davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I have had auto payment on my loan with Navient for years. On XX/XX/XXXX, I changed the account on which the payment should come from. Since the change would not go into effect until the next payment cycle which was XXXX, I made a one-time payment using the new account so that I would not go past due ; this payment did go through. 
While I was on vacation I started getting VM saying that I needed to call Navient and make a payment so that my account would not be negatively impacted. When I got back XX/XX/XXXX, I logged into my account to see that the account from which my payment would be deducted was no longer linked. I went through the process to link the account and it said/showed the account was active. I then tried to make a payment and the system said that it was invalid. I tried to link my old account and went through the same process to have the system say it was invalid. 
I waited 24 hours ( XX/XX/XXXX ) thinking that I may have locked the account and tried to link both accounts. The same thing happened saying it was invalid. I called Navient and spent over an hour on the phone with 2 different people. The 2nd person said that it was my bank that was blocking the payment. I gave this person my credit card information to make a payment so that my account would not go past due. I then called my bank and spent another hour on the phone with them ; they told me that they were not denying the payment and that Navient was refusing to take the payment. 
I received an email yesterday from XXXX stating that I was going to get a refund for {$120.00} but the email did not give me any details except to contact Navient if I had any questions. Then last night I received a call from someone at Navient stating that my account was past due and that I needed to make a payment immediately. I stated that I had made a payment on the phone already and that my next payment was not due until this month. They told me that the person I spoke to from Navient made the payment directly to the Department of Education. 
This whole situation raises huge concerns of how my loan is being handled. Not only am I dealing with possible delinquency on my account but someone from Navient took my personal information and credit card information. Now I have absolutely no faith that my account has been handled properly this entire time. I do not know if payments and/or personal information have been handled appropriate.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/19 I received 2 emails from XXXX XXXX XXXX XXXX one stated a trial deposit has been successful to my XXXX XXXX  account which I did not initiate and do not to my knowledge have. I tried to access my account a savings and a CD. I can view past statements but no real time data. I changed my password and verified that the only external account is the original one I set up. I am not able to see current data for today only past statements. The on line chat with a representative was listed as unavailable. When I dial the telephone number of XXXX I receive a message that the number is not in service. I have called the FDIC and the agent stated to call CFP since FDIC does not handle complaints about Synchrony bank.
Consumer complaint received 2019-11-25
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: EQUIFAX, INC. (SC)

XX/XX/2018 XXXX XXXX Balance- {$0.00} I am requesting for this company to update my credit file as PAID and remove this CHARGE-OFF from my credit file as soon as possible. I am a victim of identity theft and I do not owe this company.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

I have owned my home for 10 years. PMI was scheduled to be removed last year automatically when the original LTV reached 78 %. I applied for XXXX assistance earlier the same year and qualified for a very small adjustment ( & lt ; {$100.00} per month ) This apparently reset the timer on the PMI clock, but I was never made aware of this stipulation. ( My current PMI payment is {$200.00} per month ) Basically I used XXXX to save {$100.00}, yet continue paying {$200.00} indefinitely. Seterus will not remove PMI or provide me with an automatic removal date. I have never missed a payment and make plenty of money, the XXXX PMI each month is an insult that makes me consider walking away from the house.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

Incorrect information on late payment by XXXX was not corrected by Transunion as requested by XXXX. XXXX requested that each of the consumer reporting agencies to : " Delete the delinquencies from my credit report '' XXXX did as requested but XXXX and Transunion have not. This is my second complaint on this subject.
Consumer complaint received 2016-11-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (TX)

Sent XXXX different notified letters all 30 days apart requesting verification that I was the owner of this account. I asked this company to provide me with a signature showing this was mine only to get a copy of the BIL and no verification signature. After XXXX attempts, XXXX different letters, more than 90 days between the XXXX to reply and verify NOTHING. No proof whatsoever that this was/is my account so I asked them to remove only to not get a response back.
Consumer complaint received 2024-11-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (TN)

