davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I 've reviewed my statements from Navient for the life of my loans. They have added interest and charged interest rates while I was on Deference that they are unable to explain, justify, or give an account for. This has added to my debt and has prevented me from repaying the principle payment down, as my interest payment is higher and/or more dedicated from my payments to my loans per month, even with a 3.5 % interest rate. In addition, while I have taken several Forbearances on this loan, I specifically asked a Navient Representative if I can re-apply for a deferment where my XXXX of my loans does not accrue interest. I was told that program ( non-interest bearingDeferment ) does not exist any longer and have been misled into interest bearing forbearance. I have attached the documents necessary to show the odd and predatory interest rate charges that do not adhere to mathematical or ethical standards for the life of this loan. 
This is a predatory lender and they steer into interest accruing forbearance to keep the lender in debt for longer periods of time. My circumstance for the forbearance allowed for an actual deferment, not interest bearing forbearance.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (CA)

I had tried multiple times to reach Avant Credit card to make my payment all the way up until twice yesterday morning also tried using theyre XXXX XXXX to make payments on time and theyre website all which had failed I received a call from them yesterday and they said I was past due and owed XXXX to bring account current I said I would make payment and that I had tried multiple times and could never reach them by phone as well they said they understood had me try resetting password multiple time in XXXXXXXX XXXX and using web browser all those times while I tried to do so failed obviously they said there was a problem on theyre end so I paid what I owed they said not to worry because problem was nothing to do with me they would do late fee waiver then XXXX I got a email from them saying late fee was denied so they lied to me knowing full well it was not in any way my fault I was not able to make a payment and even seeing themselves why I wasnt able to I need this late fee waived and not to effect my credit score I have been working so hard at improving my credit and this is unfair to do this to me
Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently called BofA to inquire about a credit card payment. The representative who answered my called was asking me for the XXXX digit code number at the back of my debit card after giving out the my debit card information. This should be a cause for a concern. My debit card can be comprised because having giving out my debit card information and the XXXX digit code it can be used for something else. And BofA should stop doing this to its customers as a way of verifying their account.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I am trying to find out from Wells Fargo Home Mortgage why has my mortgage payment went from {$860.00} to {$1300.00}. The Loan Number for this complaint is : XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA. XXXX. 
I need a complete detailed break down of all charges that Wells Fargo Home Mortgage is charging me for this mortgage including any escrow charges and any Escrow disclosures explaining exactly why my mortgage went from {$860.00} per month to {$1300.00} .If this charge or any charges on this mortgage are incorrect or in error or misapplied by Wells Fargo Home Mortgage please immediately send directly a refund by check to me and my husband. 

XXXX XXXX
Consumer complaint received 2016-09-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NJ)

This concerns case # XXXX and XXXX. On Friday, I received a letter from Pressler & Pressler requesting the court to direct an order for garnishee to pay over to Sheriff money for the debt I do not owe. I am at my last nerve. I do n't know what to do. I ca n't afford to hire an attorney, {$250.00}. just for consultation. I 'm scared to death of these people now. XXXX XXXX appeared to be cooperating, not these attorneys. I am enclosing their documents.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (IL)

