davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2015-07-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN EXPRESS COMPANY (CA)

On the XXXX contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.
Consumer complaint received 2017-02-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

One of my lenders, Navient, offers an additional Interest Rate Reduction Benefit on their loans that they claim I 'm not qualified for. They claim there are XXXX requirements to qualify for this particular interest rate reduction benefit : 1. Make 48 on-time payments. 
2. Create an online account before a grace period ends. 
3. Be set up for e-mail correspondence. 
When I initially called their customer service line to ask about this interest rate reduction benefit, I was told I was n't eligible for it because I was not set up for e-mail correspondence. The representative I spoke with agreed to follow up with me after doing some more research. 
I received a letter date XX/XX/XXXX that now says I am ineligible for this interest rate reduction benefit because Navient 's records indicate my payment for XX/XX/XXXX was not on time and I was disqualified, which is strange, since my payments did n't start until XX/XX/XXXX. I 've attached the export from Navient 's website of the disbursement and payment history over the life of my loan, as well as a photo of the letter Navient sent. 
Ultimately, I would like this interest rate reduction benefit applied and backdated to the life of the loan, as well as all my payments.
Consumer complaint received 2020-12-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo Bank Is not allowing me to have outside mitigation. I have requested it many times after there refund to me in XX/XX/2020 of XXXX which is not even close to the amount that they owe me. It is clear in the settlement they signed that if I am unhappy with there refund it is part of the program. They have been nothing but ruid and not candid from the day they started lying to me 14 years ago. This bank is no better today than the day that they stole my truck. I have filed complaints only to get the same letter or we need more time letter and it is not right. This bank is useless and really why did the OCC lift the cap on there max value when thousands of people are as mad as me about this CPI and then the fake accounts and mortgage fraud changing paperwork and loan papers lying at each turn. what is the current scam this month. 
The People of America dont need Wells fargo Causing us headaches,. It is time we cause them to go out of business.
Consumer complaint received 2016-11-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I have a car loan XXXX account # XXXX XXXX through Chrysler Capital. I 've noticed that every time I give a payment, they charge me a fee of {$2.00}. When I first financed my loan I was not given any information to me paying extra fees to pay my already financed vehicle. I 've taken the liberty to copy/paste the disclaimer I have to accept to if I want to make a payment online. 
" Chrysler Capital uses another company, XXXX, to provide money transfer payment services for its customers. If you choose to make a one-time payment using XXXX, you will be sent to a XXXX secure website. Chrysler Capital and XXXX will share your information to complete the transaction and process your payment. XXXX will charge you a money transfer fee in the amount of {$2.00}. XXXX is not involved in the collection of your account. A single payment may not be greater than {$2000.00}, plus the XXXX transfer fee. You may make multiple payments if necessary ''.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I bought an item through PayPal and the transaction looked shady. I notified PayPal and they said they could do nothing about it and closed the dispute leaving with out my {$99.00} and item that was never delivered but sent to an unknown address in XXXX, NY. I reached out again to tell them the item was never received but sent to an unknown address and still received no help. I just want my money back. 

You'll see " PAYPAL *XXXX  '' on your card statement. 
{$99.00} Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX United States Have you received this order? 
XXXX XX/XX/2022, Sent by XXXX Status : Shipped Transaction ID XXXX Contact info Note Thank you for completing your Order # XXXX on our Online service store! Please check and complete the payment. We will confirm your payment and shall notify your soon If you have any questions, please contact us. We are looking forward to your feedback Details Sent to {$99.00} Total {$99.00}
Consumer complaint received 2018-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that XXXX XXXXXXXX XXXX pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST (CA)

IN XX/XX/XXXX BANK OF THE WEST FINANCED A XXXX MOTORHOME, WITH {$20000.00}. CASH DOWN, {$15000.00}. TRADE IN ON A XXXX TRAVEL TRAILER AT 8.5 PERCENT INTEREST FOR A 15YEAR MATURITY. THEY OFFERED EACH YEAR A DEFERMENT AT XX/XX/XXXX AND A {$25.00}. FEE AT THE TIME, OVER EIGHT YEARS FURNISHING PAYMENT SLIPS FOR EACH MONTH WITH THOSE EIGHT MONTHS ADDED ON. XX/XX/XXXX CONCLUDED THOSE 15 YEARS PLUS 8 MONTHS, JUST COMPLETED THOSE PAYMENTS IN XX/XX/XXXX LAST. NOW BANK DEMANDING ADDITIONAL {$16000.00}. IT SEEMS THE BANK TOOK THE FOLLOWING MONTHS AFTER DEFERMENTS PAYMENTS THEN APPLIED THE FULL MONTH TO INTEREST ONLY. TO US THIS IS VERY UNSCRUPLUS, AND UNFAIR IN THE EXTREME. NOW CHARGING {$25.00}. EACH MONTH NO ADDITIONAL PAYMENT IS MADE WITHOUT FURNISHING ADDITIONAL PAYMENT SLIPS AS THEY INDICATED ON FINAL PAY SLIP.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have reached out to all of the Credit agencies And they said everything was accurate but upon my investigation and research theres nothing consistent or accurate. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

