davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-30
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (VA)

Fund transfer was done on XXXX XXXX 2015 and suppose to be delivered to receiver by XXXX XXXX 2015 but till XXXX XXXX fund not received. As per Western Union money delivered to Receiver 's bank and Case XXXX was opened and resolution till today. receiver have to go to the bank every day to check but no fund in the account and receiver 's bank has no record of fund transfer received from Western Union.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  has pulled my credit over four times in a series of days. I have not agreed nor allowed for these inquiries to my account.
Consumer complaint received 2015-03-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX i filed for XXXX and noticed that i am a victim of XXXX. Someone took out a personal loan/loans using my identity. there for ruining my credit. in XX/XX/XXXX.It has been going on since XX/XX/XXXX
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (FL)

My husband and I are writing to inform anyone and everyone about our predicament. In 2006 we refinanced our home with our " financial advisor '' who obviously swindled us into a deal that we can not get out of. We have tried working with our loan servicing company at least 2 times to get a fixed, lower interest rate and were always denied. So unfortunately, we decided to pay XXXX XXXX XXXX XXXX {$3000.00} because they guaranteed that they could help us negotiate with OCWEN. Another swindler. We are in an upside down mortgage and just wanted to lower our interest rate and make it fixed! 
Why are good people like us continually running into this issue? We pay our bills on time and have never missed a house payment, although others have advised us to stop paying the house payment so that we can get help, and because of that, we can not get a simple, permanent reduction in our variable interest rate. Is this legal? Certainly it is n't ethical! 
After XXXX agonizing months, with us repeatedly sending OCWEN our documents, they denied us again. Why does this keep happening to us? Because they want our money and because we can pay so that means that we do n't deserve a break? 
So after returning from being with my sister for 2 months who is currently undergoing XXXX for XXXX XXXX, we tried to get help from XXXX XXXX. The man was helpful and quite nice, but after XXXX minutes we found out that they can not help us because our original loan was not financed through Fannie Mae or XXXX XXXX. So for this reason, we do n't qualify. Is this our fault? Is there nothing that we can do to just get a fixed, lower interest rate??? 
So I would love to know if there is anyone, anywhere, who can help us? We just found out within the past 2 weeks that my husband 's income will be reduced by {$5700.00} a year because our legislators took money away from the most vulnerable people -- the children. He is a XXXX in a XXXX XXXX school and has been receiving that money for working an extra hour of instruction each day but because his school population has only 85 % free and reduced lunch, they no longer qualify for this benefit of an extra hour of instruction. This happened to XXXX out of the XXXX schools that have this XXXX XXXX hour. Since I am a retired XXXX and am on social security and my retirement pension, that is a big chunk of change coming out of our pockets each month. But did our legislators care about robbing our students of a quality education just because they are n't poor enough? Really? So now just at his school, that 's about XXXX teachers that will lose that money in a time when the prices of everything goes up but their salary. 
Just like the children fall through the cracks, now we fall through the cracks because we do n't qualify for any kind of help. Every time we try to get help, it is a draining process both physically and emotionally. 
We believe they have NO motivation to help us because they will lose our hard earned money and we always pay our mortgage payment.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CA)

I received an email yesterday about purchases made on the XXXX and the XXXX of XXXX about fraudulent charges on my credit card. I called Discover and they went over what charges occurred, and said I had XXXX liability but I should file a report.
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I disputed my Equifax report in XXXX with supporting documentation showing the account status in the Equifax report are incorrect. However, it still shows incorrect information and Equifax agency is disregarding the supporting documentation to support my dispute with the XXXX XXXX XXXX account XXXX.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

As per  XXXX  from Navient on  XXXX   XXXX ,2017 she has advised me she will HARASS my family and friends by phone every day until a payment is made. My name is the ONLY name associated with the account so they have no right to harass anyone. I considered this a threat.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

The following shows up on my equifax credit report. 

( Preferred Customer Account ) Account Number : XXXX Account shows open with a balance of XXXX. This was included in my chapter XXXX bankruptcy and was discharged on XXXX/XXXX/2016.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Inquiries not authorized being reported on my credit report XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX Bank, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

Enhanced Recovery claims to be collecting for XXXX XXXX XXXX. I know I do not owe that company any money. They have ignored my letter asking for validation and proof of the debt belonging to me.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Assist (FL)

i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.
Consumer complaint received 2016-03-21
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (IN)

On XXXX XXXX, 2016 i loaded {$500.00} to my account ending in XXXX. My account has since been frozen, with no ability to use the card for debit transactions, no bill pay functions, no ability whatsoever to transfer money off the card.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

