davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Markoff Law LLC (WI)

I have contacted this company, the XXXX XXXX XXXX and the XXXX XXXX XXXX letting them know my identity was stolen and this account was the result of Identity Theft. I received a Verification of Debt letter in the mail that was not signed by me and does not belong to me. This company is trying to collect on a debt that does not belong to me.
Consumer complaint received 2019-10-21
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. (CO)

The company XXXX XXXX XXXX continues to report a debt discharged in bankruptcy as open. When I called the company regarding this recently they said they knew it was discharged but that they would continue to report the debt on my credit report as a {$0.00} open delinquency. When I told them that this in violation of Federal bankruptcy law and the FCRA they said they knew and didnt care. I have so many communications from them where they admit to violating the laws the penalties are going be numerous. Transunion is at fault because they continue to let this debtor break the law. Debts discharged in bankruptcy should not be appear as active delinquencies with a current negative pay status on a credit report. Customer services behavior and refusal to remedy the issue even when given supporting evidence has been discriminatory. My husband who is white also filed bankruptcy with me and all items were fixed immediately.
Consumer complaint received 2023-10-25
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. (NJ)

This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Main Street Personal Finance (LA)

XXXX XXXX in XXXX XXXX, has called me as a collection/private agency between XX/XX/XXXX threaten me and my family member saying they have cops on the way to serve me paper to have me arrest. Looking up my father information his social security, and giving it over the phone to other. tell my family they have them subpoena to testify on their behalf.
Consumer complaint received 2017-06-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST COMMUNITY MORTGAGE, INC. (GA)

I applied for an FHA Home loan with First Community Mortgage Inc. on  XX/XX/XXXX . The Lender that responded back was   XXXX   XXXX   ( NMLS Originator ID Number  XXXX  ). After   XXXX   XXXX   and I had been in contact with each other about moving forward with the home loan process, and myself needing to do somethings in order to move forward. I finally received my pre approval letter for a loan amount of {$190000.00} from   XXXX   XXXX    on  XX/XX/XXXX , and it stated that I had 90 days to purchase my home or I would have to restart the process after the 90 days. I started my search for my new home, and i was lucky enough to find one on  XX/XX/XXXX , and put a pending contract on it. I put my earnest money down and paid to have the home inspected, after being in contact with   XXXX   XXXX  , he had me signing my loan documents, sending authorizations for the appraisal, and sending in documentations of my down payment, bank statements, Social security card, Drivers License all for me to receive a letter form   XXXX   XXXX  , whom I do not know or have ever met or spoke to ever, to send me a letter and say that my loan was denied on XX/XX/XXXX . After I had paid and invested my time and money. I was totally devastated and and broken from this loss. I invested and loss my time and money during this unjustifiable situation. I have all of my documentations, and correspondence from this transaction.
Consumer complaint received 2017-06-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (TX)

I purchased a vehicle and was given a due date of the XXXX of every month.XXXX/XXXX/XXXX I called them and advised them I get paid on the XXXX of every month. I asked if I could change my due date. They said yes after the XXXX installment is made. I said ok. On Monday XXXX/XXXX/XXXX I made the payment online. I received a call around XXXX later that day and was asked for my last 4 of my ss #, full name, adrs, etc ... .. I told them I did n't feel comfortable doing that since I already made the payment online. I understand a call the same day if the number was already loaded into a phone dialer. So I called back and asked if they called and explained the situation. The guy who answered the call advised me that I would not get anymore calls, and made notes about the payment online as well as emailed me a payment date change form. Tuesday XXXX/XXXX/XXXX, I was n't comfortable giving my info out so I asked for a supervisor, I was transferred to another agent instead. I told the agent I wanted to speak to a supervisor, they refused said they were n't available. I told them I was at work and could wait any longer. I told her the whole situation, she advised me that a supervisor would call me back. I never received a return call. XXXX/XXXX/XXXX I still get a call.. I 'm being told for the third time that I will not receive calls anymore.
Consumer complaint received 2017-06-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sentry Credit, Inc. (WA)

I have been receiving calls from collection agency regarding an ambulance bill from XXXX WA Fire Dept. I have repeatedly asked them to not call my work phone. I have repeatedly requested that they mail a letter showing the original service date ( s ) and they have mailed anything.
Consumer complaint received 2021-08-13
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. (PA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (UT)

