davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

The amount I 'm paying is n't an issue, they told me not to do a ny payments for 3 or 4 m onths last year to which they where adding more interest and charges to my account. They defaultedmy paym ent one t ime and asked me to pay double the amount due to their issues with their server. I do n't see a decrease of my total account but I do see it rising for some reason, tried to find out why but I believe they 're making me run around circles. I 'll have to refinance somewhere else but I want to make the total payment settlement low to take out their unnecessary interest and charges that was n't even my fault.
Consumer complaint received 2018-07-04
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/XXXX, I purchased a money order at XXXX .upon me reaching my car, I realized my money order was missing. I immediately went back to the store. ( XXXX ) store clerk began calling Western union on my behalf. I was immediately able to obtain the form, and send them back the same day. Upon them receiving the forms, they requested me to complete an affidavit. I submitted on XX/XX/XXXX, western union confirmed receipt, and I was told, it would take ( 15 ) days, and I authorized them to take out the fee for a refund.. After ( 15 ) days, I attempted to reach out, and I would received different responses, in which cause me to belief, something is wrong. Originally, I was told that my refund is being process, and then I was told that they mistakenly cash the money order even at that I had submitted a stop payment on it .and should received the name of the person that cash it. But never did, and every attempt, I made to reach them fail as if they had caller ID. I m on XXXX an to be taken advantage of by western union is sad/ and a disagrace. I will continue to complain to my state officials as well as companies like the XXXX, to expose these major companies bad practices. 

Please look into this matter Sincerely, XXXX XXXX
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, EQUIFAX, XXXX they also have records of files that are wrong.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

JPMCB is reporting a charge-off account on my credit reports ending in XXXX. This account was opened in my name without my authorization. I don't recognize the reported account. I asked JPMCB to validate with a contract for proof of signature, this doesn't exist. This is a request for the account to be deleted from XXXX, XXXX, & XXXX
Consumer complaint received 2020-07-21
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

I received a notice from Convergent Outsourcing, Inc. XXXX WA claiming XXXX , XXXX records show a balance of {$110.00} due, and seeking payment to Convergent. I checked my XXXX balance online at XXXX, and it shows XXXX due. Looking back to XXXX 2013, XXXX records show I made XXXX purchases using XXXX, and both were paid in full essentially immediately. I believe that Convergent is fraudulently seeking to have individuals make payments to it with spurious claims.
Consumer complaint received 2021-11-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC (NY)

When I made the application they answered me to tell me that it had been rejected and that they would send a letter to explain the reason. When I received the letter, it said that they were unable to verify application information. I spoke with XXXX from the number that the Home Depot Loan Program provided for any questions. The number is XXXX and I called to ask what information they were unable to verify. She checked all the information with me over the phone and it was all correct. My credit score is XXXX, so after checking everything, she could not understand what was the reason it was denied or what was the information that couldn't be verified. She spoke with the people in charge of making the loan decisions and they could not tell me what the reasons were. When I asked if it could be the age, she didn't deny that and simply told me that she didn't know. Honestly, I think that is the only reason that I was not approved.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Amount {$68000.00} / Account  XXXX  / Ba nk No.   XXXX  /  BofA  Check #  XXXX ,  XXXX  : Bank of America,  N.A.   XXXX   XXXX , Texas, Payee : The  XXXX   XXXX   XXXX   XXXX , Notation : Dealer Reserve  XXXX   XXXX . When we first learned that our reserve funds were no longer on deposit in the  XXXX  bank, it would not tell us where the money was -- and it took us years to find it. Our corporation is a North Carolina corporation, yet we discovered  that BofA wrongly escheated our funds to the Texas Comptroller. Compounding this error is that BofA failed to include both our last known address and our federal tax ID number, information that the Texas Property Code requires that the Texas Comptroller receive with escheated funds. The Texas Comptroller requested the omitted information, and it w as refused. The  XXXX  bank would like for our funds to be returned to it, but the Texas  Comptroller refuses to do so. Early this month Texas Asst. Attorn ey General  XXXX   XXXX  asked BofA to provide her with the omitted information, and it again refused. The fact that adults would engage in thi  s Catch 22 situation is silly because BofA might be too big to fail, but it is not above the law of either the United States or the State of Texas. The obligation to return our reserve funds lies squarely and singularly with BofA, and we have every right to insist that it pay us our funds. Then it can deal with the Texas Comptroller in an effort to recover the funds that it sent there. We no longer want to be in the middle of this circus. We submit that BofA and the Texas Comptroller have enjoyed the interest-free use of our funds for much too long already, and now we want to receive payment of our funds.
If you wish, you may consider this complaint to also be a claim against DIF for deposits unquestionably owed by BofA to T  he  XXXX   XXXX   XXXX   XXXX , a North Carolina corporation, and which Bank of Americ a, N.A., has declined to pay on demand. We have no obligation to chase our funds cross-country as a result of BofA having committed multiple errors, nor ought we to have to pay a host of legal expenses to recover our funds after such errors and subsequent default by BofA. BofA has the first obligation to pay us, and FDIC shares that responsibility for our insured funds.      Thanking you in advance for your interest and assistance in this matter.
Consumer complaint received 2016-12-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (IL)

