davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
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: BARCLAYS BANK DELAWARE (FL)

Barclays continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score.
THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE.
This is an ABUSE of the credit reporting system and is done in retaliation by Barclays to attack customers holding balances on their account.
My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY BARCLAYS
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached to this company several times in reference to the many errors on my report. They never responded. I didn't receive any letters in regards to my concerns. I can't even get a job due to the inaccurate items reporting on my account that are affecting my credit score.
Consumer complaint received 2021-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

On XX/XX/2020 I was charged {$470.00} for student loan payment. Per the COVID-19 emergency relief period I'm eligible for a refund for payments made after XX/XX/2020. I've contacted FedLoan Servicing and they said they made a request for a refund, but it could take up to two months. I followed up after two months when I haven't received the refund, but I can't get FedLoan Servicing to respond.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IL)

On XXXX XX/XX/XXXX, at approximately XXXX, I registered on Equifax 's website for the XXXX  XXXX credit monitoring service. My information was part of the Equifax data breach that was announced in XX/XX/XXXX. Upon submitting my information, a message box popped up stating that an e-mail would be sent, however there would be a delay due to the volume of requests. I interpreted that information to mean it could be delay of days so I didn't check my e-mail last night. Instead I checked my e-mail this afternoon. In fine print at the bottom of the e-mail was a message that said " this link will remain active throughout the enrollment period, which ends on Wednesday, XX/XX/XXXX. '' So, by checking my e-mail and trying to click on the link today, I have lost out on this service being provided by Equifax. 

My complaint is the fact that when I hit submit to enroll in the program last night the pop-up box did not state that enrollment had to be completed through the e-mail during the enrollment period. The message in the pop-up box DID NOT contain all the information and DID NOT provide all the steps that had to be completed. The message in the pop-up box was very misleading by stating that there would be a delay in the e-mail being sent due to the volume of requests. There were no details as to how long that delay would be. 

I called Equifax this afternoon and was told that there was absolutely nothing they could do to enroll me in XXXX XXXX credit monitoring services since the enrollment period had ended - even though their own website contained misleading information and missing information. This is extremely frustrating considering that the error and misinformation was on their end. And now, I'm the one whose personal information has been compromised and has no credit monitoring.
Consumer complaint received 2017-06-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Both and my insurance company have been talking to multiple people in customer service departments in Freedom Mortgage for the past week just to get them to send the check from MY ESCROW account to the insurance company for XXXX XXXX XXXX XXXX XXXX. <P/>The original check dated XX/XX/XXXX, was stopped pay ( as it never arrived at XXXX XXXX ) with a guarantee it would be resent same day on XX/XX/XXXX and overnighted. By XXXX XXXX  on XX/XX/XXXX when the check still had not arrived.
<P/>I called Freedom Mortgage to get the XXXX tracking number. After being bounced around for an hour I was told there was no tracking number, the check had not been sent it was just cut as a result of my call and would be sent out in the am XX/XX/XXXX for overnight delivery. <P/>I called on XX/XX/XXXX and told that the checks from XX/XX/XXXX & XX/XX/XXXX were cancelled as the system rejected the checks due too many checks being written from the escrow account. The service agent said they would overwrite the system and issue a new check which would be sent on XX/XX/XXXX. <P/>I advised the service person that I needed the check sent on XX/XX/XXXX as I was currently not covered for XXXX XXXX XXXX and the insurance had now lapsed since XX/XX/XXXX due to their errors. I asked that they overwrite the system get upper management approval to issue and send the check same day. <P/>After an hour of being sent back and forth and waiting for a manager to take the call the service agent got on the line and said I could no longer tie her line up and hung up on me. <P/>I called in later and got a different agent who said he would get the check sent today and provide me with the XXXX tracking number. The agent called at XXXX XXXX and advised he could n't get the check sent and that he would guarantee it to be sent tomorrow am he would follow-up with a call to me with the XXXX tracking number if it could n't be sent he would guarantee they would wire it to my insurance company. He also guaranteed that my house would be covered if any damage occurred from the storm currently in the XXXX headed for the gulf coast. He said he would issue this guarantee in writing via email before he left this evening. <P/>I have no XXXX XXXX XXXX coverage and there is a storm in the XXXX. The minute that storm gets named if my insurance company has n't received the check, I will not be covered for said storm. <P/>I expressed this over and over to customer service Freedom Mortgage to no avail not only did they not care, they did nothing to push the check out tonight for immediate overnight to the insurance company.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC (MD)

XXXX XXXX XXXX XXXX XXXX have placed a remark on credit/checking account report via Early Warning Systems for three seperate remarks. They alleged that my account was closed due to account abuse. The financial institution should not have done this, as they failed to contact me or make arrangements or offer any payment plan for me to bring the accounts in good standing. Ive also submitted signed and sworn statements against fraudulent o unauthorized charges and they failed to investigate and inform me of their determination. Ive went nearly a year without receiving responses to the concerns I brought t them. They also were negligent in response times and never informed me to contacted me of any detrimental actions that were pending. Their remarks have subsequently led to several banks denying my application to open new checking accounts. For the past 12 months Ive been denied opportunities to open checking accounts thus Ive been forced to rely on XXXX for my financial purposes. I no longer have access to any brick and mortar banks and this is been very troublesome to deal with.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

