davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
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. (LA)

XXXX   XXXX ,2015-   XXXX -  I call  XXXX   XXXX   XXXX    XXXX   and they will try to removed this off my credit report because it 's  past 7 years old. n o change on my credit report.
Consumer complaint received 2016-03-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

I was recently, within the past couple years ... .Started on the " Loan rehabilitation '' program. Since XXXX 2015, I have been fighting Navient, over my defaulted loans ; which, they state, that they are out of default. Currently, this is n't the case. I have n't been able to, reinstate my student status, due to this issue. I have called, everyone ( This includes the federal loans servicers ), over this issue. So, it has finally come to this. Lodging a Serious complaint, about the way I have been treated, over this past 12 months. Thank you.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

My husband had a credit card with USAA. I was a authorized user of the card but never signed personally for the debt. My husband filed chapter XXXX bankruptcy. Usaa issued me a new credit card number, which they will not provide the full credit card number to me and transferred his debt to me. This was not my debt. I filed a dispute claim with the company but they did not answer my complaint. They call upwards of 20 times a week to collect this debt. I have talked to them and have asked to talk to someone who could make a decision or clarify there position. Sometimes I will be transfered 3 or 4 times. I need some help
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. These accounts and inquiries weren't initiated by me and is a result of identity theft or malpractice.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I was applying for home loans in XXXX of last year. The lenders told me that they had a problem getting my credit information from Equifax. When I called Equifax they said that I would need to send in a copy of my social security card, driver 's license, and cover letter explaining the situation. I did that three times and after the third time I got a letter back saying that they could not do this because either I hadn't applied for credit recently, hadn't used credit in the last 10 years, or hadn't received a social security number. None of these are the case. I've called them countless times since XXXX trying to get the problem resolved but with no luck. I submitted a complaint with you all in XXXX of this year but I got the same letter back from Equifax, this will be my second time filing a complaint. I've tried all of the options that I know of. It turns out that someone else 's information is pulling up when they use my social security number. 

I have attached a photo of the letter that they keep sending me
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: CITIBANK, N.A. (WY)

I received a letter dated XX/XX/2017 from Citi, XXXX XXXX XXXX, XXXX, OR XXXX, that indicated I previously enrolled in Citi IdentityMonitor offered by Citibank N.A., and I was charged a monthly fee. I believe that I was enrolled without my consent or knowledge, and when I attempted to go to the link referenced in the letter ( XXXX ) it did n't work. The letter tells me to submit a claim before XX/XX/2017 and enter reference number XXXX to get started ; and the letter states that submitting a claim does n't guarantee a refund. It also states that additional information is available at XXXX. The bottom of the letter references a Tracking Number : XXXX.
Consumer complaint received 2015-08-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (OH)

I used a down payment assistance program through the city of XXXX XXXX that is underwritten by PNC bank. The loan is incredibly difficult to service. I had been using online bill pay to pay it, but they stopped sending me a monthly statement because they said I was paying to early. I then switched the payment date to a later date and started getting late payment charges. Every time I call to get service or complain they ca n't find the loan in the system and it usually takes 30+ minutes. Recently, I 've been forced to make payments on the phone because they do n't allow online payment of this loan. They then try to charge me a fee for paying over the phone to which I reply that they do n't give me any other option. Also, the only way I know what my remaining balance is is to call, which again takes 30+ minutes usually to find the loan. My statements do not include any information on how much of my payment is principal or interest. This has caused me extreme frustration and unnecessary fees because they have made it so difficult to service the loan or get any information about it. I 've tried going to different branches and none have ever been able to locate the loan and pay it. I 'm further concerned when the loan is paid off, they will forget to release any liens because they have n't demonstrated an ability to adequately service the loan.
Consumer complaint received 2015-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection date of XX/XX/XXXX and continues to report this falsified information even after sending documentation to validate the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I am working with the XXXX XXXX XXXX XXXX  to refinance my mortgage. They have reached out to me for a loan closing statement and amount which Specialized Loan Servicing holds. Neither XXXX   nor I can reach anyone in SLS or their parent XXXX XXXX. I am trying to close by end of XX/XX/2020 and need this payoff amount or I will be in financial harms way without SLS responding to my and XXXX needs. There are numerous online complaints and federal filings regarding this fraudulent company. How do I get resolution and QUICKLY!
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

i received a call from a XXXX telling me he was with XXXX.he proceeded to tell me he could set up an llc and file all necessary paperwork with both the state and irs.the company and XXXX never provided me any service and the merchants merchandise was not as described.XXXX called me on XXXX XXXX and reviewed expenses i listed for a grant.there was also no grant.i called my credit card bank of america to report this scam and i had been taken for XXXX.i explained the whole situation to them to no avail.they told me i waited to long.this company strung me along i believe to make sure i could not dispute. i wonder how bank of america could let somebody like this have a merchant account with their bank.even with no goods or services bank of america paid these people and took my money.i dont believe bank of america looked into this at all because even the money paid for this service was illegal.if i cant count on my financial institution what do i have them for.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