Ok, I checked my XXXX credit report, and these XXXX are harassing me for {$6.00}!!!!! REALLY?!!! I HAVE NEVER EVER seen these providers in my XXXX life, I do not wan na hear a XXXX thing about contacting the police either, bc I have already done that. I have spoken to several reps about this, all XXXX were rude, one of them asked me a question abt Medicaid and XXXX. It 's none of your XXXX business what insurance I have, also ... the police DO NOTHING abt ID Theft unless your XXXX is famous!!!!!! That does not work!!!!!! I know XXXX other people that have had the same stuff happen, and they did nothing ( the police ).
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with TRANS UNION, XXXX, XXXX they also have records of files that are wrong.
Consumer complaint received 2020-07-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOEXXXX Company Inquiry : XXXX XXXX
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Time Investment Corporation (NC)

Account # : XXXX Today I was contacted first thing in the morning by this company around XXXX and was harassed/threatened over falling behind on my payment. I respectfully reached out to them after being told I was eligible for a deferral, via text message from the company, to let them know what's going on and to make an arrangement to get back on track. 

It was at this point with the first woman I spoke with, that I was aggressively pressured and rudely cut off mid sentence, interrupted multiple times, while trying to explain my current circumstances and what I'm able to do for them at this point, and told that I WAS NOT eligible for a deferral and that they must have made an error in that telecommunication, and that I needed to pay a certain amount by the end of the month or face legal action via the court. 

After attempting to explain again that I still had all intentions on fulfilling my financial obligations and that I am trying my best to resolve my current financial issue to get back on track, she once again disrespectfully cut me off and attempted more coercion and threats to make me pay a certain amount immediately. She then asked me to hold and transferred me to a different woman who rudely attempted the same tactics. 

This experience was ridiculous and demeaning. This company is aggressively excessive in their communication tactics and this company is quick to use acts of coercion and threats of legal action, courts and lawsuits.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

US Bank via a non-solicited call persuaded me to refinance my house on XX/XX/2020. Since the initial application US Bank tried every tactic to delay the process for some reason I do not understand. Maybe their rate is not favorable? They've asked me to provide more than 40 different documents which I complied swiftly and accurately. Some of the documents were requested repeatedly. Some of the documents, such as my credit report and homeowner insurance documents, have ever since expired due to the delay, result in unnecessary expense for me. Most other banks could complete the process within three to six weeks. Yet my loan application, five months after the initial application, is still under review, resulting in highly emotional distress and substantial financial loss ( had I refinanced earlier I would have paid much lower interest payments for these months ). 

