davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion stands alone in verifying XXXX ACCT XXXX, A PAID COLLECTION.TRANSUNION VIOLATES FCRA IN ACCURACY OF THE AMOUNT PAID, $ XXXX.THEIR CLIENT, XXXX has violated the XXXX FDCPA of CALIFORNIA in misrepresentation in the course of collecting a debt to collect an illegal service fee of XXXX dollars.IN CALIFORNIA I AM ENTITLED TO DAMAGES from the bureau as well as the collector for XXXX.in addition the attorney general can prosecute criminally. 
I have enclosed the excerpts from the statute as well as the Bureau of Consumer Affairs summary of the CA statute.Transunion aids and abets XXXX with what could be a Rico Act violation in collection of debts changing the amount of legal damages that could be paid to me.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received a phone call from XXXX. This caller was a man who was calling from the XXXX XXXX XXXX department, threatening to arrest me for misdemeanors ( missing court date for a warrant ). I asked for verification and they called me from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) on a separate call line. I was able to verify this number on the XXXX XXXX XXXX website. They asked for {$3500.00} payment via XXXX as a hold payment until I showed up to the XXXX XXXX XXXX XXXX. The recipient information as provided on XXXX was XXXX XXXX at XXXX. The caller was intimidating and threatened to come to my workplace to arrest me immediately and repeatedly pressured me to make a decision as to which way I would be willing to proceed ( either arrest or payment ). After I sent the initial {$3500.00}, they asked for additional banking information to send the remaining {$1500.00}. As I had no other methods to send money, they hung up. Immediately after getting off the phone with them, I called Bank of America to report the scam and to try to block payment. They said they would investigate this- they sent me documentation on XX/XX/XXXX that they were unable to do anything and would look into the recipient bank to see if anything could be done to recover funds. I received additional documentation from Bank of America on XX/XX/XXXX that nothing can be done to recover the funds from the recipient 's bank. I have contacted Bank of America on XXXX separate occasions but they are unable to provide me the XXXX payment ID to report it as a scam to XXXX. A police report was submitted to XXXX XXXX Police Department - report number XXXX as it is a crime to impersonate a police XXXX. This was reported to the Federal Trade Commission. 

I submitted a complaint through this website as well. Bank of America did not assist in this situation- the response I received from them included the wrong amount of money transferred. In XX/XX/XXXX, XXXX reported that XXXX banks are to start reimbursing victims of scams that were claiming to be government agencies. I reached out to Bank of America XXXX team XX/XX/XXXX and after speaking to various individuals, they said my claim did not fit the requirements for reimbursement. Im reaching out through this form again to bring awareness that banks are publicly saying one thing but then privately doing nothing about it.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: N.A.R., Inc. (AZ)

XXXX XXXX I was notified by my landlord that a family member of my landlord was contacted by North American and badgered them if I resided at a property the family member owned and if they knew me. They ( the family member ) stated it was confidential and they kept asking her if she knew me and if I lived at XXXX of her family members properties. The landlord called me and notified me.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I turned Transunion into the fraud department of my bank for removing money out of my account monthly for approximately a year that I became aware of by signing up with online banking. Consequently, between Friday ( when my bank filed the dispute and Tuesday, my score with transunion dropped about XXXX or more points with no change in information. What can I do?
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

1-I was taken to the XXXX for a XXXX problem,2012, after testing I was ttold XXXX would have XXXX tomorrow and it never happened. I went home and contacted another Doctor. I was billed for this by XXXX Co. 
It now shows in collection.They did accepted my medicare and insurance. sent tocollections. 
2-XXXX first wrote off my account and now it shows new.
Consumer complaint received 2016-07-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I opened an CitiGold account with Citi Bank on XXXX/XXXX/2016 with the offer to receive XXXX bonus Thankyou Points after meeting the requirement of making 1 qualifying bill payment from the checking account each month for two consecutive calendar months. I called Citi Bank on XXXX/XXXX/2016 to confirm that i was enrolled in the promotion, the representative confirmed that i am enrolled and will receive the promotional bonus. My call to Citi Bank on XXXX to confirm the promotion is listed on their account notes. I have met all the requirements and Citi Bank has not posted the promotional points. The points were supposed to be posted with in 90 days and now it 's well over 90 days. Please help me resolve this issue and have Citi Bank post the XXXX bonus Thankyou points to my account. Thank you.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00}, XX/XX/2024 No Knowledge of this account. Account is Fraud.
Consumer complaint received 2022-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

On XXXX, I submitted the attached/uploaded 21 page packet to FedLoan Servicing XXXX I sent packets to the XXXX 's noted at the bottom of the letter ( Office of Consumer Advocacy and US Department of Education ). I had requested information from FedLoan Servicing regarding the omission of my service/employment with XXXX XXXX XXXX not only in the letter dated XXXX, but in numerous emails and phone calls dating back two months prior. I have received no response, explanation or resolution. I am submitting this 21 page packet again as part of a complaint, along with payment history. I feel that with the consideration of my employment with XXXX XXXX XXXX, I met the eligibility criteria for loan forgiveness as of XX/XX/2017 and am eligible for a refund of the payments that I have made since that time. Please advise on how I may be able to have this error corrected. 