On XX/XX/2022 I reviewed my consumer reports and noticed 5 accounts being reported by Navient. Each account is reporting inaccurately. I mailed Navient a certified letter via USPS ( tracking number XXXX ) which they received XX/XX/2022 ; making them aware I did not agree with the amounts of the alleged debt they are furnishing to consumer reporting agencies. I requested all documentation that proves their claim is valid, including how the amount was calculated. In my letter to Navient, I included a copy of my North Carolina Identification card and Social Security card. I have attached a copy of that letter here.
Consumer complaint received 2017-03-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (IN)

On XX/XX/XXXX, Midland Credit Management called the main line at my office, asking to speak with me, and tried to collect on the debt. I summarized the event in an email to MCM. Please review the email for a detailed account. Also, I submitted the complaint to MCM in email to XXXX and through MCM 's online complaint system. I have not received a response. However, I have not received another collections call at work.
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (GA)

Ive been sent a letter in the mail earlier this year I believe in regards to a debt made out to me as a result of somebody stealing my identity. Sent money to my account using the routing number and my account number and used my card to buy stuff which I did not authorize. I called to speak on it and was told Ill be called back but never was. This was I believe two years ago as well.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OR)

I have a loan with CitiMortgage that I 'm trying to get modified. 
On XXXX, XXXX, 2016 CitiMortgage sent me a letter stating that my loan was being reviewed for modification and a request of document listed. 
CitiMortgage currently has a sale date of my home for XXXX XXXX, 2016. They will not cancel or postpone the auction for me while they are reviewing documents. I believe this is dual tracking as they can sell my home while I am being reviewed for a modification by the underwriter.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (MD)

I have submitted dispute to remove unauthorized accounts on my credit report and have yet to receive my results or the response requested in my dispute. It seems like the company is verifying accounts without proper investigation. Please see attached docs and act accordingly
Consumer complaint received 2022-07-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MN)

Ally Bank sent me an email for a promotional bonus if I opened a checking or savings account and set up direct deposit. The account had to be opened by XX/XX/XXXX, direct deposit had to be set up by XX/XX/XXXX and the promotional offer of a {$250.00} bonus was to be deposited in the account if it remained in good standing on or by XX/XX/XXXX. I followed all rules of the promotion and still have not received the bonus I was promised. I have called the bank several times over the last several weeks with no resolution. They continue to tell me they have escalated my request and someone will get back to me. I called the bank on XX/XX/XXXX at XXXX XXXX CT, XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX Each time I spent over an hour on the phone with the bank. On XX/XX/XXXX my call was escalated all the way up to a supervisor. Her name was XXXX. She escalated my case ( # XXXX ) to the executive customer relations team. She stated this was the highest level it could be escalated to and that someone would reach out to me in 0-2 business days. It is now XX/XX/XXXX XXXX XXXX and I am speaking to XXXX again because they have not called or attempted to reach me by email. Again, they said they will escalate my request and someone will get back to me in 7-10 business days. This is not acceptable. They continue to try to ignore the issue by telling me they will get back to me, but nobody has. They are attempting to not pay the bonus that was promised. This is false advertisement.
Consumer complaint received 2020-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After multiple attempts TransUnion has failed to remove an inaccurate XXXX XXXX account from my credit file. I have sent all pertinent documentation to TransUnion  on several occasions and they have failed to properly investigate and remove the inaccurate account from my credit file. Both XXXX  and XXXX have already removed the account from my credit file. XXXX XXXX has never been able to verify the validity of the account and TransUnion has not been able to provide me with any documentation proving the account belongs to me.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I contacted Citibank on various occasions asking them to verify the debt they claim I owe and disputing the amount due. I also asked that they honor the repayment plan they made with me but they closed the account before I was able to send a payment. I wrote to them on all these occasions and received no response back, ever. In fact, several months passed and still no replies. I advised my credit bureau of these efforts and they refused to remove it from my credit report even though I provided them with records ( registers/certified mail ) and copies of the communications. Only then did Citibank respond to the letter.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on Equifax for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus Equifaz XXXX {$20000.00} XXXX - XXXX XXXX {$20000.00} XXXX XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim
Consumer complaint received 2017-03-21
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MS)

