davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

My federal student loan repayment administrator, XXXX, has been overcharging me for the last three months by adding a charge labeled an " Additional Amount Requested '' ( which I am not requesting ) to the amount my bank account is auto-debited each month. 

Each month, my online XXXX account says my monthly payment is set, and the " additional amount requested '' field is set to {$0.00}. Then I get an email from XXXX that says I will be charged an " additional amount requested, '' bringing the total to be debited to $ 40-50 above my agreed upon direct debit per month. Images attached document this discrepancy for XX/XX/XXXX.

The specific inflated charges are : XX/XX/XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' charged : {$53.00} ; total charged on XX/XX/2019 : {$160.00} ( + {$54.00} from direct debit agreement ) XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' charged : {$53.00} ; total charged on XX/XX/2019 : {$160.00} ( + {$54.00} from direct debit agreement ) XX/XX/XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' to be charged, per email on XX/XX/19 : {$43.00} ; total XXXX said via email was to be charged on XX/XX/2019 : {$150.00} ( + {$44.00} from direct debit agreement ) ( XX/XX/XXXX XX/XX/19 direct debit payment suspended by XXXX phone representative ; one-time payment arranged instead ).

I have emailed and called XXXX to resolve this issue multiple times. In XX/XX/XXXX, I received the response below saying the issue would be fixed ( image attached ). Instead, I was overbilled another {$54.00} in XX/XX/XXXX, and the company did not respond to an email complaint. On XX/XX/XXXX, when I received an email notifying me that I would be overbilled another {$44.00}, I spoke to two customer service representatives by phone who were unable to tell me why I was being overcharged. A representative instead put my direct debit on suspension, meaning I lose the lower .25 % interest rate promised with direct debit.
Consumer complaint received 2019-03-13
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. (MI)

My XXXX XXXX University Perkins Loans were transferred to the XXXX   XXXX XXXX XXXX  in XX/XX/XXXX. These loans for these exact amounts : {$1100.00}, {$600.00} and {$300.00} were already on my 3 credit reports from XX/XX/XXXX-XX/XX/XXXX. After they were sold to the XXXX  XXXX  XXXX XXXX, they resubmitted these same loans as NEW debt to my XXXX  and Transunion credit reports. The loans went into default in XX/XX/XXXX! I have not returned to college and these are old loans, still being garnished. 

Per the Fair Credit Reporting Act ( Federal law ) derogatory accounts can only show for 7-years from the date of first delinquency which works out to 7-years and 180-days. My name is XXXX XXXX. XXXX, my SSN # is XXXX. My XXXX   XXXX XXXX XXXX Account # is XXXX. I attended XXXX   XXXX University from XX/XX/XXXX-XX/XX/XXXX. My student loans went into default in XX/XX/XXXX. My paychecks have been garnished from XX/XX/XXXX-present by the XXXX XXXX XXXX XXXX   but that does not make these new accounts. All of the following loan servicers have been on my credit report in the past : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX University Perkins Loans. All were on my account for 7.5+ years with the last XXXX XXXX falling off in XX/XX/XXXX. I have not attended college since XX/XX/XXXX, so there are no new loans.
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OR)

