davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

I have a Discover card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (PA)

This loan was paid off in full in XXXX of XXXX. XXXX XXXX never closed the account, alleging we were issued a refund in an amount greater than what was owed. Why would they issue us a refund if we were paying the account in full? Regardless, we never received this alleged refund. This is corruption. XXXX acquired the loan and asserted we owed {$1000.00}, and now Mohela is asserting the same false claim. XXXX XXXX and XXXX were both revoked from servicing federal student loans due to misleading business practices. How long before Mohela suffers the same fate? Well, heres complaint number XXXX! They are attempting to service a loan that was paid off in full XXXX  years ago. Due to the extensive length of corruption from XXXX XXXX and XXXX, Mohela has now absorbed the same unethical, inappropriate practices that lost XXXX XXXX and XXXX this privilege. This is affecting my credit score, and I am extremely dissatisfied. Mohela is making false claims, and they failed to correct it.
Consumer complaint received 2019-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

This is about XXXX 's XXXX XXXX ' fraud case. I am not sure if this is the right place to report ... 

On XX/XX/19, I lost XXXX dollars from my checking account as a person name XXXX transferred the money out from my bank using XXXX 's XXXX XXXX ' feature of online banking. Up until this event, I did not know the existence of the feature and have never used it. We never enrolled for such service and never got verification prior to the transaction. Only my family member which consist of my husband, and my son and daughter know the login ID and password for online banking as they are listed under my account. We reported this to police and they gave us a report but according to the fraud department from TD, because the hacker was using the same IP address they can not refund my money back. I am not satisfied with this answer. My husband, my daughter, my son, I have been a good customer with TD bank for over 10 years and this never happened. We changed our debit card number and account number the very next day after we locked the account. We are reporting that this transaction was not made from us and the fraud department is saying that they can not do anything at this point. I conducted some research and it seems like this XXXX fraud case is getting popular across the country. According to XXXX, approximately 70 percent of fraud victims were able to get the reimbursement within a week, and the other 30 percent had to contact XXXX to report this case and file a claim via the Consumer Financial Bureau to get their money back. XXXX also tells us that " it requires financial institutions to verify that the customer has control of the email address or mobile phone number, most commonly through verification codes. '' We didn't receive any verification code whatsoever and we didn't even enroll to XXXX. I visited TD bank branch on XX/XX/19 to talk with regional/store manager and gave them all the information but they gave me final decision today ( XX/XX/19 ) that they are not going to refund me because the hacker was using the same IP address which does not make any sense to me at all. This is entirely their security issue, not the customer 's responsibility. It is unfair that they are not willing to reimburse what they lost. All I did was having an account with them and trust them with my money. 

Attached are the articles from XXXX regarding this case, bank statement for the unauthorized transaction and redacted police report.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MD)

I paid this account monthly, and I was never late. I have not charged anything to this years. I have been paying it down in order to close it out. The company closed the account which led to my credit score dropping tremendously. I called and inquired as to why they closed the account and I was told that it was because my debt to other companies was too high. My credit report will confirm that I have had an excellent payment history. During the Government shut down I missed a payment to another company which caused me to have one missed payment on my record for 34 years with this company. This had nothing to do with Barclay. I have no problems with Barclay closing the account. However it was closed in such a way that it negatively impacted my credit score.
Consumer complaint received 2019-08-24
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: Experian Information Solutions Inc. (RI)

I had a debt with XXXX XXXX. XXXX XXXX sold my debt to XXXX XXXX XXXX. XXXX took me to court to pay {$670.00}. I made an agreement to pay {$30.00} weekly. The debt was paid in full on XX/XX/2019. XXXX provided me with a letter showing the account was PAID IN FULL. Despite my having paid in full, my credit score has dropped points on a couple of occasions because the account came up FP ( Failed to make a Payment ) for XX/XX/XXXX and XX/XX/2019 under Experian. I filled a dispute in XX/XX/XXXX to Identify the issue. Experian reported that the dispute had been completed, however, the report shows that it was now a charge off. Again, I attempted a dispute to Experian, but it would not process showing that there was already an open dispute. This was confusing. I called Experian directly to address the issue. The man started a new dispute XX/XX/19. The issue has been furthered, as today, XX/XX/19, Experian shows an alert for an unpaid account. When open it shows that the account was ND for XX/XX/XXXX, FP for XX/XX/2019, and in another summary view shows it was charged off again. Non e of this information is accurate. I can provide a receipt of every payment made, including the receipt showing that the account was paid in full.
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: Colony Brands, Inc. (OR)

