davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

DITECH Financial LLC, mortgage servicer of my XXXX loan, is in noncompliance with Recasting my loan that I qualify for after meeting all six year requirements ( per directive of Dodd-Frank HAMP {$10000.00} principle reduction incentive ). Since XX/XX/2016, DITECH has delayed implementation of my Recast. I have filed nearly a dozen complaints with DITECH as well as with XXXX and my US House of Representatives -- The Honorable XXXX office. Please help in getting DITECH to comply.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (PA)

Last XXXX, there was a series of unauthorized charges from XXXX, XXXX. I reported them immediately and they assured me that the charges would be investigated and I would not be responsible for the charges. I stopped making charges to help with their investigation and the next month, not only did they not take care of the charges from this source, they said that I was responsible for the payment of the charges. I called the customer service line and they assured me they would take care of the problem. The next month the charges were still there so I called again and there was a promise that the matter would be take care of, and I let them know that I would not be paying on charges that I did not make. Let me say that on all the calls made to the Customer Service or Security Line, there was a great deal of trouble understanding them. They may have out-sourced this department but they barely spoke English. 
On XX/XX/22 I received a XXXX delivered letter threatening me that if I did not make payments on my bill that they will be notifying the credit bureaus. A day later I received a bill from Citi that my account was in default. I called on XXXX XXXX and spoke to a rep. She looked into the issue and told me that in 3 business days that my account would be leveled to XXXX. Tonight I tried to add airtime to my mobile phone but my card was declined. I have had an account with Citi Cards for over 30+ years. No problems, no delinquencies, I have always paid my card off every month. I guess this is how you are treated if you are a " freeloader ''.
Consumer complaint received 2020-08-19
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: EQUIFAX, INC. (TX)

I HAVE INFORMED EQUIFAX MORE THAN ONCE THAT I AM A VICTIM OF IDENTITY THEFT. I HAVE INFORMED THAT XXXXXXXX XXXX WAS A FRAUD ACCOUNT YET THEY STILL REPORT IT. ON XX/XX/2020 ON COMPLAINT XXXX THROUGH THIS PORTAL XXXX XXXX COMPANY INFORMED ME AND CFPB THAT THE CREDIT AGENCIES WERE INFORMED TO DELETE THIS ACCOUNT YET EQUIFAX FAILED TO DO AS THE COMPANY INFORMED THEM. I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. EQUIFAX IS IN VIOLATION
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I have had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 FERPA 20 USC 1232 ( G ) 34 CFR 99 5 USC 525 ( A )
Consumer complaint received 2022-10-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (NJ)

According to the directions given on this letter that I received, they accept disputes electronically at XXXX. However, there is no way to submit a dispute. In addition, this debt is for my ex-wife, and that debt should be discharged from my account per the recent legislation passed in regards to XXXXt loan debt
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (NY)

In XX/XX/2020, I purchased an international trip in the amount of {$2000.00} to be taken in XX/XX/2020 from XXXX, an online vendor, for a third party travel vendor, XXXX XXXX XXXX. In the midst of Covid-19, all trips were canceled by airlines for my expected time of travel and airlines refunded passengers their money directly. I reached out to XXXX for a refund on a service that could not be fulfilled. XXXX has claimed that the third party vendor is responsible for this, and they can not assist me in providing a refund. The third party vendor, XXXX XXXX XXXX, has refused to provide a refund. The third party wrongfully refused to provide a refund, knowing that they received a refund for all flight and hotel reservations that were made in advance. 
I am aware that the U.S. Department of Transportation issued a notice in XX/XX/2020 requiring airlines to provide refunds. As per the U.S. Department of Transportation notice : " Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight or makes a significant change in the flight schedule and the passenger chooses not to accept the alternative offered by the carrier ''. I was told by XXXX XXXX XXXX  that this does not apply to their tour operators, although they are based in New York. Therefore, I disputed this with my credit card company, who stated that they do not have disputing rights since this service was bought through a third party vendor, XXXX. I can not have a company keep my money during this time of economic hardship for a service that was not granted. To resolve this issue, I need a full refund for a service that I can not use due to an unprecedented global pandemic.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. XXXX
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I have been paying on the Income based repayment program to qualify for the student loan forgiveness program for nearly 8 years now. On XX/XX/XXXX, I called to request an update on a Income driven repayment application I had placed to change my program to a lower payment. I called XX/XX/XXXX to inquire about the status of my application. I was told to call in after the XX/XX/XXXX to have it exedited had I not heard back by then, that everything seemed in order to have that application processed, nothing was out of the ordinary. 

Upon calling today ( XX/XX/XXXX ) I was told the student loans in question did not qualify for any other IDR plans other than IBR and nothing would be done about the application. I was also told that the loans I had, do count towards the Public Service Loan Forginess program, which I thought I had been paying for the last 7-8 years. I have called in to Navient many times over my years of repayment to reinstate my IBR. In those times I have questioend them about the PSLF program and if I was staying in the requirements of that program. Not once had I been told I had the icorrect loans. 
So I am left with the option of paying my IBR another 15 years when I was led to believe I had <3 years left to apply for the PSLF prorgram, or consolidate my loans to a direct loan and start from scratch to make my 120 loan payments, so they will be forgiven. 