We have a current file case. XXXX. We have additional information to add. We have been in the process of trying to get a loan modification for the second time to no avail we have also experiences charges from the information that I have copied. 
The agencies also allege that Green Tree pressured consumers to make payments via XXXX, a third-party service that charges a {$12.00} " convenience '' fee per transaction, claiming it was the only way to pay, or that consumers had to use the service to avoid a late fee. 

Mishandled Loan Modifications and Delayed Short Sale Requests According to the complaint, in many instances, Green Tree failed to honor loan modifications that were in the process of being finalized when consumers ' loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. In addition, Green Tree took up to six months to respond to consumers ' short sale requests despite telling them it would respond much more quickly. These delays caused consumers to lose potential buyers, miss other loss mitigation options, and face foreclosures they could have avoided. 

Misrepresented Account Status to Consumers and Credit Reporting Agencies Thank you for your support.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (FL)

Amazon.com is forcing us to use their credit cards. Says i applied for a credit card they are endorsing online. I did not. Next thing I know I am getting bills in the mail from amazon.com endorsed synchrony bank. Amazon accused me of applying. I did not. We only want our own credit card to be used on the amazon website. 

Amazon will not retro charge. Dealing with synchro bank legitimizes their fraud and Amazon supports them and feels no fiduciary responsibility to listen to me when I tell them that I am fraudulently being forced to work with a bank that I never applied for a credit card for. 

Furthermore, they do not give us information on their transaction letter of how to cancel the card. When I informed synchrony that we did not apply for their credit card, they disregarded my red flag and only cared about paying a {$68.00} charge ( which should have gone to my credit card ) and gave us no recourse to report and cancel the fraud. They won't even help us report and cancel the fraud. Their billing statement offer no recourse to report the fraudulent account. 
I expect more from Amazon then this. I believe Amazon is forcing customers to use their endorsed credit cards while making it extremely difficult to leave entrapment.
Consumer complaint received 2015-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a Circle Gold account at Citizens bank. This is their product that provides " free checking by keeping a monthly combined balance above {$20000.00}. Eligible balances include most deposit, loan and investment account ''. Since I have my mortgage with Citizens I have qualified for free checking on all my associated checking accounts. 

In XXXX of 2014, I noticed a service charge for 5 months ( {$100.00} ) on one of my accounts. I went into the branch and was told that the bank had just updated to a new system and that they were finding glitches. They refunded the {$100.00}. I asked that they please make sure all my other accounts were not being charged. 

One of the checking accounts associated with this Circle Gold account is my XXXX daughter. She came home this summer and asked what the {$20.00} fee on her checking account was. After investigating I discovered that she had been charged a {$20.00} service fee from XXXX 2014 to the present month ; XXXX 2015 a total of {$360.00}. I called the bank and they told me that I only had 90 days to dispute a charge, and would waive that for an additional month 'because " I was a good customer '' and refund {$80.00} of those fees. 

After some discussion with the branch office in XXXX, MA, I was directed to the Regional Manager of Citizens Bank ; XXXX XXXX who explained that my " contract '' said I had 90 days to dispute a change and there was nothing he could do about it. 

I signed up for FREE checking - my accounts have been eligible for FREE checking during this entire time. What part of my " contract '' with XXXX is enforceable - the one that I get free checking? Or the one were I have 90 days to dispute a charge even if the charge was a bank charge that should not have ever been applied AND was applied due to an admitted fault in their system?
Consumer complaint received 2015-08-11
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In the year 2000 I paid and closed a equity line of credit, and Citizens Bank never notified the Registry of Deeds in XXXX XXXX in the State of Massachusetts I had to pay {$77.00} to record this discharge which I feel the bank should have paid for the discharge. In the cover letter nothing ever said or implied that it was up to me to have this document recorded
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (PA)