I have submitted this complaint to Federal Student Aid on two occasions. Each time, the case is closed with no further explanation. I have contacted the Ombudsman and received no feedback there.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Balance transfer — 
Company: AMERICAN EXPRESS COMPANY (FL)

In 2016 American Express ended its role as the exclusive card for XXXX, with that role being taken over by XXXX. My existing AMEX/XXXX card had a balance at the time of the change and that balance was transfered to the XXXX account. Subsequently, AMEX mailed me an offer to open a new account with them ; the offer extended stated that balance transfers and purchases would be interest free for 15 months. Taking advantage of this I transferred the XXXX balance ( the original AMEX/Costco balance ) back to AMEX under the new, interest free offer. However, in the first billing cycle, AMEX charged me interest on the balance transfer made, contrary to their offer terms under which I made said transfer. 
I called AMEX and opened a complaint. After a month of not hearing anything I called AMEX and inquired of the status. I was told a decision was forthcoming. I waited another 4 weeks and phoned again. During this XXXX call AMEX made the assertion that the interest free offer only applied to purchases, not balance transfers, despite the fact that the offer letter clearly states both purchases and balance transfers would be interest free for 15 months. The customer rep supervisor asked for the offer number printed on the offer letter. I provided this to her and she responded that the offer number did not cover balance transfers. I replied that her position was that the document they sent me, which I still possess, which states both balance transfers and purchases would be interest free for 15 months, did n't say what what was printed on the paper. AMEX requested a copy of the offer, which I scanned and emailed to them. 3 days later I received a voice message from AMEX, saying to call them at the provided number and enter a XXXX digit code. I called the number, but the automated system requires a XXXX digit code. At this point I believe AMEX is purposely avoiding honoring their offer terms and purposely making it difficult to reach them in an effort to make me drop the issue.
Consumer complaint received 2015-10-22
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: COMMUNITY CHOICE FINANCIAL, INC. (DE)

Cash Central continues to contact me and my references even thought payment arrangements have been made. I 've contacted Cash Central and have spoken to a XXXX XXXX times who apologizes and promises it will not happen again. They continue to call.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

I requested my consumer reports via XXXX and Equifax, and XXXX gave denied my request. I would like my consumer report and credit file from both companies and XXXX also.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Our son applied for a XXXX school and needed us to co.sign on his second loan. He went back to school after graduating and then had to put on hold again.After many times trying to reduce the loan for him to afford for a struggling student they would n't accommodate it..he wanted to pay but could n't afford what they described so we as parents had to step in to help with the payment.we called to at one time having some extra money to repay the loan at a lower rate but they told us they do n't do that ..which was opposite of what we had researched about repayment. 
Our son joined the military and wanted to have it changed into his name for repayment .I did n't go to the school he did and now because we 're co.signers we are responsible for his debt. We are retired and it is a financial difficulty ..paying on his loan is a monthly responsibility so as not to damage my credit score. 
What if anything can be done to help with this situation. 
Thanks for taking time to hear a little of our dealings with Navient.
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P. (GA)

LTD Financial Services Limited Partnership has continued to report unfavorable remarks on my credit profile for a debt that I do not owe. And their remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

Our Macy 's American Express Account Statement for the period ending XXXX XXXX, 2015 included a charge ( Transaction Date - XXXX XXXX, 2015 ; Posting Date XXXX XXXX, 2015 ) for the XXXX XXXX XXXX, XXXX ( XXXX? ) for {$24.00}. I have never been to XXXX, AL ; Ihave never dealt with the XXXX XXXX XXXX ; this is NOT my charge. I reported it to Macy 's American Express, to the XXXX ( XXXX ) Police Dept. [ CR : Det. XXXX XXXX XXXX ] and to the Macy 's Amer. Exp. Fraud Dept. ; all were notified on XXXX XXXX, 2015. I paid the {$310.00} bill minus the {$24.00} fraudulent amount. Our Macy 's XXXX XXXX XXXX ending XXXX XXXX, 2015 still lists the {$24.00} charge plus {$2.00} interest [ Total : {$26.00} ]. Ihave notified all XXXX major credit bureaus and established Fraud Alerts with them.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

Hello! I have never missed any payment for anything in my entire life. Due to an error of Navy Federal Credit Union, my credit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from Navy Federal Credit Union that has significantly impacted my otherwise perfect credit.

I opened a Navy Federal Credit Union Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. Navy Federal said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from Navy Federal Credit Union over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted Navy Federal and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more.

