davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

My repayment of my student loan started on XX/XX/XXXX, and my loan has changed between three lenders ( according to my knowledge ) .XXXX to XXXX to Navient to XXXX then back to Navient XXXX When my loans switched lenders, the amount went up and since then i have been trying to request my full report of payments and balances. I have not been able to get the information i have requested for several years. It looks like they back charged me interest, even though i have been continually repaying on my loans since XX/XX/XXXX. After doing my own research on my account with Federal Student Aid : I found that I borrowed a total of {$51000.00} ( combination of one subsidized and one unsubsidized ) from XX/XX/XXXX to XX/XX/XXXX. My loans were consolidated on XX/XX/XXXX with the total being {$55000.00} and then consolidated again on XX/XX/XXXX with the total being {$53000.00}. According to Federal Student Aid I have paid a total of {$13000.00} from XX/XX/XXXX to date, but there is no record anywhere of my payments made from XX/XX/XXXX to XX/XX/XXXX. I have made 79 monthly payments since XX/XX/XXXX and by current balance as of today ( XX/XX/XXXX ) is {$50000.00}. I take full responsibility of repaying my loan, and i have been willingly trying to pay of my debt since XX/XX/XXXX. I am not trying to find any kind of forgiveness of my loan, but i believe that i have been cheated by XXXX and Navient.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (CA)

My business account is being manipulated by the bank so that when my checks come in to get paid, the bank freezes and holds the money without paying the check demands. In other works, they 're holding my checks for XXXX to XXXX days for security reasons and allowing electronic trsnsferes to bounce without covering the amounts, even when there is money in the account.
Consumer complaint received 2021-02-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

My wife and I wanted to refinance our mortgage and we contacted PennyMac to begin the process. We received our lower interest rate and understood that we will have a XXXX cash to close and about {$700.00} off of our monthly mortgage payment. Then, for some reason, the day before we were scheduled to close, we received a call saying that they changed the numbers of our closing to make it a {$800.00} cash to close and our monthly mortgage payment went up about {$100.00}. Then we had to start over again with setting up all of the numbers for our refinance and we got another statement saying that we will have a second attempt to close with a XXXX cash to close. Then, for a second time, the morning of the closing, I received a call from PennyMac saying that they changed the numbers again and we would have an {$800.00} cash to close and our monthly mortgage payment went up again. I would like to know why our original refinance had our new monthly mortgage payment around {$1200.00} a month and we ended up paying {$1400.00} a month after having the numbers changed twice within 2 weeks so we didn't get the original {$1200.00} a month payment that we were told.
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 — Information belongs to someone else
Company: Allied Collection Services, Inc. (Nevada) (NV)

On Thursday XX/XX/2019 my wife and I attended a timeshare presentation at XXXX XXXX XXXX XXXX in XXXX XXXX, NV. We were originally told we were being contacted by XXXX XXXX XXXX XXXX ; in which we later found out was actually XXXX XXXX XXXX to attend the presentation. 
As we ended the completion of the timeshare presentation I let XXXX XXXX   Representatives that I wasn't interested and they called over the club manager to try to pressure us into signing up in which I refused. During this period of harassment, I received n important business call and had to step away. When I came back there was a crowd of sales representatives surrounding my wife ( who is XXXX ) was forced by pressure to sign up, who had given them {$XXXX} cash. 
After arguing with them about the stunt they pulled, and refused to return the money my wife gave them, we came to an agreement that they could hold the {$XXXX} to lock in a negotiated sales price, and allow me 72 working hours to make a decision to move forward with the purchase of the timeshare, in addition to paying an additional {$XXXX} as our initial payment, that we were told would be needed to solidify the sales agreement. 
When I called the following Monday to cancel I never got through, so I emailed the company was well, yet heard nothing. Attempted to reach out to them again that Tuesday with the same result ... 
Next thing we know we are being harassed by Allied Collection Services less than 90 days after we last made contact with XXXX XXXX XXXX. Now they have place us in collections for {$XXXX}. 
Problem 1 ) at the beginning of the presentation when asking qualification questions we identified my wife as being XXXX and XXXX XXXX XXXX XXXX XXXX XXXX   without my consent. This is a violation of the ADA consumer protection laws ... 
Problem 2 ) Company never contacted us after multiple attempts to reach them ... 
Problem 3 ) never received anything in writing before being sent to collections Less than 90 days of claimed day we opened the account Problem 4 ) XXXXXXXX XXXX XXXX  fraudulently stated we paid them {$1600.00} to initiate contract when we never paid them. 
Problem 5 ) XXXX XXXX XXXX claimed they were giving us {$XXXX} in free prizes which was misleading & actually cost the consumer over {$XXXX}
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

>XXXX XXXXXXXX, 2022 : XXXX products were purchased on XXXX using my credit card number. 
>I was alerted to the transaction and immediately reported the incident to XXXX and my credit card company ( Capitol One ). 
>I was issued a new credit card and an investigation was started by Capitol One. 
>After about 2 weeks, the charges were removed from my card balance, then added back to my balance a week later. They stated that after further investigation, the matter had been resolved, and I was responsible for the charges. 

