davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: GREAT LAKES (NJ)

Shortly after consolidating my student loans with through the federal student loan.gov website i was repeatedly bombarded with telephone calls from many different companies stating that they worked with the education department and are trying to help people reduce their student loan debt by getting them into the student debt reduction program that was in the last days from the XXXX XXXX. The also said that I would have to pay 5 payments of XXXX to lock me into the program and make sure that my loan repayment stay at $ XXXX monthly for 20 years which would allow the rest of my loans to be forgiven after that 20 year period. I naively believed that they were associated with the government and signed up with the company as i feared a large monthly repayment having owed {$100000.00} in student and XXXX children to raise. I realized that XXXX XXXX XXXX XXXX were fraudulent after calling them and hearing a recording that said they were shut down and being sued. I became suspicious and called because earlier that morning I received a call from another loan forgiveness agency, from a California number but their service rep had a strong foreign voice, sounding XXXX. This made me really think about How foolish I was with ( XXXX XXXX XXXX XXXX ) also known as XXXX XXXX XXXX XXXX. 
I quickly contacted my lender but not sure what else I can do.. I also need to find out how to freeze my credit and must some how check to see if i must change my SS #, and must contact my bank just in case my finances are in jeopardy. 

Now i am going crazy trying to get things cleared up. I am a nervous wreck and terrified, they have so many of my personal information. I am in total fear and agony. please help me if you can assist in any way. I will appreciate your guidence. 
please contact me ASAP, Thank You Naive Mother
Consumer complaint received 2017-12-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (FL)

I received a late fee that was supposed to be waived for XXXX and they added another late fee on top of the late fee that was supposed to be adjusted and now they are reporting late to the credit bureau. I also faxed a dispute form for the late fee to be reviewed and adjusted that they have not acknowledged. I 've attempted to talk to them and they refuse to assist and make harassing phone calls to the point I canceled the card. due to they refuse to assist. I 've always paid on time and Im still making payment for the monthly amount due.
Consumer complaint received 2017-11-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

I have already filed two complaints with the CFPB regarding Navient and their illegal handling of 3 student loans that I obtained for my son to attend XXXX University. 
1. Total number of loans is not accurate 2. Loan amounts have been almost quadrupled from original balances.
3. 1 loan for my son 's last semester was a private loan through XXXX. 
4. I filed a Chapter XXXX BK in XX/XX/XXXX and student loans were discharged. 
5. The private loan can no longer be collected by Navient and they show it " charged off '' with the credit bureaus which has ruined my attempt to re-establish a good credit score. 
6. Navient sold two " XXXX XXXX '' loans to XXXX XXXX XXXX. Balances were quadrupled. 
Have sent " Certified Written Requests '' to both Navient and XXXX XXXX XXXX demanding copies of the notes they claim I owe as well as a payment history and a history of all charges to my account. 
7. Navient could only produce 1 application, no note and no payment history. 
8. XXXX XXXX has ignored my requests completely and is now charging me a ridiculous payment of {$570.00} per month. 
I am XXXX XXXX XXXX and can not afford ridiculous payment amounts and am not legally required to pay on a note that can not be substantiated. 
I work in XXXX XXXX and know the legalities that are involved. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AFNI INC. (OR)

I received a faulty telephone device from the company and when I tried to return the device I was informed I needed to return it to the manufacture and that I would be without a phone during this time I at the time could not be without a phone. I then went to another provider and received service I do n't feel that I should be responsible for payment on a defective device
Consumer complaint received 2017-11-12
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: REGIONS FINANCIAL CORPORATION (FL)

I divorced my now ex-wife XXXX yrs ago, she is a XXXX for the now XXXX XXXX, formally XXXX. During the divorce the court order gave her sole responsibility for the jointly held XXXX card. I tried to have statements mailed to me, but my ex-wife in her position as XXXX had those requests cancelled. I went into another branch and had them print out copies monthly to make sure she was paying on time. Until the manager at the other branch told me there was n't any accounts in my name, social security number, or address, apparently she lied. Not knowing the other manager I assumed my ex-wife did a balance transfer to get my name off the debt, I was glad and thought it was all over now. I was wrong, fast forward 13 years. I applied for a mortgage and was told there was a charge off for approximately {$500.00} for that XXXX card. My ex-wife claimed bankruptcy. Regions said I was liable because my name was on the original documents. In an effort to clear my credit, remove the charge off and derogatory report I paid the balance off. In paying it off it was also discovered that my ex-wife in her position as XXXX and XXXX XXXX, had opened 2 checking accounts in my name without my knowledge. I finally got those 2 checking accounts cleared up after I filed identity theft charges. Regions still refuses to remove the derogatory report from my credit report even after I presented them with my divorce papers showing the debt was assigned to her. I had asked them to show me any correspondence relating to this that was sent to me, they said they would look into it. I believe that if any correspondence was sent, it was not sent to me, it was sent to my ex-wife, their employee. Now 4 months later, they have not responded, not replied to my emailed requests or my phone calls to XXXX XXXX Operations manager. Regions will not take responsibility for the illegal actions of their XXXX XXXX, will not honor the court order, will not provide any documentation, and cite the FTC regulations requires them to report it as a bad debt to the credit bureaus. XXXX XXXX wrongfully represented the credit bureau as a quasi government agency. Where in reality they are private companies and reporting is voluntary. I have made them whole as soon as I was made aware, provided the documentation, reported the identity theft. I believe this is nothing more than continued harassment, misleading information, and ineptness.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

All of the details regarding this complaint are explained in the attachments. 