People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for Navy Federal Credit Union 's poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people.
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C. (FL)

In XXXX of 2012 me and my husband moved to XXXX. We vacated our house in XXXX which was in foreclosure and still is. The banks were informed we were leaving and they took over care of the property. Now a law firm in XXXX has placed derogatory information on all credit reports for a utility bill after we left. It is possible that a squatter is there but I have no knowledge. I sent them an initial letter requesting verification of this debt. They sent me a copy of a bill after I left XXXX. Additionally they are not licensed to do credit collections in XXXX even though they claimed they are. I also could not find them in the XXXX Bar site. I have also sent out a second certified letter with proof of residency in XXXX.
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

in 2011 XXXX located at XXXX XXXX XXXX XXXX XXXX, OH XXXX charged me {$3900.00} for an apartments i co-signed with my ex wife. First, They refused to show my wife the apartment before signing the lease. After signing the lease the actual apartment was filthy, muddy and had sign of roaches. My ex-wife asked to cancel and they refused. They stated they would charge us XXXX months of rent regardless they rent the place the next day. They did surprisingly. It 's been reported on my credit with National Credit System, a collection company. When i contacted the manager for XXXX XXXX they refused to talk and stated i would have to talk to the collection agency. This is a violation of my rights as a peaceful citizen and a tax payer. This is a fraud since they key was never handed to us and we never had to move either since they refused to show us another apartment or even cancel the lease which they promised to do if we did not like the apartment. This place is a total bluff and a scam.
Consumer complaint received 2016-10-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ASSOCIATED BANC-CORP (WI)

External Bank Transfer of funds from Associated Bank to XXXX. On XXXX XXXX, I scheduled to have {$530.00} transferred from Associated Bank to XXXX. The transfer was selected to go through on XXXX XXXX. I have transferred money a few times and never had issues receiving the funds on the day of transfer. I checked XXXX on the XXXX and saw no deposit. I checked Associated and the funds were pulled out of my account on XXXX XXXX. I waited until the XXXX and still saw nothing. I called XXXX and was told there was no funds being deposited into my account. I then called Associated who told me that the funds had been pulled, and were processing at the Federal Reserve and I wo n't be receiving them until XXXX XXXX or XXXX. I asked for the Federal Reserve number, and was told they do n't have one. I requested to cancel the transfer and was told I could not. I do n't know where my money is. This has never happened in the past, and I know the information Associated provided was a lie.
Consumer complaint received 2023-03-27
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: DISCOVER BANK (GA)

On XX/XX/XXXX, I purchased a couch from XXXX XXXX for {$3400.00}, and used my Discover Card. The couch was supposed to be delivered in XXXX weeks, which should have arrived between XXXX ( confirmation attached ) On XX/XX/XXXX, I received an email from the former CEO, XXXX XXXX, apologizing for the delay and changing my delivery date to XX/XX/XXXX. There was a link at the bottom of the email to fill out a form to cancel your order, but it was a simple XXXX XXXX  and I did not receive a confirmation/receipt for completing the form and no response after completing the form ( email attached ). 

On XX/XX/XXXX, I called Discover to dispute the transaction stating that the company was entering bankruptcy and that I had not received my couch and that it was beyond the original delivery time frame. 

On XX/XX/XXXX, XXXX XXXX avoided bankruptcy and entered an XXXX. Sold parts of the company to XXXX, but did not sell the past orders. ( News Story Attached ) Over the course of XXXX and XXXX there was a website, XXXX, to check the status of orders. Which finally ended with " CAN NOT BE PRODUCED '' ( All status updates attached ) I contacted Discover Card multiple times over the course of the two months and was asked to provide multiple forms of documentation to prove my case. I provided the proof of purchase, all status updates, the communication about the XXXX process, confirmation that my order would not be produced ( attached response letter from Discover showing all phone calls placed ). 

On XX/XX/XXXX I received notice from Discover that my dispute was settled in favor of the merchant.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (GA)

In direct violation of Federal Law, Professional Debt Mediation , Inc. reported this debt to the Credit Reporting Agencies as of XX/XX/XXXX, more than a week prior to notifying me about it in a letter sent to me by the merchant dated XXXX/XXXX/XXXX. Furthermore, when I disputed the charge in an email sent to the merchant on XX/XX/XXXX, Professional Debt Mediation , Inc. never responded in any way, as I have not heard from the merchant at all since that time. The debt stems from a fake eviction - predicated on the notion that jumping rope indoors during the day can be a legitimate grounds for evicting for a single tenant living alone at an income-restricted and therefore family-oriented rental property - staged by my former landlord, XXXX XXXX XXXX, on behalf of the State of Florida in retaliation for my efforts to address the Federally Institutionalized lack of Due Process for groups protected under Federal Fair Housing Laws.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (CA)

Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. Over a month ago all Three ( XXXX, Experian, XXXX  ) received the documentation and still have ignored the account with no update to my file. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

Attached is the information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX
Consumer complaint received 2016-11-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I spoke to XXXX in the re-entry team on XXXX XXXX and he advised Wells Fargo will not open a modification review because it is 3 years past due with a previous modification review decision. The home owner has had a change in circumstances. The previous review was denied with a monthly gross income of {$2600.00}. The income has increased to a gross amount of {$3300.00}. This makes the homeowners debt to income ratio 34 % and a monthly surplus of {$350.00}. This homeowner has never been modified and can now afford her monthly payment. There is a foreclosure sale date of XXXX/XXXX/16 and needs a proper modification review.