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-11-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CFS Holdings, Inc (TX)

on XX/XX/2019 I received a call from a private number. The representative, XXXX XXXX stated she had some very important legal documents that required my signature and she wanted to schedule a date for her to come out and deliver those documents to me personally. I asked her who she worked for and what company issued those documents. She stated she worked for XXXX and gave me a number to call to find out who sent the legal documents. I took number given to me and disconnected the call. I then called the number listed and spoke with XXXX XXXX who stated he was retained to settle a legal issue with Confident Financial Solutions ( CSR ). He then went on to imply that I was in trouble regarding this " legal matter '' Once I obtained the account information, I asked for a physical address to send a cease and desist letter. I explained to him that implying legal consequences for collecting was in violation of FDCPA, he attempted to say that I could be in legal jeopardy, however when I told him I was going to file a complaint, he transferred me to XXXX. XXXX said he was in the financial department and attempted to imply that legally I could have a legal consequences filed against me. Once I told him I knew my rights as a consumer, he backed down agreed that I was not in danger of legal action and both collectors before him should have read my Mini-Miranda rights ( which NONE of those mentioned above did at any time during either phone call ) XXXX said he would take my number out of their data base after I told him I would speak with the original creditor to set up payment arrangements. The call was disconnected after XXXX said he would refer my complaints to management. After disconnecting the call I phone the original creditor to ask who they placed my account with, I was told the account was placed in another collection agency called XXXX XXXX XXXX XXXX XXXX I have also been given the name of another collection agency that they could be calling from as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2017-07-14
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: EQUIFAX, INC. (FL)

I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus.
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (MN)

ACS purchased my loan from XXXX and noticed was not given in a timely manner. When I did receive notice, I faxed my deferment forms to ACS as I did with my other lenders. Last year, I consolidated all my loans with XXXX and ACS was paid in full and my account was deemed closed and paid. Earlier this year, I reviewed my credit report and noticed late postings from ACS on my credit report. I disputed the late reports due to my filing for a deferment during those time periods and requested a review of my account status from the credit bureaus and ACS. On XX/XX/2016 ACS re-labeled my paid accounts as delinquent! After contacting ACS numerous times over the next month I was finally put in contact with an account manager who stated that she would look into my situation. In reality, I had to keep in contact with her and send numerous inquiries to XXXX and XXXX disputing the accounts. Eventually, one of ACS accounts was put back on paid/closed/current status but the other account is still showing delinquent status even when it has been paid and closed. It is not showing the final payment and thus harming my credit. This is beyond the disputed late months that I was initially disputing with ACS and it seems to be in retaliation of my initial disputes. The ACS representative even informed me that they sometime misplace or lose the faxed deferment forms and if I could find my copy it would help but as I explained to her those forms were faxed years ago. In addition, I explained that regardless of my disputes of being reported late my account was in current status showing paid and closed and after my disputes they became delinquent which is not legal. 
In closing, I am requesting the CFPB to investigate my claim and account, return my accounts back to current and not delinquent as shown by XXXX and XXXX due to the information provided by ACS and also have ACS remove those late reports as my other student loans during those same time periods show current or paid due to the deferments that were in place. ACS more than likely overcharged me due to their practices but since they have already received their funds I just want my accounts to reflect the rightful status
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NJ)

We had Citi Cards before but cancelled all of them because bad services and rude behaviors. But we were forced to switch to Citi XXXX as XXXX changed the credit card partner because we were XXXX member. 

Only XXXX XXXX bill cycles, we cancelled the Citi XXXX because their unreasonable behaviors of Citi Cards. We are serious thinking if we should keep the XXXX membership right now. 

We received the first statement in late of XXXX, the due day was XXXX XXXX. When we did n't receive the statement in the early XXXX, I called Citi Cards, asking to resend the statement. Citi Cards refused to do so because I was not the account owner. My wife worked 60+ hours per week, she was busy, and exhausted after getting home, so I handled the bills. What I asked is to send the same statement to the same address, not change anything of the account. I did ask other credit companies to do the same, never have been denied. 

Citi Cards told me to wait, it may take longer time to deliver. But the statement did n't come, I called Citi Cards another two time to report the problem, they still refused to resend the statement. However, the lady I talked to in my third call said that you would be charged late fee, the combined bill would send you soon. 

But Citi Cards charged late fee. I called back, complained. After long argument, Citi Cards agreed to waive the {$25.00} late charge. But it has never been disappeared in Citi Cards voice message. 

We received the XXXX statement, the due day is XXXX XXXX. But Citi Cards blocked my transactions in XXXX XXXX. When I called them why, the lady said that I did n't pay the bill 21 days after due day. I said the due day is XXXX XXXX. She said XXXX due day. I said that I had already talked to XXXX representatives about the XXXX statement we had never received, the due day on the new statement is XXXX XXXX. She insisted that I had to pay the bill before Citi Cards unlock our cards. I asked to cancel the cards, she said that she was not working in cancellation department. Then I asked her to transfer to cancellation department, she said that you could not cancel because you are not the card owner. Then I asked my wife to talk to her, she still argued that we did n't pay the bill on time. After my wife told her firmly many time, please transfer me to the cancellation department, she just cancelled our cards immediately, not saying I am not cancellation department. 