In XXXX of XXXX I decided it was time to repair my credit and buy a house. I had several outstanding credit card collections that needed to be paid off. 
Midland Funding LLC had three of those collections. In order to pay off all my collections I took out a high interest personal loan at the end of XX/XX/XXXX. On XX/XX/XXXX I called every single collection agency on my credit report and paid every one of them with the exception of the one in question. 
On XX/XX/XXXX I paid Midland Funding LLC for 2 of the three collection accounts. 
First one was for {$290.00} and the second was for {$740.00}. 
The 3rd one I couldn't pay, they told me that because it was already entered in a Judgment, they couldn't receive payment. I called every payday from XXXX until the end of XXXX trying to pay this debt and finish my credit repair. Every time I called I was told its still in the legal department and can't make a payment. At this point I was starting to get upset and frustrated with Midland Funding. In early XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX of XXXX County in XXXX Arizona stating the Midland Funding LLC " acknowledges receipt of goods '' and was " a full satisfaction of judgment ''. 
Fast forward to today, XX/XX/XXXX, I am in the middle of a home purchase where escrow closes on XX/XX/XXXX and my lender called me to say Midland Funding is now saying I owe them {$1200.00}. We ( mortgage company and me ) thought that with the letter from the court they would fix this. I argued on the phone with a Midland Funding rep for over an hour. I finally was so upset that I said I would just pay the balance because I need to get this fixed so I can move forward with my home purchase. I was then transferred to XXXX, what they keep calling the legal department at Midland Funding. I explained to the new representative that I just wanted to pay the balance. He looked up my account and then asked " you live in Oregon? '' I said " yes ''. He then proceeds to tell me that he can not accept payment because XXXX is not authorized to collect in Oregon. 
I am making this complaint because it is urgent that this is taken care of or my home purchase could fall through and I already gave my landlord my 30 day notice back on the XXXX of XXXX. I am desperate and have really been trying to pay this for almost a year.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I check all 3 credit report companies everyday - sometime as many as 3 times per day. I am very aware of my credit scores. 3 times now my score on Equifax has dropped dramatically for absolutely no reason. I checked everything on the reports. This last week XX/XX/XXXX the equifax dropped 42 points. The only thing that changed was several accounts showed lower credit card balances. I checked all parts of the report, accounts, balances, inquirys, payments, lates, nothing changed at all. It was the exact same report as the past few weeks, only change was the equfax score dropped 42 points. When contacting I was told that its just the way it is and nothing can be done to fix the problem. Also the score has always been within a few points of XXXX XXXX. XXXX XXXX is now 40 points higher. Nothing is different and there is no reason the score should drop and they have no reason it was lowered and will not change it back nor do anything more to help me.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NC)

I purchased an item ; returned the item ; received confirmation that the item was received and I had a refund but the refund never showed or clear out my balance. I've called the company several times and bank that housed the card several times and I can't get anyone to credit the account. I keep receiving bills and the balance is occurring late fees. I am tempted to pay the balance to keep from it showing on my credit report. 

XXXX XXXX - XXXX XXXX  {$37.00} XXXX XX/XX/2018
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

In XXXX XXXX I found unauthorized transactions to XXXX XXXX from our Huntington Bank checking account that were paid in addition to our authorized payments in XXXX XXXX. The withdrawals appeared to begin in XXXX. I contacted XXXX XXXX and was informed that they just follow customer 's requests and did not bother to make sure the appropriate account was debited. I then contacted Huntington Bank customer services and was given the same response. So, I created reports from XXXX and Huntington to prove that the second transactions were fraudulent, not paid to our XXXX account and spoke with a branch representative in mid-XXXX. He completed a bank form, I signed it and attached to the bank form. After not receiving information after almost 3 weeks, I contacted the branch and the representative apologized and promised to follow up. He called back a couple days later and explained that the request had not been addressed, and promised to get it to processing. After another 3 weeks I called again, received no response until another 3 weeks later I received a letter that totally ignored the issue and stated that XXXX stated that we had authorized the auto payments upon opening the account. However, our authorization was related to payments for OUR bills, not some thief that stole our account number.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Velocity Portfolio Group (GA)

A family friend opened a Credit Card account without my permission. And I didn't know of the account until I received a letter in the Mail stating that I owe {$970.00}. I don't even have a Job so why would I apply for a Credit Card when I know I wouldn't be able to pay it back. The account was opened without my knowledge of it and I tried to explain that to the company but they rejected my dispute and still trying to collect money that I don't owe them cause I didn't create the account.
Consumer complaint received 2020-09-22
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. (AL)

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR
Consumer complaint received 2023-03-02
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: BARCLAYS BANK DELAWARE (NY)

Re : XXXX  XXXX Restuarant week promotion sponsored by Mastercard from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX The complaint is in regards to a promotion that was sponsored and advertised by Mastercard on XXXX Government and various other websites. 
https : XXXXweek Special promotion for Mastercard holders XXXX get {$10.00} back when you spend {$45.00} or more in a single transaction during XXXX Restaurant Week. To participate, enroll any eligible Mastercard to receive a {$10.00} statement credit. Takeout and delivery are not eligible for the promotion. 