OUR MORGAGE WAS SOLD TO DITECH AND SINCE WE HAVE HAD NOTHING BUT ISSUES. WE CONTINUALLY HAVE TO CALL THEM ABOUT OUR ESCROW ACCOUNT THAT WE NEVER HAVE SET UP. WE PAY OUR OWN TAXES AND INSURANCE. WE WILL MAKE THE REGULAR PAYMENY  ONE  MONTH AND THE NEXT IT HAS JUMPED TO OVER 300 $ MORE. THEY SAY ITS A INCREASE ON OUR ESCROW. WE HAVE SENT PROOF TO THIS COMPANY TWICE WITH A STATEMANT FROM OUR INSURANCE AGENT. THAT RESULTED IN THEM PAYING OUR INSURANCE. OUR INSURANCE AGENT CONTACTED DITECH ON THE MISTAKE AND SENT PROOF AGAIN OF PERSONAL PAYMENT. OUR INSURANCE COMPANY SENT THE PAYMENT BACK. THE MONTH OF  XXXX  WAS CORRECT BUT THE MONTH OF  XXXX  AND  XXXX  IS NOT. THIS IS AFFECTING OUR CREDIT. WE ARE TRYING TO GET OUT OF THIS LOAN WITH THIS COMPANY AND OUR PAYMENT HISTORY WITH DITECH IS THE REASON WE CAN NOT. I WILL NOT PAY THEM MONEY I DO NOT OWE JUST TO SAVE MY CREDIT. THEY ARE AT FAULT AND IM NOT SO SURE THEY WILL REFUND ME IF I DO OVER  PAY.THIS  PROBLEM HAS BEEN GOING ON SINCE  XXXX    XXXX  . THEY FIX IT AND IT REVERTS BACK AND WE HAVE TO FIGHT THEM TO CHANGE IT.
Consumer complaint received 2017-06-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

On  XXXX / XXXX /  XXXX   I made a payment toward my government loan account of {$40.00}. I added my checking account on the Navient site to make it easier to pay the government loans. I also have  2  private loans with  Navient  that have defaulted, Im working to get them settled with an outside agency. However on  XXXX / XXXX /  XXXX   the private sector decided to withdrawal {$16000.00} from my checking account ( of course I do n't have that amount in there  ) a nd I 'm currently overdrawn at my bank over {$15000.00}! I called Navient to get this resolved and I get NOTHING. I have to report this as fraud to my bank because it was NEVER authorized
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in this unauthorized credit inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-19
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 was to added to a XXXX XXXX Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a XXXX XXXX Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from my account.
Consumer complaint received 2017-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

Started many programs with Navient to which each year something changes. This time was n't aware the income based repayment program had to be renewed each year. Now they 're telling me that I have to add {$420.00} dollars in interest more to my loan in order to forbearance or it takes 15 days for them to renew my terms. I 'm not trying to keep sending my information every year, I 'm frustrated and want to hurry up pay off my loan. I 'm tired of paying fees and paying for these loans and they are not going anywhere, just seems like they are adding up.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

We opened a Chase/XXXX credit card on X/XX/17 after receiving multiple email offers and promotions and a mailer Offering XXXX miles to open the credit card and XXXX additional miles to add a second person on the card and spend {$3000.00} within the first three months. We complied with these requirements within the first month. We were told multiple times by mail, fax and on the phone that we are only available to get XXXX miles. We are still getting email offers for XXXX miles. This looks like an obvious bait and switch.
Consumer complaint received 2018-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (MD)

Letter of Complaint Against Western Union Agents in XXXX  There is an ongoing practice by Western Union Agents in XXXX that is bad business practice. XXXX Western Union Agents convert 25 % of Recipients funds into a XXXX  Currency that is widely unaccepted by merchants, businesses and individuals in the Country. This means that Recipients are losing 25 % of their funds, because the converted currency is not widely accepted. While Western Union Receipt clearly indicates that for all transfers, receiver may receive less due to foreign tax, in the case of XXXX, it is not a foreign tax. Is Western Union aware of the forced conversion of 25 % of transfers to XXXX   Currency by Western Union Agents in XXXX  that is not widely accepted as legal tender in XXXX? Why isnt the 25 % conversion indicated on Western Unions Receipt?