Horrible experience.
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (KS)

Paypal informed me on XX/XX/21 that my account was permanently frozen due to alleged violations of TOS. In the email, it stated the current balance of {$1800.00} would be held for up to 180 days as insurance against any chargebacks, disputes filed, etc. None have been filed by any buyers. At day 170 of the 180 days ( XX/XX/21 ), the entire amount was removed from my account for " damages to Paypal '' without any notification to me. Customer service can not tell me anything about my account or offer anything but canned answers. I requested accounting of realized damages that totaled this amount but they have refused to furnish this to me. The best thing they could offer is that I hire an attorney to send a lawsuit or have a law enforcement subpoena sent to their legal department.
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MS)

I told them I have paid this debit off before I ever heard from Hunter Warfield.  XXXX took my money and I asked them to not contact my company again using robocalls. She told me that the calls will not stop and they will continue to call me as often as they like. I told her I would report them and before I finished my sentence so cut me off and laughing said go right ahead. I own a towing and recovery business and am fully trained in debit collections myself. I have studied and certified in these areas as directly relates to repossessions of assets. She said if I paid my debit after a certain date i still owe them. Which is completely illegal. If XXXX took my money the account was not charged off. Therefore another company can't collect the debit again.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I am currently being harassed by a third-party collection agency for Ace Check Cashing. I have a overdue XXXX My family and I are receiving multiple phone calls back to back throughout the day. I attempted to call them back once I got off work but I did not receive an answer. My family informed them that I can not talk on the phone while I am at work but they keep calling. In addition they gave the debt information to my family.
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Former Complaint XXXX - DITECH FINANCIAL LLC After several months, Ditech apparently corrected their inaccuracy of the above complaint ( XXXX ). I visited the company website on XXXX XXXX, XXXX to review the changes and adjustments after they acknowledge their mistakes, which triggered this ordeal. I found that the past due payments were cleared and the payment amount is up to date. 

Notwithstanding for my surprise, I realized that Ditech generosity was shallow because what they did, after admitting their mistakes, pass all fee charges and escrow errors to my principal amount, which increased from {$110000.00} on XXXX XXXX, XXXX to {$110000.00} on XXXX XXXX, XXXX. Meaning that they didnt solve the problem, they just passed the burden to my principal account, at my cost. 

These are their last sentences from their letter on XXXX XXXX, XXXX, which I uploaded : Your concerns regarding your loan account have been escalated to upper management. The payments made to the loan account will be reallocated and the escrow account will be corrected. Any late fees will be waived and any negative information that has reported to the Credit Bureau Reporting agencies will be updated. Not sure this action was fulfilled??? 

Please allow additional time for corrections to reflect on the loan account. 
I did and I found the above surprise!!! 

Ditech sincerely apologizes for any inconvenience this has caused. 
Is not an inconvenienced because they passed the fees and escrow issues to my principal account. Apologies based on my expense???????? Seriously?????? 

Best regards
Consumer complaint received 2021-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (NY)

I attempted to pay someone {$900.00} with my paypal account, but I had the wrong bank account linked to paypal. The funds in the account were not sufficient. 

Instead of declining the transfer, paypal paid the recipient, I was charged an overdraft fee and then paypal created a debt of {$900.00} on my account. 

My account was moved into the collections process. They attempted a debit again and I was charged another overdraft fee. I contacted paypal because it was not clear they actually paid my recipient. After confirming that was the case, I moved money into my linked account and started the transaction to pay paypal. 

While this transaction was pending, paypal continued to debit my account for {$900.00} ( in addition to my pending transaction ). This new sum was not in my account as the {$900.00} I initiated a transfer for was already removed but has not yet settled at paypal. Because of this, I have continued to accrue overdraft fees. Why would paypal run automated debits on an account that has a pending transaction? 

Also, I followed the instructions on both the paypal site and the instructions provided by customer service. They told me to add funds via the paypal UI. If this was the case, they should have suspended the automated debit process because I am being double debited while my transaction is pending. 

I would like to be refunded my overdraft fees because of these aggressive collection practices. They should not be debiting account that have pending transactions.
Consumer complaint received 2019-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

They call me SEVERAL times a week claiming that Navient and other companies are being sued, and I know it's a scam. I ask them every time to put me on a do not call list, and yet they continue to call.It 's always from a Washington DC phone number, and i block it every time, but they always change it up and get through. I'm so sick of it.