ALL the requirements have been met and I have yet to receive my {$10.00} credit I have tried calling numerous times as well as spoken to Barclays ( the servicing Bank ) and Priceless multiple times to no avail. 

None of the agents knew what I was talking about in regards to any promotion ( 14 documented calls ). 

So, one of two things occurred : - The advertising on the various websites is fraudulent OR - Mastercard is not honoring ( or is even aware ) of the promotion which is very concerning and could be potentially widespread impacting numerous consumers.

Getting this issue resolved or even having Mastercard actually know about the promotion has been extremely frustrating to say the least!! 

I was provided a complaint # XXXX and and to date have not received a response. 

Followed up with an e-mail to XXXX ( as provided by the promo offer ) on XX/XX/ and have not received a response from Mastercard or Priceless.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My usual banker, XXXX XXXX, was out on XXXX leave, so I was forced to go the branch XXXX, XXXX for a copy of my mortgage loan papers. when she asked me, in her usual sarcastic tone, 'is the loan with Chase XXXX, I replied in the same tone, 'oh no, it's with XXXX XXXX XXXX XXXX I go there '? XXXX gave me a strange look and I then replied in her same sarcastic tone, 'Of course it's with Chase XXXX XXXX otherwise why would I be here '? 
She sat down at her computer and replied that she could not find any loan in my name. I was forced to go to another branch, where the bank XXXX found the paperwork in 30 seconds. 
When I returned to the branch a few days later I was informed that all my accounts had been closed. 
When I asked XXXX if she had done this - she replied that she had ; when I question her on why - she again sarcastically said " for bad behavior!! '' This included all my checking accounts, my credit card accounts, and my JPMorgan on line XXXX  account. 
What horror this has caused me ; at my age to start all my banking history, to have auto payments negated, to have credit cards closed where I was accruing airline mileage points ; all because I would not tolerate XXXX 's sarcasm. 
I took this up with XXXX 's superior, XXXX XXXX, whom although she showed some sympathy for my story, said that she find some documents that there were other reports of my 'bad behavior. These reports were never shown or explained to me. I can only assure you that there were never any incidence of malice, bad language or any display of threating behavior, insulting behavior or any of the slightest indication of physical threat or harm. 
I have always been quite generous with each banker that I have been in contact ; from supplying needed food products during this Corvid pandemic, to bringing different sweets and little thanks you gifts for their service to me. I feel this action was so over the the boundary of institutional behavior and was initiated only because XXXX never showed the slightest bit of respect or courtesy to me., Was it my religion, my age, or my obvious preference for anyone but her to help me as her brazenness was always a factor in her dealing with me. 
There were many other instances as well. That was the most heartbreaking one as I've been a loyal customer for years and that woman out of nowhere shut down all my bank accounts for no reason whatsoever. Another incident just to give an example was she made me walk all the way back home because I didn't have a mask, when I knew that she had a supply to give to her customers and even saw her hand it to other customers in front of me, but never showed me the same courtesy and treatment.
Consumer complaint received 2020-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (CA)

American Education Services continues to make harrassing phone calls to my house, sometimes inappropriately in the early morning. Even after customer service has repeatedly assured they will stop calling my number, the harrassing phone calls do not stop. I would like to be put on their Do Not Call list.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The record on my credit report with Experian is incorrect. 
The detail is : Reporting Company : Experian Report Number : XXXX Information providing company Name : XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Department Phone No : ( XXXX ) XXXX Problem and inaccurate information : Shows account closed. Inaccurate information is hurting my credit. The following inaccurately furnished information is maintained by Experian must immediately be corrected in their record : 1. Experian Report Number : XXXX I have NEVER OPENED any credit card account with XXXX at all. It shows account in CLOSED status. Please remove this items immediately from my credit account. 