Credit alert regarding a Hard Inquiry that I did not request ( Ginny 's XXXX ) - Haven't even heard of the company that made the inquiry. I called the company making the inquiry and they had no record of making the inquiry on my credit report. I then filed a dispute with XXXX. They " investigated '' which was complete within an hour or two and credit report remained unchanged. I called XXXX and they indicate they can not change it without supporting documentation and a police report. First, since I requested no inquiry and don't know the company making the inquiry, there is no documentation. Second, no police department is going to file a report for a hard inquiry on my credit report.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I found a state of Florida funded program that claimed to not charge for a 3 momth program of XXXX  ( XXXX ) treatment. I was accepted into said state funded program. I had XXXX XXXX XXXX, recognized by the admitting nurse at the facility. Instead of deferring admission, the nurse called an EMT. I was under the impression one program was responsible for the other, so I did not contest the nurse 's discretion then and there. Ultimately, I was sent via ambulance to another facility and am being invoiced {$300.00} for treatment that costs {$5.00}. I am being invoiced $ XXXX for an ambulance ride when an XXXX would cost {$10.00}. A cab might cost {$20.00}. I would attempt to resolve this with said facilities but, ultimately, these specific institutions have violated the original terms of my agreement with them and they have lost my trust. This went to a factor, acting to collect in approximately 60 days. I was still in the program and not gainfully employed nor was I making advancements in monitoring paperwork. Not only have these institutions violated my trust, they have grossly mishandled the involved parties ' finances. Why would anybody call an ambulance when a person is not in need of an ambulance? Because it doesn't matter if the program isn't footing the bill? Because if it's not part of the government purchase order, " caveat emptor ''? I was cheated, swindled, and am the XXXX of this bureaucratic joke. I am shocked and appalled by these shenanigans. If any were to review my admitting documents, they would concede my legal consent for these services was not given.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX of 2020. The last attempt I was told that I would have to reach out to the credit bureaus from correction. That doesn't make sense. It is inaccurate why would the solution be to contact the reporting bureaus. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Consumer complaint received 2023-02-22
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$120000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00}
Consumer complaint received 2023-02-21
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. (AZ)

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

Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

It started on XX/XX/19 at around XXXX XXXX. I had gotten an email from PayPal saying that they had confirmed a purchase of {$99.00}. I went into my PayPal to see if I could reverse or stop the transaction, but it was already too late. I didn't make the purchase and I wanted my money back so I reported it to them. I waited a few days for them to contact me back and they said that the transaction was authorized and that my statement was false. They then continued to lock me out of my PayPal account until I had proof of my bank, bank statement, and a driver 's license ID picture sent to them. They said it would take 2-3 business days until I could get back into my account. I decided to take this onto their social media outlets which only solved me getting back into my account, but not getting back my money. They said that they will pit a specialist on my case but I haven't heard back from them. I was under the impression that PayPal was a safe and secure way to send and receive money, but I was clearly mistaken. I don't understand why I had to do so much in order to only get the problem partially solved.
Consumer complaint received 2019-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CO)

I have a XXXX loan with Discover. I have been faithful in making payments for several years without being late. They had a " glitch '' in their system recently that they were aware about, according to XXXX whom I spoke with today, that resulted in us being switched, without our consent, from paper statements to paperless. We relied upon the paper statements to stay on top of our payments. As a result of their error, we missed a monthly payment and we lost our XXXX XXXX interest rate deduction for timely payments. I contacted the company and spoke to the above person, who said that even though it was their mistake, there was nothing they could do to reinstate our interest rate deduction for timely payments. As a consequence of their glitch, I am paying a higher interest rate on my loan for the foreseeable future.
Consumer complaint received 2019-08-23
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: AMERICAN EXPRESS COMPANY (GA)

I signed up for a credit card with American Express to receive XXXX XXXX miles after spending {$4000.00} in 3 months. I called American Express several times asking for a status. They have told me that insurance payments dont count towards the {$4000.00}. I had a customer service rep investigate this on XX/XX/XXXX. She said that that was in error and on XX/XX/XXXX I would have received a bonus. Today ( XX/XX/XXXX ) I used the chat function and called and was told that the previous investigation was closed and I would have to wait XXXX days for a new investigation, followed by an additional XXXX weeks. This was after they told me I would not qualify, but then corrected themselves after being told to check my record.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Recovery Solutions Group, LLC (VA)

On XX/XX/XXXX I submitted a written notice to the debt collector informing them to stop contact with me. The contact has been extremely harassing, and unwelcomed. This debt collector has repeatedly used the phone to annoy me. This debt collector has informed she would hang up while I was speaking, and she did just that. Anytime an individual hangs up the telephone abruptly, ( as this debt collector did ) obviously the conversation is not welcoming, but instead extremely negative. 



