davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

Something is wrong with the way American Express in billing me, this never happened in the past, it's lately I am seeing this happening. 

In reference to my previous complaint no. XXXX, I see the same issue getting repeated over and over again. I recently made a purchase of AUD XXXX ( USD {$180.00} ) on XXXX. I made the payment of {$180.00} back to my AMEX card within minutes after the purchase. 48 hours later Amex increases the purchase price by an additional XXXX cents bringing the total purchase amount to {$180.00}. 

When the card is swiped in a foreign country in a different currency, Amex would convert the currency to it's equivalent USD amount in REAL TIME, and that USD amount would show in my transaction list. Then why are you doing this!? There is no foreign transaction fee in this card, then why are you raising the purchase price 48 hours after the purchase!? This got repeated two times in a row. 

This can't continue or I'll have to stop using this card.
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: NATIONAL NETWORK NEGOTIATOR'S INC. (MN)

I received an email from  National Network Negotiators re questing an information release form so that they could update my information. That information would update, my information, so that they could collect the {$300.00} left on my {$750.00} bill for filing my paperwork. When I contacted my provider,  XXXX , they informed me that there are no fees for filing the paperwork. They did not have the names or numbers that I was given . National Network Negotiators e mailed me the names  XXXX   XXXX ,  XXXX  main,  XXXX  direct,  XXXX  Fax,  XXXX  XXXX  XXXX , also  XXXX   XXXX . In the information release form it had information on it that was not mine. I was suppose to sign it and send it back.
Consumer complaint received 2024-03-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

I bought a concert ticket on XXXX for XX/XX/2024 not realizing this was in XXXX XXXX which is over XXXX miles from where I live. My inte tion was to buy a ticket for XX/XX/2024 in XXXX TX. XXXX has access to my location, therefore, I am not sure why I will offered to buy tickets to a location more than XXXX miles away. I contacted XXXX right away to see an option to change venues or get a refund and they refused. Please note I was never given terms and conditions when buying the ticket. I requested proof of these and they never provided this. 
I then requested a disputw to XXXX XXXXnor Cashapp but it looks they allow a machine or AI to make such decision with very default emails and no human interactions.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management I called the collection agency on XX/XX/2024 and I spoke to a lady I asked her to give me the acct number and the right amount of this collection and she refused several times and also told me they no longer were the ones dealing with this the amounts are different she refused to give me her name and employee ID also I have disputed this several times and even called the credit beauros and nothing has been done about this I just want it removed from my credit report due to this issue
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (CA)

I requested a deferment from MOHELA and provided XXXX letters from my physician and my mental health professional at the Department of Veterans Affairs certifying my unemployability due to XXXX. To date, MOHELA never provided me with a decision on my request for deferment. Instead, MOHELA responded with repeated demands for payment by email, robocalls, and collection calls. 

When no decision on my request for deferment was received, I followed up with another letter asking for a decision on my deferment request and asking for the harassment to stop, attaching my first letter along with the accompanying physician and mental health professional notes. 

Several months after my initial request, MOHELA sent me a letter suggesting that I apply for deferment and did not acknowledge my outstanding request for deferment or the letters from my health professionals. It was clear that MOHELA does not intend to actually take action on any requests for deferment but only pretends to provide that option for lenders.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I used equifax website to initiate credit freeze approximately 6-9 months ago. I received a letter shortly after telling me that they needed more ID sent certified mail to initiate the freeze. I never sent the information back to them. 
This week I was informed by a bank that I would like to open a CD account with that I do have a freeze on my account and they needed me to unfreeze it to check my credit and open the CD account. I called equifax they told me to open a lock and alert account, which I did, but can't log into-they say there having tech problems.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2014 XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But XXXX  and Transunion will not remove it.
Consumer complaint received 2017-09-02
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. (CA)

I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WI)

XXXX XXXX has illegal re aged my account that they had purchased from XXXX XXXX XXXX in the amount of {$480.00}. I paid this account in full as of XX/XX/2018. When I called and spoke with XXXX XXXX on XX/XX/XXXX, the representative told me that they " report monthly '' which is also a direct violation, as I never had a contract with XXXX and they are a collection company and can not report monthly. On XX/XX/XXXX, I had called and spoken with the credit bureaus when I pulled my credit report and also found out that XXXX XXXX had illegally re aged my account to a later date.
Consumer complaint received 2017-09-02
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. (NJ)

I am a victim of identity theft There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from my credit file.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (TX)

AWA debt collections are in the wrong. The fee continues to rise at XXXX  dollars. I don't owe them anything. I'm willing to pay XXXX if I need to. But it's postposterous to be owing a debt collector money and I have not made an agreement to owe them anything.
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX.
Consumer complaint received 2017-09-02
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. (VA)

XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as ofXX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Consumer complaint received 2021-06-23
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: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I got this acount that does not belong to me and i want it to be remove from my credit report asap. 