>I then sent them a certified letter ( XX/XX/2022 ) with evidence that XXXX had delivered the packages to a different zip code and that I had not ordered, nor had I received the items in question. 

>They never responded to my letter, so I sent a follow up letter. ( XX/XX/2022 ). As of this date, they have not responded to either letter. 

My understanding is they have 30 days to respond, which they have not done. I also understand I may withhold payment on the disputed charges, but I have been making payments as I am concerned this may adversely affect my credit. 

Please help me if you can. 
Yours Truly XXXX XXXX
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Applied for a higher line of credit was denied due to a report from transunion, enclosed please find letter from bank and copy of XXXX from XXXX XXXX..XXXX  XXXX, XXXX XXXX and yet transunion XXXX, XXXX points were taken off with no expanation.I have never had a late payment with a 94,000 credit limit.Transunion has been doing this to me for months.compared transunion and XXXX credit reports identical nothing different on any account.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my XXXX and TransUnion and XXXX Credit Reports by my mentally XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my mentally XXXX son mental XXXX hurts his reasoning and judgement he doesn't know due to his mental XXXX that my name and social security number and my XXXX  and TransUnion and XXXX   credit scores are my own and only for my use due to his mental XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my XXXX and TransUnion and XXXX credit report and scores
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

This account was Opened XX/XX/XXXX closed on XX/XX/XXXX ( 1 yrs, 7 mos ) {$300.00} Reported balance Remarks : Charged off as bad debt Profit and loss write-off Company : SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX This account has 18 late payments posted on my report and I had or have no knowledge of it. If you could help me with this matter I would appreciate it. {$300.00} is not worth it to risk my credit score. If I had knowledge of any debt with amazon I would've paid it or disputed immediately. They ( Amazon ) never reached out to me by email or by phone. I only found out about this recently when XXXX XXXX gave me a plan to fix my credit after I inquired about trying to get a VA loan for a house. I logged in XXXX XXXX afterwards and saw the details ( as stated above ). I wish I would've been checking my credit report and not just my credit score as it looks like it has been there for a while. I just had to look a little deeper. Originally I thought my credit score dropped 100 points due to my credit to debt ratio increasing up to 508 % in XXXX. Please help me if you can because my credit score used to be 720+ and now its like XXXX. 

Thanks
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery is harassing me almost daily. About 6 months ago I finally answered and they said I owed this debt from XXXX  XXXX about {$400.00} and I told them I don't owe anything, I currently have XXXX  XXXX and have bought a house and refinanced in the last two years and this debt is not on my credit. I have told them to send me in writing the debt and that I would like to have the calls stopped. It continued and I kept getting calls every day for multiple numbers and is beyond harassment. I sent a letter a couple weeks ago explaining all of this again to them and to cease and desist all contact with me. They have still been calling me, almost every other day. I do not owe this debt and I'm so frustrated. I looked up the company and there gave been multiple lawsuits against them for the same issues.
Consumer complaint received 2016-08-12
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. (CT)

I requested validation of the original debt, including the name and address of the original creditor ( in accordance with federal law ). The amount of the debt that was validated was not correct. Furthermore, in violation of federal law, the address of the original creditor was not listed on the validation notice.
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

I sent a certified letter in XX/XX/2019 asking for verification and validation of the debt and they received it on XX/XX/2019 and it's been more than 30 days and now it's XX/XX/2019 and they the have yet to respond or delete from my credit report in which the Law requires them to do
Consumer complaint received 2016-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Kimball, Tirey & St. John LLP (CA)

I already settled this debt in 2013 with the company in front of the courthouse by having my wages garnished every paystubs ( Bi-Weekly ). After almost a year the company stop taking money from my paystubs. So my debt was completely paid as agreed in front of the judge, now they asking me to paid another {$1500.00} balance who I have no idea when this amount came from if they was still charging me interest after the judge rule, I am not going to agreed and paid for this debt because this will be considering a FRAUD .... I want this debt to be removed and stop asking me to paid for a debt already settle.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Credit cards often charge interest after the balance is paid off in the time allowed. I write them and they credit the interest to XXXX out the account. However, this is the third time in about 5 years this has happened to me. My concern is the untold millions of dollars or more that credit card companies collect by this practice. I strongly urge you to investigate, recover the money and return it to the consumers.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX - REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST ; I AM ALSO A VICTIM IF XXXX  SECURITY BREACH, ALL INCORRECT INFORMATION NEEDS TO BE DELETED ASAP
Consumer complaint received 2023-01-27
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. (CA)

I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Radius Global Solutions LLC (NJ)

In XX/XX/XXXX I spoke with XXXX from XXXX due to a bill that was never submitted. She worked out a payment schedule ( attached ) where I would pay an amount per month and assured it would not go on my credit report. 

During this time I received a notice from Radius global regarding a past due amount. I contacted radius global and they assured me that since it was being paid through XXXX, I would not be charged through Radius global. 