Background Information : I suffered a house fire in XXXX, and the company they represent for the debt has not returned my personal belongings they removed from the property during a time I trusted them to clean up fire related damages. The personal belongings removed from the house were not fire-related, neither damaged by the house fire and to date has yet to be returned, or paid for. The company this debt collector represents is XXXX XXXX. 

Despite talking to this debt collector in the past, to date I have not received any written validation notice showing how much money I allegedly owe, the name of this creditor ( provided verbally but not in writing ), and instructions on what to do. Especially since I informed the debt collector that I dispute the debt. 

This debt collector informed she spoke with my insurance company, XXXX XXXX, and XXXX informed her that I received a check with a specific amount of over {$6000.00} dollars. I did not give permission for this debt collector to contact my insurance company for any reason. In fact, the last time I communicated with this debt collector, she informed me she would communicate with their client XXXX XXXX as a follow-up to the information I provided. I believe this debt collector violated the law by discussing information related to the debt with anyone other than myself, as my husband is deceased. 

The information this debt collector informed she collected was not to find my address, nor home phone number, nor where I work, but she collected information on my house fire claim damage payments and checks. I believe this conduct is a violation of the law. I did not give permission, neither was the permission requested by the debt collector to contact my insurance company XXXX XXXX.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have called at least 6 times in 1 week trying to find out why my mortgage lender is not able to pull my credit report through Equifax. No problem with the other 2 bureaus only this one. They keep assuring me that my account shows nothing wrong with it but we still cant pull the report. My husband is having the same issue. Noone tries to help figure this out to help us. I verified the addresses on file because this is the message stating that the address is the issue but the address that was verified with me is the exact address that the lender is using. I am trying to purchase a home because my lease is up in 30  days and I have to deal with this XXXX from this company. They are really keeping me from being able to get a house. I am looking into legal action against this company if we have no place to live because of this. Its ridiculous that creditors that I authorize to run my credit cant do so. Please fix the system now
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

Hsbc bank is trying to collect funds I do not owe them, in XX/XX/2018 I had a balance of {$3800.00}, I went online to make payment in full, I noticed that I set up the payment for XX/XX/XXXX which was my due date, that was a mistake as I wanted payment for XX/XX/XXXX, I went and looked at transaction history and the previous payment didnt show, so I went and made the payment for XX/XX/XXXX, this payment cleared my bank on XX/XX/XXXX, my account then had a XXXX balance, then I found on XX/XX/XXXX Hbsc sent an ach to my bank for {$3800.00} when I had a XXXX balance, this was rejected by my bank for insufficient funds, I called HBSC about this and spent near an hour on the phone because now my credit card showed a credit balance of - {$3800.00}, when I called they said well we can send you a check for the credit amount, I told them no do not do that because you never got that money from my bank, she said well it shows up here, I said youre not going to get the money, they said then call back after that showed on my account, I waited then I received a check for {$3800.00} in the mail, I called them again and told them what had happened and that they had then charged me a {$25.00} returned check fee and sent me a check, after another almost hour on phone this was supposed to all cleared up and they reversed the {$25.00} returned check fee, I also told them to cancel the credit card, so I shredded the check they had sent, shredded the credit card, then on XX/XX/XXXX I  received a statement from HSBC, I did not have my log in so I ignored it, mind you I have not received a statement since XX/XX/XXXX, XXXX I started getting unknown XXXX calls and found out it was Hsbc, I called back and they said they were attempting to collect a debt and I owed them {$3800.00}, I told them this was supposed to be cleared and I shredded the check they sent and advised as to what happened, now they refuse to clear my account and the girl said they may have to send me another check and I would need to cash it and pay them again, I am in fear they send another check then they will say I owe them over 7000, I told them you are a bank, can you not see I never cashed the check and they should just put a stop pay on it and this would be cleared up, I dont know what more I can do
Consumer complaint received 2019-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (ME)

Called repeatedly, called my family, hit my credit report for a loan, which I did not apply, called the company, asked on XXXX calls to identify themselves, refused, researched company online and are known for this and was sued by the government and citizens, refused to stop calling when I'm at work, called before XXXX XXXX and after XXXX XXXX, have all call logs and witnesses from calls. Performant financial hit my XXXX credit report as a hard inquiry.