I am writing to dispute a billing error in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account. The amount is inaccurate. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc (CA)

on XXXX 2016, I use XXXX credit card under paypal to pay for transaction {$20.00}. Paypal charged me {$20.00} for that transaction also XXXX credit card charged {$20.00} for the same transaction. I call paypal to dispute and they refused to refund me.
Consumer complaint received 2017-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Back in  XXXX     2015 I r ented a car from  XXXX . My credit limit was {$300.00}. When I returned the rental they told me I did n't owe anything. When I check my credit card I was charged {$1200.00}. I told them I did n't authorize a  XXXX
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (ND)

My identity information was used to create a credit account with XXXX XXXX XXXX through Synchrony Bank. Sometime in XXXX XXXX. From talking with Syncrhrony Bank they are going to submit forms for me to complete to remove this from my credit history. However, I am filing this information as a back up to assure Syncrhony Bank follows through.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

XXXX via XXXX multiple hard inquires to Equifax - XXXX, uthorized hard pulls = Total of XXXX, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 XXXX - MORTGAGE DEPARTMENT : XXXX Creditor Contact Information : XXXX - MORTGAGE DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - MORTGAGE DEPARTMENT : XXXX XXXX/XXXX/15, XXXX/XXXX/15 Creditor Contact Information : XXXX - MORTGAGE DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CT)

We were engaged by senior specialists of Wells Fargo / ASC and presented with a mortgage modification near the end of XXXX. The opffer was incredible in that it was reducing our interest rate substantially. Our only hesitancy of doing it was regarding any credit reporting issues during the process which was going to alter the terms of the existing mortgage. We were assured in no uncertain terms there would be no negativity reported. We agreed and the process went forward. Much to our chagrin, what we were told and what took place to this day of complaint is just the opposite. ASC had & continues to report derogatory payment history, false & inflammatory on my wife 's credit history which has diametrically damaged her rating & reputations. We tried every which way to communicate to Wells Fargo executive to no avail - we were stonewalled. We have a complete file including voice recordings of the calls and documents & PDF files to support our attempts - all to no avail. We pulled a free report this date from XXXX & XXXX! There was the negativity rating my wife in the " poor '' category reporting to XXXX XXXX, XXXX & XXXX, who all refuse to do anything about it citing it is Wells Fargo / ASC 's responsibility to do so. The following is only XXXX letter / FAX sent to ASC personnel to get this cleared up to no avail! I produced a XXXX report this date for the past 4 years - not XXXX missing payment - ever! Yet my wife 's credit is assaulted and her being defiled by Wells Fargo & ASC 's actions. 

TO : XXXX XXXX ; XXXX XXXXFROM : XXXX XXXX XXXXFax # : XXXXXXXXDate : XXXX/XXXX/XXXXSubject : Negative Credit ReportingDear XXXX & XXXX ; I need your help! Please find enclosed copies of the XXXX & XXXX reports reflecting negative credit reporting under my name by ASC. As you are aware & it should be well documented in the ASC files, this was the subject of major concern by me & my husband prior to my entering into the modification program. We were absolutely assured by you, XXXX XXXX XXXX & XXXX XXXX that absolutely no negative reporting was going to be made & yet here it is. 
I attempted to communicate through the email portal on your website. What I received was a response back regarding someone else 's account information & name. It appears that someone never advised the " system '' of the agreements & goings on with the modification. I am very concerned over the period of XXXX & end of XXXX. Some of the XXXX negativity will come off this year. It is the current year reporting along with incorrect figures & balances owing to these reporting agencies that has me very, very upset. I was told along with my husband that nothing of the sport would take place & yet it did. I did everything I was told to do by ASC and yet this has still occurred. 
Please review this & contact me at either XXXX or Cellular XXXX to discuss this and how quickly this oversight can be corrected to all three reporting bureaus. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (IN)

Great Lakes Student Loans has been servicing my federal loans for several years now. I have been making large, timely monthly payments for the past two years. At the beginning of XXXX, with enough money saved up, I decided to pay off my smallest federal student loan. I called Great Lakes customer service and woman explained to me that I would have to make an online payment, but that she would make a " note '' in my file for how the payment should be allocated to the smallest loan to pay off the balance. She told me this would take XXXX5 business days. I checked one week later and my payment had been allocated equally among my XXXX federal loans. I called the Great Lakes customer service department again where a woman explained that sometimes it can take up to 10 business days for this to be allocated correctly, but that it would be allocated to the correct account going back to XXXX XXXX. 

I checked this morning and saw that while Great Lakes had allocated my payment to the correct loan, they had taken out my monthly payment from the large loan payment made on XXXX XXXX, despite the fact that my monthly payment was not due until the middle of the month. I called the Great Lakes customer service department AGAIN, when a customer service rep tells me that we ALWAYS have to make the monthly payment PRIOR to making ANOTHER payment to pay off a loan. Not only had this not been communicated to me EITHER time I called, Great Lakes informed me that this " monthly payment requirement '' is counted by the MONTH and NOT the billing cycle. So, even though I had made a $ 500 monthly payment in the middle of XXXX, since I wanted to pay off my loan on XXXX XXXX, I would have had to make ANOTHER {$500.00} payment in XXXX in addition to the {$4000.00} payment I had planned to make to pay off my loan. This is high way robbery of students who are working hard to pay of their loans ON TIME and AHEAD OF SCHEDULE. It is n't enough to not " communicate '' these necessary pieces of information. In order to FULLY pay off the loan, I was forced to pay ANOTHER {$360.00} TODAY. 