2. The Experian also maintaining inaccurately reported address - a post office address XXXX XXXX XXXX XXXX, GA XXXX I do not and have never lived at the post office address. Experian did not remove this inaccurate information. 

There is no report number listed for the above post office address. 


3. My name is also reported incorrectly - Experian did not remove this inaccurate information. I had sent Experian copy of ID issued by Government, and W2, Utilities bills with my name on them : Name ID # XXXX Report Number XXXX XXXX XXXX XXXX Name ID # XXXX Report Number XXXX XXXX XXXX Above inaccurately reported name must be removed immediately
Consumer complaint received 2021-05-24
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. (IN)

Those elaborate mechanisms congress mention in 15 U.S.C 1681 are causing me great stress by reporting inaccurate and unverifiable accounts { XXXX XXXX } on my reports. I have been sending disputes in for over a year. XXXX  finally removed the accounts, EXPERIAN and XXXX  failed to do the same. Im learning that I have been taking advantage of and I am seeking litigation.
Consumer complaint received 2021-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My complaint is pursuant to my recent Notice of Intent to Sue, which was sent to TransUnion in XX/XX/2021. TransUnion is reporting several inaccurate items on my credit report, which I have made countless attempts to correct so far to date. Said 'Notice of Intent to Sue ' ( NIS ) specifically demanded that several disputed items be removed from my report. This came after TransUnion ignored a prior letter demanding evidence and/or documentation of the inaccurate items on my consumer report, and failed to respond. The Fair Credit Reporting Act ( FCRA ) only allows for a maximum of 30 days for a dispute to be resolved. Failing to resolve a dispute in that timeframe, and/or failing to provide requested documentation pursuant to Sect. 609 of the FCRA can result in a {$1000.00} fine per unresolved item.

As per the US Postal Service, my demand letter was picked up by TransUnion on XX/XX/2021 and the Post Office in XXXX, Pennsylvania. This began a 30 day timeframe for TransUnion to resolve my dispute. This timeframe elapsed on XX/XX/2021. As of now, TransUnion is now in violation of the FCRA and is not only legally compelled to make the corrections, but is also now liable for civil penalties associated with an FCRA violation.
Consumer complaint received 2020-12-02
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. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ADDRESSES ARE NOT MINE. *** FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Paid, Closed. {$640.00} written off. 
XXXX XXXX XXXX Open. {$670.00} past due as of XX/XX/2020. < -- -- - ACCOUNTS NOT MINE FCRA Violation.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (OR)

Barclays card USA : XX/XX/XXXX activated card I received and tried to use. Wouldnt go through. Called customer service and got rep. Said card was fine I kept on line and tried to use it, it was declined again. Rep transferred me and I was on hold for 1.5 hours and no one picked up. Used another card to make purchase. Tried using it again XX/XX/XXXX and declined. Tried to call was on hold for 25 minutes before I hung up. I have other access to funds but what if I needed this card in emergency? They are clearly running bare bones call center staff and its impossible to get actual help
Consumer complaint received 2021-04-12
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. (GA)

Upon checking my credit on XX/XX/XXXX, I see an account reported to Equifax. This account is not mines. I reached out to the original creditor XXXX  fraud department on XX/XX/XXXX and they told me that they have no knowledge of this account being reported to my credit to equifax or any other collection agency. They have no records of it The information was not furnished by them. 

Collection Agency XXXX XXXX , XXXX . 
Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # 32 Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX WA XXXX I reported identity theft to the FTC on XX/XX/XXXX the reference # XXXX