davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as Transunion , LLC, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Consumer complaint received 2015-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. (CT)

I get repeated calls ( more than 5 a day ) from a company that shows up on my Caller I.D . as " NCO Financial Systems ''. Mind you, I signed up with " XXXX '' which intercepts robocalls. NCO Financial Systems ' calls are robocalls, because the phone only rings once, then stops ( this is how you know it 's a robocall ). But these calls from NCO happen all day, several times a day, and it is annoying. The calls start at XXXX XXXX, even on Sundays! I am tired of these calls ; when I try to put them on my " call block '' list, they just call from another number. The latest number they have called from is:XXXX. I just want these calls to stop!!
Consumer complaint received 2015-07-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc ()

I sell XXXX online for payment with paypal. I follow strict customerId and XXXX procedures. I had a customer buying large amounts of XXXX from XXXX through XXXX 2015. 
We collected multiple selfie with id pictures. This customer claimed on XXXX XXXX that her identity was stolen. She made a claim to paypal that her identity was stolen and after looking at all the customer identification, and her ip address, and useragent all matched her pc and iphone, PayPal determined there was near XXXX probability that her identity had been stolen. PayPal initialy refused the claim of unauthorized transactions. 

After a week though, paypal now claims that her bank did reversalson all {$1800.00} that she spent. PayPal want me to pay this. 

I have asked PayPal for futher information to assist with filing a police report but paypal wo n't provide any. I do n't think I should have to pay paypalback if they wo n't provide further information for me to provide to law enforcement agencies. 

Paypal says that I 'm not protected because XXXX is not physical goods, but it is also not the same as music, videos, or software. If the product is stolen, I amout nearly 100 % of the cost unlike music, videos, or software that are only copies. 

Also every single sale was sold using XXXX which DOES PROVIDE TRACKING and proof that the customer recieved the merchandise. Yes, the seller should be liable under some circumstances, but I feel given the massive evidence of fraud on the customer 's part here that paypal should do something more.
Consumer complaint received 2015-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rent Recover, LLC (IL)

I resided at XXXX XXXX Apartments from about XXXX in which I paid rent. In XXXX I lost my job. I was in direct contact with the Property Manager XXXX XXXX, who told me if I left within a certain time frame that I would not owe anything. Now, XXXX years later I am being asked to pay back {$8400.00} which I never owed even when I lived there, and even if I broke my lease the amount would not be that high still! I was never contacted until a few months ago from a place called Rent Recover LLC. I do not owe this money. I did not owe that much money when I left. When I called the office at XXXX point to inquire if this would affect me getting another apartment they said I only owed about {$1000.00}. I filed with the XXXX, but they would not respond.
Consumer complaint received 2016-01-06
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: STUDENT ASSISTANCE FOUNDATION (CA)

Unfair tactics used by student loan collection agencies creating confusion for repayment of student loans. 
After completing my masters program in XXXX, I began making payments to a " XXXX XXXX XXXX At some point in XXXX ( or later, it 's very unclear ) another collections agency SAF-XXXX was also trying to collect on the same student loan. Although SAF-XXXX said they tried to contact me via mail it would have been difficult to contact me due to the fact that my working location has been in XXXX from XXXX XXXX until XXXX XXXX. Also, I was already making student loan payments to " XXXX XXXX '', so there was no way to know or expect a change in who my student loan payment should be made to or that I needed to make payments to XXXX different agencies. It was a complete surprise to me when I went to consolidate the loan with XXXX in early XXXX and after reviewing my credit report, I found XXXX XXXX XXXX XXXX separate negative entries from SAFXXXX. After making a few calls to SAFXXXX to investigate why there were XXXX separate negative entries on my credit report, I found out some, all or whatever part of my student loan ( s ) was transfered to SAFXXXX for whatever reason, it was really unclear. Furthermore, I did not understand why there are XXXX separate entries on my credit reports for the student loan when I am only making one ( 1 ) payment to XXXX company. I only found out about the negative reporting after making a call directly to SAF-XXXX offices in XXXX to investigate as to why SAF-XXXX was reporting negative credit information on my credit reports. Again at that point in time and after talking to the SAF SAFXXXX representative I found that SAFXXXX did not have my correct phone number. I also asked why an email was not sent to my long standing XXXX XXXX account and I was told you do not use email as a means of communication. Because of the above mention items, there was no way for me to know that the loan transfered to another collection agency. 
It is very confusing to the payee/student when you are making payments to XXXX collection agency and for some reason there is a change to or request from another company to also pay them. Also I do not know why I would have several negative credit entries on my credit reports when I am paying XXXX loan payment.
Consumer complaint received 2015-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