Please let me know if there is any additional information I can provide. 

Thank you very much for your assistance! 

XXXX XXXX
Consumer complaint received 2017-12-29
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: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX reported a credit inquiries to my credit report as a hard inquiries which have effected me negatively.
Consumer complaint received 2017-11-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OK)

Coinbase transfer XXXX/XXXX/XXXX for {$200.00} twice {$1.00} {$1.00} Total : {$410.00} XXXX/XXXX/XXXX I was trying to reach XXXX technical support by telephone about a XXXX charge of {$130.00}. The person on the phone took " virtual '' control of my computer. It was my fault for providing my bank information and debit card number. I realized shortly after that I had been scammed. Immediately I went in person to XXXX XXXX XXXX to dispute the charges. XXXX XXXX contacted me by email about these charges and initially provided me with " provisional credit. '' The XXXX XXXX XXXX Debit Dispute Department was unprofessional in the follow up contact with me. Initially I had contact with XXXX XXXX, a representative of the Debit Dispute Department via email. I was assured that most matters where  resolved within 90 days. XXXX/XXXX/XXXX I discovered that my ( new - changing debit cards after the scam ) debit card was declined at a local vendor Friday night, XXXX/XXXX/XXXX. I went to my nearest ATM to discover my account balance was negative {$380.00}. 

XXXX/XXXX/XXXX I received an unknown call on my XXXX from in XXXX, Texas at XXXX XXXX. I did not answer the call. The caller tried again at XXXX XXXX. and when I answered all I could hear was my voice echoing back. I hung up the phone. I found out Saturday, XXXX/XXXX/XXXX that XXXX XXXX XXXX had tried to reach me regarding the reversal of the " provisional credit. '' I received a written document that Saturday from XXXX XXXX from XXXX XXXX that is documented XXXX/XXXX/XXXX that the XXXX, Oklahoma XXXX XXXX XXXX  Monday, XXXX/XXXX/XXXX I took this issue and documents to the bank where my account was established in XXXX, Oklahoma. I was told in a meeting that Monday by the bank president, XXXX XXXX pointed that I " agreed to these charges. '' XXXX XXXX was demeaning and referred to my situation as a " little whoopsie. '' His only solution was that the bank meet me halfway and provide me with a refund of {$200.00} and that I was still be responsible for {$200.00}. When I requested 24 hours to think about this offer, I was told it would be taken off the table immediately. 

Since this episode with XXXX XXXX, I have moved my bank account to the XXXX XXXX XXXX in XXXX, Oklahoma. I have banked with this institution for over 20 years. I had no indication that I would be treated in such an unprofessional manner. I did not receive any mailed correspondence from the bank. The last email that I had received from the bank debit dispute department had been emailed XXXX/XXXX/XXXX from XXXX XXXX. 

It would cause great difficulty to move to another banking institution with my electronic pay from the XXXX of Oklahoma and with my electronic bills. I am still unsatisfied with the outcome of this situation. {$130.00} XXXX dispute with XXXX ( that was resolved and was refunded XXXX/XXXX/XXXX ) cost me over {$410.00}. 

I would appreciate if the scammer ( who is unknown to me ), XXXX, Coinbase and XXXX XXXX XXXX be made accountable.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

A company added a XXXX surcharge for using my debit card. I did not realize this until I got home and looked at the cash register receipt. XXXX XXXX XXXX does not allow any type of surcharge on Debit Cards and the company that surcharged my debit card is aware of this fraudulent surcharge. the ability to surcharge only applies to Credit Card purchases, ( NOT DEBIT CARDS ) this can be verified by calling XXXX XXXX XXXX at XXXX. I filed a complaint with my bank and they ruled against my claim because I signed the receipt and they decided to ignore the fact that it was a fraudulent charge. I called the bank on 3 different occasions and asked them to send me the paper work that was filled out by the bank and was used to make this decision and still have not received any answers and 4 months have gone by.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

So I paid off my charged card on XX/XX/2020. WHich left my card with a balance of XXXX. 

Well since my usage privileges has been suspended on the card, I haven't been able to use it. 

Still I logon today and see they have charged me purchase interest and past due fees on a card with a XXXX balance? That makes no sense to charge fees on a XXXX balance. 

