davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Qualey Law Group, Inc. (NV)

XXXX XXXX hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against XXXX for these unfair practices and won the case last year. The debt collector XXXX hired has n't stopped their unfair collection practices eventhough case against XXXX has been won and XXXX is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against XXXX nor to desist collection for XXXX. I told them i was filing a claim at the attorney general because of the lawsuit against XXXX snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to XXXX was never properly verified by XXXX nor rid XXXX notified me that the debt was being sold. 
I got into a situation of not being able pay XXXX due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing XXXX i was going to file bankruptcy.
Consumer complaint received 2015-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

Defendant : Sun Trust Bank - XXXX XXXX Branch XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX - Branch Manager and Assistant Vice President Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXXXXXXXXXX On Friday, XXXX XXXX, XXXX, arrived at the branch bank with my safety deposit box key to retrieve documents and gold jewelry. I was denied access to the box. The branch manager explained that the box had been assigned to someone else. The box was rented jointly with XXXX XXXX XXXX, my significant other. I hold both checking and savings accounts at that bank and have been using Sun Trust since XXXX XXXX. Any box rental fees should have been automatically deducted from the checking account. Except for the initial rental fee, I have never bothered to consider the rental fees. I was under the impression that the bank was doing its job. I have never received a bill for box rental fees. Rental fees were not discussed at the XXXX XXXX meeting.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

have called Transunion multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Transunion is supposed to protect my information and has failed to do so. 
XXXX  XXXX has ran my credit multiple times and had no authorization to do so. 

XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX I dont even know what company this is and when I called then number its in XXXX and i dont speak XXXX. 
XXXX : XX/XX/XXXX I want these off my credit. Its hurting me to obtain anything because of this stuff
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These medical accounts shouldnt be on my credit report this medical account is under 180 Days please Remove Off My Transunion credit report!! This is a Hippa Violation!!!  This account is 5 months old
Consumer complaint received 2017-09-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

Every since I filed my complaint about my loan rate and closed my CD and checking accounts with Navy Federal Credit Union, I have not been able to gain mobile or online access to my remaining accounts. I contacted an agent via email and still have not been allowed access to my accounts.
Consumer complaint received 2021-02-03
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. (MA)

TransUinon is in violation of the the FCRA after I am writing due to TransUnion none compliance of the FCRA. TransUnion has fail to remove inaccurate information from my credit report. TransnUnion is in violation of the of FCRA refusing to uphold the law. I have provided TransUnion with factual proof of my payment made on time for the month of XX/XX/2018. TransUnion request me to send them supporting documentation that my payment for the month ofXX/XX/XXXX was made on time to XXXX XXXX before they would delete the late notice for XX/XX/XXXX. I have provided TransUnion email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OR)

Approx. One Month Ago I Received Several Letters Stating That I Have To Send Cominety Bank Copies Of My I.D., Proving Who I Am. Meantime All My Accounts With This Bank Are On Hold. I Reply, Did Everything They Requested. On XX/XX/XXXX I Received Several Letters Stating That All My Accounts Have Been Re-Opened. Try ed To Use One Of There Cards And Found Out That They Were Not Re-opened. I Called The Bank Asking What Is Going On?. The Person I Spoke With ( can ; t Remember The Name ) Told Me That The Credit Bureau Has Sent Them A Email Telling Them To Close All My Accounts.I Have Approx. 10 Accounts ( credit Cards ) With Them. All In Good Standing Never Late. For Them To Close That Many Accounts Is Really Going To Lower My Credit Score Significantly, Of No Fault Of My Own. Why Did They Give Me The Credit In The First Place?. I Have Been Working Very Hard On Building My Credit Got It From The Low 500s To 665 In One Year Very Proud Of That. And Know Have Them Come Along And LIE To Me Telling Me The Credit Bureau Is Telling Them To Close My Accounts They Don't Have The Right Or The Power To Do That. Last Time I Spoke To The Bank Was On The XX/XX/2019. They Said They Have Sent Again Letters, I Should Get Them In About 10 Days. I Cant Wait For Them To Report I Have 10 Closed Accounts It Will Kill All I Have Worked So Hard To For. It Just Doesn't Seem Right.I Am Not But Hurt That They Closed The Accounts, But Don't Report All Closed. This Will Damage My Good Standing Regarding My Credit. Please Help.
Consumer complaint received 2022-09-08
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 received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX, XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA and Account XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Attached a copy of my Drivers license, Tax Return Number, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2019-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (PA)

In XXXX of 2019, I switched my phone from XXXX XXXX XXXX to XXXX. I called twice and spoke to representatives and attempted to pay my remaining lease off. They assured me there was no balance. If I had paid, XXXX would have reimbursed me. They were confident there was no balance. 