1. Identity Theft SANTANDER BK Account Number : XXXX This is not mine.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I realized that my daughter never received bills for her student loans for her XXXX program through Navient. She graduated in XX/XX/XXXX. 
I called Navient to take the loans out of deferment and they told me they were unable to do so since she was enrolled in XXXX XXXX. 
When I asked to speak to a supervisor ( XXXX at XXXX ) he repeated that could not take the loans out of deferment until they were notified by the XXXX program that school was complete and there had been a 6 month grace period. I would like to start payments on loans immediately - it seems crazy that they want to keep student loans from XX/XX/XXXX in deferment.
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (NY)

I was contacted on XXXX XXXX, XXXX at XXXX pm in the afternoon by IQ Data International and was told I owe money for a debt and that I should pay you or it will go on my credit report. I told your IQ Data International I was completely unaware of any debt owed and had not received a bill, notice, or information about supposed debt of any kind. IQ Data International representative XXXX told me they had sent a notice and he confirmed my mailing address which was accurate. I told him to resend it as I obviously did not receive it and I would get in touch with the alleged party who said I owed this debt and had passed supposed debt onto your collection agency. 
It is now XXXX XXXX, XXXX and I received an alert from my credit monitoring service that a derogatory collection account had been placed on my credit report from IQ Data International. I called back IQ Data International again and spoke to XXXX who said they had resent a bill. I told him I still have not received a bill of any kind from IQ Data International and asked him to send the bill certified mail so I can have proof it was sent, XXXX said your IQ Data International does not do that. I also asked to have it sent COD or any other means which I will pay for, once again XXXX said your IQ Data International does not do that. So I still have no idea what this supposed debt is for. IQ Data International fails to send any documentation and when requested to send it via provable means they refuse. Instead they put an unvalidated collection account on my credit report, damaging my families financial future, which will possibly cost me tens of thousands of dollars in extra interest over the years, declined mortgage/car loan applications, and even affect my employment and future employment opportunities. I owe. In my opinion this is the financial version of extortion and certainly is not FAIR debt collection practices by any means, on the contrary, it seems illegal. 
By law I was to receive a detailed validation notice of supposed debt within 5 days after initial contact. It is now over 35 days past the first contact and I have yet to receive anything. And full well knowing I have not received this, IQ Data International still went ahead and posted this 'supposed ' debt on my credit report. Worse yet, I have made good faith efforts and reasonable attempts to try to even find out what this debt is for, yet your IQ Data International has not sent me anything while continuing to harass me with phone calls causing me severe anxiety, stress, and a feeling of helplessness. Is it not fair to know what a debt is for before paying it? Why do I own the burden of proof here?
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I took out loans to cover my XXXX and XXXX XXXX education. After XXXX XXXX, I was hired by the Federal Government, consolidated my loans, applied for and was accepted into the Public Service Loan Forgiveness Plan ( PSLF ). My loans were transferred from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX ).  Before transfer, I was on a Pay-As-You-Earn plan, based on my salary. Payments were made monthly by auto-pay, without any problems. On XXXX XXXX, XXXX, the loans were officially transferred from XXXX to XXXX. From XXXX, XXXX, XXXX billed me XXXX dollars. I made several phone calls, send several emails, and involved the Department of Education to get them to correct my monthly bill so that I could pay them the money they should have been collecting. During at least one of my calls with XXXX, I was told that because I was paying the amount listed on my bill ( {$0.00} ), those months would count for PSLF. I believe they also told me I would not need to reimburse them for those back months once the amount was corrected, but I am less certain of that than I am of their statements on the non-payment months counting towards my PSLF total months employed. They claim their calls are recorded, so they should have records of this call. In XXXX, my bill showed my correct monthly payment. My hours of work trying to get them to accept that I did in fact owe money was finally successful. I assumed the ordeal of trying to get a loan holder to collect money in a sensical manner was finally over. 
Unfortunately, the next month, XXXX XXXX, my bill had the entire owed amount from XXXX. I was not notified of it until they informed me it would be sent to collections if unpaid. I immediately paid the bill, and the next morning, called XXXX. XXXX refused to take responsibility for the mistake, but did agree to put my loan into forebearance without interest penalty for the XXXX months that they claimed I owed, which I was informed would pull those months off, and then in XXXX I would resume payment as normal, without a change to my overall balance, or effect to PSLF ( IE, my balance would remain the same, it would be like they really had billed me {$0.00} for those months, which is exactly what they had done ). I once again, assumed that this matter was settled. 
Today, I received yet another call. XXXX informed me that I have 3 months to pay the full amount owed for XXXX, or I will not receive credit for the months, despite their former statements over the phone. I am absolutely sick of wasting time trying to pay my loan under the terms. They threatened to take me to collections over a change they unilaterally made. They keep changing how theyre administering the repayment of my loan. Is there anything that can be done to force them to maintain some consistency and fairness? 