I am unable to use my card due to Capital One charging me {$8.00} in fees. Then I was told by XXXX to pay the {$8.00} then I could use my card.
Consumer complaint received 2017-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NM)

OnXX/XX/XXXX, I faxed my mortgage company seeking clarification on fees I was charged. They appeared on myXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, statements. Fax and statements attached for your review. After two months they send me a payment history, also attached for your review. The history show the charges, which I already show on my statement, however FAIL to detail/clarify, how exactly I incurred those fees. Or how is it that Ditech had the right to charge me those fees. Consequently, NO response was provided, they simply provided the information I already had, in a different format. Ditech has done this in the past. They sneak in fees here and there and hope you do not question them. I highly doubt I am the only person they do that to. I bet they have STOLEN Millions of dollars from customers.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I RECENTLY FILE A COMPLAINT WITH BBB STATING THE ORIGNAL CREDITOR CAN NOT PROVIDE ME WITH ORIGANAL CONTRACT THAT HAS MY SIGNATURE. THE COMPANY CANT PROVIDE ME WITH TERMS AND CONDITION SO HOW IS TRANSUNION KEEP REPORTING THIS FRUADULENT ITEM ON MY CREDIT REPORT THAT IS HURTING ME PHYSICALLY AND MENTALLY OBTAIN CREDIT
Consumer complaint received 2021-09-08
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank Fraud Department, XXXX. XXXX XXXX, XXXX, DE XXXX was notified about my identity theft in writing. The notification had also FTC Affidavit and printed materials from the Federal Trade Commission guidelines what are the responsibilities of the furnisher under the law. However, they refuse to comply with the law, and knowingly they still continue reporting the fraudulent account to the Credit Bureaus.
Consumer complaint received 2017-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (LA)

I contacted XXXX XXXX XXXX by mail to validate debts : XXXX ). XXXX XXXX Account XXXX Amount {XXXX} ; Collection Agency XXXX XXXX XXXX XXXX Account number : XXXX Amount XXXX ; XXXX ). XXXX XXXX A Account Number XXXX Amount XXXX ; XXXX XXXX : XXXX XXXX XXXX Account Number XXXX Amount {XXXX} ; XXXX ). XXXX Account XXXX XXXX XXXX XXXX} ; XXXX ). XXXX XXXX XXXX, Account Number : XXXX Amount {XXXX}, Collection Agency : NCB Management Service : XXXX Amount {XXXX} and XXXX XXXX Account Number XXXX Amount {XXXX. They did not provide legitimate proof. I have called numerous of times this past month asking a customer service representatives how my debts were verified she did not have any information on these accounts that was supposedly mine. I 've requested to speak with a supervisor on many occasions, they did not provide adequate information either on how they { proved the debt was mine verified and validated } and was in hurry to get me off phone when I asked questions about these collection account. The supervisor told me that they could dispute the accounts again but I 've told her that I have repeatedly disputed each account four times this year XXXX, XXXX, XXXX and XXXX XXXX. I 've also requested proof of the collection agencies right to collect on the debts listed above and still no proof provided. I will provide proof where XXXX have removed some debts listed above but all three bureaus need to removed all debts immediately. I greatly appreciate your help in removing the following debts from all three credit bureaus.
Consumer complaint received 2017-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMPQUA HOLDINGS CORPORATION (WA)

We use Umpquah bank and recently my debit card was used by someone who went on a shopping spree to the tune of {XXXX. I filed a dispute with the bank in XXXX Wa XXXX claim XXXX ) and they sent me a letter saying the claim is closed and they are denying giving my money back because their investigation showed that i provided authorization for these transactions. This is completely ludicrous. I last saw the debit card in the XXXX on XXXX when i used it at a XXXX in XXXX. I then walked across the street to my car in my work parking lot. I dont remember seeing the debit card again after that but i didnt know it was missing until the following saturday when i got a call from visa asking if i made some charges and i indicated that i had not and immediately called the bank to cancel my card. In the meantime i had switched to a new debit card that they had mailed by my request so i didnt even notice the other was missing. the day i last saw it i had to leave work in a hurry due to emergency and by the next day i was using the new one since the other one had a broken chip. Then a few days after using the new card i noticed odd charges under the new card ( 5.00 in online book purchases? ) so i cancelled that card too and i refuse to use an umpquah debit card anymore. Dont think their chips are secure! and i dont shop online or anything crazy. Help please! These people took {XXXX} of food from my babies mouths! I absolutely have no idea who took my card or numbers and i for sure did not give anyone else permission to have it nor would anyone i know use it! My husband is very upset about this also and the bank wont relook at the claim. I think i must have dropped the card sometime that Thursday but i dont know. I didnt know it was missing until the fraud dept called. 

Thanks, XXXX XXXX
Consumer complaint received 2017-11-12
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: Experian Information Solutions Inc. (AR)

I show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXXr on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, Experian : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX XXXX : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Our business wrote out a check in XX/XX/XXXX which was deposited in XXXX of XXXX. 
the check was deposited AGAIN in XXXX of XXXX. 
I called the bank ( bank of america ), and complained to them asking them why they let the same check go through twice, they then credited my account and all was was good, until they REVERSED the credit, and I was in a minus of XXXX USD, I then reached out again to the bank and was on the phone over an hour, being sent from department to department with no end in sight.