Then, I never received one bill from XXXX XXXX XXXX until I finally received a letter to settle with collections. I would have absolutely paid it and in fact tried to. 

Since then, I have paid directly with XXXX XXXX XXXX and would like this off my report.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In late XXXX I checked my Transunion credit report and found all of my inquiries to be deleted. I logged in today to check my credit score and all of the inquiries are back and my credit score went down : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were deleted ; they need to be taken off again. I did not receive written notification within five days as per the FCRA rules ... therefore, Transunion is in violation of the law.
Consumer complaint received 2019-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

Paypal has withheld my money after a transaction from XXXX, where I sold an XXXX. They tried to tell me that there was suspicious activity on my account, but I later found out thats not true, their automated System lags certain things and they cant tell you why or when it will be resolved. After 10 days I finally was able to verify my identity and get my money. Fast forward three weeks later, which is a couple of days ago, I sold two more items on XXXX and I have no other way to get paid other than through PayPal because at this time PayPal is the only financial money transfer service that they use. Well they decided to limit my account again not allowing me to access money that I put in there and has nothing to do with XXXX. They asked me to verify some information which I did, but not before I wrote them a few nasty messages telling them how I feel about them and the XXXX  that they have put me through. Whoever read my messages didnt like what I said and had the power to permanently remove me from PayPal, and telling me that I can not touch any of the money in the account for 180 days, at which point they will let me know how I can access my money. This is unacceptable that I have to wait 180 days or even three days to touch money that is mine I did not choose to do business with PayPal, it was my only option and I was forced to. I chose to do business with XXXX, nowhere in any of the agreements did it say that I had to use PayPal only and now Im being penalized because of Paypals monopoly on XXXX. They have stolen money from me by holding {$770.00} of my money a few weeks ago and would not allow me to touch any of it unless I paid {$440.00} that was for some One else is debt, and I had no choice because they told me it was either pay the XXXX Ill be able to access {$330.00} of my money or they would keep all {$770.00}. I thought {$330.00} is better than nothing so I paid it, everything was fine until I try to use them again, at which point they put more holes on my account and had me jump through more hoops, which I did and I submitted everything they asked except a definitely abused them verbally through emails, at which point they put me in the spot Im in now. They have cost me a lot of money in late fees by not allowing me to access MY money.
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK (WI)

I wrote XXXX XXXX a letter stating the activity is not mine on the account and the bank would not listen to me at all. XXXX XXXX is closing my account and charging me over {$3000.00} for charges they are not mine and I would like this matter resolved.
Consumer complaint received 2019-10-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (VA)