I have had phone conversations with Navient about what steps not to take to make sure I qualify for the PSLF. Those specific conversations incluced being told NOT to consolidate my loans. NEVER once was I told that the type of subsidized loans I had did not qualify for PSLF. 

I am extrmemely frustated that I have just now been slapped with {$35000.00} in loans I had been led to believe was going to be forgiven in the near future.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called capital one on XX/XX/2018 at XXXX and tried to have account closed. 
They told me I could not close the account and that it was restricted. 
I can not make payments nor close the account. 
I requested an arbitration hearing as well.
Consumer complaint received 2018-02-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (TX)

Everyday they call from random numbers, even though we told them to use their corp number and disclose their name. 
I tried to call them on their XXXX and XXXX number today repeatedly and it rings and hangs up. 
We can not set up a repayment plan if they will not be reasonable and work with us. 
It's very unprofessional on their part and the calls come starting at XXXX XXXX. and end around XXXX XXXX. SOmetimes three or 4 calls in a row from random local numbers spoofing their calls. We don't answer unknown callers. Period. NEver have so they need to disclose their business name and they need to answer so we can make reasonable efforts to repay.
Consumer complaint received 2018-02-21
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: CITIBANK, N.A. (WI)

I was sent a solicitation to receive XXXX XXXX XXXX XXXX for signing up for the XXXX XXXX Citi card. I went online and applied for the card, there was a lock on my credit so I had to call back to get it unlocked. When I spoke with the person they approved the card and congratulated me on receiving XXXX bonus miles once I spent {$3000.00}. After several months of using the card and spending well over {$3000.00}, I was told that I did not qualify for the miles because I had closed a similar card less than 24 months before. I find this false advertising and bad business! When my credit was pulled they clearly could have seen that I closed the card within 24 months and either denied the card or let me know that I would not receive the miles!
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (TX)

On Thursday XX/XX/year> I was the victim of a " computer virus scam '' that allowed the scammers access to my computer and my Wells Fargo account. I was told by the scammers ( posing as XXXX XXXX XXXX XXXX XXXX  ) that I needed to verify my identity by purchasing gift cards, giving them the gift card numbers so that they could follow the transactions on my Wells Fargo account. They stated that I would be reimbursed for the gift card monies after they verified my identity. I purchased a total of {$1900.00} worth of gift cards at which time they told me that I had been verified and were in the process of depositing the funds in my checking account. When I was asked to check my bank account for the deposit I saw that {$11000.00} had been deposited in my checking account at which time the scammers said that they had made a mistake with my deposit and that I needed to repay their {$10000.00} deposit mistake by purchasing {$10000.00} worth of {$500.00} XXXX gift cards to repay them. It was then that I realized that I was being scammed and called Wells Fargo Bank Fraud department. The representative named XXXX took my call and I explained to her that the scammers posing as XXXX computer virus technicians transferred {$11000.00} from my credit card account to my checking account and that they were trying to get me to pay them back the difference. I was given case XXXX XXXXXXXX and was told that Wells Fargo Fraud department would investigate the claim and that I should close my accounts and then reopen new ones to avoid access to my accounts by the scammers. Due to the transfer of the {$11000.00} to my checking account by the scammers, I incurred a transaction fee of {$590.00} to my credit card account. When I called Wells Fargo on XX/XX/year> as they requested to get updated on my case, I was told that their fraud XXXXnvestigator could find no evidence of fraud and that I was responsible for the {$590.00} transaction fee. When I tried to get an explanation from them, I was given a phone number to call to report my grievance which I did and was told that they would be in touch. They called me on XX/XX/year> around XXXX to verify some activity on my account but said that they could not help me with the transaction fee and gave me another number to call. Since it is was Saturday, I would have to wait until Monday XX/XX/year> to follow up on my claim for reimbursement to my credit card account for the {$590.00}. I do not feel as though I should be liable for the fee due to the fact that I reported the hacking of my computer, scammers getting access to my bank account files and then reporting that the scammers had made an unauthorized transfer of monies from my credit card account to my checking account. Just a case of big banks not caring about their customers and giving me the run around hoping that I would go away which I am not!!!
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (IL)

Received a letter from Sears MasterCard XXXX XXXX XXXXXXXX in XXXX XXXX, SD that I had applied for a Sears MasterCard and was denied due to being unable to verify my residence. I'm not sure if this is a scam originating from Sears or someone else, however I never applied for the card. The phone number appears to be to a private residence as well.
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Immediate Credit Recovery (IL)