Within a month I received a collection of negative reports on my credit report. 

I immediately called XXXX and spoke with XXXX who stated that it was fully paid and should not have gone to Radius Global. 

I still receive letters from Radius Global even though there is no debt on my account. XXXX sent an email to Radius global to have it removed and I am still receiving letters from Radius global. 

This was a medical bill which I received no prior notice and was due to XXXX. XXXX insists that I have no outstanding debt and should not have been sent to Radius. 

This is complete fraud that I should pay both Radius Global the same amount which was paid for by XXXX. 

If necessary, I will retain an attorney due to fraud.
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a debt collection on my credit report from XXXX XXXX XXXX worth {$500.00} and another XXXX XXXX XXXX XXXX. worth {$290.00} which I was not responsible for. I was involve in a incident where I was a Victim and needed medical attention due to this incident back in 2015.
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Management Corporation (FL)

On XX/XX/XXXX and XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I, XXXX XXXX, sent a complete loan modification package to Wells Fargo. A few days later Wells Fargo sent a letter of denial before they even opened the package. On XX/XX/XXXX Wells Fargo did open the file and it was underwritten. I was one piece of paper ( a 4506 IRS form ) shy of getting into an active modification which would have stopped the foreclosure on XX/XX/XXXX. I pleaded with a supervisor and even went to XXXX XXXX 's office to complain to an attorney there. The attorney advised I send in another complete package. In addition, I sent a complete package to NACA, D & E a direct agent for XXXX XXXX, and the XXXX XXXX XXXX, in XXXX, N.Y who has done over 7,000 loan modifications since XXXX. Wells Fargo keeps denying me. The other three companies have all approved me for a modification.On XXXX XXXX, XXXX I filled a Chap. XXXX BK to stop the foreclosure sale. Wells Fargo 's attorneys called an emergency hearing for XXXX XXXX, XXXX XXXX, XXXX the day of the foreclosure sale. The Judge lifted the stay and allowed Wells Fargo 's attorneys to " cry out " the sale. I had an employee at the court house all day of XXXX XXXX, XXXX and in particular between XXXX XXXX and XXXX no " cry out '' of the sale occured. This is a wrongful foreclosure. The video surveillance cameras will verify that no sale took place as Wells Faroo 's attorney 's claim.
Consumer complaint received 2017-12-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (TN)

I purchased a new XXXX XXXX XXXX on XXXX XXXX, XXXX. It was financed through GM Financial XXXX XXXX. XXXX XXXX XXXX TX. I got sick with XXXX and was XXXX in that same year. I fell upon hard times and was ultimately given XXXX XXXX XXXX XXXX. I tried to keep up the payments but I could not so on XXXX XXXX, XXXX I voluntarily surrendered the vehicle. The amount financed was XXXX and residual balance after the sale was XXXX. I received that notice on XX/XX/XXXX which was 14 days after the vehicle was sold at a private auction. It was sold on XX/XX/XXXX. I called GM that same day they offered to settle for XXXX. I explained I did not have that much and was living with my brother, the best I could do was 25 % ( XXXX ) I was told they would check with managment. I did not hear back from them. I responded in writing on XX/XX/XXXX and made them an offer to settle for 25 % or XXXX. I had that much in savings. I told them in the certified letter to advise within 10 days if this was acceptable. I did not hear back from them so on XXXX XXXX I sent them another letter advising I was sending a check for full and final settlement of XXXX. They deposited the check so I figured the matter was over. I then got another letter on XX/XX/XXXX offering to settle for XXXX in addition to my first payment. I sent them another certified letter stating I considered the debt settled. Now they call every week daily trying to settle on the full amount of XXXX. I spoke to them today and offered to pay an addition XXXX which was the first settlement offer even thought I was not admitting liab just to get them to stop harrassing me. I was refused and told that I must pay the entire residual balance or they would turn me into a third party collections agency. At that time I withdrew my offer of {$1500.00} additional to settle. I think I have done everything possible to amicably settle this matter even though I feel my liabiliy ended when they accepted my full and final settlment check. Please resolve this matter as the stress they are causing me is affecting my XXXX.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC (TX)

Citadel paid my home owners insurance late causing my policy to be cancelled and payment to be returned ( to me ). 
I had to secure insurance on my own. 
This money came out of pocket. I had to wait on refund that the insurance company sent to me and this caused a late mortgage payment. I was told this would cause a late fee but it would be waived once everything was settled. It was not. 
Citadel also hit my credit score on XX/XX/XXXX and XXXX. Making two claims for one account!!! 
Additionally, this has effected my escrow and will ultimately cost me more money in loan interest. I have over 8hrs of personal time invested into this situation and Citadel has proven to care NOTHING about customer service. You can NEVER talk to the same person twice and everyone give you a different story.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear ..., I am forced to contact you directly as I am victim of Identity theft, recently I saw my report nd I got shocked. There is an account that I do not recognize absolutely I guess somebody used my personal information, or its an error however I want you to delete it from my report as I can not move on in my life. Please check and this information and come back to me shortly. Thank you