Several fraudulent credit cards were opened in my name, while I was incarcerated. I believe that a family member and/or friend of the family opened said accounts and utilized their proximity to the multi-unit residence that was once my address also. 
I was incarcerated between XX/XX/XXXX and XX/XX/XXXX, Ive provided the below listed creditors with official documents from the local sheriff, letter of Incarceration detailing the time period I was in custody ; yet Discover financial refuse to remove these fraudulent accounts from my credit files. This has affected my ability to get a car loan, and other necessary credit and housing accommodations. 
Discover acknowledged that one of the charges on the fraudulent account opened in my name, reflected a charge to XXXX  a money transfer service for incarcerated individuals, where money had been sent to me, and another unknown individual. This in itself evidences, the fact that I was incarcerated, and someone sent money to me ; ( likely one of the many family members who I requested money from while incarcerated ) However their ( creditors ) illogical rationale for stating the account is legitimately mine, is because some lowlife family member sent me money, from a fraudulent card they had obviously gotten in my name! 
I have requested that both creditors, Discover financial, review the 1 ) .written application for credit, 2 ) .the voice recording ( if the application was done via telephone ) and/or 3 ). the IP address from the electronic device/computer that completed the application ; which will prove that someone other than myself, who had ABSOLUTELY no authorization for me, opened these accounts fraudulently! 
The other fraudulently opened accounts, bank accounts, and utility accounts which were all opened fraudulently by someone else during the period of my incarceration ; have been removed after I provided those companies with the same documentations Ive sent to Discover!
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I requested verification/validation of a supposed debit to Midland Credit Management. The have not responded, but yet continue to call my cell phone with a robo call. this call is at all hours of the day and night. Generally there is no person to answer the line, just a stuttering robot.
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been trying to work with Bank of America to refinance a mortgage. I have never missed a payment and have been a customer of the bank for over 30 yrs. They are currently charging 8.79 % interest on the loan and even with my good history refuse to refinance at a lower rate. I feel that I have been victimized by these people for at least 3 yrs. There has to be something that can be done.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MI)

I signed up for the American Express Platinum personal card XX/XX/XXXX. The offer was to spend {$3000.00} in 3 months and they would provide me XXXX membership rewards points. I met the terms of the offer and was provided the points XX/XX/2016. On XX/XX/2016, Amex removed the XXXX points from my account telling me I spent the money on reloadable cards. I did not spend the money on reloadable cards. I have various purchases at several retailers for different amounts. I find it unbelievable that they can take the points and tell me I did not meet the terms of the offer.
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I had started out to finance a new car as I currently had became diagnosed with XXXX XXXX, I had gone to the dealer of Toyota which was XXXX XXXX  in XXXX XXXX Maryland. 
It was a XXXX XXXX XXXX and as I drove it home my wife had driven it as well she had been hospitalized for the seats that caused a severe XXXX injury in default of the seatstgat were a malfunction. I then returned the vehicle back to the XXXX XXXX XXXX in XXXX XXXX Maryland to where they had no problem to return it and the proceed to give me a XXXX XXXX XXXX I had only owned it a few months then the vehicle brake system cause me to jerk as I proceeded to stop every time I drove it. Once again I returned it back to the dealer where the sales representative gave me a XXXX XXXX XXXX XXXX I was not there to pick up and my wife had got it with my consent. 
Bottom line the car was voluntarily surrendered due to me falling out of it. 
The complaint is that they accepted the returns of the vehicles I had without legally giving the negative equity information so it was an injustice consumer manipulation.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Harris & Harris, Ltd. (IN)

CALLED ME ON CELL 7 TIMES, MY SISTER 2 TIMES AND MY MOTHER 11 TIMES. 

WENT ON CREDIT REPORTS. WITHOUT APPROVAL HARASSMENT AT ITS BEST AND ILLEGAL!
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

This is for a phone bill that I do n't believe I owe. When I first received notice I wrote them and asked what it was for and proof that I owed it. I received no response. I am unable to find my original letter that I sent. However if whoever this is that is damaging my credit report can prove that this is legitimate bill I would gladly pay it. I would like this damaging information off of my credit report. 
Thank you.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I filled Chapter XXXX bankruptcy in XXXX and was discharged in XXXX. I included all debts including the referenced account XXXX XXXX which has now been removed from my credit report previously. The account is now showing back and is duplicated -showing as XXXX negative accounts both owing the same amount of {$5500.00}. 