I expected so much more of a company that is servicing federal student loans. This is absolute XXXX that I have to call a company FOUR times to properly apply MY payment to the appropriate loan. Meanwhile, making hundreds of dollars of interest in the " confusion. '' Great Lakes MUST change this. Students should be allowed to pay off the balance of ANY loan at ANY time and not jump through rings of fire to do so. They need to change their website so that students can select which loan they want to pay-off and give them the capabilities to do so. Great Lakes needs to apparently TRAIN its customer service representatives so that they know " key '' pieces of information like the calendar month payment requirement. 

It truly is unbelievable how difficult this process was and all I was trying to do was pay-off the balance of XXXX of my loans. Great Lakes should be be ashamed.
Consumer complaint received 2016-08-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MA)

Chase is not doing what they said they would for under water and people behind on their mortage they did nothing with the arrears did n't not lower my mortgage and they are now foreclosing on my wife and I which we are XXXX. And I have been trying to get a modification and they go up on monthly payments
Consumer complaint received 2016-04-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Waterfall Revenue Group (NJ)

Debt was paid to another collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX # XXXX and XXXX each for {$230.00}
Consumer complaint received 2017-01-14
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My small business debit card with Bank of America. On XXXX XXXX, XXXX I was shopping and made a purchase of {$180.00}. At the cash register after waiting in a long line, instead of providing my Bank of America Credit Card, I accidentally provided the debit card. They 're very similar, credit card is blue and debit card is light grey, but both contain the bank name in the same place, and the MasterCard logo. The purchase was approved but I did not have enough money in the account. On XXXX XXXX, this purchase and XXXX other much smaller business-related debits were processed. The bank paid all of them ( the XXXX smaller would have been covered had I not made the {$180.00} purchase ) but also charged my account {$35.00} XXXX times. On the XXXX of XXXX XXXX, they charged me another {$35.00} for " extended overdraft ''. On the XXXX of XXXX, I checked my account, found the problem, and deposited more than enough to cover these fines and debits. I was shocked that : # 1 they authorized it, and # 2 they did n't notify me. When I called the nearest branch, they said I must come in for discussion and set a time of XXXX. I immediately received an email confirming the appointment which amazed me they did n't do this for the overdrafts. The two employees I spoke to, XXXX and XXXX checked my account, and said I was only entitled to {$35.00}, the credit for one charge. When I asked why, they said " it depends who you are and what your relationship is with us. '' They further stated that it 's not the policy to check the money in the account before authorizing purchases under a certain limit. ( see website FAQ below ) I said I had thought it would be rejected if the money was n't in the account, XXXX said she warns people but does n't know what other employees say. To me this means it 's not an explicit policy to duly advise a customer. Also, I 've been with the bank over 20 years, and have borrowed and paid back {$50000.00} in business credit, although not since XXXX. 
The Website, under Debit Card FAQ 's is copied today : When you do not have enough available funds in your account to cover everyday non-recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non-recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart. '' To me, this situation is the result of false and misleading information provided to me.
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (MO)

Hello, I 'm in the process of buying a home. I had a debt that I paid to a collection agency and I need confirmation that I paid on the account to purchase my home. The collection agency is telling me I have to wait 30 days for a realease.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

My loans through XXXX XXXX were transferred to Navient. I wish to ended the length of the loan the help lower the cost of monthly payments ( which in turn actually makes them more money ) but they refuse to budge on making my payments actually affordable.
Consumer complaint received 2017-02-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Harris & Harris, Ltd. (CT)

Harris & Harris keeps calling me asking me to verify the last XXXX of my social with NO further explanation. My credit is XXXX+. I am not delinquent on anything. I checked. This is crazy.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

According to the Fair Debt Collection Practices Act ( FDCPA ), a company is required to verify a debt using documentation held within the businesses or their affiliates. 

I would like Scottrade Bank to provide verification of any debt that Scottrade Bank or their affiliates allege that I owe. 

According to the, Fair Debt Collection Practices Act ( FDCPA ), Scottrade Bank and their affiliates are required to provide this information promptly.
Consumer complaint received 2016-07-12
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: World Acceptance Corporation (OK)

World Acceptance was contacting my references and leaving them messages about how far past due I was and also asked a reference if they could make the payment or loan me the money to make the payment. They have also continued to call myself and also my work after they have taken me to court and been told to not contact me through work from me and they continuously call me everyday on both numbers.