My student loan was suppose to be deferred until XXXX. Late XXXX/early XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I became delinquent on my credit card bill k in XXXX. In XXXX I made arrangements with to settle the account for less than what was owed. The agreed that if I paid one lump sum the account would be marked as paid in full. In XXXX XXXX I received an letter from XXXX XXXX XXXX, XXXX collecting on the debt. I sent a dispute letter and they replied with copies of my monthly statements from XXXX to XXXX. I received a confirmation letter regarding the status of my account but have disposed of it because so much time has passed. I have also switched financial institutions and do not have access to statements showing the payment. I am trying to receive a copy from the financial institute. The disputed balance is XXXX due XXXX.
Consumer complaint received 2018-01-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing, LLC ( SLS ) provided a single point of contact ( poc ) for all communications in resolving late payments on my 2nd mortgage. When I asked for a forbearance on the loan while I worked out the details, the single poc ignored the request. Sometime later, SLS acknowledged that the company received the request but did not act on it instead insisting on my mailing the request to another address. By then it was too late. The poc was never available and did not return phone calls. Often, I was left on hold for up to an hour before being cut off. The company repeatedly asked for documents it already had in its possession or would not explain what they needed. I believe these shady practices were an attempt to move the 2nd mortgage to foreclosure while pretending to help. I sold the home in order to avoid foreclosure.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (SC)

There was 3 unauthorized transactions made to my card on XX/XX/XXXX. I filed a dispute on this day. I received paperwork on Tuesday the XX/XX/XXXX and send it back the same day. I have called everyday to see If XXXX XXXX received my paperwork and I was told that they didnt receive it yet. It has been a week since I send the paperwork and now they telling me that I have to wait 45 to 90 days. One representative told me that If my paperwork was received by Monday the XX/XX/XXXX that they would release my money back onto my card. Which was {$410.00}. I am being put out of my house cause of this. Those companies that allowed the unauthorized transactions was XXXX and XXXX in California.
Consumer complaint received 2017-06-20
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. (NV)

My student loan was suppose to be deferred until XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX, they reversed my deferrement for no reason and without notice. Immediately than reporting to all 3 credit bureaus that I was late and it dropped my score 100+ points, At this time I was trying to get a new mortgage and this issued caused me to not be eligible for a regular loan and in turn the mortgage companies that I turned to all told me that to be eligible I would have to pay XXXX {$23000.00} in one lump sum to be able to receive my mortgage. We were in the process of selling our 1st home so this meant a LARGE portion of my profit was going to go to XXXX that messed up my credit score causing me to not be able to receive a regular loan. That amount was paid HOWEVER trying to contacted XXXX repeatedly for them to fix the " late payments '' because I was NEVER late, it was deferred and they withdrew the deferred with no explanation, even when I called they could not tell me. I would like my {$23000.00} refunded as well as an updated credit score stating that I was never late and the rest of my student loan forgiven. I was and still am emotionally drained from this because the student loans are haunting my credit score for no legitimate reason. I believe this is some type of scam because they sure will answer when a {$23000.00} payment is being made to them but wo n't answer me regarding my " late payments '' that I was never late on.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, fraudulent transfers valuing {$250.00}, {$210.00}, {$100.00}, {$55.00}, and {$24.00} were made from my XXXX XXXX XXXX checking account. Of those transfers, {$210.00}, {$55.00}, and {$24.00} were converted to cryptocurrency via my PayPal account. This trend of fraudulent transfers passing from my XXXX  XXXX XXXX account to my PayPal account continued for several days : XX/XX/XXXX {$290.00}, {$270.00}, {$250.00}, {$35.00} ; XX/XX/XXXX {$260.00}, {$270.00}, {$260.00}, {$240.00} ; XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$310.00} ; XX/XX/XXXX {$180.00}, {$300.00}. The total was 17 fraudulent transfers worth {$3500.00}. Of those, 15 fraudulent transfers involved PayPal ( {$3200.00} ). When I called my bank to report the fraud, XXXX XXXX XXXX gave me 15 miscellaneous credit adjustments : XX/XX/XXXX {$310.00}, {$300.00}, {$290.00}, {$270.00}, {$250.00}, {$210.00}, {$55.00}, {$35.00}, {$24.00} ; XX/XX/XXXX {$250.00}, {$10.00} ; XX/XX/XXXX {$270.00}, {$260.00}, {$200.00}, {$180.00}, covering all but two fraudulent transactions with PayPal ( which happened on XX/XX/XXXX for {$260.00} and $ XXXXor {$500.00} total ). A month and a half later, on XX/XX/XXXX, I received an email from PayPal saying [ XXXX ] Weve debited your account. [ XXXX ] Our records indicate that you received a duplicate credit from the following transaction. Because youll be getting money back from the financial institution, weve removed the crypto and any associated rewards received or the equivalent proceeds from your sale of the crypto from your balance. Because you received two credits for the same transaction, we will be debiting {$180.00} USD from your PayPal account. This debt will occur on or after five business days from the date of this email. We will email you to let you know when this debit is complete. If there is not enough money in your PayPal account to cover the full transaction amount and the debit, please add money to your PayPal account to avoid having a negative balance. I received the same email again and again as my account was debited 12 times : XX/XX/XXXX {$250.00}, {$300.00}, {$260.00}, {$53.00}, {$33.00}, {$22.00}, {$210.00}, {$300.00}, {$280.00} ; XX/XX/XXXX {$250.00}, {$170.00}, {$260.00}. I called PayPal requesting an explanation, but was left empty-handed by their support team, who referenced records that did not match mine or my banks. Since XX/XX/XXXX, my PayPal account has a negative balance of - {$2400.00}. This has not only harmed my relationship with PayPal but also XXXX  XXXX XXXX due to a loss of trust with these institutions. Additionally, this impacted both my credit score and my regularly scheduled debt payments with XXXX XXXX.
Consumer complaint received 2017-06-21
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX.XXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transunion. I have contacted XXXX XXXX who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2017-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OK)