Our home was completely destroyed by a XXXX. We had a reverse mortgage with Champion Mortgage. The lender cashed our insurance settlement check of {$210000.00} and we were given a loan payoff in XX/XX/XXXX of {$110000.00}. In XX/XX/XXXX, we did not receive our balance from the insurance check. Instead the lender gave us another payoff balance that was an additional $ XXXX by adding mortgage interest and mortgage insurance ( for a home they cashed a $ XXXX check ). We have been homeless since XX/XX/XXXX and can not buy another home because this lender is : 1 ) continuing to charge us interest and insurance each month even though the lender cashed a check to payoff the mortgage 2 ) lender will not process our loan payoff 3 ) lender has stolen our balance due from insurance.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Monday, XX/XX/XXXX, I was notified by my clearance investigator that I had a 30-day late payment on my credit report. I knew this was wrong because my payments are on autopay but I went online to try to make a payment anyway. The website was down so I contacted XXXX and they informed me the site would be back up the following Monday. After logging in on Monday, I still could not make a payment so I called XXXX back. I finally was able to speak to someone competent as she did some investigating and realized XXXX misapplied one of my mortgage payments to the wrong loan. This caused a 30-day late payment on my credit report. She informed me it was the bank 's fault and that they would try to fix the late notice on my credit report. 
I am trying to get a personal loan and I can not with the credit score hindered by this misleading and inaccurate reported information from XXXX. This has caused some personal XXXX  and distress not knowing when this item will be removed. 
Please removed it from my credit report as soon as possible as this is a hindrance to my way of life and as a consumer, this is a violation that is still on my report.
Consumer complaint received 2020-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (GA)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called and emailed pro collect to try and settle debt although I don't agree with the amount.up on on XX/XX/XXXX and XX/XX/XXXX no amount was accept i offered to pay 200 dollars to start a payment plan i was told i needed more and that nothing would be accepted unless i had that amount, explained my circumstances and it was ignored and i was rudely hung up on. However on XX/XX/XXXX i called procollect trying to settle debt again and was told my account was restricted and no information could be provided to me and that i need to email Mr.XXXX, so i did and on Thursday XX/XX/XXXX @ XXXX XXXX Mr.XXXX called me and i asked if i could start a payment plan to try and resolve the debt and explained my situation and Mr. XXXX refused to settle or provide payment options. I aslo reached out again on XX/XX/XXXX trying again with the same end result. so I would like the option to settle if I could pay in full I would have. I want to settle this account and be done with it. I have no contracts that bind me to ProCollect , Inc and they have not furnished any documents that says I have to pay them but I dont want to prolong this any longer.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/22 i initiated a transfer of a {$100000.00} from ALLY Bank to XXXX that was offering higher interest rates than ALLY. The bank that i sent funds to was vetted by ally 's process in which they send 2 trial credits to the destination bank and in return i have to enter these two trial credits on Ally 's website to start transfers process. With that done the transfer request was made. After four to five business days no funds were received from ALLY to XXXXXXXX XXXX which is offering higher interest rates than Ally. XXXX i initiated inquiry to Ally why the funds were not transferred and ALLY froze my account with the receiving bank. I have made numerous calls and provided documents and screenshots of documents as to the owner and holder of the bank account of XXXX XXXX and still the substantial amount of money has not been returned to me or to the bank i wanted to be deposited to. It seems most but not all of the customer service are gaslighting this situation when there was no fault on my part. Customer service will not give me an eta as to when the funds will appear all they say is call in one or two business days. And the same process will start over again you have. After numerous calls and no action on XXXX XXXX the {$100000.00} was returned but my transfer privileges has been suspended and i can not access my funds. Todays date XX/XX/22 the day im making athe complaint, Its been over a month that this has not been rectified. I need access to my funds so i can make purchases for everyday living. Ally bank has been slow walking this in that they have to verify the account of XXXXXXXX XXXX  the new account offering higher interest rates. I have been with Ally for over ten years and the bank i have been making monthly deposit with into ALLY bank for the past ten tears has also been suspended. Its apparent they Ally only like to receive funds not transfer out funds that offer higher and more competitive interest than theirs. I am requesting that you investigate ALLys practice in suspending my transfer privileges, I want to transfer my funds out to institutions of my choosing.