I was on the phone with a citi manager representative XX/XX/XXXX, debating about a late fee that I just occurred. I just took a new loan with them and I thought the payment was different than my usual one. That Manager has zero skill of customer services. She said I had 2 late fee removed one in XXXX and one in XXXX and also that I occurred 5 late fees which I gladly paid. The fees and interest I paid them is not worth debating a XXXX $ late fee, she should have just remove it. I have been with them for a while now and never had any trouble until today. The worse for me is that she has the audacity to hang up on me after arguing and getting me more pissed off. I called back and ask her why she did it and she said it was because I was frustrated. Im a XXXX XXXX myself and the best way to calm a customer down is to listen to their frustration even though you know there is nothing that can be done. It is very sad to end a long term relationship, for a person representing Citi that have poor knowledge of customer service. This is the first time I experience this type of disrespect and she is supposedly a manager. What a shame what a shame very disappointing. That so called manger might move on to better opportunities while because of her The Citi company name will be tarnish forever. She let me know that there was nobody higher than her, no one can call me back, and no one to take my complaint about her poor handling of the situation. She gave me a fax number XXXX and a P.O. Box what a joke. Since Citi doesnt have a place to listen to my complaints, I will use this platform to express my disappointment.
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I attended XXXX XXXX from XX/XX/XXXX, graduating in XX/XX/XXXX. I attended a private university, which of course came with a higher tuition rate. Although I did my best to limit loans taken out for living expenses, by the time I finished my XXXX 's Degree I left with $ XXXX- {$95000.00} in school loan debt. I stepped into a field that entry level even with a XXXX 's degree, salary was initially {$35000.00} a year. Fairly immediately, I switched my loan to income based as there was no possibility of paying the standard monthly amount. I have been fortunate enough to continue growth with salary, and therefore increase in payments over the past 9 years. I have diligently paid on time each month, only taking deferment from loan for a short period while I went back to school for an additional field. Through this 9 year period, my loan servicing company has been passed around at least a half dozen times, eventually splitting multiple loan service organizations. I never felt the need to consolidate my loans knowing that the likelihood of my loan payments going down was limited. However last year I was frustrated with organizing 3 different payments to 3 different companies that held my loans and decided it would be helpful to combine. I consolidated my loans to Navient, which mind you one large amount was already being serviced through them after all the passing around without my say. As expected my monthly payment has stayed about the same. I was absolutely devastated when I had learned after already agreement to consolidation that my 20 year loan forgiveness ( based on Pay as You Earn ) was starting over. My 8 years of consistent, monthly, and substantial payments based on my pay and city of residence was wiped away. Navient was anything but helpful or empathetic to my overwhelm, and passed me to student government loans, who then said I had to talk to Navient. I have been keeping up with m nearly {$600.00} payment each month, and am finally gathering my energy to attempt to voice my experience, and attempt to correct what I think was a neglectful support from the loan organizations. Even more devastating, looking at my loan balance today, my balance is {$140000.00}. {$45000.00} more than the day I graduated 8 years ago! I estimate that over these 108ish months of payments, I have paid back $ 43-48,000 which has not only appeared to go no where in the balance, but even further, has been exacerbated by this same amount. This is unacceptable based on how hard I have worked to keep up with payments and stay in good standing with my choices. I feel pushed around and unimportant in this system, and no doubt this is impacting me heavily with no signs of relief.
Consumer complaint received 2015-12-23
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (VA)

Refusal by Macy 's and representative Citibank to provide sufficient information to allow debt repayment. 

I have been attempting to make arrangements for payment of a debt I owe through XXXX Debt Consolidation Agency. Macy 's has changed their account number system and has rejected all proposals because of either " not enough information '' or " invalid Account Number ''. I am attaching the denial notices issued to XXXX. 

I am unable to reach Macy 's Credit Department, serviced through Citibank to obtain sufficient information to either make arrangements to pay this debt or for XXXX XXXX to submit a letter of proposal. The offices are only open from XXXX - XXXX and every time I call, I am disconnected. ( See attached for further explanation )
Consumer complaint received 2021-09-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CW Financial (OR)

In 2013, I applied for a payday loan from a fraudulent company that is presumably based overseas. I applied for a loan of XXXX dollars and never received the money. I canceled my application and was then harassed by the fraudsters that ran the company. They called me nonstop for a month straight, threatened my life, tried to extort me. Last week I received a phone call from Crestwood Management a scam law firm that represents this " payday loan '' company. I talked to a woman over the phone named XXXX. She told me that I am XXXX in debt, for the loan I never received in the first place. And applied for almost 9 years ago. Apparently, I will receive a summons in the mail tomorrow, I was notified of this via text from phone number XXXX. I was told to call XXXX if I needed more info. I called and they tried to set me up on a payment plan of XXXX dollars for 10 months for this loan which I never received. 

I am also notifying the XXXX XXXX XXXX and the local authorities of this scam.
Consumer complaint received 2019-10-26
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. (PA)

This account is being reported as closed by consumer. However, this account is " open '' and has never been late. This account is also being reported as derogatory. This account should be displayed as open and current.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I closed my account with my balance fully paid off ( i.e. when I logged in, it says the balance was {$0.00} ). I confirmed with an Amex agent that I would not owe anything or have any sort of balance post-closing ( ie that there would NOT be any reversal of statement credits after I close ), so with that reassurance, I closed the card. 
However, Amex charged me {$350.00} post-account closure ( that is, they reversed a {$350.00} sign-up credit that was credited to my account, many weeks after I closed the account with {$0.00} balance ). This is a fraudulent reversal, since my balance was XXXX at close and the agent promised that post-closure, I would not be subject to the promo offer credit reversal. If I were told that the {$350.00} credit would reverse, I would have not closed the card. The current balance is higher than {$350.00} since they tacked on late fees, and I believe the min payment that is overdue is {$80.00}. I've contacted Amex to no avail, so please remove the credit delinquency from my account so that it doesn't impact my credit score, because I owe Amex {$0.00}.