www.navient.com XXXX15 called the XXXX but the recording could not help me and would not connect me to a representative because they could not understand why I wanted to talk to one so they said they would end the call. After calling a few times I scheduled a call back at XXXX XXXX. Then I got online and they could not take care of me there so I scheduled another callback at XXXX EST. The phone calls and the online program would not let me pay off a student loan. They offered to refinance and defer, but could not accept the payoff for my loan XXXX. If I selected payment on the computer or said payment to the recording it wanted me to make a monthly payment. I registered online and the computer today said they did not recognize my user id, but when I had them e-mail me the user id it was the same as I entered but it did not recognize me. I tried to reregister and it said I couldnt use that id. When I finally tried and tried to get into my account it said I could download a form they sent me, but I never received a scheduled call back. Since I could not re-register, I could not download the form they sent to me on their website. The jest of it is they do not want to accept a payment from me because they make a ton of money on the students. They had a little paragraph on the website telling that they would continue to charge interest if it came by post office mail, but they would not accept a payoff from me online or on the phone. XXXX XXXX XXXX
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial (FL)

I joined a student loan consolidation program, income based, made monthly payments of XXXX a month. I kept seeing one of my loans on my credit report at default. I would call and it would come off for 3 months, deferment. I finally asked why this keeps happening, Ameritech stated the XXXX I was paying a month was to do paperwork. When I contacted the original lean holder to arrange payments it was less and they warned me about these consolidations. I paid XXXX a month for 2 years for " paperwork '' I completed this so called paperwork with the lean holder over the phone and my payments are less than XXXX. I told Ameritech to stop taking the automatic monthly payments out of my account, but no return of funds and the delinquency on my credit has been resolved
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had two transactions that are a result of {$35.00} overdraft fees applied because of transactions that are under {$10.00}. On XX/XX/XXXX I made a transfer transaction from my second checking account to the primary checking account. I transferred {$30.00} to my primary account. A {$6.00} purchase was made and my balance was {$23.00} for some reason I was charged a {$35.00} overdraft fee when my SSA direct deposit was posted on XX/XX/XXXX. This action could not be explained by the Bank. On XX/XX/XXXX a transaction came in for a preauthorized debit of {$10.00}. I made a deposit on XX/XX/XXXX XXXX where it showed a -XXXX where a overdraft fee was not applied. Shortly after I made the deposit a overdraft fee was applied but the account shows a {$15.00} balance that I thought was available.I tried to use the available balance to make a purchase and was declined. I contacted the bank and request a courtesy of returning my money and was told that I I will be charged a overdraft fee which was applied later in the day and a follow up overdraft message was sent to my phone shortly after. I understand their procedure but why not send a reminder that you have a negative balance and to make a deposit. The bank used to do that in the past but they are so hungry for taking money from people that are on a fixed income and I can not afford to give the Bank overdraft fees on a monthly basis. I would like to be advised if I can possible sue for not making customers aware of negative balances and choosing to charge overdraft fees any time of the day without warning. This resulted in a transaction that was denied because I was unaware of the overdraft charge until I called and discussed with the Bank. Shortly after speaking with the Bank they decided to send a overdraft message to my phone but it was too late I thought I was in the positive. Please help. Citizens Bank repeatedly charge overdraft fees and take away from customers that are on fixed income and deliberately taking money for overdraft fees.
Consumer complaint received 2017-07-26
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. (TX)

Under the new law effective XXXX XXXX, 2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau Experian identification number XXXX and XXXX and XXXX reference # XXXX has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.