I received a Notice of Wage Withholding at 15 %. I have been trying to call the company for four days. Saturday, Monday, Tuesday and Wednesday. By Tuesday the number I was initially given to call, voicemail is full. I contacted the Dept of Ed to inquire and was told at the time that ICR 's main phone system was down and that if I dial the last four digits of XXXX instead of XXXX I will be able to reach them as that number ( XXXX ) is working. I called that number both Tuesday and Wednesday. It's the same message as the XXXX number but in a different voice, again, directing calls to voicemail ... and nobody returns them! I contacted the Dept of Ed again about the new number they provided to me and was told, " We don't have any other phone number to give you so just keep leaving messages. '' I made just XXXX above the poverty level of XXXX for 2017 and this year my hours have been cut by 5 a week. I was never notified by ICR about anything going to court so that my financial situation could even be considered and they don't even have a working phone number for consumers to contact them at to find out about any appeals or steps to take to dispute their actions.
Consumer complaint received 2020-06-29
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. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2018-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (NV)

The actions against me was taken by XXXX XXXX XXXX XXXX, who has now sold the debt to Meridian Financial Services for XXXX, and XXXX. This is a time share in XXXX, XXXX, that I have NEVER owned, NEVER used and has probably been sold to several people. The event was in summer of XX/XX/XXXX-XX/XX/XXXX ( approx. ) I cancelled this account approx. within a few months due to unforeseen circumstances of me loosing my job and loosing my home. They ( XXXX XXXX XXXX XXXX ), is famously known in the time share world as a scam and a fraud. They will promise you the world and deliver nothing. As much as you try to speak to somebody to cancel, they ignore you and threaten to send you to collections if payment isn't done in full. I called and even went to an office in XXXX, Nevada, and they said they would cancel it ( this was in about XX/XX/XXXX ) and they ( XXXX XXXX XXXX XXXX ) has now has placed 2 collection accounts on my credit report, ( XX/XX/XXXX ). These prohibit me from being able to rent a home or an apartment, requiring me to have a cosigner. Both of the accounts placed on my credit report are the same people, same company for different amounts. Why different amounts? I am unsure.This also had me in a tight spot on purchasing a vehicle. I need to know how I can correct this, and have it removed from my credit report.
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

ditech has increased our mortgage despite our XXXX 2016 escrow payment of {$320.00}, which should have been applied to our escrow balance. The subsequent mortgage increase of {$27.00} has been paid timely each month yet we continue to receive harassing telephone calls and unwarranted overdue mortgage statements from Ditech Mortgage Company.
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, at XXXX XXXX a person contacted me on XXXX regarding tickets to an event I was hoping to attend. They asked me to pay first, to which they would send me tickets via XXXX. Being desperate, I pay the money to their XXXX, which doesn't go through at first. So instead, I send the money again but this time through Paypal. I was desperate, so I didn't notice the different names on the XXXX accounts. I sent the payment at XXXXXXXX XXXX  and it wasn't until I received an email from a fake account that was not XXXX that I understood that it was a scam, where it was around XXXX XXXX. At around XXXX XXXX, I file a claim for unauthorized activity, saying I didn't know who the person was as an attempt to get a refund, which was denied on XX/XX/XXXX at XXXXXXXX XXXX. The file attached is the email I received after I sent my payment. ( see the name of who sent the email, the email address itself, and additionally all of the hyperlinks were just gray text with no actual link. )
Consumer complaint received 2018-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNTRUST BANKS, INC. (GA)

I have asked this company XXXX XXXX XXXX XXXX to please stop calling me. They call my phone atleast 10 times per day. They are collecting for Suntrust bank {$530.00}. 
I want this account CLOSED and REMOVED due to the abusive nature that they are using.
Consumer complaint received 2022-02-02
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. (LA)

Now I have submitted three times to have my credit report corrected thus far XXXX XXXX and XXXX have cleared the Data Furnishers unauthorized on my credit report. On XX/XX/XXXX, the bureaus stated that they did not know who was reporting the Public records Case # XXXX. I sent this information to the FTC was sent on XX/XX/XXXX, but lost my complaint in the mail room - tracking # XXXX. On XX/XX/XXXX, I submitted a complaint with CFPB in which I was unable to access my account. After numerous calls and with verbal verification XXXX was removing the unauthorized bankruptcy. I was to receive the letter from CFPB as of XX/XX/XXXX, I still do not have the letter. I was informed by the CFPB that the letter has been sent and that they can still see letter from XXXX agreeing to remove the unauthorized Data Furnishers. TransUnion and XXXX have stated they needed proof of my identity which is 100 % false. I was told by the CFPB today XX/XX/XXXX, that I needed to resubmit my claim for TransUnion and XXXX to remove the unauthorized bankruptcy. 

Complaints XXXX XXXX, TransUnion XXXX XXXX XXXX XXXX Public Records Caselaw Supreme Court Ruling XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Violations 5 USC 552a Violations 31 USC 3711 ( e ) Violations Public Records Act Violations Commercial Purpose Declaration 42.56.070 ( 8 ) Attached is proof of my submissions to TransUnion and XXXX. I am not including XXXX because they have removed the Data Furnishes.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.