Message CC : United States Consumer Finance Protection Bureau United States Department of Education Maryland Represenative XXXX XXXX
Consumer complaint received 2017-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (AZ)

The debt collector, XXXX XXXX XXXX XXXX is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CO)

I sent my mother XXXX dollars on cashapp. My phone auto corrected the description to a foreign city. I realize that this city would be a red flag and may deserve scrutinizing. However I as the customer do not deserve to be demeaned in the manner that this was handled. Threatening actions taken against me and my money or the money I am sending to my mother. A person who is and has been a cashapp customer for years. Not to mention asking me to agree to something that Ive already agreed to when I have done nothing wrong. The way this was handled is poor and unacceptable. As a customer I feel targeted and singled out by a financial institution for their own inability to prevent fraud or illegal activities from happening.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (TX)

On XX/XX/XXXX I noticed an escrow refund was issued from the account and a significantly reduced escrow analysis was completed. 

Upon closer review Flagstar Mortgage had made no payments for XXXX  property taxes. Their new escrow analysis was also based around them paying no property taxes for XXXX  either. 

I am now delinquent on my property taxes as a result of Flagstar poor management of the escrow account. 

Despite contacting them 3 separate times they have made no payments on the outstanding tax balance and have provided no information on how this occured or why no progress has been made.
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (TX)

Account #  XXXX  and  XXXX  I called t oday     XXXX 17   at  XXXX   XXXX  ad spoke with  XXXX   XXXX  about  XXXX  accounts that they have and get validation the debt.  XXXX  stated they have no physical documentation in their possession to provide me stating that I own this debt and am responsible for this debt. She asked me to call the original creditor which I did before calling CCS. They stated that they no longer own the debt and all the information was transferred to CCS.     CCS is violating my rights under the FCRA by their unwillingness to furnish information validating the debt that they are trying to collect on. I do intend on filing a lawsuit for violation of my rights if this information ca n't be validated to me in writing.
Consumer complaint received 2017-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (GA)

Great Lakes is my student loan servicer and my loan ( Dir Stafford Sub and Unsub ) is currently past due because they used unethical and illegal means of denying me access to the income driven repayment options available to me. Each time I tried to reapply/re-enroll in the income driven program that I was already enrolled in, their website would not allow me access to the different sites that I was sent to. When I called customer service about this issue, I was told I would be sent paperwork in regards to the matter but did n't receive the paperwork so I could remain on the income-driven repayment options. On the last day of eligibility, one of their representatives called me and asked was I still interested in being enrolled in the income-driven repayment option and I told the person 'yes ' but nothing happened and a few days later, I was no longer enrolled and then the late/non-payments started being applied to my account and then it went on my credit history with the credit bureaus as non-payments when I am still eligible for the income-driven repayment options, but they would n't fix the issues with the website or send me any paperwork to keep my eligibility. Each time I 've spoken with them when they call about receiving payment, but no one at Great Lakes has fixed this issue. I need help here.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i checked my bank account and had a charge of {$26.00} from transunion on XX/XX/21. ive never even received a credit report from this company. i called their customer service & they told me my account is locked & they can not tell me what im being charged for. they told me to submit a bill with my name on it. i dont pay bills, im XXXX i have mo credit. if i have no credit, why am i being charged for a credit report i dont have? i cant even view the report there isnt one.