I received an email message from Frontline Asset Strategies on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX XXXX XXXX ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX sold my account to XXXX XXXX several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of XXXX XXXX. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, XXXX XXXX continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXXrontline Asset Strategies message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX XXXX XXXX XXXX.. If we are unable to assist you while your  account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} XXXX consecutive monthly payments of {$25.00} XXXX XXXX Strategies has implied there is monies owed to XXXX XXXX XXXX XXXX., Frontline Asset Strategies has misrepresented on whom they are acting on behalf, Frontline Asset Strategies sent a clear text message to a shared email address  containing confidential information, Frontline urges immediate payment or face to the account being recalled and sent to a lawyer, Frontline Asset Strategies implied they have been trying to reach me, this was the 1st communication I had received from Frontline Asset Strategies. XXXX XXXX had been notified of the balance dispute via a direct filing with the credit reporting agency. XXXX XXXX has not taken any action, nor provided any response to the credit dispute. In countless way, Frontline Asset Strategies and XXXX XXXX have violated rules under the FDCPA.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

My mortgage is wi th Ocwen Home Loans,  not by choice.   On  XXXX   XXXX ,   XXXX  , I faxed a request fo r Ocwen to discontinue my escrow according to the guidelines set forth in my agreement. In my documents, it clearly states that an escrow account is a courtesy not a requirement ; however, my request indicated that an es crow account is required, therefore my request was denied. Your account information is limited online and this company does n't honor it 's own guidelines.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I used rewards points and credit card to buy 4 tickets to XXXX. 
Since Covid, the flight was subsequently canceled. USAA is claiming that they can not refund the tickets. They are using a third party vendor XXXX that is unresponsive. I have attempted on multiple days to reach out to the vendor to no avail. USAA is unable or unwilling to investigate the issue on my behalf. I just keep getting rerouted to same phone number run by XXXX.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (OR)

A debt is owed to XXXX XXXX College for a XXXX, the teacher was incompetent at teaching the course. I received a XXXX in the course which I was fine with until I started at XXXX the next quarter and recieved a 98 % in a college XXXX course, My math skills placed me out of the course I scored a XXXX in. I thought the class was paid for but since that time i have received repeated harassing phone calls from XXXX. XXXX XXXX College clearly has no interest in the welfare of their student body if this is the agency they send outstanding debts to. 
I have been called over XXXX times by the rock hill number generally XXXX a day to XXXX a day but recently has lessened in frequency though I also received calls past XXXX which is illegal in itself. I have donated money XXXX XXXX XXXX College, however i am not going to pay this " debt '' after this serious harassment.
Consumer complaint received 2016-09-27
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (MD)

paypal has frozen my account, locked my funds without notice and when asked why they said my busniess was growing too much. The number of disputes with our customers was always the same ratio as the amount of items we were selling since we started. we have always provided the goods and services to our customers with updated tracking info on every single purchase. we are highly experienced with our business as we have been selling goods with paypal since XX/XX/XXXX however paypal calls us a high risk. In addition paypal allowed us to open an additional account for the convenience of our business the XXXX was in XX/XX/XXXX the XXXX in XX/XX/XXXX paypal always knew we had a XXXX account and they were linked together. XX/XX/XXXX paypal placed a reserve on our account because we received a higher number than usual of unauthorized chargebacks. Paypal accuses us of circumvent their reserves and violating their policies in section XXXX of their user agreement even though we opened the XXXX account over a year before any reserves were placed. cleary we did not open this XXXX account to circumvent.
Consumer complaint received 2016-02-04
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has instituted XXXX, a feature that requires you to have a US cell phone to receive a text message in order to process certain transactions. The issue I am having is that I am currently living abroad, and hence do not have domestic cell phone service. This is preventing me from requesting wire transfers in excess of {$1000.00}, and thus can not pay my rent. Their solution is to send the money in XXXX separate wire transfers, allowing them to charge me {$35.00} twice for each transfer. In other words, by limiting my wire transfer amount ( in the name of security ) Bank of America is effectively doubling their profit. I have contacted them to have this feature removed, and they refused.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have asked the credit bureaus to remove addresses that not mine my correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX I am including a bill with my correct address on it .Please DELETE the wrong addresses XXXX XXXX XXXX, XXXX XXXX Ohio XXXX, XXXX XXXX XXXX, XXXX XXXX AL, XXXX. The following jobs are not mine XXXX MO, XXXX XXXX XXXX, UH My current job is XXXX XXXX. I should have ONE variation of my name that is XXXXXXXX XXXX
Consumer complaint received 2016-10-11
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Rosebud Economic Development Corporation (OK)

I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma XXXX XXXX XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
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: Experian Information Solutions Inc. (TN)

I requested my consumer reports via XXXX and XXXX, and Experian gave denied my request. I would like my consumer report and credit file from both companies and XXXX also.