Open Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks Account # XXXX {$5500.00} Balance XXXX XXXX Original Creditor {$5500.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Consumer disputes this account information Remarks
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ( XXXX  ) Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX Bank XXXX XXXX on my credit report is showing charge off when this account was paid in full. I have had to do my own research in making attempts to clear this up and there is no contact information made to the consumer. The contact information on my report with all three credit reporting agencies is as follows : Contact XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This is XXXX credit card services phone number however, XXXX credit card services does not facilitate the card there is an address that you can write to which I have however, the company consistently has NOT responded and the consumer is unable to contact anyone that can directly assist in correcting data that is being reported on credit reporting documents falsely. This was a credit building card taken out as recommended by Experian and XXXX. This company XXXX XXXX does not serve their consumer fairly. This account was paid in full years ago and closed by the consumer. This was done in a phone call to XXXX XXXX XXXX. through a branch of XXXX XXXX XXXX ( https : //www.cardworks.com/ ). When trying to speak with XXXX XXXX they circle you back to XXXX credit card services and it goes back and forth. NO ONE HAS AN ANSWER! This business is run as a " boiler room '' type of business if you will ; hacking up consumers credit profiles. There is no direct access to these business for the consumer. Therefore the consumer is left making attempts to clear up their account for months which is becoming disabling.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Saks Credit Card Service will not issue a refund check even though I have a credit balance on my account. 

On XXXX XXXX, 2015, I called Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I emailed Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I sent a letter to Credit Customer Service via US postal service. 

I have made multiple calls to Credit Customer Service to inquire on the status of my check. Last week, I spoke to a Credit Customer Service Supervisor named XXXX who took my information and promised to call me back within 24 hours. He did not ever call me back. 

On XXXX XXXX, 2015 I emailed XXXX Customer Service about my refund check. I was told I would be getting a personal response within 24 hours and still have not heard back. 

I have not received my refund check which I requested 17 days ago. By law, I should have received it within seven business days of my initial request. 

XXXX. If you have a credit balance on your account, you can keep it or write your issuer for a refund if the amount is more than one dollar. Your card issuer must send you a refund within seven business days of getting your request. If you do n't ask for a refund and you do n't make any other purchases for more than six months, the issuer must make a good faith effort to send you a refund.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (IL)

I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report. 

I ask that the items be deleted to correct my credit report.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Account XXXX from the XXXX XXXX. XXXX XXXX is reporting inaccurately on my consumer credit file. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Please take the necessary measures and properly investigate the inaccurate account.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

After filling out the questionnaire, I was rejected from viewing my credit report. I answered the questions honestly and to the best of my knowledge, and I was given no reason for why I was rejected. If someone has been fraudulently using my identity for a loan or an account, that may have made my answers incorrect on the questionnaire, which in turn could have resulted in my denial. Am I expected to know what 's in my credit report before I actually see it?
Consumer complaint received 2024-02-16
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

i was issued a credit card thru citibank, a visa card to replace my XXXX costco card without my permission before the due date on the previous card was due for payment. I tried to make payment and was given instructions to call citibank and pay them. I called on four different occasions and could never get thru and then found a number online and waited about an hour before i was able to make payment but still could not cancel card and was told i would have to call another number. I did that and finally got thru to someone to turn off card and started thinking, how is this legal. I never asked for a different company. It seems to me that they should have given you a choice to accept the new company or just pay your bill and they would cancel your card when it became obsolete. I did not want another visa and especially one with a 15+ interest rate. I can see citibank making a lot of money charging interest fees on money that was transfered to their high interest cards with no easy way to pay. I have never had a buisness or credit card company do that before and the letters they sent out were misleading. They kept saying do nothing. I assumed i would get a closing bill with an option to switch. That would have been the right thing to do, instead they did the sleazy thing that pretty much seemed like bait and switch to me. Is there a way to keep companies from doing this?
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-29
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (PA)

BSI financial had purchased my mortgage from XXXX a few years ago. They were saying that my loan was delinquent when they purchased my loan. It was Not delinquent! For years they kept harassing me for past due payments! In XX/XX/XXXX they destroyed my check which now made it look like I was three payments behind so they could start the foreclosure process! They had sent me a letter in XX/XX/XXXX stating my home is in foreclosure and would not accept any further payments. I had already sent in XXXX payment before I received their letter. Even after they said they would not accept payment from me, they proceeded to cash XX/XX/XXXX payment! Now I have the XXXX wanting to come after me for defaulting on a loan that I am NOT delinquent with!