The information on my credit file related to medical bills were a part of my bankruptcy and have just now shown up on my credit bureau report. These were all part of my XXXX and were included in bankruptcy that has been discharged. Should I contact my bankruptcy attorney to contact these debt collectors? Thank you
Consumer complaint received 2016-01-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NJ)

Retrieval Masters has contacted me repeatedly over the past 6 months attempting to collect a debt they say I owe. Each time they have sent me a letter or called me I have asked them to provide evidence and proof the debt is mine. They have responded three different times they will do so, however they have not provided evidence even once. I believe this company is a fraud and scammers and the debt does not exist as they have not been able to provide one single piece of evidence showing the debt is actually real and legitimate. I would like this company to immediately stop contacting me as they are trying to steal money as this debt is not valid. There should be a governing body that fines harassing and illegitimate companies such as Retrieval Masters. If my credit is effected by this scam company I should receive restitution ( I will seek legal council in this matter ) and they should be barred from contacting any consumer. Their practices should be heavily reviewed because they are in fact breaking the law by ignoring my right to have them provide evidence before contacting me again and refusing that request and have become more harassing.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

My wife has a XXXX XXXX XXXX sky miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

Equifax refuses to provide me proof of how they completed an investigation that I submitted with regards to fraud. I have sent Equifax a certified letter requesting the specifics of how they investigated an account showing on my credit report with XXXX XXXX XXXX XXXX. This investigation was improperly done and it was not properly investigated an a fraudulent account. Since this investigation was improperly done I demanded by certified mail with return receipt requested proof of how they completed this identity theft investigation. Equifax is required by the FCRA to do a reasonable investigation with regards to fraud reports. Equifax has violated the FCRA and not done a reasonable fraud investigation. This account was reported as fraud yet Equifax only verified the name and address on the account, and that is not a proper investigation. I was told by a representative at Equifax that they only submitted the information through XXXX. I gave them the name and number of someone at XXXX XXXX XXXX to contact with regards to this account and they refused to contact this person. Equifax has refused to comply with my certified demand requesting that they provide proof of their proper investigation.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

Unable to get my credit report the message was like this " Our records indicate that you received your annual free Equifax , XXXX and XXXX credit report on XXXX/XXXX/2015 ''. 
" A condition exists that prevents Equifax , XXXX and XXXX from being able to accepts your request a this time ''
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This debt is not a federally backed/guaranteed loan. It is being reported to the credit bureaus beyond 7 years. Also it is beyond NY statute of limitations ( 6 years ) to collect a debt. I Have never made a single payment to this debt in its history. 

( A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more thanseven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with equifax and XXXX ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at equifax about XXXX, XXXX around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XX/XX/XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? XXXX % of the time I pay my bills on time, that XXXX % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX that means I owe XXXX % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

After making a deposit like i have always done ; at the ATM machine ; the bank Wellsfargo ; without my knowledge removed my deposit on XXXX XXXX, 2015 from my account and held onto the deposit which was XXXX checks ; for over 16 days and then after receiving the checks they wont take checks for deposit they only want cash ; and still they refused to deposit and they cause over draft fee 's for profit ; still refusing to let me deposit any checks ; there was no hold status or anything wrong with the deposit ; i receive my notifications normally electronically online they failed to do that - period. When they i went into the bank they lied about sending notification i never received one. they lied about the XXXX checks turning them into these yellow copies stating " Original " XXXX and now no one will have anything to do with these checks. The checks are good I verified this, Wells Fargo did process this by turning them into yellow ; lied about the where-abouts of checks i deposited them on XX/XX/2015 at XXXX XXXX. when i received checks after 16 days i see a stamp dated for XXXX XXXX, 2015 and in yellow. so i want to know where the checks were from XXXX XXXX, 2015 until 16 days later, XXXX phone calls and in person. If the deposits were done properly i would not of had XXXX overdraft fee - period now i have XXXX approximately debt they created for profit when wellsfargo refused to do their job or do customer service as a financial institute called a bank ; they went to extreme measures in order to do this fraud and other crimes against myself, my family, my life. This is on a personal account, i signed the checks as required prior to the deposit look at checks. Now I am stuck with checks and wells fargo has not done what the contract agreement signed by both myself and wellsfargo intentionally lying in writing document i have attached., twisting banking rules and taking out of context ; as written by them their policy 's doing business as a bank. I am seeking an attorney if needed when i should be able to reason with wellsfargo due to what they have fraudulently done in regards to my account ; creating overdraft fees for no reason.then stealing monies that Wells Fargo had no authority to act on or profit from - period. My family has and is suffering if you can imagine and more.
Consumer complaint received 2015-12-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Atlantic Recovery Solutions LLC (FL)