I would appreciate that in the name of good business practice, XXXX  Western Union Agents either declare that it is a tax, and that converted transfers enjoy the same rights as a legal tender in all of Liberia, before forced conversion of transfers continues. As it stands, Senders and Recipients are being short-changed. That is, the converted funds can not be used, or will be devalued by over 25 % to be accepted by businesses. Can Western Union do something about this scheme by Western Union Agents and XXXX  Government? Lots of XXXX   on social media are fed up with this arrangement by Western Union and other money transfer Agents in XXXX.

Thanks for your prompt response.

Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2017-06-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc. (FL)

received a call from an unidentified collector, she askd my name, and addy, I adv her was me but diff address, asked her if she can see the notes, she aske dme if I was gon na pay my debt, I asked her to give me the mini Miranda, and let me know the call is recorded, she responded that she does n't have to give tome because I interrupted her, I asked for a manager I got XXXX XXXX he aske dme for last 4 of ssi, dob and addy, 1st and last name then mini Miranda, he did it correct, I explaine dot him what happened his tone was not very pleasant, mad eme feel as if I was wrong somehow for wanting my rights as a consumer, he gave me the addy and phone # but said he does n't know the lady name who broke the fdcpa, I asked fo rmy loan to be forgivin in exchange for the breach of my privacy and rights he chuckled and sd he will let someone know, this is my 3rd time speak with thme last 2 times I asked for a vod and disputed till I got proof never got it.
Consumer complaint received 2018-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

PayPal took out money from my account without any notice. Here is the story. I sold my tennis racquet on XX/XX/2017 with the restriction of no return. However, the buyer requested for the return to XXXX and XXXX  gave a favor to the buy without any investigation of the case. I made a complaint to the XXXX and we finally agreed that I accepted the refund and gave a money back on XX/XX/XXXX. At that time, I had {$0.00} balance on my PayPal account, so I transferred the money from my bank account and refunded the money. 3 months after, PayPal, all of sudden, took the same money amount out of from my PayPal account. The invoice was not issued to me. No notice!!! I called the customer service, but they can not find the root cause of the issue. I had to spend hours to explain the situation such as providing transaction ids. But, they has not given my money back yet, and nI believe they are not able to find the root cause. This company is making unauthorized transaction without any consent from their customers! If the company can not track the financial transaction, the company needs to be closely reviewed their financial transaction platform to make sure so that they have a capable of providing a such service to the customer. My issue has not been resolved yet, and I hope CFPB to initiate the investigation so PayPal can address the issue better going forward.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OK)

I paid a bill online and inadvertently sent a payment to my Williams-Sonoma Visa card instead of my Rapid Rewards Visa. I had charges for a four person trip to XXXX in my Rapids Rewards Visa and intended to send {$12000.00} to my XXXX XXXX Rapid Rewards Card. I received an e-mail from Williams-Sonoma Visa on XXXX XXXX to acknowledge my payment. I notified them immediately and it was agreed I now had a XXXX credit balance. I have called several times and have been told that the money was not actually in the W-S account because it takes a long time to clear the bank. It is now XXXX XXXX. I need this money to pay the account I actually owe. I feel W-S is keeping my money as long as they possibly can when I do not owe them any money.
Consumer complaint received 2017-06-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nathan & Nathan, P.C. (GA)

Last year Nathan and Nathan filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday X/XX/17 that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

I opened a checking account with Citizens Bank with a promotional coupon that promised to give me a {$200.00} bonus if I met the terms. The terms were to set up direct deposit and have one direct deposit of {$500.00} or more, to not have been a primary signer on another checking account in the past 6 months, and to have an account in good standing. All of these terms were met, and I called the bank repeatedly after the 3 months that they told me it would take to receive the bonus. I have not received the bonus after more than 6 months.
Consumer complaint received 2021-08-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Sylvania Acceptance Corporation (OH)

I received a notification on my Credit Report from Universal Acceptance. I called because they had put it as I was trying to buy a car. I called and said it was illegal because I was not trying to buy a car from them. This year a week ago it fell off my credit report and I have been making XXXX dollar payments every since she made it as though I was trying to get a car and pulled my credit report. They are in violation of my FCRA rights, they regard the debt threatened me to take me to court and garnish my checks, and the debt is out of the SOL ( statue of limitations ) in Ohio. The debt shouldnt have been collected any further.
Consumer complaint received 2017-07-13
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. (GA)

Navient purposefully refused to disclose the procedure for the removal of a co-signer on my Private Student Loans. That deception has negatively impacted both my credit and my co-signers credit.