I understand US Bank has no intention to close the loan and requested them to cancel but they were disserting me at best.
Consumer complaint received 2017-08-02
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: Experian Information Solutions Inc. (FL)

XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX XXXX. XXXX XXXX. XXXX XXXX It has been an on going issue this year alone with XXXX & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.
Consumer complaint received 2015-11-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

BSI Financial abused our fiduciary relationship and manage my escrow account badly. More than twice over the last three years BSI has paid insurance after the expired date more than two times. I get mortgage adjustment that vary with huge gaps for example {$1200.00} to {$1700.00}. Often, I call BSI customer service and their answers are given as if there is no shared resource information that tracks properties connected to the account, the number of insurances and taxes to be disbursed, etc.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: eToro USA LLC (CT)

I opened a crypto coin trading account on www.eToro.com and have had nothing but problems both funding and withdrawing from my account. 
I have been getting the run around trying for about a month now to withdraw my funds VIA wire transfer. 
They, eToro has me worried about stealing my money now.

I have had multiple e-mails with support and a couple online chats that have not resolved my problem. I have been to my bank at least three time getting requested information concerning the wire transfer for my withdrawal.

My latest e-mail and chat attempts have been ignored. 

I started with {$5000.00} wire deposit XX/XX/2021 and since deposited {$300.00} XX/XX/2021 via debit card. I decided just to close my account XX/XX/2021 and initiate all my remaining withdrawal of {$4600.00}. My money was taken away from the available funds in my account and has since been in limbo. 
I submitted the new routing information eToro support requested and was assured that my funds were to be transferred XX/XX/2021. I did not receive it as of yet XX/XX/2021 and attempts to communicate e-mail and online chat has been ignored or unavailable.
Consumer complaint received 2018-07-05
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. (UT)

I have paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their  lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!
Consumer complaint received 2021-07-15
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. (CA)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-07-15
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. (UT)

I have various accounts on my credit file that are reporting erroneously. I had a few collections included in my Bankruptcy that was discharged on XX/XX/20 and they are still currently updating. This is a violation of the bankruptcy stay and these accounts need to be removed from my credit file as they have affected my credit scores and continue to effect my credit scores.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

I was improperly charged for an unauthorized purchase of a credit report from Experian. I called their customer service number and it was 100 % automated. There was no option to speak with a person to describe the fraudulent report - just prompts to visit their website. I went on their website to speak with an agent over chat, and all I have seen all day is " Online Chat Unavailable, All chat agents are currently assisting other customers. '' Instead of placing me in a queue they gray out the option. I researched on XXXX a number to get ahold of a person in customer service and called that. Their menu does not advertise an option to contact a person about billing issues, so I had to select another issue and ask that person to transfer me. They did and I waited on hold for almost two hours ( they provided no time estimate or place in line ) before giving up. I checked their website again and their chat option is still down. 

I believe they designed this set up deliberately to dissuade consumers from asking for refunds or reporting improper billing. It is in most basic terms, a scam.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

About XXXX weeks ago bank put a hold on some funds & then the next day released the funds but put a new hold on other funds. The next day the released the hold but locked my account & as of now only see that there is a XXXX balance & when I got a number of someone to speak to I was told that the is a recall on funds & therefore other than sending my balance to a customer There are no other choices. 
I already sent customer product & will not send them money as well.
Consumer complaint received 2020-07-21
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: SYNCHRONY FINANCIAL (DE)

I have a Synchrony Bank XXXX  XXXX that has now be turned off twice this year do to fraudulent activity and I am not notified prior to it being turned off. I always have plenty of credit available and use the card for autopayments so when it is turned off it is a giant hassle to update all the autopays. When I call no one is ever able to answer what occurred leading to the card being turned off and I am forced to wait for a new card to arrive, during this time I have no access to my account.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Card Receivables Fund Incorporated (PA)

I recently filed a complaint against XXXX XXXX  about an inaccurate information on my report, they responded by saying that account was sold to Unifund. address : XXXX XXXX XXXX XXXX, OH XXXX XXXX Since then they've not been involved in reporting the negative information.