemic issue on your end and it makes no sense how you have managed to stay in business. I had budgeted for a much lower repayment ( which has changed drastically about 4 times since graduating in XXXX ) and unable to even verify at which point my loan payments will settle into their " flat XXXX year payment ''. 

I was quoted the payment being mid XXXX in XXXX in XXXX to my surprise it had changed to XXXX, as of earlier this month it was XXXX. Now I come to find out the true payment is XXXX student only loans + XXXX for parent loans. The parent loan alone were quoted as a repayment of XXXX. I can not understand how the payment is now more than 3 times the quoted amount form earlier today. 

If I were to make the flat payments it would mean paying out more than my current after take income. I am not upset at the loan balances for they are the price of my education, I am upset at the lack of proper and correct communication on Navient 's behalf that has made it so my planning is now inadequate. 

I will be submitting a complaint to the consumer financial protection bureau, I am unable to pay my debts if the correct amount due and the payment day is being miscalculated. I was also told that ACH payments were made 5 days ahead of the due date. Having a background in backing I would love a valid explanation to this. It seems all other lenders and major utilities can receive and make payments on the correct payment date but for some reason Naviet requires there payment to be 5 days ahead of time?
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

I have n't worked in nearly 3 years and I am on income based repayment with Navient. Navient took over my student loans, which were with XXXX, prior. I 've heard a story about how many consumers with loans through Navient are being mistreated. I believe I am one. Being on income based repayment, I assumed they would lower me to the lowest amount I needed to pay to stay on top of my loans ... .wrong. I pay {$29.00} a month on my 28k+ student loans. Every month, after I make my payment ( always on time ), the balance does n't go down ... it goes up. This month I even paid a bunch extra and my balance still grew. Every month it appears to grow somewhere around $ XXXX- {$50.00}. In my opinion, I strongly believe that Navient is well aware of this and is not really doing right by their consumers. How can I ever get on top of my loans, if this is what they are going to do? I ca n't. Not at this rate. Any help would be greatly appreciated. If this is happening to me, it must be happening to a lot more. For me and my family, and the others who are going through this, please help. Thank you.
Consumer complaint received 2017-01-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Net Pay Advance, Inc. (TX)

I pulled my credit report and on it was listed a Judgement in the amount of XXXX for XXXX for a loan through NETPAYADVANCEXXXX. I have no idea what this debt is I have contacted the company as well as submitted 2 disputes on behalf of this debt andt trying to get it removed. The company however has been nothing near helpful with the removal of this debt. They tell me that all they can do is accept a payment on the account.
Consumer complaint received 2016-09-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Direct Recovery Services, LLC (OH)

I was contacted by an agency claiming to be called " Direct Recovery Services '' via phone and e-mail. I received a voicemail from this agency with threats of arrest and further legal action if I did not contact the agency prior to their deadline. The agency refuses to provide verification of debt via US Mail. 

I also received an e-mail from this agency with their website information ( www.directrecoveryservices.com ). They claim to be a XXXX accredited business. A cross-reference of the XXXX database proved this claim to be false, and I have filed the appropriate complaint with the XXXX. The agency previously operated in the state of New York, using a different website ( directrecovery.org ). Per the XXXX, under the New York address, the agency was issued a cease and desist order for misrepresenting themselves as a XXXX accredited business.
Consumer complaint received 2020-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (TX)

The previous resident must have had a loan with Westlake Financial Services ( I was getting her previous mail ). I guess she has stopped paying her debt to them and I assume they used public records to pull the phone number that is tied to the residence however that number is mine and now I'm getting phone calls for this debt. I have told them numerous times this is the wrong number and they will not stop calling me
Consumer complaint received 2015-03-27
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (IL)

I exchanged XXXX for several Reloadit card codes at localbitcoins.com in order to exchange XXXX for XXXX. I made several transactions with one user there, each one was for a value of {$500.00} USD, each one i loaded into my " safe '' in my account at reloadit.com. The rules say i could load up to XXXX $ per day and $ 10k per account. After a couple weeks Reloadit locked my accounts with a total of {$3000.00} in them. I called and opened a case, and provided the documentation they asked for right away. 
I can write an entire complaint based on the incredibly atrocious customer service. There were lies, rudeness, deliberate disconnections ( hang-ups ), and smug behavior as they enjoyed hearing me getting angry and helpless. One supervisor even laughed at me when i asked for his employee number so i could make note of this and report it ( XXXX, employee # XXXX ) I wo n't go into the detail of the XXXX phones calls i made getting jerked around, and hours i spent on hold just to be asked a few questions to be put on hold again to be transferred to someone else ( cycle repeats ). 
They ignored the fact that i provided the correct documentation and asked for the store receipts of the purchases which they knew i could not produce because i told them i obtained these codes via XXXX. I do have documentation showing that i obtained these codes through the service at XXXX. i submitted screen shots of all the invoices/receipts from the transactions. They have ignored this evidence and then last i called they told me i have 2 hours to submit the receipts from the store or my case will be closed forever without possibility to reopen it again.. Now they WILL NOT EVEN LET ME SPEAK TO THAT DEPARTMENT. I ca n't speak to anyone who has the pwower to unlock my account and each person i speak to that would be able to transfer me has explicit instructions to not allow me to speak to them. 
I fell like i have been robbed and violated. I am not out of {$3000.00} and feel completely helpless. I would like to take full action against this company and i know there are others like me who this is happening to. The reason i knew to file this complaint is because i shared my story on the forum at XXXX and have learned that his has happened to many others. Blackhawk Network must be stopped and prosecuted for robbing the consumers. 
On a final note, my girlfriend has an account with {$1000.00} in it and every time she tries to withdraw the money she gets an error, this has been happening for several days and it 's beginning to appear as though her money is being robbed as well.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

This company continues to close complaints. This company has not addressed any concerns I have with the company.

This company 's Terms and Conditions do not include details of what they charge for return fees.

This company 's employees/representatives are giving false information and the company 's employees only state what they are told to state even if what they are told to state is false. The representatives become aggressive over the phone making my client to feel uncomfortable.

This company is telling me to speak to their attorney instead of actively resolving the concerns I have with the company.

The company evades all responsibility for their violations of my consumer rights.

The forum for all communications shall be through the Consumer Financial Protection Bureau portal. Stop closing Complaints just because you don't want to deal with handling them.
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

after repeated attempts to explain to B of A that my income dropped because of retirement or was about to, asking for credit card interest rate modification, I was told they would review it the next month, also the rate went from about XXXX to over 21 % once they " re-evaluated '' my income situation because I missed work due to medical issue which reduced my income temporarily. I would like to get copes of the phone calls to my cell phone from the period of XXXX XXXX to XXXX XXXX as now they are sueing me for non payment, In turn I will counter sue for harassing phone calls. Repeated attempts to B of A even though I spoke to supervisior was the same rehearsed reply, " we will review this next month '' Many times I answer and asked for relief to hear the same story. Many of there harassing phone calls were from many variations of phone numbers and multiple calls having to say the same thing over sometimes an hour apart. This happened repeately