A gentleman named XXXX XXXX continues to call my place of employment along with my husbands place of employment after being asked repeatedly not to. I work at a hospital and he tells the operator where he is calling from and that is a personal matter. I have to be paged and it is keeping me from doing my job
Consumer complaint received 2016-03-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BOEING EMPLOYEES CREDIT UNION (OH)

Loan amount was for {$7400.00}. Due date was XX/XX/XXXX. Payment was received on XX/XX/XXXX for {$7400.00}. They are now trying to collect {$73.00}. They are calling the lendee 's work. The company is Boeing Employee 's Credit Union. They were chosen for this car loan by XXXX of XXXX in XXXX Washington
Consumer complaint received 2015-09-15
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX, 2015 I made a purchase on XXXX. I went through paypal to make the payment with my credit card on file. On XXXX XXXX, 2015 I received a notice that paypal had ran a credit check on me which I did not request or authorize. On XXXX XXXX I received an email from Paypal Credit saying that they had approved a credit line for me for {$1200.00} Again, I never knowingly applied for a credit line. Why would apply for a credit line for a {$38.00} purchase that I could use my credit card for? I called paypal through XXXX to report fraud today, XXXX XXXX and paypal told me it was for my purchase on toyrus.com and they would immediately close my account. They claimed that I would 've had to go through the process of filling out an application for an account which I never did. I still have to go through the process of paying the balance because they would not take credit card payment, they would only take a bank account payment so I have to wait for them to send me a paper statement.
Consumer complaint received 2015-12-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: TFS FINANCIAL CORPORATION (IL)

My daughter an I applied for a mortgage with Third Federal Bank. We hold joint title to the property which she occupies as her primary residence. Third Federal was duly aware of the occupancy situation and that I did not reside at the residence. After subjecting us to the application process and collection of documents, they declined the mortgage based on the reasoning that I would not be residing at the residence ; clearly a fact that was made apparent when we first talked to them
Consumer complaint received 2016-02-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I settled the debt and needed the balance to be XXXX on my credit report so I can gain security clearance for my employment. I paid the as debt off on XXXX/XXXX/2016 and received a letter outlining the settlement. My employer pulled my credit on XXXX/XXXX/2016 and I now show a balance past due of {$82.00}. This is the difference of the settlement and the original amount. Portfolio Recovery mislead me, provided false information to the credit agency and used deceptive practices to collect more money. In the screen shot of my credit report for this account dated XXXX/XXXX/2016, Portfolio Recovery undated my credit report with the balance and shows XX/XX/2016 as the date for the update after I made the agreed upon payment.
Consumer complaint received 2015-07-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MO)

I made a payment of $ XXXX over the phone for my XXXX payment. However as of XXXX XXXX, the payment has not been posted. Chrysler Capital claims that the payment was made on XXXX XXXX and because of the holiday, the payment is delayed in posting. I am now 31 days late and now do for XXXX. I have reason to believe that because I called and was upset, Chrysler Capital is being vindictive and delaying payment processing. I believe that this is a form of harassment, that is a violation of the FDCPA. The payment has cleared my bank, and Chrysler Capital admits that the payment is there. They just refuse to post it.
Consumer complaint received 2016-01-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ERC (OH)

I was paying on a collections that was on my credit report from an old bill from XXXX. ENHANCRCVRCO had took over the debt once it went into collections. Well I had set up a payment plan with them and I was to make my final payment on XXXX XXXX, 2015 which I was told that by rep XXXX when I had first called into set up a payment schedule. Well before that day came I had called again because I had checked my credit report again and seen it said I owed the company XXXX dollars instead of the XXXX I was suppose to make as my last payment. So, I went ahead and called them to see why it said I owed XXXX dollars as my last payment instead of the XXXX that was originally stated. I was told by a rep who refused to repeat his name or give me his rep number that I owed it and I had to pay it and that was that. I went ahead and paid it because I 'm working on building my credit back up and did n't wan na it ruined by the XXXX dollars he claimed I owed due to bad payment history. My point of this is I was ripped off by this company I know for fact that I only owed XXXX and they jacked the payment up to get extra money out of me.